Podcasts about Income

In Episode 266 of The Cardone Zone, Grant Cardone exposes the truth about the so-called “smart” financial moves we've all been taught — and how they're actually traps designed to keep you broke. From 401(k)s to home mortgages to traditional savings accounts, Grant breaks down how these vehicles were built by financial institutions to benefit themselves—not you. If you've been playing by the rules and still feel stuck, this episode will wake you up and give you the real strategy to increase your net worth and take control of your future. Inside the episode: The problem with “saving” money What wealthy people do differently with their income It's time to ditch the traps and take massive action toward building real, unstoppable wealth. Follow @GrantCardone on all social platforms Learn more at GrantCardone.com  And grab your copy of The Wealth Creation Formula to start thinking like the wealthy do

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Steve Selengut. Also known as The Income Coach. Here's a detailed summary of the episode:

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Steve Selengut. Also known as The Income Coach. Here's a detailed summary of the episode:

#237: Start living your rich life today regardless of your income. Learn how to spend without guilt, track the four key financial numbers that matter most, harness the power of decisiveness, and avoid the common traps that hold people back as their income grows. Ramit Sethi is a personal finance expert and the NYT bestselling author of I Will Teach You to Be Rich. He hosts the popular Netflix show, How to Get Rich, and the Money for Couples podcast. Link to Full Show Notes: https://chrishutchins.com/guilt-free-rich-life-ramit-sethi Partner Deals LMNT: ⁠⁠Free 8-count sample pack of my favorite electrolyte drink mix OpenPhone: ⁠⁠20% off the first 6 months of your own business phone system⁠ Notion: Try Notion AI free to automate tedious tasks and streamline your work Quince: Affordable luxury essentials with free shipping + 365 day returns Thrive Market: 30% off your first order of organic groceries + a free $60 gift For all the deals, discounts and promo codes from our partners, go to: chrishutchins.com/deals Resources Mentioned Ramit Sethi: Website | X | Instagram Money for Couples: Book | Podcast | YouTube Earnable Program ATH Podcast Ep #91: Die With Zero: Net Fulfillment Over Net Worth with Bill Perkins Leave a review: Apple Podcasts | Spotify Email for questions, hacks, deals, and feedback: podcast@allthehacks.com Full Show Notes (00:00) Introduction (02:23) How Much Money Do You Actually Need to Live a Rich Life? (04:25) Identifying Money Dials to Live a Rich Life (06:16) The Four Key Numbers You Need to Track Your Finances (12:02) How to Learn the Skill of Spending Money (17:58) Ways to Reframe How You Look at Costs (23:02) Analyzing How Optimizers Spend (26:37) Why It's Important to Find Your Worry-Free Number (28:38) Spend Money Based on the Stage You're in Life (34:48) The Role of Income (& Side Hustles) in Your Rich Life (38:41) Why You Have to Be Honest About Your Rich Life (40:25) Tackling Big Financial Decisions (43:27) Why Ramit Thinks Lifestyle Creep Is a Myth (45:04) How Chris and Amy Decided to Sell Their Vacation Home (48:13) The Power of Being Decisive and How to Build the Skill (54:56) Biggest Traps People Face When Moving Up the Wealth Ladder (58:40) How AI Has Impacted the Way People Manage Their Finances (1:01:17) Ramit's Challenge for You to Live Your Rich Life (1:03:34) Where to Find Ramit, His Book, and Other Work Connect with Chris Newsletter | Membership | X | Instagram | LinkedIn Editor's Note: The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post. Learn more about your ad choices. Visit megaphone.fm/adchoices

Reacting to Caleb Hammer's biggest freakout yet on financial audit—where a couple making $30K a year spends $120K and the conversation spirals fast. Caleb Guilliams breaks down the mindset behind their decisions and shares what it really takes to turn things around financially.*Learn More About BetterWealth: https://betterwealth.com*Want Us To Review Your Life Insurance Policy? Click Here: https://bttr.ly/yt-policy-review00:00 Introduction00:09 Caleb Hammer's Financial Freak Out02:50 Understanding the Spending Habits05:44 Importance of Income & Value Creation08:53 Addressing One-Time Purchases11:20 Mindset and Mentality in Financial Decisions14:27 Strategies for Financial Improvement17:34 Role of Values in Financial Decisions21:39 Conclusion and Reflection on Financial Responsibility______________________________________________ Learn More About BetterWealth: https://betterwealth.com====================DISCLAIMER: https://bttr.ly/aapolicy*This video is for entertainment purposes only and is not financial or legal advice.Financial Advice Disclaimer: All content on this channel is for education, discussion, and illustrative purposes only and should not be construed as professional financial advice or recommendation. Should you need such advice, consult a licensed financial or tax advisor. No guarantee is given regarding the accuracy of the information on this channel. Neither host nor guests can be held responsible for any direct or incidental loss incurred by applying any of the information offered.

I met Rich through my Streams of Income Facebook group. I made a post about swimming instruction franchises, and he has some he can hook you up with. Not only that. He's got franchise opportunities in so many areas that might be even better suited for you. Join in to learn about building a business life with a franchise.   Find Rich Potter at Franchise Hero- https://franchiseheroes.co/find-franchises-david-powers/    If you want a great book to dig into about buying a business, check out Main Street Millionaire by Codie Sanchez. https://amzn.to/44UIBzt    --- Check out the sweet Hyper X mic I'm using. https://amzn.to/41AF4px    Check out Dr. Dave's Streams of Income at: www.drdavidpowers.com   www.instagram.com/drdavidpowers  www.youtube.com/@streamsofincomebydrdave  --- Join the Streams of Income community at www.facebook.com/groups/streamsofincomedream  --- Check out Passive Income Engines to find your own Streams of Income at www.SelfCoachYourself.com --- Check out my best-selling books: Rapid Skill Development 101- https://amzn.to/3J0oDJ0 Streams of Income with Ryan Reger- https://amzn.to/3SDhDHg Strangest Secret Challenge- https://amzn.to/3xiJmVO --- This page contains affiliate links. This means that if you click a link and buy one of the products on this page, I may receive a commission (at no extra cost to you!) This doesn't affect our opinions or our reviews. Everything we do is to benefit you as the reader, so all of our reviews are as honest and unbiased as possible. --- #passiveincome #sidehustle #cryptocurrency #richlife

Book a call to see if we can help you achieve your goals in less time with less risk:  http://bit.ly/iwc15podcast What if you could slash your tax bill and earn monthly passive income without lifting a finger to manage real estate? In this episode, Cameron Christiansen and Anthony Faso sit down with Lamè Kinikini, founder of Elk Ridge Investments, who shares how his unique background, door-to-door sales experience, and deep knowledge of short-term rentals led him to build a portfolio of over 300 properties across 14 states. More importantly, Lamè breaks down how high-income W-2 earners and business owners can leverage a legal tax strategy often referred to as the short-term rental loophole to offset active income with substantial depreciation. Lamè walks listeners through his investment structure (not a syndication!), how he creatively finances deals under 5% interest, and what makes this model a true game-changer for time-strapped professionals. If you're looking for a hands-off way to earn 8% annual returns and reduce your taxes, this episode delivers the playbook. Tune in to learn how to partner on deals with Elk Ridge, why 100 hours of “material participation” is the key, and what you need to do before year-end to take full advantage.   In This Episode: - The conversation that made Lamè ditch med school - How door-to-door sales sparked a real estate empire - Turning one accidental Airbnb into 300+ rentals - How W-2 earners can legally reduce their taxes - The IRS rule you must follow to qualify - Why this isn't a syndication and why that matters - Will bonus depreciation come back in 2025? - Who this strategy is not best for - The next best step to start this strategy   Resources:  - Join the Infinite Wealth Study Group - https://www.facebook.com/share/g/qC3sAWg6PhHYpRAs/  - Check our Online Course - https://infinitewealthcourse.com/home - Buy Becoming Your Own Banker by R. Nelson Nash - http://bit.ly/BYOBbookIWC - Stay Tuned for the Upcoming Webinar with Q&A – Coming Soon!   Connect with Lamè Kinikini: - Website - https://elkridgeinvestments.journey.io/p/43y4rw4 - Instagram - https://www.instagram.com/lame.kinikini Connect with Anthony or Cameron: - Website - https://infinitewealthcourse.com/home - Instagram - https://www.instagram.com/infinitewealthconsultants/   Disclaimer: The opinions expressed on this podcast are solely those of the hosts and guests and do not constitute financial advice. Always consult a licensed professional for financial decisions. This episode is sponsored by a podcast show partner. We may receive compensation if you use links or services mentioned in this episode. The hosts may have a financial interest in the programs or services mentioned in this episode.

Can a side hustle built on friendship and a love of travel become something bigger? Join Jason Muth, Rory Gill, and Ethan Sobel as they share the real story behind Prideaway Stays, their co-hosting venture in Provincetown. From a family dream of owning a Cape home to building a guest-first rental brand, this episode dives into the heart of short-term rental hosting. Discover how they scaled their business while staying personal, built community connections, and turned passion into purpose.

2025 has been an interesting year for designers. Carina works with hundreds of creatives through her university and Design Suite programs, giving her a front-row seat to what's actually working right now. Learn more in today's episode.___________________________About Carina Gardner, Ph.D.:Carina is the CEO of the University of Arts & Design. The university offers certificates and Masters degrees in the creative fields. Carina is also the CEO of Design Suite, a surface pattern and crafting design program that teaches designers how to create a business as they learn to design. She has designed for Nordstroms, Riley Blake, Silhouette America, Michaels, Hobby Lobby, Deseret Book, and more.Find out more at https://www.carinagardner.comCheck out her most popular program Design Bootcamp here: http://www.carinagardnercourses.com/designbootcampGet a design degree at http://uad.education

Mike Milligan, a Certified Financial Planning Professional, author, podcast and radio show host, and university lecturer, brings 26 years of experience to the financial planning industry. After beginning his career in large banks and insurance companies, he founded his first firm 15 years ago with the belief that “everyone is One of a Kind; and they deserve a One of a Kind Financial Plan.”Challenging the “One Size Fits All” approach to financial advice, which he refers to as “Retirement Déjà Vu™,” Mike developed The One of a Kind Financial Plan™. This comprehensive plan addresses taxes, retirement income, investments, long-term care, and legacy, enabling clients to live a “One of a Kind Life.” Recognizing the need for a clear retirement vision, he then created Retirement CHI™ to supplement the plan. This innovative approach focuses on community, health, and impact, further reducing stress for his clients. Mike leads a team of over 20 professionals across the United States, including Hawaii.Learn more: http://www.1OakFinancial.comThe information provided is for illustrative purposes only and does not constitute investment, tax, or legal advice. Information is obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed. Neither Mike Milligan nor his guests are liable for the use of information discussed. Always consult with a qualified investment, tax, or legal professional before taking any action or schedule a meeting with Mike Milligan.Annuity guarantees are based solely on the financial strength and claims-paying ability of the issuing company. Individuals should thoroughly review the contract for specific product features and costs. Income payments and withdrawals from deferred annuities are generally taxable as ordinary income in the year they are taken.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-mike-milligan-founder-of-1-oak-financial-discussing-results-beyond-money

With the recent passage of the Inflation Reduction Act, also known as the Big Beautiful Bill, significant changes are coming to both solar panel and electric vehicle tax credits.  I break down what these changes mean, how they can affect your savings, and what steps you might want to take before these credits disappear. From figuring out if solar panels make sense for your home to understanding how electric vehicle credits work (and when they're expiring), this episode is packed with actionable insights and tips, especially for those planning for retirement or looking to cut down on monthly expenses. You will want to hear this episode if you are interested in... [01:31] Residential solar panels are popular for reducing electric bills, offering significant savings, especially for retirees. [05:23] Solar tax credits are expiring soon. [09:07] Solar investments offset electric costs and protect against future rate hikes, beneficial long term. [11:28] Costs and break-even of electric cars. [13:08] Act now if you want to take advantage of solar tax credits. The Solar Panel Tax Credit is a Fading Opportunity One of the biggest draws for homeowners considering solar panels has been the significant federal tax credit, currently set at 30% of the total installation cost. This credit has made solar an appealing investment for many, offering a direct dollar-for-dollar reduction in the taxes owed. In high-cost electricity states like Connecticut, this can mean hundreds of dollars in monthly savings on your utility bill. However, the Big Beautiful Bill brings an unfortunate change: the solar tax credit is set to disappear at the end of this year. That means if you've been thinking about going solar, now is the time to act. If you don't install solar panels before the deadline could add years to your payback period, undermining the investment's attractiveness and putting it out of reach for many. Energy Savings of Battery Storage and EVs While solar panels are great for energy savings, adding a battery storage system further enhances their benefits. A battery can store excess solar power for use during peak times or outages, which is particularly helpful for retirees planning to stay in their homes for decades and looking to insulate themselves from rising electricity rates. Electric vehicles (EVs) also offer savings for households with high transportation costs. The federal EV tax credit, worth up to $7,500 on new cars and up to $4,000 for used EVs, has also been a strong motivator for those considering a switch from gas-powered vehicles. The Big Beautiful Bill also changes the EV tax credit, which will disappear even sooner than the solar incentive. Although there are several important limitations: only vehicles assembled in North America qualify, and there's a cap on purchase price ($55,000 for sedans, $80,000 for SUVs). Income limitations apply as well; single filers must earn less than $150,000 ($300,000 for married couples) to claim the new vehicle credit. The used EV credit comes with lower income caps ($75,000 for singles, $150,000 for couples) and is worth up to $4,000.  Should You Act Now?  Before making any big investment, think about the following: Timing: Both solar and EV credits will soon vanish. If you want the tax break, don't wait. Financial Health: The best return comes from paying cash, not financing or tapping retirement accounts. Long-term Plans: Solar and EV investments make the most sense if you plan to stay in your home and keep your vehicle for years to come. Manufacturers may eventually lower prices as credits disappear, but there are no guarantees. With energy incentives set to change dramatically, the window to maximize savings is closing fast. For homeowners and future retirees, the time to act is now, whether that means installing solar, purchasing an EV, or both. Consult with a financial advisor to consider how these decisions fit into your overall retirement and financial readiness strategy. The Treasury Department's official list of eligible vehicles shows that the cars, trucks, minivans, and SUVs listed below qualify for a full $7,500 tax credit if placed in service between January 1 and September 30 of 2025.   In some cases, only certain trim levels or model years qualify. More vehicles may be added to or removed from this list as manufacturers continue to submit information on whether their vehicles are eligible. Acura ZDX EV (2024-2025 model years; MSRP $80,000 or below) Cadillac Lyriq (2024-2025 model years; MSRP $80,000 or below) Cadillac Optiq (2025 model year; MSRP $80,000 or below) Cadillac Vistiq (2026 model year; MSRP $80,000 or below) Chevrolet Blazer EV (2024-2026 model years; MSRP $80,000 or below) Chevrolet Equinox EV (2024-2026 model years; MSRP $80,000 or below) Chevrolet Silverado EV (2025-2026 model years; MSRP $80,000 or below) Chrysler Pacifica Hybrid PHEV (2024-2025 model years; MSRP $80,000 or below) Ford F-150 Lightning (2024-2025 model years for Flash trim, 2023-2025 model years for Lariat and XLT trims; MSRP $80,000 or below) Genesis Electrified GV70 (2026 model year; MSRP $80,000 or below) Honda Prologue (2024-2025 model years; MSRP $80,000 or below) Hyundai Ioniq 5 (2025 model year; MSRP $80,000 or below) Hyundai Ioniq 9 (2026 model year; MSRP $80,000 or below) Jeep Wagoneer S (2025 model year; MSRP $80,000 or below) Kia EV6 (2026 model year; MSRP $80,000 or below) Kia EV9 (2026 model year; MSRP $80,000 or below) Tesla Cybertruck (2025 model year for Dual Motor, Long Range, and Single Motor trims; MSRP $80,000 or below) Tesla Model 3 (2025 model year for Long Range AWD, Long Range RWD, and Performance trims; MSRP $55,000 or below) Tesla Model X (2025 model year for AWD trim; MSRP $80,000 or below) Tesla Model Y (2025-2026 model years for Long Range AWD and Long Range RWD trims; 2025 model year for Performance trims; MSRP $80,000 or below) Resources Mentioned Retirement Readiness Review Subscribe to the Retire with Ryan YouTube Channel Download my entire book for FREE  Connect With Morrissey Wealth Management  www.MorrisseyWealthManagement.com/contact   Subscribe to Retire With Ryan

Mike Milligan, a Certified Financial Planning Professional, author, podcast and radio show host, and university lecturer, brings 26 years of experience to the financial planning industry. After beginning his career in large banks and insurance companies, he founded his first firm 15 years ago with the belief that “everyone is One of a Kind; and they deserve a One of a Kind Financial Plan.”Challenging the “One Size Fits All” approach to financial advice, which he refers to as “Retirement Déjà Vu™,” Mike developed The One of a Kind Financial Plan™. This comprehensive plan addresses taxes, retirement income, investments, long-term care, and legacy, enabling clients to live a “One of a Kind Life.” Recognizing the need for a clear retirement vision, he then created Retirement CHI™ to supplement the plan. This innovative approach focuses on community, health, and impact, further reducing stress for his clients. Mike leads a team of over 20 professionals across the United States, including Hawaii.Learn more: http://www.1OakFinancial.comThe information provided is for illustrative purposes only and does not constitute investment, tax, or legal advice. Information is obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed. Neither Mike Milligan nor his guests are liable for the use of information discussed. Always consult with a qualified investment, tax, or legal professional before taking any action or schedule a meeting with Mike Milligan.Annuity guarantees are based solely on the financial strength and claims-paying ability of the issuing company. Individuals should thoroughly review the contract for specific product features and costs. Income payments and withdrawals from deferred annuities are generally taxable as ordinary income in the year they are taken.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-mike-milligan-founder-of-1-oak-financial-discussing-results-beyond-money

Discover "The Secret to a Pain-Free Lifestyle Revealed" in this insightful episode of the Command Your Brand Show! Join host Josh Silvestro as he interviews Grant, a chiropractic expert and founder of a leading online rehab program specializing in back pain, disc herniations, and sciatica. Learn about common back pain misconceptions, the importance of movement, and how mindset plays a critical role in recovery. Grant shares his inspiring journey, effective strategies for preventing back injuries, and success stories of clients avoiding surgeries and reclaiming their lives. Ready to take control of your pain and build a stronger, healthier lifestyle? Subscribe now and start your journey to recovery today!#mindset #chronicpain #chiropractic #recovery #backpainCHAPTERS:00:00 - Introduction00:34 - Why Grant Started Chiropractic02:27 - Misconceptions of Chiropractic Care03:47 - Mindset for Health05:29 - Lifestyle Factors for Wellness06:44 - Preventing Back Pain Tips08:34 - Measuring Success in Chiropractic09:00 - Inspiring Success Stories10:19 - Avoiding Mistakes with Herniated Discs11:40 - Genetic Factors in Back Pain12:55 - Finding Grant and Free Guide13:22 - OUTRO________________________________________________________________________⇩ LOOKING TO COMMAND YOUR BRAND? ⇩BOOK A CALL: With Our Team to See How We Can Helphttps://commandyourbrand.com/book-a-call/BOOK: Grab Your Copy of Our Book, Command Your Brand: Grow Your Impact, Income and Influence in the New Media Landscape, Rated the # PR Book on Amazon:https://www.amazon.com/Command-Your-Brand-Influence-Landscape/dp/B0CJXGKD15________________________________________________________________DOWNLOAD AUDIO PODCAST & GIVE A 5 STAR RATING!:APPLE: https://podcasts.apple.com/ro/podcast/command-your-brand/id1570323509SPOTIFY: https://open.spotify.com/show/0wE8jDVdlpsDCmNx8sYZTQ?si=41fd776e1a6b43be(also available Google Podcasts & wherever else podcasts are streamed_________________________________________________________________⇩ OTHER VIDEO PLATFORMS ⇩➤ RUMBLE: https://www.youtube.com/watch?v=4rInZbdlLiU_________________________________________________________________⇩ SOCIAL MEDIA ⇩➤ TWITTER: https://twitter.com/CYBmedia➤ INSTAGRAM https://www.instagram.com/commandyourbrand➤ FACEBOOK: https://www.facebook.com/commandyourbrand_________________________________________________________________➤ CONTACT: INFO@COMMANDYOURBRAND.COM

https://www.progressiveproperty.co.uk/raf/ Kevin joins Sean to talk about how to recognise mentor red flags and prevent yourself from being taught by the wrong person. He shares the easiest ways to spot a bad trainer or mentor and the ways you can protect yourself. KEY TAKEAWAYS ·     In every industry there is good and bad and property is no exception. ·      One of the biggest red flags is if someone is teaching you and then telling you the property to buy. ·      If a property investor is good, they won't need to borrow money from students to invest. ·      People think there is easy money in property training but they often don't calculate overheads so anyone who has been training for a long time is usually a green flag. ·      Do your due diligence on any mentor or trainer, companies house is a really easy way to check people out. ·      If trainers aren't willing to show you what they are doing then question it. They should also be full of passion for what they are doing.   BEST MOMENTS  “Are most property trainers full of shit?” “I would avoid anybody who is telling you what you should buy and then offering the same thing to you” “If you say something, back it up with truth” “Do not give me your opinion, show me what you're doing”   VALUABLE RESOURCES MSOPI – Multiple Streams of Income: https://www.progressiveproperty.co.uk https://kevinmcdonnell.co.uk ABOUT THE HOST Sean Fitzpatrick is a property investor, educator, and the Face of Progressive Property. With a 6-figure portfolio and expertise in creative strategies, finance, and off-market deals, Sean shares success stories from the Progressive Property community, expert insights, and real-world strategies to help investors succeed. Tune in for practical tips and no-nonsense advice to accelerate your property journey.   ABOUT THE HOST Kevin McDonnell is a Speaker, Author, Mentor & Professional Property Investor. He is an expert when it comes to creative property investment strategies. His book No Money Down: Property Invest talks about how to control and cash flow other people's property to create financial freedom.   CONTACT METHOD https://www.facebook.com/kevinMcDonnellProperty/ https://kevinmcdonnell.co.uk/ TikTok: https://www.tiktok.com/@progressiveproperty YouTube: https://www.youtube.com/channel/UC0g1KuusONVStjY_XjdXy6g Twitter: https://twitter.com/progperty LinkedIn: https://www.linkedin.com/company/progressiveproperty Instagram: https://www.instagram.com/progressiveproperty/ Facebook Community: https://www.facebook.com/groups/progressivepropertycommunity Facebook Page: https://www.facebook.com/Progperty   This Podcast has been brought to you by Disruptive Media. https://disruptivemedia.co.uk/

On this episode of Animal Spirits: Talk Your Book, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Michael Batnick⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ben Carlson⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ are joined by Garrett Paolella, Co-Founder and Managing Partner of NEOS Investments to discuss losing upside to cover downside, surviving bull markets, volatility across indices, fitting these strategies within a portfolio, and much more! Find complete show notes on our blogs... Ben Carlson's ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠A Wealth of Common Sense⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Michael Batnick's ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Irrelevant Investor⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Feel free to shoot us an email at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠animalspirits@thecompoundnews.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ with any feedback, questions, recommendations, or ideas for future topics of conversation. Check out the latest in financial blogger fashion at The Compound shop: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://idontshop.com⁠⁠ Investing involves the risk of loss. This podcast is for informational purposes only and should not be or regarded as personalized investment advice or relied upon for investment decisions. Michael Batnick and Ben Carlson are employees of Ritholtz Wealth Management and may maintain positions in the securities discussed in this video. All opinions expressed by them are solely their own opinion and do not reflect the opinion of Ritholtz Wealth Management. See our disclosures here: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://ritholtzwealth.com/podcast-youtube-disclosures/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ The Compound Media, Incorporated, an affiliate of ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ritholtz Wealth Management⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, receives payment from various entities for advertisements in affiliated podcasts, blogs and emails. Inclusion of such advertisements does not constitute or imply endorsement, sponsorship or recommendation thereof, or any affiliation therewith, by the Content Creator or by Ritholtz Wealth Management or any of its employees. For additional advertisement disclaimers see here ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://ritholtzwealth.com/advertising-disclaimers⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Learn more about your ad choices. Visit megaphone.fm/adchoices

Welcome back, Product Bosses! We're bringing back one of our most powerful and popular episodes with Mel Abraham, a financial expert, business advisor, and bestselling author of Building Your Money Machine. This conversation is packed with mindset shifts and tangible strategies to help you separate your income from your effort—and finally start building the life you've been dreaming of.Mel walks us through his Five Incomes Model, helping demystify what it really means to have “multiple streams of income” (spoiler alert: most of us have been thinking about it all wrong!). We also dig deep into money mindset, including what holds many entrepreneurs back, and how even $5 can start you on the path to financial independence.Whether you're just beginning to build your product-based business or you're well on your way, this episode will inspire you to start viewing money as a tool—not a trap. Plus, we've included a freebie with 20+ creative ways to make extra income starting today. So tune in, take notes, and let's build your money machine!Resources:Grab Mel's Book, Building Your Money Machine: How to Get Your Money to Work Harder for You Than You Did for It! Connect with Mel on Instagram.Learn more about Mel and listen to his podcast here.Looking for quick and creative ways to make money that you can implement, starting today? Grab our FREE 20 Ways to Make Money worksheet by clicking here. Say hello to the Accelerate Your Sales podcast bundle. It's my absolute best, totally-free playlist of episodes that will show you exactly how to stop being the best kept secret. Click here for your shortcut to more sales!Join our mailing list for access to additional training and support to turn your business into the best it can be.Connect:Website: theproductboss.comInstagram: @theproductbossMentioned in this Episode:InstacartDiscover more about how Instacart can work for you!Click here to learn moreGlociUse Code JACQUELINESNYDER to get 15% OFF your order! Click here to shop now!

To get live links to the music we play and resources we offer, visit www.WOSPodcast.comThis show includes the following songs:Brooke MacArthur - Bittersweet Surprise FOLLOW ON SPOTIFYReese Goode - Take It Back FOLLOW ON SPOTIFYAubrey King - Tennessee FOLLOW ON SPOTIFYMary Holiday - Untold FOLLOW ON SPOTIFYSayed Sabrina - What's Happening Here FOLLOW ON SPOTIFYReid Parsons - Get Out of Bed FOLLOW ON SPOTIFYJessica Woodlee - Over Now FOLLOW ON SPOTIFYTenielle McKenzie - Picket Fence FOLLOW ON SPOTIFYAmanda Bjorn - Molly FOLLOW ON SPOTIFYPoster Girl - I Wish FOLLOW ON SPOTIFYSkittish - Mother Nature FOLLOW ON SPOTIFYNovas Glow - Set Me Free FOLLOW ON SPOTIFYRachel Panchal - Fighting for the Dreams in My Soul FOLLOW ON SPOTIFYElevator Operator - Listen FOLLOW ON SPOTIFYFolke - Restless FOLLOW ON SPOTIFYEmiko - Call to Arms FOLLOW ON SPOTIFYFor Music Biz Resources Visit www.FEMusician.com and www.ProfitableMusician.comVisit our Sponsor Profitable Musician Newsletter at profitablemusician.com/joinVisit our Sponsor 39 Streams of Income at profitablemusician.com/incomeVisit our Sponsor Visit www.wosradio.com for more details and to submit music to our review board for consideration.Visit our resources for Indie Artists: https://www.wosradio.com/resourcesBecome more Profitable in just 3 minutes per day. http://profitablemusician.com/join

In this mostly solo episode, Emily shares how to manage lump sum fellowship income with respect to your budget, cash flow, and bank account structure. Grad students and postdocs struggle to manage their money when they are paid less frequently than monthly, such as once per term or once per year. This lump sum income occurs for some fellowship recipients, though it's not a common set-up. In the first half of this episode, Emily presents her suggested system for managing this type of income with respect to your bank account structure, budget, and cash flow. In the second half of this episode, Emily interviews Shalom Fadullon, a grad student at Northeastern who receives this type of income, on how she implemented Emily's system in her financial life.

- OEMs Spend $28 Billion a Year on Warranty - Tesla Chops MY Price By $20K In Canada - Xiaomi Dissed for Using Consumer-Grade Chips - Mirai Owners Sue Toyota - Renault Gets into Armored Car Business - Rivian To Lose Significant Income - VW Closes Plant in China - Charge Your E-Bike with The Kickstand - Autoline Poll Results on Re-Gen Braking

- OEMs Spend $28 Billion a Year on Warranty - Tesla Chops MY Price By $20K In Canada - Xiaomi Dissed for Using Consumer-Grade Chips - Mirai Owners Sue Toyota - Renault Gets into Armored Car Business - Rivian To Lose Significant Income - VW Closes Plant in China - Charge Your E-Bike with The Kickstand - Autoline Poll Results on Re-Gen Braking

The South African Social Security Agency (SASSA)'s Chief Executive Officer (CEO), Themba Matlou, says social grant reviews that are being undertaken on targeted beneficiaries suspected of having additional sources of income that was not initially disclosed to the Agency. Matlou says In April this year, SASSA announced an ongoing scheduled payment delays to targeted social grants beneficiaries who need to visit local offices to confirm changes in their financial circumstances (if any) and update their personal details to address potential inclusion errors in the current social security system. SASSA Chief Executive Officer (CEO), Themba Matlou elaborates...

Your name holds value—and in today's digital world, it can become your most powerful income-generating asset. In this episode of The Level Up Podcast, Paul Alex breaks down how to turn your personal brand into a business that works for you.What You'll Learn:

Mike Milligan, a Certified Financial Planning Professional, author, podcast and radio show host, and university lecturer, brings 26 years of experience to the financial planning industry. After beginning his career in large banks and insurance companies, he founded his first firm 15 years ago with the belief that “everyone is One of a Kind; and they deserve a One of a Kind Financial Plan.”Challenging the “One Size Fits All” approach to financial advice, which he refers to as “Retirement Déjà Vu™,” Mike developed The One of a Kind Financial Plan™. This comprehensive plan addresses taxes, retirement income, investments, long-term care, and legacy, enabling clients to live a “One of a Kind Life.” Recognizing the need for a clear retirement vision, he then created Retirement CHI™ to supplement the plan. This innovative approach focuses on community, health, and impact, further reducing stress for his clients. Mike leads a team of over 20 professionals across the United States, including Hawaii.Learn more: http://www.1OakFinancial.comThe information provided is for illustrative purposes only and does not constitute investment, tax, or legal advice. Information is obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed. Neither Mike Milligan nor his guests are liable for the use of information discussed. Always consult with a qualified investment, tax, or legal professional before taking any action or schedule a meeting with Mike Milligan.Annuity guarantees are based solely on the financial strength and claims-paying ability of the issuing company. Individuals should thoroughly review the contract for specific product features and costs. Income payments and withdrawals from deferred annuities are generally taxable as ordinary income in the year they are taken.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-mike-milligan-founder-of-1-oak-financial-discussing-the-five-pillars-of-your-unique-plan

Mike Milligan, a Certified Financial Planning Professional, author, podcast and radio show host, and university lecturer, brings 26 years of experience to the financial planning industry. After beginning his career in large banks and insurance companies, he founded his first firm 15 years ago with the belief that “everyone is One of a Kind; and they deserve a One of a Kind Financial Plan.”Challenging the “One Size Fits All” approach to financial advice, which he refers to as “Retirement Déjà Vu™,” Mike developed The One of a Kind Financial Plan™. This comprehensive plan addresses taxes, retirement income, investments, long-term care, and legacy, enabling clients to live a “One of a Kind Life.” Recognizing the need for a clear retirement vision, he then created Retirement CHI™ to supplement the plan. This innovative approach focuses on community, health, and impact, further reducing stress for his clients. Mike leads a team of over 20 professionals across the United States, including Hawaii.Learn more: http://www.1OakFinancial.comThe information provided is for illustrative purposes only and does not constitute investment, tax, or legal advice. Information is obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed. Neither Mike Milligan nor his guests are liable for the use of information discussed. Always consult with a qualified investment, tax, or legal professional before taking any action or schedule a meeting with Mike Milligan.Annuity guarantees are based solely on the financial strength and claims-paying ability of the issuing company. Individuals should thoroughly review the contract for specific product features and costs. Income payments and withdrawals from deferred annuities are generally taxable as ordinary income in the year they are taken.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-mike-milligan-founder-of-1-oak-financial-discussing-the-five-pillars-of-your-unique-plan

Book your FREE 30 Minute Clarity Call with Jody now!   https://jody.as.me/womensmeditationnetworkclaritysession What is a Clarity Call? This is the first step to giving you the IMMEDIATE relief you crave and will help you to become "unstuck" as you walk the path towards a life of happiness, inner peace and fulfillment. During this call, we're going to explore your ideal life and vision for living the life that you desire. We'll talk about some of the challenges that are getting in your way, and I'll provide you with some practical tools to help you close the gap from where you are now, to your desired destination. Money is energy—and energy moves. PAUSE (5 SEC)... Take a deep breath in... And exhale the belief that your income has to stay the same. Let go of the ceiling. Let go of the limits. PAUSE (10 SEC)... There is always room for more. More value you can offer. More ways you can receive. More growth waiting for your yes. PAUSE (10 SEC)... You are worthy of overflow. Worthy of expansion. Worthy of being supported in what you love. Let that truth settle into your bones. Join Premium! Ready for an ad-free meditation experience? Join Premium now and get every episode from ALL of our podcasts completely ad-free now! Just a few clicks makes it easy for you to listen on your favorite podcast player.  Become a PREMIUM member today by going to --> https://WomensMeditationNetwork.com/premium Join our Premium Sleep for Women Channel on Apple Podcasts and get ALL 5 of our Sleep podcasts completely ad-free! Join Premium now on Apple here --> https://bit.ly/sleepforwomen  Join our Premium Meditation for Kids Channel on Apple Podcasts and get ALL 5 of our Kids podcasts completely ad-free! Join Premium now on Apple here → https://bit.ly/meditationforkidsapple Hey, I'm so glad you're taking the time to be with us today. My team and I are dedicated to making sure you have all the meditations you need throughout all the seasons of your life.  If there's a meditation you desire, but can't find, email us at Katie Krimitsos to make a request. We'd love to create what you want!  Namaste, Beautiful,

Tom Dunkel is a battle-tested entrepreneur with nearly 30 years of experience building, scaling—and failing in—business. He's built two 8-figure companies, crashed six, and raised over $50M across multiple asset classes. As Managing Director of Eagle Capital, Tom helps investors grow wealth through operator-backed deals—but business building is still his core. From assembling top-tier teams to turning chaos into clarity, he brings hard-won strategy to every venture. He's been featured on 90+ podcasts, recognized in Marquis Who's Who, and mentors entrepreneurs chasing their next big win. Off the clock, he's an 8-handicap golfer, rock band frontman, and active supporter of causes from scholarships to veterans

To get live links to the music we play and resources we offer, visit www.WOSPodcast.comThis show includes the following songs:Prettier Than Matt - Waitin' On You FOLLOW ON SPOTIFYEmiko - Man in the Ivory Tower (Matthew, what have you done) FOLLOW ON SPOTIFYNeev - There's Two FOLLOW ON SPOTIFYJenny Rudell - How Can You Be Mine FOLLOW ON SPOTIFYKlaudia Magica - you can touch me FOLLOW ON SPOTIFYElin Iren - Oh My God FOLLOW ON SPOTIFYRebekah Withakay - I Am Enough FOLLOW ON SPOTIFYSandra Lourenco - Time Stood Still FOLLOW ON SPOTIFYArya Phenyx - i Hate Paris FOLLOW ON SPOTIFYLyn Bowtell - Paper Cut FOLLOW ON SPOTIFYCarlene Thissen - Simple Time FOLLOW ON SPOTIFYAnita Torrens - Keep On FOLLOW ON SPOTIFYErin Maiden - Tough Being Tough FOLLOW ON SPOTIFYMichelle Sheté - Eiré FOLLOW ON BANDCAMPDESCIENDA - FuegoFor Music Biz Resources Visit www.FEMusician.com and www.ProfitableMusician.comVisit our Sponsor Profitable Musician Newsletter at profitablemusician.com/joinVisit our Sponsor 39 Streams of Income at profitablemusician.com/incomeVisit our Sponsor Visit www.wosradio.com for more details and to submit music to our review board for consideration.Visit our resources for Indie Artists: https://www.wosradio.com/resourcesBecome more Profitable in just 3 minutes per day. http://profitablemusician.com/join

Ready to replace your 9 to 5 income, build a personal brand, and launch your speaker, coach, or consultant business? In this powerful episode, I reveal the exact steps I took to go from laid off to thriving entrepreneur. You'll learn how to start a personal brand, monetize your expertise, and use digital marketing for coaches to grow your authority online in 2025 and beyond.  If you are ready to leave your 9 to 5 for business, and become the go-to expert in your industry, this is the episode for you.   NEED HELP BUILDING YOUR BRAND? Join My Maximize Your Brand Newsletter https://markeithbraden.com/  Ready To Build Your Brand? Schedule a consultation below.  https://markeithbraden.as.me/consultation Connect with me on your Fav Social Platforms Instagram:  https://www.instagram.com/markeithbraden/ Facebook Page: https://www.facebook.com/MarkeithBraden TikTok: https://www.tiktok.com/@markeithbraden YouTube: https://www.youtube.com/c/MarkeithBraden

Read the article.The Bible is replete with commands regarding the intersection of money and ministry: “Freely give” (Matt 10:8), don't be “peddlers of God's Word” (2 Cor 2:17), “you cannot serve God and money” (Matt 6:24), etc. Clearly, ministry is a task fraught with danger; it is no wonder James warns that not many should become teachers (James 3:1).Given these concerns, how are those who advance the Word of God to Christians to honor the Lord financially? They must guard against greed in their own hearts, but they also must demonstrate their good intentions before man (2 Cor 8:21). The work of ministry requires resources, but to charge the hearers a fee may solicit accusations of using godliness as a means of gain (1 Tim 6:5).One supposed remedy is to donate the profits. If someone receives none—or only a small amount—of the revenue, then they have at least demonstrated some level of generosity. In theory, this evidences a sincere heart that only desires to honor God.⁠sellingjesus.org⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ | ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠thedoreanprinciple.org⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ | ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠copy.church⁠

You don't need to sell real estate to raise capital—you just need this one question.

Mike Milligan, a Certified Financial Planning Professional, author, podcast and radio show host, and university lecturer, brings 26 years of experience to the financial planning industry. After beginning his career in large banks and insurance companies, he founded his first firm 15 years ago with the belief that “everyone is One of a Kind; and they deserve a One of a Kind Financial Plan.”Challenging the “One Size Fits All” approach to financial advice, which he refers to as “Retirement Déjà Vu™,” Mike developed The One of a Kind Financial Plan™. This comprehensive plan addresses taxes, retirement income, investments, long-term care, and legacy, enabling clients to live a “One of a Kind Life.” Recognizing the need for a clear retirement vision, he then created Retirement CHI™ to supplement the plan. This innovative approach focuses on community, health, and impact, further reducing stress for his clients. Mike leads a team of over 20 professionals across the United States, including Hawaii.Learn more: http://www.1OakFinancial.comThe information provided is for illustrative purposes only and does not constitute investment, tax, or legal advice. Information is obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed. Neither Mike Milligan nor his guests are liable for the use of information discussed. Always consult with a qualified investment, tax, or legal professional before taking any action or schedule a meeting with Mike Milligan.Annuity guarantees are based solely on the financial strength and claims-paying ability of the issuing company. Individuals should thoroughly review the contract for specific product features and costs. Income payments and withdrawals from deferred annuities are generally taxable as ordinary income in the year they are taken.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-mike-milligan-founder-of-1-oak-financial-discussing-your-retirement-chi

Mike Milligan, a Certified Financial Planning Professional, author, podcast and radio show host, and university lecturer, brings 26 years of experience to the financial planning industry. After beginning his career in large banks and insurance companies, he founded his first firm 15 years ago with the belief that “everyone is One of a Kind; and they deserve a One of a Kind Financial Plan.”Challenging the “One Size Fits All” approach to financial advice, which he refers to as “Retirement Déjà Vu™,” Mike developed The One of a Kind Financial Plan™. This comprehensive plan addresses taxes, retirement income, investments, long-term care, and legacy, enabling clients to live a “One of a Kind Life.” Recognizing the need for a clear retirement vision, he then created Retirement CHI™ to supplement the plan. This innovative approach focuses on community, health, and impact, further reducing stress for his clients. Mike leads a team of over 20 professionals across the United States, including Hawaii.Learn more: http://www.1OakFinancial.comThe information provided is for illustrative purposes only and does not constitute investment, tax, or legal advice. Information is obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed. Neither Mike Milligan nor his guests are liable for the use of information discussed. Always consult with a qualified investment, tax, or legal professional before taking any action or schedule a meeting with Mike Milligan.Annuity guarantees are based solely on the financial strength and claims-paying ability of the issuing company. Individuals should thoroughly review the contract for specific product features and costs. Income payments and withdrawals from deferred annuities are generally taxable as ordinary income in the year they are taken.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-mike-milligan-founder-of-1-oak-financial-discussing-your-retirement-chi

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In this week's Wicked Smart Master's Class, we welcome Deidre Quinn, 22-year real estate veteran and founder of The Deidre Quinn Team at eXp Realty. Deidre is more than just a top-producing agent—she's a forward-thinking entrepreneur, podcast host, media contributor, and coach who thrives on building relationships, amplifying her voice through content, and staying ahead of industry trends.   In this conversation, Deidre shares her journey through market shifts, technological disruption, and personal reinvention. From building a referral-based team culture to launching her Pending & Trending podcast and appearing on HGTV's American Dream, she reveals what it takes to grow with integrity, pivot with purpose, and stay passionate about your work after two decades in the business.   Key Talking Points of the Episode   00:00 Introduction 01:16 Who is Deidre Quinn? 03:08 How real estate has evolved: From fax machines to AI 05:01 The impact of AI on coaching and client expectations 08:23 Market downturns, pivots, and staying relevant 09:09 Coaching, learning, and delegation in real estate 11:13 Building a referral-based business and expanding reach 15:24 Launching the Pending & Trending podcast and the power of platforms 17:58 Why Deidre never “sells” and how her business thrives on relationship-first principles 18:56 Taking part in HGTV's American Dream to highlight Philadelphia 21:23 Operating in the Greater Philadelphia area and expanding to the Poconos market 23:21 How you can get in touch with Deidre and her team 24:06 Lead with value, stay adaptable, and prioritize the client   Quotables   “If you don't pivot, your time in the industry is going to be really short.”   “People always need a place to live. And if you're good at what you do, they'll always need your help.”   “You can't just stay the same and expect everything to stay the same around you.”   Links   The Deidre Quinn Team https://www.deidrequinn.com/ https://www.facebook.com/DeidreQuinnTeam https://www.instagram.com/teamquinnstagram   QLS Live https://qlslive.com   Real Estate On Your Terms and Deal Structure Overtime https://wickedsmartbooks.com/podcast   FREE Master's Class http://smartrealestatecoach.com/masterspodcast   FREE Strategy Session with Chris Pre http://smartrealestatecoach.com/actionpodcast   QLS 4.0 https://smartrealestatecoach.com/qlspodcast   Investor Resources https://smartrealestatecoach.com/resources   Apprentice Program https://smartrealestatecoach.com/apprentice-pod   In the Trenches Bootcamp https://smartrealestatecoach.com/ittb-pod   3 Paydays Virtual Event https://smartrealestatecoach.com/3paydayspodcast   REI Blackbook https://smartrealestatecoach.com/REIBB-pod   7 Figures Funding https://smartrealestatecoach.com/7figures-pod   Land Voice https://smartrealestatecoach.com/landvoice-pod

To get live links to the music we play and resources we offer, visit www.WOSPodcast.comThis show includes the following songs:Steph Maguire - Ride High FOLLOW ON SPOTIFYKat Lacombe - Mother Moon FOLLOW ON SPOTIFYDarcy Fox - Lifting Weights FOLLOW ON SPOTIFYBeth Beighey - Just Another Heartache FOLLOW ON SPOTIFYHello Sister - The Gift FOLLOW ON SPOTIFYLisa Ellen-Pawlak - Southwest Skies FOLLOW ON SPOTIFYGive Me A Remedy - ALL OF ME WAS MINE FOLLOW ON SPOTIFYAkira Sky - Block My Number FOLLOW ON SPOTIFYPiper Connolly - Chameleon FOLLOW ON SPOTIFYEliz - Losing Oxygen FOLLOW ON SPOTIFYKATANIA - cheat. FOLLOW ON SPOTIFYAnjali Manoharan - Nothing Ever Lasts Long FOLLOW ON SPOTIFYRÊVERIE - Secrets FOLLOW ON SPOTIFYJessie Bird - If This Is How Sorry Goes FOLLOW ON SPOTIFYGala Maria x McKenna Gray - A Bite of Magic FOLLOW ON SPOTIFYFor Music Biz Resources Visit www.FEMusician.com and www.ProfitableMusician.comVisit our Sponsor Profitable Musician Newsletter at profitablemusician.com/joinVisit our Sponsor 39 Streams of Income at profitablemusician.com/incomeVisit our Sponsor Visit www.wosradio.com for more details and to submit music to our review board for consideration.Visit our resources for Indie Artists: https://www.wosradio.com/resourcesBecome more Profitable in just 3 minutes per day. http://profitablemusician.com/join

“A faithful man will abound with blessings, but whoever hastens to be rich will not go unpunished.” - Proverbs 28:20Powerball jackpots and scratch-off tickets might seem like a shortcut to financial freedom, but should Christians be buying in? Dr. David W. Jones returns to our financial ethics series today to help us think biblically about the lottery and whether it aligns with a life of faithful stewardship.Dr. David W. Jones is Senior Professor of Christian Ethics at Southeastern Baptist Theological Seminary. He holds a Ph.D. in Christian Financial Ethics and is the author of Every Good Thing: An Introduction to the Material World and the Common Good for Christians.Quick Wealth vs. Steady StewardshipProverbs 13:11 warns, “Wealth gained hastily will dwindle, but whoever gathers little by little will increase it.” Hebrews 13:5 exhorts believers to “keep your life free from the love of money and be content with what you have.” These passages highlight the value of work, patience, and contentment—virtues that stand in direct contrast to the quick-fix allure of lottery winnings.The lottery promises flourishing without labor, but God's design in Genesis 1 calls us to be co-creators with Him—to work, to produce, and to flourish through effort. Skipping that process isn't just unwise—it violates God's design for human flourishing.Is playing the lottery merely harmless entertainment? We should pay close attention to what our financial decisions reveal: Jesus taught, ‘Where your treasure is, there your heart will be also' (Matt. 6:21). If someone regularly spends money on lottery tickets, it could point to deeper issues—discontentment, greed, or misplaced hope.Scripture reminds us in Proverbs 23:7, “As a man thinks in his heart, so is he.” Our actions—including how we spend—are often the most honest indicators of our spiritual condition.Entertainment or Exploitation?While scratching a ticket at a birthday party may seem harmless, there's a big difference between a one-time event and a habitual lifestyle of gambling. And even if the act is permissible, that doesn't make it wise (1 Cor. 10:23).We must also consider the industry behind the lottery. It preys upon the poor. Statistics show that the lowest-income Americans buy more than half of all lottery tickets, with some spending up to 6% of their income. In many ways, it functions like a regressive tax, taking from those who can least afford it.Some believers wonder whether it's ethical to accept scholarships or grants funded by state lotteries. Of course, there's room for Christian liberty here. Some will choose to opt-out due to conscience. Others will recognize we live in a fallen world and may receive such benefits without directly participating in the system. Either way, we should be aware of what we're engaging with and remain open before the Lord.A Better Way to FlourishIf you're feeling convicted, confess it to the Lord. ‘If we confess our sins, He is faithful and just to forgive us' (1 John 1:9). And as with any area of struggle, don't walk alone. Seek accountability and encouragement through your local church.Ultimately, the Christian life invites us to a different kind of richness—one rooted not in luck or chance but in trust and obedience. As Ecclesiastes 3:13 says, “Everyone should eat and drink and take pleasure in all his toil—this is God's gift to man.”For more biblical insight on wealth and stewardship, pick up Dr. David W. Jones's book Every Good Thing: An Introduction to the Material World and the Common Good for Christians, available wherever books are sold.On Today's Program, Rob Answers Listener Questions:Around this time last year, I had several credit cards with balances ranging from $5,000 to $6,000 each. I stopped paying on the top three and am still making payments on one. I'm not sure what steps to take next.Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Every Good Thing: An Introduction to the Material World and the Common Good for Christians by Dr. David W. JonesWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

What does today's housing data tell us about tomorrow's economy? On this episode of REady2Scale, Jeannette Friedrich sits down with Lance Lambert, CEO of Resi Club and former real estate editor at Fortune Magazine, to unpack the real story behind housing inventory levels, affordability pressures, and regional price corrections. From Sunbelt softness to generational shifts in homeownership, Lance offers a grounded, data-informed view of where we stand and where we may be headed. Key Takeaways: Inventory is building, but not fully recovered: Active listings have passed one million for the first time since 2019, though total inventory is still below pre-pandemic norms. The increase is driven more by slower sales than a surge in new supply. Affordability remains a constraint: Home prices grew faster than incomes during the pandemic boom. With mortgage rates still elevated, many homeowners are hesitant or unable to move. Underwater mortgages are highly concentrated: While only about 1% of U.S. mortgages are underwater nationally, pockets in the Sunbelt, like Cape Coral and Austin, show higher risk. These cases are mostly limited to 2022 buyers. Regional bifurcation is widening: Sunbelt markets and parts of the West are softening, while many Midwest and Northeast markets are holding firmer due to tighter supply. The “locked-in” effect is real: Homeowners with low mortgage rates are staying put, reducing turnover. The current level of home sales per capita is at a 40-year low. Generational timing is shifting: The average age of first-time homebuyers is now 38, up from 33 just five years ago, driven by both affordability and lifestyle delays. Builders are feeling the pressure: New construction inventory is at a decade high, and developers are relying more on incentives and price cuts to move product. The housing shortage debate is nuanced: Estimates of how short the market is vary significantly. Some regions have a true supply gap, while others show little evidence of shortage when adjusted for population and household formation. What could shift the market: Income growth, rate adjustments, and time-driven lifestyle changes may gradually unlock inventory and restore balance. This episode is a detailed, research-backed conversation for anyone seeking clarity on how structural shifts and economic forces are shaping the future of U.S. housing. Are you REady2Scale Your Multifamily Investments? Learn more about growing your wealth, strengthening your portfolio, and scaling to the next level at www.bluelake-capital.com. Credits Producer: Blue Lake Capital Strategist: Syed Mahmood Editor: Emma Walker Opening music: Pomplamoose *

Mike Milligan, a Certified Financial Planning Professional, author, podcast and radio show host, and university lecturer, brings 26 years of experience to the financial planning industry. After beginning his career in large banks and insurance companies, he founded his first firm 15 years ago with the belief that “everyone is One of a Kind; and they deserve a One of a Kind Financial Plan.”Challenging the “One Size Fits All” approach to financial advice, which he refers to as “Retirement Déjà Vu™,” Mike developed The One of a Kind Financial Plan™. This comprehensive plan addresses taxes, retirement income, investments, long-term care, and legacy, enabling clients to live a “One of a Kind Life.” Recognizing the need for a clear retirement vision, he then created Retirement CHI™ to supplement the plan. This innovative approach focuses on community, health, and impact, further reducing stress for his clients. Mike leads a team of over 20 professionals across the United States, including Hawaii.Learn more: http://www.1OakFinancial.comThe information provided is for illustrative purposes only and does not constitute investment, tax, or legal advice. Information is obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed. Neither Mike Milligan nor his guests are liable for the use of information discussed. Always consult with a qualified investment, tax, or legal professional before taking any action or schedule a meeting with Mike Milligan. Annuity guarantees are based solely on the financial strength and claims-paying ability of the issuing company. Individuals should thoroughly review the contract for specific product features and costs. Income payments and withdrawals from deferred annuities are generally taxable as ordinary income in the year they are taken.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-mike-milligan-founder-of-1-oak-financial-discussing-the-paralysis-penalty

Is it really possible to build a thriving therapy practice and a fulfilling life when you're the sole income earner? In this episode, I open up about the raw, real journey of growing my business while raising my daughter as a single mom—and what it actually takes to financially support a household alone. Whether you're navigating single-income life, are the breadwinner of your family, or simply feeling the weight of building a business with no plan B, this episode is for you. I'm pulling back the curtain on what it's been like to go from grieving, scrappy survival mode to buying my first home, while scaling a practice with purpose. We'll talk about mindset shifts, strategic systems, and how to stay grounded in faith and self-trust when the stakes are high. If you've ever wondered how single-income earners make it all work behind the scenes—or how you can—this episode is filled with lessons, inspiration, and real-life tools to keep going. Topics Covered In This Episode: 7:42 – A personal story that proves manifestation takes time—and patience 10:40 – The 3 qualities every single income earner must develop 11:56 – 5-minute habit that will keep your finances on track 13:05 – A belief about money that could quietly be sabotaging your success 14:22 – The spiritual habit that helps me co-create income 15:46 – Why white space may be the most profitable thing on your calendar 19:31 – The ego trap that silently drains your business and joy If you are looking to scale your practice beyond 1-1 this year, the Scale Up Mastermind is open and accepting applications for our September cohort. I encourage you to take a look at it and if this episode speaks to you, don't forget to hit subscribe and leave a review.   Resources Mentioned: Scale your practice beyond 1-1 this year with the Scale Up Mastermind 

Mike Milligan, a Certified Financial Planning Professional, author, podcast and radio show host, and university lecturer, brings 26 years of experience to the financial planning industry. After beginning his career in large banks and insurance companies, he founded his first firm 15 years ago with the belief that “everyone is One of a Kind; and they deserve a One of a Kind Financial Plan.”Challenging the “One Size Fits All” approach to financial advice, which he refers to as “Retirement Déjà Vu™,” Mike developed The One of a Kind Financial Plan™. This comprehensive plan addresses taxes, retirement income, investments, long-term care, and legacy, enabling clients to live a “One of a Kind Life.” Recognizing the need for a clear retirement vision, he then created Retirement CHI™ to supplement the plan. This innovative approach focuses on community, health, and impact, further reducing stress for his clients. Mike leads a team of over 20 professionals across the United States, including Hawaii.Learn more: http://www.1OakFinancial.comThe information provided is for illustrative purposes only and does not constitute investment, tax, or legal advice. Information is obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed. Neither Mike Milligan nor his guests are liable for the use of information discussed. Always consult with a qualified investment, tax, or legal professional before taking any action or schedule a meeting with Mike Milligan. Annuity guarantees are based solely on the financial strength and claims-paying ability of the issuing company. Individuals should thoroughly review the contract for specific product features and costs. Income payments and withdrawals from deferred annuities are generally taxable as ordinary income in the year they are taken.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-mike-milligan-founder-of-1-oak-financial-discussing-the-paralysis-penalty

Most authors stop at writing the book. But what if the book is just the beginning? In this episode, AJ Vaden sits down with Nick Hutchison, founder of BookThinkers, to reveal the real work that starts after your book is published. Whether you're a seasoned author or launching your first title, this conversation will show you why being best-written means nothing if you're not also best-selling. They break down: Why small podcasts outperform big shows for book sales The 3 content formats that actually convert (and how to use them) How to structure a 60-second video to sell your book on autopilot Why books don't just share ideas—they start movements And the surprising truth about what builds lasting influence If you're a mission-driven messenger with a book—or a message—you need this episode. And if you're not selling your book, ask yourself: do you really believe in it?

I had a blast doing this podcast with MC. We actually had quite an amazing talk before and after about politics and a lot of things we have in common. You gotta listen to this one to get the real scoop behind the guy known as the Cashflow Ninja. Be sure and check out his podcast as well to hear flipside interview I did on his show.   --- Click here to change your life- http://eepurl.com/gy5T3T   Hit me up for a one-on-one brainstorming session- https://militaryimagesproject.com/products/brainstorming-session-1-hour    Sign up for the Tip Sheet for tons of income opportunities- https://drdavea6500c.clickfunnels.com/sales-pagekwe3so96    *** Find MC Laubscher at https://cashflowninja.com/  Check out MC's book Get Wealthy for Sure at https://amzn.to/44tDiXp   Things mentioned in the show: The Creature from Jekyll Island: A Second Look at the Federal Reserve by G. Edward Griffin https://amzn.to/46jBa70  Rich Dad's Cashflow Quadrant by Robert Kiyosaki https://amzn.to/4npYkPi   Becoming Your Own Banker: Unlock the Infinite Banking Concept by R. Nelson Nash https://amzn.to/3I1wCrU    --- Check out the sweet Hyper X mic I'm using. https://amzn.to/41AF4px    Check out Dr. Dave's Streams of Income at: www.drdavidpowers.com   www.instagram.com/drdavidpowers  www.youtube.com/@streamsofincomebydrdave  --- Join the Streams of Income community at www.facebook.com/groups/streamsofincomedream  --- Check out Passive Income Engines to find your own Streams of Income at www.SelfCoachYourself.com --- Check out my best-selling books: Rapid Skill Development 101- https://amzn.to/3J0oDJ0 Streams of Income with Ryan Reger- https://amzn.to/3SDhDHg Strangest Secret Challenge- https://amzn.to/3xiJmVO --- This page contains affiliate links. This means that if you click a link and buy one of the products on this page, I may receive a commission (at no extra cost to you!) This doesn't affect our opinions or our reviews. Everything we do is to benefit you as the reader, so all of our reviews are as honest and unbiased as possible. --- #passiveincome #sidehustle #cryptocurrency #richlife

Mike Milligan, a Certified Financial Planning Professional, author, podcast and radio show host, and university lecturer, brings 26 years of experience to the financial planning industry. After beginning his career in large banks and insurance companies, he founded his first firm 15 years ago with the belief that “everyone is One of a Kind; and they deserve a One of a Kind Financial Plan.”Challenging the “One Size Fits All” approach to financial advice, which he refers to as “Retirement Déjà Vu™,” Mike developed The One of a Kind Financial Plan™. This comprehensive plan addresses taxes, retirement income, investments, long-term care, and legacy, enabling clients to live a “One of a Kind Life.” Recognizing the need for a clear retirement vision, he then created Retirement CHI™ to supplement the plan. This innovative approach focuses on community, health, and impact, further reducing stress for his clients. Mike leads a team of over 20 professionals across the United States, including Hawaii.Learn more: http://www.1OakFinancial.comThe information provided is for illustrative purposes only and does not constitute investment, tax, or legal advice. Information is obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed. Neither Mike Milligan nor his guests are liable for the use of information discussed. Always consult with a qualified investment, tax, or legal professional before taking any action or schedule a meeting with Mike Milligan. Annuity guarantees are based solely on the financial strength and claims-paying ability of the issuing company. Individuals should thoroughly review the contract for specific product features and costs. Income payments and withdrawals from deferred annuities are generally taxable as ordinary income in the year they are taken.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-mike-milligan-founder-of-1-oak-financial-discussing-the-sea-of-sameness

In just three years, this investor scaled up to making over $100,000 per year thanks to real estate. He did it all starting in 2022 when interest rates were beginning to rise, the market was turning, and many investors decided to sit on their hands. Thanks to a strategy that allowed him to “recycle” his money, he went from one down payment to 16 rental units in record time. How'd he do it? Only in his 20s, Ricardo Adames already knew he wanted out of his career. Working harder wasn't paying him dividends, so he knew he needed an extra income source. Even after taking a “risk” on his first deal, he was able to walk away with a perfect rental property that only cost him (after all was said and done) $5,000. How's that possible? Simple—the BRRRR method.  In this episode, Ricardo details this cash-recycling method investors can use TODAY to build a six-figure-producing real estate portfolio, even if you have little experience. Plus, Ricardo shares his exact “buy box”—the properties he's targeting for more home-run real estate deals in 2025! In This Episode We Cover How to “recycle” your down payment money and scale way faster with the BRRRR method  Why buying below-market-value is the ultimate risk-mitigator in 2025  How Ricardo went from zero experience to doing eight real estate deals at once just three years later  Why high interest rates aren't stopping you from investing in real estate  Making money even in a down market (Florida!) that most won't invest in  And So Much More! Check out more resources from this show on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠BiggerPockets.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.biggerpockets.com/blog/real-estate-1144 Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠advertise@biggerpockets.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Learn more about your ad choices. Visit megaphone.fm/adchoices

On this episode of Animal Spirits: Talk Your Book, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Michael Batnick⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ben Carlson⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ are joined by Matt Kaufman, Senior Vice President and Head of ETFs at Calamos to discuss the Calamos Autocallable Income ETF (CAIE), a first-of-its-kind fund bringing institutional-style structured notes to the ETF world. They explore what makes CAIE structurally unique compared to traditional autocallable notes, including how its laddered structure offers investors a differentiated income strategy. Find complete show notes on our blogs... Ben Carlson's ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠A Wealth of Common Sense⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Michael Batnick's ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Irrelevant Investor⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Feel free to shoot us an email at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠animalspirits@thecompoundnews.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ with any feedback, questions, recommendations, or ideas for future topics of conversation. Check out the latest in financial blogger fashion at The Compound shop: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://idontshop.com⁠ Investing involves the risk of loss. This podcast is for informational purposes only and should not be or regarded as personalized investment advice or relied upon for investment decisions. Michael Batnick and Ben Carlson are employees of Ritholtz Wealth Management and may maintain positions in the securities discussed in this video. All opinions expressed by them are solely their own opinion and do not reflect the opinion of Ritholtz Wealth Management. See our disclosures here: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://ritholtzwealth.com/podcast-youtube-disclosures/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ The Compound Media, Incorporated, an affiliate of ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ritholtz Wealth Management⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, receives payment from various entities for advertisements in affiliated podcasts, blogs and emails. Inclusion of such advertisements does not constitute or imply endorsement, sponsorship or recommendation thereof, or any affiliation therewith, by the Content Creator or by Ritholtz Wealth Management or any of its employees. For additional advertisement disclaimers see here ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://ritholtzwealth.com/advertising-disclaimers⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of the Personal Finance Podcast Money Q&A,  we are going to talk about  should I take on debt to start my dream business on the side? Watch this episode on Youtube Today we are going to answer these questions:  Question 1: Should I risk $40K from my home equity to launch my dream tutoring center or build more clients first? Question 2: Should I raid my emergency fund to max my Roth IRA upfront or play it safe and invest slowly? Question 3: Is going into student debt for film school in NYC worth it — and how do I avoid drowning in loans? Question 4: How do I figure out what my pension is really worth when planning my retirement? Question 5: What are legit remote side hustles to crush credit card debt if I love reading and editing? Question 6: Should I pay off a 20% credit card with my 7% HELOC — or leave it alone and pay it down slowly? How Andrew Can Help You:  Listen to The Business Show here. Don't let another year pass by without making significant strides toward your dreams. "Master Your Money Goals" is your pathway to a future where your aspirations are not just wishes but realities. Enroll now and make this year count! Join The Master Money Newsletter where you will become smarter with your money in 5 minutes or less per week Here! Learn to invest by joining  Index Fund Pro! This is Andrew's course teaching you how to invest!  Watch The Master Money Youtube Channel! , Ask Andrew a question on Instagram or TikTok.  Learn how to get out of Debt by joining our Free Course  Leave Feedback or Episode Requests here.  Car buying Calculator here Thanks to Our Amazing Sponsors for supporting The Personal Finance Podcast. Shopify: Shopify makes it so easy to sell. Sign up for a one-dollar-per-month trial period at  shopify.com/pfp Thanks to Policy Genius for Sponsoring the show! Go to policygenius.com to get your free life insurance quote. Indeed: Start hiring NOW with a SEVENTY-FIVE DOLLAR SPONSORED JOB CREDIT to upgrade your job post at Indeed.com/personalfinance Go to https://joindeleteme.com/PFP20/ for 20% off! DELL: Get a new Dell AI PC starting at $749.99, at Dell.com/ai-pc.  This episode is sponsored by Plaud https://www.plaud.ai/ — an AI wearable gadget that takes notes of meetings and calls. With Plaud, you don't have to take notes and make summaries anymore. Shop outdoor furniture, grills, lawn games, and WAY more for WAY less. Head to wayfair.com  Function is offering 160+ lab tests for $365 to anyone who signs up. To get started, visit www.functionhealth.com/PERSONALFINANCE  Get 50% Off Monarch Money, the all-in-one financial tool at www.monarchmoney.com/PFP   Links Mentioned in This Episode:  5 Side-Hustles That Can Turn into a Full time Income! 5 Side-Hustles That Can Turn into a Full time Income! (Part 2) Connect With Andrew on Social Media:  Instagram  TikTok Twitter  Master Money Website  Master Money Youtube Channel   Free Guides:   The Stairway to Wealth: The Order of Operations for your Money  How to Negotiate Your Salary  The 75 Day Money Challenge  Get out Of Debt Fast  Take the Money Personality Quiz Learn more about your ad choices. Visit megaphone.fm/adchoices

To get live links to the music we play and resources we offer, visit www.WOSPodcast.comThis show includes the following songs:Danica Bryant - Buzz FOLLOW ON SPOTIFYJess Novak Band - Woman FOLLOW ON SPOTIFYIzzy Imamura - Mine to Lose FOLLOW ON SPOTIFYRachel Tauwnaar - Pray For Us FOLLOW ON SPOTIFYChase the Comet - Rage Inside FOLLOW ON SPOTIFYMaggie Baring - Glass Ceiling FOLLOW ON SPOTIFYGoldtooth - Death In The Valley FOLLOW ON SPOTIFYAnna Hudson - Leech FOLLOW ON SPOTIFYExcuse for an Exit - side by side FOLLOW ON SPOTIFYLeanne Lightfoot - Cry Baby FOLLOW ON SPOTIFYAlessiah - Made You Cry FOLLOW ON SPOTIFYBERTY - Big Leap FOLLOW ON SPOTIFYHeather Edgley - Broken Promises FOLLOW ON SPOTIFYMission Road - Going Through the Motions FOLLOW ON SPOTIFYJenane - Talk to Me FOLLOW ON SPOTIFYFor Music Biz Resources Visit www.FEMusician.com and www.ProfitableMusician.comVisit our Sponsor Profitable Musician Newsletter at profitablemusician.com/joinVisit our Sponsor 39 Streams of Income at profitablemusician.com/incomeVisit our Sponsor Visit www.wosradio.com for more details and to submit music to our review board for consideration.Visit our resources for Indie Artists: https://www.wosradio.com/resourcesBecome more Profitable in just 3 minutes per day. http://profitablemusician.com/join