Podcasts about Income

Your real estate calendar already tells a story about what you're likely to earn months from now. The problem is that most agents are busy running today's transactions without knowing exactly what tomorrow's business needs to produce. In this episode, Tim and Julie Harris break down the Real Plan, a comprehensive business and life planning process that works backward from the life you want to the real estate production required to support it. You'll learn how to determine your actual personal and business overhead, separate required expenses from optional spending, account for taxes and brokerage costs, calculate the income your business truly needs to produce, and translate that number into an annual transaction goal. Tim and Julie also explain why many agents discover they need to sell fewer homes than they originally assumed, why comparing your production to another agent's numbers is meaningless, and how turning your annual transaction requirement into an active-listing target can give your real estate business more leverage and predictability. You'll also hear why your business should serve your personal goals instead of consuming your entire life, why making money doesn't need to be your passion for real estate to be worthwhile, and why now is the time to start creating your plan for 2027. The episode also explains how the Real Plan fits inside Premier Coaching and why knowing your actual numbers should come before creating another generic sales goal. Free training: HarrisRealEstateDaily.comCoaching: PremierCoaching.comJoin eXp + Libertas: WhyLibertas.com/HarrisText Tim Direct: 512-758-0206Opinions are my own and not the views of eXp Realty.Income results are not typical. Individual results will vary.

Builders have homes they need to sell. Real estate agents need transactions. The agents who connect those two problems may have one of the most overlooked opportunities in today's market. Tim and Julie Harris break down what's happening with new-construction inventory, including aggressive mortgage rate buydowns, closing-cost assistance, flex incentives and agent compensation being offered on select homes. But this episode isn't simply about selling new construction. You'll learn why monthly payment often matters more to buyers than purchase price, how resale sellers can compete with builder incentives, why agents need relationships with builder representatives, how old buyer leads may become opportunities again, and how one builder relationship can create buyer transactions, spec-home opportunities and resale seller referrals. Tim and Julie also explain why new construction should be included in your buyer presentation, how agents can find inventory outside the MLS, and how AI can help continuously research properties and opportunities for active buyers. Builders need buyers. Your job is to know the inventory, understand the incentives and become the agent who can connect the two. Free training: HarrisRealEstateDaily.comCoaching: PremierCoaching.comJoin eXp + Libertas: WhyLibertas.com/HarrisText Tim Direct: 512-758-0206Opinions are my own and not the views of eXp Realty.Income results are not typical. Individual results will vary.

Most people can name the last time more money genuinely changed their life. What almost nobody can explain is why it stopped, or why they kept chasing the next number anyway. Jason opens with a scene from his last year teaching school, doing budget math at a McDonald's counter while his son hunted for the most expensive thing on the menu. Then he traces what happened after the money showed up: a thirty-eight thousand dollar teaching salary, an eighteen thousand dollar first check that he still remembers in his chest, and a six hundred eighty-six thousand dollar second check that eventually stopped feeling like anything at all. He walks through the research that finally settled the income-and-happiness argument, including why every equal gain in how your life feels now requires doubling your income rather than adding to it. Then he gets to the part that costs the most: the breathing room you're chasing can't be purchased, because the chase itself is what took it from you. Two questions, ten minutes, one piece of paper. Most people find the gap between their answers embarrassing. Read the full post: https://therealjasonduncan.com/articles/390 Book a call with Jason: https://therealjasonduncan.com/talk New episodes every Wednesday. Full blog post: https://therealjasonduncan.com/articles/390 Episode page: https://therealjasonduncan.com/podcast/390 Book a call with Jason: https://therealjasonduncan.com/talk Sponsor – Bank on Yourself: https://therealjasonduncan.com/bankonyourself Kahneman & Deaton (2010), "High income improves evaluation of life but not emotional well-being," PNAS Killingsworth (2021), "Experienced well-being rises with income, even above $75,000 per year," PNAS Killingsworth, Kahneman & Mellers (2023), "Income and emotional well-being: A conflict resolved," PNAS: https://www.pnas.org/doi/10.1073/pnas.2208661120 Instagram: https://instagram.com/therealjasonduncan YouTube: https://youtube.com/therealjasonduncan Subscribe to What's Real? – Jason's weekly newsletter: https://therealjasonduncan.com/articles Learn more about your ad choices. Visit megaphone.fm/adchoices

EPISODE 760 - Bill Haase - Our Mindset on Money - It's Easy to Control, So Why, Impact over IncomeIn this episode, Bill Haase shares a deeply personal and practical conversation about money, mindset, and the life experiences that shape how we handle both. Drawing from decades in finance and his own financial سقوط and recovery, Bill brings a grounded perspective to a topic many people avoid discussing.Bill explains how his work intersects with broader mindset principles, especially through partnerships that address both the emotional and financial sides of major life transitions like leaving the military. He highlights that money concerns and mental well-being are often tightly connected, and addressing both is key to long-term stability.A major theme in this conversation is the reality that writing a book or building credibility is just the beginning. Bill emphasizes that success comes from treating your work as a tool, not just a title, and being prepared to promote, refine, and build a team around your efforts.He opens up about a pivotal moment in his life when a series of financial setbacks led to losing his home. Rather than avoiding responsibility, Bill chose to face the consequences, learn from the experience, and rebuild. That journey now fuels his mission to teach financial literacy and help others avoid similar pitfalls.Throughout the episode, Bill challenges common financial habits. He breaks down the difference between good debt and bad debt, explains how everyday spending decisions quietly drain resources, and highlights how perception and status often drive poor financial choices. From car loans to daily coffee purchases, small decisions compound into long-term consequences.Bill also explores practical strategies for regaining control, including understanding your spending through budgeting and choosing a debt repayment method that works for you. More importantly, he emphasizes awareness, questioning purchases, and shifting from impulsive spending to intentional decision-making.At its core, this episode is about freedom. Bill makes a compelling case that when you take control of your finances, you reduce stress, improve relationships, and open yourself up to a fuller experience of life. Financial literacy is not just about money, it is about clarity, confidence, and creating space for what truly matters.Key takeaway: When you take control of your money with awareness and intention, you gain control of your life, your choices, and your future.https://billhaase.com/Support the show___https://livingthenextchapter.com/podcast produced by: https://truemediasolutions.ca/Coffee Refills are always appreciated, refill Dave's cup here, and thanks!https://buymeacoffee.com/truemediaca

Your TSP monthly income balance may look substantial—but how much monthly retirement income can it actually provide?In this video, Charles explains how federal employees can turn a TSP balance into a practical monthly paycheck. You'll learn how to calculate the gap between your retirement income and real expenses, establish TSP installment payments, and account for taxes, inflation, and market risk before making withdrawals.━━━━━━━━━━━━━━━IN THIS VIDEO YOU CAN LEARN━━━━━━━━━━━━━━━- Why your TSP balance alone doesn't tell you whether you're retirement-ready- How to calculate the gap between your income and monthly expenses- Why some retirees spend more—not less—after leaving work- How TSP installment payments can create a monthly income stream- How inflation, taxes, and investment choices can affect your income- Why a bad market year early in retirement can create lasting problemsWhat monthly income do you expect your TSP to provide in retirement? Share your target below.━━━━━━━━━━━━━━━START HERE━━━━━━━━━━━━━━━Apply for a Retirement Consultation:https://apply.cdfinancial.org/6a694299bad1c9a176cdc79f/Get the Digital Federal Retirement Guidebook:https://cdfinancial.org/being-a-federal-employee-book/Subscribe for Weekly Federal Retirement Planning Content:https://cdfinancial.com/newsletter━━━━━━━━━━━━━━━TIMESTAMPS━━━━━━━━━━━━━━━0:00 Turning Your TSP Into a Monthly Paycheck0:35 It's Not About Your Balance—It's About the Gap1:01 What Your Real Monthly Expenses Look Like1:47 The Free Monthly Expenses Worksheet2:35 Why Retirees Often Spend More, Not Less3:17 How to Set Up TSP Monthly Payments4:04 The Blind Spots: Inflation, Taxes, and the G Fund4:52 One Bad Market Year Early in Retirement5:11 Watch Next: Should You Still Own Stocks After Retirement?━━━━━━━━━━━━━━━WHO WE ARE━━━━━━━━━━━━━━━CD Financial helps federal employees and retirees make smarter decisions around FERS, TSP, FEHB, taxes, and retirement income planning—where health meets wealth.━━━━━━━━━━━━━━━IMPORTANT DISCLAIMER━━━━━━━━━━━━━━━Advisory services are offered through CD Financial LLC dba CD Financial, an Investment Advisor in the State of California. Insurance products and services are offered through CD Financial & Insurance Services LLC, an affiliated company.This content is educational only and is not financial, legal, tax, or investment advice. TSP withdrawal options, tax consequences, investment risks, and retirement-income needs depend on your individual situation and may change. Verify current TSP rules at TSP.gov and consult qualified financial and tax professionals before acting. CD Financial is not affiliated with or endorsed by the Thrift Savings Plan or any federal agency.#TSP #FederalRetirement #RetirementIncome #FERS #ThriftSavingsPlan #CDFinancialSupport the show

RHOBH's new season is well underway but rumors of newbies going has resurfaced. Tracy Tutor may be in but we cannot get over Morgan Stewart as a Real Housewife of Beverly Hills. Bethenny Frankel claims she makes more as a Supermodel, Influencer and cafe owner than she ever did at Skinnygirl despite its rumored sale for $120M. Madonna wins big with eleven - the most - VMS nods. Last, but not least, as new franchises form and old ones die a slow death, we wonder, can Real Housewives really go on forever? @stylelvr @behindvelvetrope @davidyontef BONUS & AD FREE EPISODES Available at - www.patreon.com/behindthevelvetrope  BROUGHT TO YOU BY: WAYFAIR - wayfair.com (Join Wayfair Rewards Today To Get 5% Back On Every Purchase & Start Saving On Your Next Home Upgrade)  POM - pomwonderful.com (Check Out POM Wonderful Antioxidant Super Teas)  INDEED - indeed.com/PODCAST (Seventy Five Dollar $75 Sponsored Job Credit To Get Your Job The Premium Status It Deserves)  PROGRESSIVE - www.progressive.com (Visit Progressive.com To See If You Could Save On Car Insurance) MOOD - www.mood.com/velvet (20% Off With Code Velvet on Federally Legal THC Shipped Right To Your Door)  LOLA BLANKETS - lolablankets.com (Use Code VELVET To Get 40% Off The Most Comfortable Blankets Ever!)  QUINCE - quince.com/velvetrope (Get Free Shipping and 365 Day Returns to As You Indulge In Affordable Luxury)  SMILESET - smileset.com/velvet (Get 35% Off The Smile Of Your Dreams) ADVERTISING INQUIRIES - Please contact David@advertising-execs.com MERCH Available at - https://www.teepublic.com/stores/behind-the-velvet-rope?ref_id=13198  Learn more about your ad choices. Visit megaphone.fm/adchoices

Get the FREE GUIDE to 10 Nonclinical Careers at nonclinicalphysicians.com/freeguide. Get a list of 70 nontraditional jobs at nonclinicalphysicians.com/70jobs.                                                                                                 =============== Dr. Bart Kaczmarek is a family physician in Windsor, Ontario, who built a system to solve a problem most physicians just accept: wasted time, broken team coordination, and a practice that runs the physician rather than the other way around. He now sees 80 patients a day, bills five times the Ontario family practice average, and is home by 4:30PM. In this episode, he walks through the framework he developed to reorganize a family practice without extra funding, and the software tool, DoctorFlow. He built it out of necessity and now offers it to other clinics. Both apply to physicians practicing in the US and Canada. The free CRAFT manuscript and more information on DoctorFlow are in the show notes, and links are available at nonclinicalphysicians.com/great-income-with-no-burnout/.

How much should you really have in an emergency fund? The traditional 3 - 6 month emergency fund rule is a useful starting point, but it may not reflect your household's actual financial risk.In this episode of The Financial Mirror, I introduce the Emergency Fund Stress Test, a different way to determine how much emergency savings your household may actually need.Two households can spend exactly the same amount every month and still have very different levels of financial risk.That's the blind spot in the traditional three-to-six-month rule.Instead of simply asking whether you have three months or six months saved, we'll look at the factors that determine what your emergency fund actually needs to protect:o Income stabilityo Income recovery timeo Household dependenceo Essential monthly expenseso Continuing household incomeo Monthly cash-flow shortfallo Additional financial exposureYou'll also see a practical example showing how a household with $3,900 in essential monthly expenses, $1,000 in continuing income, and a five-month recovery period could arrive at an emergency-fund target of roughly $18,000.We also discuss the difference between an emergency fund and sinking funds, why predictable irregular expenses shouldn't constantly drain your emergency savings, and how to build your target gradually without feeling like you need the entire amount overnight.The goal isn't to reject the traditional 3–6 month emergency fund rule.It's to stop treating the range as the entire analysis.The rule gives you a range. The stress test gives the number a reason.Because your emergency fund isn't a savings trophy.It's a financial shock absorber.Subscribe to The Financial Mirror for practical financial education focused on better financial structure, stronger money habits, and clearer long-term decisions.Support The Financial MirrorFinancial Mirror Gear:https://www.thefinancialmirror.org/shopYouTube: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/thefinancialmirrorFinancial CoachingIf you need help getting out of debt, planning for retirement, building a working budget, or understanding where your money is going each month, learn more about financial coaching at:https://www.thefinancialmirror.org/#EmergencyFund #PersonalFinance #EmergencySavings

My guest is Joe Liemandt, technology entrepreneur and principal of Alpha School, a K-12 model that uses AI and individualized learning to help students master academics in just two hours a day, freeing the rest of their time to build businesses, conduct experiments, engage with their communities, and develop practical life skills. We discuss Alpha's promising results, tools parents and educators can use today, and Joe's vision for how AI could transform education and human potential. Show notes: https://go.hubermanlab.com/296-joe-liemandt Pre-order Protocols: https://protocolsbook.com Huberman Lab live events: https://www.hubermanlab.com/events Thank you to our sponsors AG1: https://drinkag1.com/huberman David: https://davidprotein.com/huberman Lingo: https://hellolingo.com/huberman Helix Sleep: https://helixsleep.com/huberman LMNT: https://drinklmnt.com/huberman Timestamps (00:00:00) Joe Liemandt (00:03:16) History of Traditional Classroom Model; Education Milestones (00:08:08) Sponsors: David & Lingo (00:10:25) Alpha School, High Standards & Support (00:22:33) Effective Support, Academics vs Athletics; Homeschooling (00:30:03) AI, Individualized Learning & Mastery (00:34:31) Teacher Education, Standardized Tests, Role of School (00:40:52) Sponsors: AG1 & Helix Sleep (00:43:42) AI, Scaffolding Learning, Mastery; Working Memory & Fluency (00:52:41) Working Memory, Focus; Gifted Kids (01:00:30) Basics Mastery, Grade Level Catch-Up, Individualized AI Lessons & Pace (01:06:57) Sponsor: LMNT (01:08:17) Shame, Motivation, Growth Rate; Overcoming Mental Blocks & Paying Kids (01:20:55) Suffering & Motivation, Kids Goals, Sports; Doing Hard Things (01:31:21) Founders High School, Life Skills; Kids' Goals (01:42:44) Reimagining Classroom Education (01:47:21) Importance of Building & Creating, AI & Humanity (01:58:04) Science & Redesigning Experiments, Kids' Interest-Led Projects (02:05:26) Huberman Lab Live Events (02:06:14) Learning Predictors, Gender, Income; Redesigning the School System (02:18:32) Success; Sports Academy, Alpha School Expansion (02:28:36) Acknowledgements (02:31:07) Zero-Cost Support, YouTube, Spotify & Apple Follow, Reviews & Feedback, Sponsors, Protocols Book, Social Media, Neural Network Newsletter Disclaimer & Disclosures Learn more about your ad choices. Visit megaphone.fm/adchoices

Saving six figures on a low salary sounds impossible until someone shows you the timeline. Let Andrew walks you through every one of them in order. 

Paying off your mortgage can feel like one of the clearest signs of financial freedom. I understand the appeal. For many families, that monthly payment represents pressure, obligation, and dependence on someone else. That is exactly why Velocity Banking can sound so compelling. Use a home equity line of credit to attack the mortgage balance, run your income through the line, reduce the total interest you pay, and get the house paid off faster. On paper, the math can work. That is not really where Bruce and I disagree. https://www.youtube.com/watch?v=C6N3lnog3PY What I want you to look at is what happens to your control of capital while you are doing it. A HELOC gives you access to credit under a bank's contract and lending rules. Infinite Banking starts from a different premise: build capital first, then use the policy's loan provision to access capital against what you have already built. Both strategies can involve borrowing. Both require disciplined behavior. But they are not the same financial system. And I want to say this up front: we are not anti-HELOC. A HELOC can be a useful financial tool. The purpose of this conversation is not to tell you that using one is automatically wrong. It is to help you see the structural tradeoffs clearly, especially if you are thinking about making a HELOC the center of your banking strategy. When you are thinking beyond one transaction, about the opportunities you want to pursue, the people you want to provide for, and the financial strength you want to build for your family, that distinction matters. Key TakeawaysWhat Velocity Banking Actually DoesPaying Less Interest Is Not the Only Financial ObjectiveA HELOC Gives You Access to Credit. That Is Not the Same as Controlling Capital.Home Equity Is Valuable, but It Is Not Liquid CapitalWhat Infinite Banking ChangesThe Ownership Question MattersA Different Way to Think About Paying Off the MortgageThe HELOC Draw Period Deserves Attention From the BeginningInfinite Banking Has Tradeoffs TooThe Bigger Question Is Who Controls the Capital Key Takeaways Velocity Banking can accelerate mortgage payoff, but the HELOC itself does not create the savings. Your cash flow and additional principal reduction do the work. Home equity is a real asset, but it is not the same as liquid capital. Turning it into spendable cash requires a sale or another financing decision. A HELOC gives you access to bank credit. Your continued access to unused credit remains subject to the lender's contract and applicable rules. Infinite Banking requires capitalization first. Policy loans charge interest and have to be managed responsibly. Our preference for Infinite Banking is about building a capital system around liquidity, contractual guarantees, long-range behavior, and control, not pretending every bank loan is bad. Before you ask how fast you can eliminate your mortgage, ask what position your capital will be in while you are getting there. DimensionHELOC (Velocity Banking)Infinite BankingWhere the capital comes fromA bank's credit line against your home equityCapital you build first inside a participating whole life policyGetting access to itThe bank approves the line; access to unused credit stays subject to the lender's contract and rulesThe policy's loan provision, based on the contract and available loan value — not income, credit score, or home valueWho controls continued accessThe lender, which may freeze or reduce the line in defined circumstances (per the CFPB)You, within the terms of the policy you ownCost of borrowingCommonly a variable rate that can change over timePolicy-loan interest (not free money); an unpaid loan can reduce the death benefitLiquidity of the underlying assetHome equity is real but not spendable until you sell, refinance, or borrow against itA capital base designed to stay liquid, accessible, and deployableUnderwriting each time you use itSet when the line is established; future refinancing depends on conditions at that timeNo bank-style underwriting each time you use the loan provisionYour relationship to the institutionYou are the bank's customerYou participate in a mutual insurer as an eligible policyholder (dividends are non-guaranteed)The main tradeoff to weighAccess can tighten at exactly the moment you need itYou must capitalize the policy first, and give it timeHELOC vs. Infinite Banking at a glance What Velocity Banking Actually Does Velocity Banking uses a revolving line of credit, often a HELOC, as part of a mortgage-payoff strategy. The basic mechanics are straightforward. You open a HELOC against available equity in your home. You use some of that credit to reduce or replace mortgage debt. Then you direct income into the HELOC and use the line again for living expenses. If more cash flows into the line than flows back out, the balance declines. That can reduce the total interest you pay and shorten the payoff timeline. But here is the part I do not want you to miss: your surplus cash flow is paying down principal. The HELOC changes the path the money takes. It does not create the surplus. Bruce said it very simply in our conversation: your behavior is more important than the strategy. If your income is steady, your spending stays disciplined, rates cooperate, and you follow the plan consistently, the model can look very compelling. But life is not an illustration. Income changes. Businesses have slow seasons. Families face expenses they did not plan for. And sometimes an opportunity shows up at exactly the moment you were not expecting it. That is why I want a financial strategy to be evaluated by more than how it performs when everything goes perfectly. I also want to know what options it leaves you when life does not follow the spreadsheet. Paying Less Interest Is Not the Only Financial Objective One of the strongest arguments for Velocity Banking is something we actually agree with in principle: the interest rate by itself does not tell you the total cost. A higher rate on a balance that falls quickly can, in some circumstances, produce less total interest than a lower rate carried for decades. Looking only at the rate can give you an incomplete picture. But looking only at interest saved can do the same thing. I understand why people see the amount of interest on a long mortgage schedule and immediately think, "I need to get rid of this as fast as possible." That reaction makes sense. Nobody is trying to pay a bank more interest than necessary. The question I want you to add is: what else is happening to that dollar while you are paying down the house? Every extra dollar of principal you put into the four walls of your home increases your equity, but that dollar is no longer liquid. To turn home equity back into spendable cash, you have to sell, refinance, or borrow against the property. There is also an opportunity cost. Could that same dollar have strengthened your reserves? Funded your business? Put you in position for an investment opportunity? Built capital somewhere that remained accessible to your family? A paid-off home may absolutely be part of your financial plan and part of your legacy. But so is the financial capacity you preserve along the way. For me, that is the bigger conversation. We are not simply trying to win an interest calculation. We want each decision to strengthen the whole financial system. A HELOC Gives You Access to Credit. That Is Not the Same as Controlling Capital. This is the distinction at the center of the episode. When you have a HELOC, a bank has agreed to extend credit to you against the equity in your home. That credit can be incredibly useful, but it is still a lending relationship. The bank decides whether you qualify when the line is established. Your available credit exists under the agreement, the value of the collateral, and the lending rules that apply to the account. HELOCs also commonly have variable interest rates, so the cost of borrowing can change over time. Some products offer fixed-rate features, but the details depend on the lender and the contract. The other issue is access. An unused credit line is not the same thing as cash you already control. The Consumer Financial Protection Bureau explains that a lender may freeze additional advances or reduce a HELOC in certain circumstances, such as a significant decline in the home's value or a material change in the borrower's financial condition. That does not mean a bank can simply demand repayment of every HELOC whenever it wants. Bruce was careful about that distinction in our conversation, and I want to be just as careful here. It means your continued access to unused credit is not entirely yours to decide. If your financial strategy depends on that line staying open and available, that matters. You are still a customer of someone else's bank. Home Equity Is Valuable, but It Is Not Liquid Capital Owning more of your home is not a bad thing. A paid-off home can be a meaningful goal. But we need to distinguish between having equity and having capital you can deploy. Your home's equity is real. The house is an asset. But if you want to use that equity without selling the property, a lender usually has to become part of the decision again. That is why Bruce and I kept coming back to the image of money being stored inside the four walls of the house. You can put more money in by paying down principal. The harder question is how easily you can get that money back out when you need it, and on whose terms. If your primary financial objective is to pay off the house as fast as possible, you may be directing a large share of your available cash into an asset that is not immediately deployable. At the same time, you may be delaying your ability to build a capital base somewhere else. For me, financial freedom includes having capital that is growing,...

In this episode, hosts Corey Janoff and Rachelle Vanderzanden walk through the hidden expenses that can derail your financial plan. While meticulous budgeting is not necessary for most high-income individuals, it can be helpful to “expect the unexpected”. Hidden or Unexpected Expenses Can Include: Large inflation-related adjustments to things like property taxes and insurance. Deferred home maintenance that hits all at once. Sometimes it's challenging to be prepared for large costs that only hit once a decade. Supporting children as they get older. Sometimes this is by choice, but sometimes it feels necessary! Could range from continued education, helping with grandkids, to paying for the entire family to go on vacation. Divorce… Not something you plan for, but certainly has a huge financial impact for all parties. Lifestyle creep in early retirement. Increased healthcare expenses with age. Especially as you plan for retirement, make sure to build some buffer into your expected income needs!  If you think you may need $15,000 per month for regular expenses, be prepared to need more periodically for the big things that only happen occasionally.  Listen to the full episode to hear more. For more financial planning tips from Corey and Rachelle, find them on social media! LinkedIn: @CoreyJanoff; Instagram: @CoreyJanoff and @VanderzandenRachelle; and Twitter: @CoreyJanoffCFP Discussions in this show should not be construed as specific recommendations or investment advice. Always consult with your investment professional before making important investment decisions. Securities and advisory services offered through LPL Financial, a registered investment advisor, Member FINRA/SIPC.  Finity Group, LLC is a separate entity from LPL Financial.  Finity Group and LPL Financial do not provide legal advice or tax services.  Please consult your legal advisor or tax advisor regarding your specific situation. This material is for general information and educational purposes only and is not intended to provide specific advice or recommendations for any individual. Finity Group and LPL Financial do not provide legal advice or tax services. Please consult your legal advisor or tax advisor regarding your specific situation.   Citations: Employee Benefits Security Administration.  “Top 10 Ways to Prepare for Retirement.” U.S. Department of Labor.  https://www.dol.gov/agencies/ebsa/about-ebsa/our-activities/resource-center/publications/top-10-ways-to-prepare-for-retirement   Hughes, Carol R., Ph.D. LMFT, and Bruce R. Fredenburg, M.S., LMFT.  “Why the Divorce Rate for Older Couples Continues to Rise.”  Psychology Today. January 21, 2026.  https://www.psychologytoday.com/us/blog/home-will-never-be-the-same-again/202108/why-the-divorce-rate-for-older-couples-continues-to   Ochieng, Nancy, Juliette Cubanski, Tricia Neuman, and Anthony Damico.  “Health Costs Consume a Large Portion of Income for Millions of People with Medicare.” KFF.  August 21, 2025. https://www.kff.org/medicare/health-costs-consume-a-large-portion-of-income-for-millions-of-people-with-medicare/   Palasciano, Adam.  “How Much to Budget for Home Maintenance”.  Investopedia.  May 22, 2025.  https://www.investopedia.com/home-maintenance-budget-8608913   Strange, William.  “How much should high earners save for retirement each year?”  Milliman.  November 13, 2025.  https://www.milliman.com/en/insight/how-much-should-high-earners-save-retirement

Data came out saying Florida renters need about $77,500 a year to afford a modest two-bedroom rental.That sounds like bad news for Florida real estate investors. But is it really? Jacksonville, Miami, Tampa, Orlando, and South Florida all tell very different stories when you compare rents, prices, and investment economics.After signaling a potential rate increase in September, rates dropped in August. Should investors wait, or act now while options like JWB's 3.9% financing are still available?These are the topics that JWB's cofounder, Gregg Cohen, and host, Pablo Gonzalez will tackle on this week's edition of the Not Your Average Investor Show.They'll break down:✅ What the $77,500 Florida renter number is really signaling✅ Why Jacksonville may not move like Miami, Tampa, Orlando, or South Florida✅ Why rates dropped when a possible September rate hike was what was predicted✅ How JWB's limited 3.9% financing offer could change the math on a rental property todayWhat does it all actually mean for investors right now? And is waiting the smarter move… or the riskier one? Listen NOW!Chapters:00:00 Florida Rent Shock02:04 Renters Boost Credit03:34 How Rent Reporting Works05:26 Affordable Housing Groundbreaking05:51 LIHTC Explained08:00 Why This Deal Matters11:02 JWB Cares Fundraising Update12:05 Is Florida Unaffordable?14:16 Florida Markets Compared17:09 Jacksonville Rent Advantage18:39 Income vs Rent Burden24:53 Home Prices and Cost of Living26:22 Miami Cost Shock26:44 Population Growth Runway30:21 Jacksonville Bubble Explained31:55 Separating Headlines From Data34:14 Why Big Markets Only36:00 Fed Dot Plot Reset38:52 Rate Probabilities Whiplash41:43 Stop Sitting On Sidelines43:58 Boring Buy And Hold Wins46:16 Deal Breakdown Ottawa Avenue50:54 Wrap Up Community Q And AStay connected to us! Join our real estate investor community LIVE: https://jwbrealestatecapital.com/nyai/Schedule a Turnkey strategy call: https://jwbrealestatecapital.com/turnkey/ *Get social with us:*Subscribe to our channel  @notyouraverageinvestor  Subscribe to  @JWBRealEstateCompanies  

Carter Braxton Worth, CEO of Worth Charting, explains the strategy behind the Worth Charting Options Income ETF (WRTH), which never owns stocks and instead sells strangles to profit from options premium decay. He targets stocks that have made big directional moves followed by consolidation, while avoiding volatile sectors like biotech and small-caps and carefully sidestepping earnings-related risks.======== Schwab Network ========Empowering every investor and trader, every market day. Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/ About Schwab Network - https://schwabnetwork.com/about

The U.S. national debt has crossed $40 trillion — but what does that actually mean for everyday Americans? In this episode of Dollars & Sense, Joel Garris and Zach Keister of Nelson Financial Planning break down the headlines in plain English and explain why the debt conversation is important, but not necessarily a reason to panic.They also discuss one of the most common retirement planning questions: How much can you really spend in retirement without running out of money? From the well-known 4% rule to more flexible retirement income strategies, Joel and Zach explain why retirement spending should be personalized, adaptable, and based on real life — not just a single percentage.Finally, they introduce the concept of a Financial Death Box: a centralized place to organize important documents, account information, insurance policies, passwords, and instructions for loved ones. While the name may sound intimidating, this simple planning tool can be one of the most thoughtful gifts you leave your family.In this episode, we discuss:What America's $40 trillion debt milestone meansWhy debt-to-GDP mattersHow national debt can affect interest rates, taxes, and future planningThe 4% rule and why retirement withdrawal rates should be flexibleWhy many retirees may spend less as they ageHow to organize a Financial Death BoxWhy planning ahead can create confidence for you and your familyWhether you're preparing for retirement, thinking about your financial plan, or simply trying to make sense of today's headlines, this episode offers practical perspective and actionable takeaways.

Send us Fan MailThis shorty is a checklist episode where we walk through the nine things (plus a bonus tenth) we do every single time between placing a vacancy ad and getting a prospective tenant through the door for a showing. It's also a preview of what's coming in our upcoming course, From Marketing to Move In.In This Episode:•  Writing an ad detailed enough that prospects can pre-qualify themselves before they call•  Why photos are a form of communication, not decoration (callback to Episode 124)•  The prescreening questions that come before every application or showing•  Income, credit, guarantee standards — and why consistency is what protects you•  Why they keep initial contact on the listing app, then move to text once prescreening's done•  Scheduling showings back to back, and running a first-come, first-qualified process•  The one-hour confirmation text that ended their no-show problem•  What to do (and not do) during the showing itself•  Everything that belongs on your property information flyer•  Bonus: the 24-hour follow-up text that tells you who's actually interestedMentioned in This Episode:•  Episode 124: Shop Talk — The Importance of Rental Property Photos•  Join the waitlist for From Marketing to Move InDoorLoopTurboTenantEZ Landlord Forms Affiliate Disclosure: This episode may contain affiliate links. Your Landlord Resource may earn a commission if you purchase through our links, at no additional cost to you. We only recommend products and services we believe in.Legal Disclaimer: Nothing in this episode constitutes personalized legal or financial advice. Always consult a licensed real estate attorney or CPA for guidance specific to your state, city, and situation.Connect with Us: 

When an upfront annuity bonus looks too good to be true, it usually is—and the real cost can be buried in massive surrender charges and hollow promises. In this episode, you'll hear a blunt breakdown of the fixed index annuity bonus churning strategy and how to protect yourself from it.   In this episode, The Annuity Man discussed:  Dangers of upfront bonuses in fixed index annuities How bonus churning and flipping annuities harm consumers Surrender charges and predatory sales practices Why contractual guarantees matter more than hypothetical growth Practical steps to evaluate annuity offers and avoid scams   Key Takeaways:  Upfront bonuses on fixed index annuities are rarely "free money"; they're typically funded by giving up value somewhere else in the contract, such as lower income payouts. Moving from one annuity to another just to chase a bigger bonus often leads to large surrender charges and usually only benefits the agent through new commissions. Any annuity recommendation should be justified by clear, contractual improvements—not by hypothetical projections, marketing hype, or emotional persuasion. In most cases, it is better to use available penalty-free withdrawals than to accept a huge surrender charge just to enter a new "bonus" product. Annuities should be purchased for their contractual guarantees, not as growth vehicles, and any offer that sounds too good to be true almost always is.   "Most upfront bonuses go to the income account, not the walkaway account. Income account's monopoly money." —  Stan The Annuity Man   Connect with The Annuity Man:  Website: http://theannuityman.com/  Email: Stan@TheAnnuityMan.com  Book: Owner's Manuals: https://www.stantheannuityman.com/how-do-annuities-work YouTube: https://www.youtube.com/channel/UCCXKKxvVslbeGAlEc5sra2g  Get a Quote Today: https://www.stantheannuityman.com/annuity-calculator!

Filling your caseload in private practice: some say it happened really fast, some say it took forever & neither answer is particularly useful. In today's Ask Abundance, I'm joined by Rebecca Smith & we're getting into what a realistic timeline actually looks like, what factors move the needle most, & why the answer is so much more in your control than you think.  Sponsored by TherapyNotes®: Looking to switch EHRs? Try TherapyNotes® for 2 months free by using promo code ABUNDANT at therapynotes.com. Need help filling your practice? Check out the Abundance Party (only $345 -or- $69/mo with a 6-month minimum commitment!). Included are courses, monthly trainings with industry experts, monthly group calls with me and opportunities to snag a free 30-minute 1:1, scripts, templates, and so much more: https://www.abundancepracticebuilding.com/party   Still struggling to explain what you do and who you help? My $27 Know Your Niche course helps you get crystal clear on your ideal client so your marketing finally clicks, your referrals improve, and growing your practice feels a whole lot easier: https://www.abundancepracticebuilding.com/niche  Grab the free worksheet mentioned in today's episode at www.abundancepracticebuilding.com/worksheet_opt.

In this episode of the BiggerPockets Money Podcast, Dave shares how he and his family went from no real savings to building more than $1 million in net worth in just seven years while raising five kids on a median income. Dave explains how he used side hustles, aggressive saving, minimalism, DIY skills, and strategic investing to dramatically improve his family's finances.  Dave also shares how paying off the mortgage, investing in tax-advantaged accounts, controlling major expenses, and having regular money conversations with his spouse helped transform their financial trajectory. His story offers practical lessons for anyone trying to build wealth, increase their savings rate, and create more financial freedom without needing an enormous income. To go beyond the podcast: Interested in a Flat Fee Financial Planner? Go to biggerpocketsmoney.com/fipro Get 50% Off Your First Year of Monarch by using code ‘Pockets': https://www.monarch.com/pockets Follow BiggerPockets Money on Social: Facebook: https://www.facebook.com/groups/BPMoney Instagram: https://www.instagram.com/biggerpocketsmoney Connect with Dave: http://www.davesguitarmusic.com/ We believe financial independence is attainable for anyone no matter when or where you're starting. Let's get your financial house in order! Learn more about your ad choices. Visit megaphone.fm/adchoices

Today on AirTalk: CA's many legal battles (0:30) Income disparities in relationships (20:27) Mokja (37:31) FilmWeek (51:40) Remembering Tim Curry (1:33:40) Visit www.preppi.com/LAist to receive a FREE Preppi Emergency Kit (with any purchase over $100) and be prepared for the next wildfire, earthquake or emergency.

AnyDesk: Get Remote Access Set Up Today at https://anydesk.com/ich DeleteMe: Get 20% off your DeleteMe plan when you go to https://joindeleteme.com/ich and use promo code ICH at checkout. Even Realities: Go to https://evenrealities.bio/icedcoffee and use code ICEDCOFFEE for 10% off Even R1 and/or Even Clip when you add them to your Even G2 order AG1: For a limited time, save 20% on your first subscription order of AG1 Next Gen or AG1 Pro at https://drinkag1.com/ich Follow John Morgan: http://www.forthepeople.com/ Instagram Morgan and Morgan: https://www.instagram.com/forthepeople/?hl=en *

Stop cutting expenses and start cutting checks - Rabbi Nachman's tips on how to expand your income

In this episode, Adam Young of Capital City Home Loans shares insights on the Florida real estate market, construction perm financing, building client relationships, and scaling a mortgage business across multiple states.   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   —--------------------

Curious? Take The Free Money Stress Quiz!Ready? Buy Our Simplified Budget System Now!Budget besties, this episode is all about taking charge of your money instead of letting someone else—or a chaotic system—make the decisions for you.We're sharing two real-life lessons from our coaching sessions that show just how powerful it can be to ask questions, understand the numbers, and create financial systems that actually work for your life.First, we're talking about a couple who had both whole life and term life insurance, including a whole life policy purchased through a family member. After digging into the details, they realized the policy hadn't been handled the way they thought it had—and at the same time, they were carrying massive credit card balances with interest rates around 28–29%.The numbers weren't working in their favor.After asking more questions and making their own decision, they pulled approximately $28,000 from the whole life policy and used it to knock out almost an entire high-interest credit card balance.The bigger lesson? We cannot outsource understanding our money.Even when we're working with an expert—or someone we love—we still need to know where our money is going, why we're making certain decisions, and whether those decisions are actually helping us move forward.Then we're talking about irregular income.One of our clients is a nurse with business income that changes from paycheck to paycheck. She was getting paid different amounts, transferring different amounts to herself, and dealing with bills that were heavily concentrated at the beginning of the month.It felt chaotic—but irregular income doesn't have to mean an irregular financial life.We can create systems around it.Let's Take Our Relationship To The Next Level:1️⃣ Facebook Group ➡︎ budgetbesties.com/facebook2️⃣ Be on the Podcast ➡︎ budgetbesties.com/livecall3️⃣ Private 1-on-1 Coaching. ➡︎ budgetbesties.com/coachingThis podcast is for educational and informational purposes only and is not personal financial, legal, or tax advice.This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase.Click here to view our privacy policy.

Welcome back to another episode of the podcast!In pure Michelle fashion - the vibe of everything we do is to continue to simplify your business + grow your income + have everything sell everything® It's juicyyyyy + will make you money as always!!Grab your coffee, water, mocktail, or a glass of champagne + let's do this.Let's dive in!Everything Sells Everythinghttps://www.harttoheart.co/everything-sells-everything-2025Learn how to create daily sales from your Instagram stories without launches, pressure, or over postinghttps://www.harttoheart.co/dailysalesfromstoriesJoin our EMAIL FAM!https://www.harttoheart.co/join-our-newsletterSay HIII and share what came up for you during this episode!Message me at:https://www.instagram.com/michellehartzman/

Cameron discusses the critical distinction between making money and building wealth. He emphasizes the importance of financial literacy, capital allocation, and strategic planning for entrepreneurs. The conversation covers various strategies for wealth creation, including avoiding lifestyle creep, building multiple income streams, and thinking like an investor. He encourages you to focus on long-term financial freedom rather than short-term gains, ultimately aiming to create options and opportunities through smart financial decisions.Listen In!Thank you for listening to this episode of Medical Millionaire!Takeaways:Building wealth is a different skill set than making money.Entrepreneurs need to think about what to do with money after making it.Income does not equal wealth; wealth is what you keep and own.A capital allocator decides where the next dollar should go.Avoid lifestyle creep as income increases.Have a financial plan before money arrives to avoid emotional spending.Building two wealth engines can lead to greater financial security.Create a business that is valuable and enjoyable to own.Financial freedom means working because you want to, not because you have to.Think like a medical millionaire to create wealth and options.Medical Millionaire: The Blueprint for Scaling a World-Class Medical Aesthetics PracticeWelcome to Medical Millionaire, the go-to podcast for forward-thinking Medspa owners, Medical Aesthetics leaders, Plastic Surgery & Dermatology practices, Concierge Wellness clinics, and Elective Healthcare entrepreneurs who are ready to scale with intention and operate like a true, high-performing business.If you're building, growing, optimizing, or preparing to exit your aesthetics or wellness practice, this show is your competitive advantage.Hosted by Cameron Hemphill Your Guide to Sustainable, Scalable Growth Your host, Cameron Hemphill, is one of the most trusted growth strategists in Medical Aesthetics and Elective Wellness.With over 10 years in the industry, Cameron has helped scale 1,000+ practices and more than 2,300 providers, working alongside the most recognized KOLs, national brands, EMRs, tech companies, and private equity groups, shaping the future of aesthetics. From marketing to operations, from finance to leadership, Cameron brings a real-world, data-driven perspective on what it takes to turn a practice into a powerful business engine.What This Podcast Is All About: Each episode takes you behind the scenes of the fastest-growing practices in the country, revealing the systems, strategies, and mindset required to win in today's Medical Aesthetics landscape.Expect tactical insights, step-by-step frameworks, and conversations with:Industry thought leadersTop injectors & medical directorsEMR & tech innovatorsOperations expertsMarketing strategistsPrivate equity & M&A advisorsWellness and longevity pioneersThis is where aesthetics, business, technology, and wellness converge. What You'll Learn on Medical Millionaire Every week, you'll access expert guidance to help you scale profitably and predictably, including:Marketing & Brand PositioningCRM + Lead Management SystemsPatient Acquisition & ConversionEMR Optimization & Tech Stack ArchitectureSales Psychology & Consultation MasteryFinance, KPIs, and Practice EconomicsOperational Workflows & AutomationIndustry Trends Backed by Real Benchmark DataPatient Retention & Lifetime Value ExpansionMindset, Leadership & Team DevelopmentWhether you're opening your first location or running a multi-million-dollar enterprise, you'll gain the clarity and direction to grow with confidence. A Show Designed for Every Stage of Practice Growth Medical Millionaire breaks down the journey into four essential stages, showing you exactly how to move from one to the next:Startup – Build the foundation and attract your first wave of patientsGrowth – Scale revenue, expand services, and strengthen operationsOptimize – Increase efficiency, margins, and customer experienceExit – Prepare your practice for maximum valuation and acquisitionIf You're Ready to Grow, This Is Where You Start. Tune in weekly for actionable insights, expert interviews, and the exact playbooks high-performing practices use to dominate their markets. This is the podcast for Medspa owners who want more than a job; they want a scalable, profitable, industry-leading business. Welcome to Medical Millionaire.Let's build your practice into the empire it deserves to be.

This episode is sponsored by NURP NURP helps busy physicians grow their wealth through AI-powered algorithmic trading designed for demanding careers. No day trading, no guesswork, and no constant market watching required.  Ready to put your money to work? Visit start.nurp.com/doctors  to learn more.  Trading involves risk, and results may vary. This is not financial advice. __________________________________ Most physicians building a side business fall into one of two traps with "the number." 1: Trying to fully replace clinical income right out of the gate. Anything short of that full salary feels like failure, so healthy early-stage progress gets misread as "this isn't working." 2: Never setting a number at all. You're busy with webinars, LinkedIn posts, and calls, but you can't tell whether the business is working because you never defined what "working" means. Dr. Mike Woo-Ming reframes the goal: your real number isn't your income. It's your freedom number; the smallest monthly amount of outside income that lets you drop a call shift, cut a clinic day, or reclaim a Sunday. That number is almost always a fraction of your salary, and that's the point. Financial freedom isn't matching your W-2; it's buying back your time dollar by dollar.  He shares his own story of setting an ambitious $10,000 per month target early on, watching the gap feel like failure every month, and only turning the corner when he lowered the bar to what would actually change his life (starting with covering a car payment).  Two physician case studies drive the point home: one who set a realistic freedom number and kept going, and one who quit a promising venture because it failed to hit an unrealistic sprint-style target in the first few months. The episode ends with a practical three-step exercise you can finish in 5–10 minutes tonight: Freedom number: Smallest monthly amount that changes one specific thing about your week. Proof number: First repeatable revenue that proves the concept works (often far smaller). Time check: Divide by the hours you're realistically willing to give; adjust if it becomes another full-time grind. Once you have the right number, the same business often stops feeling behind and starts feeling ahead. Three Actionable Takeaways: Your freedom number is not your salary: Calculate the smallest monthly outside income that lets you change one concrete thing (drop a call, cut a clinic day, reclaim a weekend). For most physicians this is a few thousand dollars a month, not a few hundred thousand a year. Separate proof from freedom: Early on, track a much smaller "proof number" (first repeatable paying customers or first $500–$1,000 per month recurring). It answers "Does this concept work?" long before the freedom number arrives. Run the time check: If reaching your freedom number requires another 30–60 hour week on top of clinical work, the math isn't freedom, it's a second job. Adjust offer, price, or timeline until the hours fit the life you actually have. About the Show: Bootstrap MD is the ultimate podcast for physician entrepreneurs looking to escape traditional healthcare and control their financial futures. Hosted by Dr. Mike Woo-Ming, a successful physician, entrepreneur, and investor, the show delivers actionable insights on starting businesses, creating passive income, and navigating healthcare entrepreneurship. Featuring interviews with industry leaders, physicians, and experts in telemedicine and digital health, it's your guide to building a profitable, fulfilling career.  Tune in weekly at  http://bootstrapmd.com  About the Host: Dr. Mike Woo-Ming has over 20 years of experience as a physician entrepreneur. He's built and sold multiple seven-figure companies and now leads Executive Medical, a group of clinics specializing in age management and aesthetics. Through BootstrapMD, he mentors physicians in business, content creation, and autonomy. Let's Connect: www.https://www.bootstrapmd.com Want to start a podcast? Check out the Doctor Podcast Network! Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

You can protect your image or grow your income. Rarely both. Ray pulls no punches in this episode, calling out one of the biggest silent killers of sales success: the need for approval. If you're holding back from reaching out, posting content, or making the ask because you're worried about what people think, that fear is costing you real money. Ray shares from his own journey — including the real estate folks who laughed at him when he moved into direct sales, and then later asked if he was hiring. This episode is a gut check on fixed versus growth mindset, and why the path to mastery has nothing to do with natural talent. Ray admits he was terrible at public speaking, video, and sales when he started. He kept going anyway. Now people call him a natural. The truth is, nobody sees the reps behind the results. Whether it's closing, networking, or marketing, you can get better at all of it — but only if you stop letting people who have nothing to do with paying your bills determine how far you go. Show up, do the work, and stop waiting for the applause that may never come.

Are you stuck in the hourly billing trap, racing against the clock while your clients pressure you to go faster, cheaper, and more? In this episode, Jonathan Stark, the "Ditching Hourly" guy, joins Carly and Joe to break down exactly how solopreneurs can escape time-for-money pricing and switch to a value-based model that benefits both you and your clients.Jonathan shares the surprising moment he realized hourly billing was the root cause of nearly every frustration in his business, from scope creep to client tension to capped income. After making the switch, he doubled his income in year one and watched his client relationships transform almost overnight.This isn't abstract theory. Jonathan walks through his exact process for determining what your work is worth to a client, including his "why conversation" framework, a series of strategic questions that uncover urgency, business value, and what a home run looks like before you ever quote a price. He also explains how to structure a three-option proposal, why he defines scope last (not first), and how to handle scope creep without awkward confrontations.You'll also hear Jonathan's take on retainer pricing, why he doesn't send "rates are going up" letters, when hourly billing might still make sense for newer solopreneurs, and why he keeps contracts minimal even though any lawyer would call him crazy for it.In this episode, you'll learn:Why hourly billing creates a self-fulfilling cycle of scope creep and client tensionThe "why conversation" framework: three categories of questions that reveal what your work is actually worthHow to build a three-option value-based proposal that practically sells itselfWhy Jonathan prices first and defines scope last, and how that changes everythingHow to handle scope creep requests without damaging the client relationshipThe difference between project-based value pricing and retainer-based advisory pricingWhen hourly billing might still be appropriate (and when it's a trap)Why getting paid upfront changes the entire dynamic of client workHow to raise your prices over time without losing existing clientsResources mentioned:Jonathan Stark's free email course: valuepricingbootcamp.comJonathan's website: jonathanstark.comDitching Hourly podcastIf you found this episode helpful, share it with a solopreneur friend who's struggling with pricing. And don't forget to leave a five-star review and subscribe on your favorite podcast platform, including YouTube.

If you're exhausted by creating a brand-new presentation every time you're invited to speak, I get it. You want the talk to fit the audience. But customizing your message is very different from reinventing it.In this episode, I'm joined by our coaches Diane Diaz and Erin Mark to talk about how we each use one foundational signature talk across different audiences, industries, and formats.Erin shares how she adapts her CALM framework for everything from a six-minute-and-40-second PechaKucha talk to a 60-minute keynote. Diane explains what to keep, what to change, and why your stories should be the last thing you cut when time is tight.In this episode, we talk about:Why customizing a signature talk is different from creating a new talk from scratchThe core elements that should stay consistent across speaking engagementsHow Erin adapts her CALM framework for different industries and talk lengthsHow Diane changes stories and audience engagement without losing her central messageWhy listing 10, 15, or 20 speaking topics can make you harder to remember and referHow our Brand Voice Canvas connects your mission, expertise, methodology, and experiencesWhat Erin did when she was assigned a topic outside her expertiseHow to expand a keynote into a workshop without turning it into a content dumpHow your signature talk can become podcast talking points, website copy, and months of LinkedIn contentAbout Us: The Speaking Your Brand podcast is hosted by Carol Cox. At Speaking Your Brand, we help women entrepreneurs and professionals clarify their brand message and story, create their signature talks, and develop their thought leadership platforms. Our mission is to get more women in positions of influence and power because it's through women's stories, voices, and visibility that we challenge the status quo and change existing systems. Check out our coaching programs at https://www.speakingyourbrand.com. Links:Show notes at https://www.speakingyourbrand.com/486/ Discover your Speaker Archetype by taking our free quiz at https://www.speakingyourbrand.com/quiz/Enroll in our Thought Leader Academy: https://www.speakingyourbrand.com/academy/ Learn about our Orlando speaking retreat: https://www.speakingyourbrand.com/live/ Connect on LinkedIn:Carol Cox = https://www.linkedin.com/in/carolcoxDiane Diaz = https://www.linkedin.com/in/dianediaz/ Erin Mark = https://www.linkedin.com/in/erinmark/ Related Podcast Episodes:Episode 288: A Framework for Creating a Signature Talk for Income and ImpactEpisode 462: Speaking Strategies That Create Lasting Impact: Live Signature Talks from TLA Grads with Erin MarkEpisode 475: From Personal Story to Thought Leadership: A Framework for Speakers with Erin MarkEpisode 483: How an I.D.E.A., Not a Topic, Makes You Easier to Refer, Pitch, and Book with Carol Cox

There's a point where your income is a reflection of who you are, not what you're doing.That's what people are actually paying for.This is the same ceiling I see on the MAJORITY of people & it just wears a different outfit each time.

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Most whole life advice stops at the sales illustration. This episode is the conversation that should happen after it. Brandon and Brantley walk through eight details that sit quietly in the background until the day they matter. None is a reason to run from whole life. Each is a spot where an early wrong assumption turns into disappointment years later. What we cover: Income projections assume two things nobody knows: the year your income stops and a flat dividend rate for life. Our fix is to plan around 5% of cash value at the start, not the number the software solves for. Paid-up addition flexibility has limits, and they differ by company. Cross one you did not know about and you risk permanently capping how much goes in. The waiver of premium rider is weaker than it sounds. The definition of disability turns strict fast, it is priced high, and on most whole life it will not cover your paid-up additions. Reducing the death benefit often improves cash value. A real lever, with tax traps in the first fifteen years. Not a do-it-yourself move. Term blending belongs in a cash-focused policy. The term rider raises your death benefit, which raises how much you are allowed to put into paid-up additions. Dividends tend to decline as you age. Rising insurance costs eat the dividend, and people who take the leftover as cash get caught when it no longer covers the premium. Ten-pay is not automatically the best cash builder. A longer-pay policy funded with paid-up additions often matches it and keeps your options open. High early cash value is a business product. A bigger year-one number in exchange for weaker long-term growth. Usually the wrong trade for an individual. Know what you own, and the policy still makes sense to you in year twenty. Sitting on a whole life illustration, or a policy you already own, and not sure it is pulling its weight? Don't let ChatGPT be the last word on it. Send us the illustration, or a few lines about your situation and what AI or your advisor already told you, and we will give you a straight, honest read. No pitch, no sales call. Send us a message, or if you would rather talk it through, book a call with us.

This episode is sponsored by Baselane, banking and rent collection built for landlords. Sign up free, collect $500 in rent through Baselane, and get entered for a chance to win $10,000: https://www.baselane.com/erikabrown

This episode is brought to you by our sister podcast Money Talks. New episodes land every Wednesday. Regular listeners to Money Talks will know that the show has always focused on the personal side of personal finance. Now we're really putting our money where our mouth is with our new Money Makeover series. Financial expert Cian Carolan joins Katie Byrne to apply the actionable advice from Money Talks to real-life circumstances faced by our listeners. On this episode, he focuses on a couple with very different saving styles – and a looming time crisis on their pension pot. Host: Katie Byrne | Guest: Cian Carolan The content of this podcast is for information purposes and does not constitute investment advice or recommendation of any investment product. We want to earn your trust and are members of the Trust Project. See our ethics policies at independent.ie/ourjournalismSee omnystudio.com/listener for privacy information.

Most investors leave their largest assets dormant, but the wealthy use life insurance policy loans to generate passive income. This episode breaks down the exact mechanics of policy loan arbitrage, revealing how to borrow against an Indexed Universal Life (IUL) or whole life policy at a low cost while the principal continues to compound tax-free.By deploying this borrowed capital into higher-yielding private credit vehicles, like first-lien debt funds, investors can pocket a reliable interest rate spread. This risk-mitigated strategy transforms a single asset into a dual-purpose wealth engine, allowing individuals to replicate the banking business model and achieve steady monthly cash flow.KEY TOPICS DISCUSSEDLife insurance policy loan arbitrageInfinite banking and cash value leverageIndexed Universal Life (IUL) versus whole life policiesGenerating passive income through interest rate spreadsPrivate credit investing and first-lien debt fundsMitigating risk in high-volatility market environmentsCreating generational wealth with patient capitalKEY TAKEAWAYSBanks generate wealth by borrowing money at a low rate and lending it at a higher rate; investors can replicate this exact model using their life insurance policies.Borrowing against the cash value of a properly structured life insurance policy does not trigger a taxable event, and the original principal continues to compound uninterrupted.Deploying 5.5% capital into a 10% private credit vehicle creates a strong net cash flow spread without the need to sell assets or take on extreme stock market risk.Sustainable wealth building requires patient capital systems that generate steady base hits rather than relying on high-risk home run investments.CONNECT & TAKE ACTIONImagos Income Fund: Text "INCOME" or "DEALS" to 844-447-1555 to learn more about Matty A's private debt fund targeting 10% fixed returns paid out monthly.Visit skylineocresidences.com to discover luxury condo ownership at Skyline OC, Orange County's tallest residential tower. Get a free financial audit on your investment portfolio by texting X-Ray to 844-447-1555

Need help executing a Backdoor Roth IRA? Book a FREE call with my team at Directed IRA where they walk you through every step of the way!: Book a Call HereWant checkbook control over your self-directed IRA investments? Book a call with Mark and Mat's law firm, KKOS Lawyers, to discuss setting up an IRA/LLC correctly.Ready to Take the Next Step?Work With Mat & Mark's Law FirmGet strategic legal guidance for your business, taxes, asset protection, and estate planning with KKOS Lawyers.[Book a Call with KKOS Lawyers]Take Control of Your RetirementWant to invest your IRA or 401(k) in assets you actually understand? Check out our self-directed trust company Directed IRA.[Learn More About Directed IRA]Free ResourcesMat Sorensen's Optimal Order of Investing GuideLearn how to prioritize where your money should go and build a smarter investing strategy.[Download the Free Guide]Mark J. Kohler's 30-Point Tax GuideDiscover practical tax strategies and planning opportunities every business owner and investor should know.[Download the Free Guide]Get More From Mat & MarkWatch on YouTubeTax strategies, business planning, investing, asset protection, and more.[Visit the YouTube Channel...

The economy may be masking a silent recession beneath a booming stock market. In this episode, we explore the stark contrast between Wall Street highs and everyday inflation, analyzing what rising food prices and business pullbacks mean for your financial future. We also break down a new tax proposal that aims to index capital gains to inflation and increase the home sale exemption to $2 million, potentially unlocking massive real estate inventory.To navigate these uncertain times, we share core real estate investing laws every investor must master, from prioritizing cash flow to avoiding over-leverage. Whether you are looking to raise capital safely or instill core values of accountability and respect in your children, this episode provides actionable strategies to protect your wealth, build your legacy, and thrive in any market environment.KEY TOPICS DISCUSSEDA proposed tax policy indexing capital gains to inflation.Raising the home sale tax exemption to $2 million.S&P 500 performance versus the reality of a silent recession.The impact of a 33% grocery price increase over seven years.Essential real estate investing and wealth-building laws.The five non-negotiables for safely raising private capital.Strategies for raising humble and hardworking children.Implementing core family values for generational success.KEY TAKEAWAYSIndexing capital gains to inflation could alleviate tax pressure and unlock desperately needed housing inventory.Cash flow buys freedom while equity buys options, making it crucial to prioritize cash-producing assets first.Investors must avoid over-leveraging debt to survive market downturns and protect their long-term portfolios.When raising capital, always lead with the downside and stress-test your deals to protect investor funds at all costs.True generational wealth requires teaching children core values like integrity, accountability, and gratitude early on.CONNECT & TAKE ACTIONText "INCOME" to 844-447-1555 to learn more about the Imagos Income Fund and generate consistent passive income.Text "LIST" to 844-447-1555 to get the full PDF list of the 20 real estate investing laws.Visit skylineocresidences.com to discover luxury homeownership and exceptional value at Skyline OC.Leave a review on Apple Podcasts or Spotify if you found value in this episode.

In episode 466 of DREAM THINK DO, we're diving into one of my new favorite words and a concept that's been a game changer for me and my coaching clients: OPTIONALITY. Optionality is the intentional creation of more options. Not waiting to get picked. Not waiting for permission. Not blowing up a perfectly good life just because you're ready for something new. It's intentionally creating more possibilities so you have greater freedom to choose what comes next. And here's the really important part: You don't create optionality because you're expecting something to go wrong. You create optionality because you want more ways for things to go RIGHT. So if you've been successful but you're starting to wonder, "What's next?"... Or maybe you're simply ready to feel a little more FIRE about your future... Let's get after it. MASTERCLASS: OPTIONALITY IS THE NEW JOB SECURITY... If the IMPACT, INCOME, or IDENTITY pieces of this conversation got your wheels turning, I've got a specific experiment for you. Maybe you've spent the last 15, 20, or 25 years getting really good at what you do. Maybe people have told you: "You should teach that." "You'd be a great coach." "You should write a book." "Have you ever thought about speaking?" Maybe you've wondered the same thing. Not necessarily because you want to leave what you're doing... but because you'd love to explore what ELSE might be possible with everything you've learned. That's exactly why I created the masterclass: OPTIONALITY IS THE NEW JOB SECURITY It's designed for accomplished leaders who want to explore how their experience, wisdom, perspective, and reputation can become assets for creating greater impact, income, and optionality through things like coaching, speaking, consulting, and online training. Normally the masterclass is $27. But since you're a DREAM THINK DOer, I want you to have it for FREE. Go to: mitchmatthews.com/options And use the code: DTDGIFT IN THIS EPISODE... We're talking about: Why success can surprisingly make your options feel smaller The three "Success Paradoxes" that can quietly keep high achievers stuck Why you may have stopped exploring possibilities and started evaluating vacancies How the gravity of success can make trying something new feel increasingly expensive Why you don't need to leave what's working to start creating something new The difference between having more choices and having greater freedom to chooseFive areas where creating ONE new option could change your future Simple 30-day experiments that can help you start creating optionality immediatelyWhy your title is something you do, but doesn't contain everything you areThe mysterious "X Factor" that starts showing up when you intentionally create new possibilities Why your title is something you do, but doesn't contain everything you are The mysterious "X Factor" that starts showing up when you intentionally create new possibilities And most importantly... We'll help you identify ONE small but significant experiment you can start this week that future you might thank you for. Now I want to hear from YOU. Where would you love to create more optionality? And what's one experiment you're going to try? Leave a comment at: https://mitchmatthews.com/466

Can you deduct your dog, pay your child tax-free, or claim the kitchen table as a home office? Tax rules for small business owners aren't always straightforward. Wrong assumption could lead to missed deductions or problems with the IRS.In this Q&A episode, Mike answersyour questions. He explains which expenses may qualify when a dog is used for marketing, how hiring children differs between an S corporation and a sole proprietorship, and what happens when a child turns 18.He also covers mileage tracking, missing receipts, home office requirements, unreported Venmo income, retirement plan deadlines, college funding strategies, and whether health-sharing payments qualify for the self-employed health insurance deduction. 

Ryan Pineda and Brian Davila sit down with Michael Zuber to debate where the real estate market is headed, reigniting Brian and Zuber's ongoing rivalry as they break down rising distress, market predictions, and where the biggest opportunities could emerge.⁣⁣Connect with Michael - ⁣https://onerentalatatime.com/⁣https://www.youtube.com/@OneRentalataTime⁣https://www.instagram.com/onerentalatatime/⁣__________⁣If you'd like my team to run your marketing & sales department to scale your business apply here https://www.pinedapartners.com⁣⁣Join our private mastermind for elite business leaders who golf. https://www.mastermind19.com⁣⁣Want to be featured on the Wealthy Way Podcast? Apply here https://www.wealthyway.com⁣⁣If you want to start your real estate investing business, we'll give you 1:1 coaching, seller leads, software, & everything you need. https://www.wealthyinvestor.com⁣⁣Tired of paying so much in taxes every year? We'll give you strategy, tax prep, and accounting all in one place. https://www.taylor-tax.com⁣⁣Join free Bible studies and workshops for Christian business leaders. https://www.tentmakers.us⁣__________⁣Chapters: ⁣00:00 - Real Estate Risk & Foreclosures⁣⁣05:44 - Single-Family vs. Multifamily⁣⁣11:51 - Transaction Forecast & Market Timing⁣⁣15:18 - Market Manipulation & Buying Opportunities⁣⁣16:04 - Real Estate Deals & House Hacks⁣⁣30:02 - Multifamily Investing Challenges⁣⁣34:56 - Economic Outlook⁣⁣41:00 - Wealth-Building Strategy⁣⁣45:06 - Market Downturns & Real Estate⁣⁣48:02 - Real Estate vs. Stocks⁣⁣50:56 - National Security, Tech & Policy⁣⁣1:00:11 - Brandon Turner's Investing Impact⁣⁣1:02:00 - Operator vs. Capital Raiser⁣⁣1:06:11 - Large Multifamily Strategy & Risk⁣⁣1:15:10 - Raising Capital & Finding Deals⁣⁣1:17:01 - Passive Ownership vs. Operating⁣⁣1:24:50 - Legacy, Books & Content⁣⁣1:30:11 - Business as a Retirement Asset⁣⁣1:32:01 - Side Hustles, Income & Failure⁣⁣1:36:40 - Identity, Passion & Career Changes⁣⁣1:45:13 - "One Rental at a Time" Book

Ramit Sethi of I Will Teach You To Be Rich speaks with Shelby and Calvin, 31 and 43, who have a new baby and feel trapped by their financial situation. Together they earn about $102,000 a year, but they have just $3,500 in savings, more than $20,000 in debt, and $0 currently going toward savings or investments. Shelby wants more structure and transparency, while Calvin admits that talking about money makes him uncomfortable. Their relationship has also been strained by financial secrecy, including a personal loan Shelby believed had already been paid off. Once their baby expenses are fully accounted for, their fixed costs rise to 89%. Ramit pushes them to stop relying on vague plans and small cuts and instead make bigger changes to how they manage money together. By the end of the conversation, they have a plan to reduce expenses, aggressively pay down debt, save automatically, and become more active financial partners. In this episode, we uncover: Why Calvin kept a personal loan secret Why Shelby does not fully trust him How they earn about $102,000 but still struggle Why their fixed costs reach 89% Why $0 currently goes toward savings Why Calvin says he has been in debt his whole life How he quietly sabotaged their money meetings How their childhoods shaped opposite money habits Why Shelby takes on more financial responsibility Why cutting small expenses isn't enough How Calvin confronts the impact of his financial decisions How they could pay off their debt in around 11 months How they begin saving automatically Whether they can follow through on the plan Chapters (00:00:00) Introduction (00:03:01) Shelby discovers Calvin's hidden debt (00:04:55) Why Calvin kept the loan secret (00:05:52) One layoff away from needing help (00:08:28) Calvin wants Shelby to manage the money (00:12:48) Shelby admits she does not fully trust Calvin (00:21:14) Ramit reviews their financial numbers (00:23:59) Calvin has been in debt his whole life (00:24:42) They earn more than $102,000 a year (00:27:36) Their fixed costs reveal the real problem (00:35:39) Calvin admits sabotaging their money meetings (00:38:08) Their fixed costs reach 89% (00:44:58) How Calvin grew up around money (00:50:10) Shelby's childhood experience with scarcity (00:59:05) Rebuilding financial trust (01:03:03) Ramit rebuilds their Conscious Spending Plan (01:09:17) Creating a bigger financial vision (01:21:07) Redirecting spending toward debt (01:27:38) Calvin confronts his financial decisions (01:54:14) Shelby and Calvin's follow-up This episode is brought to you by: ElevenLabs | If you run a business or handle customer operations across support, sales, or marketing, start with a demo at https://elevenlabs.io/ramit Skylight | Get $30 off a 15-inch Calendar at https://myskylight.com/ramit ZocDoc | Go to https://zocdoc.com/ramit to find and instantly book a top-rated doctor today #sponsored Gelt | Gelt is taking on new clients now. Find out if you qualify at https://joingelt.com/ramit Leesa | Go to https://leesa.com for 25% off mattresses PLUS get an extra $50 off with promo code RAMIT, exclusive for my listeners Start a business in one hour | Join Ramit live on August 19 at 8pm ET for “Start A Business in One Hour.” Reserve your spot at https://iwt.com/business Rich Life Session | Join Spencer Greenberg and Jeremy Stevenson live on August 20 at 4pm ET to learn which self-help techniques actually drive lasting change. Sign up at https://iwt.com/events Connect with Ramit • Get my new book, Money For Couples • Join my Rich Life: Road to $100K program • Download the Conscious Spending Plan • Listen to my book—now on Audible • Get my New York Times best-selling book • Get my no-numbers journal • Other episodes • Instagram • Twitter • YouTube Apply to be coached for free on this podcast at https://iwt.com/apply

Robert Nordlander spent over 20 years as a special agent with IRS Criminal Investigation — investigating complex criminal tax and money laundering violations, working undercover operations, executing search and arrest warrants, and building the cases that sent tax evaders and money launderers to federal prison — and in this episode of Locked In with Ian Bick, he finally tells the complete truth about what that career really looked like from the inside. He shares what cases the IRS Criminal Division actually goes after and prosecutes, what it actually takes to put someone in prison for taxes, the different types of money laundering he investigated, why small business owners evade taxes more than anyone else, how cases came to him and what the investigation process actually looked like, some of the most significant cases of his career, and what the new world of influencers and social media income is producing in terms of tax crime that most people never see coming. _____________________________________________ #irs #taxes #truecrimestories #accountant #cops  _____________________________________________ Thank you to CASH APP for sponsoring this episode: Download Cash App Today: https://capl.onelink.me/vFut/ksjh06pb  #CashAppPod Cash App is a financial services platform, not a bank. Banking services provided by Cash App's bank partner(s). Prepaid debit cards issued by Sutton Bank, Member FDIC. Cash App Visa® Debit Flex Cards issued by Sutton Bank, Member FDIC, and The Bancorp Bank, N.A., pursuant to a license from Visa U.S.A. Inc. See terms and conditions for the Sutton prepaid card, Sutton debit flex card, and Bancorp debit flex card. Discounts and promotions provided by Cash App, a Block, Inc. brand. Visit cash.app/legal/podcast for full disclosures. _____________________________________________ Connect with Robert Nordlander: Website: https://www.nordlandercpa.com/ Buy his books: https://www.amazon.com/stores/Robert-Nordlander/author/B0BMZT4CNK?ref=ap_rdr&shoppingPortalEnabled=true&ccs_id=a4257f70-b089-4db0-8020-c9bd7e35d743 Hosted, Executive Produced & Edited By Ian Bick: https://www.instagram.com/ian_bick/?hl=en  https://ianbick.com/ _____________________________________________ Timestamps: 00:00 Meet the Ex-IRS Agent 00:21 Growing Up and Early Career 02:00 From Chips to IRS Agent 03:48 The CPA Advantage 05:40 IRS CI Origins and Its Role 06:34 Stationed in Alabama 07:19 Dad's Blessing and Career Shift 09:03 First Case: Identity Theft 10:50 The IRS 'Funny Box' Explained 12:05 Tax Protesters and False Refunds 13:37 Sentencing for Tax Protesters 14:59 Statute of Limitations for Tax Crimes 15:38 Hiding Income: The Small Business Owner 16:36 How Agents Find Cases 18:40 Data Mining for Evasion 20:47 The Value of IRS CI to Prosecutors 21:09 Drug Dealers and Tax Returns 22:12 Civil vs. Criminal: Making the Call 24:30 Choosing Cases Worth Prosecuting 25:40 Cash App Sponsorship 27:40 Dollar Amounts Drive Cases 29:34 Most Common Businesses for Fraud 30:42 Contractor Cash Schemes 31:32 Investigating Contractor Fraud 32:51 Why Celebrities Don't File 34:14 The Tax Gap and Who's Responsible 35:30 Are Business Owners Honest? 36:50 Influencer Tax Issues 38:12 The Fiji Hotel Example 39:22 Influencer Contracts and Tax 40:20 Ignorance and Willfulness 41:30 Influencer Cases and Richard Hatch 43:08 Tax Preparer Liability 44:42 Return Preparers: No License Needed 45:29 Preparer Mistakes vs. Crimes 46:53 Abuse of Earned Income Tax Credit 48:55 What Happens to the Clients? 50:00 When to Tell a Subject They're Investigated 51:42 Undercover Work and Surveillance 55:27 Common Lies from Suspects 57:37 Finding the Second Set of Books 58:26 Pissed-Off Partners as Informants 58:49 State vs. Federal Cases 01:00:35 The Length of Federal Investigations 01:01:36 Finding Bank Accounts 01:03:40 Using Flight Rosters as Leads 01:05:27 Structuring: The $10,000 Myth 01:07:19 A Surprising Case: Murder and Taxes 01:12:28 Expectations of Repayment 01:13:12 Most Egregious Money Hiding 01:15:40 PayPal, Venmo, and Cash App 01:17:52 Money Laundering Evolution 01:20:51 Cryptocurrency and the IRS 01:24:17 Unreported 1099 Income 01:26:46 Tips and Minor Tax Evasion 01:27:43 Is the System Fair? 01:29:00 The Tax Boycott Myth 01:31:00 Tax Protesters Are Filing 01:34:19 Jury Trials and Complex Cases 01:37:52 Testifying and Simplifying for Juries 01:42:10 Winning at Trial: The Odds 01:44:00 Robert's Role as a Consultant 01:45:58 Retiring from the IRS 01:47:53 Life on the Defense Side 01:52:56 IRS Layoffs and Efficiency 01:56:58 The Most Important Lesson 01:58:52 Truth Has Many Friends 02:00:18 Final Thoughts and Resources _____________________________________________ To advertise on the show, contact sales@advertisecast.com or visit https://advertising.libsyn.com/LockedInWithIanBicka

In this episode, Tom and Nate break down a disaster relief housing promotion involving metal container housing, special grantor trusts, material participation, and significant first-year depreciation deductions. They also examine additional red flags surrounding the financing, at-risk rules, potential cancellation of debt, depreciation recapture, and what taxpayers should do when they're presented with an aggressive strategy that sounds too good to be true. Request a consultation from Hall CPA at https://go.therealestatecpa.com/taxsmart Register for FREE access to the 2026 Hall CPA Tax Strategy Summit: www.taxandlegalsummit.com/2026signup Join the Hall CPA Team: https://go.therealestatecpa.com/team Submit your question for Tom & Nathan: go.therealestatecpa.com/question The Tax Smart Real Estate Investors podcast is for general information purposes only and is not intended to provide, and should not be relied on for, tax, legal, or accounting advice. Information on the podcast may not constitute the most up-to-date legal or other information. No reader, user, or listener of this podcast should act or refrain from acting on the basis of information on this podcast without first seeking legal and tax advice from counsel in the relevant jurisdiction. Only your individual attorney and tax advisor can provide assurances that the information contained herein – and your interpretation of it – is applicable or appropriate to your particular situation. Use of, and access to, this podcast or any of the links or resources contained or mentioned within the podcast show and show notes do not create a relationship between the reader, user, or listener and podcast hosts, contributors, or guests. Any mention of third-party vendors, products, or services does not constitute an endorsement or recommendation. You should conduct your own due diligence before engaging with any vendor.

What in your life is actually giving you energy, and what is quietly robbing you of it? In this episode, I'm continuing the conversation about life's halftime with one of the most powerful exercises I use personally and with my coaching clients to get objective clarity on what needs to stay, change, or go. The exercise is simple: list out the people, income sources, obligations, activities, and habits that make up your life, then rate each one from one to five. Five means it gives you life. One means it robs you of life. And here's the rule that makes this exercise so effective: you cannot choose three. I break down why removing the safe middle forces you to get honest, how I'm using this exact system to make major decisions in my own life and business, and the difference between a "one" you need to run from and a "two" that may still be salvageable. You'll walk away with a simple framework to stop accepting the things that drain you and intentionally build a life filled with more fours and fives.   HIGHLIGHTS 01:10 The recent experience that reminded me what may be the best thing money can buy. 02:20 The gratitude practice that shifts your focus from what's missing to how much you already have. 03:55 The 5 areas you need to audit during life's halftime. 06:15 How to actually quantify something as subjective as your relationships, fun, and overall quality of life. 07:40 The simple 1-5 rating system I use with myself and my coaching clients. 08:25 Why you're NOT allowed to choose a three, and how that rule forces you to get honest. 09:50 Are your income sources giving you life or costing you your life? 12:55 How I'm personally auditing my relationships, income opportunities, and free time right now. 14:15 The rating that revealed I need to make big changes to one area of my business.   RESOURCES Use code CHRIS and save $1,000 on your custom social media strategy with The Brand LAB HERE! Make More Sales in the next 90 days - GET THE BLUEPRINT HERE! Check out upcoming events + Masterminds: chrisharder.me Text DAILY to 310-421-0416 to get daily Money Mantras to boost your day.   FOLLOW Chris: @chriswharder Frello: @frello_app

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning television Executive Producer Rushion McDonald interviewed, Dr. Sonia Lewis. Founder and CEO of The Student Loan Doctor, LLC, an award-winning company that helps individuals navigate student loan repayment and debt management. The conversation explores America's student loan crisis, the long-term impact of educational debt, financial literacy, entrepreneurship, and Dr. Lewis's journey from higher education professional to nationally recognized business owner. At its core, the interview is both a discussion about the realities of student loan debt and an entrepreneurial success story about identifying a major problem and building a business around solving it. Purpose of the Interview The interview was designed to: Educate listeners about the student loan debt crisis. Explain how student debt affects long-term financial success. Highlight the unique challenges facing African American borrowers, particularly women. Introduce solutions and resources for student loan repayment. Share Dr. Lewis's entrepreneurial journey and business-building strategies. Encourage financial literacy and informed borrowing decisions. Key Takeaways 1. Student Loan Debt Is a Systemic Problem Dr. Lewis argues that the student loan crisis begins with the cost of higher education itself. Key points include: Student loans are one of the few major financial products available without traditional underwriting standards. New borrowers continuously enter the system, making loan forgiveness alone an incomplete solution. The problem is tied directly to the growing cost of college education. Higher education and student lending have become interconnected industries with few structural solutions. Bottom Line: The challenge is not just repayment. It is the broader system that continues producing new debt every semester. 2. Student Debt Impacts Major Life Decisions One of the strongest themes throughout the interview is how student debt affects adulthood. Dr. Lewis explains that borrowers often don't fully understand the consequences until they begin trying to: Buy a home Build credit Get married Start a family Launch a business Create long-term wealth Many borrowers discover that large student loan balances significantly limit financial flexibility and delay major life milestones. 3. African American Women Carry a Disproportionate Burden Dr. Lewis has dedicated much of her career to studying how student loan debt impacts African American women. She notes that: African American women earn more college degrees than many demographic groups. They often carry some of the highest student loan balances. Educational attainment does not always translate into proportional wealth building. Student debt often delays homeownership, entrepreneurship, and family financial growth. This issue became a central motivation behind her work and the creation of her company. 4. The Student Loan Doctor Was Built by Solving a Real Problem Dr. Lewis launched her business after recognizing that borrowers were not receiving adequate guidance from loan servicers. She initially: Worked a full-time job in higher education. Met clients in cafes and community spaces after work. Charged modest consultation fees. Studied federal student loan regulations extensively. Built expertise through years of financial aid and higher education experience. Eventually demand exceeded her full-time salary, allowing her to transition into entrepreneurship. Entrepreneurial Lesson: Find a major problem, become an expert in solving it, and deliver consistent value. 5. Solving Problems Creates Business Opportunities A powerful business lesson from the interview is Dr. Lewis's belief that successful entrepreneurs place themselves in the middle of a significant problem. After publicly sharing that she was the first African American woman-owned student loan repayment company, her story went viral. This exposure led to: National media attention Increased public awareness Thousands of inquiries Significant business growth Her success demonstrates the value of owning a niche and becoming the go-to expert in that space. 6. Financial Literacy Starts at Home While colleges play a role in educating students about finances, Dr. Lewis believes financial literacy begins much earlier. She emphasizes: Parents should teach money management. Young adults often receive loan refunds without understanding budgeting. Many borrowers arrive at college without financial education. Borrowing decisions should be tied to future earning potential. Her View: Financial decision-making skills must be developed before students begin managing significant amounts of money. 7. Education Must Connect to Career Outcomes Another important takeaway is the need to think strategically about degrees and career paths. Dr. Lewis encourages students and families to consider: Return on investment. Career demand. Income potential. Employment opportunities. Degree marketability. She notes that many borrowers accumulate debt for degrees without fully understanding how those degrees translate into sustainable careers. 8. Teaching Builds Trust A major factor in Dr. Lewis's success has been education-based marketing. She regularly provides: Free workshops Online classes Community education events Financial literacy sessions By teaching first and selling second, she establishes credibility and trust with potential clients. Notable Quotes On the Student Loan Crisis "Unless we make it free, free 99, in the United States of America, this is a trillion-dollar problem that really doesn't have a solution." On Life After College "When you go to buy a home, they'll say, well, you already have a mortgage. We can't give you another one." On Entrepreneurship "When you are an entrepreneur, you want to put yourself in the middle of a big problem." On Her Business Growth "There was no me before. People were shying away from this conversation." On Supporting Borrowers "We get right into the solution." On Student Loan Shame "It's the thing that plays in the back of your mind when no one else is around." On Building a Business "I only want to talk about having student loans. That's my lane." On Success "God be showing up in places that I haven't made it to yet." On Leadership "You cannot be an entrepreneur, a good business owner, a good leader if you don't have discernment about people." On Personal Growth "I believe in mentorship. I believe in investing in myself." Executive Summary Dr. Sonia Lewis's interview is both a financial education discussion and an entrepreneurial masterclass. She highlights how student loan debt has become a long-term barrier to wealth creation, particularly for African American women, while providing practical insight into why borrowers struggle and how they can move forward. Equally important, she demonstrates how identifying a widespread problem, developing deep expertise, and consistently educating others can create a highly successful business. Her overarching message is that informed financial decisions, strong mentorship, continuous learning, and strategic problem-solving are essential for both personal and professional success. #STRAW #BEST #SHMS Money Making Conversations Master Class with Rushion McDonald is America's premier entrepreneurship, business leadership, financial literacy, and wealth-building podcast featuring successful entrepreneurs, executives, founders, celebrities, and industry experts sharing actionable insights for professional and financial success. Business Podcast Entrepreneurship Small Business Business Growth Financial Literacy Wealth Building Black Entrepreneurs Minority Business Leadership Executive Leadership Business Funding Marketing Strategies Personal Development Startup Advice Sales Training CEO Interviews Founder Stories Professional Development Economic Empowerment Business Success Networking Brand Building Innovation How to start a business Small business funding Entrepreneur success stories Business leadership podcast Wealth building strategies Black entrepreneur podcast Minority business development Marketing for small businesses Business growth strategies Startup funding opportunities Executive leadership training Financial literacy education Success mindset podcastSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning television Executive Producer Rushion McDonald interviewed, Dr. Sonia Lewis. Founder and CEO of The Student Loan Doctor, LLC, an award-winning company that helps individuals navigate student loan repayment and debt management. The conversation explores America's student loan crisis, the long-term impact of educational debt, financial literacy, entrepreneurship, and Dr. Lewis's journey from higher education professional to nationally recognized business owner. At its core, the interview is both a discussion about the realities of student loan debt and an entrepreneurial success story about identifying a major problem and building a business around solving it. Purpose of the Interview The interview was designed to: Educate listeners about the student loan debt crisis. Explain how student debt affects long-term financial success. Highlight the unique challenges facing African American borrowers, particularly women. Introduce solutions and resources for student loan repayment. Share Dr. Lewis's entrepreneurial journey and business-building strategies. Encourage financial literacy and informed borrowing decisions. Key Takeaways 1. Student Loan Debt Is a Systemic Problem Dr. Lewis argues that the student loan crisis begins with the cost of higher education itself. Key points include: Student loans are one of the few major financial products available without traditional underwriting standards. New borrowers continuously enter the system, making loan forgiveness alone an incomplete solution. The problem is tied directly to the growing cost of college education. Higher education and student lending have become interconnected industries with few structural solutions. Bottom Line: The challenge is not just repayment. It is the broader system that continues producing new debt every semester. 2. Student Debt Impacts Major Life Decisions One of the strongest themes throughout the interview is how student debt affects adulthood. Dr. Lewis explains that borrowers often don't fully understand the consequences until they begin trying to: Buy a home Build credit Get married Start a family Launch a business Create long-term wealth Many borrowers discover that large student loan balances significantly limit financial flexibility and delay major life milestones. 3. African American Women Carry a Disproportionate Burden Dr. Lewis has dedicated much of her career to studying how student loan debt impacts African American women. She notes that: African American women earn more college degrees than many demographic groups. They often carry some of the highest student loan balances. Educational attainment does not always translate into proportional wealth building. Student debt often delays homeownership, entrepreneurship, and family financial growth. This issue became a central motivation behind her work and the creation of her company. 4. The Student Loan Doctor Was Built by Solving a Real Problem Dr. Lewis launched her business after recognizing that borrowers were not receiving adequate guidance from loan servicers. She initially: Worked a full-time job in higher education. Met clients in cafes and community spaces after work. Charged modest consultation fees. Studied federal student loan regulations extensively. Built expertise through years of financial aid and higher education experience. Eventually demand exceeded her full-time salary, allowing her to transition into entrepreneurship. Entrepreneurial Lesson: Find a major problem, become an expert in solving it, and deliver consistent value. 5. Solving Problems Creates Business Opportunities A powerful business lesson from the interview is Dr. Lewis's belief that successful entrepreneurs place themselves in the middle of a significant problem. After publicly sharing that she was the first African American woman-owned student loan repayment company, her story went viral. This exposure led to: National media attention Increased public awareness Thousands of inquiries Significant business growth Her success demonstrates the value of owning a niche and becoming the go-to expert in that space. 6. Financial Literacy Starts at Home While colleges play a role in educating students about finances, Dr. Lewis believes financial literacy begins much earlier. She emphasizes: Parents should teach money management. Young adults often receive loan refunds without understanding budgeting. Many borrowers arrive at college without financial education. Borrowing decisions should be tied to future earning potential. Her View: Financial decision-making skills must be developed before students begin managing significant amounts of money. 7. Education Must Connect to Career Outcomes Another important takeaway is the need to think strategically about degrees and career paths. Dr. Lewis encourages students and families to consider: Return on investment. Career demand. Income potential. Employment opportunities. Degree marketability. She notes that many borrowers accumulate debt for degrees without fully understanding how those degrees translate into sustainable careers. 8. Teaching Builds Trust A major factor in Dr. Lewis's success has been education-based marketing. She regularly provides: Free workshops Online classes Community education events Financial literacy sessions By teaching first and selling second, she establishes credibility and trust with potential clients. Notable Quotes On the Student Loan Crisis "Unless we make it free, free 99, in the United States of America, this is a trillion-dollar problem that really doesn't have a solution." On Life After College "When you go to buy a home, they'll say, well, you already have a mortgage. We can't give you another one." On Entrepreneurship "When you are an entrepreneur, you want to put yourself in the middle of a big problem." On Her Business Growth "There was no me before. People were shying away from this conversation." On Supporting Borrowers "We get right into the solution." On Student Loan Shame "It's the thing that plays in the back of your mind when no one else is around." On Building a Business "I only want to talk about having student loans. That's my lane." On Success "God be showing up in places that I haven't made it to yet." On Leadership "You cannot be an entrepreneur, a good business owner, a good leader if you don't have discernment about people." On Personal Growth "I believe in mentorship. I believe in investing in myself." Executive Summary Dr. Sonia Lewis's interview is both a financial education discussion and an entrepreneurial masterclass. She highlights how student loan debt has become a long-term barrier to wealth creation, particularly for African American women, while providing practical insight into why borrowers struggle and how they can move forward. Equally important, she demonstrates how identifying a widespread problem, developing deep expertise, and consistently educating others can create a highly successful business. Her overarching message is that informed financial decisions, strong mentorship, continuous learning, and strategic problem-solving are essential for both personal and professional success. #STRAW #BEST #SHMS Money Making Conversations Master Class with Rushion McDonald is America's premier entrepreneurship, business leadership, financial literacy, and wealth-building podcast featuring successful entrepreneurs, executives, founders, celebrities, and industry experts sharing actionable insights for professional and financial success. Business Podcast Entrepreneurship Small Business Business Growth Financial Literacy Wealth Building Black Entrepreneurs Minority Business Leadership Executive Leadership Business Funding Marketing Strategies Personal Development Startup Advice Sales Training CEO Interviews Founder Stories Professional Development Economic Empowerment Business Success Networking Brand Building Innovation How to start a business Small business funding Entrepreneur success stories Business leadership podcast Wealth building strategies Black entrepreneur podcast Minority business development Marketing for small businesses Business growth strategies Startup funding opportunities Executive leadership training Financial literacy education Success mindset podcastSee omnystudio.com/listener for privacy information.

In just 11 years, Aaron Murphy has replaced his and his wife's income with repeatable, long-term rental properties. No complicated strategy. No huge windfall of cash. He made serious mistakes on his first true investment property, but quickly developed a “foolproof” system that allowed him to scale to an impressive real estate portfolio and gave him a sustainable exit path out of his W-2 job. After getting tired of the “do this or don't get paid” mentality at his job, Aaron realized he needed another source of income. Stocks required too much upfront cash, homes in his city were too expensive, but what if he looked outside the city? He bought his first property with around $12,000 down, saved up more money, repeated it, made mistakes, succeeded, failed, and did it again, until he had a process that built wealth on repeat. Now, Aaron has an entire rental portfolio to rely on for income as he takes this interview from Portugal as part of a one-year trip around the world. It's only possible because he took the first step—buying just one property. In This Episode We Cover Aaron's repeatable BRRRR method that helped him scale to 75 rental units  The biggest mistakes you can avoid on your first rental property (Aaron learned the hard way) One thing you always account for when analyzing a rental property (or it'll cost you thousands) Want a mentor? The “foolproof” system to finding the best ones in your area  The secret to getting low offers accepted that's so simple, most investors skip over it  And So Much More! Check out more resources from this show on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠BiggerPockets.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠h⁠⁠t⁠t⁠ps://www⁠.biggerpockets.com/blog/real-estate-1315. Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠advertise@biggerpockets.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Learn more about your ad choices. Visit megaphone.fm/adchoices