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You need to be able to outprint the Fed. To learn a stress-tested way to accelerate your investment capital, go to https://remnantfinance.com/options to learn the framework we discuss this week.AI is transforming the world faster than anyone realizes—and the job market as we know it is about to disappear. In this episode, we speak with Navy nuclear engineer turned entrepreneur Troy Broussard, founder of Low Stress Trading, about how to survive this economic upheaval by creating money faster than the Federal Reserve can devalue it.Troy shares how his unique trading framework is helping ordinary people beat inflation, break free from the traditional “buy and hope” system, and generate consistent weekly income—regardless of what the market does. We explore how artificial intelligence, automation, and Elon Musk's Starlink and Optimus projects are dismantling the old economy and why financial independence now depends on agility, not credentials.The financial paradigms that guided the last ninety years will be counterproductive in the next ninety years. This is an episode about freedom—from inflation, from dependence on failing systems, and from the illusion of job security.Chapters:00:30 - Opening segment04:10 - Elon Musk's Starlink, Optimus, and the AI revolution10:45 - Why Apple stopped innovating and what it means for investors15:20 - The collapse of old financial paradigms21:00 - The rich don't pay taxes—they redefine income27:45 - Throwing away 90 years of failed investment logic33:30 - What weekly options really are and why anyone can learn them41:15 - How to make money in an up, down, or sideways market47:20 - Weekly income vs. buy‑and‑hope investing52:00 - Real‑world math: The “lost decade” myth58:30 - Income beats net worth—why cash flow wins every time1:03:45 - Trading through recessions and inflation cycles1:10:50 - Why “too good to be true” is a broken mindset1:18:00 - Generational impact: teaching kids to outpace inflation1:23:40 - Hyper‑compounding: 1% per week means 68% annually1:29:10 - The future of Low Stress Trading's software revolution1:33:20 - The community that celebrates success, not envy1:38:40 - Closing thoughtsKey Takeaways:AI is rewriting the job market faster than experts predictedElon Musk's Starlink and Optimus projects will redefine automation and employmentInflation is real, and official CPI numbers are meaningless compared to daily realityThe wealthy build wealth by controlling how income is classified and taxed“Buy and Hold” investing is obsolete in the AI-driven economyWeekly option trading creates consistent, compounding incomeYou can make money in any market by “being the bank” through optionsTeaching kids financial literacy early can make them self-sufficient for lifeThe new financial freedom is independent of jobs, pensions, or Wall StreetLearn Troy's trading framework at https://remnantfinance.com/options ! Got Questions? Reach out to us at info@remnantfinance.com or book a call at https://remnantfinance.com/calendar !Visit https://remnantfinance.com for more informationFOLLOW REMNANT FINANCEYoutube: @RemnantFinance (https://www.youtube.com/@RemnantFinance )Facebook: @remnantfinance (https://www.facebook.com/profile.php?id=61560694316588 )Twitter: @remnantfinance (https://x.com/remnantfinance )TikTok: @RemnantFinanceDon't forget to hit LIKE and SUBSCRIBE
Paul Jamison and Mr. Producer explore the concept of lifestyle creep, offering practical advice on controlling expenses to ensure they don't outpace your growing income.
Feeling like your paycheck is your only safety net? It's time to change that. In this episode, Tracy Bingaman—PA, career coach, and your go-to brainstorming buddy—shares practical and creative ways to diversify your income as a clinician.From investing beyond retirement to medical surveys, teaching, consulting, and creative work like medical writing or coaching PA applicants, Tracy walks you through both active and passive income ideas that can help you build security and freedom.
In this episode, you'll learn how Jordyn: Created a 10X Quantum LEAP in Magicmind and got her ROI back within weeks! Within 2 months of joining, had a $10K Weekend and $20K Month Scaled from 1-1 to selling out her groups (And 100% renewal rate in her Alumni program) How her values on investing in mentorship has scaled her business The 10X Identity shifts she's made and who she's had to become as CEO How our relationship as coach and client has compounded + strengthened through long term mentorship! and so much more! Jordyn is a business astrologer & coach who loves to see WOC reach their highest cash months & scale their soul-led legacies from their cosmic blueprint. Connect with Jordyn on IG: @cosmic.creatrix ______________________________________________ Magicmind Mastermind is a 12-month business mastermind for visionary entrepreneurs to take the world you're building into its most EXPLOSIVE, breakthrough year so that your Unique Artistry is world renowned, and your aligned clients are OBSESSED with buying from you over and over. Read more about Magicmind Mastermind HERE Click HERE to book a 1:1 consult call with Tiffany to chat about joining Magicmind, your main goals, and identify your 3 main, custom focuses + strategies for the Mastermind.
In this episode of The Smart Real Estate Coach Podcast, I sit down with Lon Welsh, founder and CEO of Your Castle Real Estate and Ironton Capital, to unpack how investors can navigate today's economic climate with data, discipline, and diversification. Lon brings more than two decades of experience in commercial and residential real estate and now manages nearly $100 million in private funds through Ironton Capital. We talk about how market trends are shifting across regions, how private income funds compare to active investing, and why investor sentiment is near decade lows despite strong fundamentals. Lon also shares how his team is using AI and data analytics to gain an edge in decision-making, plus what investors should expect heading into 2025 and beyond. If you're ready to sharpen your macro understanding and learn how to balance active vs. passive investing, this episode will help you make smarter, calmer financial decisions in any market cycle. Key Talking Points of the Episode 00:00 Introduction 01:20 Who is Lon Welsh? 02:45 National housing slowdown: why the West and Southeast are softening faster 04:05 Comparing private funds vs. individual investing: pros, cons, and liquidity 05:17 Why investor sentiment is at a decade low and how media fear feeds it 06:35 Explaining Ironton's Short-Term and Medium-Term funds 08:26 The ideal investor profile: active landlords, busy professionals, and developers 09:29 How developers use Ironton's funds to earn while waiting on permits 13:16 The National Diversified Fund: balancing new builds with value-add multifamily 14:20 Using AI for analytics, underwriting, and even writing Lon's 14th book 15:32 How Lon tracks national real estate trends quarterly and why it matters 17:30 The regional outlook for 2025: where growth and appreciation are heading 18:56 How to get in touch with Lon and his team 19:54 Alternatives & diversification: making institutional-grade investing accessible 20:45 How the JOBS Act opened opportunities for accredited investors Quotables “Consumer sentiment right now is the lowest it's been in a decade, even though the economy is healthier than people think.” “Don't panic. The media thrives on fear but markets reward patience and perspective.” “At each phase of the market cycle, there's a different strategy that works best. Listen to the market, don't fight it.” Links Ironton Capital https://irontoncapital.com FREE Guide to Passive Diversified Real Estate Investing https://irontoncapital.com/smartrecoach Lon Welsh lonwelsh@irontoncapital.com QLS 4.0 - Use coupon code for 50% off https://smartrealestatecoach.com/qls Coupon code: pod Apprentice Program https://3paydaysapprentice.com Coupon code: Podcast Masterclass https://smartrealestatecoach.com/masterspodcast Wicked Smart Books https://wickedsmartbooks.com/podcast Strategy Session https://smartrealestatecoach.com/actionpodcast Partners https://smartrealestatecoach.com/podcastresources
Head of US & European Real Estate Debt, Nasir Alamgir, joins Streaming Income to discuss why investors - especially those focused on private credit - have been increasingly allocating to real estate debt, and how the opportunity set continues to evolve.Episode Segments:(02:39) – The trends shaping the real estate debt landscape – from rates to AI(05:04) – How & why private credit investors are diversifying into real estate debt(12:14) – Quantifying the maturity wall and its potential impact on valuations(17:37) – How rates (and questions on central bank independence) are playing a role(22:08) – Sector lightning round: Construction lending, Multi-family, Industrial, Office, Data Centers(33:05) – Looking at real estate debt through a global lens(37:17) – The importance of scale in real estate debt (due to loan sizes)(39:15) – Trends to watch in 2026 Make sure to follow our LinkedIn newsletter, Where Credit is Due to stay up-to-date on our latest public & private credit market insights.IMPORTANT INFORMATIONAny forecasts in this podcast are based upon Barings' opinion of the market at the date of preparation and are subject to change without notice, dependent upon many factors. Any prediction, projection or forecast is not necessarily indicative of the future or likely performance. Investment involves risk. The value of any investments and any income generated may go down as well as up and is not guaranteed. PAST PERFORMANCE IS NOT NECESSARILY INDICATIVE OF FUTURE RESULTS. Any examples set forth in this podcast are provided for illustrative purposes only and are not indicative of any future investment results or investments. The composition, size of, and risks associated with an investment may differ substantially from any examples set forth in this podcast. No representation is made that an investment will be profitable or will not incur losses. Barings is the brand name for the worldwide asset management and associated businesses of Barings LLC and its global affiliates. Barings Securities LLC, Barings (U.K.) Limited, Barings Global Advisers Limited, Barings Australia Pty Ltd, Barings Japan Limited, Barings Real Estate Advisers Europe Finance LLP, BREAE AIFM LLP, Baring Asset Management Limited, Baring International Investment Limited, Baring Fund Managers Limited, Baring International Fund Managers (Ireland) Limited, Baring Asset Management (Asia) Limited, Baring SICE (Taiwan) Limited, Baring Asset Management Switzerland Sarl, and Baring Asset Management Korea Limited each are affiliated financial service companies owned by Barings LLC (each, individually, an “Affiliate”).NO OFFER: The podcast is for informational purposes only and is not an offer or solicitation for the purchase or sale of any financial instrument or service in any jurisdiction. The material herein was prepared without any consideration of the investment objectives, financial situation or particular needs of anyone who may receive it. This podcast is not, and must not be treated as, investment advice, an investment recommendation, investment research, or a recommendation about the suitability or appropriateness of any security, commodity, investment, or particular investment strategy.Unless otherwise mentioned, the views contained in this podcast are those of Barings and are subject to change without notice. Individual portfolio management teams may hold different views and may make different investment decisions for different clients. Parts of this podcast may be based on information received from sources we believe to be reliable. Although every effort is taken to ensure that the information contained in this podcast is accurate, Barings makes no representation or warranty, express or implied, regarding the accuracy, completeness or adequacy of the informationAny service, security, investment or product outlined in this podcast may not be suitable for a prospective investor or available in their jurisdiction.Copyright in this podcast is owned by Barings. Information in this podcast may be used for your own personal use, but may not be altered, reproduced or distributed without Barings' consent.25-4898933
241: In this episode, we're talking with Brian and Katie Desmarais, a husband-and-wife land investing team who left the corporate world to build a thriving real estate business in under two years.(Show Notes: REtipster.com)Katie was able to leave her W-2 job just nine months into the business. Now they're flipping land from South America while raising their kids and coaching other investors.We discussed how they utilize PPC marketing, what their average land deal entails, how they assembled a team of 9, and why Stride CRM has become the backbone of their entire operation. This is a masterclass in building a lifestyle business through land flipping.If you've ever wondered what's possible with the right systems, tools, and mindset, you'll get a ton of value out of this one.
Get your pencil sharp and get ready to take some notes and ideas on new opportunities in the service-based business realm. --- Click here to change your life- http://eepurl.com/gy5T3T Hit me up for a one-on-one brainstorming session- https://militaryimagesproject.com/products/brainstorming-session-1-hour Check out my Linktree for different ways to rock your world! https://linktr.ee/ruggeddad Check out the sweet Hyper X mic I'm using. https://amzn.to/41AF4px Check out my best-selling books: Rapid Skill Development 101- https://amzn.to/3J0oDJ0 Streams of Income with Ryan Reger- https://amzn.to/3SDhDHg Strangest Secret Challenge- https://amzn.to/3xiJmVO This page contains affiliate links. This means that if you click a link and buy one of the products on this page, I may receive a commission (at no extra cost to you!) This doesn't affect our opinions or our reviews. Everything we do is to benefit you as the reader, so all of our reviews are as honest and unbiased as possible. #passiveincome #sidehustle #cryptocurrency #richlife
Subscribe to Simplify My Money: https://www.debtfreedad.com/newsletters/simplify-my-moneyIn this episode of the Debt-Free Dad Podcast, host Kati shares her personal journey of balancing debt payoff and savings. With over $236,446 in debts paid off, Kati discusses the challenges and strategies she used to also save and invest $89,500 into her emergency funds, retirement plans, and health savings account. She highlights the importance of an emergency fund, prioritizing debt repayment, automating savings, and making wise financial decisions with windfalls. Additionally, Kati reflects on her parents' retirement experience and shares actionable steps to manage finances effectively. Join Kati as she offers valuable insights to help you take control of your finances and achieve debt freedom. Support the showThe Totally Awesome Debt Freedom Planner https://www.debtfreedad.com/planner Connect With Brad Website- https://www.debtfreedad.com Facebook - https://www.facebook.com/thedebtfreedad Private Facebook Group - https://www.facebook.com/groups/debtfreedad Instagram - https://www.instagram.com/debtfreedad/ TikTok - https://www.tiktok.com/@debt_free_dad YouTube - https://www.youtube.com/@bradnelson-debtfreedad2751/featured Thanks For Listening Like what you hear? Please, subscribe on the platform you listen to most: Apple Podcasts, iHeartRadio, Spotify, Tune-In, Stitcher, YouTube Music, YouTube We LOVE feedback, and also helps us grow our podcast! Please leave us an honest review in Apple Podcasts, we read every single one. Is there someone that you think would benefit from the Debt Free Dad podcast? Please, share this episode with them on your favorite social network!
Last Friday I announced the Friday Workbox® and all related work products will only be available for purchase till December 31st or while supplies last. But I don't think I explained it very well so I wanted to record this episode to address concerns and reiterate what is going on at Organize 365®. No One is Going Anywhere… Please do not worry, no one is getting laid off. No one who works at Organize 365® is going anywhere. Steph who runs the Friday Workbox will still be here. Stephanie, my Chief of Staff and Anna are also still here. They are doing more behind the scenes things. But no one is going anywhere, we're just all going in a new direction. Got Distracted For about a year and a half I have been trying to support both home and work organization. You see, as an organizer, I get people going in the right direction and then I want to follow them into that thing that they discovered they are good at. But in doing that I now see that I am leaving people behind. They're ready to get off the declutter cycle only to find me miles ahead helping people in work areas. I started Organize 365® because I feel like I am called to help women organize their homes and then they are forced to struggle with what they are uniquely created to do. I want that evolution back. Someone gets decluttered. I help them to get organized and productive. Then they are ready to fly the nest to a coach, start a business, get into a hobby, whatever their next chapter is. I'm just refocusing more narrowly on the home. And this way too there is one clear message for you to share to others who need to get organized. Silver Lining The silver lining in all of this is great pricing now till December 31st or while supplies last. 50% off all work related products excluding the Income and Expense Planner. You will still get the full course, the community, and workbooks. In 2026, the courses will simply move to legacy status. You will still have the community to support you, but there will no longer be someone from Organize 365® leading the community or holding co-working time. And if you are in need of a certified organizer or still want to get certification, it's not too late. The certified organizers for business and the Teacher workbox will be available till December. If you want to get certification or add certification, you can still purchase those. I really tried to explain, in this episode, what the pre-requisites are for adding certifications and how long each one takes. If you want to get inventory, it's deeply discounted for our certified organizers. It's been tough to make the decision to discontinue products that are lucrative to the business and that the community loves so much. But it is time for me to go back to center and focus on that initial transformation I used to get so much feedback about. Thank you so much for all your encouraging words in this transition. After reading so many reactions/responses I feel confident in this decision. I encourage you to listen to episode 680 (re-airing right after this one) again for an extended explanation of all of this and what the future looks like for the current work related products, services, and communities in 2026. There are also links to all the products in episode 680. And if you are still left with questions feel free to email customer service at Customerservice@organize365.com. EPISODE RESOURCES: The Sunday Basket® Sign Up for the Organize 365® Newsletter Did you enjoy this episode? Please leave a rating and review in your favorite podcast app. Share this episode with a friend and be sure to tag Organize 365® when you share on social media!
If you lost everything today (contacts, cash, business, etc), what will you do to rebuild back your income? Well, if I literally had absolutely no money at all, like not even enough to run ads, I would go door-to-door to businesses or just get them on the phone, really. Yeah, I'd get them on the phone. I'm assuming I at least have a phone...
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Ever wondered how someone could make half their annual photography income in just one week? That's exactly what happened to Megan O'Hare when she ran her first strategic Black Friday promotion.In this episode, I'm sitting down with Megan O'Hare, the powerhouse behind The Photo Project—a course that teaches moms how to organize their digital photo chaos. We're diving deep into how Megan went from making around $7,000 on her first attempt at a Black Friday sale to crushing it with $51,000 the following year using my Black Friday in a Box strategy. She's pulling back the curtain on exactly how she structures her promotions, why her done-for-you service sells out twice a year, and how she's built a business model that allows her to barely touch social media while still growing her email list and revenue consistently.This conversation is packed with strategy gold, including why Megan limits her high-ticket one-to-one offers to just two sale periods per year, how she's made certain products available ONLY during Black Friday (talk about built-in urgency!), and why 95% of her done-for-you clients are people who already bought her course but decided they'd rather just have her do it.What you'll learn:How Megan went from $7K to $51K in Black Friday sales by implementing a strategic promotion planThe exact structure of her 5-day Black Friday sale and why limiting availability creates massive demandWhy her done-for-you service clients are almost always previous course buyers (and what that means for YOUR business model)How she runs a summer sale using the same Black Friday strategy for an additional revenue boostHer approach to making certain products available ONLY during promotional periods to drive urgencyWhy lead generation ads are her "cost of doing business" and how she thinks about ROI differentlyThe truth about her email marketing strategy (spoiler: it's not perfect, and that's okay)How she's structured pricing for her done-for-you service to avoid awkward money conversationsResources Mentioned in this episode:Black Friday in a Box: https://gemmabonhamcarter.com/black-friday The Photo Project: https://thephotoproject.co/ Megan O'Hare on Instagram: https://www.instagram.com/oharephotos/ Your Next Steps:Work with Me: https://www.gemmabonhamcarter.com/programsWhat I Use to Run My 7-Figure Business: https://gemmabonhamcarter.com/toolsConnect on Social: https://www.instagram.com/gemma.bonhamcarter Support the show
After a series of challenging years, muni bonds are returning to the “old normal,” with higher income and big price differences between good and poor quality securities. Veteran muni manager Robert DiMella explains why investors can benefit. WEALTHTRACK episode 2216, broadcast on 10/17/25
Most of my clients are confused, frustrated and frankly misled on this involved topic. Attorneys have the tendency to want to show the breadth of their knowledge and that is a big disservice to individuals trying to navigate all the options and features available in this broad topic of Trusts. This is a really important topic that many families put off unnecessarily and take big financial risk in doing so - listen in and let's take this worry off the table with concrete steps you can easily take. Highlights 1% of financial advisors struggle with trust knowledge. Types of trusts. Three key aspects of trusts. Revocable vs irrevocable trusts. Purpose of revocable living trusts. Avoiding probate with a trust. Control from the grave. When a trust becomes irrevocable. Importance of asset protection. Tax implications of irrevocable trusts. The role of domestic asset protection trusts. Income tax implications for trusts. Links and Resources from this Episode Connect with Gary Pinkerton https://www.paradigmlife.net/ gpinkerton@paradigmlife.net https://garypinkerton.com/ https://clientportal.paradigmlife.net/WealthView360 Review, Subscribe and Share If you like what you hear please leave a review by clicking here Make sure you're subscribed to the podcast so you get the latest episodes. Subscribe with Apple Podcasts Follow on Audible Subscribe with Listen Notes Subscribe with RSS
Don swats a studio bug, then swats down the idea of dividend-driven retirement portfolios. Drawing on Jason Zweig's interview with Richard Thaler, they explain why retirees should focus on total return—spending from a diversified portfolio rather than chasing yield. They hit Robinhood's profit model, bid-ask spreads, and the need for automatic-enrollment retirement plans. A listener call leads to a discussion of Social Security timing, debt-free retirement, and (yes) hodgepodge-itis—Don's term for chaotic portfolios. Things wrap with a jailed investor's question, some gallows humor, and the usual banter about holidays and compliance. 0:04 Bug chaos and phone-line reminder 1:41 Why dividend-income portfolios are a trap 2:50 Jason Zweig & Richard Thaler on total-return spending 4:18 Total return beats “high-dividend” illusions 5:39 Robinhood's option-spread profits and the myth of “free” trading 6:15 Schwab vs. Robinhood: relative honesty in bid-ask spreads 7:43 Thaler's take on missing retirement plans and automatic savings 9:05 Anniversary talk and the failed “Debbie Show” experiment 10:15 Back to Thaler—why most workers still lack plans 11:39 Tesla options example showing 7 percent spread 12:05 Case for national retirement depository & hybrid Social Security 13:33 Hodgepodge-itis defined (and owned by Don) 14:51 Low call volume and the Mariners' hangover 15:52 Listener Kevin asks about dividends vs. selling stock 16:53 Reinvesting dividends vs. total-return withdrawals 18:17 Dividends reduce company growth potential 19:45 Why high-yield chasing kills diversification 20:07 Caller David, age 67, plans retirement & asks how to prep 21:55 Social Security timing advice—benefits rise monthly 22:50 David's details: city pension, deferred comp, house, no debt 24:07 Getting professional fiduciary advice before retiring 25:23 David's crypto confession and $3K Ripple gamble 27:27 Jail-bound investor asks where to park money 30:18 Don & Tom debate investing from behind bars (humor intact) 33:19 Columbus Day scheduling confusion & closing banter Learn more about your ad choices. Visit megaphone.fm/adchoices
Science now links alcohol to seven types of cancer, brain shrinkage, hormonal chaos, and accelerated aging. Even one drink per night can destroy gray and white matter, sabotage detoxification, and cost high achievers hundreds of thousands in lost productivity. In this episode, I speak with James Swanwick, founder of Alcohol Free Lifestyle, about how alcohol disrupts everything from liver function to sleep quality. He also shares real stories of clients who reversed health complications, saved marriages, and dramatically increased their income after going alcohol-free. We explore how alcohol affects entrepreneurs and executives, why it blocks fat metabolism and hormone regulation, and practical strategies to quit without willpower, AA, or feeling deprived. "Each drink that you choose to drink is costing you $684.93. That's a pretty damn expensive cocktail." ~ James Swanwick In This Episode: - James's background and journey to alcohol-free living - Health risks of alcohol - Debunking the "one glass of wine is healthy" myth - What alcohol does to your liver, hormone function, and sleep quality - How alcohol increases appetite, and blocks fat burning - The financial cost of drinking for high performers - Alcohol's effect on brain volume and cognitive function - Real client stories of health, clarity, and redemption - Strategies to stop drinking without feeling deprived - Spiritual clarity, intuition, and a deeper connection to self - Transition tactics and avoiding willpower traps Products & Resources Mentioned: Bon Charge Red Light Face Mask: Get 15% off at https://boncharge.com with code WENDY, plus free shipping and a 12-month warranty. Tru Energy Lip Peptide Treatment: Visit https://trytruenergy.com/wendy3 to claim your Buy One, Get One Free offer for a limited time. Qualia Senolytic: Get 15% off with code WENDY at https://qualialife.com/wendy Heavy Metals Quiz: Find out if heavy metals are impacting your energy, mood, and overall health at https://heavymetalsquiz.com About James Swanwick: James Swanwick is an Australian-American entrepreneur, author, and former ESPN SportsCenter anchor, best known for helping high achievers overcome alcohol addiction. He founded Alcohol Free Lifestyle, a program designed to help business owners and executives quit drinking without relying on AA, rehab, or willpower. Through programs like the 30 Day No Alcohol Challenge and Project 90, Swanwick has empowered thousands of individuals to make lasting transformations. He is also the CEO of Swanwick Sleep, a company specializing in blue light blocking glasses, and author of the book Clear: The Only Neuroscience-Based Method for High Achievers to Finally Break Free from Alcohol. After quitting drinking 15 years ago, James lost 13 pounds in 30 days, landed his ESPN job, and discovered a completely transformed approach to health, relationships, and business success. Learn more at: https://alcoholfreelifestyle.com Disclaimer The Myers Detox Podcast was created and hosted by Dr. Wendy Myers. This podcast is for information purposes only. Statements and views expressed on this podcast are not medical advice. This podcast, including Wendy Myers and the producers, disclaims responsibility for any possible adverse effects from using the information contained herein. The opinions of guests are their own, and this podcast does not endorse or accept responsibility for statements made by guests. This podcast does not make any representations or warranties about guests' qualifications or credibility. Individuals on this podcast may have a direct or indirect financial interest in products or services referred to herein. If you think you have a medical problem, consult a licensed physician.
Are you measuring your financial success by the wrong metric? In this episode, Tim Ulbrich, PharmD, dives into why income can be misleading and why net worth is the true measure of financial progress. This episode is brought to you by First Horizon. Episode Summary Are you measuring your financial success by income alone? In this episode, Tim Ulbrich shares the wake-up call that changed everything for him: despite earning a six-figure pharmacist salary, his net worth was negative $225,000. Tim dives into why income is a vanity metric and why tracking net worth is the key to true financial progress. He breaks down the difference between income and net worth, why net worth matters more, and four powerful reasons to make it a monthly habit. What you'll learn in this episode: The wake-up moment that shifted Tim's financial mindset Why income alone doesn't reflect real progress How tracking net worth builds momentum, clarity, and motivation Practical tips for measuring what truly matters Mentioned on the Show Your Financial Pharmacist Your Financial Pharmacist on YouTube The Millionaire Next Door by Tom Stanley Rich Dad Poor Dad by Robert Kiyosaki
Gold has been surging this year—but what's behind the rise, and what should investors keep in mind before buying in?Precious metals, such as gold and silver, have long fascinated investors, particularly in times of economic uncertainty. But are they wise investments for today? If so, how should we approach them? Mark Biller joins us today to talk about investing in precious metals.Mark Biller is Executive Editor and Senior Portfolio Manager at Sound Mind Investing, an underwriter of Faith & Finance. The Surge in Gold and SilverGold's remarkable rise has captured headlines again, now up over $4,000 an ounce—up from about $2,600 at the start of 2025. That's a 50% gain this year on top of last year's 26% surge. Silver has jumped even higher, up roughly 60%, while gold mining stocks have more than doubled.What's behind this stunning rally? Several key forces are at play. Global central banks have been buying gold aggressively, a trend that accelerated after the U.S. froze Russia's dollar reserves in 2022. This event shook confidence in the U.S. dollar as a neutral reserve currency. Add in fears of currency debasement stemming from massive government spending since the COVID pandemic, and gold suddenly looks like a safer store of value.As investors around the world look for stability, gold—the “4,000-year-old alternative currency”—is once again shining.To understand today's prices, it helps to look at history. Adjusted for inflation, gold recently surpassed its all-time high from January 1980. Silver, meanwhile, is nearing $50 an ounce—the peak it hit in both 1980 and 2011—but still lags behind those highs when adjusted for inflation.These cycles remind investors that precious metals often move in waves—soaring during manias, then enduring long pullbacks. After its 1980 peak, silver prices dropped nearly 90%; after 2011, they fell by about 70%. Understanding those cycles helps set realistic expectations and temper “gold rush” enthusiasm.Gold as a Store of ValueUnlike stocks or bonds, gold doesn't produce income or dividends. That makes it tricky to value—but also unique. It's not a productive asset; it's a preservative one.For centuries, an ounce of gold could buy a fine men's suit. The same holds true today, illustrating its enduring purchasing power. Gold's real role isn't to generate profit—it's to store value when currencies lose theirs.Viewed this way, gold functions as an alternative currency to the world's paper money systems. As inflation rises and confidence in traditional currencies wavers, gold's relative stability stands out.Gold's appeal intensifies during uncertainty. Whether it's inflation, war, or financial instability, investors turn to gold as a hedge. While Americans rarely consider regime changes, history is filled with nations where financial systems collapsed, and gold helped preserve wealth across transitions.Even in less dramatic times, when governments respond to crises by printing more money, gold tends to perform well. As fear increases, so does the appetite for precious metals.Gold, Silver, and Mining Stocks: Knowing the DifferenceEach part of the precious metals market serves a different role:Gold is the foundation—a global monetary metal and store of value. It's what central banks buy, and it tends to be more stable.Silver is both a monetary and an industrial metal. Its demand fluctuates more with the economy, primarily due to uses in electronics and solar panels. That makes it more volatile—but also more accessible to smaller investors.Mining Stocks are speculative. While they can surge when gold prices rise, they're also risky. Over the long term, mining stocks have underperformed, so investors should approach them with caution.How to Invest Wisely in Precious MetalsWe recommend a balanced approach: Physical gold and silver provide direct ownership and long-term stability. However, storage and security are concerns, so it's best to keep this allocation small—around 5% of your portfolio.ETFs (Exchange-Traded Funds) offer convenience and liquidity. They're ideal for active management and diversification.Combining both approaches provides flexibility and peace of mind—anchoring part of your wealth in tangible assets while keeping another portion readily accessible for use.As with any investment, precious metals should be approached with discipline and perspective. They're best viewed as part of a long-term diversification strategy—not a get-rich-quick play.To learn more about investing wisely in gold and silver, Sound Mind Investing has released a free special report for Faith & Finance listeners. Download your copy at SoundMindInvesting.org.On Today's Program, Rob Answers Listener Questions:I own a 100-year-old building where I live and also rent out a couple of units. It's well built but always needs work. Thankfully, I can handle many of the repairs myself, as I come from a family of electricians and real estate professionals. The issue is, I can't seem to deduct much of what I do on my taxes, even though I spend a lot of time maintaining the property. I also sometimes barter with family and friends, helping them with projects in exchange for their help. Is there a legal way for me to charge for some of my time or count this work toward deductions?I've got about $7,000 to $8,000 in credit card debt, and I'll be leaving my job soon. I have a 401(k) with a balance similar to mine, and I know that taking it out early means incurring taxes and penalties. Would it make sense to cash out my 401(k) to pay off my credit cards, or would you recommend an alternative approach?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Sound Mind Investing (SMI)Inflation History: The Rise and Fall of the U.S. Dollar (Free Report by Sound Mind Investing)Christian Credit CounselorsWisdom 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. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.
What to know about the Supreme Court case that could weaken the Voting Rights Act. CBS News executive director of elections and surveys Anthony Salvanto breaks down the Supreme Court case examining whether Louisiana's creation of a second majority-Black congressional district violates the Constitution. The decision could reshape how states draw voting maps and impact minority voter protections nationwide. This week the United States' six largest banks released their earnings and collectively they're up 19% from a year ago. However, at the same time, a new report reveals 69% of Americans say income is falling behind the cost of living, which is up from 50% five years ago. CBS News business analyst Jill Schlesinger explains. Kevin Federline is opening up about his life with ex-wife Britney Spears, including parenting with the singer, her 13-year conservatorship and mental health concerns as his new memoir is released. Meanwhile, Spears' team has fired back, accusing Federline of "profiting off her" with the book release.Emmy Award-winning actor Jeremy Allen White stars as Bruce Springsteen in Scott Cooper's new biopic "Springsteen: Deliver Me from Nowhere." White sits down with "CBS Mornings" co-host Gayle King to discuss portraying "The Boss," the making of Springsteen's 1982 album "Nebraska," and how the film breaks from the traditional music biopic formula. "The Road," CBS' new musical competition series, follows 12 emerging country artists competing for $250,000, a record deal, and a chance to perform at Stagecoach. Keith Urban and executive producer Blake Shelton talk with Entertainment Tonight's Cassie DiLaura about mentoring the next generation of country stars. The Right Reverend Mariann Edgar Budde, leader of Washington's Episcopal Diocese, joins "CBS Mornings" to discuss her book for young readers, "We Can Be Brave: How We Learn to Be Brave in Life's Decisive Moments," which draws inspiration from figures like Harry Potter and Martin Luther King Jr. To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices
Jennifer Chang breaks down the Enhanced Equity Income ETF (DIVP), which concentrates in high-dividend stocks along with covered calls. As markets take a hit on regional bank worries, she explains why investors might be interested in the fund. She also discusses the tech sector and how they think about investing in those names.======== 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
"Too little too late", that's what we're hearing from some farmers who've already ploughed up and planted fields that were being farmed for nature. They say this is because the government took too long to come up with an extension to their environmental funding. A House of Lords Committee says the Windsor Framework, the post-Brexit agreement between the UK and EU that's meant to simplify trade between Great Britain and Northern Ireland, is "overwhelmingly complex". Powys Council has just closed a consultation on plans for a new farm policy, which includes the possibility of selling some of its council owned farms. The Council says incomes are too low and maintenance costs too high on some of its farms, but local council farm tenants hope farming will remain a key part of council plans. Presented by Caz Graham and produced by Beatrice Fenton.
Simon Scriver's Amazingly Ultimate Fundraising Superstar Podcast
This podcast episode covers non-financial KPIs and other indicators to ensure a fundraiser is on the path to success, whilst pushing back against unrealistic targets and help us maximise our chances of raising philanthropic gifts in spite of the turbulence of raising money. Learn from speakers Kitty Hazell, Fundraising Consultant at MoneyTree Fundraising and Kevin Amponsah, Philanthropy Manager at The Children's Society. Key learnings from this session: To feel confidence and empowered when having discourse around financial targets and the impact on you and your team Click here to subscribe to our email list for exclusive fundraising resources, early access to training, special discounts and more If you enjoyed this episode, don't forget to hit follow and enable notifications so you'll get notified to be first to hear of future podcast episodes. We'd love to see you back again! And thank you to our friends at JustGiving who make the Fundraising Everywhere Podcast possible.
Earning more but still feel broke? That's not bad luck—it's lifestyle creep. In this episode, Pambansang Wealth Coach Chinkee Tan exposes why every raise seems to disappear, how “I deserve this” spending keeps you stuck, and what to do to finally grow your wealth instead of your expenses.Learn how to enjoy your success without sabotaging it. For any collaboration, brand partnership, and campaign run inquiries, e-mail us at info@thepodnetwork.com.#ChinkPositive #ChinkeeTan #MoneyMindset #LifestyleCreep #FinancialFreedom #WealthBuilding #BudgetingTips #SaveSmart Hosted on Acast. See acast.com/privacy for more information.
The Federal Reserve Bank of St. Louis gathers data from the region about the current state of the economy. Megan Lynch is joined by Senior Economist Charles Gascon on a regular basis for a look at the 'Beige Book'. He says there is a distinct difference between lower and middle income earners, who are looking for deals, and high income earners who are still spending, despite inflation.
How much money do you need to invest to retire with real estate? We did the math, and it's not as much as you'd think. In fact, in some markets, even with a small amount of disposable income, you could become financially free in just five years. We're asked about retiring with rentals so often that we're providing an in-depth answer in today's show. You asked, Dave and Henry are answering. Today, we're grabbing questions directly from the BiggerPockets Forums and shooting them straight at two of the most trusted real estate investors in the industry. One beginner wants to know how he can achieve financial independence in just five to ten years with rental properties. He has $3,000/month to invest, but will that be enough? Another rookie investor is considering the ultimate real estate portfolio to build: do you start with a single-family home and then move on to multifamily, or do something completely different? Dave and Henry both give a take that you might not expect. To end, we have a double debate: cash flow vs. appreciation (and which makes you richer) and existing vs. new-build rental properties (is a higher price worth fewer headaches?). Want to build wealth with real estate? Today's answers might surprise you. In This Episode We Cover How much do you need to invest to reach financial freedom with rentals? What are the best rental properties for beginners? How to find the perfect fit for your situation Why, if you want to build wealth, you need to stop caring so much about cash flow The low-headache rental property: are new construction rentals really worth the cost? Why Dave is upset he hasn't won the Pulitzer Prize yet And So Much More! Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/real-estate-1187 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
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You don't need to be debt-free to buy a home—this episode shows you how to work smarter with your debt, not fear it.In today's housing market, waiting to eliminate all your debt before buying a home might actually hurt your long-term financial stability. In this must-listen episode of the How to Buy a Home podcast, we tackle the misunderstood middle child of the Big Three—debt—and explain why managing it strategically can often lead to faster, more affordable homeownership. David Sidoni breaks down the difference between good, bad, and workable debt, clears up damaging debt myths, and shares real success stories of buyers who used modern tactics to qualify for a home loan despite carrying credit cards, car payments, and even $300,000 in student loans.Whether you've followed traditional advice (like Dave Ramsey's) or are just starting your journey, this episode gives you up-to-date guidance for navigating debt in 2025 and beyond. Learn how to balance budgeting, reduce stress, and take smart steps toward buying—even with debt still on the books.“You don't have to be debt free. You don't even have to be nearly debt free to buy a home. That's a fact.”Highlights:Why the “debt-free before buying” rule is outdatedThe three types of debt: good, bad, and workableHow your monthly debt matters more than your total debtSuccess stories: Buying a home with credit in the toilet, medical debt, or $300K in student loansWhy DTI (Debt-to-Income ratio) matters—and how to work with itTips for using budgeting apps, simulators, and custom plans to balance saving and debt reductionWhat to do with a windfall: Should you save it or pay off debt?The truth about student loans, consolidation, and PMIHow working with the right team unlocks real optionsReferenced Episodes:167 – Christina & Sean: First in Their Family to Buy a Home187 – Dr. Kendall: Psychologist Turned First-Time Buyer186 – John & Richard: Buying With $300K in Student Loans388 – The Playbook VOL. 1 – The Rent Replacement Strategy389 – The Playbook VOL. 2: Your Last Lease Ever394 – The American Dream Is Dead371 – The Best Budgeting Apps for Homebuyers198 – PMI Is a Privilege216 – PMI Is Still a Privilege And Still Not The DevilOFFICIAL 2025 EPISODE GUIDEConnect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit!David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!
In this episode of the Smart Real Estate Coach Podcast, Chris is joined by Lauren Keen Aumond, a Florida-based real estate investor, podcast host, and personal finance educator who left her corporate sales job at age 33 thanks to her strategic investing. Lauren walks us through her journey from personal finance nerd to full-time investor, how she built her rental portfolio, and the importance of taking action before you're desperate to leave your job. She and her husband now manage a combination of short-term and long-term rentals, operate with financial freedom, and navigate the unique challenges of the Florida market—including tricky insurance issues and tenant laws. You'll also hear Lauren's best advice for escaping the 9-to-5 grind, how she and her husband split responsibilities in both life and business, and the behind-the-scenes evolution of her podcast Adulting Is Easy. This episode is a masterclass in intentional living, taking action, and building a life on your own terms. Key Talking Points of the Episode 00:00 Introduction and welcome 01:05 Meet Lauren Keen Aumond: real estate investor and content creator 01:52 Leaving her corporate job at 33—how she built her foundation early 02:40 Why you shouldn't wait until you hate your job to start investing 04:00 How Lauren bought her first house at 22 working at Toys “R” Us 06:10 House hacking and her first experience as a landlord 07:20 The role her dad played in keeping her first property as a rental 07:50 Meeting her husband and scaling their portfolio together 08:20 Why they moved from long-term to short-term rentals 08:53 Their current portfolio: apartment buildings, duplexes, ADUs 09:30 How her husband selling his engineering firm accelerated their progress 10:00 Advice for those stuck in a corporate job: “Don't give your best to someone else” 10:45 Set a goal, have a plan, and stick to it 11:50 The belief factor: “You already take more action than most” 12:50 The importance of setting a hard date for quitting 13:19 Details on the Wicked Smart Apprentice Program 15:00 Real examples of students who made the leap from corporate 15:50 How tenant laws led Lauren to shift toward short-term rentals 16:30 Florida's murky tenant laws and eviction moratoriums during COVID 17:58 Why short-term rentals offer more control over property access 18:32 Managing real estate with your spouse: the good, the bad, and the boundaries 20:10 How Lauren and her husband split responsibilities—and why they had to redefine their roles 21:49 The challenges of being romantic and business partners 22:32 Florida market analysis: insurance costs, flood zones, and climate concerns 24:00 What properties are likely to appreciate—and which won't 25:19 Lauren's podcast Adulting Is Easy—teaching finance through storytelling 26:12 Her #1 takeaway from hundreds of podcast interviews 26:41 Avoiding “self-help porn”: why action matters more than knowledge 27:27 Tying your action to a strong “why” 28:55 Lauren's why: freedom from alarms, business trips, and limitations 29:46 Final thoughts and how to connect with Lauren Quotables “Don't wait until you hate your job to build your exit plan. Start while you're still happy.” “Why would you give the best of yourself to someone else, day after day, instead of to your own dream?” “Have a goal—and when you hit it, do the thing. Leave the job.” “Action is what makes you an investor. Not podcasts. Not books. Action.” “The confidence boost from taking action will make the rest of life easier. Everything changes.” Links QLS 4.0 - Use coupon code for 50% off https://smartrealestatecoach.com/qls Coupon code: podApprentice Program https://3paydaysapprentice.com Coupon code: PodcastMasterclass https://smartrealestatecoach.com/masterspodcast Wicked Smart Books https://wickedsmartbooks.com/podcast Strategy Session https://smartrealestatecoach.com/actionpodcast Partners https://smartrealestatecoach.com/podcastresources
Could a reverse mortgage be a widow's best friend?Since women typically outlive men, many will one day carry the financial load alone. Today, Harlan Accola joins us to explain how reverse mortgages have changed and why they can offer widows stability, dignity, and confidence for the years ahead.Harlan Accola is the National Reverse Mortgage Director at Movement Mortgage, an underwriter of Faith and Finance. He is also the author of Home Equity and Reverse Mortgages: The Cinderella of the Baby Boomer Retirement.The Longevity ChallengeMany people still carry outdated assumptions about reverse mortgages. Some believe they're risky or predatory—especially for widows. However, over the years, these products have undergone significant evolution, incorporating new safeguards that make them a secure and compassionate option for many older adults, particularly surviving spouses.Women tend to outlive their husbands, often by several years. That creates what financial professionals call longevity risk—the challenge of stretching resources over a longer life. Couples frequently plan their finances assuming they'll live out retirement together, but the reality is that many widows face 2–10 years of life on their own, often with reduced income.For many, a reverse mortgage can bridge that gap. By allowing homeowners age 62 and older to access the equity in their homes without monthly payments, it provides a steady income—especially for those who want to remain in their homes.The reputation of reverse mortgages has improved dramatically since the early days. When the FHA introduced the program in 1988, some borrowers made unwise choices—like removing their spouse from the home title—which left surviving spouses vulnerable.Thankfully, that changed in 2013. Federal law now requires that both spouses be listed on the loan and protected by it. This safeguard ensures that a widow can remain in her home for as long as she wishes, without fear of foreclosure or forced sale.Dignity and Security for the Years AheadWhen a husband passes, household income often drops by around 40%. If a traditional mortgage payment remains, that financial burden can force a widow to sell her home. A reverse mortgage eliminates that risk by converting home equity into income—allowing her to stay in the place she loves, surrounded by memories, with dignity and financial stability.For widows, that security is invaluable. It turns a house into a lasting home, ensuring that the twilight years can be lived not in fear, but in peace.To learn more about whether a reverse mortgage could benefit your situation, visit Movement.com/Faith.On Today's Program, Rob Answers Listener Questions:I'm trying to find information about a Christian savings and loan, but I haven't been able to get the contact details. Can you point me in the right direction?I don't feel like I have enough savings to handle a real emergency. I'm working both full-time and part-time jobs just to keep up with bills, plus I'm trying to pay off student loans and credit cards. I feel stretched thin and don't know what to do next.I called before about my advisor and wanted to give you an update. Now I have a question: I have a 401(k), a traditional IRA, and a Roth IRA—each with about $100,000. When I retire, do I need to withdraw from one before the others, or is there a better strategy for taking distributions?I recently changed jobs and left my 401(k) with my former employer, which is now closing its doors. Should I roll that money into my new job's plan or transfer it elsewhere? I'm not very familiar with managing investments myself.I currently have a moderate growth account with a steady income, but I'm considering withdrawing the funds. Would CDs be a safe place to move that money, or do you have other suggestions?I need help finding affordable health insurance on a limited income. I have some past health issues, and I'm worried about being penalized. Where should I start looking?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Movement MortgageChristian Community Credit Union (CCCU)HealthMarkets | Healthcare.gov | eHealth | HealthSherpaWisdom 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. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.
Episode #177: Join me, Kimberly Lovi, on an insightful journey as we explore the path to financial empowerment and personal growth in this episode of "In Studio." We'll begin by discussing the critical steps needed to expand your business and income. You'll discover the power of setting clear, specific financial goals rather than settling for vague desires. Together, we'll work backwards to assess where you currently stand and map out the steps needed to reach your desired financial future. By breaking down expenses and creating a concrete plan, we'll guide you towards achieving financial security. Next, we'll tackle the transformative shift from a scarcity mindset to one of abundance. It's essential to recognize money as a form of energy that fuels your ambitions and impacts the world around you. We'll talk about the importance of investing in your business and involving others in your vision to drive success. Letting go of limiting beliefs about money is key, and you'll learn how collaboration and financial investment in capable hands can elevate your endeavors. Finally, we'll highlight the significance of investing in personal growth and development. Drawing from my experiences with courses like Amy Porterfield's Digital Course Academy and a Harvard course on data science principles, I'll share how acquiring new skills can propel both your business and personal goals. We'll also emphasize the importance of setting ambitious goals, surrounding yourself with proactive individuals, and avoiding negativity. Plus, for those struggling with mindset barriers, I'll introduce my mindset course to help you gain clarity and overcome obstacles. As we wrap up, we'll reflect on the importance of accountability and invite you to connect and share your progress. Thank you for joining us, and we hope you leave inspired to take action toward your success. Chapters: (00:00) Empowerment Through Action (09:48) Overcoming Scarcity Mindset for Success" (24:46) Investing in Personal Growth and Development (35:41) Taking Action for Success Follow Kimberly on Instagram and TikTok @kimberlylovi or @iconicnationmedia WATCH us on YouTube and view our brand new studio!
How strong is your dividend growth portfolio? Send it to us for a free evaluation at dcm.team@growmydollar.com. Plus, join our market newsletter for more on dividend growth investing.________Wall Street's creativity knows no bounds, especially when it comes to selling safety or income. In this episode, Greg revisits Warren Buffett's timeless wisdom to uncover who's “swimming naked” in today's market. Drawing on Rob Arnott and Edward McQuarrie's recent CFA research on risk and investor psychology, he explains how both fear of loss and fear of missing out drive market behavior far more than models admit. Greg dissects several headline-grabbing products, from “high income” S&P 500 ETFs and 77% yielding Nvidia options funds to the Dual Directional Buffer ETF and the “Magnificent Seven Snowball,” revealing how they offer the illusion of safety or income while eroding long-term returns. He closes with a Buffett-style case study on Occidental Petroleum and Berkshire Hathaway's recent deal, underscoring the power of simple, steady cash flow over engineered complexity.As Leonardo da Vinci said, “Simplicity is the ultimate sophistication,” and it is also one of the surest ways to compound wealth. Topics Covered[00:00:41] – Who's swimming naked? The illusion of risk-free returns [00:02:31] – Understanding risk and fear in markets: Rob Arnott's research [00:06:22] – How fear of loss and FOMO distort risk premiums [00:09:19] – The rise of high-income ETFs: chasing yield in disguise [00:12:32] – The Nvidia ($NVDA) income strategy ETF: 77% yield, but at what cost? [00:16:09] – Dual Directional Buffer ETF: the illusion of protection [00:21:14] – The “Mag 7 Snowball” structured note: Wall Street's creative packaging [00:25:47] – Why these structures guarantee Wall Street wins [00:26:45] – Buffett, Occidental ($OXY), and the value of consistent cash flow [00:32:20] – Simplicity, cash flow, and the sophistication of staying patient For more on dividend growth investing or to request a free portfolio review, email dcm.team@growmydollar.com. Past performance does not guarantee future results. This episode is for educational purposes only and is not investment advice.Send us a textDisclaimer: This discussion is for educational purposes only and not investment advice. If you enjoy the show, we'd greatly appreciate it if you subscribe and leave a review RESOURCES: Schedule a meeting with us -> Financial Planning & Portfolio Management Getting into the weeds -> DCM Investment Reports & Models Visit our website to learn more about our investment strategy and wealth management services. Follow us on:Instagram | Facebook | LinkedIn | X
In this episode of Lead-Lag Live, I sit down with Si Katara, Founder and CEO of Tap Alpha, to explore how zero-day options are reshaping income investing for everyday investors.From engineering background to ETF innovation, Katara shares how Tap Alpha's TSPY ETF delivers daily option overlays on the S&P 500 — capturing upside while generating consistent, tax-efficient income in any market environment.In this episode:– Why traditional income products no longer work for investors today– How zero-day options can mitigate risk and boost returns– The math behind daily vs. monthly covered call strategies– Why ETFs solve tax inefficiencies in options-based income– How Tap Alpha is bridging Wall Street strategies for Main Street investorsLead-Lag Live brings you inside conversations with the financial thinkers who shape markets. Subscribe for interviews that go deeper than the noise.#LeadLagLive #TapAlpha #ETFs #OptionsInvesting #ZeroDTE #MarketsStart your adventure with TableTalk Friday: A D&D Podcast at the link below or wherever you get your podcasts!Youtube: https://youtube.com/playlist?list=PLgB6B-mAeWlPM9KzGJ2O4cU0-m5lO0lkr&si=W_-jLsiREjyAIgEsSpotify: https://open.spotify.com/show/75YJ921WGQqUtwxRT71UQB?si=4R6kaAYOTtO2V Support the show
In this episode of Lead-Lag Live, I sit down with Jay Hatfield, CEO of Infrastructure Capital Advisors, to cut through the noise on the Fed, energy markets, and how investors can prepare for the next phase of the cycle.From the AI-driven power boom to small-cap rotation and bond opportunities, Jay shares why the Fed's reliance on lagging data could be investors' biggest advantage — and where long-term value is hiding in plain sight.In this episode:– Why the AI build-out could make natural gas the next big winner– How money supply leads inflation, interest rates, and Fed policy– The “Hatfield Rule” for predicting recessions through housing data– Where small-cap and income investors should be allocating now– Why rotation away from mega-cap tech is already starting to unfoldLead-Lag Live brings you inside conversations with the financial thinkers who shape markets. Subscribe for interviews that go deeper than the noise.#LeadLagLive #InfrastructureCapital #Fed #InterestRates #NaturalGas #Energy #Markets #InvestingStart your adventure with TableTalk Friday: A D&D Podcast at the link below or wherever you get your podcasts!Youtube: https://youtube.com/playlist?list=PLgB6B-mAeWlPM9KzGJ2O4cU0-m5lO0lkr&si=W_-jLsiREjyAIgEsSpotify: https://open.spotify.com/show/75YJ921WGQqUtwxRT71UQB?si=4R6kaAYOTtO2V Support the show
In this episode, Scott Becker reflects on a viral tweet about financial discipline.
Kevin and Kieran discuss the cost for Sky Sports of broadcasting Carabao Cup games, and look at Premier League income per fan vs the NBA and the NFL. Follow Kevin on X - @kevinhunterday Follow Kieran on X - @KieranMaguire Follow The Price of Football on X - @pof_pod Send in a question: questions@priceoffootball.com Join The Price of Football CLUB: https://priceoffootball.supportingcast.fm/ Check out the Price of Football merchandise store: https://the-price-of-football.backstreetmerch.com/ Visit the website: https://priceoffootball.com/ For sponsorship email - info@adelicious.fm The Price of Football is a Dap Dip production: https://dapdip.co.uk/ contact@dapdip.co.uk Learn more about your ad choices. Visit podcastchoices.com/adchoices
#291 This episode begins with a brief tribute to our friends at Perform Better, following the heartbreaking loss of team member Rob Milani. Rob embodied warmth, generosity, and family-first values — a reminder of what truly matters. From there, Billy shares three eye-opening statistics every gym owner should know. These numbers aren't meant to discourage. They're meant to wake us up to the power of better financial habits and a stronger plan. In this episode: The shocking percentage of gym owners who can't handle a $1,000 emergency Why income doesn't always equal wealth and what to do about it The real reason 80% of gyms don't make it through the first year Three simple actions to break free from these statistics and start winning financially Key takeaway: Money isn't the goal. I's the tool that helps you build a business and life that serve what matters most.
When someone asks whether a certain degree is “worth it,” there's finally some data to answer that. We analyzed debt-to-income ratios across dozens of professions from our survey of over 8,000 high-income professionals, and the results tell a pretty clear story about who's managing student debt well — and who's getting squeezed. I'll also share a few thoughts on what these numbers mean in real life, like how income, housing costs, and lifestyle choices play into long-term financial outcomes. Key moments: (01:56) Professions with the lowest debt-to-income ratios and why practicality beats prestige (05:37) The hidden stress gap between generalists and specialists in healthcare and dentistry (09:05) Why certain degree programs may be setting students up to fail financially (13:06) Who's building the most wealth relative to income (14:47) Spending patterns that separate comfortable from stressed-out professionals Like the show? There are several ways you can help! Follow on Apple Podcasts, Spotify or Amazon Music Leave an honest review on Apple Podcasts Subscribe to the newsletter Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!
Wow! It's been a full year since I started this podcast. It doesn't feel like that long at all. I've had a blast interviewing some amazing people here. For this anniversary, I thought I'd go over some of my Streams of Income for you. Things mentioned in the show: Filming locations I rent out on my farm- https://youtu.be/QI7SZ2hZCt4 Learn how to do UGC videos- https://drdavea6500c.clickfunnels.com/optin1707225795607 Streams of Income- https://drdavea6500c.clickfunnels.com/optin1744315511374 Message me at drdave@redteamgoals.com for info on any others I mentioned. --- Click here to change your life- http://eepurl.com/gy5T3T Hit me up for a one-on-one brainstorming session- https://militaryimagesproject.com/products/brainstorming-session-1-hour Check out my Linktree for different ways to rock your world! https://linktr.ee/ruggeddad Check out the sweet Hyper X mic I'm using. https://amzn.to/41AF4px Check out my best-selling books: Rapid Skill Development 101- https://amzn.to/3J0oDJ0 Streams of Income with Ryan Reger- https://amzn.to/3SDhDHg Strangest Secret Challenge- https://amzn.to/3xiJmVO This page contains affiliate links. This means that if you click a link and buy one of the products on this page, I may receive a commission (at no extra cost to you!) This doesn't affect our opinions or our reviews. Everything we do is to benefit you as the reader, so all of our reviews are as honest and unbiased as possible. #passiveincome #sidehustle #cryptocurrency #richlife
In this episode of the Secrets to Abundant Living Podcast, hosted by Amy Sylvis, learn the essential five-step roadmap to generating hands-off income. Amy shares her personal journey of living with cystic fibrosis and the freedom that passive income affords her. Delve into how to clarify your 'why' and end goal, audit your current assets, choose a suitable strategy, educate yourself, and take actionable steps towards achieving your financial goals. This episode also highlights Amy's recent experiences and emphasizes the importance of patient expertise in managing her health condition. Tune in for inspiring insights and practical advice on leading a life rich in experiences, purpose, and joy.Connect with Amy Sylvis:https://www.linkedin.com/in/amysylvis/Contact Us:https://www.sylviscapital.comhttps://www.sylviscapital.com/webinar00:00 Intro03:09 Personal Story: Living with Cystic Fibrosis06:13 The Five-Step Roadmap to Hands-Off Income06:43 Step 1: Clarify Your Why and End Goal07:33 Step 2: Audit Your Current Assets08:32 Step 3: Choose a Strategy10:54 Step 4: Educate Yourself12:01 Step 5: Take Action14:09 Conclusion and Final Thoughts
In this episode of The Daily Mastermind, host George Wright III emphasizes the critical importance of personal growth for business success. He explains that a business will not surpass the limitations of its leader's identity. George shares insights from his career and introduces practical frameworks to upgrade one's identity. He highlights three common identity traps: the operator trap, the imposter trap, and the survival trap. He advises awareness of self-limiting identities, alignment with a next-level identity, and actionable steps to embody that identity. George encourages upgrading language, surrounding oneself with positive influences, and dedicating time to cultivate a growth-oriented identity.01:09 Personal Journey and Lessons Learned02:57 The Importance of Identity in Business05:22 Common Identity Traps for Entrepreneurs07:36 Steps to Upgrade Your Identity09:45 Practical Tips for Identity Growth11:11 Final Thoughts and EncouragementYou have GREATNESS inside you. I BELIEVE in You. Let's Make Today the Day You Unleash Your Potential!George Wright IIICEO, The Daily Mastermind | Evolution X_________________________________________________________P.S. Whenever you're ready, here are ways I can help you…Get to know me:1. Subscribe to The Daily Mastermind Podcast- daily inspiration, motivation, education2. Follow me on social media Facebook | Instagram | Linkedin | TikTok | Youtube3. Get the Prosperity Pillars Poster I Developed over 20 years from my Mentors.Work with me:My mission is to help you Master Your Mind, Money, & Business, and I firmly believe:It's Never Too Late to Create the Life You Were Meant to Live…a LIFESTYLE of Health, Wealth, and Happiness. Here are ways I've been able to help thousands of people over the past 20 years…
Unlock "The Secret to Mastering Sales Success" with expert insights in this engaging conversation featuring sales master Wes, also known as "The Sales Whisperer." On this episode of the Command Your Brand Show, host Josh Silvestro dives into the strategies and mindset behind becoming an exceptional salesperson and achieving business growth. Wes shares his journey from the Air Force to building a thriving career in sales, offering practical advice on discipline, listening skills, and why mastering the fundamentals is key to long-term success.Discover why sales is one of the most lucrative professions, how to overcome common sales challenges, and the tools you need to streamline your process. Whether you're a CEO, founder, or aspiring entrepreneur, this episode is packed with actionable takeaways to elevate your sales game. Learn about the importance of self-improvement, adapting to change, and using tools like CRMs to optimize your workflow.Ready to take your sales skills to the next level? Visit 12weekstopeak.com for free resources, including a habit tracker and exclusive access to Wes's 12-week accountability program. Don't forget to like, subscribe, and share this episode to help others unlock their potential in sales success. Let's build your brand and achieve your goals—one sale at a time!#businessgrowth #closingdeals #salesmentorship #masteringsales #salestechniquesCHAPTERS:00:00 - Introducing Wes Schaeffer02:09 - Passion for Sales05:02 - Traits of a Good Salesman07:29 - Influential Books for Wes11:26 - Meeting Prospects Effectively16:23 - Jiu-Jitsu's Impact on Business18:00 - Importance of Details in Sales24:13 - Choosing the Right CRM26:55 - Contacting Josh30:40 - 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
[REBROADCAST from Sept. 11, 2025] When you're in a close relationship with someone, navigating income disparities can be tricky. Author and financial educator Farnoosh Torabi joins us to discuss how to start the conversation and figure out what makes sense -- and how to come up with a plan.*This segment is guest-hosted by David Furst.
I am SO pumped to share this episode with you because it's proof that the strategies I teach actually work in the real world.My student Stephanie Kase just pulled back the curtain on how she made $20,013 during Black Friday 2024 using my Black Friday in a Box strategy. And she documented EVERYTHING.We're talking about a woman who doubled her previous year's Black Friday results without massive audience growth. She went from making her typical $4-6K flash sales to hitting a goal that honestly seemed ambitious when she set it.What I love most about Stephanie's approach is that she didn't just follow my strategy blindly - she adapted it, tested it, and made it work for her business. She ran five days of deals, used strategic upsells, and even threw in some warm audience Facebook ads that generated a 13.4x return on ad spend.This isn't just about the numbers though. Stephanie breaks down exactly what worked, what didn't, and what she's changing for next year. She's sharing the behind-the-scenes reality of running a successful Black Friday campaign, including the 500 people who unsubscribed (and why she's totally fine with that).Grab Black Friday in a Box while it's on SALE: https://gemmabonhamcarter.com/black-fridayWhat you'll learn:The exact 5-day deal structure that generated over $20K in salesHow strategic upsells and order bumps added $4,100 to her revenueWhy running ads to warm audiences only resulted in 13.4x return on ad spendThe specific email timing strategy that worked (and what didn't)Her biggest mistakes and what she's doing differently in 2025The email subject lines that got the highest open rates during Black Friday weekHow she prepared her audience weeks in advance with a Black Friday catalogThe backend technical issues you need to avoid when running daily dealsResources Mentioned in this Episode:Black Friday in a Box: https://gemmabonhamcarter.com/black-fridayStephanie's breakdown and free Black Friday debrief document here: https://www.youtube.com/watch?v=OgJSgXeShB4Your Next Steps:Work with Me: https://www.gemmabonhamcarter.com/programsWhat I Use to Run My 7-Figure Business: https://gemmabonhamcarter.com/toolsConnect on Social: https://www.instagram.com/gemma.bonhamcarter Support the show
Seven years in business… and still growing stronger. Today, I'm sharing the three reasons my business continues to create both impact and income—year after year. This isn't about hustle or luck. It's about building something that lasts. You'll learn the mindset, habits, and systems that have kept my business alive and thriving through every season—so you can do the same. If you've ever wondered how to grow without burning out, this episode will show you what it really takes to build with longevity, purpose, and peace. xoxo, Chelsi Jo . . . . Ready to build the same systems that keep my business running with consistency and ease? Watch my FREE Workflow Workshop → chelsijo.co/workflowworkshop You'll see how I organize every workflow inside my business so nothing falls through the cracks—and how you can do the same. . . Want to grow your business without sacrificing your family? Join my 12-month group coaching program Systemize to Scale → chelsijo.co/systemizetoscale You'll learn how to systemize your home and business so you can scale with structure, not stress.
Ever thought about turning your video game obsession into actual income? Gloria Riley from YellowLlamaCo.com creates and sells custom digital planners and templates for fans of The Sims computer game. She's built a full-time income by helping "serious simmers" organize their gameplay, track their virtual families, and stay connected to their digital worlds. Tune in to Episode 701 of the Side Hustle Show to learn: how to turn a personal hobby into a profitable niche business how TikTok and YouTube can drive viral growth and consistent sales strategies for creating, pricing, and marketing digital products for a passionate community Full Show Notes: Zero Followers to Full-Time Video Game Income: How I Built an Online Business for Sims Superfans New to the Show? Get your personalized money-making playlist here! Sponsors: Mint Mobile — Cut your wireless bill to $15 a month! Indeed – Start hiring NOW with a $75 sponsored job credit to upgrade your job post! Quo (formerly OpenPhone) — Get 20% off of your first 6 months! Shopify — Sign up for a $1 per month trial! Policygenius — Compare free life insurance quotes from top companies and see how much you could save. About The Side Hustle Show This is the entrepreneurship podcast you can actually apply! The award-winning small business show covers the best side hustles and side hustle ideas. We share how to start a business and make money online and offline, including online business, side gigs, freelancing, marketing, sales funnels, investing, and much more. Join 100,000+ listeners and get legit business ideas and passive income strategies straight to your earbuds. No BS, just actionable tips on how to start and grow your side hustle. Hosted by Nick Loper of Side Hustle Nation.
One of the biggest misconceptions in business is believing that more automatically means more money. More offers, more funnels, more launches, more repurposing—surely that will lead to more income, right? Wrong. In reality, overcomplicating your business often keeps you stuck, scattered, and inconsistent. In this special training, I'm breaking down why simplicity is the key to building a business that actually scales. You'll learn how to avoid the trap of endless offers, streamline what you're doing, and focus on the things that bring real results. The truth is, you don't need hundreds of offers or constant launches to make consistent income. If you've been feeling overwhelmed and overextended, this episode will show you why simplicity sells and scales—and how to structure your business so you can finally see consistent growth and freedom. I pray this blesses you! Ready to Make Consistent Income From a Podcast? Join my 5-Day Profitable Podcast Bootcamp! I'll show you how to create a podcast that makes steady income on autopilot—without relying on social media.