Podcasts about Income

It's the first Saturday of the month, which means it's time for the next installment of our 2026 Financial Planning Challenge. We've spent most of this year discussing how to accumulate and manage wealth. This month, we're going to talk about how to protect it. Yes, we're talking about insurance. Host Robert Brokamp is joined by Foolish colleague Amanda Kish to discuss:-The types of insurance every person should consider-How to determine the right amounts of coverage-Considerations when buying a new policy or evaluating a current policy-When it makes sense to get professional help with insurance Host: Robert Brokamp, CFP®, EAGuest: Amanda Kish, CFP®, CFAEngineer: Bart Shannon Disclosure: Advertisements are sponsored content and provided for informational purposes only. The Motley Fool and its affiliates (collectively, “TMF”) do not endorse, recommend, or verify the accuracy or completeness of the statements made within advertisements. TMF is not involved in the offer, sale, or solicitation of any securities advertised herein and makes no representations regarding the suitability, or risks associated with any investment opportunity presented. Investors should conduct their own due diligence and consult with legal, tax, and financial advisors before making any investment decisions. TMF assumes no responsibility for any losses or damages arising from this advertisement. We're committed to transparency: All personal opinions in advertisements from Fools are their own. The product advertised in this episode was loaned to TMF and was returned after a test period or the product advertised in this episode was purchased by TMF. Advertiser has paid for the sponsorship of this episode. Learn more about your ad choices. Visit megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Matty A. introduces a completely new category in the private wealth space: experiential investing. By launching Imagos X alongside the Imagos Income Fund, the Wise Investor Segment explores how high-net-worth earners can generate a target 10% annual return while simultaneously unlocking elite, bespoke life experiences.This episode details the ALIGN framework for investing, emphasizing that money should buy both options and immediate access to irreplaceable lifestyle events. Investors learn how to bypass traditional $50,000 concierge memberships by deploying capital into asset-backed private credit, ensuring their wealth works for them today while maximizing their quality of life.KEY TOPICS DISCUSSEDThe transition from traditional private funds to experiential investingGenerating passive income with the Imagos Income Fund's target 10% annual yieldPrioritizing downside protection through first-position asset-backed lendingUnlocking bespoke concierge services, such as F1 Paddock Club access and private jets, through Imagos XImplementing the ALIGN framework for lifestyle and wealth integrationOvercoming the time-for-money exchange to buy back freedom for high earnersKEY TAKEAWAYSPrivate investing has become highly commoditized, making unique access and curated experiences the new differentiator for high-net-worth individuals.Investors can leverage the Imagos Income Fund for a targeted 10% return while maintaining strong capital preservation through first-position debt.Imagos X eliminates standard $25,000 to $50,000 concierge membership fees by tying elite lifestyle access directly to fund participation.The ALIGN framework ensures capital investments are Asset-backed, Leverage time, Include unique perks, foster elite Gatherings, and focus on the Now.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.

Guaranteed income in retirement sounds pretty nice, but what are the trade-offs to make it happen? Several big asset managers offer target-date funds with built-in annuities. However, it's difficult to compare one against another because their strategies tend to differ. And retail annuities' dubious reputation has set up a hurdle for mass adoption. But recent important developments could clear the path for these funds to appear in 401(k)s and other retirement plans. New Morningstar research explores why target-date funds with annuities are gaining ground in the US. Jason Kephart has dug into the data. Morningstar's senior principal of multi-asset manager research is here to explain what he found. As Fidelity Adds Target-Date Fund With Guaranteed Income, Here's What You Should Watch For On this episode: 00:00:00 Welcome 00:00:59 What annuities are and why they got a bad rap 00:02:05 How in-plan annuities differ from retail versions 00:02:26 Why a proposed Department of Labor rule matters for 401(k) plans 00:03:08 Is momentum building for guaranteed income in 401(k)s? 00:04:18 Income annuities vs. guaranteed lifetime withdrawal benefits 00:07:09 What retirement savers should know now   Watch more from Morningstar: AI ETFs Are on the Rise. Are They Worth the Risk? Don't Leave Tax Savings on the Table: How to Conduct a Midyear IRA Checkup What Investors Should Watch for in the Second Half of 2026   Follow Morningstar on social:  Facebook: https://www.facebook.com/MorningstarInc/  X: https://x.com/MorningstarInc Instagram: https://www.instagram.com/morningstarinc/  LinkedIn: https://www.linkedin.com/company/morningstar/ Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

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! 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 podcast Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Todd Kroupa.

On this episode of the "ETF of the Week" podcast, VettaFi's Head of Research, Todd Rosenbluth, discussed the Thornburg Premium Income Builder ETF (THOR) with Chuck Jaffe of Money Life.

More income was supposed to set you free. It didn't — it just made the cage nicer. In this episode, I break down the difference between financial freedom and time freedom, and give you the Freedom Ladder: a 30-second test to score how free you actually are, and four moves to climb from a job you own to an asset that pays you whether you show up or not. Full written version and the worksheet are linked below.cameronlimitless.com/letter — one letter a week, this system and every one after it, written down."

Matty A. and Ryan Breedwell dive into a packed week for the financial markets, starting with predictions for the upcoming FOMC rate decision and the impact of the ongoing Iran conflict on global oil prices. They explore how inflation and geopolitical tensions are keeping the S&P 500 range-bound, while highlighting crucial earnings reports from major AI and semiconductor companies like SanDisk, Seagate, and Nvidia.The hosts also analyze the recent spike in United States real estate foreclosures, breaking down why record-high homeowner equity and supply shortages mean a housing crash is highly unlikely. Finally, the conversation shifts to digital assets, discussing the Crypto Clarity Act, the regulatory threat to meme coins, and how tokenization could soon reshape institutional finance.KEY TOPICS DISCUSSEDFOMC rate hike probabilities and Citadel's surprise hike prediction.Impact of the Iran conflict on global oil prices and WTI trends.Semiconductor stock pullbacks and AI data storage investments.Q2 tech earnings expectations for Meta, Apple, and Microsoft.Analysis of rising United States real estate foreclosures compared to 2019.Record homeowner equity and the national housing supply shortage.The Crypto Clarity Act and the future of real world asset tokenization.Regulatory crackdowns on meme coin markets and platforms like PumpFun.KEY TAKEAWAYSA surprise FOMC rate hike is highly unlikely given current market conditions, despite some hawkish institutional forecasts.Geopolitical energy shocks are being digested faster by the market, with oil prices retreating sharply after recent spikes.Semiconductor and memory storage companies present strong buy opportunities as they continue to beat earnings despite broader tech sector pullbacks.The current real estate market is insulated from a crash due to a massive 11 trillion dollars in tappable equity and pervasive sub-6 percent mortgage rates.The impending Crypto Clarity Act will likely eliminate unregulated meme coin exchanges while attracting trillions in institutional capital to legitimate tokenization projects.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.

Foreclosures are rising, but that does not automatically mean the 2026 housing market is heading toward another crash. The comparison behind the headline changes the entire story. In this episode, Tim and Julie Harris explain why real estate agents should stop comparing today's market to the abnormal COVID housing years. They break down the difference between market normalization and genuine crisis conditions, why homeowner equity matters, and where limited pre-foreclosure listing opportunities may exist. They also explain how fear-based predictions affect buyer behavior, seller decisions, and agent productivity. An agent who expects the market to collapse may stop prospecting, delay skill development, and wait for conditions that never arrive. What you'll learn: You'll learn how to evaluate foreclosure headlines, compare current conditions with 2019 and the 2008 crisis, identify potential pre-foreclosure opportunities, analyze your local MLS, and build the skills required to serve clients in any market. Serious real estate agents do not build careers around perfect conditions. They learn how to generate listings, communicate with authority, negotiate effectively, and pivot as the market changes. This is exactly the kind of practical, career-focused training available through coaching and the Libertas group at eXp Realty. 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.

European equities have long appealed to income investors, but the opportunity is becoming broader than dividends alone. Stuart Brown, co-manager of the BlackRock Continental European Income fund, joins us to discuss improving earnings and dividend growth across industrials, banks and utilities, alongside the structural themes supporting them, including electrification, energy security and supply-chain investment. The discussion also examines regional portfolio positioning, the resilience of European companies amid geopolitical disruption, and selective opportunities in defence. Finally, it considers why share buybacks, improving business fundamentals and more shareholder-friendly capital allocation could strengthen Europe's total return potential.What's covered in this episode: Europe's evolving income opportunitySustainable dividend growthOpportunities within industrialsElectrification and energy securityRegional portfolio positioningFrance beyond domestic politicsSouthern European banksFalling rates and bank earningsAI adoption in financial servicesInfrastructure-like utilitiesDefence spending and valuationsManaging geopolitical riskSupply-chain investmentThe growth of share buybacksEurope's changing total return storyLearn more on fundcalibre.comPlease remember, we've been discussing individual companies to bring investing to life for you. It's not a recommendation to buy or sell. The fund may or may not still hold these companies at the time of listening. Elite Ratings are based on FundCalibre's research methodology and are the opinion of FundCalibre's research team only.

Our guest on the podcast today is Ryan Frederick, an author, speaker, and entrepreneur focused on the intersection of place and healthy longevity. As founder and CEO of HERE, he provides content courses and coaching in place planning, a holistic, research-based approach to help people find the right place for every stage of life. He's also the author of Right Place, Right Time, a book that helps individuals think through housing decisions for the second half of life. In addition, Ryan provides strategy consulting to organizations looking to create better places, including Fortune 500 companies, institutional investors, health systems, and housing developers and operators. He's also a member of the Advisory Council for the Stanford Center on Longevity. He previously served on the National Advisory Board of Johns Hopkins University School of Nursing and was a member of the Bipartisan Policy Center Task Force on Health and Housing. He's a graduate of Princeton University and Stanford Business School. Episode Highlights 00:00:00 Senior Living, Longevity, and 100-Year Life Planning 00:08:39 How Place Influences Health as You Age 00:10:37 The Four Pillars of Place Planning 00:16:19 Income's Impact on Housing, Home Equity, and Limitations of Aging in Place 00:30:01 Place Planning Tools and Building Community 00:41:43 New Housing Models, Cohousing, and Age Diversity 00:49:13 Continuing Care Retirement Communities and Healthy Aging Dashboards More From Morningstar Your Retirement Countdown, With Christine Benz Harry Margolis: How to Confront Aging Challenges Head-On Joy Loverde: Planning Ahead for Care Needs as You Get Older If you have a comment or a guest idea, please email us at TheLongView@Morningstar.com. Follow Christine Benz (@christine_benz) and Ben Johnson (@MstarBenJohnson) on X, and Christine Benz, Amy Arnott, and Ben Johnson on LinkedIn. Visit Morningstar.com for new research and insights from Christine, Ben, and Amy. Subscribe to Christine's weekly newsletter, Improving Your Finances. If you want more Morningstar podcasts, check out The Morning Filter and Investing Insights. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

What can private companies learn from government caseworkers about adopting automation and using data more effectively? In this episode of Tech Talks Daily, I speak with David Turner, General Manager and Senior Vice President of Government Services at Equifax Workforce Solutions, about public sector automation, data modernization, and the people responsible for delivering social services. The conversation begins with a surprising finding from an Equifax Government Services study of over 500 U.S. government employees. Every respondent expected efficiency to improve during the following year, while 95% believed automation would free time for higher value, human centered work. David explains why government employees may be more receptive to modernization than many people assume. Caseworkers operate under rising demand, staffing pressures, changing policy, and limited budgets. When technology removes repetitive administration or supplies information faster, they can see an immediate connection between the tool and the person waiting for support. We discuss how the meaning of automation has changed inside social services. A few years ago, it might have meant entering information into an online portal. Today, integrated connections can search data sources behind the scenes and return verified information during the caseworker's existing process. David describes continuous evaluation, which can identify when circumstances within a caseload have changed. Instead of searching every case for a possible update, a worker can direct attention toward the people whose income, address, or employment data indicates that further review may be needed. Income verification provides another example. Equifax says it can return income information in under one second, helping prevent the delays created when an applicant must leave the process to find a document. Those pauses matter when an eligibility decision already involves several stages and numerous external systems. The gig economy makes this work harder. Applicants may receive income from employment, contract work, digital platforms, and several side projects. Agencies need access to a fuller income picture without sending people back toward paper forms and manual verification. David also shares what Equifax has learned through its Day in the Life program. The team spends time with caseworkers to understand their processes, policy restrictions, and information constraints. He believes public sector leadership can remain closely connected to employees in the field because many agency executives previously performed those roles themselves. AI introduces further possibilities. David discusses how data and AI could eventually identify signs that someone who has left an assistance program may be experiencing financial difficulty again. Community groups, food banks, or other services could potentially offer support before that person returns to crisis. Such a system would also require careful decisions around consent, privacy, accuracy, and responsibility. The central lesson is refreshingly human. Technology creates value when it removes administrative pauses and gives experienced caseworkers additional time to understand someone's circumstances. Could public sector automation teach private companies how to connect technology investment with human outcomes? Listen to the episode and share your thoughts with me.

⚖️ What Happens If You Fail to Disclose Assets in a Divorce? | Los Angeles Divorce

What if one decision could increase your retirement income for the rest of your life?  In this eye-opening episode of Smart Women Talk, Katana Abbott sits down with nationally recognized Social Security expert and Certified Financial Planner™ Mary Beth Franklin to help women understand one of the most important financial decisions they'll ever make—when to claim Social Security benefits.  From choosing the right claiming age to understanding special rules for married, divorced, and widowed women, Mary Beth explains how thoughtful planning can help maximize lifetime income while avoiding costly mistakes that could permanently reduce your benefits.  You'll discover:Why retirement and claiming Social Security are two separate decisionsHow your claiming age can dramatically affect your lifetime incomeSpecial claiming strategies for married, divorced, and widowed womenCommon Social Security mistakes—and how to avoid themHow to maximize survivor benefits for your familyImportant changes under the Social Security Fairness ActWhen a Social Security "do-over" may still be possible  Whether retirement is just around the corner or still years away, this conversation provides practical guidance every woman should understand before filing for benefits.  The decisions you make today could impact your retirement income for decades to come.  Mary Beth Franklin is a Certified Financial Planner™ professional, veteran financial journalist, and nationally recognized expert on Social Security, Medicare, and retirement income planning. Based in Washington, D.C., she has spent decades helping Americans make informed financial decisions through her writing, speaking, and educational programs. Mary Beth is a sought-after speaker on Social Security and Medicare, a former columnist for InvestmentNews, former Tax and Retirement Editor at Kiplinger Personal Finance, and former congressional correspondent for United Press International. She is also a frequent guest on radio and television programs and hosted the popular Retirement Repair Shop podcast for seven seasons.  To learn more about Mary Beth, visit www.marybethfranklin.com.Smart Women Talk Disclaimer:The information shared in this episode is intended for educational and informational purposes only and should not be considered financial, investment, tax, legal, Medicare, Social Security, or retirement planning advice. Every individual's circumstances are unique. Before making decisions regarding your investments, retirement income, or government benefits, please consult with qualified professionals who can provide guidance based on your personal goals and financial situation.

In this episode of the Millionaire Mindcast, we uncover a highly lucrative, yet often overlooked, asset class: medical office properties. While investors crowd into saturated markets like boutique hotels and Airbnbs, medical real estate offers untapped potential for steady, passive income.We break down the five specific reasons why medical office buildings are the strongest necessity-based assets in any portfolio. From recession-resistant demand to triple-net lease structures that eliminate traditional landlord headaches, this episode explores exactly why healthcare properties outshine traditional real estate.KEY TOPICS DISCUSSEDThe strategic shift from saturated Airbnb markets to niche medical real estate.How sale-leaseback opportunities arise when hospital systems choose to go asset-light.Why the high cost of medical practice buildouts creates incredibly sticky, long-term tenants.The recession-proof nature of necessity-based healthcare versus discretionary consumer spending.Demographic advantages of an aging population creating guaranteed future healthcare demand.The benefits of triple net leases where tenants cover taxes, insurance, and maintenance.Why specialized procedural clinics remain completely insulated from telehealth disruption.KEY TAKEAWAYSMedical providers prioritize patient retention and location, meaning they rarely relocate after investing heavily in specialized plumbing and electrical buildouts.Discretionary income disappears during economic downturns, but necessity-based medical treatments remain fully funded by consumers regardless of the economy.Healthcare utilization climbs steeply with age, creating a mathematical certainty of high demand as older demographics transition into their highest utilization decades.Triple net lease structures allow investors to achieve strong, stable returns without the active management headaches associated with residential properties.Physical therapy, dermatology, and procedural clinics offer built-in protection against the rise of virtual consultations and remote telehealth services.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.

How much money do you need to live comfortably?A recent study factoring in what a family of four needs to earn to have a comfortable living is eye opening.Using the metric based on 50% of your income going to your basic needs, 30% going to your wants, and leaving 20% for savings the numbers are staggering.We explore this data and each city and how it relates to purchasing a new home.Please make sure to subscribe to the show and give us a 5* review!Contact us for business inquiries:

This show has been flagged as Clean by the host. In our sample game we look at playing as Austria and aiming for a Diplomatic Victory. And our focus is on puppeting City-States, but I misunderstood and instead of making a Diplomatic Victory easier, it makes it harder. I still managed to get my Diplomatic Victory, but a Science or Domination Victory would definitely have been easier in this scenario. Playing Civilization V, Part 14 Now I am at turn 340, I just puppeted another City-State, and I have one more on the way. I have sent a large number of military units, both land and sea, to the City-States that are on Japan's border. If he tries anything now he will likely regret it. Now I am starting to build things I had not bothered with before, like Granaries and Amphitheaters. I got a couple of Great Engineers, and used them to rush build Wonders. I am nearly finished puppeting all of the City-States, and my Happiness and Income are both quite healthy. I am in such good shape I started to build the World's Fair, which I initally proposed then ignored. At this point I only have one more City-State to puppet, then I will have puppeted every City-State in the game. So it is time to put my large income to use in other ways by giving gifts to the other players. I may want to get a few more votes on my side to get over the top in the World Leader vote when it happens. On turn 357 I completed the puppeting of all of the City-States in the game. Meanwhile, I am building up my Science and building Wonders as they become available. I didn't build any in the early game because I had other priorities, but now I have a strong military, high income, and no other pressing needs. My score on the Leader Board is now double that of my nearest competitor which is still Japan. And their denunciation me of just expired with them taking no action. I used a Great Engineer to rush build the Porcelain Tower, earning me another Great Scientist, which I then used to build another Academy. At this point it is mostly a slog to the finish. Since I was so dominant and so wealthy I could afford to pursue a couple of other options just in case. One was a Science victory, which looked like a possibility, though it would be close. I had to be very focused in my Science Research. The other option was a Culture victory, and I had dominated two other empires culturally without half trying, and I was generating Great Artists, Great Musicians, and Great Writers pretty rapidly. So I built Museums, then Archeologists, and grabbed every artifact I find to stuff into the Museums. But the final Victory came when I researched Globalization. This tech allows you to get an extra vote in a World Council for every Spy you send to another empire's capital and designate as an Ambassador. I immediately sent my spies out (they had previously been in my cities doing counter-espionage since I had a tech lead). And a few turns later a vote for World Leader came up and I won. This was my first time using Maria Theresa of Austria as my leader, and it was fun, but in the end puppeting all of the City-Staters actually made it harder to win a Diplomatic victory. In other games I have played, every City-State that was an ally was an extra vote in the World Council, and I assumed that making them puppets would mean I would get that many votes. But that didn't happen. Of course, if I had read more carefully in the Civilization Wiki I would have realized this, because it says there very clearly that Austria is one of the worst Empires to pick if you are going for a Diplomatic victory. So the fact that I managed it anyway is nice. I think I actually could have done a Science victory as I had my Spaceship half-built when I won the Diplomatic Victory. But I hope this analysis of how I actually played this game will be helpful to someone else. Links https://www.palain.com/gaming/civilization-v/playing-civilization-v-part-14/ Provide feedback on this episode.

Learn how to budget for dropping to one income with a baby on the way. Plus: what's really happening to the 50+ workforce? What's driving the labor force participation rate to a 50-year low — and what does it mean for the more than one million Americans aged 54 and up who are still looking for work? Sean Pyles, CFP®, and Elizabeth Ayoola are joined by news colleague Rick VanderKnyff and Gary A. Officer, president and CEO of CWI Works, to dig into the real challenges facing older workers today. They cover why age discrimination costs the U.S. economy an estimated $850 billion a year, how AI anxiety is hitting older workers in physically demanding jobs hardest, why the barriers to re-entering the workforce after retirement are steeper than most people realize, and what a 27% long-term unemployment rate among older Americans says about who the job market is actually built for. When you're expecting your first baby and planning to leave the workforce, how do you know your finances are truly ready for the shift to one income? Sean and Elizabeth sit down with listener Paige, who has over a year of expenses saved and around $100,000 in retirement funds but is still anxious about the jump. They tackle the specific decisions she's wrestling with: what to do about retirement contributions when one partner stops working, which expenses could be safely cut before baby arrives, whether her current life insurance coverage is adequate for a growing family, and how to build a realistic picture of what her budget could look like once the paycheck disappears this fall. Use NerdWallet's 50/30/20 budget calculator to see how your needs, wants, and savings stack up: https://www.nerdwallet.com/finance/learn/nerdwallet-budget-calculator  Estimate how much life insurance your family could need with NerdWallet's calculator: https://www.nerdwallet.com/insurance/life/learn/how-much-life-insurance-do-i-need  Subscribe to our podcast's free email newsletter for bonus content and more from our hosts at https://smartmoney-nerdwallet.beehiiv.com/  Want us to review your budget? Fill out this form — completely anonymously if you want — and we might feature your budget in a future segment! https://docs.google.com/forms/d/e/1FAIpQLScK53yAufsc4v5UpghhVfxtk2MoyooHzlSIRBnRxUPl3hKBig/viewform?usp=header Smart Money's YouTube Channel: https://youtube.com/@nerdwalletsmartmoney To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email podcast@nerdwallet.com. Like what you hear? Please leave us a review and tell a friend. *The show notes were created with the assistance of AI. They have been reviewed by our editorial team for accuracy and quality. Learn more about your ad choices. Visit megaphone.fm/adchoices

Whether you're visiting one of the 63 national parks this summer or just hitting a local trail, a lot of the best practices for a great hike apply just as well to your retirement plan. Let's “walk” through a few. Important Links: Website: http://www.yourplanningpros.com Call: 844-707-7381   ----more---- TRANSCRIPT:  Marc: This week on Plan with the Tax Man, maybe you're visiting one of our national parks this summer or just out hitting the local trail. And if you are, we have some best practices for a great hike that apply just as well to your retirement plan. So let's walk through a few of these with Tony Mauro. Hey everybody. Welcome into the podcast. This is Plan with the Tax Man, with my friend Tony Mauro. How you doing buddy? Tony Mauro: I'm doing good. Marc: Yeah? Tony Mauro: Midst of summer. Marc: Yeah. Tony Mauro: It's all good. Marc: I'm telling you what, it's been crazy, incredible hot. Look folks, little FYI out there. If your AC unit fails you during the really hot months, be very, very careful because apparently mold can build in the ducts quickly when the humidity is high and the AC's not working, go figure, even though the AC's not working because the water and condensation that sits in there while waiting to get it repaired apparently turns to mold. So a little FYI because it's expensive to fix it. Tony Mauro: Yeah. Marc: And that might be a retirement expense, Tony, that you just didn't see coming, right? Tony Mauro: You didn't see coming. You better have to depend on the emergency fund. Marc: Exactly. Right. So we're always trying to provide useful nuggets of information on this podcast. But we're going to have some fun this week. Tony, I know you like to travel. I know you like to go a lot of places. Do you visit the national parks? Do you do some of that stuff? Tony Mauro: The reason that I want to talk about this, because I was just out in a couple of them last week. Marc: Oh. Tony Mauro: I had to go out to South Dakota for a wedding, and so we stopped at the Badlands National Park. Marc: Nice. Tony Mauro: And it wasn't really a park, but Mount Rushmore. But I have been to other national parks out. I've been of course to Yellowstone and a couple of others. A lot of them I still want to see, and they're very interesting. I will say- Marc: You have been at Yellowstone or not? I though you had. Tony Mauro: I have been to Yellowstone. Marc: Oh okay. Tony Mauro: Yeah. Marc: Yeah. Okay. Tony Mauro: I still have a few on my list. Zion and Bryce And some of those, but I do like to hike. I'm an amateur. Marc: Yeah. I want to go to Denali. That'd be cool. Tony Mauro: Yeah, Denali. Marc: Yeah. Or McKinley, whatever it used to be called, either way. So look, do you know how many national parks we have, by the way? There's a lot. Tony Mauro: I don't. Marc: There's a lot. 63. Tony Mauro: Is that how many? 63 national parks. Marc: Yeah. 63 national parks. Some are really big, obviously, and some are really small. I think Hawaii's got a couple. I think California's got like six, but yeah. So there's different sizes and stuff out there. So anyway, a lot of people like to visit these things as a summer thing with the kids or grandkids maybe. So we'll talk a little bit about some analogies. I'll let you spin some financial wisdom to my setup for the park conversation. So we'll start with a map. Don't leave home without a map. I know we got these cell phones and that we're attached to them now, Tony, but you might not get signal in some of these bigger parks. And if you think about it, a lot of the gates when you go into some of these national parks, the first thing a ranger does is tell you a couple things and they hand you a map. Tony Mauro: That's what they did to me. Yeah. Marc: Exactly. And that's the same thing. It's to help keep you oriented. Same thing with a financial strategy. It's to help to keep you oriented and focused. Tony Mauro: It is. I mean, the financial plan, if you have a formal one, I mean, that's your backbone. That's the map itself. And just like when I was... We did a little hike in the Badlands on our own and they gave us a map to make sure we stayed on the trails and stayed on... I equate that to just like in the financial planning world, stay on track and make sure that you're following your map as best you can. So out there in the Badlands, if you get off the trails, a lot of bad things can happen quickly. Marc: Yeah. Tony Mauro: In the financial world, it's going to be a slow burn if you get off track, but over time you get off track too much, and what's going to happen is you get to the end and you are not going to be where you though you were going to be. Marc: Mm-hmm. Yeah. Tony Mauro: And so with this plan, as it changes and whatnot, it's not like a static map that you'd be holding in your hand with hiking. Marc: Sure. But if you get a little off course, it might help you get back on. Or even those reviews serves as almost like a check-in spot. Maybe you're going on a really long trail through the parks and it's like, "Hey, we're going to stop at this little whatever this thing is." And there's a map there because maybe they've made some changes or who knows? Tony Mauro: Yeah. In our annual reviews, I mean normally the plan changes a little bit every year, if nothing else, just with a little bit of goal modifications and things like that. And then of course, maybe even rebalancing. Marc: Well, life's going to throw something at you. Tony Mauro: Life's going to throw something at you. I was just telling you before this call, life threw something at one of our clients. They've got parents going into, one's got dementia and had got to go in a nursing home with no plan. And boom, all of a sudden life changes quickly. Marc: Yep. Tony Mauro: All the better to have a map and to be following it. Marc: For sure. For sure. Well, and unfortunately, Tony, one of the problems that we run into often when we go to these lovely, beautiful national parks because our country is full of amazing locations, is unfortunately there's other people. And people don't do the best job of always picking up after themselves. So when you go to just about every national park, there's signs everywhere. "Please do not leave your garbage. Please do not do the..." Like at Yellowstone, we were just talking about that. At the sulfur pools, "Don't throw cans in the sulfur pools," things like that. Just crazy stuff that you think, hello, common sense. We should not do this. Ultimately, the message is don't leave a mess behind. And financially, same kind of thing. I mean, when we're no longer here, are we leaving a mess for our family? Tony Mauro: Yeah. And that's what I was just on the call with is that this family's mother and father are going to leave them a mess, and they didn't plan for it. And you don't want to leave your loved ones when you're gone. I'm already talking. I'm working through it myself with my wife at our life list. Something happens to one of us, we don't want to leave a mess for our son. And that means knowing where everything's at and how to close things out and what's going to go where. It's hard enough for loved ones when you're gone dealing with all the emotions. You don't want to leave them with a financial mess. And that goes from everything from no will to outdated wills, no beneficiaries on certain things, keeping all your stuff secret. I think you need to be more transparent with your heirs to make sure that you don't leave them with this and let them know what the plans are. You don't have to share every detail of every cent that you have, but I think you should leave something for them to help them when the inevitable happens. And then you're not going to be blindsided. Marc: Yeah. Yeah. I mean, and sometimes there's a lot of little things too. Unfortunately, big situations like the one you're currently dealing with there, but there's the little things people can do to not leave a mess. I mean, even something as simple as your TODs or PODs on some of your different accounts. A lot of times people don't even think about that. They got a bank account, maybe they got 50, 60, 70 grand sitting there and they forgot to put transfer on death to their spouse or whatever. So just a mess. Just make it easy when we pass on, because we're all going to pass on. Try to make it as easy as possible and leave no mess behind. The scenic route. A lot of times we go to these national parks, we love to do the scenic route. Lots of things can get in the way. It's fun to do the scenic route, but sometimes you're just tired. You want to take the quickest route too. And I think when you're thinking about retirement, sometimes it's easy, Tony, to be like, oh man, what's the fastest way to get me some more income or take advantage of this crazy market run that we've been on or whatever. So the scenic route could be the way to go. Sometimes the faster way is the way to go. It just depends. Tony Mauro: It does depend. And it depends on going back to the first thing we talked about is your map and really what's going on. What we see mostly is clients wanting the fastest way. And you hit it on the head is what's the fastest way I can get to X amount because they think that's... And what they end up doing is, without a good plan, they could end up taking a lot of risk. They could end up really shooting themselves in the foot a little bit because there's all kinds of things out there. Anything from the volatility in the markets, what's going on in the world politically. And then of course dumbing it down a little bit, just not dumbing it down, but shrinking it down to what's going on in their personal lives. You're going to have things that pop up at you that scenic route may be the better route. Our jobs as advisors is trying to mesh the scenic route with the fastest route and get the best of both of them according to whatever that person is after. Because most of the time patience and the discipline win the race rather than trying to shortcut and use time to market, for example. And then the next thing you know, you've lost a lot of money. Marc: Yeah. I mean, patience and discipline right there. Whether you're hiking and out in nature or dealing with your finances, it's important. You get too ahead of yourself out on the trail or you get too irresponsible, you could come across some wildlife that's not happy to see you, you could lose your footing and tumble down a hill or whatever. So certainly want to be careful there. And pack light, Tony, where you can whenever you're hiking. Anybody who's ever gone hiking or whatever knows that the more you weigh yourself down, the slower it's going to be, the more tired you are. So you keep the clutter to a minimum. And as we age financially, we start, I think not only just financially, but in every aspect we're like, "Ugh, we got too much crap. Let's start getting rid of some of it." And I think financially that happens too, right? Maybe consolidation becomes a higher priority and whatnot. Tony Mauro: I think so. I think as you get closer to retirement, you definitely want to start packing a little lighter. And it's funny because we were just out on, like I said, when we hiked last week, and I'm an amateur hiker. We don't do anything too strenuous, but we're still up on some rocks and things. I'm thinking to myself, I'm getting older. I need to slow down a little bit, make sure I assess these risks because I'm not 25 anymore. Marc: My wife would love to hear you say that. She does risk assessment for a living. Anytime someone says, "I got to assess some risks," she's very, very happy. So kudos to you. Tony Mauro: Yeah. And we're just looking at each other, it's like we're off the edge of a cliff here. And if we were to loose rocks or something, then we have an emergency. Marc: Yeah. Or it's over. Tony Mauro: Yeah, or it's over. Marc: Right. Tony Mauro: But I do like, when I hike, I do like to pack light. And I would say getting that over to the financial arena really is, as you age, get a little closer, it's a good thing to work with your advisor to consolidate accounts. Obviously try to get rid of all high interest debt if you can. I like to say to people, "You want to be debt-free by 65. Maybe you've got some old policies just like you got some old subscriptions that everybody always talks about that you're paying for that are no longer a use to you." All these exercises to clean up your financial life and make it as simple as possible when you retire so you know where everything's at, income's coming in predictably, and you don't have to stress out about it. Marc: Yeah. There you go. God stuff for sure. So consolidation and pack light financially is certainly a good idea. The final piece of this conversation, Tony, is that sometimes people will say, "Look, you just said there's 63 of these things. And if you've seen one of them, you've seen them all." Yosemite and Denali are completely different, right? Acadia and Zion, so on and so forth. And the itinerary outlined on the travel books, it may work for one park, but not for another or one family and not for another. And that's a super easy way to do a comparison to retirement. Tony, you've helped a lot of people retire and you could probably easily say, "If I've built one retirement strategy, I've built them all. They're all the same," but they're not because everybody's totally different. Yeah, taxation. Yeah, social security. Yeah. Income. There's the big ticket items you got to certainly do in every plan, but how you do it and in the ways that you do it is unique from person to person, just like a park. Tony Mauro: Just like a park. I mean, for those that say, "Well, we're going to use a robo-advisor or just pick some things out." Well, that's just generic. And will that work? Potentially, yes, but you really don't know if it will. And I believe that there's still a human touch in all of this. And what works for somebody on one end may be completely different for somebody else because, A, they may not have the same resources and income and assets, and maybe they don't even want all that. Somebody else might want something totally different. So I think that's where the planner can be of some value and that's why you're paying them is to lend that kind of thing and really create a plan for you rather than just everything's the same. Because I've only been to a few national parks and I can tell anybody that hasn't been, outside of, make sure you visit a few, they're completely different. Marc: Yeah. Tony Mauro: And they're completely unique. And I usually don't plug the federal government, but I will say that the parks that I've been to, including this one, are extremely well ran, extremely clean, and extremely just organized. And so why wouldn't we want to have that in our financial life as well? We've been talking about it for this whole call. I mean, that's what it's all about. Marc: Yeah, here, here. Well, look, the people who get the most out of their vacations, their national park trips, whatever it might be, aren't the ones that show up and figure it out the gate. Maybe. And maybe that just like retirement, it's such easy to make these analogies. You might, "Hey, we're going to go to the national park and just wing it today." And if you're 25, you can probably pull that off with ease. But when you're 65, you do not do that, right? Tony Mauro: No. Marc: You've probably done the research, mapped the trails, or at least know what you're going to be getting into before you get there. And retirement clearly, again, works the same way. A little prep goes a long way to making sure that you get the things out of it that you were hoping to get out of it. And that could not be more true when it comes to a financial strategy. So as always, if you need help folks, reach out to qualified professionals like Tony. He's a CPA and a CFP and an EA of 30 plus years in the industry. He helps clients all over the place, not just in Iowa. He helps clients all over. He's got clients in different states as well. So if you're checking out the podcast and you need to have a conversation for yourself, reach out to him, have a chat, see if he's a good fit for you and vice versa. You can find him at 844-707-7381, 844-707-7381, or go to yourplanningpros.com. That is yourplanningpros.com. Lots of good tools, tips, and resources there. And don't forget to subscribe to the podcast, Plan with the Tax Man. Lots of podcasts out there, but we try to hopefully provide you with some fun, a little bit of humor, a little bit of educational content, some nuggets of good information to help you get along your way towards retirement. And with that, Tony, thanks for hanging out, brother, and breaking it down as always. Tony Mauro: You bet. We'll see you on the next one. Marc: We'll see you on the next time here on The Plan with the Tax Man with Mr. Tony Mauro, Des Moines Professional Alternative at Tax Doctor Inc. We'll catch you next time. Securities offered through Avantax Investment Services SM Member M FINRA SIPC Investment advisory services offered through Avantax Advisory Services Insurance services offered through an Avantax affiliated insurance agency Investment strategies discussed in this episode may not be suitable for all investors. Please consult with a financial professional.

Celso Muñoz, Portfolio Manager of Fidelity Strategic Income Fund, joins us to discuss the evolving fixed income landscape and where he sees the most compelling opportunities today. Drawing on a diversified approach that spans high-yield credit, U.S. Treasuries and emerging markets debt, Celso shares how he balances income generation with downside protection. Recorded on July 17, 2026. At Fidelity, our mission is to build a better future for Canadian investors and help them stay ahead. We offer investors and institutions a range of innovative and trusted investment portfolios to help them reach their financial and life goals. Fidelity mutual funds and ETFs are available by working with a financial advisor or through an online brokerage account. Visit fidelity.ca/howtobuy for more information. For a fifth year in a row, FidelityConnects by Fidelity Investments Canada was ranked #1 podcast by Canadian financial advisors in the 2025 Environics' Advisor Digital Experience Study. -- Revenu stratégique et titres de créance mondiaux – Celso Muñoz Celso Muñoz, gestionnaire de portefeuille du Fonds Fidelity Revenu stratégique, se joindra à nous pour discuter de l'évolution du secteur des titres à revenu fixe et des occasions qui, à son avis, sont les plus intéressantes dans le contexte actuel. S'appuyant sur une approche diversifiée axée sur les titres de créance à rendement élevé, les obligations du Trésor américain et les titres de créance des marchés émergents, notre expert s'exprimera sur l'équilibre entre la génération de revenu et la protection contre le risque de perte. Pour une version avec des sous-titres français, veuillez consulter https://youtu.be/VhOjPDyYHcg Date : 17 juillet 2026 Chez Fidelity, notre mission consiste à aider le public investisseur canadien à se bâtir un meilleur avenir et à rester à l'avant-garde. Nous offrons aux particuliers et aux institutions une gamme de portefeuilles de placement innovants et fiables pour les aider à atteindre leurs objectifs financiers et personnels. Les fonds communs de placement et les FNB de Fidelity sont offerts par l'intermédiaire des conseillers et conseillères en placements et de comptes de courtage en ligne. Pour de plus amples renseignements, visitez fidelity.ca/commentinvestir. Les baladodiffusions DialoguesFidelity se sont classées au premier rang pour une cinquième année consécutive lors du sondage 2025 d'Environics sur l'expérience numérique des conseillers et conseillères en placements au Canada.

This week's episode dives into the shifting macroeconomic landscape, analyzing how geopolitical tensions in the Middle East and fluctuating oil prices are impacting both equities and crypto markets. Despite short-term volatility, institutional buying continues to drive strength across major tech earnings, while regulatory milestones like the Crypto Clarity Act set the stage for massive institutional adoption, particularly for assets like Ethereum.Beyond the stock and crypto markets, smart money is rotating back into commercial real estate as transaction volumes rebound 26 percent year-over-year. As retail investors exit struggling syndications, well-capitalized funds are deploying dry powder to acquire distressed assets, signaling a powerful wealth-building opportunity for operators ready to capitalize on market capitulation and emerging value plays.KEY TOPICS DISCUSSEDGeopolitical impacts on market volatility and oil pricesS&P 500 earnings season expectations for major tech companiesSpaceX valuation drops and the future of trillion-dollar IPOsThe Crypto Clarity Act and the push for digital asset regulationInstitutional capital flowing into Ethereum over BitcoinCommercial real estate transaction volumes rebounding 26 percentSmart money acquiring distressed retail syndication assetsThe rise of educational finance influencers in modern mediaKEY TAKEAWAYSStaying fully invested during volatile periods is critical, as missing just a few of the best trading days can severely diminish long-term portfolio returns.The Crypto Clarity Act will likely flush out thousands of useless meme coins while funneling institutional trillions into established utility networks like Ethereum.Real estate investors must transition from a buy-and-hold mindset into an operator mindset to drive income and reduce expenses in a higher-rate environment.Commercial real estate is seeing a 26 percent increase in transactional volume as frustrated retail investors capitulate and smart money steps in to buy at market value.Wealth generation requires holding equity in real assets or businesses, as it is becoming mathematically impossible to out-earn inflation by simply selling your time.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.

Send us Fan MailIn this Season 7 episode of ETF Battles, Ron DeLegge ‪@etfguide‬ referees an audience requested battle between FLSP, IALT, and QIS, pitting these defensive quant-driven income ETFs against each other in this triple header battle. Program judges Shana Sissel from Banríon Capital Management and John Davi at Astoria Investment Management analyze this audience requested triple header. Each ETF is judged against the other in key categories like cost, exposure strategy, performance, yield and a mystery category. Find out who wins the battle!#ETF #income #investing 

Most real estate agents are not failing at open houses because the strategy is outdated. They are failing because they show up without a system. The real opportunity begins before the doors open and continues after the last visitor leaves. In this episode, Tim and Julie Harris explain the pre-open, during-open, and post-open system they have taught agents for more than 20 years. They break down how to select the right property, why move-up homes can create both buyer and seller opportunities, and how an organized open house plan can strengthen your listing presentation. You will learn how to find an open house when you do not have listings of your own, how to use directional signs and neighborhood door-knocking to generate conversations, and how to identify nearby FSBO and expired listing opportunities. You will also learn why agents should prepare alternative properties before the event, how to convert visitors into future appointments, and why same-day follow-up is critical. Open houses are not passive events. They are structured lead-generation opportunities for agents willing to prepare, communicate, and execute at a high level. This is the kind of practical coaching and career development serious agents receive through Tim and Julie Harris, eXp Realty, and Libertas. Free training: HarrisRealEstateDaily.com Coaching: PremierCoaching.com Join eXp + Libertas: WhyLibertas.com/Harris Text Tim Direct: 512-758-0206 Opinions are my own and not the views of eXp Realty. Income results are not typical. Individual results will vary.

Income, Impact, Lifestyle July 19, 2026 | Episode 5501 Host: Scott Smith Episode Description Hope you had a great weekend. I can feel fall coming, and I'm up to something with a credit card I'll tell you about another day. Today I'm sharing the one thing I work on with almost every client I've ever had. It comes down to three words: income, impact, and lifestyle. Every real goal lives at that intersection. I'll show you why I lead with money, how to run the actual numbers instead of the vibe, and how time compression turns someday into a date on your calendar. Let's get to it. Featured Story Somebody comes to me and says, Scott, I want to have an impact on the world. Great, I say. What's your idea? They tell me, and I love it. Let's build it. Then I ask the question nobody expects. How much money you got? Not because I want it — I want the runway. How long do you have to make this work? I can last maybe three weeks, they say. I've heard that answer before. And I tell them the truth: let's not even start. You're not ready yet. You need more runway before that dream has a chance to breathe and pay off. Important Points * Every real goal lives at one intersection: what you earn, the mark you leave, and the life you live while you do it. * Lead with income. It doesn't matter most, but it clarifies everything and gets you to the impact and lifestyle faster. * Run the real numbers with taxes and monthly burn. Do it once, and someday becomes an actual date on your calendar, so you can see when it starts paying off. Memorable Quotes * Every single big goal you have lives right at the intersection of three things: income, impact, and lifestyle. * I want the runway, not the money. What really matters is how long you've got to make this whole thing actually work. * Most people never do the math on their dream. They wing it, or worse, they put the whole thing on a credit card. Scott's Three-Step Approach * Start with a goal so big you can't see a ceiling, the kind you can scale forever without ever getting trapped in a cage. * Then figure out the income first — the cash, the runway, the burn rate — so the whole dream finally stops being a vibe and starts paying off. * Finally, compress the timeline from ten years to two, and watch what that pressure forces you to act on today so the payoff comes sooner. Chapters 0:01 - The nicest renegade and a credit card secret 1:01 - The two I's and the L that run everything 2:36 - Every big goal lives at one intersection 4:00 - Why I always lead with the money, not impact 5:06 - Run the real numbers instead of the vibe 5:49 - Compress ten years down into two or three 8:04 - Financial planning attached to your dreams Connect With Me Search for the Daily Boost on YouTube, Apple Podcasts, and Spotify * Email: support@motivationtomove.com * Main Website: https://motivationtomove.com * YouTube: https://youtube.com/dailyboostpodcast * Instagram: https://instagram.com/heyscottsmith * Facebook Page: https://facebook.com/motivationtomove * Facebook Group: https://dailyboostpodcast.com/facebook Learn more about your ad choices. Visit megaphone.fm/adchoices

Learn how couples can budget around inconsistent income and navigate the financial and emotional strain it can create. What can you do when your partner's income is too unpredictable to plan around? Hosts Sean Pyles, CFP®, and Elizabeth Ayoola answer a question from a listener who is struggling to cover household bills because her spouse's income fluctuates week to week. They examine the financial mechanics of the situation — from which budgeting frameworks could bring more stability to an irregular income household, to whether separate accounts might protect your finances, and what to consider when the budget feels like there's nowhere left to cut.  Then, they get into the messier emotional questions: how this kind of financial imbalance could shift the power dynamic in a relationship, what a "funder and beneficiary" dynamic looks like and when it tips into unhealthy territory, and what it takes to have honest money conversations with your partner before financial stress erodes the trust between you. Sean and Elizabeth also draw on NerdWallet's 2026 Dating Dealbreaker survey, which found that 46% of Americans say a partner asking to borrow money is a dealbreaker in a romantic relationship. Sign up for the Smart Money newsletter for bonus content and behind-the-scenes updates from Sean and Elizabeth: https://smartmoney-nerdwallet.beehiiv.com/  Survey: 17% of Americans Say Credit Card Debt is a Dating Dealbreaker https://www.nerdwallet.com/finance/studies/2026-dating-dealbreakers  Want us to review your budget? Fill out this form — completely anonymously if you want — and we might feature your budget in a future segment! https://docs.google.com/forms/d/e/1FAIpQLScK53yAufsc4v5UpghhVfxtk2MoyooHzlSIRBnRxUPl3hKBig/viewform?usp=header Smart Money's YouTube Channel: https://youtube.com/@nerdwalletsmartmoney To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email podcast@nerdwallet.com. Like what you hear? Please leave us a review and tell a friend. *The show notes were created with the assistance of AI. They have been reviewed by our editorial team for accuracy and quality. Learn more about your ad choices. Visit megaphone.fm/adchoices

Are you an overachieving corporate director, VP, or senior AE who is completely exhausted from burning the candle at both ends trying to launch a side business?   In this empowering solo episode, host Billy Keels speaks directly to high-performing multinational professionals who feel stuck and overwhelmed by the sheer friction of balancing key performance indicators (KPIs) with their entrepreneurial dreams. Billy unpacks the common trap of building a side venture on a shaky, "sandy foundation" and introduces the exact three-step optionality equation required to transition from corporate dependence to true path control. Learn how to gain quantifiable clarity over your goals, integrate your career to deliver high-quality outcomes in fewer hours, and safely scale independent, predictable streams of income so you can walk into the office entirely by choice, not out of necessity.  

YieldMax's Mike Khouw breaks down how the firm's options-income ETFs use call spreads to generate income while maintaining exposure to a stock's upside potential. He discusses the role of volatility in the strategy, the appeal of weekly distributions, and growing investor interest in single-stock ETFs tied to names like Nvidia (NVDA), Tesla (TSLA), and SK Hynix (SKHY).======== 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

You don't have an INCOME problem. You have an OUTGO problem.Proverbs 13:7 Some who are poor pretend to be rich; others who are rich pretend to be poor.Proverbs 22:7 Just as the rich rule the poor, so the borrower is servant to the lender.Servant: ebed; a SLAVE, in BONDAGE3 Biblical Values to Live Out Financially1. Embrace the value of SELF-CONTROL.Proverbs 25:28 A person without self-control is like a city with broken-down walls.Learn to say NO for a little while in order to say YES later in life.Live like NO ONE else so that one day you can truly live like NO ONE else.2. Embrace the value of SACRIFICE.Hebrews 12:2 We do this by keeping our eyes on Jesus, the champion who initiates and perfects our faith. Because of the joy awaiting him, he endured the cross,We give up something we LOVE for something we love EVEN MORE.3. Embrace the value of PLANNING.Luke 14:28 Suppose one of you wants to build a tower. Won't you first sit down and estimate the cost to see if you have enough money to complete it?Before you PAY for it, PRAY for it!Proverbs 21:5 Good planning and hard work lead to prosperity, but hasty shortcuts lead to poverty.You can wander into DEBT, but you won't wander OUT.Proverbs 6:5 Free yourself, like a gazelle from the hand of the hunter, like a bird from the snare of the fowler.

Have you got a plan if your income stopped tomorrow? Shani runs through hers.You can find the full article here.You can find the article for the order to liquidate assets here.Would you like more free insights from Mark, Shani and the rest of the Morningstar team? You can find them here.A message from Mark and ShaniFor the past five years, we've released a weekly podcast to arm you with the tools to invest successfully. We've always strived to provide independent, thoughtful analysis, backed by the work of hundreds of researchers and professionals at Morningstar.We've shared our journeys with you, and you've shared back. We've listened to what you're after and created a companion for your investing journey. Invest Your Way is a book that focuses on the investor, instead of the investments. It is a guide to successful investing, with actionable insights and practical applications.The book is now available! It is also available in Audiobook format from most sellers.Purchase from Amazon or Purchase from BooktopiaTo submit any questions or feedback, please email mark.lamonica1@morningstar.com or leave us a voicemail to feature on the podcast here.Audio Producer and mixer: William Ton. Hosted on Acast. See acast.com/privacy for more information.

We review some top Income ideas, the Quantum Computing space, and the recent pullback in Semiconductors.  We also review the new Trump Accounts for minors and tell you how they work and how to get started.

For four decades, real estate investors built incredible wealth simply by holding assets as the 10-year Treasury yield plummeted from 15.68% in 1981 to near zero in 2020. This long-term interest rate tailwind artificially compressed cap rates and drove massive property appreciation, rewarding passive ownership over actual operational skill.That 40-year economic cheat code is officially over, and the market will no longer automatically generate wealth for passive landlords. To survive this new landscape, investors must pivot away from speculation and focus on active operation, forcing net operating income (NOI), and securing favorable debt structures to protect and grow their capital.KEY TOPICS DISCUSSEDThe historical impact of the 10-year Treasury on commercial real estate valuations.Why the 40-year buy and hold real estate wealth cycle has effectively ended.Commercial real estate cap rate compression and net operating income fundamentals.Transitioning your mindset from a passive landlord to a skilled real estate operator.Specific strategies for forcing appreciation and increasing property income streams.The severe danger of utilizing floating rate bridge debt in high-interest environments.Investing in necessity-based retail and demand-driven commercial real estate assets.KEY TAKEAWAYSAsset values over the last several decades were historically driven by falling interest rates, not operational genius.You must conservatively underwrite real estate deals for today's current interest rates, avoiding the trap of hoping for future rate cuts.Wealth is now generated by actively increasing Net Operating Income (NOI) through strategic property improvements, leasing, and expense reductions.Protect your capital by strictly buying assets at a basis that falls well below their current replacement cost.Avoid relying on financial engineering and instead invest in asset classes with strong, inherent consumer demand acting as a natural backstop.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.

Here's why most content creators never make a full-time income and how you can learn from their mistakes to build a thriving online business. Get 90% off FreshBooks for 3 months: https://partner.freshbooks.com/latasha Thanks to FreshBooks for sponsoring this video!

Physical therapists spend years learning how to help people—but almost no time learning how to reach them.Jimmy McKay is joined by Tony Maritato and Dave Kittle to unpack what actually works on social media for physical therapists, clinic owners and students. Tony shares how simple Facebook posts generated more than a million views and approximately $2,000 in ad revenue over 28 days. Dave explains how clinicians can turn their online presence into local patients, professional leverage and a stronger career.The crew also debates whether creators should optimize for algorithms, audiences or actual business results—and why polished production may be less effective than simply pulling out your phone and hitting record.This episode covers:Why PT students should build a personal brand before graduationHow simple clinical content can outperform polished videosThe rise of micro-influencers and performance-based clippingWhy reach and relevance are differentFacebook monetization versus selling services directlyHow content can help clinicians attract patients and negotiate raisesWhy communication may become one of a clinician's most valuable skillsFeaturing Tony Maritato, Dave Kittle and Jimmy McKay.

Everyone talks about manifestation like it's vision boards and positive thinking.This episode is different.In this episode: → Why you can get results but can't keep them and what's actually causing the cycle → How your nervous system inherited patterns from your environment and how to upgrade it → Why affirmations alone don't work and what to do instead → What happens when you start doing real identity work and why nobody warns you about it → How to design a life that feels as good as it looks — body, money, and everything in betweenSupport the showHosted by Casey Shipp — 3000+ transformations, Self-Made Millionaire, High Priestess, Writer, Fitness Cover Model, and Founder of the Hotbody App.$30M client wins | $7.8M sold onlineRich isn't rare. Category of one is.

The Break Room (THURSDAY 7/16/26) 8am Hour 1) Turns out the more money you make, the LESS likely you are to have one of these on your body 2) It would be nice if someone could tell us exactly how dangerous it is to go outside today 3) A double whammy weekend for Buffalo sports fans

Do you tell yourself you don't have enough time to build something on the side, on top of everything you're already carrying?Do you find yourself scrolling, waiting, or filling small pockets of your day without ever noticing where that time actually goes?Have you ever started building a business or an additional income stream, only to watch it stall the moment life got busy again?In this practical, behind-the-scenes episode, I share the exact time-blocking method I used to build my coaching and consulting business while working full-time as an in-house lawyer, raising two small children, and being a wife. I started building back in 2016 while on maternity leave, and when I went back to work, I had to figure out how to keep growing what I'd started without dropping the balls that already mattered most. What I learned wasn't about squeezing more into my day. It was about protecting what actually mattered and being intentional with the time I already had.This is the method that's allowed me to release over 320 podcast episodes, build multiple income streams, and attract clients from all over the world, even in the busiest seasons of my life.What you will learn in this episodeHow to audit your time before you try to find more of it. Most of us feel like we don't have enough time, but the truth is there are pockets being lost every day, in scrolling, in waiting, in low-intention moments. Tracking where your time actually goes for a week or two reveals exactly where you can reclaim it for what you're building.Why you have to prioritise what actually moves the needle. When you're building something new, everything can feel urgent, but not everything deserves your time. Learning to prioritise revenue-generating activity over the busywork that feels productive, like perfecting a website or researching endless tools, is what actually creates momentum.How to use time blocking to protect your energy. Deciding in advance when you work on your business, and putting it on the calendar as a non-negotiable appointment with yourself, stops the constant mental drain of feeling like you should be doing something at all times. A colour-coded calendar system lets you see your whole life at once, without losing sight of any part of it.Ready to stop waiting for more time to appear and start building with the time you already have?If this resonated and you're navigating a career transition and ready to build on your own terms, come join us inside our email community. You'll get practical, real-world strategy in your inbox every week, straight from me. Join us here.Send us Fan MailInvest in Yourself and Your Career:Community — Join our Network for mid-career women redesigning what's next in their careersCoaching — Apply for The Portfolio Career Academy. Turn Your Expertise Into Multiple Streams of Income & Impact Through Building A Portfolio Career. Connect with me!Website: careerchangemakers.comEmail: podcast@careerchangemakers.comLinkedIn:  Janine EsbrandInstagram: @careerchangemakerspodcastCareer Change Makers on Apple Podcasts

You know those moments where you hit a wall and you blurt out in exasperation, "I don't think I can do this. I'm not even sure God wants me to!" That question is more common than you think, and today we're going deep on it. I'm breaking down the difference between a skill gap and a calling gap, because those two things feel similar on the surface but they are not the same. One means you need to learn something. The other means you might need to have an honest conversation with God about your assignment. We also talk about why struggle is not automatically a sign that you're in the wrong place, why some people are genuinely not built for entrepreneurship (and why that is not a failure), and how to tell the difference between a season that's hard and a season that's hollow. I share some personal stories in this one, including a dinner conversation that stopped me in my tracks and a season of my own life where I had to lay something down that I really thought was from the Lord. My goal for you in this episode is clarity. By the time you finish listening, you should have a stronger sense of whether your frustration is hiding a skill problem or a calling problem. And to help you go even deeper on that, I put together a free audit for you. It walks you through the key areas of your business so you can pinpoint exactly where your gaps are and what to do about them. Download the free audit in the link below and let's get you some clarity. CLICK HERE TO DOWNLOAD   TIMESTAMPS 00:00:01 - Welcome to Wisdom's Table Introduction to the podcast and its purpose. 00:00:27 - Responding to Listener Questions Discussion on the question of being called to business. 00:01:09 - Understanding Struggles in Business Exploring the difference between being called to business and facing common struggles. 00:02:01 - The Need for Income vs. Calling Differentiating between the necessity of income and the calling to entrepreneurship. 00:02:43 - The Dichotomy of Fulfillment The challenge of achieving fulfillment in work and the struggles that come with it. 00:03:36 - Identifying Gaps in Your Business Understanding skill gaps versus calling gaps in your business journey. 00:04:38 - Skill Gaps Explained Defining skill gaps and how they affect business performance. 00:05:30 - Recognizing Calling Gaps Understanding what a calling gap feels like and its implications. 00:06:52 - The Role of Desire in Calling Discussing the importance of desire and fulfillment in following God's calling. 00:08:17 - The Hardship of Business Ownership Acknowledging the challenges and pressures of being a business owner. 00:09:49 - Choosing Your Hardship The importance of choosing the type of hardship you want in your work life. 00:10:55 - Personal Fulfillment in Work Sharing personal experiences of fulfillment in work and the journey to get there. 00:12:08 - Creating Your Ideal Work Life Encouragement to envision and create a fulfilling work life. 00:13:11 - The Value of Stability Discussing the decision to seek stable income versus entrepreneurship. 00:14:04 - Understanding Your Calling Exploring how to discern if you are called to business or not. 00:15:28 - The Pressure of Business Ownership Discussing the unique pressures faced by business owners. 00:16:30 - Redefining Failure Challenging the notion of failure in the context of business and personal capacity. 00:17:47 - The Difference Between Hobby and Business Understanding the distinction between a hobby and a viable business. 00:20:50 - Finding Clarity in Your Calling Encouragement to seek clarity on whether you are called to business. 00:21:32 - Resources for Skill Development Offering a guide to help identify skill gaps and improve business fulfillment. 00:22:25 - Conclusion and Next Steps Wrapping up the episode and inviting listeners to engage further.

Most people believe they need to earn more money before they can build lasting wealth.The truth? Many families already have the resources they need—they simply don’t know where to look. In this week’s Private Banking Strategies Podcast, Vance Lowe walks through what actually happens during an exploratory strategy session and why so many people discover opportunities hiding inside their existing financial life. You’ll learn how experienced wealth strategists identify trapped capital, restructure inefficient cash flow, and create a roadmap toward long-term financial freedom. Real wealth isn’t created by working harder. It’s created by directing every dollar with purpose. If you’re serious about creating generational wealth, this episode is your starting point. Visit: www.privatebankingstrategies.com To learn more about Private Banking Strategies®, download a copy of our E-book today: https://privatebankingstrategies.com/resources/free-e-book/  To Schedule a Call with Vance, Click the Link Below: https://go.oncehub.com/VanceLowe

June CPI data just delivered the biggest monthly drop since 2020, signaling that aggressive Federal Reserve interest rate hikes may be permanently off the table. With inflation cooling down due to retracting energy prices, the stock market is showing heavy resilience despite lingering geopolitical tensions and an ongoing affordability crisis across the United States.We also dive into the exploding space economy with our long-term bullish outlook on SpaceX stock following recent pullbacks, alongside the rising risks in private credit defaults. Finally, we cover upcoming legislative catalysts for the crypto market, real-world asset tokenization, and the crucial difference between a surging stock market and everyday economic realities.KEY TOPICS DISCUSSEDJune CPI inflation data and energy price impactsSpaceX stock outlook and private space sector growthRising private credit defaults and high-yield debt risksUpcoming Q2 corporate earnings from major financial banksThe massive disconnect between stock market highs and everyday affordabilityNew cryptocurrency legislation and real-world asset tokenizationThe economic impact of AI data center capital expendituresKEY TAKEAWAYSThe economy is not the stock market. You can have a highly profitable stock market while everyday consumers face severe affordability crunches in housing, food, and energy.Cooling inflation and dropping CPI numbers are currently heavily tied to lower oil prices, removing the immediate threat of Federal Reserve rate hikes.Record highs in private credit defaults signal that investors should be cautious of chasing high-yield debt without proper collateral and structuring.SpaceX represents a massive long-term opportunity as it consolidates capital and innovates in global satellite internet, robotics, and aerospace.Building long-term wealth requires consistent, disciplined investing—even an automated $350 a month can compound into significant capital over time.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.

Eric Bernstein of LendFriendMTG.com explains how DSCR loans skip debt-to-income entirely for investors.Real estate investors and self-employed borrowers keep getting denied by conventional lenders, not because they can't afford the house, but because banks don't know how to read income that doesn't show up as a clean W-2. Eric Bernstein, founder of LendFriendMTG.com, joins Jack to break down non-QM and DSCR lending, the two paths built specifically for investors, freelancers, and anyone whose income looks different on paper than it does in their bank account.They cover how DSCR loans underwrite the property instead of the person, why hitting 10 conventional loans forces serious investors into DSCR, how short-term rental income can rescue a deal that fails the 1:1 ratio, and what documents to have organized before you ever apply. Eric closes with a real case study on a SpaceX executive who was denied by four major banks despite a strong income, then approved at 95% loan-to-value through a portfolio loan.Key topics:What non-QM lending is and who it's actually built forHow DSCR loans skip debt-to-income and underwrite the property insteadUsing Airbnb and short-term rental income to fix a failing ratioThe documents to have ready before you applyCase study: a $3.5M denial that became a 95% LTV approvalAbout Eric Bernstein:Eric Bernstein is the founder of LendFriendMTG.com and has spent over 10 years in the mortgage industry, specializing in non-QM, DSCR, and portfolio lending for real estate investors and self-employed borrowers across 16 licensed states.Links:

Want to close more deals WITHOUT being limited to your local market? In this episode, we dive deep into how real estate agents can expand globally, unlock new income streams, and build a scalable international business using co-marketing strategies and global partnerships. Learn how top agents are leveraging global real estate marketing, AI tools, and international networks to dramatically increase opportunities—even if you're licensed in just one state or country.    

You don't need to be on every platform to build a profitable business. You need one platform, a plan, and a list you actually own.Tracy Beavers is a business and sales coach who built her entire coaching business while working corporate full-time, raising teenagers who played every sport with a ball, and honoring a promise to her husband that she wouldn't touch their retirement until she had proof of concept. She had 5 to 10 hours a week. That's it. So she built a system that worked without her needing to be online 24/7.In this episode, we cover:Why visibility without strategy is just noise and noise doesn't pay the billsThe Minimal Viable Option: the least amount of content you need to grow your list and make moneyHow Tracy turned one weekly Facebook Live into a full-time income in 18 monthsWhy your email list is the only asset you actually own and what happened when Tracy got locked out of Facebook DMs during a launchHow to choose one platform and build a sustainable marketing system around your actual capacityWhat to do when you're too tired to show up but you promised yourself you wouldWhy stepping down gradually from corporate allowed her income to grow instead of dropThis episode is for you if:You've been told you need to be on every platform to grow and you're exhausted tryingYou're building a business with limited time, limited energy, or unpredictable capacityYou're creating content that gets engagement but not sales and you don't know whyYou're scared that if you slow down or disappear for a week your business will collapseYou want to know how to turn visibility into actual revenue without burning out or running ads

Text us your feedback or questions - we'd love to hear from you.Remember being convinced there were monsters hiding under your bed when you were a kid?Divorce finances can feel a lot like that. The more you avoid looking at them, the scarier they become. But when you finally turn on the light and take a look? Most of the time, they're just dust bunnies.If you've ever thought:I don't know enough about our finances. My spouse handles most the money. Where do I even start? What financial documents do I need for divorce? How am I supposed to figure all of this out? You're definitely not alone.My co-host today is family law attorney and Certified Divorce Financial Analyst Alexandria Zeis, and we're talking about how to take the fear out of divorce finances and get organized one small step at a time.We'll chat about:What documents you'll need for divorce and mediation What to do if you've never been the "money person" in your marriage How to get organized before divorce without feeling overwhelmed Why understanding your finances can actually reduce anxiety How divorce financial disclosures work in California Why pulling your credit report before divorce is so important How to figure out what it actually costs to live each month What an Income and Expense Declaration (FL-150) is and why it matters Why this can be an opportunity to design the next chapter of your life The financial side of divorce doesn't have to be scary.You don't need to become a financial expert overnight. You just need to be willing to look under the bed.Chances are, those financial monsters are really just dust bunnies.About Kelly Bennett, Esq.Kelly Bennett, Esq. is the host of  The Splitting Smart Podcast. She is a senior attorney at Sapere Law & Mediation in Temecula, California. About Alexandria Zeis, Esq.Alexandria Zeis, Esq. is a senior family law attorney at Sapere Law & Mediation in Temecula, California.--RESOURCESDivorce Financial Documents Checklist: https://mailchi.mp/1d960ec43ed4/uxo2ul4l62KELLY'S BOOK: Victim Is Not Your Name https://a.co/d/e4VguRkLEGAL & MEDIATION HELP: https://saperelawfirm.comINSTAGRAM: https://instagram.com/saperelawfirmFACEBOOK: https://facebook.com/saperelawfirm

What if the beliefs you have about money are quietly limiting how much you earn? In this episode, Tiffany Carter exposes the most common money myths that keep entrepreneurs and high-achieving professionals stuck at the same income level, including the subconscious beliefs that impact earning potential, pricing, selling, and building sustainable wealth.    Many people believe making more money requires working harder, being more talented, or finding the perfect strategy. But often, the biggest barriers to increasing your income are the invisible beliefs and patterns you have developed around money, success, and receiving.    Tiffany breaks down why your relationship with money is emotional, how your experiences growing up can shape your financial decisions, and why changing your money mindset is not about positive thinking, it's about understanding the psychology behind the choices you make every day.    In this episode, Tiffany explores the money myths that may be keeping you from creating the level of income, freedom, and success you desire.    RESOURCES MENTIONED:    {Applications are open} Exclusive 2-Month Private Customized Business Coaching Program: APPLY HERE (both established and new entrepreneurs use the same application) *serious applicants only please     Fast Track: Start Making Money From What You Know (EXCLUSIVE TO POSSE MEMBERS ONLY)>> Join the famous ProjectME Posse Business & Money Coaching Membership HERE    My Gift to You! Your Quantum Walk guided meditation series + Fire Horse Identity Journal HERE     CONNECT WITH TIFF:  Tiffany on Instagram @projectme_with_tiffany   Tiffany on TikTok @projectme_with_tiffany  Tiffany on YouTube: ProjectME TV  Tiffany's FREE Email Community: JOIN HERE > The Secret Posse Digest    You'll discover:  >Why wanting more money does not make you greedy, selfish, or less connected to your values  >How the belief that you have to work harder to earn more can keep you trapped in overworking instead of focusing on creating greater value  >Why waiting until you feel ready can prevent you from taking the actions that create growth and financial opportunities  >How your subconscious money beliefs influence the way you earn, spend, save, invest, and make business decisions  >Why two people with the same income can have completely different financial outcomes based on their beliefs and behaviors around money  >How your childhood experiences with money can shape your relationship with earning, receiving, and financial security  >Why making more money does not automatically create safety and how building trust in yourself is a critical part of creating lasting wealth    Your income is not determined only by your strategy.  The way you think about money, the decisions you make, the risks you take, and what you believe you are capable of receiving all influence your ability to grow.    The goal is not just to make more money.  The goal is to become the person who can confidently create, receive, manage, and sustain more.    Because your relationship with money is often a reflection of your relationship with yourself. 

Most real estate agents spend hundreds of dollars on closing gifts that are forgotten within weeks. What if you could give something that creates value for years—or even generations? In this episode of Real Estate Coaching Radio, Tim and Julie Harris explore a new investment opportunity for American families and explain why it could completely change the way real estate agents think about client appreciation, referrals, and long-term relationships. Rather than focusing on another transaction, learn how creating meaningful conversations around financial education can help position you as a trusted advisor long after closing day. You'll learn how these accounts work, who qualifies, why starting early matters, and how compounding can dramatically impact future wealth. Tim and Julie also discuss why agents who consistently provide value beyond buying and selling homes earn more referrals, deeper client loyalty, and stronger businesses. If you're looking for ways to stand out in the 2026 real estate market while building a business based on relationships instead of transactions, this episode is packed with practical ideas you can put into action immediately. Free training: HarrisRealEstateDaily.com Coaching: PremierCoaching.com Join eXp + Libertas: WhyLibertas.com/Harris Text Tim Direct: 512-758-0206 Opinions are my own and not the views of eXp Realty. Income results are not typical. Individual results will vary.

I used to chase $10K/month for 7 years in a completely different industry and never got there — then I picked up my phone and hit it in 12 months with UGC.✅ Join my free live masterclass:https://ugcmasteryacademy.com/webinarsignup?funnel=Youtube&utm_source=youtube&utm_medium=organic&utm_campaign=sydney&utm_content=s07-90-day-roadmap

You can write a great book, have a strong message, and still struggle to gain traction after publication. Why? Too many authors treat their launch as a marketing event instead of a relationship-building opportunity. That's where a launch team changes everything. A launch team is not just a group of people who buy your book. It's a carefully chosen community of readers, supporters, likely prospects, and referral partners who help create momentum before and during your launch. They help generate reviews, spread the word, and create early engagement that gives your book credibility and visibility. But the real magic goes beyond Amazon reviews. A thoughtful launch team strategy helps wake up your network. It creates conversations with people who may not have heard from you in a while. It opens doors to podcasts, speaking opportunities, collaborations, and future clients. Done well, a launch becomes more than a moment. It becomes the beginning of a stronger pipeline from your book to your business. That's the strategy I teach in my fourth book, “LAUNCH Your Book! An Entrepreneur's Guide to Reviews That Drive Revenue.” If you want to build a launch team that creates revenue opportunities, you can find the book, bonus content, and an invitation to schedule a complimentary 30-minute book launch brainstorming session at www.BookLaunchBrainstorm.com. And now, let's meet this week's author panel: Jenn T. Grace wrote "Promote Your Purpose: A Strategic Guide to Book Marketing for Nonfiction Authors Who Want to Grow Their Impact, Influence, and Income," a practical and empowering resource that helps nonfiction authors market their books strategically so they can expand their visibility, strengthen their authority, and create meaningful business growth. Stephen Shapiro wrote "You're Not Playing with a Full Deck: Why the Coworkers Who Drive You Crazy Are Your Unfair Advantage," a thought-provoking leadership book that explores how different thinking styles and workplace personalities can become a source of innovation, collaboration, and stronger team performance. In this episode, we discuss the following:

Get the 200+ Page Optimal Living Daily Workbook (PDF) — Free. Want to turn today's episode into an actionable plan? Join the Optimal Living Weekly newsletter and I'll send you our 200-page digital workbook immediately. It's packed with the best takeaways from the show, formatted for easy reading and implementation at home. Get your free PDF workbook here: ⁠https://oldpodcast.eo.page/join⁠ Discover all of the podcasts in our network, search for specific episodes and learn more at:⁠ OLDPodcast.com⁠. Episode 3628: Kumiko breaks down one of the most important foundations of budgeting: understanding your income and accurately tracking your expenses. Learn how to manage irregular paychecks, distinguish between fixed and variable expenses, and give every dollar a purpose so you can build a budget that works even when life is unpredictable. Read along with the original article(s) here: https://www.thebudgetmom.com/income-yay-expenses-yuck/ Quotes to ponder: "ALWAYS budget for the worst-case scenario!" "Each cent of your income should have a job." "It's ok for your budget not to work one month. Pick yourself up and start fresh next month." Learn more about your ad choices. Visit megaphone.fm/adchoices

*AGHHHHH SHE NEVER PAYS HER TAXES!!!*In the post show, we learn she refuses to pay taxes. She wants every benefit, but won't contribute anything... this is so infuriating. Watch here: https://hamr.link/ytjoin *OR* download the brand new Hammer Elite App ➡️ https://hammerelite.com 30% off *LIMITED TIME ONLY* as a launch bonus

For the last fifteen years, capital has relentlessly chased digital attention, turning it into a diluted and cheap commodity. The new luxury for consumers and investors alike is the "presence economy," where real-world, in-person experiences are driving unparalleled engagement and spending. With experiential spending up over 30% from pre-pandemic levels, the smartest brands are no longer building better digital vending machines, but rather creating meaningful tables for people to sit at.This episode breaks down the massive shift toward IRL (in real life) business models and why creating physical communities is the ultimate competitive moat. From slashing customer acquisition costs to unlocking new avenues for raising capital, hosting real-world events provides defensibility that competitors cannot simply duplicate. Listeners will learn how to strategically integrate IRL experiences into their existing operations to drive loyalty, retention, and revenue.KEY TOPICS DISCUSSEDThe transition from the digital attention economy to the physical presence economyPost-pandemic experiential consumer spending trends and travel statisticsThe explosive growth of golf demographics and the massive supply gap in physical hospitalityDifferences between transactional digital interactions and relationship-driven business modelsUsing in-person events to drastically lower customer acquisition costsBuilding highly defensible business moats through community and shared experiencesThe role of proximity and shared meals in raising capital and securing partnershipsKEY TAKEAWAYSAttention has become an infinite and cheap commodity, making genuine physical presence the new premium asset for businesses.Experiential spending has surged over 30% compared to pre-pandemic levels, proving consumers are voting with their wallets for real-world connection.A digital screen acts as a forgettable vending machine, while an in-person experience acts as a dinner table that fosters lasting relationships.Hosting intimate, real-world events can outperform months of paid digital traffic by deeply accelerating trust and slashing customer acquisition costs.Competitors can easily copy digital marketing funnels and pricing, but they cannot pirate or replicate the specific feeling of belonging created in a physical room.Meaningful capital is rarely raised through cold outreach; proximity builds the trust required for significant financial transactions and partnerships.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.

This week, Jason is joined by Love Island USA Season 7 star, real estate entrepreneur, and former National Champion baseball player, TJ Palma, for a conversation about building a $35,000-a-month Airbnb business, monetizing nearly 500,000 social media followers, leveraging reality TV into long-term wealth, and why personal branding has become one of the most valuable business assets in 2026. TJ reflects on his journey from college baseball player to entrepreneur, sharing how he discovered content creation at a young age, built a YouTube channel before becoming an influencer, and eventually turned his passion for real estate into a thriving short-term rental business. He explains why he believed social media could become a powerful business tool long before it became mainstream, and how those early experiences helped prepare him for life in the spotlight. Jason and TJ dive into the reality of building a business from scratch, including how TJ got started with Airbnb arbitrage, furnished his first properties using 0% interest credit cards, negotiated with landlords, and scaled from one rental to a business generating more than $35,000 per month. TJ also breaks down the economics behind short-term rentals, why larger homes outperform smaller properties, and how he's expanded beyond Airbnb into property management, boutique hotels, interior design, and real estate investing. The conversation also explores TJ's experience on Love Island USA, from the extensive casting process and flying to Fiji without knowing if he'd make the show to navigating relationships while cameras rolled 24/7. TJ opens up about dealing with anxiety, public criticism, and the pressure of having millions of viewers judge every decision, while explaining how the experience ultimately helped him become more confident both personally and professionally. Jason and TJ also discuss what happens after reality TV, including how TJ grew from just a few thousand Instagram followers to nearly half a million, how he evaluates brand partnerships, and why he's focused on building businesses that outlast social media trends. He shares how he's turned his online audience into long-term revenue through strategic partnerships, educational content, and businesses that align with his personal brand. Beyond business, TJ reflects on financial discipline, entrepreneurship, and building wealth in your twenties. He explains why he continues reinvesting into real estate, how he approaches risk, the importance of surrounding yourself with ambitious people, and why creating multiple income streams has always been his long-term goal. TJ also shares what's next, including expanding his real estate portfolio, growing his hospitality and design businesses, teaching others how to build successful Airbnb companies, and why he'd love another opportunity in reality television with shows like The Traitors or Dancing With the Stars. From building a $35,000-a-month Airbnb business to leveraging reality TV into long-term wealth, TJ reveals what it really takes to build a business, grow a personal brand, and create opportunities that last long after the cameras stop rolling. TJ reveals all this and so much more in another episode you can't afford to miss! Subscribe to the Trading Secrets podcast! Host: Jason Tartick Audio: John Gurney Video: Marc Colcer Guest: TJ Palma Learn more about your ad choices. Visit podcastchoices.com/adchoices