Podcasts about Income

Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks.  Also today - as college costs level off due to a competitive marketplace, more institutions are finding creative ways to attract students – including offering tuition-free degrees. Clark shares resources to help you find these opportunities! Clark Stinks: Segments 1 & 2 Free Tuition: Segment 3 Ask Clark: Segment 4 Mentioned on the show: 4 Common Scams on Cash App, Venmo and Zelle (and How To Avoid Them) Rent vs Buy Calculator - Clark Howard Fidelity Rewards Visa vs. Schwab Investor Card® from American Express: Which Is Best? Best Cash Management Account: Comparing Vanguard, Fidelity, and Schwab How to get out of a cable or internet contract without paying a penalty Subscription Services: Why Canceling Is So Hard (and a Solution) Where Should I Set Up My Health Savings Account (HSA)? ETFs vs Mutual Funds: What's the Difference and When Does It Matter? Optimizing HSA Transfers for Long-Term Growth [W Post] More colleges are offering free tuition. Explore our database. Colleges Offering Free Tuition by Income (2026) Which Colleges Offer Free Tuition? Full List Of Schools Where To Take Free Online Courses - Clark Howard Best 529 College Savings Plans By State⁠ When You Should (and Shouldn't) Use a 529 Plan Clark.com resources: Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices. Visit megaphone.fm/adchoices

Renue Healthcare https://Renue.Healthcare/ToddYour journey to a better life starts at Renue Healthcare. Visit https://Renue.Healthcare/Todd Bulwark Capital https://KnowYourRiskPodcast.comBe confident in your portfolio with Bulwark! Schedule your free Know Your Risk Portfolio review. Go to KnowYourRiskPodcast.com today. Bonefrog https://BonefrogCoffee.com/ToddGet the new limited release, The Sisterhood, created to honor the extraordinary women behind the heroes. Use code TODD at checkout to receive 10% off your first purchase and 15% on subscriptions.LISTEN and SUBSCRIBE at:The Todd Herman Show - Podcast - Apple PodcastsThe Todd Herman Show | Podcast on SpotifyWATCH and SUBSCRIBE at: Todd Herman - The Todd Herman Show - YouTubeFrom Iran to to Washington State causing rich people to flee, Zach Abraham joins to help us make sense of it all.Episode links:BREAKING: Washington State passes their first ever income tax. Incomes over $1M/year will be taxed at 9.9%. Married couples share A SINGLE $1M exemption, so if combined incomes are more than $1M, you're getting taxed. This will obviously eventually extend beyond millionaires. What comes for others, will eventually come for you! RIP Washington state!JUST IN: Eric Trump and Donald Trump Jr. invested $25 million in a drone company called Powerus. The Pentagon is now at war with Iran. The Pentagon needs drones. Powerus sells drones to the Pentagon.What Does God's Word Say?Proverbs 21:2020 The wise store up choice food and olive oil,but fools gulp theirs down.Matthew 6:24“No one can serve two masters. Either you will hate the one and love the other, or you will be devoted to the one and despise the other. You cannot serve both God and money.

In this week's Biz Besties, we're talking about money mindset and what it really takes to expand your financial reality as a female entrepreneur.This episode is EXTRA special because we share a spur-of-the-moment, unfiltered live coaching conversation where we uncover hidden limits around money and security - all in real time.You'll hear how easy it is to:Stay at “good enough” instead of going biggerHide behind logic instead of visionCap your income without realizing itAnd you'll also hear what happens when someone challenges that ceiling on the spot.This is why live coaching can be such a great facilitator of progress. You can read the books and repeat the affirmations, but nothing replaces having your blind spots reflected back to you in the moment.If you know you're meant for more income and more expansion in your life and business, this episode will challenge the way you think (in the best way possible)!Sign up for cashFLOW LIVE: https://www.myalignedpurpose.com/cash-flow-mastermindTake our FREE quiz: https://www.myalignedpurpose.com/quizMy Aligned Purpose Podcast is your go-to space for women entrepreneurs ready to dream bigger, build million-dollar brands, and grow thriving businesses. For over 5.5 years, we've been guiding women around the world in combining strategy with soul—blending sales, marketing, manifestation, mindset, and community to create unstoppable growth.Each week, you'll leave feeling inspired, supported, and motivated to step into the next level of your vision. Whether you're just starting out or scaling into seven figures, this podcast is here to remind you that you're not alone—and that with the right mix of strategy and alignment, anything is possible.It's time to tap into community, embrace abundance, and grow your business on purpose.Follow along at:https://www.instagram.com/myalignedpurpose/https://www.myalignedpurpose.com/https://www.youtube.com/@MyAlignedPurposehttps://www.facebook.com/myalignedpurposeMentioned in this episode:Elate AdVisit elatebeauty.com to explore the collection and discover beauty with less waste and more joy. Use the code ALIGNED for 15% off your first purchase.

There were 2 things I did in my 20s that saved me. I figured out how to make a decent living and how to learn. Then I burned it all to the ground in one day. See what I did in this clip. #bethatguy #podcast #podcastclips

Want to Start or Grow a Successful Business? Schedule a FREE 13-Point Assessment with Clay Clark Today At: www.ThrivetimeShow.com   Join Clay Clark's Thrivetime Show Business Workshop!!! Learn Branding, Marketing, SEO, Sales, Workflow Design, Accounting & More. **Request Tickets & See Testimonials At: www.ThrivetimeShow.com  **Request Tickets Via Text At (918) 851-0102   See the Thousands of Success Stories and Millionaires That Clay Clark Has Helped to Produce HERE: https://www.thrivetimeshow.com/testimonials/ Download A Millionaire's Guide to Become Sustainably Rich: A Step-by-Step Guide to Become a Successful Money-Generating and Time-Freedom Creating Business HERE: www.ThrivetimeShow.com/Millionaire   See Thousands of Case Studies Today HERE: www.thrivetimeshow.com/does-it-work/  

308 / Serial fiction expert, Kimboo York, joins us to discuss building long-term reader relationships, letting go of perfectionism and fan fiction, including insights on transitioning fan fiction to original works. We also talk about balancing productivity with kindness and allowing room for mistakes to set yourself up to have a resilient author career. ✨ This week's sponsor is: Reedsy https://reedsy.com/studio and https://reedsy.com/studio/templatesSerial fiction business modelsTransitioning from fanfiction to original fictionProductivity and project management adviceCommunity and discoverability on SubstackMonetization methods for serialsLegal concerns with fanfiction writing

Send a textFear of clawbacks should never dictate advice. We take a clear, practical look at how protection commission choices indemnity, non‑indemnity (drip), and blended models shape cash flow, client outcomes, and the long‑term value of a self‑employed mortgage business. With plain‑English examples and simple rules you can apply today, we unpack what really changes when you shift from lump‑sum advances to steady monthly income.We start by demystifying indemnity: how two and four‑year periods work, why higher advances mean longer exposure, and how clawback can distort behavior if you are chasing short term spikes. Then we turn to non‑indemnity and show why drip income can smooth revenue, reduce stress, and often match or beat total indemnity over time. You will hear how recurring commissions fund admin support, marketing, and rent, and why a dependable base elevates your firm's valuation when you plan an exit.From there, we map out blended strategies that keep cash coming in while building stability. Set a simple premium threshold, split by product type, or decide case by case life cover on indemnity, income protection on drip so you are balancing immediacy with durability. We cover the operational moves that make it work: checking provider terms, planning for the transition dip, using your CRM to drive reviews, placing policies in trust, and protecting persistency to safeguard both clients and revenue.The heart of the episode is a mindset shift from transaction to stewardship. When you align commission structure with Consumer Duty and long‑term client care, you create better advice, better retention, and a calmer business you can scale. If this conversation resonates, take ten minutes after listening to review your commission mix and set one simple rule you will apply on your next protection case.Enjoyed the conversation? Subscribe, leave a review, and share this with a broker who needs a smarter approach to protection income.I help employed mortgage brokers go self-employed with clarity, confidence and one-to-one mentoring. Find out how Pathways or Coaching works at craigskelton.co.uk The Broker Foundry – Where Mortgage Brokers Become Business Owners Subscribe on YouTube: https://www.youtube.com/@TheBrokerFoundry #mortgagebroker #mortgagebrokers #mortgagebrokeruk #mortgagebrokercoaching #coaching #mortgagebrokerage #mortgagebrokerbusiness #mortgagebrokermarketing #mortgagebrokertips #mortgageadvisor #mortgageadviser #mortgagecoach ...

I recently had a long conversation with a very successful professional. He's 58 years old. Highly educated. Respected in his field. Financially sophisticated — in fact, his job depends on understanding money. If you looked at his résumé, you would assume he was completely set for life. He wasn't. A couple of bad investments. Some concentration risk. A few decisions that looked reasonable at the time. And suddenly he's essentially back at ground zero — trying to start a new business at 58. This story is far more common than people realize. The Dangerous Assumption is that many successful professionals assume they'll be fine. Doctors. Lawyers. Executives. Entrepreneurs. They make high incomes. They understand finance. They know about markets and interest rates and diversification. They focus on their career. They focus on income. They even focus on investing. What they don't focus on is their own financial future with the same intensity they focus on their profession. There's a difference. Being financially literate is not the same thing as being financially intentional. Especially when you assume you always have more time. The Good News at 58 is that he still has time. A lot of time. For entrepreneurs especially, it doesn't take 25 years to rebuild. It can take five. There's a quote often attributed to Bill Gates: “Most people overestimate what they can accomplish in one year and underestimate what they can accomplish in five.” That quote is brutally accurate. In one year, starting a business feels overwhelming. Progress feels slow. Revenue is inconsistent. Doubt creeps in. But five years? Five years of focused effort, smart strategy, capital discipline, and experience compounded? That can change your entire financial trajectory. I've Seen This Movie Before. I have a very good friend who was worth over $40 million in his early 30s during the real estate boom. Then 2008 happened. The real estate debacle didn't just dent him — it wiped him out. For years, he struggled. Pride gone. Lifestyle reset. Just trying to survive. Most people would have mentally retired at that point. They would have blamed the market, blamed the system, blamed bad luck. But about six or seven years ago, he found his rhythm again. New strategy. New focus. New discipline. Today, he's worth over $60 million. I get that's not normal. But it proves something important. It Doesn't Take a Lifetime. The examples I just gave are extreme. Most people don't lose $40 million. Most people aren't rebuilding at 58. But the principle is universal: It doesn't take a lifetime to secure your future. It takes a focused season. A defined period where you are intensely clear about your objective. A stretch where: • You work harder than you're comfortable with • You manage risk better than you used to • You stop assuming income equals security • You align your decisions with a specific financial target for the future There's another quote I love: “The harder you work, the luckier you get.” Luck isn't random. It compounds around preparation, visibility, and persistence. When you are laser-focused on a financial goal, you start seeing opportunities others miss. You make better introductions. You ask sharper questions. You move faster when something makes sense. And over time, it looks like “luck.” The story of the 58-year-old professional isn't a warning about markets. It's a warning about complacency. Success in your profession does not automatically translate into security in your future. Income is not wealth. Financial literacy is not financial strategy. And intelligence does not eliminate risk. But here's the good news. If you're in your 40s or 50s and feel behind — you're not done. If you made a bad investment — you're not finished. If you took a hit — that's not your final chapter. You may just be at the beginning of your five-year season. The key is focus. Direct yourself to a destination you can visualize. That's the only way you will get there. Because in the end, securing your future rarely requires a lifetime of perfection. It requires a concentrated period of intensity. And the sooner you decide to enter that season — the sooner your next five years will start compounding in your favor. There is no one who knows this reality more than this week's guest on Wealth Formula, Rod Khleif . Watch on YouTube: https://www.youtube.com/watch?v=qogQNGbK9wk Listen on Apple Podcasts: https://podcasts.apple.com/gb/podcast/549-youre-successful-until-youre-not-with-rod-khleif/id718416620?i=1000753860685 Listen on Spotify: https://open.spotify.com/episode/7mTzyRJxjnkeiVFGCXfOni Transcript Disclaimer: This transcript was generated by AI and may not be 100% accurate. If you notice any errors or corrections, please email us at phil@wealthformula.com.  welcome everybody. This is Buck Joffrey with Dwell Formula Podcast. Coming to you from Montecito, California, I wanna remind you that there is a website associated with this podcast called wealthformula.com. That’s where you go if you wanna. Become, uh, more, uh, involved with this community, including our accredited investor club, AKA investor club, uh, very easy to join. It’s free. All you do is you get onboarded and you see lots of, uh, potential deal flow that you wouldn’t otherwise see again, that is wealthformula.com. Simply click on investor club and get onboarded. Now, as for today’s show, I had a, uh, a long conversation with a very successful professional, recently 58, highly educated, respected, financially sophisticated, in fact, in the money business. Uh, and if you look at his resume, you would assume he was completely set for life, but he wasn’t. A couple of bad investments, some concentration risk. A few decisions that looked reasonable at the time, and suddenly he’s back pretty much to ground zero trying to figure out what to do, and he’s thinking about starting a new business or maybe buying a business. Well, that got me thinking because the reality is this story is far more common than people realize, and I actually hear it fair amount. Right? Many successful professionals assume they’re gonna be fine. Doctors, lawyers, executives, entrepreneurs, making high incomes. Maybe they understand finance, they know about markets, interest rates and diversification in theory. But here’s the trap. You focus on your career. You focus on income. What they don’t focus on is their own financial future with the same intensity. They focus on the profession, and that’s. The difference, right? The issue is that being financially literate is not the same thing as being financially intentional. Now, I actually hate that word because it’s a very, uh, uh, neo agey word intentional. But in this case, I will use it because that it’s very, it’s very appropriate. But here’s the good news, even at 58, right, you still have time. You have a lot of time for, especially for entrepreneurs, it doesn’t take 25 years to rebuild. It can take five. And there’s this quote, um, it’s often attributed to Bill Gates, who, who’s been in the news lately for a lot of other stuff, but this is a good quote. He says, most people overestimate what they can accomplish in one year and underestimate what they can accomplish in five. And that quote is so true. I will, it’s incredibly powerful and it’s very, very useful to think about and. Put in the back of your mind because in a year, like you’re saying, you’re starting a business, it’s gonna feel overwhelming. You may lose money, you know, slow progress, revenue, inconsistent five years, you know, with focused effort and you know, good strategy and discipline. The financial trajectory of your life could completely change over that five years. In fact, I will say that with my first business that I ever started, that is absolutely what happened. I was just pretty much outta residency, didn’t have any money, and within five years I was rocking and rolling. You know, it was a, it was, you know, it wasn’t worth, you know, hundreds of millions of dollars. But I, I, I was, I was doing way better. If you look over five years, it’s an incredible trajectory. And it’s not just me. I mean, there’s guys who’ve done it more extreme ways. I talk about this friend, a lot of times he was worth like 30 or $40 million in his early thirties, and then 2008 happened. It didn’t just kinda dent him, it wiped him out, and for years he struggled. Lifestyle kind of reset a little bit, just trying to survive. You know, there’s this saying in business that the key to su success in business is to stick around long enough until you get lucky again. Well, sometimes that’s true. And a lot of people might have, uh, kind of mentally retired at that point. But the reality is he stuck with it. He rebuilt about six or seven years. He was kind of sideways, then another six or seven years, new focus, new discipline, and today worth 60 million bucks. Now, that’s not normal, right? But it does provide, uh, it does, it does kind of provide an important point. It doesn’t take a lifetime always. Now most people don’t lose $40 million, and most people aren’t rebuilding necessarily from zero at 58, but the principle really is universal. It doesn’t take a lifetime to secure your future. It takes a focus season to find period where you’re intensely clear about your objective. It’s a stretch where you work harder than you’re comfortable with, and maybe it’s not fun to do that in your fifties or sixties. You manage risk better than you used to. You stop assuming income equals security. You align your decisions with a specific financial target. You know what, there’s a another line I love, another quote, and I don’t know where this one comes. I, I, I think it was some hockey coach of mine way back. It’s that the harder you work, the luckier you get. The thing is that luck isn’t random, right? It compounds. Around preparation and visibility and persistence. And when you’re laser focused on a financial goal, you’re gonna start seeing opportunities that are out there that others might miss. You’re gonna make, you know, better introductions, ask sharp questions. You move faster when something makes sense, and over time it starts to look like luck. I think the real lesson, um, about the situation that people get into, like this person I was talking about is. That it, it’s not a warning about markets per se, although markets have a lot to do with it. It’s a warning about complacency. You know, success in your profession does not automatically translate into security in your future. You know, income as you know, is not really wealth and financial literacy is not financial strategy. Although literacy is really, really important. You gotta have a strategy. And you can be really, really smart and not eliminate, you know, or mitigate risk enough. So if you’re in your forties or fifties and feel behind, you’re not done. Okay? You made a bad investment, you’re not finished. If you took a hit, I’ve taken plenty of heads, especially the last few years. It’s not your final chapter. You may just be looking at the beginning of your next five year season. And the key is focus clear goals, define targets, discipline, action. The sooner you decide to enter that season, the sooner your next five years will start compounding in your favor. Man, I gotta tell you, this is a, an ongoing story I hear a lot about, so again, think about that Bill Gates quote, you, you know, people tend to way overestimate what they can do in a year. Grossly underestimate what they could do in five. Anyway. There’s no one who knows this better than my guest on this week’s Wealth Formula podcast. Rod Cleef. Many of you already know him. We’ll have that conversation right after these messages. Wealth Formula banking is an ingenious concept powered by whole life insurance, but instead of acting just as a safety net, the strategy supercharges your investments. First, you create a personal financial reservoir that grows at a compounding interest rate much higher than any bank savings account as your money accumulates. You borrow from your own bank to invest in other cash flowing investments. Here’s the key. Even though you’ve borrowed money at a simple interest rate, your insurance company keeps paying you compound interest on that money even though you’ve borrowed it. At result, you make money in two places at the same time. That’s why your investment. Get supercharged. This isn’t a new technique. It’s a refined strategy used by some of the wealthiest families in history, and it uses century old rock solid insurance companies as its backbone. Turbocharge your investments. Visit wealthformulabanking.com. Again, that’s wealthformulabanking.com. Welcome back to the show everyone. Today my guest on Wealth Formula podcast is Rod Thief. He’s a real estate investor, author, and mentor with decades of experience in multifamily investing. Uh, he’s built and sold hundreds of millions, uh, in, in apartment assets and teaches thousands of investors through coaching masterclasses and his life. Uh, lifetime Cash Flow Academy. Uh, rod, how you doing? Good, brother. Good to see you, my friend. Let’s review, but you know a little bit about you, your background. Sure. You know, uh, sure. We have an interesting story. Okay, well I’m a Dutch immigrant, you know, think wooden shoes and windmills. I immigrated to this country, uh, when I was six years old with my brother Albert, my mother’s cia. Um, and we ended up in Denver, Colorado. Uh, struggled initially. Really struggled actually. And, and I remember, uh, wearing hand me down clothes all the way through junior high school until I finally lied about my age when I was 14 ’cause I was tall and said I was 15 so I could flip burgers at Burger King. You know, and I’m sure you’ve got listeners that had it harder than I did, but I knew I wanted more. And luckily my mom had an incredible work ethic and so she babysat kids so we’d have enough money to eat. And with her babysitting money, she was an entrepreneur and invested in real estate. Um, and her first real estate acquisition was the house right across the street from us. When I was 14, she paid about $30,000. And then when I was 17, she told me she’d made $20,000 in her sleep. It had gone up in value. And I’m like, what? Forget college. I’m getting into real estate. So I. Went and got my real estate broker’s license right when I turned 18, which you could do back then with education. Now they got, they got smart you, they need some, you need some experience. But, uh, I was a broker. I was smart enough to go work for a broker. But, um, you know, my first year in real estate I made about eight grand. My second year, maybe 10 grand, but my third year I made over a hundred thousand dollars, which back in 1980 was some pretty decent money. And so what happened between year two and year three? Uh, the 10 x my income was what? What happens? I met a, a guy, he was a broker. I was working for actually, it taught me about the importance of mindset and psychology and how really 80 to 90% of your success in anything is just that your mindset and psychology. So fast forward to today, I’ve, I’ve owned over 2000 houses that I’ve rented long term. I own thousands of apartments now, and I’m also buying senior housing now, which I’m excited about. And you know, in 2006, my net worth went up $17 million while I slept. And you might say, wow. I said, wow, I got a head so big I could barely fit it through a door. And I thought I was a real estate God. And you know, when that happens, God of the universe will give you a nice little SmackDown. Well, that was 2008. I conservatively lost $50 million in 2008 and nine. What I’m known for talking about on my podcast, which I’m blessed to say at this point’s, the largest, uh, commercial real estate podcast really in the world at this point is, and, and the reason being is I spend time talking about mindset. You know, people don’t remember what you said, but they remember how you make him feel. And I do little clips every week called Own Your Power, their motivational clips. And, and I think that’s the reason it’s been so well received. But, uh, you know, I’m known for talking about the. Mindset it took to have 50 million to lose in the first place. And you know, maybe more importantly, the mindset it took to recover from losing it. But, uh, you know, I’d love to, we can chat about that if you like, or I’d love to talk about the state. Yeah. Whatever you It’s a, it’s, I think it’s appropriate to talk about that right now, rod. I mean, I think Okay. You know, in this, in this market with what we had, you know, um, you know, there’s been a, there’s been a lot of pain in multifamily and Yeah. You know, it’s, you know, you and I have talked about this before where. Part of success is, is trying to recognize particular situations. Um, you know, you talk about Warren Buffet and how Warren Buffet says be greedy, when others are fearful and all that, that’s great, but it’s really hard to do. Right? And so help us understand like, sure. You know, uh, how, how do you, how do you do that? Sure. How did you go and how bad did it get? Well, I lost 50 million. I lost $50 million, so it got pretty freaking bad. Okay. I call ’em seminars. That was an expensive seminar. Yeah. Yeah. And very little, uh, so it was, it was ugly. It was ugly, but. It was, it’s, I, I’ll be, I’ll be candid. The strategies I’ll share very briefly here, the strategies, I’ll share the same strategies you would use to get started. Okay. You know, if, if you know you need to do something, and we talked about this, uh, uh, before we started recording, you know, the. With ai, a lot of jobs are going away. You know, if you heard of Elon Musk on, on Joe Rogan’s last epi episode, or the last interview he did with Joe Rogan, you know, he said any job in front of a computer is pretty much gonna be gone like lightning, like a year or two. I mean that fast. It’s crazy. And so, you know, and even, you know, surgeons are, are, are, are gonna be replaced by robotics and, and on and on and you know, and I think there’s gonna be it professionals, uh, you know, there’s gonna be a lot of. Pain for the people that don’t proactively, you know, reinvent themselves, start thinking about what they’re gonna do to reinvent themselves. Maybe it’s an ai, maybe you’ll learn ai, but, but you better think about it now or if you’re in one of these positions. So when the shoe drops, you’re ready because. Uh, there’s a lot of opportunity. I mean, there’s 10,000 people a day turning 65 in this country. You could buy businesses, um, you know, uh, I’m in, I’m, I’m excited about senior housing. They need beds, you know, and, and there’s a huge shortage of beds, but, so there’s a lot of opportunity, but you better pick something if you’re in one of these fields and get busy starting to study it and learn it, and do it on the side so that when the shoe drops, you’re ready. That’s, I don’t wanna scare you, but I just wanna open your eyes. To that fact. But so how, how I recovered from losing $50 million again, is the same strategy I would tell you to use to get started. And it’s first thing, it starts with goals. You gotta figure out what it is you want. ’cause how do you get anything if you don’t know what it is? Because with the goals you create a burning desire or a hunger and you’ve gotta have that to push through fear and limiting beliefs and so on and so forth. And, um. You know, I, I, that’s, if you come to one of my bootcamps, I do a virtual bootcamp every couple of months. It’s two days. I don’t sell anything there. And I’ll tell you later how you can come for 47 bucks. So it’s no excuse. But, but the first thing we do is goal setting on steroids, uh, because you’ve got, again, you’ve gotta create that hunger. Now, I’ll, I’ll say this to you, if you have no interest in, in, uh, learning what I teach. At my link tree, I did my goal setting workshop. It’s an hour. There’s a guide you can download if you go to rodslinks.com or text the word links if you’re driving, uh, to 7, 2, 3, 4, 5 at the bottom. My, is my goal setting workshop. And you know, here’s the thing, buck, people spend more time planning a freaking birthday party than they do designing their lives. Doing your goals is designing your life. So you know, if, if, uh, if you haven’t done ’em in a while, go to Rods, links, go at the bottom. There’s my workshop, there’s a guide. You can download ’em. Not gonna try to sell you anything. Spend an hour with me. Have your spouse do it. Have your kids do it if they’re over 10 years old, and design their lives. So again, it starts with goals. So that’s the first thing I did was reassociate with my goals. Then the second piece is you gotta make a decision. And I don’t mean dip your toe in the water. I don’t mean one foot in, one foot out. I mean, you decide it’s done. Okay. The Latin root for the word decision means to cut off. If you’re gonna attack the island, you burn your ships ’cause you’re taking their ships home. That’s a decision. And, and that’s what I did. I said, okay, enough, quit feeling sorry for yourself. Pick yourself up and go make something happen. And that’s, that’s what I did back then when I lost everything. But it’s the same thing again. If you’re, if you’re in a job and you’re. You’re just not where you want to be. So we make that decision and then you gotta take the first step, uh, you know, buck. And that’s, that’s pretty much it. You know, Dr. Martin Luther King said, you take that first step in faith, the next step will be revealed. And you know, LA Sue said the journey of a thousand miles begins with a single step. But, you know, in our business and, and, and the investors that we deal with and, and the, you know. Uh, active investors and, and, and passive both, as many of ’em are very analytical and you know who you are. If that’s you and I love you, you’re some of the most successful students that I have and successful people in our businesses. However, I also know how you have to check off every single box before you make a move, and you can’t do that here. Okay? You’ve got to, you’ve got to recognize that you’ve gotta have enough faith. To get started, you know, you can go all the way across the United States at night with your headlight only seeing 50 feet in front of you. And, you know, you can make it, you know, other people have done it before you, you know, there’s a, there’s a, there’s a, a road. And, uh, it’s the same way. You may have some obstacles, but, uh, it’s the same way with this business or really any business. But you, you, you’ve got to take that first step. And, you know, a, a lot of people fear failure, and I’m gonna tell you, don’t fear failure. Fear being in the same place you are right now, a year or two from now, unless you absolutely freak. Love where you are right now. Fear, fear, regret. That’s what I would fear if I were you. I, I, there was this nurse in Australia, a hospice nurse, uh, and her name was Bronny Ware. She asked patients when, who were about to die, if they had any regrets, and she wrote a book about it as a national bestseller. Something like The Five Regrets of Dying. You know what the number on regret was? It was Living the, not Living the Life I could have lived living someone else’s life, not doing what I know. I’m capable of fear that don’t fear failure, you know? Well, the next piece is fear and limiting beliefs. So fear, you know, every successful person have has fear. Now we, we, we, entrepreneurs call it stress, but it’s fear. And, you know, action mitigates fear. You wanna mitigate fear, take action. Go do something. If I’m, if I’m laying in bed at night, it’s three in the clock in the freaking morning and something stresses me out again, stress is fear. That’s what we achievers call stress. Uh, it’s fear. Uh, and, and, um. If something wakes me up and I’m stressed about it, I literally will get outta bed and just go write down some notes. I used to have a pen with an electrical pen that drove my ex-wife crazy and I’d, I’d write notes sometimes fill up pages of notes in bed so that I’m taking some action so I can go back to sleep. So there’s a, there’s a very simple example of it, but anytime that I am fearful about something, I take massive action towards it. Just, just taking steps, doing things. That will mitigate it. And it’s just how it works. So, I mean, it’s, it’s, it’s as simple as that buck. I mean, you just have to do some things. Towards that fear now. Now, the other thing is, if you don’t take action, the fear expands. So that’s the, uh, uh, that’s the antithesis there. So, so you, you need to take action because that’ll, that’ll mitigate it. The, the next piece really is limiting beliefs. You know, when I immigrated this country, I didn’t speak English. I got thrown into school, found out what bullies were for the first time. So I got my butt kicked occasionally, hadn’t learned how to fight back, and then my mom, this is the prop, sent me to school in these wooden shoes. And these are the actual wooden shoes. We found them. When we put her in senior house, senior living in, and these leather shorts, the Germans wear for October Fest, I had to wear that to school. And of course that was crack cocaine for the fricking bully. So I got my ass kicked again. And don’t wooden shoes, rod Or, or those, yeah. Yeah. Wooden shoes. Wooden shoes. Yeah. These are from Holland, man. That’s where I was born. Yeah. My mom. Proud Dutch woman. Yeah. This is, they’re wood. They’re real wood. The farmers still wear these things, uh, ’cause they’re good to go through mud, but they’re crack cocaine for bullies. Okay? And so, yeah, you know, uh, I, I, I got my butt kicked again and, and I came up with this belief system that I wasn’t good enough. I used to ask myself, how can I show them I’m good enough? And a lot of people have these limiting belief systems. I’m not good enough. I’m not courageous enough. I’m not strong enough. I’m not old enough. I’m not young enough. Here’s the thing to remember. There’s a reason the acronym for Belief Systems is BS because 99% of them are bs, but we believe they’re real. I mean, I used to be afraid to raise my hand in front of 10 kids in a classroom, and because of fear of rejection, now I speak in front of thousands of people a year, usually in flip-flops. Okay, so you know, you can mitigate this. So if you’re aware of one of these. Limiting beliefs, BS belief systems, drag it out into the daylight. Look at it with your adult rational mind. You’ll recognize that it’s BS and it will dissipate. But you gotta, you gotta think about it consciously and it’ll, it’ll go away. Um, the, the next piece is focus. Um, you know, focus really is power and whatever we focus on gets bigger, both positive or negative. Okay? So it’s very important that you focus on what you want, not what you don’t want. I’ll get, people call me and say, how do I get outta my student loan debt? I’m like, wrong question. How do you make so much money? The debt’s irrelevant, is the question you need to be asking. They asked Mother Theresa if she was anti-war. She said, no, I’m pro peace. I mean, you get it, right? And, and so, and in fact, I’ll give you another example. So I, I, my podcast is over, I believe, over 30 million downloads, which doesn’t sound like a lot in our social media world, but in, in the podcasting space, it’s not bad. But I listened to two podcasts, Joe Rogan and Tim Ferris. I try to get both sides of the aisle. I’m definitely on, on one side. Uh, but, but, um. They get, and the reason I bring that up is they get about 30 million a week, you know, but that big podcast. But, but, um, on, on Tim Ferriss’ show, he interviews the best of the best in the world. You know, the best athletes like Michael Phelps, NFL players and NFL players, NBA players, actors like Hugh Jackman, ed Norton, Jamie Fox, Arnold billionaires like Ray Dalio, heads of the biggest companies on the planet like Zuckerberg. And he deconstructs their success. It’s very intelligent conversation. I mean, I, I love listening to it. I started to hear a pattern, uh, they almost all meditate. What does meditation enhance? Focus, right? So focus is a really important piece of, of, of success. And just a couple more. One is playing, the next one is playing to your strengths. You know, when, when you, when you go to reinvent yourself or if you’re struggling, you know, or, or gonna start something. Play to your strengths and hire a align or partner for your weaknesses. Like in our world, you know, there’s lots of different hats you can wear. It’s a team sport. You could be the person that finds the deals and analyzes them. If you’re analytical, you could be the mouthpiece like me or you, and you’re, you know, raising money, talking to brokers and, and getting the word out. You could be the. You know, the um, asset manager, if you’ve got some project management experience, construction experience, there’s lots of different hats you can wear, but you wanna play to your strengths. Your strengths are your greatest assets. Don’t try to maximize your fears. You’re gonna get much further. Like I said, if you hire aligner partner for your weaknesses, you know, some of the most successful. Um, partnerships I see in the business are an analytical, introverted person with an extroverted, outgoing person. I mean, that’s a match made in heaven in our business. ’cause our business is primarily empirical. You ask the right questions, uh, and, and you get the numbers right. You know, it’s kind of hard to make a big mistake. Um, and so. You know, just make sure you’re playing to your strengths and when you’re playing to your strengths, you’re gonna have passion and passion’s required to influence people. Right? ’cause you love what you do, so you’re passionate about it. So again, real heavy duty argument to play to your strengths. Yeah, I think the last piece, the last piece is, is peer group. Um, you know, who you hang out with is who you become. You’ve heard it, you’ve heard it before. So if you’re gonna get into something, get around people that are doing it. Like my Warrior Coaching program, I’m, I’m gonna brag. I, I, like I said, they own 300,000 multifamily units that we know of. I’m, I, it’s, we’re counting, uh, we know it’s close to 300,000. We’re at like 275,000 or something. I know there’s a lot we’re missing. And, you know, tons of senior housing, tons of self storage, tons of industrial flex space, um, retail mixed use, you name it. Uh, mobile home parks, and. Almost all of those deals were done between warriors, between my students. So you know, ha, who you hang out with is who you become. You know, if you show me your three best friends, I’ll show you who you are in your relationships, your happiness, your health, and definitely your finances. But see, so many people default to a peer group they went to school with or they work with, and those people with their own fears or limiting beliefs might hold you back, you know, afraid of losing you, afraid of feeling less than if you succeed. And sometimes it’s family. I’m gonna tell you, love your family, but proactively choose your peers. Right? You know, and when I was losing everything in 2008 and oh nine, I was in Tony Robbins Platinum Partnership and there were people there that were killing it in that crash, uh, you know, thriving. And they’re like, get up, you puss. 50 million Schmill. Go make something happen. That’s who you wanna be around, not only while you’re building, but certainly when the proverbial stuff hits the fan, right? Uh, so anyway. I, that those are, those are some of the big pieces. Yeah. Well, that, I mean, that’s, let, let’s talk a little bit about the, the business that you’re in. Um, you know, you’re, you’re heavily involved with real estate. Obviously these, uh, mindset things are a great place to start. Now you go out there, let’s talk about where the market actually is and what you’re seeing in this market right now. Does your represent opportunity to you? There’s a ton of opportunity because there’s a ton of people in trouble, sadly. Right. Okay. A lot, a lot of people got adjustable bridge debt. You know, these rates have gone through the moon. I’ll give you a small example. We were looking at a small asset in San Antonio where I’ve got some assets and I. And there, the lender reserve payment that this guy had to pay to prepare for a refinance went from 8,000 a month to 80,000 a month. Do you think that’s painful? Right. And you know, and, and when you’ve got a multi tens of millions of dollar loan on a property and the interest rates adjust several points, you’re done. And, and so that’s just on the interest rate piece. Uh, mentioning my SEC attorney had six foreclosures in one day, apartment complexes, uh, clients, new clients that came to him, he told me like three weeks ago. So who knows how many since then. But you know, there’s a lot of deals and trouble and it’s sad. It’s very sad. But, uh, that’s just one piece is the loans. Uh, the expenses have gone through the thick and roof. I mean, I’ve got maintenance supervisor that’s making $40 an hour at this point, which is crazy. Uh, you know, I, I teach at my bootcamps. Uh, I used to teach a 50% expense ratio. That’s what you want to have. Now I teach 60% ’cause they’ve gone up that much. And so, you know, there’s a lot of pain in the market. But with crisis comes opportunity. There’s incredible deals. I’ve got a a, a 200 unit asset in San Antonio. Um. That is on a lake, and right next door is a 300 unit, 300 plus unit asset. Um, it’s sold the 300 units sold for 43 million in 21 or 22. It’s, it’s with the bank, it’s down to 28 million now. And I’m not even interested unless it gets to 24, unless the rates drop significantly. And so 43 to 24. So that’s what’s out there right now. And di I think you just bought a, a deal at like a 40% discount, didn’t you? Yeah. Yeah. Yeah. And here’s the thing, which is what I wanted to get into as well, and I I just bring, bring people’s attention to it, is that these times in history don’t happen that frequently. Right? Right. And it, and it’s interesting what the, the last multiple, uh, opportunities we’ve, we’ve, we’ve capitalized on, they have been all these situations where it’s a debt problem, right? It’s, it’s an asset that’s performing fine. But someone’s got a month, uh, to go and they just need to get out. They’re gonna lose all their equity, their debts due. Um, yeah, their debts do, there’s like this, this wall of debt, like, I think it’s like a trillion dollars of debt due by the end of this year. So what we’re seeing is, you know, the last several opportunities, 30 to 40% discounts on basis, uh, compared to just two or three years ago. And I think the challenges for investors is that like. In the background, those of us who’ve been through the pain are still feeling the pain and you feel very gun shy about it, right? Yeah. Yeah. Um, and you also start thinking, well, 30 to 40% discounts. Uh, you know, this, this is, this sounds very scary, but in, in reality, I, I’m trying to get people to understand that, that those discounts only last for so long, right? I mean, that if you look at like the, the debt. That’s out there. Most of that really bad debt washes away at the end of this year. At 2026. Yeah. After that, like those 30 to 40% discounts that like people are hearing so often, they’re not gonna be there anymore. No, that’s, and what I, and what I hate to see is people wait two or three years from now and all of a sudden there’s a frothy market and everybody’s jumping on the bwa. ’cause that’s what they always do. That’s not, you wanna be a net seller in that market. That’s right. And, and you know, it’s like you mentioned Warren Buffet’s famous quote, be greedy when others are fearful and fearful when they’re greedy. And, and so right now they’re fearful, which is making harder to raise money. And I’m, I’m having the same conversations. It’s like, Hey, if there was ever a time, it’s right now and now. Now the key, now the key. Differentiator or key factor is it’s all about cash flow. You know, like I said, that that deal at 43 is down to 28. 28 still doesn’t make sense for me. So it’s all about cash flow. And so, you know, I wrote a bestselling book. I’ll brag about, hang on, I’ll show it here. It’s called How to Create Lifetime Cash Flow through Multifamily Properties. The reason I bring this up is the subtitle is The New Rules of Real Estate Investing IE The new rules is it’s all about cash flow. I don’t, you know, I can brag about what you, you know, the discounts you can buy a property for, but it, it’s all about the numbers. It’s got a pencil, it, so cash flow is king. Um, so would you agree with that? Oh, a hundred percent. No. The interesting thing is though, that like, that’s a, that’s actually in real estate. That’s a principle I think a lot of people had, and I think what ends up happening is when the market gets frothy, you kind of skip that step, right? Because then what you’re, then what happens is that the market becomes so competitive that you’re trying to project, okay, I can get this from here to here and I can make it cash flow pretty quickly. And that’s when it gets dangerous, right? Yeah, yeah. Because listen, when Mark, when, when, when rates were, were as low as they were, you could do that. Now what? As soon as they started accelerating, well then you just got behind and, and you, you couldn’t catch up. And that’s kind of what happened. No, that’s it. And the expenses. Yeah. Yeah. They, the business about this market though, and maybe you can get some perspective on this, is what happens. You’ve experienced multiple real estate cycles and one of the opportunities that real estate investors have had throughout the decades is investing in a market where interest rates start to fall. What happens? Well, what happens is, is, is, is, is values As values go up, you know, and here’s the other thing, you know, uh, uh, with inflation, inflation’s not going away. And when you buy a property, the debt’s locked unless you do the adjustable rate thing. But if, if you get a normal, a normal mortgage. The, the rent, the debt is locked, but your, your interest, your rents are gonna continue to climb here. They’re going up, they’re gonna keep going up. And, you know, and, and of course the value of, of what we do is based on a multiple of the net income, the NOI, the net operating income. So any increase of the rents is gonna go to the bottom line. And, and so your values are gonna go up. So again, incredible opportunity to get into this real estate now. With the debasement of the US currency, with with, with all the money they’re printing and everything else, you’re, you’re seeing incredible rises in, in hard assets like gold, silver, of course, we saw a crash in Bitcoin ’cause it’s ethereal, it’s air, but, but real estate, uh, is, is you look at it over, over, you know, 50 years and, and it only goes one direction. It has some dips, but it continues to go one direction. And, and so, you know, I, I love real estate. I always have and. And, and always will. And so, you know, that’s why I teach it, you know, I do, I teach multi and I now teach multiple asset classes. I just taught multifamily for a long time, but now I teach pretty much every asset class and I’m, yeah. So what’s, uh, housing too? Yeah. Tell us a little bit about senior housing and um, yeah, what you’re doing there. I, I, I’ve only purchased one assisted living facility so far, but my students, my God, I can’t even count how many assisted living facilities and memory care units they have. But I, I’m, I’m gearing up. I have a whole team doing it. Uh, we’re cold calling and, and, and the, the, the out, the goal is. Is, uh, uh, 12 units in the next 18, I’m sorry, 12 separate facilities in the next 18 months. And we’re growing up to do that. Uh, we’ve got a ton of interest. And here’s the, here’s the reason why they call it the silver tsunami. There’s, there’s six, 10,000 people a day turning 65, and it goes forever. And it seems like forever. I mean like literally a over a decade and. And again, um, you know, those people. Uh, so there’s a lot of opportunity with that. There’s an opportunity to buy businesses as well. A lot of ’em wanna retire and own businesses, so there’s an opportunity there. But, but, um, in senior housing, there’s, there’s a huge shortage of beds. And, and I’m quite candidly, I’m not sure we’re gonna be able to match the need in the shortage of beds, but there’s a huge shortage of beds and, and so, um, you know, and to build new. The about the least you can build a place for is $200,000 a bed. Well, there are facilities that got crushed by COVID where you can buy. Facilities for sub a hundred dollars a bed. So there’s, there’s a, there’s an opportunity there that we’re capitalizing on. It’s very exciting. Uh, that won’t be around there a lot of, is there a lot of competition from, you know, big money institutions, that kind of thing in this space that are sort of pushing prices up? Because I would think if they would have to, yeah. Yeah. I would think they would have the same sort of thesis overall. So the larger facilities, yes. The, you know, I, I’m not doing the, the 200 bed facilities, you know, I’m in the 50 to a hundred range, you know, uh, kind of the mom and pop range as it were. Uh, and. So, at least to start, I mean, at some point I’ll compete with the larger ones, but we’re starting there and, and there’s just an incredible opportunity to, to get to, and the returns are fantastic. I mean, we’re seeing 15% cash on cash, 25% IRR, realistically not BS returns. And so, you know, it’s very exciting, honestly. And, and, and, and, and again, it’s got legs. It’s not going anywhere. It’s not like one of these things that’s cyclical. There’s, there’s the, these people are retiring. They’ve impacted everything from Pampers diapers to suburbia, and they’re gonna impact, you know, senior housing in a big way. So, um, you know, it’s, it’s that, that’s exciting. Yeah. I got crushed by that wave in 2008. I got crushed by that wave. I’m surfing this wave. Yeah, yeah. Yeah. Good for you. So tell us, you know, a little bit more about how people can get involved. It sounds like you got a lot going on there. So tell us about Well, I, I, I teach, you know, I teach this stuff. I have, I’ve had, I dunno, upwards of 20,000 people attend my bootcamps by the way. Really never had a complaint except that the breaks are too short. ’cause I, I packed three days into two days, but I teach this business and soup to nuts, how to find deals, how to pick a market, how to pick a team, how to underwrite them, how to finance them, how to raise all the money for them, on and on. And so if you go to Rods. links.com. That’s my link tree. That’s where my goal setting workshop is. If you want to do your goals, do it there. But, uh, if you come to my bootcamp, that’s the first thing we do. Uh, ’cause I, I need to have you get very focused on what you want. But, um, you know, it’s two days of training. I don’t sell anything and you can come for $47. So tell me your excuse. Okay? And the bonus, the bonuses are thousands of dollars. You get my deal evaluator software, my document library. You get all this stuff. And you know, and candidly, if you come to the bootcamp and. On Monday, you decide it wasn’t worth it, you didn’t love it. I don’t mean like it, I mean, love it. I’ll give you your 47 bucks back. It’s never happened, but it’s first time for everything. So, yeah, no, I, I, I love what I do. It comes out and what I do, and I, I spend time on mindset too, because again, that’s 80 to 90% of it. That’s why my students are so freaking successful. They actually do it. Um, and so. I, I, I really love it, and that’s where I’ll continue to do it. So I’m, I’m doing one of these virtual events pretty much every month and a half. I’ve got one coming up, I don’t know when this’ll air. I’ve got one coming up in March, March 7th and eighth, and there’ll be one, you know, 60, 45, 60 days after that. So, yeah. Fantastic. Rod, thanks so much for being on the show today. Oh, I appreciate it. I appreciate it. Uh, thank you. And, and again, it’s Rod’s links or text links to 7 2 3 4 5. Matt, thanks. Thanks for having me on. Buck, it’s great to see you again. You make a lot of money, but are still worried about retirement. Maybe you didn’t start earning until your thirties, now you’re trying to catch up. Meanwhile, you’ve got a mortgage private school to pay for and you feel like you’re getting further and further behind. Now, good news, if you need to catch up on retirement, check out a program put off by some of the oldest and most prestigious life insurance companies in the world. It’s. Called Wealth Accelerator and it can help you amplify your returns quickly, protect your money from creditors, and provide financial protection to your family if something happens to you. The concepts here are used by some of the wealthiest families in the world, and there’s no reason why they can’t be used by you. Check it out for yourself by going to wealthformulabanking.com. Welcome back to the show everyone. Hope you enjoyed it. We talked about a lot of things, but I think the mindset step is really important. So if you’re one of those people. Who is worried about, you know, a time in your life right now, or that that things aren’t going well? Things can turn around really quickly. You just gotta have some, you know, you gotta have the right mindset. You gotta have the right goals. That’s it for me this week on Wealth Formula Podcast. This is Buck Joffrey sign now. If you wanna learn more, you can now get free access to our in-depth personal finance course featuring industry leaders like Tom Wheel Wright and Ken McElroy. Visit wealthformularoadmap.com.

I get a lot of questions about my journal that I created called The Mullet Journal, i.e. business in the front and party in the back. Journaling is a requisite task for anyone committed to success. Listen in and see how I do it. If you want more info on my journal, hit me up at drdave@redteamgoals.com.   --- Click here to change your life- http://eepurl.com/gy5T3T   Hit me up for a one-on-one brainstorming session- https://militaryimagesproject.com/products/brainstorming-session-1-hour    Check out my Linktree for different ways to rock your world! https://linktr.ee/ruggeddad    Check out the sweet Hyper X mic I'm using. https://amzn.to/41AF4px    Check out my best-selling books: Rapid Skill Development 101- https://amzn.to/3J0oDJ0 Streams of Income with Ryan Reger- https://amzn.to/3SDhDHg Strangest Secret Challenge- https://amzn.to/3xiJmVO This page contains affiliate links. This means that if you click a link and buy one of the products on this page, I may receive a commission (at no extra cost to you!) This doesn't affect our opinions or our reviews. Everything we do is to benefit you as the reader, so all of our reviews are as honest and unbiased as possible. #passiveincome #sidehustle #cryptocurrency #richlife

In this episode, Catrina Craft shares overlooked tax strategies that entrepreneurs often miss, including entity stacking, income shifting, and leveraging family offices to build long-term wealth. Discover how to maximize your tax benefits and grow your business effectively.Welcome back to the show, Catrina! Head to the bottom of the episode description to stay current in on tax savings and tips. As You Listen00:00 Introduction and Series Overview 01:11 The Difference Between a CPA and a Tax Strategist 02:18 Stop the Simple Strategies: Beyond Basic S-Corp Filing 04:13 Entity Stacking: Using C-Corp and S-Corp for Tax Flexibility 05:12 Income Shifting: Family Members and Business Support 07:06 Stop Chasing Revenue: Invest in Wealth-Building Assets 08:57 Investing in Film Production for Tax Deductions 10:15 Using Real Estate and Oil & Gas for Tax Savings 11:29 Recap of Entity Strategies and Their Benefits 13:40 The Power of Family Management Offices 16:30 Personal Story: Overcoming Financial Challenges 18:27 Working with the Right People and Building Wealth 19:34 Teaser for Next Episode and Final Thoughts 20:09 Where to Find Katrina Kraft Online 

It's Monday, March 9th, A.D. 2026. This is The Worldview in 5 Minutes heard on 140 radio stations and at www.TheWorldview.com. I'm Adam McManus. (Adam@TheWorldview.com) By Adam McManus Russian forces destroyed 450 Ukrainian Baptist churches According to a report published earlier this year by Mission Eurasia, a parachurch ministry dedicated to equipping churches in and around Ukraine, Russian forces have damaged or destroyed at least 737 religious buildings since the start of the full-scale invasion in 2022. Of the 737 buildings affected, about 450 were Baptist churches. Baptists, while the largest Evangelical population in Ukraine, represent only 1 percent to 2 percent of the overall population, revealing that Russian forces are deliberately targeting Baptists in their violent campaign across Ukraine. In 1 John 3:13, Jesus said, “Do not be surprised, my brothers and sisters, if the world hates you.” Hegseth says US has ‘iron-clad will' in Iran war War Secretary Pete Hegseth told reporters on Thursday the United States will continue its attacks on Iran for as long as necessary, saying “We are in it to win it!”, reports NewsNation. Listen. HEGSETH: “Iran is hoping that we cannot sustain this, which is a really bad miscalculation. There's no shortage of American will here. “We remember and honor our fallen those six that we will soon Welcome at Dover, who gave everything for their country in this mission. We remember them, but we remember them by rededicating ourselves even more fervently to this mission. “Our commitment to our mission objectives only increases as our advantages continue to increase. We've got no shortage of munitions. Our stockpiles of defensive and offensive weapons allow us to sustain this campaign as long as we need to.” Secretary Hegseth contrasted the focused mission in Iran with other previously politically correct wars. HEGSETH: “The dumb, politically correct wars of the past were the opposite of what we're doing here. They had vague objectives with restrictive, minimalist rules of engagement. No more. Our authorities, through the President and myself, are maxed out. Our will is iron clad. We are built for this fight, and we are in it to win it.” Rep. Donalds holds Governor Walz accountable for Somali fraud On March 4th, Republican Congressman Byron Donalds of Florida asked Democratic Minnesota Governor Tim Walz some tough questions about allegations of fraud tied to the Somali community in Minnesota during a House Oversight Committee hearing, reports ZeroHedge.com. DONALDS: “Was your office notified of these fraud allegations?” WALZ: “Not me.” DONALDS: “Specifically, we have it under sworn testimony in the Oversight Committee that your former chief of staff was notified directly by these various commissioners about the fraud in Minnesota.” WALZ: “Could be correct.” DONALDS: “So, are you saying that your chief of staff didn't notify you?” WALZ: “I'm saying I don't recall whether he did at that time or not, but we took action. So, I'm assuming, when we put our budgets together, based on that, we put a package together for that legislative session.” DONALDS: “Let's talk about budgets, Governor Walz. Feeding Our Future went from $307,000 in 2018 to $199 million in 2021. Are you aware of this increase in budgetary costs from Feeding Our Future?” WALZ: “Not specifically, but I know it increased during the pandemic.” DONALDS: “The Housing Stabilization Services went from $27 million in 2021 to $105 million in 2024. Are you aware of this increase, Governor Walz?” WALZ: “Not specifically, but I know it increased.” DONALDS: “Autism Centers went from $24 million in 2019 to $342 million in 2024. Are you aware of that?” WALZ: “Not specifically again. But yes, we know the budget increased.” DONALDS: “Integrated Community Supports went from $4.6 million in 2021 to $170 million in 2024. Are you aware of that?” WALZ: “Again, not specifically on the numbers, but it's the budget.” DONALDS: “Governor Walz, you have to submit a budget to your legislature every single year, like every governor has to do. If you're not aware of these increases, what was your office doing?” WALZ: “Everyone is balanced. My budget is about $72 billion. It involves 23 agencies.” DONALDS: “Florida's budget is $115 billion, sir. But what were you doing if you're seeing program increases like this amid allegations of fraud in your state?” Shockingly, $9 billion of taxpayer money was stolen in Minnesota which had been intended for marginalized communities. Planned Parenthood offers Botox injections to supplement abortion income There's a new wrinkle in Planned Parenthood's ever-changing post-Dobbs business plan: The abortion giant has begun offering Botox treatments as a much-needed additional source of income, reports LifeSiteNews.com. Planned Parenthood is in desperate need of new revenue streams after President Donald Trump's One Big Beautiful Bill blocked it from receiving federal Medicaid reimbursements.    As a result, Planned Parenthood Mar Monte — the group's largest affiliate spanning Northern California and Nevada — has been forced to scramble to plug an estimated $100 million revenue gap, according to a report by The Wall Street Journal.   What is unsaid in the Wall Street Journal puff piece is that Planned Parenthood in Northern California and Nevada needs to generate money in new ways in order to subsidize aborting preborn children. Missouri's Personhood bill protects babies from conception Speaking of abortion, Missouri Republican State Senator Mike Moon introduced a resolution which would recognize the personhood of each child in the womb. The bill defines the term "person," under the Missouri state constitution, as including every human being with a unique DNA code regardless of age, including every in utero human child at every stage of biological development from the moment of conception until birth.  Whether you live in Missouri or not, call State Senator Moon's office at 573-751-1480 to thank him for sponsoring the Personhood resolution. Legendary pop star Neil Sedaka died And finally, Neil Sedaka, the Juilliard-trained pop music icon who sold millions of records worldwide and wrote or co-wrote over 1,000 songs, died on February 27th at the age of 86.  According to Parade, Neil Sedaka's most popular songs include chart-toppers like  "Oh! Carol," a 1959 song about his high school sweetheart, Carole King, who is 84 today. “Darling, there will never be another. Cause I love you so. Don't ever leave me. Say you'll never go. I will love you, for my sweetheart No matter what you do. Oh Carol, so in love with you.” “Breakin' Up is Hard to Do” “Comma-comma down, Dooby-doo, down-down Breakin' up is hard to do. Don't take your love away from me. Don't you leave my heart in misery. If you go, then I'll be blue Cause breakin' up is hard to do.” and "Laughter in the Rain." “Strolling along country roads with my baby It starts to rain, it begins to pour. Without an umbrella, we're soaked to the skin. I feel a shiver run up my spine. I feel the warmth of her hand in mine. “Ooh, I hear laughter in the rain, Walking hand in hand with the one I love. Ooh, how I love the rainy days And the happy way I feel inside” In the days following Sedaka's death, streams of his songs jumped by at least 500 percent. For example, there were 514,000 streams of “Laughter in the Rain.” In his 1982 autobiography, Laughter in the Rain, Sedaka remembered himself as “a Jewish mama's boy” – a resounding understatement that did not reflect how completely Eleanor dominated his life until his mid-20s, reports The Guardian. During his first wave of success, between 1958 and 1963, he handed over five-figure royalty checks, which she cashed and kept, allowing him a $1,000 monthly stipend. Later, when Sedaka discovered that his mother, who had appointed herself his manager, had spent most of his money, he fired her and she attempted suicide. Neil married his wife, Leba, in 1962 with whom he had a son and daughter.  The fact that their marriage lasted six decades is rare in the entertainment industry. Matthew 19:6 says, “Therefore, what God has joined together, let no one separate.” During the pandemic, Sedaka played 150 mini-concerts on his Facebook page from his home. Close And that's The Worldview on this Monday, March 9th, in the year of our Lord 2026. Follow us on X or subscribe for free by Spotify, Amazon Music, or by iTunes or email to our unique Christian newscast at www.TheWorldview.com.  Plus, you can get the Generations app through Google Play or The App Store. I'm Adam McManus (Adam@TheWorldview.com). Seize the day for Jesus Christ.

Welcome to the Sunday podcast, where Rich takes a break from marketing and instead focuses on topics more in the realm of self improvement and spirituality. This week he's going to tackle the tricky issue of poverty and income inequality. We can all agree that this is a major issue… and that the solutions being doled out by government, well, they just don't work. Who needs government thought when we have Rich to guide us… let's see what he has to say!

In this episode, we explore one of the quietest wealth blocks for high achieving women: withdrawing love from yourself when you don't perform. Compassion is not indulgence, it's truth without punishment.  In this episode we unpack how compassion creates the safety required for forgiveness, how forgiveness releases self-punishment, and why mistakes must become data instead of identity. Listen as we explore: • Why high performers struggle with self-compassion • The nervous system and money connection • How shame contracts your capacity to receive • Why compassion increases resilience and magnetism • The difference between responsibility and self-attack Doors to Get PAIED are open HERE Catch my free webinar replay HERE Download your Wealth Codes HERE Get the Email Series that Pays HERE 

Send a textWelcome to Safe Dividend Investing's Podcast # 265 on March 7th of 2026. My name is Ian Duncan MacDonald, and I am the author of 7 investment books. My seventh investment book, Achieving Financial Independence Safely - 200 NYSE Stocks Analyzed and Scored" became available January 3rd on Amazon. You can easily find it by searching in Amazon or Google for "Ian Duncan MacDonald books". For more information on my other books and safe investing go to www.informus.caIn this week's podcast I ask the question, "Can Investment Advisors be Trusted". To  generate enough income to live on an advisor must service and sell a hundred or more investors.  The large financial institutions they work for provide bonuses and other incentives to push the investment advisor to exceed monthly targets. If these objectives are not achieved the investment advisor's job may be terminated. Being an investment advisor is a stressful job. To survive it can result in investment advisors bending the rules. Some financial institution turn a blind eye to practices that are not only shady but pure theft.  Before you turn over your life savings to an investment advisors consider the warnings in this podcast.In my first investment book, "Income and Wealth from Self-Directed Investing" I went into detail in how an 80-year-old widow was not only robbed by the investment advisor in one major bank but also by the investment advisor in the second bank she had transferred her investment portfolio to.  Her attempt to  find an honest investment advisor had failed.She then followed my directions and became a successful self-directed investor who was able to  recover the hundreds of thousands she had lost as a full service investor with the two major banks.I have been retired for 20 years and living very well off my investments. My high net worth continues to grow year-after-year along with my high income. I own no ETFs, no mutual funds or bonds. 100% of my portfolio is in financially strong, high dividend paying stocks. Even when the share prices declined in the market crashes of 2008 and 2020 my dividend income grew and was not impacted.I select the stocks by scoring them.  My background was in building large commercial risk scoring systems that rated millions of companies for banks, insurance companies and trade suppliers. To me stocks are just another form of commercial risk. My objective is to show investors how to safely invest.Ian Duncan MacDonald Author and Commercial Risk Consultant,President of Informus Inc 2 Vista Humber Drive Toronto, Ontario Canada, M9P 3R7 Toronto Telephone - 416-245-4994 New York Telephone - 929-800-2397 imacd@informus.ca

Get ready to dismantle the myth that consistency alone leads to success. So many women are posting constantly and showing up every day, yet their income isn't reflecting the effort. The truth is, volume doesn't build a profitable brand. But depth, leadership, and clear messaging do. When your content positions you as a trusted voice and clearly connects your audience to a solution, everything changes. This episode will especially resonate with women who feel like they're always “on,” but still stuck financially.✅ Business Audit: https://forms.gle/dWKUCJcaJMFP5jHe8✅ Join The Vault & get instant access to 125+ courses, monthly LIVE Q&A sessions, monthly accountability calls, thousands of Canva Templates, new courses added throughout the year, and so much more! https://bit.ly/TheOfficialVault✅Grab your FREE copy of my book, ‘Boss It Up Babe!'https://bit.ly/BOSSItUpBabeBookHost Bio:Kimberly Olson is a self-made multi-millionaire and the creator of The Goal Digger Girl, where she serves female entrepreneurs by teaching them simple systems and online strategies in sales and marketing. Through the power of social media, they are equipped to explode their online presence and get real results in their business, genuinely and authentically. She has two PhDs in Natural Health and Holistic Nutrition, has recently been recognized as the #2 recruiter in her current network marketing company globally, is the author of four books including best-sellers, The Goal Digger and Balance is B.S., has a top 25 rated podcast in marketing and travels nationally public speaking. She is a mom of two and teaches others how to follow their dreams, crush their goals and create the life they've always wanted.Website: www.thegoaldiggergirl.comInstagram: www.instagram.com/thegoaldiggergirlFacebook: www.facebook.com/thegoaldiggergirlYoutube: www.youtube.com/c/thegoaldiggergirlCheck out my Facebook groups for those that want to build their business online through social media, in a genuine and authentic way:Goal Digging Boss Babes: https://www.facebook.com/groups/goaldiggingbossbabesLeave a review here: Write a review for The Goal Digger Girl PodcastSubscribing to The Podcast:If you would like to get updates of new episodes, you can give me a follow on your favorite podcast app.

Have you ever had a month where your business finally starts working… sales come in, people respond, momentum builds and then somehow your income drifts back to the same level again?It's a pattern many business owners experience, and most assume it means they need a better strategy.But often the real reason is something much more subtle.In this episode of Designed for Wealth, we explore the hidden pattern that quietly caps business growth: how your behaviour changes the moment momentum starts.You'll discover why income doesn't stabilise at the level you reach once, but at the level of behaviour you consistently maintain and why holding your standards when things start working is what allows your next level to become your new normal.Inside this episode we explore:• Why income spikes often reset back to the same level• The behaviour pattern that appears when your business starts growing• How your nervous system can quietly pull you back to what feels familiar• Three powerful questions to help you recognise this pattern in yourself• The shift that stabilises your next level in businessIf your business has grown before but your income hasn't stayed there, this episode will help you understand why and what actually creates lasting expansion.Send a textDesigned for Wealth is for women who keep dropping back to the same income even though they've done the inner work, mindset and strategy. This podcast explains the missing piece, your nervous system's capacity to feel safe with success. Here we break down: • why income plateaus happen • why manifestation and mindset don't hold • and how nervous system capacity creates wealth that actually stays If you're tired of getting close and then falling back, you're in the right place. The Upgrade: Turn your next level into your new normal by training your nervous system to hold more. $47/month for a limited time.

THE STREAM IS LOVE. SILENT. LOVE.www.curlynikki.comSupport the show-> http://patreon.com/goodmornings

At the beginning of your real estate career, growth feels simple. More calls create more appointments. More appointments create more closings. More effort creates more income. The formula feels obvious. Until it stops working. At a certain point, many productive agents hit a strange phase where working harder doesn't seem to produce the same results. Income becomes less predictable. Schedules become chaotic. Opportunities feel harder to control. And the instinctive reaction is usually the same: “Maybe I just need more leads.” So agents buy more Zillow leads. More portal ads. More marketing. But instead of scaling their business, they accidentally scale their stress. In this episode, Tim and Julie Harris explain the mindset shift that separates agents who stall from those who continue growing year after year. You'll discover why productive agents stop chasing activity and start designing businesses built around: Listing leverage Predictable pipelines Conversion improvement System-driven growth You'll also learn why the most successful real estate professionals stop asking: “How do I get more business?” …and start asking a much better question: “How do I make this business more predictable and less dependent on me?” This conversation reveals why real estate growth eventually shifts from hustle to strategy — and why agents who understand that shift create far more stability, income, and long-term freedom. Free Real Estate Coaching & Training

Success in dentistry isn't just about being a great clinician; it's about being a master strategist. In this episode of The Millionaire Dentist, Casey Hiers and Jarrod Bridgeman sit down to discuss why "playing it safe" is often the riskiest move a practice owner can make.From Casey's battle with a stubborn sore throat to Jarrod's recent deep dive into a competitive Magic: The Gathering tournament, the guys find inspiration in the most unlikely places. They draw a direct parallel between the high-stakes strategy of a card game and the complex maneuvers required to run a profitable dental practice.Upcoming Tour Dates: Go to our EVENTS page for infoFacebook: Four Quadrants AdvisoryInstagram: @fourquadrantsadvisoryLinkedIn: Four Quadrants Advisory

Send a textWe unpack the Excess Business Loss limitation and show how it caps the amount of business loss you can use against W-2 wages, interest, dividends, and capital gains. We share thresholds for 2025–2026 and walk through timing moves with cost segregation, capital gains, credits, and withholding.• who EBL hits hardest among high W-2 earners and investors • section 461 rules that limit losses against non-business income • 2025 and 2026 thresholds for single and joint filers • why carryforwards lose value for rental losses • timing cost segs and electing out of bonus on classes • pairing staged losses with staged capital gains • stacking credits and charitable strategies after EBL caps • using W-4 planning to access tax savings soonerIf any of this is applicable to you and you want to learn more and see how these concepts apply, and also if you want to get a personalized video made from me where I will review your situation and I will outline what may be possible when we use advanced tax reduction strategies and which of these strategies listed above may apply to you and how much it could save you, and anything else to help you understand how advanced tax reduction can apply to your situation. I suggest you go to http://www.prosperalcpa.com/apply. That's prosper with an L CPA.com slash apply.

WWW.ADVENTUREFREAKSSS.COM Find your Ideal Destination Here: https://adventurefreaksss.com/ideal-destination-finder/ ================================= How to work with me: =================================

In this episode, we chat with Rob Crayfourd and Keith Watson, Co-Fund Managers for CQS Natural Resources Growth and Income, the Geiger Counter Funds and Golden Prospect Precious Metals, where all funds provide shareholders with exposure to a broad portfolio of mining and resource-focused equities, aiming to deliver both steady dividend income and capital growth. We are discussing their Geiger Counter fund, which focuses on the uranium market and the investment case behind it. We discuss the fund and mandate, where they're currently seeing opportunities across the sector, and what's been driving the recent momentum in the uranium price. We also explore whether that momentum is sustainable, the fundamentals supporting uranium long-term, and how a potential supply deficit could shape global nuclear ambitions. Finally, we look at policy and regulatory shifts, and the thinking behind some of their key portfolio holdings. KEY TAKEAWAYS The uranium market is currently experiencing a supply deficit, driven by low inventory levels and increasing demand from nuclear reactors The funds focus on undervalued uranium assets, particularly in North America, with a significant emphasis on companies like NextGen and Denison There is a strong belief that the momentum in the uranium market will continue, driven by structural demand growth and the need for new uranium mines to come online Recent policy shifts in the U.S. and other Western countries are increasingly supportive of nuclear energy, which is seen as a critical component of energy security BEST MOMENTS "Nuclear power is now very strategic in that there is a clear shortage of base-load capacity in most regions around the world." "We want to be in those names that have full participation into a rising price environment... if the uranium price goes to 150, 200, 250, then they get full participation in that." "In western markets, the established nuclear markets, nuclear represents something like 20% of electricity capacity... that makes it all the more strategic." "We're seeing reactor lives being extended. There's a real shift to a much more positive political support backdrop for nuclear." GUEST RESOURCES Geiger Counter: https://www.linkedin.com/company/geiger-counter/ https://ncim.co.uk/geiger-counter-ltd/ CQS Natural Resources Growth and Income Plc https://www.linkedin.com/company/cqs-natural-resources-growth-and-income-plc/ https://ncim.co.uk/cqs-natural-resources-growth-and-income-plc/ Golden Prospect: https://www.linkedin.com/company/golden-prospect-precious-metals-investment-fund/ https://ncim.co.uk/golden-prospect-precious-metals-ltd/ VALUABLE RESOURCES Mail:        ⁠rob@mining-international.org⁠ LinkedIn: ⁠https://www.linkedin.com/in/rob-tyson-3a26a68/⁠ X:              ⁠https://twitter.com/MiningRobTyson⁠  YouTube: ⁠https://www.youtube.com/c/DigDeepTheMiningPodcast⁠  Web:        ⁠http://www.mining-international.org⁠ CONTACT METHOD ⁠rob@mining-international.org⁠ ⁠https://www.linkedin.com/in/rob-tyson-3a26a68/⁠ Podcast Description Rob Tyson is an established recruiter in the mining and quarrying sector and decided to produce the “Dig Deep” The Mining Podcast to provide valuable and informative content around the mining industry. He has a passion and desire to promote the industry and the podcast aims to offer the mining community an insight into people's experiences and careers covering any mining discipline, giving the listeners helpful advice and guidance on industry topics.  This Podcast has been brought to you by Disruptive Media. https://disruptivemedia.co.uk/

This episode discusses how a diversified monthly income portfolio is constructed to deliver a consistent income stream alongside capital growth. In our interview with Vincent McEntegart, co-manager of the Aegon Diversified Monthly Income fund, we find out why a 5% income target was chosen, how income is sourced across equities, bonds, alternatives and currencies and how the portfolio has adapted as interest rates have risen. We also discuss the role of duration management, portfolio diversification, currency hedging and disciplined rebalancing in protecting investors through market volatility, particularly for those in or approaching decumulation. What's covered in this episode: Why target a 5% monthly incomeIncome vs capital growth trade-offsBuilding a diversified income portfolioEquities, bonds, alternatives and currency incomeHow higher interest rates changed the strategyManaging duration and interest rate riskUsing currency to enhance yieldProtecting capital during market drawdownsIncome investing in the decumulation phaseLearn more on fundcalibre.comPlease remember, we've been discussing individual companies to bring investing to life for you. It's not a recommendation to buy or sell. The fund may or may not still hold these companies at the time of listening. Elite Ratings are based on FundCalibre's research methodology and are the opinion of FundCalibre's research team only.

BGI 409 The One About Game Designer Income Board Games Insider – Join our Guild on Board Game Geek Guild | Like us on FB Social media: Ignacy Trzewiczek / Portal Games: website | FB | Twitter | Youtube Corey Thompson / Above Board TV: website | Youtube Stephen Buonocore / “The Podfather Of Gaming”: website | FB | Twitter | Youtube Intro Music: Happy Rock – Bensound.com

Why do so many brilliant, accomplished women still feel financially uneasy, even when everything looks stable from the outside?   In this Foundations episode, Dr. Felecia Froe speaks directly to high-achieving women who have done everything "right" yet still feel a quiet undercurrent of pressure. This conversation moves beyond spreadsheets and retirement accounts and into the deeper truth about financial security. Income is not the same as wealth. Comfort is not the same as resilience. And intelligence alone does not create peace.   Dr. Froe unpacks the emotional weight many professional women carry, the hidden dependence created by high-income lifestyles, and why true financial security is rooted in optionality, control, and assets that work without you. If you have ever wondered why success does not automatically feel secure, this episode will help you reframe the question and start building something sturdier than income alone.   00:00 - Why Success Feels Shaky 00:38 - Welcome and Foundations 01:34 - The Hidden Uneasiness 02:07 - Security Is Not Math 03:22 - The Invisible Responsibility Load 04:24 - From Income to Wealth 05:09 - A Better Question 06:12 - You Are Not Behind  

How Wealthy People Actually Think About Money (Part 1 of 6) JOIN THE BE WEALTHY MASTERMIND Want to join a room of entrepreneurs who think bigger about money? Email Katelyn@bewealthy.com with the subject line "Be Wealthy Podcast MM" to learn more. Brett and Katelyn kick off a six-part series breaking down how wealthy people actually think about their money. In Part 1, they dig into what it really takes to be rich at every age - net worth, income, passive income, and home values across the median, top 10%, top 1%, and top 0.01%. Brett shares the three levels of problems framework, why Jeff Bezos drove a 1997 Honda Accord while worth $25 billion, and the uncomfortable truth that higher income does not equal higher net worth. TIMESTAMPS 0:00 Introduction 3:04 The 40-Hour Question 4:27 Are You Spending Time on Your Money 5:07 The Case for Reading Books 6:16 Three Levels of Problems 12:49 Net Worth by Age 18:15 Top 10% at 30 19:46 Top 1% at 30 21:13 Top 0.01% at 30 24:10 Gary Keller and the Ford Taurus 36:40 Net Worth at 40 38:20 Net Worth at 50 39:18 W-2 Income vs Wealth 47:03 Income by Age 50:09 NFL Players and Financial Distress 52:33 Income Grows Slow Net Worth Grows Fast 55:20 CEO of Coca-Cola Makes $1.6M 56:11 Income Does Not Equal Net Worth 57:14 Passive Income Data 58:04 Shackled in a Prison 58:56 The Meredith Story 1:01:28 Top 1% Passive Income 1:02:36 4% of Households Get 80% of Dividends 1:03:50 Rihanna Built Wealth Outside Music 1:05:19 Home Values by Age 1:05:46 Your Home Is Not an Asset 1:09:32 How Brett Built Wealth in His 20s 1:11:17 Ownership Over Time 1:12:23 Recap and Three Action Items 1:13:36 Action 1: Track Net Worth Monthly 1:14:56 Action 2: Build a $50M Wealth Plan 1:15:59 Action 3: Path of Money Exercise GET CONNECTED Website: www.BeWealthy.com YouTube: youtube.com/@bewealthybrett Instagram: instagram.com/bewealthybrett Facebook: facebook.com/brettbewealthy X/Twitter: x.com/bewealthybrett FREE RESOURCES Free Tools & Downloads: https://www.bewealthybrett.com/resources Cost Segregation Studies & 45L Tax Credit: SingleFamilyCostSeg.com Infinite Banking Education: SaveLikeaBank.com Self-Directed IRA: MaxOutRetirement.com Trust & Entity Structure: SetupMyEstate.com Off-Market Deals & Direct Mail: TheMagicMailers.com 1031 Exchange: Exchange1031Now.com Bookkeeping & Financial Services: BooksOffMyPlate.com PPC & Digital Marketing for RE Investors: ScaleMyDeals.com ABOUT THE SHOW The Be Wealthy Podcast brings entrepreneurs the strategies to grow their business - then teaches them how to think about their money. Because wealth is far more than money - it's freedom. Hosted by Brett Tanner & co-pilot Katelyn Mitchell. Mission: Get Free. DISCLAIMER Be Wealthy and its affiliates do not provide tax, legal, or accounting advice. This material has been prepared for informational and entertainment purposes only, and should not be relied on for tax, legal, or accounting decisions. Always consult your own advisors before taking financial action.

Send a textTurn your expertise into income after 50.  Retirement looks different now. With more women exploring second acts - whether driven by economic shifts, changing timelines, or simply a desire for more - many are asking: Where do I start? The answer may already be in you.In this episode of the Ageless Glamour Girls™ Podcast, we explore how seasoned professionals can reposition decades of experience into authority, income, and impact.  Roz Miller-Choice, founder of The Expert Maker® and author of Know It. Share It. Profit., joins us to discuss:• Why experience may be your greatest untapped asset • Moving from employee thinking to expert positioning • Mindset shifts required to monetize what you know • Why your expertise was never meant to be a best-kept secretIf you're navigating midlife reinvention, career repositioning, or building income after 50, this conversation is for you. Cheers to healthy aging and joyful living, Luvvies!ABOUT OUR GUEST:  Roz Miller-Choice - The Expert Maker® is a personal brand strategist, TEDx speaker, author, and award-winning TV host who helps professionals turn knowledge into credible, profitable brands — earning her the name The Expert Maker®.  A former TV anchor, reporter, and producer with CNN, CBS, NBC, and FOX, Roz combines decades of media experience with entrepreneurship training from Cornell University and Harvard Business School. She is the author of the upcoming book Know It. Share It. Profit.: The 3-Step Branding and Marketing Plan to Turn Your Expertise into Profit and leads a creative team that helps experts build visible, authority-driven brands.Her television series The Expert Maker TV is a winner of the 43rd Annual Telly Awards for branding excellence.                                Guest Links:   Pre-Order Book: https://ksp-book.com/Course: knowitshareitprofit.com TEDx Talk: https://youtu.be/fWcK5itKSSYSpecial thanks to our sponsor, Bricker Labs - makers of Liquid Vitamin B12 Blast and Folic Acid, supporting energy and focus in this season. Visit BrickerLabs.com and use our AGG savings code: AGG10. These statements have not been evaluated by the Food and Drug Administration. This product is not intended to diagnose, treat, cure, or prevent any disease.Support the showSupport Ageless Glamour Girls™: www.agelessglamourgirls.com www.linkedin.com/in/marqueetacurtishaynes https://www.shopltk.com/explore/AgelessGlamourGirls https://www.youtube.com/@agelessglamourgirls Instagram @agelessglamourgirls Facebook: https://www.facebook.com/agelessglamourgirls Private (AGG) FB Group: The Ageless Café: https://www.facebook.com/groups/theagelesscafe TikTok: @agelessglamourgirls Podcast Producers: Ageless Glamour Girls™ and Purple Tulip Media, LLC

What if everything you were taught about money is keeping you trapped in the grind? Tune in for an empowering discussion with Chris Miles, the anti-financial adviser on his new book The Work Optional Blueprint: Live Free. Be Wealthy. Make A Difference. Moments with Marianne airs in the Southern California area on KMET1490AM & 98.1 FM, an ABC Talk News Radio Affiliate!  https://www.kmet1490am.comChris Miles is the Cash Flow Expert and unapologetic Anti-Financial Advisor who helps high-income earners break free from the grind and achieve financial freedom—without gambling on Wall Street. Disillusioned by the broken financial industry, Chris built multiple streams of passive income and retired—twice—before 40. As founder of Money Ripples, author of Work Optional Blueprint, and host of the top-rated Money Ripples Podcast, he has helped clients create over $300 million in immediate cash flow and long-term passive income. Featured in CNN Money, BiggerPockets, and Entrepreneurs on Fire, Chris reveals how to stop working for money—and start living free, wealthy, and abundant. https://moneyripples.com Order now on Amazon https://a.co/d/0iom5v5E To learn more about the shwo and interview opportunities contact us at: https://www.mariannepestana.com 

What if making more money isn't actually the solution to your financial stress?In this episode, Joanne sits down with financial consultant and millionaire coach Kimberly Graham to talk about the real reason many entrepreneurs struggle with money—even when their income is growing.Kim shares the powerful story of how she and her husband, both educators, paid off $76,000 in student loan debt in just 28 months and went on to pay off their home in six years. That journey led her to help entrepreneurs organize their money, break unhealthy financial patterns, and start building long-term wealth.You'll hear practical insights about lifestyle creep, money mindset, financial habits that support growth, and how entrepreneurs with unpredictable income can still create stability in their finances.If you're a tutor or small business owner navigating the ups and downs of entrepreneurship, this conversation will give you a fresh perspective on how to take control of your money instead of feeling controlled by it.The affluent marriage pod - https://www.youtube.com/@TheaffluentmarriagepodFacebook page - https://www.facebook.com/kimgrahamfinancialcoach/

How could you diversify your income streams by pursuing your interests? Anyone who knows me knows I have a lot going on—I run Bossed Up, I have a corporate day job, I'm a parent…and that's not even half of it. But I firmly believe that expanding your career portfolio is a wise move, for your finances and your energy sustainability.  Especially in the current wildly unstable job market, why focus all your time, energy, and interest on a single job? By doing so, you run the risk of being left at loose ends if, heaven forbid, your job falls through. In this episode, I share my own exciting new business venture, along with some helpful tips for exploring your own side hustles and hobby monetization. If you've ever considered becoming a multi-hyphinate—or know someone who's on that path—you're going to love this one. Mitigate your income risk and diversify your time and energy: The two pie charts that sum up your career portfolio; How to find more time for your side hustle without exhausting yourself; Three ways you can start to explore doing more, safely and strategically. Related Links: Matt Schumer's essay “Something Big is Happening” - https://x.com/mattshumer_/status/2021256989876109403 Episode 536, Strategic Detachment: A Trend for Surviving and Thriving - https://www.bossedup.org/podcast/episode536 “The Lean Startup” by Eric Reis - https://bookshop.org/p/books/the-lean-startup-how-today-s-entrepreneurs-use-continuous-innovation-to-create-radically-successful-businesses-eric-ries/3cb6bdcf8f1bebc2 My NEW LinkedIn Learning Course: Get Unstuck: Make a Plan to Move Your Career Forward - https://www.linkedin.com/learning/get-unstuck-make-a-plan-to-move-your-career-forward-30720060 Bossed Up Courage Community - https://www.facebook.com/groups/927776673968737/ Bossed Up LinkedIn Group - https://www.linkedin.com/groups/7071888/ Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

There is one truth that has followed every major technological revolution in human history. Energy demand always rises to meet technological capability. When we industrialized, coal consumption exploded. When we built the modern transportation system, oil demand reshaped global geopolitics. When we entered the digital age, electricity quietly became the backbone of the global economy. And now we are entering the AI era. What most people don't appreciate is that AI is not just a software revolution. It is an electricity revolution. Training a single advanced AI model can consume as much electricity as tens of thousands of homes use in an entire year. And once trained, these models continue to run inside data centers filled with specialized hardware operating 24 hours a day. A single large AI data center can require over 1 gigawatt of power. To put that into perspective, that's enough electricity to power roughly 700,000 homes. One building consuming the equivalent of a major city. Now consider that companies like Microsoft, Google, Meta, and Amazon are planning dozens of these facilities. Suddenly, you begin to see the scale of what's happening. Even individual AI queries consume more power than traditional computing tasks meaningfully. One estimate suggests an AI query can use roughly 10 times the electricity of a traditional search query. That difference seems trivial until you multiply it by billions of interactions per day. This is why, for the first time in decades, electricity demand in the United States is accelerating again. For nearly 20 years, electricity demand was relatively flat. Efficiency gains offset economic growth. But AI, electrification of transportation, and domestic manufacturing are reversing that trend. And here's where the story becomes even more interesting. China understands this. China is building power infrastructure at a pace that is difficult to comprehend. They are adding entire national-scale power capacity every few years. In 2023 alone, China added more new coal power capacity than the rest of the world combined. At the same time, they are installing solar and wind at record rates, becoming the global leader in renewable deployment. They are not choosing one energy source. They are choosing all of them. Because they understand that energy availability determines technological leadership. Meanwhile, in the United States, building new power plants and transmission infrastructure can take a decade or more due to regulatory hurdles, permitting delays, and political resistance. This creates a very real risk. The country that can generate the most reliable, scalable energy will have a structural advantage in AI, manufacturing, and economic growth. Energy is becoming the limiting factor. And whenever something becomes a bottleneck, investment opportunities emerge. We are entering a period where trillions of dollars will be spent on power generation, grid modernization, nuclear energy, solar, battery storage, geothermal, and technologies that most people have never even heard of. Some of the biggest fortunes of the next decade will likely be tied directly or indirectly to solving this energy constraint. In today's episode, we explore alternative energy sources, the challenges we face, and the technologies that may power the future. Because understanding energy is no longer optional if you want to understand where the world is going. And as investors, those who see these shifts early have the opportunity to position themselves ahead of the crowd. Watch on YouTube: https://youtu.be/D0Lpmq0SAvo Listen on Apple Podcasts: https://podcasts.apple.com/gb/podcast/548-ai-is-about-to-trigger-an-energy-crisis-most/id718416620?i=1000752299883 Listen on Spotify: https://open.spotify.com/episode/5l4674hFIJPWkz0spMq4YL Transcript Disclaimer: This transcript was generated by AI and may not be 100% accurate. If you notice any errors or corrections, please email us at phil@wealthformula.com.  Welcome everybody. This is Buck Joffery, the Wealth Formula podcast. And today, before we begin, I wanna remind you as always, there is a website associated with this podcast, wealthformula.com. That’s where you want to go. If you have, uh, an interest in uh, ing more in the community in particular, there is a, a credit investor club. AKA investor club, which you need to sign up for. Uh, go to wealthformula.com and see some private deal flow at, uh, no cost to you, uh, that, uh, you might have an interest in. Uh, let’s talk about today’s show. It’s a little bit about, uh, something. You know, that is, uh, on I think, a, a major issue, uh, going into the next decade. Um, you know, there’s one truth that’s followed. Every major technological revolution in human history. Energy demand is always rise, uh, to meet technological capability. You know, when we industrialize, uh, coal consumption exploded, obviously when we built modern transportation system oil. Demand, uh, reshaped global geopolitics. And when he entered the digital age, electricity became the backbone of the global economy, and now we’re entering the era of artificial intelligence. Now, what most people don’t appreciate is that AI is not just a software revolution, it’s an electricity revolution. Uh, training a single advanced AI model can consume as much electricity as literally tens of thousands of homes in an entire year. And once trained, these models continue to run inside data centers filled with specialized hardware operating 24 hours a day. A single large AI data center can require what’s called a entire one gigawatt of power. Now, what’s a gigawatt? Well, to put this all into perspective, that’s enough electricity to power. Roughly 700,000 homes, one building consuming the equivalent of a major city. Now, consider that companies like Microsoft, Google Meta, Amazon, they’re applying to build dozens of these facilities, and suddenly you begin to see the scale of what’s happening. Uh, even individual AI queries when you do them, they consume a lot more power than traditional computing tasks. Um, there’s an estimate that suggests that an AI query. Can use roughly 10 times the electricity of a traditional, uh, search query. The difference seems trivial until you multiply that by like billions of these interactions per day. And that is why for the first time in decades, electricity demand in the United States is accelerating again and doing so quickly. Now you might ask, well, you know, what’s been happening for the last 20 years? Well, electricity demand was actually relatively. Flat. And a lot of that is because of efficiency gains, offsetting economic growth, but ai, electrification of transportation, domestic manufacturing, they’re all gonna reverse that trend. And, and here’s where the story becomes even more interesting, because we know that China already understands this. China’s building power infrastructure at a pace that’s difficult to really even comprehend. They’re adding entire national skill, power, capacity every few years. In 2023 alone, China added more new coal power capacity than the rest of the world combined. And at the same time, they’re installing solar, wind, all these things at record rates becoming really the global leader in re renewable deployment. So you don’t think of China is that way, but they are. They’re not choosing one energy source. They’re choosing all of them. And because they understand that energy availability will determine technological leadership. Meanwhile, in the US things are kind of slower. Building a, a new power plant and transmissions infrastructure can take a decade or more. We got lots of regulatory hurdles and permitting delays in political resistance that the Chinese don’t have, and that creates a lot of risk. The country that can generate the most reliable, scalable energy, we’ll have a structural advantage in AI manufacturing and economic growth. And that is a big, big deal because energy at the end of the day is becoming. The limiting factor for growth, and whenever something becomes a bottleneck, you also get investment opportunities that emerge. So we’re entering a period where trillions of dollars will be spent on power generation, grid modernization, nuclear energy, solar battery, geothermal, you name it. And a lot of those things you’ve never heard of. Some of the biggest fortunes of the next decades will be tied directly or indirectly to solving these energy constraints. That is why in today’s episodes we’re gonna explore these alternative energy sources, kind of get an idea of what’s going on with them. I know it doesn’t sound super exciting or sexy, but understanding energy right now is, is not optional. If you wanna understand where the world is going, and as investors, those who see these shifts early are gonna have an opportunity to position themselves ahead of the crowd, and we’re gonna have. A conversation to highlight all of that right after these messages. Wealth formula banking is an ingenious concept powered by whole life insurance, but instead of acting just as a safety net, the strategy supercharges your investments. First, you create a personal financial reservoir that grows at a compounding interest rate much higher than any bank savings account. As your money accumulates, you borrow from your own. Bank to invest in other cash flowing investments. Here’s the key. Even though you’ve borrowed money at a simple interest rate, your insurance company keeps paying. You compound interest on that money even though you’ve borrowed it at result, you make money in two places at the same time. That’s why your investments get supercharged. This isn’t a new technique, it’s a refined strategy used by some of the wealthiest families in history, and it uses century old rock solid insurance companies as its back. Turbocharge your investments. Visit wealthformulabanking.com. Again, that’s wealthformulabanking.com. Welcome back to the short rewind, uh, energy demand is, uh, rising, not just from ai but from electrification. Population growth, economic activity itself. At the same time, we’re trying to transition how energy’s produced, which creates, uh, real trade-offs around cost, reliability, and scale. Today’s conversation isn’t about, uh, ideology necessarily, but it’s about the economics of energy and what’s realistic as demand continues to grow. And to help us think this through. I’m joined by Dr. Ga Hockman, professor of Environmental and Resource Economics, with the PhD from Columbia University Gall. Welcome to the show. Good morning. So let’s just start very basic here. In your view, why does economic growth almost always translate into higher energy demand? Because production is very dependent on energy. And so whenever you wanna expand production, you wanna expand food, you need more energy. And this is actually what we’re trying to decouple, to create production processes that are less energy intensive. So as we grow, as we become happier, more viable, we don’t necessarily need more energy. So, uh, setting, uh, ai, artificial intelligence aside for a second, are we already in a path where electricity demand has to rise, you know, meaningfully over the next decade? I mean, what, what kind of projections do we look at there? We need to decouple growth from energy. We didn’t do that yet. As long as we don’t do it. Uh, growth will be associated with an increase in energy demand, not as much as AI has been introducing. And that is, uh, uh, uh, jumping to a higher step. Right. Now, you’ve mentioned this a couple times in the decoupling idea how in the big picture, like how do you do that? Uh, does the low hanging fruit that the US implemented from the 1980s, 1990s, and that is energy efficiency. It, which creates a win-win. Uh, it just changed the light bulbs in your, in your house. You save electricity, but you also save money ’cause these bulbs last much longer. Assuming their cost is not high enough. Is not too high. Uh, industry is the same thing. Introducing more efficient processes. Can result endless need for energy, but we need to go a step further to make it more meaningful and to introduce production processes that simply depend less on energy or depend less on energy that is polluting. Give us another example. I mean, the light bulb is an easy one, but, um, I mean, what are some large scale ideas for that energy efficiency issue? That you’ll think about when you think about these kind of decoupling ideas. Uh, another thing, just, uh, the appliances at home, uh, you want them to, uh, be more energy efficient and the windows you put on your houses, you want it to be double blast, maybe even triple in some cases that blocks the sun and helps I, uh, isolate the house better so you don’t need to heat it as much. Insulation is very important. Uh, very similar things exist in the commercial sector. Uh, if you look at the big retail stores, they’re using a lot of light bulbs. They’re using a lot of insulation to reduce their, uh, heating costs. If they are wanting to become more energy efficient. So these are not very complicated things that can really make a change in residential, in commercial. And you can then expand it further into production process in the manufacturing. And there are different examples also there. There’s also this big driver of energy in the next couple of decades, uh, which, you know, people talk about how many more terabytes we’re gonna need just to support the artificial intelligence revolution. Do you think it’s realistic, you know, just to focus on these efficient levels? Is that enough for, for how much energy we need? No, no. And we need to expand the energy. Uh, it’s important to expand it in ways that is cleaner energy, so it does not create harm. So you don’t create a good with a bad, uh, you wanna introduce energy that is cleaner so you don’t increase, uh, pollution. Uh, impact greenhouse gases. Um, so it is also the fuel mix that you’re using. The fuel sources. Will you use solar? Will you use hydro? Will you use, uh, wind, uh, bio bioenergy, same thing. Bioenergy crops. So you wanna exp expand, you wanna. Introduce a more diverse set of feedstocks that many of them are much more, uh, cleaner than the existing one. Uh, so the movement to renewable is important. Uh, and again, you don’t need to decrease the existing infrastructure, but the new infrastructure at least needs to come from a cleaner sources. You need to improve our use of batteries. Yeah. Let, let’s break down some of the things that you’ve talked about. So, solar, okay. Um, what did, what does solar do well and where does it struggle? Solar, people forget, in 2005 it was $10. Now it’s below $1. So we need to understand that there is a transition in the transition. Many times costly, but we need to learn and bring it down that. Learning came in terms of installation. The installation became much more efficient, uh, much less costly, much faster, and that brought the price of solar down. Uh, solar has been performing very well in many places. Uh, eh, solar today is cheaper than many of the most polluting, uh, infrastructure for power in the world. If I remember correctly, the number, it’s around 500 gigawatts, which is a big number. Uh, they can, that solar can outcompete the existing, uh, energy sources. Uh, where it’s struggling is that, um. Silicon will be is is in high demand and that is a creating a floor that prevents solar from going even lower, but it can also create a constraint in the future as you expand it further. Can you explain for, for us just the silicon issue? ’cause is that. So it’s just a, a silicon is a major component and we don’t have enough, is that what you’re saying? Yes. Yes, exactly. And then doesn’t that drive up the price of silicon? Yes, but we, we didn’t hit that. We, we we’re, we’re, uh, but there are actually various entities working on alternatives. From MIT to companies, uh, that are offering interesting solutions. Yes. You mentioned storage as well. Um, energy storage. Um, how close are we to storage being really viable at scale? I mean, this is, um, you know, we certainly, battery technology has improved, but, you know, how, how, how close are we to it? Becoming something that is, is really, really helping the issues. Uh, it’s challenging ’cause right now it makes it more expensive. But if the more we use it, the more we learn, the more we understand, the more, uh, efficient and cost efficient we can introduce it. Cost will go down. So it’s like the, how do you push it forward? How do you adopt these technologies? Now, we should always remember that there are, in some places, it is already very viable. But it demands certain, uh, uh, circumstances. For example, uh, the Southwest has a location where it has, uh, underground water and solar. The solar heats the underground water. So the underground water becomes the storage that, uh, then the steam becomes the electricity in the night. And that is a very viable process. Hydro with wind goes also very well, and again, uh, they manage to store, uh, use the wind to bring water upstream, and then when there’s no wind, the water flows downstream and through hydro creates electricity. Batteries, it’s technology. Uh, will a breakthrough come one day? I believe so, but again, I, I can’t predict it. Um, we can talk about, um, you know, natural gas, right? I mean, natural gas doesn’t get much attention, uh, in the transition narrative, but how important is it today in maintaining grid stability in supporting renewables? Reliability is more important than prices to many of us. No one likes blackout and if you talk with the, those that monitor and and manage the electricity markets, that’s their top priority, not the price. Uh, we don’t like it when we don’t have electricity. We we’re very dependent on it. So reliability is definitely be, uh, uh, uh, a must before you even move towards renewables. Absolutely. Before prices even, uh, uh, for anyone in the us. Um, so NA Gas has the potential, uh, it has less. CO2. The problem with NA gas is that the infrastructure is leaking. That means that the pipeline are emitting and methane because of leaks. Uh, I believe that needs to be addressed. Uh, uh, natural gas has the potential to be used, but. You need to not use it with an infrastructure that is, uh, resulting in more damage than good. It kind of defeats the purpose of it. What would do you look at natural gas as a short term bridge or something that, you know, the, the system may rely on, you know, in, in a much longer, uh, timeframe, even with other renewables. I would be careful in creating a bridge because that this infrastructure is very expensive. Once you put the amount of money needed to create infrastructure, it’s very hard to change it. Having said that, you will have solutions that will use fossil fuels, which includes natural gas, even in the long run, simply because the cost and the benefits will add up in a way that. It won’t make any sense moving away from fossils. In my opinion, not everyone will agree with me. Yeah, but, and, and you do have technologies that can make fossil fuels much, much cleaner. Like carbon capture used in storage. Uh, that technology has a huge potential. You can recycle the hydrogen and recycle other components in the refinery process that results in a cleaner fuel. But it’s something that we need to incentivize the companies to do. Uh, a company will not do it independently ’cause it’s more costly and that’s important. How about nuclear? I mean, nuclear. Offers reliable carbon free, you know, power. Yet it hasn’t scaled the way many people expected. Um. Why is that people are afraid of nuclear. Look at the three Mile Island and, and look at Fukushima and Chernobyl for that matter. People remember those stories and that really resonates with them badly. And there’s also a problem in the accounting of nuclear. Even the most safest countries in the world like Japan will everyone considered super safe. Even they have an accounting problem. So there is the concern that. Even small amounts get leaked out to the wrong hands. That can be a very bad outcome. Eh? Having said that, there is, I don’t know. I don’t follow it too much, but I do know there is a drive to create small nuclear plants, mobile plants, eh, from my recollection for two, three years ago, the company that I heard of was very successful at that. Eh, Japan went back to nuclear different than Germany. By the way. Germany did not try to, uh, divest from nuclear. So there are some places that nuclear becomes very important. I think it’s also becomes important in some areas that work in ai. So it has been introduced as a source of electricity. Can you tell us a little bit about small modular reactors? There’s a lot of buzz about that. What, what exactly are they? I mean, how small are they? You know, safety wise, uh, they’re mobile, they’re not very big. And, uh, that makes them, uh, much more easier to manage and control as opposed to the very big nuclear plans. Nuclear is a base load. So you use it, you, once you turn it on, you don’t want to turn it off. It’s too expensive. The on and off, it takes it a long time to, to uh, ramp up. Uh, and, uh, mobile, uh, nuclear plants are addressing many of these concerns that exist with the big plants. So they are solving it in, in what I saw pretty well in some circumstances. How small are they? I mean, are they, so would you. Would a, you know, one of these AI data centers, or what would they just, would they have one small modular react or they’ll need more than that? They’ll need more than that. Oh, they need more, more than one. Yeah. Yeah, yeah. So they’re, they’re pretty small or they like, you know, the size of a car or they. How, how small are these things? No, they’re bigger than the car, but they’re not too big. If you know of a nuclear plant, the old one, you see these big round, uh, domes, uh, they’re, they’re not that big. They’re, they’re much smaller, but they’re not as small as a car. Yeah. And so you could run maybe, uh, a, an AI center with a couple of those or something like that. Is that the idea? They have, you can see some of them. There are examples in Texas where you have the, the center basically is surrounded by small units. Are they generally safer to use, and if so, why is that? Uh, I’m not a nuclear guy. I’m not a physic. I should be careful in it, but I, I, what I understood, they’re safer to use. Also, the material i, i I is not reaching, uh, levels that safer levels than you would need for, for example, for bumps and, and stuff like that. So they’re keeping everything at a safer level. When you step back and look at the whole system and think about. What’s gonna happen in the future? Do you think it’s more likely to be dominated by one energy source or like a diversified mix as we’ve been going through? I believe a diversified mix. I also believe that in some places you will always have fossil fuels. In some places you’ll have a very quick transition to renewables. Uh. Uh, we need to look at the system view. In some places it’s easier to clean the dirty fuel. In some places it’s just easier to introduce the, the clean fuel. Uh, some places I do believe you see, for example, developing world does not have the capacity to electrify. We talk about electrification and some people are very enthusiastic about it. You don’t see it in the development world. They don’t, they lack even the US And there is a study in Princeton that came, I think three years ago. Um, if you electrify the whole US today, you need to almost triple the grid capacity. Just understand what the magnitude of money that needs to be invested to get there. Is huge. Now developing countries definitely don’t have it. Even the US doesn’t have that capacity. So, uh, developing countries, I think you might see a lot more biofuels, a lot more, uh, other, uh, substitutes that exist that are easier for them to manage. And then a system view or a more complete view is needed ’cause it’s not. What is the most efficient process? Is what process fits best in a certain area, and, and that will create a lot of heterogeneity, I think. Do you have a sense in the us I mean, what, what do you think ends up being? There’s gotta probably be one, you know, dominant source that it will, will kind of come to friction based on our own. Economics in our own situation. Do you think that’s in the, in the near future? Is that solar, you think? I mean, what, what dominates in the future here? I don’t think you’ll dominate, even in the us you won’t dominate, uh uh. You have regions in the US that are very, uh, windy. Wind farms will be the optimal path. There are places that don’t have any clouds, 350 days a YA year. So solar is perfect there. Solar also creates employment and live view for certain communities so that the employment component is an important part. So you create. Income and, and, and, uh, in, in, in life, in, in economic variability in regions with the renewables, there are other regions that have, uh, a lot of supply of, uh, excess biomass or the capacity to produce a lot of biomass, and that creates them an alternative to use biomass ’cause that’s what brings them. Again, income, which is always important, but it also brings them a feedstock that might be of a, a lot of benefits. Um, and you will have regions that are heavily so heavily invested in fossils that it will never make sense to move away from fossils, but it will make sense to create cleaner fossils through carbon capture and storage in other ways. So I don’t think the US will move into one place or another. Yeah. Um, you know, you often hear discussions about, in the US about, um, our grid being outdated. Tell us sort of at, at a high level, if you wouldn’t mind explaining the issues with the grid and, you know, what, what kind of issues that brings up as we need more energy sources. Just look at the power plants. They were, look at their ages, the age of power plants. Look at and, and then there are a few that were supposed to be retired and now have been extended, but just. That by itself is sufficient to create problems whenever you encounter a natural, uh, extreme event that, uh, stresses the system. Uh, we saw with Sandy in the northeast. The northeast was, a lot of the infrastructure was outdated. Sandy came, the system collapsed. They fixed it now, so they upgraded it. There is, uh, uh. Some of the utility. Again, I’m not, I’m following anecdotal evidence and news, not beyond that, but some of the companies are striving to improve their grid and they are trying to, uh, introduce a more sustainable and reliable system again, ’cause reliability is so important. What does, what does it mean really to even update the grid? I mean, just for people who are not in this space, what does that even mean to upgrade it? You, you, you change the equipment, you upgrade the equipment, you better manage the inter, uh, interaction of trees and, and, and the electricity lines. Uh, you bring electricity lines underground. You also improve a lot of the infrastructure, uh, of the power plants and how they distribute the energy. So this whole infrastructure is being upgraded so it can support. For example, the ai. And that actually is something that the AI might bring as a very positive thing. So it will force the system to, uh, upgrade, to introduce more efficient processes, uh, distribution mechanisms that are more resilient, which I think is important. I hear we’re kind of behind when it comes to this, when you compare it to China. Can you talk a little bit about that? China has a different structure of, or economic structure. So a lot of the, uh, driver, the driver in China is the government and money that the government allocates to these alternative technologies, and that creates a very strong drive for renewables. Eh, China is also a big driver in coal in China, so. It’s basically where the government decides to put the money, and that’s where you see the industry flourish. If you look at the numbers, the investment numbers, China outpaces any country in the world in terms of the value invested per year in the recent years, and, and they’re producing a lot more, a lot more energy than us too. Isn’t that correct? I mean, I, I’ve just been, just in terms of following the AI news, I keep hearing about it. China has no. So many more terabytes than us, uh, of energy, uh, ability. Is is that true? Uh, that I don’t know. I don’t know exactly ’cause, uh, I know they’re producing a lot. I know they are expanding a lot, and I know that in the solar space, for example, they dominate because of that. They’re already, they’re also starting to dominate in the electric vehicle space. Uh, they’re becoming to leaders in those areas. Yes. Um, big picture, I think if you wanted to sort of sum up some of the, you know, major issues that you think that, you know, people like us who are. Investors or you know, just people wanna know what’s happening in the future. Like what, what’s, what’s the message for, for people? I would, I would try to make my house more efficient. I would try to, uh, and it’s important to understand this is not only about, it is about greenhouse gases, but it’s also about if your house is more efficient, you are also paying less money. And that has a lot of benefits to it. Similar logic can follow to the industries and how they work, how, and, and conserving energy is not necessarily coming at the cost of being more or less productive. That’s what we need to understand. You can conserve energy and still produce more. You can become more efficient and you can still, and you can reduce your dependencies on, uh, energy, which I think is important. Dr. Ga Hoffman, thank you so much for being on Wealth Formula Podcast today. Thank you for inviting me. You make a lot of money but are still worried about retirement. Maybe you didn’t start earning until your thirties. Now you’re trying to catch up. Meanwhile, you’ve got a mortgage private school to pay for, and you feel like you’re getting further and further behind. A good news. If you need to catch up on retirement, check out a program put off by some of the oldest and most prestigious life insurance companies in the world. It’s called Wealth Accelerator, and it can help you amplify your returns quickly, protect your. And money from creditors and provide financial protection to your family if something happens to you. The concepts here are used by some of the wealthiest families in the world, and there’s no reason why they can’t be used by you. Check it out for yourself by going to wealthformulabanking.com. Welcome back to the show everyone. Hope you enjoyed it. And, uh, yeah, again, you know, the goal of this show is really to give you, you know, a, a macro look at what’s going on in the world and one of the things that is. Clearly an issue for the United States is energy production. And so, um, you know, stay on top of this stuff. This is, you know, this is where the puck is headed, right? Um, ai, all these things that are, are really, uh, driving the next decade of growth. Really depend on it. Anyway, that is it for me. This week on Wealth Formula Podcast. This is Buck Joffrey signing off. If you wanna learn more, you can now get free access to our in-depth personal finance course featuring industry leaders like Tom Wheel Wright and Ken McElroy. Visit wealthformularoadmap.com.

I've been posting most of my 5K or Bust journey in video shorts, but I've had a few requests to compile them all into one video to watch straight on through.   Watch new episodes of this short content live at… https://www.tiktok.com/@drdavidpowers https://www.youtube.com/@streamsofincomebydrdave   --- Click here to change your life- http://eepurl.com/gy5T3T   Hit me up for a one-on-one brainstorming session- https://militaryimagesproject.com/products/brainstorming-session-1-hour    Check out my Linktree for different ways to rock your world! https://linktr.ee/ruggeddad    Check out the sweet Hyper X mic I'm using. https://amzn.to/41AF4px    Check out my best-selling books: Rapid Skill Development 101- https://amzn.to/3J0oDJ0 Streams of Income with Ryan Reger- https://amzn.to/3SDhDHg Strangest Secret Challenge- https://amzn.to/3xiJmVO This page contains affiliate links. This means that if you click a link and buy one of the products on this page, I may receive a commission (at no extra cost to you!) This doesn't affect our opinions or our reviews. Everything we do is to benefit you as the reader, so all of our reviews are as honest and unbiased as possible. #passiveincome #sidehustle #cryptocurrency #richlife

Most high-achieving women were taught to treat wealth like a finish line—a number that would finally make them feel safe, secure, and enough. But what if money isn't the goal… it's a relationship? In this episode, Elyse shares a powerful reframe that will change how you think about income, self-worth, nervous system regulation, and sustainable wealth. If you've ever hit a financial milestone only to feel anxious, behind, or still not enough—this conversation is for you. Inside this episode:Why goals alone don't create sustainable wealthThe hidden attachment styles you may have with moneyHow your nervous system patterns shape your incomeThe connection between self-worth and net worthPractical tools to regulate your relationship with wealthWealth doesn't respond to pressure. It responds to presence. If you're ready to stop chasing money and start relating to it in a way that creates calm, stability, and expansion—press play.

Are you drifting through life without realizing it? In thissolo episode, I, Dwight Heck, break down how life drift quietly steals direction in your finances, career, relationships, health, and purpose, and I share the four-step clarity process to stop drifting and start livingintentionally.

If your budget drifted over the winter, you're not alone.In this episode of The Financial Mirror, we walk through a practical Spring Budget Reset that helps you restart your finances without guilt, restriction, or starting from zero.Budgets do not usually fail because people are irresponsible. They drift because life changes. Income shifts. Expenses creep in. Automation stops. Tracking fades.This episode shows you how to:• Review your last 30 days of spending without judgment• Simplify your budget categories so your system actually sticks• Restart automation the right way• Avoid the overcorrection trap• Use a fresh month as a clean financial resetThis is not about cutting everything.It is about recalibrating your system.If you've restarted your budget multiple times and it still hasn't stuck, this episode will help you build something simpler and more sustainable.Clarity creates confidence.And confidence compounds.**Support the Stream By Shopping at Our Store** Buy Your Financial Mirror Gear: https://www.thefinancialmirror.org/shop YouTube: https://www.youtube.com/@thefinancialmirrorRumble: https://rumble.com/TheFinancialMirrorFacebook: https://www.facebook.com/thefinancialmirr0rX: https://twitter.com/financialmirr0rInstagram: https://www.instagram.com/thefinancialmirror/Podcast: https://creators.spotify.com/pod/show/thefinancialmirrorIf you are in need of a Financial Coach, don't waste another day of being in debt, not planning for retirement, or simply wondering where your money went each month. Today is the day to take control of your finances and I can help, no issue is too big or too small. Contact me at https://www.thefinancialmirror.org/#InvestInYourself #PersonalFinance #FinancialEmpowerment #personalfinance #financialfreedom #finance #money #investing #financialliteracy #financialindependence #budgeting #debtfreecommunity #financialplanning #debtfree #financialeducation #debtfreejourney #wealth #financetips #business #budget #investment #entrepreneur #moneymanagement #moneytips #stockmarket #financialgoals #invest #motivation #debt #savings #moneymindset #savingmoney #success #TrumpAccounts #InvestingForKids #GenerationalWealth #CompoundingInterest #LongTermInvesting #FinancialLiteracy #MoneyEducation #WealthBuilding #SpringBudgetReset #BudgetingTips #BuildBetterHabits #MonthlyReset #FinancialClarity

Welcome to the fourth episode of Ideas to Income, the podcast series where real entrepreneurs break down how they turned ideas into profitable businesses.What does it really take to turn expertise into income?In Episode 4 of Ideas to Income, we sit down with psychologist turned entrepreneur Daniel Katz, who built a thriving group therapy business from the ground upIn this episode we talk to Daniel Katz a psychologist turned entrepreneur who built a thriving group therapy business from the ground up. Daniel shares the unfiltered story behind his transition from traditional practice to business owner: the doubts, the risks, the pivotal decisions, and the mindset shifts that changed everything. This isn't just about scaling a therapy model. It's about stepping into ownership of your skills, your time, and your future. If you've ever felt the pull to build something of your own, but wondered whether you're “ready” then this conversation could be catalyst to begin your story.How to win friends and influence peopleFutureUCreated by the Podcast Team at the Harris County Public Library.www.hcpl.netPodcast Team Members include: Beth Krippel, John Harbaugh, Mary Mink, Dylan Smith, Sadina Shawver, Gisela Parker, Alinda Mac, John Schaffer, Jennifer Finch, Katelyn Helberg, Darcy Casavant, Darla Pruitt and Nancy Hu

If you feel invisible, you may not be touching your database enough.   On this live call-in episode of Stay Paid, we tackle three powerful business challenges: burnout from doing everything yourself, why listings aren't selling (hint: it's not your marketing), and how to stay top of mind in a competitive market.    From the "treadmill stage" of business to the hard pricing conversations most agents avoid, this episode breaks down practical strategies for leverage, buyer generation, and building referral momentum. If you want to grow without burning out, price listings properly, and create consistent touchpoints that drive referrals, this episode is packed with actionable advice.  

Once upon a time, there was a gold-star-collecting girl who believed hard work guaranteed fulfillment — so she chose medicine.In this deeply personal episode, Tracy Bingaman shares the story behind her burnout, her breaking point, and the decision that changed everything: she didn't quit medicine — she quit martyrdom.After years of overwork, illness, exhaustion, and people-pleasing inside a system that never loved her back, she chose a different path. One where she practices clinically by choice, not obligation, and built a business that gives her autonomy, flexibility, and impact.If you've ever felt trapped in healthcare, questioned your path, or wondered whether there's another way to serve without sacrificing yourself…This episode is your permission slip.Episode HighlightsWhy high achievers burn out fastest in healthcareThe hidden cost of people-pleasing in medicineThe difference between leaving medicine and leaving the systemEarly warning signs your body is burning outHow entrepreneurship creates freedom and impact for cliniciansKeywords: physician associate burnout, PA burnout recovery, healthcare burnout story, clinician entrepreneurship, entrepreneur for healthcare providers, how to leave corporate medicine, part time physician associate, women in medicine burnout, burnout and autoimmune disease, healthcare boundaries, RVU culture, doctor burnout, PA career transition, medical entrepreneurship, income streams for cliniciansWhat You'll Learn in This EpisodeWhy high-achieving clinicians are especially vulnerable to burnout, How corporate medicine subtly reinforces people-pleasing behavior, The difference between quitting medicine and quitting martyrdom, The early warning signs of burnout that most providers ignore, How entrepreneurship can create autonomy, flexibility, and financial margin, Why practicing medicine is one way to serve — not your only way, The mindset shift from RVU-based worth to value-based impact, How to start building something outside the confines of corporate healthcareCore Themes & TopicsPhysician Associate burnout, Healthcare burnout recovery, Women in medicine, Clinician entrepreneurship, Physician Associate career transitions, Boundaries in medicine, Income diversification for clinicians, Part-time clinical practice, Corporate healthcare reform, Identity beyond medicine

If you've felt like selling on Amazon has gotten more demanding lately, you're not imagining it. In this episode, we're breaking down a major shift happening right now in the Amazon marketplace...and why it's actually good news for serious sellers. New data shows a sharp drop in brand-new Amazon sellers, signaling the end of the "dabble and see what happens" era. What's replacing it? A more stable, professional marketplace that rewards consistency, systems, and sellers who treat Amazon like a real business. If you're ready to move from side hustle thinking to full-time momentum, this episode will help you understand exactly what's changed...and how to position yourself to win. Show Notes for this episode - http://www.fulltimefba.com/328 The Full-Time FBA Podcast Page - http://www.fulltimefba.com/podcast Subscribe to the Full-Time FBA Newsletter and get some helpful freebies - http://www.fulltimefba.com/    

Join The FREE Upper Limits Workshop March 10th-12: https://link.shaminataylor.com/breaking-the-upper-limit-workshop In this episode of the Unapologetically Rich Show, host Shamina Taylor explores the crucial link between identity and income potential. If you've ever felt like your financial growth has hit a ceiling, this episode is for you. Shamina shares her experience in helping over 51 women become millionaires and multi-millionaires, revealing the secrets to breaking through financial barriers. She emphasizes that while effective strategies are important, true financial transformation begins with an inner shift. Discover inspiring success stories, including one from Erica, a client who achieved her highest cash month by changing her mindset rather than increasing her workload. Shamina also addresses common limiting beliefs that prevent women from reaching their full financial potential and offers actionable steps to dismantle these obstacles. Whether you're striving for financial freedom or seeking personal growth, this episode provides valuable insights and tools to help you rise higher. Don't forget to hit the follow button and share this episode with every woman who needs to unlock her wealth potential! ✨ This is the shift from hustling to being held by your wealth.

Most budgeting advice assumes you get paid the same amount on the first and the 15th like clockwork. But what if you're self-employed, commission-based, fundraising, running a business, or juggling side hustles?In this episode of The Catholic Money Show, Jonathan and Amanda share the exact system they've used for over 14 years to budget successfully with irregular income. From fundraising missionaries to entrepreneurs, their income has rarely looked the same two months in a row — and budgeting still works.They break down:• The three expense numbers you must know (bare minimum, comfortable, and dream budget)• How to analyze your income patterns without guessing• Why most “budget as you get paid” advice fails irregular earners• The income pad strategy that smooths out feast-and-famine cycles• The powerful “get a month ahead” system that brings real stabilityIf you've ever said, “Budgeting doesn't work because my income is unpredictable,” this episode will show you why that's a myth — and what actually works.Whether your income swings by hundreds or thousands each month, this framework will help you create peace, predictability, and long-term stability.Resources Mentioned:

Stacy Heisey-Terrell's BIO: As a Career Ownership Coach, Stacy helps individuals explore career possibilities that align with who they are and what they want from both their personal and professional lives. After nearly 30 years navigating the corporate rollercoaster in Human Resources across industries including legal, healthcare, insurance, environmental/chemical, local government, and energy, she experienced firsthand the frustrations many professionals face—long hours, broken promises, lack of opportunity, fear of change, and even unexpected layoffs. Those lessons inspired her to take control of her own path, create a balanced lifestyle, and build the work environment she had always envisioned. Now, Stacy brings that experience and passion to coaching others who are ready for a change but aren't sure where to begin. She guides clients toward their "Career 2.0"—a future of greater fulfillment, autonomy, and purpose. Stacy lives in the Philadelphia area with her husband, Christopher, and their four teenage daughters. She holds an MS in Organizational Development and Human Resources Management. Outside of coaching and family life, she dedicates time to her church's food pantry, where she leads teens in serving their community. Life may be messy and wild, but Stacy believes your career doesn't have to be. She's here to help you make work work for you. In this episode, Virginia and Stacy talked about Exiting the Corporate Rat Race The difference between being an employee & becoming an entrepreneur The shift from corporate networking to networking to build a business How to make a living doing Joint Ventures Moving from the passenger seat to the driver's seat of your career Takeaways: Entrepreneurship: Be your whole self Maybe the corporate path isn't your final destination Career ownership starts when you move into the driver's seat Your next chapter may require courage before clarity You can build income by connecting people, not just selling to them Connect with Stacy on her social media accounts to learn more about her work and insights into networking effectively:   LinkedIn URL www.linkedin.com/in/stacyheiseyterrell Facebook URL https://www.facebook.com/people/Stacy-Heisey-Terrell-The-Entrepreneurs-Source/100093328212010/ Website URL www.mylifemybiz.com   Connect with Virginia: https://www.bbrpodcast.com/

In this episode of the Real Estate Pros podcast, host Michelle Kesil interviews Rickey Chavez, a seasoned real estate agent and buy-and-hold investor based in Texas. Rickey shares his journey from corporate America to real estate, discussing his strategies for success, the importance of networking, and the challenges he has faced along the way. He emphasizes the significance of understanding personal financial needs, exploring new markets, and building strong relationships in the industry. The conversation wraps up with practical advice for aspiring real estate agents and insights into the evolving market landscape.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true 'white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a "mini-mastermind" with Mike and his private clients on an upcoming "Retreat", either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas "Big H Ranch"? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

There's a lot you can do to become an entrepreneur, but that doesn't mean you should try it all. Whether you're expanding your side hustle, growing a company, or just dipping your toes into the possibilities of working for yourself, this episode is for you.In this week's episode, we break down why chasing every income opportunity can actually hurt you. Plus, we cover how to find your true mission in entrepreneurship.Today's episode is proudly sponsored by Bluevine—the business bank account we use for The Life You Love Podcast!

What if your income isn't controlled by the market… the weather… or the month on the calendar — but by your perspective?In this fired-up episode of the Loveall Sales Podcast, Brent Loveall breaks down why mindset is the ultimate separator between average and elite in the automotive industry. After one of the dealerships he trains shattered their all-time record — jumping from 120 units to 152 units in the shortest, coldest month of the year — Brent unpacks the real reason behind their success.Spoiler: It wasn't luck. It wasn't traffic. It wasn't “a good month.”It was massive action.From mastering prospecting and generating 30% of your own business… to becoming lethal on the phone in a world where 92% of buyers start online… this episode is a masterclass in ownership, accountability, and execution.Brent also shares:Why February can be your best month everThe power of prospecting orphan customers, service drives, and old leadsHow elite phone skills create competitive dominanceWhy leaders must invest in training if they want elite performanceThe importance of reverse-engineering your monthly goalsHow getting 1% better daily compounds into life-changing resultsPlus, he opens up about the explosive growth of The Loveall Group, partnering with one of the largest automotive groups in the world, and why proof of concept beats hype every time.If you're tired of blaming the market…If you're ready to stop riding the roller coaster…If you want your numbers to go up — consistently —It starts with changing your lens.Because when you change your perspective, you change your actions.When you change your actions, you change your results.And when you change your results… you change your income.Crush March. Believe in yourself. And remember — there are only excuses or results.

In this episode of The Chillpreneur Podcast, I'm sharing the exact tool that helped me build a multi-million dollar business: Profit Planning. This simple yet powerful strategy has been my secret weapon since day one, and it's completely transformed the way I approach growth and revenue in my business.If you've ever felt overwhelmed by all the business advice out there, or wondered what you should actually be focusing on to make more money, this episode is for you. I break down the only three ways to scale your income, walk you through real examples from my own business (including my new Chillpreneur Club), and show you how to use profit planning to create crystal-clear goals and action steps.Join the Chillpreneur Club: https://chillpreneur.co/chillpreneur-club Hosted on Acast. See acast.com/privacy for more information.

In this episode, Travis is joined in-studio by producer Eric to react to viral commentary about the rising cost of living, disappearing opportunity, and the growing sense of economic hopelessness in America. As videos circulate claiming the American Dream is dead, Travis breaks down why mindset, skill development, and entrepreneurship still offer a path forward—even in a difficult economy. Drawing from his own journey of building income over nearly a decade and 1,500+ podcast episodes, Travis explains why giving up is understandable… but never the solution. On this episode we talk about: Why six figures doesn't feel like “wealth” anymore—and what that means for today's economy The growing fear around AI, layoffs, and white-collar job displacement How victim mentality silently sabotages your financial future Why upskilling and value creation are the real income multipliers Entrepreneurship as the modern “great equalizer” in an uneven system Top 3 Takeaways Your future collapses the moment you decide it's impossible. Even if the system isn't fair, believing you have no agency guarantees you won't take action. Income growth is directly tied to value creation. The more valuable your skills are to the marketplace, the easier it becomes to increase your earnings. Entrepreneurship doesn't require becoming a billionaire—it simply creates optionality. Even modest business success can dramatically improve autonomy and quality of life. Notable Quotes “Your future is corrupted once you buy into the lie that you cannot create the future that you want.” “Just because it's not your fault doesn't mean it's not your responsibility.” “The better you get at making money, the easier it is to make money.” Connect with Travis Chappell: LinkedIn: https://www.linkedin.com/in/travischappell Instagram: https://www.instagram.com/travischappell Other: https://travischappell.com  Travis Makes Money is made possible by High Level – the All-In-One Sales & Marketing Platform built for agencies, by an agency.  Capture leads, nurture them, and close more deals—all from one powerful platform.  Get an extended free trial at gohighlevel.com/travis Learn more about your ad choices. Visit megaphone.fm/adchoices

This week in the guest chair, Symone Austin shares her powerful journey from being laid off to building a thriving YouTube platform.After recording and posting her layoff conversation, her video went viral and became the turning point in her entrepreneurial journey. In this episode, she breaks down how she built multiple income streams through YouTube ad revenue, brand partnerships, digital products, virtual assistant work, and strategic financial decisions like bringing on a roommate.If you've been navigating uncertainty, considering content creation, or wondering how to turn a setback into leverage, this episode will show you how.Highlights Include 00:00 – Recording the layoff conversation that changed everything04:30 – Growing from 10K to 60K+ subscribers in one year08:20 – Making $5,900 in one month from YouTube ad revenue13:00 – Cutting expenses and surviving without touching savings18:10 – Turning skills into income: photography, digital products, VA work24:00 – Why personal finance has one of the highest CPMs on YouTube29:00 – Replacing a corporate salary through content creation35:00 – The reality of working 7 days a week as a full-time creator38:00 – Getting a roommate as a financial reset strategy43:00 – Navigating job offers after deciding to go all-inLinks Mentioned in This EpisodeLife and Numbers YouTube ChannelRead Successful Failure by KevOnStageWatch Symone's YouTube video "I Got Laid Off From My 6 Figure Tech Job"Save the Date: Start the Podcast That Builds Your Exit Plan (Friday, March 13)Watch & ListenWatch this episode on YouTube and listen on all podcast platforms:Apple Podcasts: https://podcasts.apple.com/us/podcast/side-hustle-pro/id1126021323Spotify: https://open.spotify.com/show/13qDj08lBR4ymzGhXIKy8tYouTube: https://www.youtube.com/sidehustleproAnnouncementsIf you're ready to build a podcast that becomes your exit plan, attend my next live class: Start the Podcast That Builds Your Exit PlanSave your seat here: https://sidehustlepro.lpages.co/your-first-1000-downloads/Social MediaYouTube: Life and Numbers: https://www.youtube.com/lifeandnumbersInstagram: @lifeandnumbers: http://instagram.com/lifeandnumbersSide Hustle Pro – @sidehustlepro#SideHustlePro Hosted on Acast. See acast.com/privacy for more information.

Live from Joe's mom's basement (where the jokes are free but hospital care apparently isn't), the Stacking Benjamins crew tackles two very real financial stressors: surprise medical debt and a shifting housing market. First up is Amani Vance, who joined the Coast Guard at 19 and soon faced a nightmare scenario. What started as appendicitis escalated to severe sepsis after limited on-base resources and long waits for off-base care. After hospitalization, including treatment for an abscess and eventual appendix removal, Amani received a bill totaling roughly $43,000 to $45,000. And here's where it gets worse. She didn't qualify for VA help because she hadn't yet served 180 days. Accessing Coast Guard records proved difficult. The bill arrived after the care, opaque, overwhelming, and completely disconnected from what she had agreed to or expected. If you're a Stacker, you know this feeling. The stress isn't just the number. It's the lack of clarity. Amani shares how she started researching options, discovered the nonprofit Dollar For through Reddit, and used them to apply for hospital financial assistance. Dollar For helped her complete and submit the required forms, and within weeks, she was approved for 100% financial assistance, wiping out the bill entirely. Joe Saul-Sehy highlights an important takeaway. Nonprofit hospitals are legally required to offer financial assistance. Many for-profit hospitals offer programs, too. Income thresholds are often higher than people assume. The applications can be confusing, which is where advocates like Dollar For can make a huge difference. Instead of locking into $300 to $500 monthly payments for years, Amani walked away debt-free and with a completely different outlook. After Doug drops trivia about the youngest bank robber (yes, really), the crew pivots to housing. A recent Wall Street Journal/Redfin headline suggests the housing market may be tilting toward buyers, with more homes selling below list price and average sales around 8% under asking. Joe and OG break down what that means for Stackers, not in headline hype terms but practical life terms. What You'll Learn: Medical Bills and Financial Assistance: • Why medical debt feels different from other debt • How hospital financial assistance programs work • Why many people qualify but never apply • How nonprofits like Dollar For can help navigate the paperwork • Why you should always ask for itemized bills and assistance options Housing Market: Think Forward, Not Backward: • Why you shouldn't get stuck in your mortgage just because you locked in a low rate • How anchoring to past rates can cloud present decisions • Why negotiating power is shifting and how to use it • The importance of building financial margin when income rises • Smart, low cost staging tactics, including hiring a pro for just an hour of advice • How AI tools can help with pricing and presentation ideas The Big Takeaways: Before paying a massive medical bill, check whether you qualify for assistance. Financial stress often comes from confusion. Clarity is power. Housing decisions should be forward-looking, not emotionally anchored to the past. Margin and flexibility beat perfect timing. This Episode Is For You If: • You're facing medical debt and thought you had no options • You've been putting off dealing with a hospital bill because it feels hopeless • You're stuck in a low rate mortgage and wondering if you should move • You want to understand what's really happening in the housing market • You believe there's always more to the story than the bill or the headline Question for You: Have you ever negotiated or reduced a bill you initially thought was non-negotiable? Share your story in the Spotify comments or The Basement Facebook group. Your experience might help another Stacker avoid paying more than they should. Learn more about your ad choices. Visit podcastchoices.com/adchoices