Podcasts about Income

Worry may feel normal, but it's quietly draining your energy, confidence, and results. In this episode, Lori and I dive into why worry isn't just a habit, it's a signal. A signal that you're operating from fear instead of faith, lack instead of certainty. We talk about how worrying steals time you could be using to create solutions, how it impacts your energy in business and relationships, and why most of the things you stress about never actually happen. We also share exercises to interrupt worry in real time, including how to "play the movie to the end" and how to borrow certainty from people who've already walked the path ahead of you. Get ready to stop feeding worry and start leading your life and business with intention.   HIGHLIGHTS Why worry is a sign of misplaced faith. The surprising amount of time worry steals from your life. A 10 minute exercise that exposes how unnecessary most worries are. How worry creates a lack of energy and leads to bad business decisions. The "play the movie to the end" method to dissolve fear.   RESOURCES Apply for the Elite Entrepreneur Mastermind HERE! Join the most supportive mastermind on the internet - the Mentor Collective Mastermind! Make More Sales in the next 90 days - GET THE BLUEPRINT HERE! Check out upcoming events + Masterminds: chrisharder.me Text DAILY to 310-421-0416 to get daily Money Mantras to boost your day.   FOLLOW Chris: @chriswharder Lori: @loriharder Frello: @frello_app

#260: Chris distills the most powerful lessons from over 50 episodes in 2025 into 10 actionable takeaways that changed how he thinks about money, time, health, relationships, purpose, and more. Link to Full Show Notes: https://chrishutchins.com/top-takeaways-2025-optimize-money-travel-life Partner Deals Gusto: Free 3-month trial of the #1 payroll software Notion: Try Notion Agent free to automate tedious tasks and streamline your work Superhuman: Free month of the fastest and best email with code ALLTHEHACKS DeleteMe: 20% off removing your personal info from the web Bilt Rewards: Earn the most valuable points when you pay rent For all the deals, discounts and promo codes from our partners, go to: chrishutchins.com/deals Resources Mentioned The 5 Types of Wealth: A Transformative Guide to Design Your Dream Life The Wealth Ladder: Proven Strategies for Every Step of Your Financial Life Die With Zero: Getting All You Can from Your Money and Your Life ATH Podcast Ep #91: Die With Zero: Net Fulfillment Over Net Worth with Bill Perkins Ep #213: The 5 Types of Wealth with Sahil Bloom Ep #215: Medical Travel: Better Care and Lower Costs for Surgery, IVF, Dental, Advanced Screenings and More with Josef Woodman Ep #217: Top AI Tools, Insurance Planning for Fires and More Listener Q&A with Kevin Rose Ep #230: The Wealth Ladder: Proven Strategies for Every Step of Your Financial Life with Nick Maggiulli Ep #233: Money: What Each Generation Gets Right (& Wrong) with Ben Carlson Ep #239: Mini Retirements: How to Take a Break Sooner That Could Also Boost Your Career and Income with Jillian Johnsrud Ep #248: How to Stop Over-Optimizing and Focus on What Matters with Tim Ferriss Ep #249: Earn More Points in Multiplayer Mode with Kai Ep #251: How to Focus on What Matters and Let Go of the Rest with Ryan Holiday Ep #252: Family Travel on Points: Tips, Tricks and Tactics with Nick Reyes Ep #254: The Cost of Always Optimizing with Chris and Amy Ep #256: The Easy Way to Build and Maintain Meaningful Relationships with Nick Gray Ep #259: Choosing the Problems Worth Struggling For with Mark Manson Leave a review: Apple Podcasts | Spotify Email for questions, hacks, deals, and feedback: podcast@chrishutchins.com Full Show Notes (00:00) Introduction (01:24) #1: True Wealth Is Multidimensional (03:13) #2: Focus on What Moves the Needle (10:24) #3: Build a Portfolio That Can Weather Any Storm (13:40) #4: Scale Horizontally, Not Vertically (17:04) #5: Stop Waiting for the Perfect Time (22:38) #6: Scale Yourself With Technology (25:36) #7: You Need to Be the CEO of Your Own Health (29:54) #8: Prioritize Friendship Like You Prioritize Your Health (33:25) #9: Your Purpose Is Already Here, You're Just Too Close to See It (36:13) #10: The Ultimate Optimization Is Knowing When to Stop (38:44) Bonus: Optimize for What Matters 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

Today's guest, Robbie Samuels, is an award-winning author of four books that have collectively received over 900 Amazon reviews and reached #1 Best Seller in 30 categories.   As a book launch strategist, he coaches entrepreneurs to build launch teams that generate referrals, grow their pipeline, and get 50+ Amazon reviews. He also designs and emcees virtual book launch parties that lead prospects to an offer.   He founded the Biz Book Pub Hub, a community with dozens of experts ready to help entrepreneurs navigate writing, editing, publishing, and marketing their business books. He hosts the Biz Book Pub Hub Podcast and free virtual networking events for writers, authors, and speakers.   In this episode, we'll explore:   Why authors don't need to chase vanity metrics like Amazon #1 Bestseller status Understanding the difference between your publication date and your launch date The reason verified reviews matter, and how to calculate the right launch team size to get them How to use your book to build relationships that lead to speaking engagements, coaching clients, and collaborations Robbie's current favorites: Book: The Tipping Point, Speaker: Dorie Clark, and Podcast: Biz Book Pub Hub   More from Robbie Samuels Robbie's free gift for our listeners: booklaunchbrainstorm.com  Website: https://robbiesamuels.com/  Facebook: http://www.facebook.com/robbiesamuels  LinkedIn: http://www.linkedin.com/in/robbiesamuels  Instagram: http://www.instagram.com/robbiesamuels    More from Tricia  Turn Your Expertise Into Influence, Income, and a Speaking Legacy during The Art of The Big Talk, my LIVE Two-Day Virtual Masterclass Join me LIVE for my Free Monthly Workshop Explore my content and follow me on YouTube Follow me on Instagram  Connect with me on Facebook  Connect with me on LinkedIn  Visit my website at TriciaBrouk.com

Standard measures of intergenerational mobility treat parental income as a single average across childhood. In this episode, Steven Durlauf, Frank P. Hixon Distinguished Service Professor at the Harris School of Public Policy and Director of the Stone Center for Research on Wealth Inequality and Mobility, describes how parental income during the tween and adolescent years (ages 12-18) is far more predictive of adult outcomes than parental income during early childhood.

Donald Miller (New York Times bestselling author, Building a StoryBrand / Business Made Simple) breaks down the biggest reason customers ignore your marketing: you haven't clearly defined the problem you solve.In this interview, Donald explains why “looking successful” isn't the same as being successful, how to craft a marketing message that gets attention, and the simple positioning shift that increases sales without changing your product.If you're a CEO, founder, author, or expert building authority, this episode will help you clarify your message and create demand.

An 88-year-old forced to work after losing his pension highlights the urgent need for a real retirement income plan. In this episode, Jim Fox shares why relying on luck or outdated strategies isn’t enough—and how a written, personalized plan can help you avoid financial heartbreak. Learn how to balance annuities, CDs, dividend accounts, and market investments to create reliable income, address healthcare costs, and safe guard your family’s future. Discover why honest advice and clear options matter more than sales pitches, and why taking action now can change your retirement story. Ready to connect with Jim today? Get some Financial Straight Talk! Follow us on social media: YouTube | FacebookSee omnystudio.com/listener for privacy information.

Send us a text message if you have a question you want answered on the podcast.Less stress. More income. And yes, it's possible!In this episode of the podcast, we're talking with a pro, Laura Jennings. Not only is she a virtual assistant, she has her own virtual assistants AND teaches women how easy it is to become virtual assistants themselves.We talk about how becoming a work-from-home virtual assistant can give you flexibility, financial stability, and breathing room for your mental health, as well as a great paycheck.If you're overwhelmed, burned out, or craving a way to work without losing yourself, this episode walks you through:What virtual assistants actually doWho this career is best forHow to get started without overwhelmWhy this path supports mental health and family lifeIf you're looking for a work-from-home job, want some extra income, are thinking about a job change, etc., this episode is for you!

Ready to set your fee? You choose the dream, we'll do the math.

Happy New Year! Ready to start 2026 with clarity and confidence? In this episode, Art shares three smart money moves to help you launch the year strong. Plus, he answers a listener's question about getting a second income and what to consider before taking that next step. Simple, practical, and faith-filled guidance you don't want to miss.Resources:8 Money MilestonesAsk a Money Question!

Episode 85 is all about money — revenue, profit, and income, and why they're not the same thing. I walk through how to actually connect your offers to your financial goals, using simple math and a real example of what a $500K business really looks like after expenses and taxes. We break down why most people set revenue goals that don't line up with their offers, capacity, or margins — and how to sanity-check your numbers before the year even starts. This is one to replay with a pen and paper. If you want the visual version, I share where to get the Million Dollar Grit spreadsheet so you can run your own numbers instead of guessing. https://special.milliondollargrit.com.

If you want to sell your online business or digital agency one day, you have to understand 3 things:1) How big buyers actually think2) What buyers look for in a digital agency And 3) how to increase your agency valuation ... so it's not just an asset that brings in cash flow but one that pay you 2-3x your annual profit if you do decide to exit in the future.That's why in this episode of the Digital Investor Podcast, I'm sitting down with Dom Wells, founder and CEO of Onfolio, a NASDAQ-listed company that acquires online businesses and digital agencies.He's going to share what large buyers actually look for when acquiring online businesses and digital agencies, why have digital agencies have become so attractive, and what separates businesses that are easy to buy from those that struggle to exit.Want To Learn How To Buy Websites for Income and Financial Independence?You don't need tech skills or prior experience, just the right strategy and a proven plan. Learn how 6-figure earners are buying profitable online businesses (the smart and safe way in 2025): https://www.ebusinessinstitute.com.au/dip

I'm pulling back the curtain on my 2025 business insights... nosy bitches, this one's for you! I share the ultimate the plot twist: I made almost the exact same money as 2024, while taking a 3-month sabbatical, working essentially part-time, and living like an eccentric writer.I break down my Pitch Perfect launches (including a surprising feeling I had with my first $20K month), why I'm retiring from being "The Podcast Queen," and the creative possession that birthed SUPERNOVA — my new thinking lab for people who want to build intellectual frameworks that shape culture instead of learning more tactical skills. Plus: why I'm choosing restraint as my 2026 word, and why I'm actively exploring capped business models and circular economies instead of scaling into outer space.Themes from the episode:Making the same money while living exponentially better - I generated $143K (basically what I made in 2024), but took almost 3 months off, worked Tuesdays-Thursdays, and traveled to 10+ cities, which honestly feels more successful than any revenue goal ever could.From reactive hot takes to restrained discernment - I'm retiring the knee-jerk cultural commentary and choosing thoughtfulness over Threads wars, because not everything needs my opinion and frankly, discernment is sexy as hell.Why SUPERNOVA exists and why I refuse to be the podcast queen forever - The sabbatical revealed I don't want my legacy to be "she taught people to pitch/podcast," I want it to be "she taught people to build worlds," which required creating a 4-month thinking lab for intellectual frameworks that transcend your current business reputation.Ditching cold pitching for relational EVERYTHING - I stopped teaching extractive tactics and started focusing on nurturing your actual circle, which resulted in my most collaborative Pitch Perfect cohorts and proved that relationships always win over spray-and-pray strategies.Exploring capped income and circular economies because endless growth is a scam - I engaged in 8+ swaps/trades for high-ticket programs, I'm capping SUPERNOVA at 10 people, and I'm actively researching what it means to redistribute resources instead of building a team-run empire I don't even want.My 2026 themes: CREATE. PLAY. PHILOSOPHIZE. EXPLORE. UNEARTH. ASK BIG QUESTIONS. SIMMER. PONDER. WONDER. THINK.What are yours?!Connect with Chelsea:

Stop Setting Goals God Never Asked You to Chase The start of a new year brings lists. Resolutions get written. Habits get promised. Motivation runs high for a short window of time. Most of those plans center on visible outcomes. Weight. Income. Productivity. Projects. Schedules. Those goals are not wrong. But they are incomplete. The deeper issue is not whether you are setting goals. It is whether your goals are shaping who you are becoming. That is where spiritual goals matter. A man can improve his body, grow his bank account, and still feel empty. He can accomplish everything on his list and still drift further from God. Progress in life does not always equal growth in faith. The question worth asking at the beginning of any season is simple. Are the goals you are chasing drawing you closer to Christ or pulling your attention away from Him? Why Spiritual Direction Comes First Most people plan backward. They decide what they want, then ask God to bless it. Scripture shows the opposite pattern. God shapes the heart first, then orders the life. Paul makes this clear in Philippians 3. He describes focus, pursuit, and discipline, but not for comfort or […] The post Spiritual Goals appeared first on UNCOMMEN.

Coach Pete and the Financial Safari team break down why proper asset management matters more than ever in today’s unpredictable economy. They talk reliable income, the role of physical assets like gold and silver, and how taxes and emotions can quietly derail retirement plans. This episode introduces the Financial Fill-Up Strategy — a proactive approach designed to create dependable, guaranteed income so retirement feels secure, not stressful.See omnystudio.com/listener for privacy information.

Do you plan to hit your sales goals, or just hope you will? You set goals in January. By March, they are forgotten. It's because most salespeople confuse wanting something with planning for it.  “I want to close more deals this year.” That is not a goal. That is a wish. “I want to be better at prospecting.” Still not a goal. Just a vague intention that leads nowhere. Real sales goals require a system. Not motivation. Not inspiration. A repeatable process that turns big numbers into daily actions you can actually execute. This four-step sales goal planning system turns annual quotas into weekly, executable actions that salespeople can control and measure. Why Most Sales Goals Fail Before February Most salespeople treat goal-setting like a New Year's resolution. They write something down, feel good about it for a week, then watch it disappear under the weight of quota pressure and full calendars. Three things kill sales goals before they have a chance: Lack of specificity. Your brain cannot attach to something vague. There is no finish line, no way to measure progress, and no emotional connection to the outcome. No breakdown. Big numbers paralyze you. Looking at an annual quota feels impossible. Your brain shuts down. You don't know where to start, so you don't start at all. Zero accountability. Goals that live only in your head are easy to abandon. There is no consequence for missing them because nobody, including you, is really tracking them. Research consistently shows that people who write down specific, challenging goals and track them perform significantly better than those who rely on vague intentions or hope. The difference between hitting your number and missing it is having a systematic approach to sales goal planning and the discipline to execute it. Step 1: Identify Your Major Milestones Big goals overwhelm you. When you stare at “close $1.5 million this year,” your brain checks out. It feels too big, too far away, and too abstract. The first step in effective sales goal planning is breaking that number into key checkpoints. These milestones tell you whether you are on track or falling behind. For a $1.5 million annual goal: Q1: $375K Q2: $375K Q3: $375K Q4: $375K Now you are not chasing $1.5 million. You are chasing $375K this quarter. Still significant, but manageable. Take it further. What does $375K mean for your pipeline? If your average deal size is $50K, you need eight closed deals per quarter. If your close rate is 25 percent, you need 32 qualified opportunities in your pipeline each quarter to close those eight deals. Suddenly, that intimidating annual number becomes a concrete monthly target of roughly 11 qualified opportunities. You cannot control whether a deal closes, but you can control how many qualified opportunities you put in your pipeline. That is the number you chase. Step 2: List Your Specific Tasks Milestones tell you where you need to be. Tasks tell you how to get there. These numbers will vary based on your market, deal size, and conversion rates. The point is forcing your goal all the way down to weekly actions you can control. This step requires brutal honesty about the activities that actually generate results in your sales process. If you need 11 qualified opportunities per month and your prospecting-to-opportunity conversion rate is 10 percent, you need 110 prospecting conversations monthly. What does that look like in weekly tasks? 30 outbound calls 15 LinkedIn connection requests with personalized messages 10 follow-up emails to lukewarm prospects 3 referral conversations Assign realistic timeframes to each task. Making 30 calls doesn't require four hours. It requires 45 minutes of focused effort. Block the time, make the calls, move on. The more specific you get, the less room there is for excuses. You either completed the tasks or you did not. You are either on pace or you are behind. If you cannot list the specific weekly tasks required to hit your goal, you do not have a sales goal. You have a hope. Step 3: Consider Obstacles and Resources Every goal has obstacles waiting to derail it. Ignoring them does not make them disappear. Identify what will try to stop you, then plan around it. The biggest time killers in sales are rarely mysterious. Meetings that don't move deals forward. Prospects who will never buy but keep you engaged. Administrative tasks that someone else should handle. Reorganizing your CRM instead of filling it with opportunities. Here is how to expose them. Track your time for one week. Write down every activity in 30-minute blocks. No editing. No judgment. Just honest data. At the end of the week, categorize everything: Income-producing activities like prospecting, discovery, and closing Income-supporting activities like proposals, follow-up, and research Waste, which is everything else Most salespeople discover they spend less than 30 percent of their time on income-producing activities. If that is you, you just found out why you are not hitting your goals. Once you know where your time actually goes, you can protect the activities that matter. Block prospecting time before meetings start. Batch administrative work. Decline meetings where your presence adds no value. Now identify resource gaps. What do you need that you don't have? Skills you need to develop. Tools that would improve your results. Support from leadership to open doors with key accounts. Find these gaps early. Discovering you lack a critical skill in November is too late. Step 4: Stay Flexible Without Lowering the Goal Sales goal planning requires flexibility in tactics, not flexibility in commitment. Markets shift. Buyers change. Your original plan may need adjustment. That does not mean the destination changes. Review your goals monthly and let the data guide you. Ask three questions: Am I on track What's working What's not working If something is working, do more of it. If something isn't working, adjust your approach. For example, your data might show inconsistent execution, poor list quality, or weak follow-up. The answer is not abandoning foundational activities like cold calling. The answer is tightening your process, improving targeting, or reinforcing outreach with disciplined follow-up. Flexibility means adjusting how you execute, not lowering the standard because the work is harder than expected. Salespeople who hit ambitious goals stay flexible in their methods and uncompromising about the outcome. Monthly reviews keep you honest. They prevent you from wasting months on ineffective activity before realizing you are off track. Execute Your Sales Goal Planning System Take one goal right now. Write it down with a specific number and a deadline. Break it into three to five milestones. List the weekly tasks required. Identify your two biggest obstacles and the resources you need to overcome them. Then execute. Review weekly. Adjust monthly. Never stop driving toward the outcome. This system works because it eliminates ambiguity. You know what needs to happen this week. Obstacles don't blindside you because you planned for them. You aren't following a broken plan for six months because you built in regular reviews. While other salespeople hope for a good year, you will be executing a plan. While they react to whatever fires pop up, you will be proactively driving toward measurable outcomes. The difference between salespeople who hit their goals and those who do not is not talent or luck. It is having a systematic process for turning big goals into daily actions and the discipline to follow through when motivation fades. Sales goals don't fail because you lack desire—they fail because the plan isn't specific enough to execute. Download the FREE Goal Planning Guide to turn your sales goals into results. 

Summary In this engaging conversation, Clayton Cuteri, Secretary General of the American Congress Party, discusses the intersection of spirituality and politics, advocating for a new vision that combines the two realms. He emphasizes the need for a political system that prioritizes the well-being of its citizens, addressing pressing issues such as healthcare, education, and immigration. The conversation also touches on the existence of demons and the impact of fear on society, ultimately calling for a shift towards love and unity. They discuss the impact of fear on decision-making, the role of spirituality in political movements, and the implications of Universal Basic Income. The conversation also touches on the gold standard, gun rights, abortion, and the challenges faced by grassroots political movements. Ultimately, they emphasize the need for unity and optimism in the face of societal challenges, advocating for a new political paradigm through the American Congress Party.Clayton's Social Media LinkTree | TikTok | Instagram | X (Twitter) | YouTube | RumbleCult of Conspiracy PodcastPodcast on SpreakerTimecodes 00:00 - Intro01:50 - Spirituality and Politics: A New Vision10:11 - The American Congress Party's Goals20:45 - Immigration and Border Security33:15 - Understanding the Political Landscape41:16 - The Existence of Demons and Spirituality46:56 - Indigo Education and Human Potential01:07:46 - Spiritual Enlightenment in Politics01:10:47 - The Gold Standard and Economic Stability01:22:50 - Gun Rights and Spiritual Perspectives01:30:40 - Abortion: A Complex Discussion01:48:17 - The Future of the American Congress PartyNEWSLETTER - SIGN UP HEREBecome a supporter of this podcast: https://www.spreaker.com/podcast/traveling-to-consciousness-with-clayton-cuteri--6765271/support.Official Traveling to Consciousness Website HEREALL Indigo Education Podcasts HEREMy Book: The Secret Teachings of Jesus HERE

If you've ever entered a new year full of ideas, plans, and ambition, only to feel overwhelmed before February, this episode is your reset.   In this encore, I'm sharing the simplest, most powerful income tool I've ever used: your Money Word of the Year.    I walk you through how to choose a Money Word that actually does something for you. One that upgrades your standards, exposes what you're done tolerating, and supports you in making cleaner, more confident decisions all year long. This is how high-earning women create momentum without burning themselves out.   If you want a year that feels grounded, profitable, and aligned with the woman you're becoming, this conversation will give you the start you're looking for.   In this episode, I talk about: Why high-income women don't rely on planners to grow their income.   What a Money Word of the Year really is, and why it works as a financial tool.   How one word becomes a decision filter for pricing, offers, time, and money.   Why choosing multiple words creates confusion instead of clarity.   Why committing to one word for a full year accelerates identity-level change.   ~~   For full show notes, transcript, and to check out Kendall's Money Word of the Year freebie, click here: www.themoneycoachschoolpodcast.com/119

“Every expense needs to fight for the right to be on your income statement.”— Jacquette TimmonsIn today's episode, “What You Choose to Carry Forward (and Why It Matters Now),” Jacquette invites you to close out 2025 with a powerful reset. This is the moment to pause, reflect, and decide what truly deserves to move with you into the new year.An audit isn't just a financial exercise. Because it's always about "More Than Money," it's also a chance to see where your energy went, what fueled you, and what drained you. A financial and lived‑experience audit reveals discoveries, offers evidence, clarifies what's enough, and highlights the wins you may have overlooked.End your year with intention and gratitude so you can begin the next one renewed, aligned, and ready for what's ahead.For Clarity: Offer Portfolio Blueprint™ | Pricing Clarity for Entrepreneurs — Jacquette Timmonswww.jacquettetimmons.comwww.jacquettetimmons.com/digital-productswww.instagram.com/jacquettemtimmonsBuyMeACoffee.com/JacquetteSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Send us a textFor a long time, I judged my success on one number each month. If I hit it, I felt safe. If I didn't, everything felt like it was falling apart.This episode is about stepping off that cycle.I walk you through how I stopped chasing arbitrary monthly goals and built an income plan that actually supports my life. One that creates stability, space, and confidence instead of panic and pressure. Join the Growth Lounge - https://www.brittneyceo.com/growthGet My 7 Figure Guide: https://brittney-ceo.mykajabi.com/offers/fbKnBwSM/checkoutGet my FREE weekly biz babe moves straight to your inboxhttps://view.flodesk.com/pages/624b64b2a15594c239cada7bJoin my Facebook Grouphttps://www.facebook.com/groups/131279237732613Follow me on Ig @brittneyceo for my daily life, hot biz tips, and morehttps://www.instagram.com/brittneyceo/

Join the mastermind waitlist by applying hereLast week I went live on instagram with my gorgeous client Georgia, who's been in my Growth Mastermind for just three months. And her journey is one I know so many of you will see yourselves in.When she joined, her business was still very much a side hustle alongside a part-time job. She was exhausted, overthinking everything, and stuck in that horrible in-between phase where you know you want more… but you're scared to fully commit.Fast forward three months:She's left her jobShe's gained over 100 new clientsHer income has tripledAnd most importantly, she's clear and confident in her business for the first timeBut what I love most about this conversation isn't the numbers.It's the honesty.We talk about the fear of leaving “safe” income.That feeling of being busy but not really moving forward.How comfort can quietly cap your growth.And how having the right support and structure changes everything.Georgia shares exactly what clicked for her, what she stopped doing, and why going all-in was the turning point.If you're currently:– juggling a job and your business– feeling burnt out but scared to let go– or knowing deep down that you're capable of morePlease go and listen to this replay. You don't need to rush anything.You don't need to make a big decision today.But you do deserve clarity.

I have CHILLS re-listening to this episode. It's so powerful it deserved a re-release as I genuinely can't think of something more empowering to start off the new year. Get your fury pink pens sloots because we are taking notes on how to change our lives

Objective of the Plan Lower healthcare costs for Americans. Extend expiring ACA subsidies temporarily while transitioning to a new system. Shift financial benefits from insurance companies to individuals. Proposed Measures Two-year extension of Enhanced Premium Tax Credits (originally expanded during COVID-19). Income eligibility cap for subsidies at 700% of the federal poverty line to prevent wealthy Americans from benefiting. Minimum premium payments to ensure cost-sharing. Encourage Health Savings Accounts (HSAs) and direct tax credits to individuals rather than insurers. Push for cost-sharing reductions that were previously blocked in Congress. Financial Impact Congressional Budget Office (CBO) estimates reforms could: Lower premiums by 12.7%. Save taxpayers $30.8 billion. Criticism of ACA for being “unsustainable” and increasing premiums by 80% since passage. Political Context Democrats opposed previous Republican attempts to include cost-sharing reductions in legislation. Debate over whether reforms should be bipartisan or passed via budget reconciliation. Trump emphasizes “power to the people” by allowing individuals to control healthcare spending. Underlying Philosophy There is a strong focus on consumer choice and freedom. Opposition to government-managed healthcare and subsidies flowing to insurance companies. A belief that direct-to-consumer funding will reduce corruption and lower costs. Please Hit Subscribe to this podcast Right Now. Also Please Subscribe to the The Ben Ferguson Show Podcast and Verdict with Ted Cruz Wherever You get You're Podcasts. And don't forget to follow the show on Social Media so you never miss a moment! Thanks for Listening X: https://x.com/benfergusonshowYouTube: https://www.youtube.com/@VerdictwithTedCruzSee omnystudio.com/listener for privacy information.

Welcome back to another episode of the unSeminary podcast. Today we're talking with Tim MacLeod, a former nurse who escaped the financial treadmill by flipping couches—and now teaches others how to do the same. Are you a church leader feeling the financial squeeze? Looking for a side hustle that doesn't require debt, special skills, or hours you don't have? Tim's story offers a practical roadmap—and encouragement—for anyone needing to close that income gap. Burnout and financial pressure. // Tim became a nurse at 21, newly married, supporting his wife through teacher's college, and quickly thrown into adult responsibilities. The only way to stay financially afloat was by working overtime once or twice a week. When their second child was on the way, he realized the path he was on was unsustainable. Finding financial freedom. // Options like upgrading his nursing degree, relocating, or working in dangerous psychiatric facilities were unappealing. Tim needed something flexible, part-time, and profitable enough to replace overtime. He discovered flipping phones and iPads first, but competition was fierce. Then, after borrowing a trailer and responding to a free couch listing, everything changed. He cleaned it up, sold it the next day for $280, and instantly covered more than an entire nursing shift. Why flipping couches works. // The opportunity exists because of a gap in the marketplace. Most people don't own trucks, can't move heavy furniture, and face tight deadlines when moving. Sellers value reliable pickup over price; buyers value affordable furniture delivered to their door. Tim steps into this gap. With polite communication and kindness, he creates a “win-win-win”: sellers get rid of furniture quickly, buyers get affordable delivered couches, and Tim earns a consistent profit. He estimates most beginners can make $1,000/month by flipping just five couches—buying each for around $50 and selling for $250 with delivery included. A side hustle with time freedom. // One of the most surprising parts of Tim's business is the flexibility. He built the early stages of his flipping business in the evenings with his wife and baby riding along—road dinners, cheap pizza, and trips to pick up inventory. Now he schedules pickups during school hours, stacks deliveries based on availability, and can pause or accelerate the business as needed. It's ideal for ministry families with unpredictable schedules. Why you can succeed at this. // Many of Tim's students are pastors or church employees, and he says ministry workers have unique advantages: access to storage at the church, a heart for helping people, strong communication skills, and the ability to bring calm to awkward interactions. Many pastors live outside their ministry communities—creating the perfect “import/export” opportunity where they can buy in one market and sell in another. And unlike many side hustles, flipping couches doesn't conflict with ministry—it simply provides supplemental income with minimal stress. A free resource to get started. // Tim created a free Google Doc of scripts—his exact messages for starting conversations, vetting couches, and negotiating with integrity. To get it, simply comment scripts on any of his Instagram videos and he’ll email it your way. He also offers an affordable course walking through his full system, including storage setup, videos, delivery strategies, and scaling beyond $1,000/month. To learn more or access Tim's free scripts, visit him on Instagram @thefulltimeflipper or explore his full course at tim-macleod.com. Thank You for Tuning In! There are a lot of podcasts you could be tuning into today, but you chose unSeminary, and I'm grateful for that. If you enjoyed today's show, please share it by using the social media buttons you see at the left hand side of this page. Also, kindly consider taking the 60-seconds it takes to leave an honest review and rating for the podcast on iTunes, they're extremely helpful when it comes to the ranking of the show and you can bet that I read every single one of them personally! Episode Transcript Rich Birch — Hey, friends, welcome to the unSeminary podcast. So glad that you have decided to tune in. We’re definitely having a very un-unSeminary episode today. You know recently I heard some statistics that I was like, man, we gotta do something about this. According to the Bureau of Labor and Statistics—you’re like, it’s a little early in the year for the Bureau of Labor and Statistics—but there’s a 13% gap between what religious workers—people who are clergy actually, is the title—and the average income in the country makes – a 13% gap. In fact, it even gets worse when you look at people, there’s a category called “religious workers, other”, which these would be like not the senior pastor types. This is like everybody else that works in a church. There’s a 40% gap between those people and the the average salary in the country. Rich Birch — And so why am I bringing this up? Because I know that there are people that are listening in today that are feeling that gap. Here we are in January and they’re feeling the pressure of that. And I want to help you with that. And so I’ve got a friend, like a friend from real life, friends. This is like we’re in the same small group. We know each other, incredible leader, and I want to expose you to him. But more importantly, I think he can help you with that gap.Rich Birch — It’s my friend, Tim MacLeod. Tim was a nurse with the dreams of fatherhood and home ownership, but after a few years was faced with reality and no time, no amount of overtime was really going to fill the gap that he needed to make things work. And after being stuck on that kind of financial treadmill, he found a way out. He found the niche of, wait for it, friends, flipping couches. What? Flipping couches and was able to quit his nursing job and now does this full time. And I’ve asked him to come on. Uh, because I think what he did at the beginning, even part-time, I think could help some of us today that are, that are listening in. Tim, welcome to the show. So glad you’re here.Tim MacLeod — Thanks so much for having me, man. I’m excited.Rich Birch — This is going to be a good conversation. Kind of fill in the story. Tell us a little bit, uh, tell us about your background, and how did you get in? How did you go from nursing to flipping couches?Tim MacLeod — So I wanted to be obedient and I got married maybe a little bit too young at 21. My wife was still in teacher’s college. And so very, very quickly I was thrown into adulthood of two cars, rents and all the things that come with that.Tim MacLeod — And nursing was good. I was a registered practical nurse, so not a university educated RN making bank, but doing okay with a college diploma. And I got the comfy gig at a long-term care home because I preferred eight-hour shifts and not the, I didn’t want nights.Rich Birch — Midnight and all that.Tim MacLeod — I just wanted, yeah, exactly.Rich Birch — Yeah, yeah, yeah.Tim MacLeod — I wanted the free parking and the the reliable six to two shifts. That was just the lifestyle that I liked. And the only way that I could stay afloat financially was with doubles. I had to do my six to two and then at least once a week, usually twice, if I wanted to have any money to play with, um I would work the two to ten.Rich Birch — Wow.Tim MacLeod — And that was cool while my wife was in college or while she was finishing up teacher’s college, that was fine. And then, we had a newborn baby and that was fine. Because anytime that I would have to do those doubles, she’d go to sleep, go for a sleepover at her parents’ place. And, uh, and I would just drudge up the shifts.Tim MacLeod — And, but then when we were pregnant with number two, I knew that there was difficulties coming. And the road ahead did not look very good. And so I needed something different and all my options for replacing the income suck. Like I could go back to school and upgrade to RN, but I scraped through the first time. So that was nuts.Rich Birch — Right.Tim MacLeod — I didn’t have much hope in myself in that avenue. And I could go, I could relocate, I could move or I could commute about an hour and 20 away to the mental health hospital and make like danger pay in like an asylum, basically with my current qualifications.Rich Birch — Right.Tim MacLeod — And everything just looked terrible. I hated all of that. And all I needed was something better than overtime. I just needed to replace that portion of the income. And I needed something better in my evenings that hopefully I could do with my wife or from home. And so I was looking at side hustles.Tim MacLeod — And I had a little bit of success flipping phones and iPads because that’s all that I really understood…Rich Birch — Okay. Yeah, yeah.Tim MacLeod — …all I understood at the time. And I live about an hour north of where my in-laws live, which is a pretty dense population. I’m in the sticks and the supply was really light there. So I could reliably go for a free meal at my in-laws place, pick up an iPhone or three and for like 300 bucks and then bring them home and sell them for 450 bucks. And so that took that took the pressure off and that was like grocery money.Rich Birch — Right.Tim MacLeod — And it was really consistent, really reliable. And and it was fun too. I really liked it. I liked the negotiations. I liked, I liked not trading time. Rich Birch — Right.Tim MacLeod — Like I liked making making a profit instead of a wage. And that I was hooked on that, but there was competition. Like I wasn’t that clever doing that.Tim MacLeod — There was there was kids that were closer to the inventory ripping around in little Hyundai Elantras and uh i remember meeting this this Indian kid named Lucky, at least his Canadian name was Lucky, and he was beating me to all the goods. And and I met him one time to buy a phone for myself and I actually got to meet him and ask him some questions and he was making four grand a month flipping phones.Rich Birch — Wow.Tim MacLeod — And I thought that is so sick, and it’s just a pure cash hustle. And he was making more doing that than whatever his office or IT job was at the time. And I was super inspired by that, but I didn’t want to compete with him. So that kind of that kind of festered with me a little bit.Tim MacLeod — And um I just got an awesome idea. Well, was gifted to me by the Holy Spirit, I think, based on how fast and how fierce it came, that I need to get skills and tools to sell in a different category, something with a higher barrier to entry. And I wanted something where I didn’t have to compete with the Honda Civics and the Hyundai Elantra’s that were closer to the action.Rich Birch — With Lucky. Yes.Tim MacLeod — Yeah, exactly. He was smoking me. And and it also, it was a little bit of that and then also a little bit of me coveting. I wanted to get like, um I wanted an excuse to buy a Ford Ranger. I wanted a truck at the time.Rich Birch — Love it.Tim MacLeod — And so this combination, this combination of like wants and needs at the time, had me pitching an idea to my brother, Ross. I’m just like, Hey, what do you think about instead of phones and iPads? What if I got a truck and I started doing like washers and dryers or appliances or something like that? And he said, that’s a cool idea.Tim MacLeod — You’re good at the phones and iPads thing. And I definitely like, you’re good at the negotiations, all that. But don’t start eight grand in debt. That’s so stupid. Why don’t you just borrow my trailer and just try it? And I said, well, I don’t have a, I don’t have a hitch on my car. He said, get a hitch on your car, buddy. Okay. So, put that on the Visa, did not have the money for it. Rich Birch — Wow. Tim MacLeod — Put that on the Visa, put a two inch two inch hitch and four prong wiring on Mazda 5 like the little four cylinder, little mini minivan.Rich Birch — Oh, I wish I would have saw this at that. I wish I would have s seen this at this phase. Cause that, that, that would have been amazing to see him getting pulled around.Tim MacLeod — It was it was pretty cute and it was a big trailer too 12 by 6 aluminum being pulled by this little aaaaahhh. And it was stick shift and and…Rich Birch — Nice.Tim MacLeod — …and the first day I got the trailer, the only thing I could find, because I was just itching to use it, was a free couch. And it was one of those beige microfiber, like gets dirty if you look at it wrong.Rich Birch — All right. Yes.Tim MacLeod — Like they hold on to every water stain.Rich Birch — Yes. Yes.Tim MacLeod — And it was that and it was free and it needed a little bit of TLC. And I went and I got it for free. Brought it home and with a damp cloth, scrubbed out all the little marks and had it looking good. Took a picture of it, listed it with an offer of delivery and it sold the next day for 280 bucks.Rich Birch — Wow. That’s amazing.Tim MacLeod — It was awesome. Because a nursing shift net was like 180.Rich Birch — Wow, OK.Tim MacLeod — I think I was, I think I was 28 bucks an hour for an eight hour shift after taxes. Yeah. Probably like 180 hit the account.Rich Birch — Wow.Tim MacLeod — And so 280 for that. And it was one of those trips of free meal at, at the in-laws and then a free couch and then bring it home and then solve somebody’s problem of, I just got an apartment. I don’t have a car or my car’s too small and I need a couch.Rich Birch — Yes, yes.Tim MacLeod — And their option was, rent a U-Haul or go to Leon’s and finance something that comes delivered. Both are not very good options for most people. And then lo and behold was this guy who said, I got a couch, I can bring it by. And it was just the easiest yes for them. It was a win for everybody. Rich Birch — Right.Tim MacLeod — The person who needed the couch picked up, didn’t care about the money. They needed reliable pickup more than they needed cost recovery of the item because they had a deadline. I needed a way to make some cash and the person on the receiving end needed a couch that was affordable that came delivered. So it was just a win-win-win for everybody. I was like, okay, forget about appliances. Couches – I love this. And it was easy, it was it was easy enough to lift by myself. Rich Birch — Did you ever do appliances? Did you ever do appliances in there? Tim MacLeod — Yeah. I did a washer and dryer and ate a loss on that because it needed repair and I didn’t… Rich Birch — Love it. Tim MacLeod — …I paid for someone to assess and they were like, yeah, this thing’s broken. Was like, sweet. Okay. So a hundred bucks to you for, for, to tell me that it’s hopeless, and then pay for junk removal too.Rich Birch — Yes.Tim MacLeod — Like it was just such a loss. But couches, I could reliably sit on it and be like, well, that’s not broken. And I can handle that little stain or I can, my wife could stitch that up.Rich Birch — Right. Right.Tim MacLeod — And, uh, it was just so safe. And I loved it. If, if I were handier, I’m sure I could, flip snowblowers or lawnmowers or cars or something like that, but I’m not handy. I’m just, I have the ability to relocate stuff. Rich Birch — Right.Tim MacLeod — And so couches were just so perfect where I could just accurately be like, that’s 300 bucks to me. Rich Birch — Right.Tim MacLeod — And they only want 60 for it. Perfect. Let’s do that.Rich Birch — So and let’s double click on that. A part of what, so friends, like with the reason why, I think you’ve seen why I’ve got Tim on the the line today. I want to inspire you to think like, hey, you you could in part-time make a little extra a month. And I’m going to get to that with Tim. I’m going We’re going hammer down on, okay, what exactly would be some of the first steps that you take? But let’s unpack a little bit more. You’ve talked about once this insight, which I think is just a stellar insight that’s obviously at the core of your business. It’s this whole timing thing. Like people, you know they think a couch is worth certain certain amount, but they’re moving on X date, and the value of that couch goes down. But then it’s literally the reverse. Someone on the other side, they have an empty living room and they’re like, I need something here.Rich Birch — Unpack that a little more, kind of double click on… that value exchange and how you’re in the middle of that. What’s it talk us through what that looks like.Tim MacLeod — Yeah, there’s there’s a gap. There’s a gap in the marketplace. On the one end, we’ve got people who need it picked up and their options are hope that someone will pay the price that they want. And then if they hit a deadline, then their option is junk removal or put it to the curb. And so there’s a gap to fill there. Tim MacLeod — And then on the other side, there’s a gap of people who need a couch dropped off but can’t do it themselves. Like how many, what’s the population of people that own a truck that can actually do it is probably less than 10%. Most people have cars and hatchbacks and SUVs and stuff like that.Rich Birch — Right. Tim MacLeod — And then there’s also the how many people can lift a couch. I would say easily less than half the population. And so there’s just this huge gap that can be filled. And so by just committing to being the dude, you can help a lot of people solve a lot of problems. And there’s a little slice in it for you too.Rich Birch — So one of the things I’ve heard you say is that you have found this process of buying couches and then, you know, sitting on them for a while, maybe cleaning them a little bit and then turning around selling them is really flexible. Talk us through that. You know, it feels like you’re, you know, you’re, you have some time control. Talk us through what that looks like for you in your current world.Tim MacLeod — Yeah, the time freedom is crazy. And that was the appeal in the beginning was [inaudible] I didn’t want to be strapped to a location, a building to to make money. I had to be away from my wife and kids. But when it, couches just took off so fast that the first time I flipped a couch, I immediately called the scheduling office and reneged on all of my overtime. I said cancel all my two shifts.Rich Birch — Oh, wow.Tim MacLeod — I’m done. I’m I’m I’m just doing my 10 shifts. And, and then it didn’t take too long before i wanted to quit so fast, man. I wanted to be out of there. My, my my passion for the, like, I was so replaceable. Like as soon as if if I’m gone, someone’s going to fill the shift.Rich Birch — Right. Right.Tim MacLeod — Like, ah but there was a, there was a huge, there was a need that, and it was fun for me too. It was a game. I forget the question.Rich Birch — Yeah, I was just talking about the time flexibility, like how you feel like it’s, you know, you have a fair amount of time freedom. Part of what I’m trying to get to is pastors are busy people. Church workers are busy people. Is this even the kind of thing that they could fit into, you know, an existing as like a side hustle kind of thing?Tim MacLeod — Yes. Yeah. The time freedom is crazy. And so on the buying side, I’m just letting people know when I’m available. And sometimes I’ll tie it up with ah with a $50 deposit so that they can market it sold with confidence and they know that I’m not going to ghost on them. And that I have the peace of mind of nice, that’s mine for when I need it. And I’ll squeeze them for a deadline so that I make sure that I’m providing the service of reliable pickup in a manner that works for them. Tim MacLeod — But yeah, I’m just stacking pickups when it’s convenient for me. And in this current season, it’s during school hours. Rich Birch — Right.Tim MacLeod — So I’ll drop the kids off at school and then rip south and grab some stuff. But in that season, it was I’m available in the evening. And so I would come home from school, I’m sorry, work from my nursing job. And my wife would pack up, we pack up a little cooler bag of like a road picnic of dinner.Rich Birch — Right.Tim MacLeod — We had a one-year-old baby at the time and, uh, oh, that summer there was a lot of 50% off pizzas. Pizza Hut had a, the, the apps, we had all, all the apps, lots of road dinners. Rich Birch — Yes. Yes. Tim MacLeod — And Costco was clutch too.Rich Birch — Yeah.Tim MacLeod — But, um, yeah, just when I had an availability, I would acquire inventory and then they’d sell when they sell. And and again, full flexibility of, okay, I’m available at this time. I can squeeze in a delivery or someone could come pick it up. But yeah, the the time freedom is crazy and it’s sweet to to to just dabble in profits instead of relying on a wage. Rich Birch — Right.Tim MacLeod — Yeah, time freedom is awesome.Rich Birch — Well, you talked about the fact that your you know your brother was telling you you’re good at negotiations. I know there are people that are listening in today that are feeling like, oh, there’s no way that I would be good at negotiations. Obviously, you’ve got to buy the thing for considerably lower than what you’re selling it for. Talk us through even just a couple, help us get over that hurdle in our brains. Man, I just don’t know that I could do that.Tim MacLeod — Yeah. So the first thing is I’m scrolling a lot. And not not frequently. I’m not glued to my phone. But when I do it, I lock in. Like today was the shopping session and it was headphones in with some instrumental music, just kind of vibing. And I’m probably scrolling, looking at probably 400, 500 couches. Rich Birch — Okay.Tim MacLeod — And I’ll message probably 20 to 30 of them. Because a lot of them are crap. A lot of them are actually new. There’s no opportunity with new coaches. like There’s lots of warehouse stuff that’s still on first Facebook Marketplace and stuff like that. But what I’m looking for is very specific. I’m looking for private sales from real people. You got to be able to spot the scammers and weed them out. Tim MacLeod — And I’m looking for couches that I would want in my lockers. I’m not worried about the price whatsoever. Because the price is super subjective and it’s just kind of like what they’re hoping for. It’s not actually what they’re necessarily going to get. So the price is irrelevant. I’m just looking at pictures and I’m compiling lists of couches that I would want. And I’m starting conversations so that it’s kind of like I’m, I’m, it’s it’s like I’m offering my service. I’m starting the conversation to see why they’re selling it, if there’s a deadline, and if they would be someone who would be receptive to my service. And it’s kind of like they’re paying me for my reliable pickup service with a smoking and deal on a couch.Tim MacLeod — And so I have to get them there. And it’s not just, I can’t just go around lowballing everybody because you burn the bridge and you hurt feelings. Rich Birch — Right. Tim MacLeod — So I’m starting conversations and I’m filling in the gaps on the item. So I’ll read the description and see what’s missing. Like, did they specify that there’s pets in the house? I want to know, is there pets? Are there smokers in the house? Does it need any repairs? Does it need any stain removal or restoration if it’s leather? And I’m filling in all the gaps. So I have a complete picture of what it is that I’m actually buying. And that’s all kind of like a trauma response from my many, many drives of shame of I didn’t ask the right questions.Tim MacLeod — And so it’s it’s definitely preventing the drive of shame. And I’m just running through these scripts that I have. And it would sound like it’s a lot of typing, but I’ve actually made keyboard shortcuts for all of it. So my opening question is, I’ll never say, hi, is this still available? Because everybody hates being asked, hi, is this still available? On Facebook Marketplace, right? Because they’ve made it ah they’ve made it a button… Rich Birch — Yes. That’s why it’s up. Tim MacLeod — …where it’s just like, hi, is this still available? But that upsets people, which is fair, because it’s annoying. But at the same time, most people don’t have empathy for the fact that, how else are they going to start the conversation? Why would you ask questions if you’ve got someone lined up for it? So I’ll ask the exact same question, but in a way that annoys nobody. And I’ll say, is anyone scheduled to pick this up? It’s the same question, but upsets nobody.Rich Birch — Same question, just in a different way.Tim MacLeod — So that’s, that’s my first shortcut is, good morning, good good afternoon, good evening, whatever. And then any, and so on my keyboard, any with two wise expands into anyone’s schedule to pick this up. And then the next one is, does it need any repairs or stain removal? That’s if it’s fabric. And that’s does D or D O E S S and then D O E s S S S or with three S’s is, does it need any repairs or restoration? That’s if it’s leather. And so it’s just these quick little, my thumbs are just, and just… Rich Birch — So cool. Tim MacLeod — …I’m, I’m drafting up this quick little paragraph that fills in all the gaps, firing that over. And then, And then they’ll reply and fill in the gaps. And then I park it. I pause the conversation by saying, okay, awesome. Thanks so much. Just starting to have a peek at options, might get back to you.Tim MacLeod — And that one line separates me from everybody on Facebook. Because most people ask a question and then they just leave it on read. They got that little picture, that little tiny profile picture of yourself that says that, hey, he read it, but he’s gone and it’s crickets.Rich Birch — Yes.Tim MacLeod — And it’s a very, very infuriating experience. And that’s kind of like part of my service is that I am very, very different on Facebook Marketplace. Like an experience selling to me is better than anybody…Rich Birch — Right.Tim MacLeod — …because of how I talk. Like I’ll receive offers every day from people that don’t use words. They just send a number. Rich Birch — Just money. Tim MacLeod — Like I’ve got a couch listed for 1150 and someone just sends 700 – no dollar sign, no question mark, no good morning, nothing like that. And, and that’s a fair offer. Like he’s… Rich Birch — Yeah. Tim MacLeod — …I paid, I paid a fifth of that, like 700 is a fair offer, but I automatically hate this guy. I don’t, I don’t hate, I don’t hate him. Rich Birch — Yes. No, I get what you mean.Tim MacLeod — But, but it’s immediately just like, dude! Rich Birch — Yes. Tim MacLeod — You like say, say hi, say please. Rich Birch — Yes. Yes. Tim MacLeod — Even a, even a question mark would be, you know, so that’s the kind of people that I’m dealing with. And I’ve got thick skin and I always operate on the mindset of, I do want to sell this guy and I, and I do want to see him later today. So I’m not going to match his energy. Rich Birch — Right.Tim MacLeod — I’m never, I’m never a thermometer. I’m always a thermostat. I always set, set the temperature in the room, you know?Rich Birch — Right. Love it. Yep.Tim MacLeod — And so that’s ah that’s a big factor. But yeah, running through those scripts and and just getting people to their best price. And so after pausing it of, thanks so much, just starting to have a peek at options, I’ll reconnect with them.Tim MacLeod — Now, this is this is if their price is optimistic and it’s not a price that I’m willing to pay. I’ll slow play it a little bit by pausing the conversation. And then I’ll come back and then I’ll hit them with my my secret weapon is my polite lowball offer. And the number they might hate the number, but it comes gift wrapped in this like apologetic, like, Hey, I’m…Rich Birch — Oh, you got to tell me more that you’re, you’re setting that up. Well, you’re like, what is the polite low ball offer?Tim MacLeod — For me, I’m shopping in Toronto, which is like 90 minutes, two hours away.Tim MacLeod — And so my apologetic offer is: It’s so far, is there any chance you’d consider this much, any chance you’d consider for an out of towner? And then I just plug in the number. And, and it’s always received well. And even if it’s even if it’s even if they’re firm, that’s fine. Now I know. Rich Birch — Right. It’s data. Tim MacLeod — But and ah honestly, if somebody accepts my offer, then I didn’t offer low enough. Like I’m i’m really pushing the limit.Rich Birch — Oh, interesting.Tim MacLeod — I’m flirting with the line between an optimistic offer and a rude offer, but because I’m so nice about it. And it’s, it’s kind of like, it’s my secret weapon to get them to their best price. Because the the worst way to get someone to their best price is what’s your best price?Rich Birch — Right.Tim MacLeod — Like whenever someone asks me that, it’s again, it’s just like, that’s annoying. I don’t like you.Rich Birch — Yes. Yes. Right, right, right, right, right.Tim MacLeod — But to politely lowball and then their counter is their best price. So I just want to squeeze them for their counter offer. And now I know what their best price is.Rich Birch — Right. Okay. That’s cool. There’s a lot there. And I know you’re want to stay tuned because Tim’s got an offer of some free help that he wants to give you that we’re going to, we’re going to get to here in a minute. So I know some of you were like, go back and ask questions on that. But I know that the free offer to help is going to help with some, some of those things. Rich Birch — What about negotiation on the other side? So I get a sense of what you’re talking about to try to get them, you know, there’s a time thing there and we’re going to wait and all that. But now on the other end, you’re trying to obviously maximize or get the biggest money for that couch you just bought, bought. What are some things we should be thinking about on that? How are you offering the couches in a way that, you know, captures people’s imagination and says like, oh, okay, that’s this, I want to do business with this guy.Tim MacLeod — So a big thing is where I’m selling it. It’s almost like I have an import business. It’s that I’m I’m ripping down the city and I’m shopping in the Tesla BMW neighborhoods where nobody has trucks and they sell really slowly. Rich Birch — Yeah.Tim MacLeod — And I’m loading a trailer and then bringing it home to the sticks where there’s not as much supply. And I’m selling to people who do have pickup trucks. Like where I live, there’s lots of people with trucks and trailers, but they weren’t doing that drive to the city like I did.Rich Birch — Right. Right.Tim MacLeod — So I’m destroying a Toyota Highlander in kilometers, which is really hard to do. It’s at 400,040 and she ain’t quitting anytime soon. It’s been a great car.Rich Birch — Love it.Tim MacLeod — So that is definitely like the fact that it feels like an import business feels like cheating.Rich Birch — Well, and can I just, I just want to interrupt you for a second here. This, because that dynamic, this is a part of why I wanted to have you on the show. Because one of the things that I’ve seen is like, it’s super common, like super common for church leaders to not live in the community that they serve. Because frankly, they can’t afford to live there because of that gap that I just told you about.Rich Birch — There is a wage gap between what people make and the communities they serve in. And so they typically live you know, 45 minutes, an hour away. I actually think that that, the fact that they’re just driving into the office could be, and then going back to wherever they live, could actually set them up for running this kind of business just because they’re in and out of where they’re at.Tim MacLeod — Oh, yeah. Yeah, that’d be cheating. If you could, if you could grab a couch on your way home from on your way home from work to bring it back to the sticks, that’d be awesome.Rich Birch — Yeah. Yeah. I see that all the time.Tim MacLeod — For sure. And at a lot of…Rich Birch — So the distance is one way. So there’s like an import out, out, port anything else that you get, it’s kind of an interesting part of how you negotiate on to try to increase the, the, the price.Tim MacLeod — Knowing what it’s worth and how quickly it would sell is definitely a factor. And just patience wins on both sides.Rich Birch — Right.Tim MacLeod — Being the dude who um can pick it up and someone is now, they had their optimistic kick at the can and now it needs to go and their patience has run out. Patience wins there. And then on the selling side to where I don’t, it’s not in my foyer. It’s not in my living room. The new couch hasn’t arrived. It’s in a storage locker ready to be picked up anytime. And my lockers are fairly affordable being in a rural spot.Tim MacLeod — And so it’s kind of like if if we were playing poker, I’m holding aces. I can deliver it. I can sell to anybody. I’m not relying on people on the small demographic who can pick it up. I can sell to the Honda Civic crowd. I can sell to seniors who can’t lift a couch themselves. I can finesse it into a patio door by myself. And so there’s the there’s the skill gap there as well. And all of the all of the hindrances that make selling a couch difficult are not a factor for me. I can lift them by myself. I can I have the best trailer. I have storage lockers. They can take as long as they need to sell. And I live in a market where there’s not as much supply. So it’s just, it feels like cheating. Like I’m just really, really set up for it. And it’s super easy to be patient.Rich Birch — Now, I don’t know if I’m going to force you to give away one of your secret weapons here, but talk about the videos that you shoot ah of the, you know, of the products. Because i to me, I think this is one of the things you do that I think is super unique. What is what’s unique about the videos that you might shoot? Say got this nice leather couch. It’s like, you know, it sells for $5,000 somewhere else. You’re selling it for whatever, $1,500, $2,000. What’s actually in that video that might set your your listings apart?Tim MacLeod — Yeah, so that was something that I feel like I pioneered. And since then, Facebook has now added a feature where you can add a video to a listing. But it’s so nice to have. So I’m I’m posting flattering photos. So it’s it’s a scroll stopper when they’re on Marketplace.Tim MacLeod — And they’ll inquire. And then my video is super, super honest. And the goal is for it to be so detailed that they could confidently say, okay, he just showed me all the reasons not to buy the couch because all my stuff is used. I’m not selling anything new. It’s all pre-owned. They all have some blemishes or some quirks or worn spots or something like that. But to include ah a video that shows all of the reason not to buy it really, really greases the wheels because no one’s coming to see a couch and then being disappointed when they get there. Everything was already shown.Rich Birch — Right. Right.Tim MacLeod — So they’re coming to just give, basically just come sit and sniff and make sure that it’s something that they would want in their house, or something they’d want to sit on for two hours a day. And, um, and so those videos really, really saved me so much time and gasoline. And since then they’ve added that where you can add a feature. So, or where you can add a video into the listing. And so as long as the video is less than a minute, so I’m aiming for 59 seconds, I’ll fill the whole thing and I’m showing every inch of it and I’m packing it with dialogue on the neighborhood that it came from, the people, the house. And a lot of times that’s a selling feature of this this couch came from North York. The house was ridiculous. Rich Birch — Right.Tim MacLeod — It’s one of those houses with three living rooms. And this is the one that had the Christmas tree for a month a year. Like this was barely used. And I’m just packing it with dialogue and really, really selling it.Rich Birch — Yeah.Tim MacLeod — And my goal is that I could deliver it with them like sight unseen that they could firm up. And that when that couch arrives, there are absolutely no surprises. It’s everything they ask for [inaudible]…Rich Birch — Which from from your point of view, like this isn’t the only couch you’re hoping to sell this week. And and a part of the way that you have to protect your time and protect your business, frankly, is not having a bunch of people come and check out couches and then decide against it. Whether they’re coming to your locker or you’re driving it to their place. That’s like the worst case scenario is they show up and they’re like, oh, I don’t want this. So you might as well be fully upfront and be like, hey, here’s some stuff that’s not great about it.Rich Birch — And you do it in a really clever way. I love those videos. You helped me sell a car, which was fantastic. And I love the video you did for, you know, for that, because it was the same thing. It was this kind of like fun, um you know, here’s five reasons why you shouldn’t buy this, which which is just endearing. People, you know, lean in and want to hear more about that.Rich Birch — Well, what about the lifting piece? So, you know, if you’re not seeing one of these clips, Tim is a man of a certain size. He’s got some girth to him. He can pick stuff up. But what if I can’t? What if I’m not that guy? What if it more like me? You know, you’re like, hey, I’m not sure that guy can pick up 20 pounds. Like, is that like, I know that’s a part of what your you offer. Obviously, it’s a part of your advantage. But, you know, not everybody can do that. Talk us through that hesitation.Tim MacLeod — Yeah, I don’t think that it’s a deal breaker for having success. I think that if you can carry in a stubborn load of groceries in from the house that you could make a lot of money flipping couches.Rich Birch — That’s good.Tim MacLeod — And it it feels like a very unique form of laziness. Like I’m the kind of guy that if I need to go start start the barbecue or go run and grab my wallet from the car, I’m going to walk across the whole house and look for my flip flops instead of bending over and lacing up my boots that are right there. Like it’s a very unique form of laziness where I could jackknife park the trailer up to the storage locker. I have the dolly, but I’d way rather just, hey-yep-hey-yep-pep-pep just, just he-man lift it myself. And I’ve got a lot of really good mechanics lifting it. Tim MacLeod — Lifting a couch solo actually is not very heroic. And, and I’ve taught a lot of people how to do it. And there is, there are some heroic angles where, where the couch is on the ground and all four feet are on the ground to like clean and jerk it up overhead is that would definitely take some mass and some explosive power, but you can always also lift the couch up from the side until it’s vertical and then kind of like let it teeter and, fall on you in ah in a safe manner. And the lift itself, like once it’s up, it’s it’s as easy as like portaging a canoe. It’s not it’s not as heroic as it seems.Tim MacLeod — And I’m still reliant on other people. I am a one man show and it’s not, the money’s not good enough to pay an employee to sit in the car with me for four hours for 30 seconds of actual work. And so that’s one of my, one of my questions that I’m asking people, lift with two T’s on my phone expands into is anyone available to help me lift it? I’ll be alone. So I do need muscle.Tim MacLeod — And, um, if it’s in the garage, I can do it solo, like dragging a couch onto my trailer is easy enough. They slide very well. And I do have the dolly if there’s anything overly technical, like the pullouts, it’s nice to have a dolly. But yeah, a lot of the times there’s people, there’s someone there to help me lift it. And very, very rarely is it, sorry, I had back surgery or sorry, I’m a single senior lady or something like that. There’s usually, and even even when they say that, sometimes I’ll press a little further. Like, do you have a helpful neighbor? Rich Birch — Right. Meet us.Tim MacLeod — Do you have a son-in-law who can who could that I could coordinate with? Yep. And a lot of times I’m just handing it, or I’m squeezing them for a cell phone number of whoever the the muscle is. And now I’m on their schedule.Rich Birch — Yeah, that’s cool.Tim MacLeod — So solo lifts are not required, but they are, they are helpful sometimes, especially at the locker when I’m by myself.Rich Birch — So this is how many years you’ve been doing this full time? Like you, so you left nursing, you know, I know this goes way back to the beginning the story. You left nursing and then how many times, how many years you’ve been doing this?Tim MacLeod — July, 2019, I borrowed the trailer from my brother. And I did full-time nursing plus evening couches for about a year, pulled back from full-time to part-time, part-time to casual. And I think it was May, 2021. Like I did a year of COVID nursing and hated every second of it. Like as soon as COVID was announced, I wanted to be out of there, but I had mortgage approval on the brain and T4 income, or W2 income for the Americans, is much more preferred for lenders than self-employed income. So I held on for that reason. And eventually left just because I hated nursing. I was getting like ulcers on my ears from wearing masks all day. Just the the charades of COVID were really, really ruining it for me.Rich Birch — So we’re going I want to get to that, that help that you’re, you know, you’re offering, which is fantastic. But I want to think about like a person that, you know, they, we want people to stay in their jobs. We don’t want them necessarily to leave. And so ah somebody that wants to make maybe like an extra thousand bucks a month, maybe that’s like, which is, you know, to lots of people, that is like a, that’s a game changer. Like that’s like, that makes all the difference in the world.Rich Birch — Give me a sense of what you think that would take to actually get to that point where, okay, yes, I could, you know, how much time do you think they would need to invest? You know, what would, what is that going to look like? How many couches do you think I’d have to move? You know, I know that’s hard to say. It’s like all North America wide, but give us a sense of kind of the framework of for an extra thousand bucks a month, what would that look like for somebody? Maybe it’s like a youth pastor that’s that’s listening in or an executive pastor. Or and they’re like, Hey, if I just had an extra 1000 bucks that’d make a huge difference in my life. What what would that look like?Tim MacLeod — Sounds like five couches to me.Rich Birch — Five couches. Okay.Tim MacLeod — Buy them for 50, sell them for 250. Delivered. Yep. And that’s that’s a great way to start is just three-seaters. Just rinse and repeat. Three-seater, three-seater, three-seater. But the money is sets and sectionals. That’s where my focus is now.Rich Birch — Okay, okay.Tim MacLeod — Now that does require trailer privilege. But with a with a minivan, you can pick up a three seater. Most three seaters will fit inside a Dodge Caravan or an Odyssey or a Toyota Sienna. And that’s a really good way to start lean and mean with a U-Haul, enclosed trailer, you just need a V6 all wheel drive. So obviously preferred, especially if you have the kind of weather we do, but, um, yeah, for 45 bucks for a U-Haul enclosed, that’s, that’s insured so that you could get in an accident and you’re not paying for it. Always take the insurance. Always. It’s only like five bucks. Tim MacLeod — But um yeah, 45 bucks for 12 by 6. And then you can pick up couch, love seat twice. But yeah, just fill in those trailers. But yeah, starting lean with what you have available and scaling up when it’s smart. And once you’ve proven that it’s possible in your market as well. But everyone’s using couches, so I think it’s good alright.Rich Birch — Yeah, so five, so five couches. How many conversations do you think I’d have to get into take to buy five couches, maybe on that side first?Tim MacLeod — I think, yeah, with the numbers, I think that if you were to start 30 conversations a month, that there would be, there would be five people that hit deadlines and they’d be like, sure. 50 bucks. If you can actually show up, it’s yours.Rich Birch — Right. Right. That’s that feels very doable. That doesn’t feel like crazy out of reach. Like there’s no way that feels like a good, you know, a great starting point for sure.Tim MacLeod — And nobody wants to do it. The barrier for entry is, is ah high enough that it’s it’s basically a private little fishing pond. A lot of people to help.Rich Birch — Right. So let’s talk about, I want to, you’re going to help people, which is amazing. And so you’ve put together some resources to help them kind of get the the ball rolling on this front. And how do, first of all, tell us what it is and then talk to us about how we can get that contact information. We’ll put links and all that in the show notes, but talk us through this.Tim MacLeod — Yeah. So those scripts that I was talking about, um, I’ve made a Google doc that is available. All you got to do is comment scripts on any of my videos and, uh, my little robot Tim will fire over, um, just squeeze you for an email and then I’ll fire that over. And, uh, it’s a good little list and you can plug those in just copy and paste and plug them into keyboard shortcuts in your phone. And then you can use those. Tim MacLeod — And it doesn’t have to be for couches. Like a lot of them are pretty couch specific, but just using those as inspiration for starting conversations and getting people to their best price and making sure that you have all the information so you’re making an informed purchase and there’s not any surprises. And and you’ll see with the with the flow of the conversation, I really am just gifting the blueprint on getting people to their best price. Tim MacLeod — And yeah, and then in my in my bio on instagram I’ve also got the couch course and I’ve run that before as a high ticket offer um and I had help from an agency to, to get leads and all that stuff. And I didn’t like it cause I didn’t like how much people were having to pay in order for me to afford that team. And I just want it to be an impulse buy price range. Tim MacLeod — So for a one hundred bucks, you can come along on a three month ride along with me while I’m pulling like $15,000 months. And, uh, the summer that I recorded that, was 2023 and I did 180k in sales with a gross profit so just sales minus cost of goods was north of a 100k, I think, after tax. I think it was like an 80k a year income. Rich Birch — That’s amazing. Tim MacLeod — And I had a three-year-old with me the entire time. My wife had gone back to work and was using her teaching license and I had a little three-year-old tow. And I also got 75 rounds golf in that year. So it’s, it’s…Rich Birch — That just got some people’s attention. Yeah, that’s amazing.Tim MacLeod — Yeah. The time freedom is stupid. The money is incredible. And, uh, it was, yeah, that was a really, really fun year.Rich Birch — Love it. So what we want to do is send people to your Instagram. Would that be the best? So @thefulltimeflipper, @thefulltimeflipper. And again, you can just comment on any one of his videos.Rich Birch — Well, first of all, Tim’s a great follow on social media. I’ve said this to lots of folks. It’s just such a fun follow. You know, it makes something like flipping just like I was like, man, I think I could do that. And, but just comment scripts on any of those and we’ll get access to those scripts.Rich Birch — And then if you’ll find the link to tim-macleod.com on there as well, which takes you to the course, it’s only a hundred dollars friends. That’s worth your investment. It’ll, it’ll really literally outline. There’s a bunch we could have talked about today and there’s a bunch of details to get into. It will drive into all of those. Literally just take his approach and just do it. Like just, take his scripts, take the what he’s done and apply it. And you’ll for sure be able to find that extra thousand dollars a month or more, you know, down the road. So, yeah, I would love that. and Anywhere else we want to send them. So Instagram, @thefulltimeflipper, anything else about that?Tim MacLeod — Oh, that’s lots. That’s good. And I was feeling pretty pretty silly that I never asked to come on your podcast earlier because a lot of my students are in church ministry in the States. And I think it’s such a sweet side hustle.Tim MacLeod — For me, it was an escape from a job that I didn’t like. But the fact of that most people need supplementary income is pretty across the board and especially in ministry. And a lot of my students have um have had that background and are still in it. And a lot of the time, the people that are in church ministry have an advantage of storage where the church, like they’re like, oh, I got free storage at my church. Pastor said the back room is available. And he said, as long as I just keep a rotation of couches for the student ministry…Rich Birch — Oh, that’s a good call.Tim MacLeod — Yeah, there was a lot of advantage there for church leaders. But yeah, it’s awesome, reliable, supplementary income. And it’s nice to not rely on your ministry for income. Like people aren’t in ministry for the big bucks. They’re there because they that is their purpose. That’s their calling. But the pressure of having to rely on that for income isn’t always the best.Rich Birch — Well, and I do think, um you know, I think folks who are in church ministry, a part of what I why why I think this is great that we’re talking about this is you might underestimate that even like a part of your core, it’s like literally core to your business is like, be kind to people and like be helpful. Tim MacLeod — Yeah.Rich Birch — And, you know, you don’t need to be sleazy. You don’t need to be, ah you know, some sort of like, oh, you’re like a used car salesman of couches. No, that’s not what it is at all. You’re just being kind and helpful and you want to try to close this gap in the market. And and I think there’s a lot of people in ministry who are like, my I could totally do that. I can make that happen for sure. So, Tim, I really appreciate this.Tim MacLeod — It really does feel like stewarding my gifts, you know?Rich Birch — Yeah, that’s great. So again, that is, if you just go to Instagram, @thefulltimeflipper, you should follow them there and then comment scripts for any of those. Appreciate you being on the show today, sir. Thanks so much.Tim MacLeod — Thanks, man.

When new people find the Nutritional Therapy and Wellness Podcast, they ask, "Where do I start?" While we'd love for you to go back to the beginning and take them all in, this is for those who need a quick catch-up. We're doing a Rapid Replay Series of condensed episodes, including the most popular episodes according to streams and downloads, as well as a few of our team's personal favorites.  This episode is a condensed version of Episode 004: Bioindividuality - A Freedom You've Never Known. (Click ⁠HERE⁠ for the full, original version instead.) In this episode, host Jamie Belz, FNTP, MHC, explains what "bioindividuality" is and how it entails the understanding, acceptance, and embodiment of the truth. There is no "one-size-fits-all" cookie-cutter approach to health and well-being. Each person is unique and, accordingly, in their approach to and pursuit of optimal wellness. Jamie then walks you through:  1.) Finding a trusted health liaison 2.) Doing a personal audit/health audit using the prompts (below) 3.) Setting goals 4.) Making an action plan/determining action steps 5.) Documenting what you're doing and tracking your findings This episode offers an alternative approach to traditional "New Year's resolutions" and the endless pit of programs, packages, and purchases you can make in pursuit of your wellness goals. This is so simple, it sounds complicated. Don't let it be! Grab a pen and paper, hit PLAY, and get started.  _______________ Your Personal Health Inventory / Health Audit (Listen to the audio first) Areas of Consideration Prompts Health Physical Mental/Emotional Spiritual Relationships Spouse/Significant Other/Life Partner Children Parents Siblings Extended Family Friends Neighbors Coworkers/Colleagues/Professional Associates Children's Networks (Teachers, Coaches, Friends' Parents) Environment Home Clean-Tidy Clean-Toxic (Mold, Cleaners, Off-Gassing, Wildfires, etc.) Enjoyable Comfortable Safe Lonely Overwhelming Affordable Hard Work Work Neighborhood Community Digital Space Finances Stability Relationship with money Debt Income Assets Retirement Insurance Charitable giving/Generosity Ability to Provide Career As Employee Job - Satisfaction, Enjoyment, Feel Appreciated, Feel Challenged, Income, Stress, Hours, Coworkers, Supervisor, Purpose, Challenge, Longevity, etc. Confidence, Satisfaction, Quality of Life Impact, Financials, Progress, etc. Education Exercise Diet Sleep Stress Sex Time Management Confidence Physically, Intellectually, Life Stage/Progress/Accomplishments, Productively, Relationally, etc.   Points of Consideration/Questions (for everything!) What's going well? What's not? How does it impact my energy? Is it draining or energizing? Does this increase or decrease stress? What am I proud of? What do I need more of? Less of? How am I feeling about that? What brings me the most joy? What seems to come naturally? Do I still need some healing in that area? Why do I avoid that? How satisfied am I with my performance on that? Is something too time consuming? What's the ROI on that? What feels unsettled? Where and when do I feel welcome? Appreciated? Loved? Encouraged? What should I be doing? What should I stop doing? Where am I seeing patterns? Why does that prompt negative self-talk? Who is getting the best of me? Worst of me? Why does that subject draw anxiety? When do I feel most inspired? ...now replace the "what" with "WHO" in these. ____________________ Please remember to subscribe, leave a review, and connect with us! We appreciate you!  

In this episode of Public Health Entrepreneurs, Dr. Charlotte Huntley shares a practical, systematic approach to strategic planning that helps public health entrepreneurs achieve both meaningful impact and sustainable revenue. Drawing from over 25 years of experience in healthcare, public health, and entrepreneurship, Dr. Huntley breaks down how to move from scattered ideas to focused, actionable strategies. Listeners will learn how to reverse-engineer success, create outcome-driven frameworks, and maintain flexibility in planning, all while aligning mission-driven goals with financial growth. This episode empowers you to transform your strategic plan into a living, adaptable framework that guides decisions, strengthens sustainability, and maximizes your population health impact. Resources ▶️ Website https://PublicHealthEntrepreneurs.com ▶️ Stay connected. Subscribe to our email list

Most people think money fixes everything. It doesn't. It just exposes what you never defined in the first place. My recent conversation with Sharran Srivatsaa (Acquisition.com President) starts with a quiet tension: building something big while trying not to lose the people who matter most. Fatherhood. Money. Ambition. Guilt. All colliding at once. The truth is this: More income without a framework doesn't buy freedom. It buys anxiety with better branding. In this episode, we go deep on what actually works: • Why freezing your lifestyle is the real cheat code • The exact definition of financial freedom (no vibes, just math) • How to run a family P&L like a real business • Why most entrepreneurs are chasing income instead of equity • The parenting framework that removes guilt without quitting the mission • How to stop "working harder" and start diagnosing what's broken • The difference between growth and scale (and why confusing them keeps you stuck) Not with SMART goals. Not with KPIs. Not with OKRs or any of that MBA bullshit. But with simple rules, clear scoreboards, and decisions you can actually live with. One line hit hard: "If you don't know what 'enough' is, you'll never feel like you're winning." This isn't theory. It's lived experience. Five exits. 20+ years. Millions made (and millions lost). And a framework that now runs: the business the money and the family (without everything bleeding into everything else). If you're building fast but feeling off… If money keeps increasing but peace doesn't… If you're winning on paper but questioning the cost… This episode is for you. Watch it slowly, and take notes. Then decide what enough actually means for you.

If you're feeling stuck in your business (and/or your life), this episode is for YOU. Three years ago, Mel Statner was working 12 hours a day (and sometimes 16!), finding herself exhausted, doing work that drained her energy. In a nutshell, Mel was stuck. Fast forward to today, and Mel works a 3 day week, having also doubled her income. Not by working harder, but because she found some instruction manuals for her operating system (her brain). Mel changed how she thinks... how she makes decisions... and how she leads her life. She's no longer stuck - she's thriving. Jason and I have worked with Mel for several years now in the One Percent Club, and recently sat down with her to discuss her transformational journey.

Freebie 45 types of coaching Nurses can do for more freedom & fulfillment- https://www.heathercolledge.com/45-typesFIND US ONLINE: ►Website: https://www.heathercolledge.com/academy►Join our Facebook community: https://www.facebook.com/share/g/1FHuh9bJEV/►YouTube  www.youtube.com/@heathercolledgeClick the link to book a call about our ELITE Nurse to Coach Academy® https://form.typeform.com/to/RWxug5U5?typeform-source=2g9p4c4p08i.typeform.comRate, Review & FollowIf you love the show, please consider leaving a rating & review. This helps us support more Nurses & Coaches growing their businesses! Tap to rate with five stars and let us know what you loved most about the episode! Then, if you haven't done so already, follow the podcast for more!Disclaimer: Results mentioned may not be typical. Income mentioned is gross revenue. ELITE Nurse to Coach Academy® makes no guarantees related to income, success, increased revenue or projected sales. Results and income may differ from Client to Client and from what ELITE Nurse to Coach Academy® may experience. ELITE Nurse to Coach Academy® is not responsible for the earnings, success or failure of our Clients' businesses, the increase or decrease in finances or income level, or any other result of any kind that a Client may have as a result of engaging in our Program. Each Client is solely responsible for their own results. Clients in interviews have not been compensated and there is no conflict of interest.Support the show

In this Best Of episode of the Be Wealthy Podcast, Brett Tanner brings together the most impactful lessons, insights, and mindset shifts from recent episodes — all focused on what actually creates real wealth.This compilation covers defining wealth beyond money, long-term investing principles, pricing risk, creating freedom through intentional decisions, and building a life centered around experiences, ownership, and clarity. Brett shares powerful frameworks around investing, income growth, leverage, time, and personal responsibility — without hype or shortcuts.If you're serious about building wealth the right way, this episode delivers the core ideas that matter most — fast, practical, and timeless.

You have an enormous vision, mission and purpose. You've mastered your craft and achieved what most will never do in a lifetime this year - but you still know you're not operating at your highest potential and capability. You're ready to work at the edges of your potential and see what you're truly capable of. To operate as the limitless being you are. 2026 is not about hustling, pushing or proving (been there, done that) - it's about wealth expansion, embodied leadership, and impacting millions while doing your soul work. It's about using the power of the quantum, parallel realities and superconsciousness to access the CONSCIOUSNESS of your Godself timeline. It's about having it all without sacrifice and fear of one shoe falling.  In this episode, I break down what we are shifting to 10x our income in 2026 (and what we support clients with)  to shift your money identity, and step fully into your rich, magnetic era without burnout or force.We explore Superconscious Manifestation, wealth energetics, nervous system capacity, shadow integration,  devotion led creation, and the mindset required to hold bigger income, visibility, and impact in the year ahead.It's a fun episode, that will leave you activated and READY to make your soul vision a reality. Ready to go deeper? 

How do you take the savings you've built over a lifetime and turn it into reliable income you can count on year after year? That's a question I've been hearing more and more, and it makes sense, without a clear withdrawal strategy, retirees can unintentionally drain their accounts too quickly, trigger unnecessary taxes, or simply feel unsure about whether they're doing things the right way. Making the shift from accumulating money to actually using it can feel uncomfortable, and my goal is to help people approach that transition with clarity and confidence. In this episode, I break the process down into a straightforward framework that organizes your retirement savings into distinct buckets, each with its own purpose and timeline. I also reveal the too common situation where someone has paid far more in taxes than they needed to, all because of the order in which they pulled money from their accounts. With a little structure and thoughtful planning, you can create an income stream that supports your lifestyle, protects your long-term security, and still leaves room to enjoy the retirement you've worked so hard for. You will want to hear this episode if you are interested in... (0:00) Intro. (0:20) Sources of Income in Retirement. (4:22) Costly Withdrawal Mistakes. (10:10) The Spending Mindset Shift. (13:23) The Three-Bucket Method. (28:00) Adjusting Over Time. A Smarter Approach to Using Your Retirement Income Understanding how you'll draw income in retirement is every bit as important as building the savings itself. Social Security, pensions, part‑time earnings, and withdrawals from your investments all contribute to the picture, but the sequence and timing of those withdrawals can dramatically impact your long‑term results. Pulling too much from tax‑deferred accounts early on can trigger avoidable taxes, while leaning too heavily on a single source can limit your options later. I've met plenty of people who ended up paying far more in taxes than they needed to simply because they didn't have a coordinated withdrawal strategy. With a thoughtful plan, retirees can design their income in a way that reduces taxes, stretches their savings, and helps ensure their money lasts as long as they do. Retirement isn't just about accumulating enough, it's about managing it intentionally once you get there. Learning to Use Your Retirement A Shift from Saving to Spending For years, often decades, we're taught to save diligently, invest consistently, and grow our retirement nest egg. But when the moment finally arrives to start using that money, flipping from saver to spender isn't always as simple as it sounds. I've worked with plenty of retirees who hesitate to touch their accounts, even when they're in a strong financial position. Watching balances decline can feel unsettling, even though that's the very purpose of those savings. Some people even take Social Security earlier than ideal just to avoid withdrawing from their investments, a choice that can cost them significantly over time. Recognizing that spending down your savings is a normal, healthy part of retirement can make a world of difference. When people understand this shift, they're better equipped to make confident decisions, and to actually enjoy the retirement they spent a lifetime preparing for. Structure Retirement Withdrawals to create a Predictable Paycheck When it comes to turning savings into reliable income, I've found that simplicity is often the key. The three‑bucket approach helps retirees organize their money into short‑term cash, steady income‑producing investments, and long‑term growth assets. With this structure, you always know which bucket your income is coming from and when you'll need it. A dedicated income bucket makes withdrawals feel more like a predictable paycheck, while the growth bucket keeps your future needs covered. This setup helps prevent selling investments at the wrong time, keeps taxes in check, and gives retirees the confidence that their financial plan can support them for the long haul. Resources & People Mentioned 3 Steps to Retirement Planning Retirement Budgeting Tool 2025 Market Outlook from LPL Financial Episode 72: The Bucket Strategy BEST Withdrawal Strategy | Where Should You Pull Funds from First? I'm 60 Years Old with $1.8million saved. How long will my money last? Connect With Gregg Gonzalez Email at: Gregg.gonzalez@lpl.com Podcast: https://RetirementMadeEasyPodcast.com Website: https://StLouisFinancialAdvisor.com Follow Gregg on LinkedIn Follow Gregg on Facebook Follow Gregg on YouTube Subscribe to Retirement Made Easy On Apple Podcasts, Spotify, Google Podcasts

HOW TO START SPENDING CONFIDENTLY IN RETIREMENT FROM BALTIMORE WASHINGTON FINANCIAL ADVISORS Tyler Kluge | CFP®, CPWA®, CDFA®, CEPS Financial Planner, BWFA Tessa Hall Media and Communications Specialist, BWFA About This Episode Moving from saving money to spending it in retirement can feel uncomfortable and unfamiliar. Learn why this transition is often emotionally challenging and how thoughtful planning can help you spend with greater confidence and peace of mind. Full Description For many retirees, the shift from saving money to spending it can be one of the most challenging parts of retirement. After decades of building assets, drawing from those savings often feels unnatural, even when the plan supports it. In this episode of Healthy, Wealthy & Wise, the discussion explores how to navigate the transition from saving to spending in retirement. Listeners will learn why this shift can feel emotionally difficult and how thoughtful planning helps ease the adjustment. The episode explains how retirement spending differs from working years. Income sources change, spending patterns evolve, and decisions often require more intention. Understanding how and when to use savings is critical for maintaining confidence throughout retirement. The conversation also addresses common concerns, such as fear of running out of money and uncertainty around market conditions. Listeners gain insight into how planning strategies can provide structure while allowing flexibility as needs change over time. Rather than focusing on rigid rules, the episode emphasizes aligning spending with personal priorities and long-term goals. Retirement spending should support the life you want to live, not create ongoing stress or hesitation. At BWFA, we help retirees develop income strategies designed to support both lifestyle and longevity. This episode offers perspective for anyone approaching retirement or already adjusting to life after full-time work. To learn more about retirement planning strategies, visit BWFA's Financial Planning Services.

Welcome to The Game w/Alex Hormozi, hosted by entrepreneur, founder, investor, author, public speaker, and content creator Alex Hormozi. On this podcast, you'll hear how to get more customers, make more profit per customer, how to keep them longer, and the many failures and lessons Alex has learned and will learn on his path from $100M to $1B in net worth.Wanna scale your business? ⁠⁠Click here.⁠⁠Follow Alex Hormozi's Socials:⁠⁠LinkedIn ⁠⁠ | ⁠⁠Instagram⁠⁠ | ⁠⁠Facebook⁠⁠ | ⁠⁠YouTube ⁠⁠ | ⁠⁠Twitter⁠⁠ | ⁠⁠Acquisition ⁠

I just love doing podcasts- my own and appearing on others. Here's my appearance on Heavy Metal Money with Chris Luger.   Chris has been on my podcast as well on episode 36. Here's all his info from that episode… I recently met Chris Luger at the very first Unconference in Sarasota FL. The dude looked like my kind of guy- energetic, bald, full of energy. At the conference we got the chance to talk a little about real estate, money, and a shared interest in several heavy metal bands. I wanted to continue that conversation more and really dig into who he is. Man, the levels to this guy run so deep, including commercial realty and a charity he runs that I didn't even know about. Find Chris at… Heavy Metal Money- https://heavymetal.money/  The Luger Foundation- https://www.thelugerfoundation.org/  Merch- https://www.screamingbeaver.shop/   Chris' Resources: Atomic Habits by James Clear- https://amzn.to/4jm5DoB  No Excuses by Brian Tracy- https://amzn.to/3YNJmrw  Secrets of the Millionaire Mind by T Harv Eker- https://amzn.to/3EDt9OW  Best Starter Heavy Metal- AC/DC Back in Black https://amzn.to/4cPsUNh    Things mentioned in the show: QBQ- https://amzn.to/4cQaLz1  Mr. Money Mustache- https://amzn.to/3GnbueK  Dave Ramsey- https://amzn.to/42MB70k  --- 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

You already have everything you need to create a high-income offer. In this bonus episode of the Rich Woman Reset, Karen Yankovich shows you how to turn your career experience, lived wisdom, and natural brilliance into a high-value offer — without starting over, adding another certification, or building a side hustle. This episode is for women who have spent years mastering their craft and are ready to be well paid for what they already know. You'll learn why high-income offers are not built from perfection, but from pattern recognition — and how to package your expertise in a way that attracts aligned, premium clients.   In this episode, we explore: Why women often wait too long to charge what they're worth How to identify the expertise you've been using for years (without realizing it) The Rich Woman Offer Formula: expertise, outcome, process, identity, and visibility Why confidence and identity dramatically increase the perceived value of your offer Real examples of turning experience into consulting, advisory, and VIP-style offers This is not about hustle. It's about alignment, clarity, and stepping into the identity of a woman who knows her value. If you're feeling the pull to finally claim the offer you've been carrying for years, this episode will help you see what's possible — and what's already within reach.   Resources Mentioned In The Episode: Learn more about The Visibility Salon: https://visibilitysalon.com Catch the full Rich Woman Reset playlist: https://karenyankovich.com/richwomanreset Check out The Glow Up Audio Experience: https://www.KarenYankovich.com/glowup    Help Us Spread The Word! It would be awesome if you shared the Good Girls Get Rich Podcast with your fellow entrepreneurs on Twitter. Click here to tweet some love! If this episode has taught you just one thing, I would love if you could head on over to Apple Podcasts and SUBSCRIBE TO THE SHOW! And if you're moved to, kindly leave us a rating and review. Maybe you'll get a shout out on the show!   Ways to Subscribe to Good Girls Get Rich: Click here to subscribe via Apple Podcasts Click here to subscribe via PlayerFM Good Girls Get Rich is also on Spotify Take a listen on Podcast Addict

Turning the calendar doesn't reset your nervous system. All the vision boards in the world won't rearrange your limiting beliefs about money. So what about the money? In this final episode of 2025, I'm getting vulnerable about the money fears that keep women entrepreneurs stuck financially—including my own. You'll hear exactly what happened when I confronted my hidden fear: "If I become truly wealthy, will people think I'm a bad person?" The truth? You can only earn at the speed of safety. When your nervous system feels unsafe, you physically cannot show up at the level required to grow your business. This isn't about resolutions. This is about transformation. And it starts here.   What You'll Learn - Why your nervous system determines your income - The Money Fear Framework (3 steps to address blocks) - How to calm your nervous system in minutes - Real client story: dissolving fear around $10K/month goal - The tool I used to manifest my life partner—now applied to wealth - What to do when new income levels trigger your nervous system - Why your gifts were meant to support you financially   FREE NEW YEAR'S DAY WORKSHOP:  Join me for "But What About the Money?"- a live workshop where we'll: Look at what needs to shift for you to make more money in 2026 Identify what you're actually afraid of around expansion Learn practical nervous system regulation tools Get coached directly on your specific money blocks   Ready to start 2026 with clarity, courage, and financial alignment? Register here: [INSERT WORKSHOP LINK]   RESOURCES MENTIONED: - Effortless Sales: https://sarahwalton.com/effortless-sales - The Abundance Academy: https://sarahwalton.com/abundance-academy - Freedom Calculator: https://sarahwalton.com/freedom   RELATED EPISODES YOU MIGHT LOVE: - Episode 263: How Your Nervous System Shapes Your Money Habits with Stephanie Crochet - https://sarahwalton.com/nervous-system-regulation/ - Episode 197: Money Beliefs That Hold You Back from Making More - https://sarahwalton.com/money-beliefs/ - Episode 98: "You Shouldn't Charge for What You Do." Um, WHAT? - https://sarahwalton.com/shouldnt-charge/    CONNECT WITH SARAH: Website: https://sarahwalton.com/podcast  YouTube: https://www.youtube.com/@TheSarahWalton Instagram: @thesarahwalton   This isn't about motivation that fades by January 3rd. This is about an inside-out transformation that creates lasting change.   From my heart to yours, from my family to yours: Happy New Year!   Whether you're brand new to the Game On Girlfriend® podcast or you've been listening for years—welcome. This episode will help you understand why internal transformation matters more than motivation when it comes to building wealth.   **About Sarah Walton:** Sarah Walton is a business coach, podcast host, and mentor who helps women entrepreneurs build businesses they love. She's the creator of the Abundance Academy, Effortless Sales, and the Game On Girlfriend® podcast. Sarah's mission is to put more money in the hands of more women while teaching authentic, heart-centered business strategies.   Thank you so much for listening. I'm honored that you're here, and I'd be grateful if you could leave a quick review on Apple Podcasts by clicking here, scrolling to the bottom, and clicking "Write a review." Then, we'll get to inspire even more people! (If you're not sure how to leave a review, you can watch this quick tutorial.)  

Chad Hyams and Bob Stewart delve into the psychology of saving versus investing, discussing how early money beliefs shape financial mindsets. They explore personal stories and lessons learned about money, offering insights into shifting from a saver mentality to an investor mindset. Highlighting the importance of mindset changes, they encourage listeners to reevaluate their financial habits using actionable steps such as prioritizing investments and seeking guidance. The episode emphasizes making informed financial decisions and the impact of these choices on future generations, encouraging a focus on learning and growth in financial literacy. ---------- Connect with the hosts: •    Ben Kinney: https://www.BenKinney.com/ •    Bob Stewart: https://www.linkedin.com/in/activebob •    Chad Hyams: https://ChadHyams.com/ •    Book one of our co-hosts for your next event: https://WinMakeGive.com/speakers/   More ways to connect: •    Join our Facebook group at www.facebook.com/groups/winmakegive •     Sign up for our weekly newsletter: https://WinMakeGive.com/sign-up •     Explore the Win Make Give Podcast Network: https://WinMakeGive.com/   Part of the Win Make Give Podcast Network

In this powerful episode of the Black Entrepreneur Blueprint, Jay Jones breaks down the single most important focus for entrepreneurs in 2026 — mastering artificial intelligence as a growth engine. You'll discover: What AI really means for entrepreneurs (beyond the hype) Why ignoring it will put you behind your competitors faster than ever How to start using AI right now to get more customers, reduce costs, and scale with less stress If you're serious about winning in 2026 and beyond, this episode is your wake-up call. Those who leverage AI will lead. Those who don't… will get left behind. Tune in now.

A New Year, A New Financial BlueprintWhat if the new year wasn't about resolutions—but about real financial positioning?As we step into a new year, this episode challenges the idea that retirement is tied to age and introduces a smarter way to think about income, protection, and legacy. Financial strategist Shateka Husser joins the show to break down how early planning, disciplined structure, and education can help families build tax-efficient income and long-term security—starting now, not decades from now.This is a timely New Year conversation about resetting your mindset, reclaiming control of your finances, and committing to legacy building in the year ahead. If you've been relying solely on your 401k or Social Security, this conversation is a wake-up call to the "unconventional wisdom" used by the wealthy to build legacies that last.Key Takeaways[04:21] The Social Security Myth: Why relying on government systems is a risk and how to close the "60% income gap" that most W-2 employees face at retirement.[09:47] The Tax Code Trap: Understanding why traditional accounts (401k, 403b, IRA) are written for the employer, not the employee, and how to pivot to IRS Code 7702.[10:48] Be Your Own Bank: A deep dive into the Infinite Banking Concept and how permanent cash value policies allow you to "eat the cookies and still have them grow."[15:15] Living Benefits vs. Death Benefits: Why you need a policy you can use while you're alive to pay off debt and fund investments like real estate or business ventures.[20:31] The "HIT" List: The three major termites that destroy retirement: Healthcare, Inflation, and Taxes—and how to protect your portfolio against them.[28:16] Retirement is an Income, Not an Age: Why Shateka advises against quitting your job too early and how to use your 9-to-5 as a "sponsor" for your ultimate freedom.Legacy Moment TakeawaysLegacy starts with structure, not age. Waiting until retirement age delays the opportunity to build income, protection, and options for the next generation.Connect with Shateka:Website: Shateka.comEmail: info@shatekahusser.comInstagram: https://www.instagram.com/shatekahusserofficial/?hl=enConnect with Corwyn:Contact Number: 843-619-3005Instagram:⁠ https://www.instagram.com/exitstrategiesradioshow/⁠FB Page:⁠ https://www.facebook.com/exitstrategiessc/⁠Youtube:⁠ https://www.youtube.com/channel/UCxoSuynJd5c4qQ_eDXLJaZA⁠Website:⁠ https://www.exitstrategiesradioshow.com⁠Linkedin:⁠ https://www.linkedin.com/in/cmelette/⁠Shoutout to our Sponsor: Mellifund Capital, LLCNeed funding for your next real estate flip or build? MelliFund Capital makes it fast, flexible, and investor-friendly. Visit MelliFundCapital.com and fund your future today. Again, that's MelliFundCapital.com, M-E-L-L-I-L-U-N-D, Capital.com.

The Couple With $8.5 Million… and One Salad “Bruce, I'm afraid we're going to run out of money.” He had over $8.5 million across different accounts. They were in their early 70s. On paper, they were far ahead of where most people ever get. https://www.youtube.com/live/L4phmdaJydw But his fear was so real that when they went out to dinner, his wife shared a salad instead of ordering her own—because he was afraid they “couldn't afford” it. This is what we see over and over again. People obsess over the question “how much do I need to retire?”They chase a number.They hit that number—or get close to it.And still feel anxious, fragile, and uncertain. The problem isn't just the money.The problem is the model. The Couple With $8.5 Million… and One SaladWhy “How Much Do I Need to Retire?” Is the Wrong First QuestionHow Much Do I Need to Retire? Why That Question Is MisleadingRetirement Cash Flow vs Nest Egg: What You Really NeedSequence of Return Risk in Retirement: Why Timing Matters More Than AveragesBuilding a Retirement Buffer Account to Protect Your PortfolioHow a buffer account protects your retirement portfolio:The LIFE Acronym for Retirement Planning: Liquid, Income, Flexible, EstateProblems With Traditional Retirement Planning and the 4 Percent RuleRedefining Retirement: Gradual Retirement vs Traditional “Out of Service”Cash-Flowing Assets and Alternative Investments for Retirement Cash FlowUsing Whole Life Insurance in Retirement for Guarantees and FlexibilityHow Much Do I Need to Retire? Rethinking the Real QuestionListen to the Full Episode on How Much Do I Need to RetireBook A Strategy CallFAQ: How Much Do I Need to Retire?How much do I need to retire comfortably?How do I know if I have enough to retire?What is sequence of return risk in retirement?What is a retirement buffer account?Is whole life insurance good for retirement income?How can I create guaranteed income in retirement without a pension?How much income do I need in retirement each month?How can my retirement plan serve future generations? Why “How Much Do I Need to Retire?” Is the Wrong First Question If you've ever typed how much do I need to retire or how much money do I need to retire into Google, you're not alone. The financial industry has trained us to believe that the right “number” equals security. But that question is incomplete. It ignores: How long you'll live How much you'll actually spend How many emergencies will show up What taxes and inflation will do What sequence of returns your investments will experience In this article, Bruce and I will help you: Understand why “how much do I need to retire” is the wrong question to start with See the difference between retirement cash flow vs nest egg Grasp sequence of return risk in retirement with simple examples Learn how a retirement buffer account can protect you Use the LIFE acronym for retirement planning (Liquid, Income, Flexible, Estate) Explore cash flowing assets, alternative investments, and whole life insurance in retirement Rethink retirement itself—from an “out of service” event to a purposeful, gradual transition My goal is to empower you to take control of your financial life with clarity, not fear. How Much Do I Need to Retire? Why That Question Is Misleading The classic commercial asked, “What's your number?” People walked around carrying a big orange figure that supposedly represented what they needed to retire. Here's the problem: That number assumes: A set rate of return A set withdrawal rate No major disruptions And that you won't touch your principal But real life is not a straight-line projection. When you ask how much do I need to retire, you're usually really asking: “How can I have enough cash flow for as long as I'm alive, without living in fear?” The issue is not just how much you have—it's how that wealth behaves under stress and how it converts into dependable income. Retirement Cash Flow vs Nest Egg: What You Really Need Traditional planning focuses on accumulation: “If I can just get to $X million, I'll be fine.” But what you actually live on is cash flow, not the size of your account statement. You need to know: How much income do I need in retirement each month? Which part of that income is guaranteed and which part is variable How that income will behave if markets drop or inflation spikes If you have $2 million but no idea how to turn that into reliable, sustainable cash flow, you will feel fragile. If you have a mix of guaranteed income in retirement plus flexible cash flowing assets, even a smaller nest egg can feel much more secure. The question isn't just how much money do I need to retire, but how do I design cash flow that will last? Sequence of Return Risk in Retirement: Why Timing Matters More Than Averages The industry loves to tell you that “the market averages 10% over time.” That's nice trivia—but it's not how your life works. If you're accumulating, you can ride out the ups and downs.If you're retired and pulling money out, the sequence of returns can make or break you. Here's a simple illustration: Start with $100,000 Year 1: -20% → now you have $80,000 Year 2: +20% → now you have $96,000 The average return is 0% (-20 + 20 / 2).But your actual money is down $4,000. Now imagine that on top of the losses, you're pulling out 4–6% per year to live. Suddenly, the portfolio has to recover the market loss and everything you withdrew. That's sequence of return risk explained with examples—and why relying solely on averages is dangerous. Building a Retirement Buffer Account to Protect Your Portfolio One of the most powerful ways to address sequence of return risk in retirement is using a retirement buffer account. The idea is simple: When markets are down, you do not take distributions from your volatile assets. Instead, you live off a separate, safe buffer of liquid capital. This buffer could be: Cash in the bank CDs or other stable vehicles Cash value in a well-designed whole life insurance policy How a buffer account protects your retirement portfolio: It gives your market-based assets time to recover It reduces the risk of selling low during downturns It lowers emotional stress when headlines scream “market crash” You're no longer forced to sell when everything is on sale. The LIFE Acronym for Retirement Planning: Liquid, Income, Flexible, Estate To make this practical, we often walk clients through the LIFE acronym for retirement planning: L – LiquidHow much “15-minute money” do you need to feel comfortable? This is money you can access quickly for emergencies or peace of mind—not dependent on your cash flow plan. I – IncomeHow much income do you need each month? How much of that would you like guaranteed? This is where retirement income planning really happens. F – FlexibleThis is liquid money that's not earmarked for emergencies or core living expenses. It's for things like trips, special projects, and helping kids or grandkids. It's the “I can do this without stress” bucket. E – EstateHow much do you want to leave behind, and in what form? This is where how to make your retirement plan serve future generations becomes part of the design. A well-designed mix of cash, whole life insurance, and other assets can touch every part of LIFE: Liquid, Income, Flexible, and Estate. Problems With Traditional Retirement Planning and the 4 Percent Rule Traditional planning often rests on: A withdrawal rule (4% or 5%) Market-based portfolios Historical averages and Monte Carlo simulations But as Bruce mentioned: A 100-year average doesn't matter if you're retired for 20 years Inflation erodes real purchasing power Market volatility plus withdrawals increase fragility Focusing only on accumulation creates emotional anxiety This is why cash flow vs accumulation in retirement planning is such an important shift. When you're not dependent on markets going up every year just so you can eat, your whole experience of retirement changes. Redefining Retirement: Gradual Retirement vs Traditional “Out of Service” Nelson Nash used to remind us: Retirement, by definition, means “taken out of service.” Most of us don't want to be taken out of service; we want to stay useful, engaged, and purposeful. Instead of a hard stop at 65, consider redefining retirement as a gradual retirement vs traditional retirement: Negotiating part-time work or consulting Reducing hours instead of walking away completely Staying in the game mentally, physically, and relationally We've seen engineers move to 10 hours a week, seasoned professionals mentor younger staff, and business owners step back from daily operations while still contributing. Purposeful work, even part-time, can: Supplement your retirement income Reduce pressure on your portfolio Keep you sharp and connected Retirement doesn't have to mean being benched. Cash-Flowing Assets and Alternative Investments for Retirement Cash Flow Another powerful way to support retirement is shifting some focus from growth-only assets to cash flowing assets for retirement. Examples include: Dividend-paying stocks Real estate (direct ownership or funds) Private lending Certain alternative investments for retirement For accredited investors, there are a variety of alternative investments for retirement cash flow: Multifamily apartment funds Industrial and distribution center funds Certain energy or infrastructure programs Technology and telecom infrastructure (like tower or data assets) These are not guaranteed and require careful due diligence, but they're often backed by real underlying assets and designed with yield in mind.

Quote of the Day: “You can have more than you have got, because you can become more than you are. Unless you change how you are, you will always have what you got. Income doesn't far exceed Personal Development, so you have got to learn how to work harder on yourself than you do on your job.” - Jim RohnAudio Source: https://youtu.be/ZwpAsl6SaCM?si=8kk41FA06giQXCMd If you enjoyed today's episode: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Leave a review on Apple Podcasts⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Support via Patreon⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Check Out My Business Adventures Podcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Join the Upcoming Newsletter

In this conversation, Chris Thomas discusses the concept of wage slavery, emphasizing that many Americans are not financially struggling due to laziness but rather due to systemic issues that keep them dependent on their jobs. He highlights the disparity between income and the rising costs of living, arguing that true freedom comes from financial literacy, ownership, and strategic planning. Thomas outlines a path to financial freedom that includes expanding skills, reducing expenses, and converting income into assets.Connect with Us!Join our Tempo Communityhttps://www.facebook.com/groups/pacesetnetwork/?ref=share_group_linkRegister for EMP Family Biblical Sessions (Free)www.paceset.org 

Bevel: Try one month for FREE at https://www.bevel.health and use code ICED! Cozy Earth: Luxury bedding & loungewear - use code ICH for up to 40% off at https://cozyearth.com Helium Mobile: Sign up (even for the FREE plan) & get $10 in Cloud Points with code COFFEE: https://app.heliummobile.com/o6WA/4jq Shopify: Sign up for a $1 per month trial period at https://shopify.com/ich Follow Clavicular Here: On Instagram - https://www.instagram.com/clavicular0/?hl=en On TikTok - https://www.tiktok.com/@kingclavicular On X - https://x.com/Clavicular0?lang=en Add us on Instagram: https://www.instagram.com/jlsselby https://www.instagram.com/gpstephan Apply for The Index Membership: https://entertheindex.com/ Official Clips Channel: https://www.youtube.com/channel/UCeBQ24VfikOriqSdKtomh0w For sponsorships or business inquiries reach out to: tmatsradio@gmail.com For Podcast Inquiries, please DM @icedcoffeehour on Instagram! Timestamps: 00:00:00 - Intro 00:01:56 - Platforms he's banned from 00:03:18 - Why people think looks don't matter 00:03:55 - His most vs least attractive features 00:05:33 - Why he started looksmaxxing 00:09:46 - His end goal 00:11:55 - Intelligence maxxing 00:13:02 - What to do after reaching your goal 00:19:55 - Sponsor - Bevel Health 00:23:14 - Achieving maximum physical attractiveness 00:24:07 - The halo effect 00:25:28 - When his looks will peak 00:28:21 - Risks of cosmetic procedures 00:35:18 - “Pills” and “maxxing” terminology 00:37:27 - What “subhuman” means 00:39:15 - Sponsor - Cozy Earth 00:40:48 - Why he became so popular 00:49:28 - Things he would NOT recommend 00:50:30 - What's considered “too far” 00:51:52 - Soft maxxing explained 00:53:13 - Workout for Ideal physique 00:54:16 - Looksmaxxing advice for Jack and Graham 01:00:31 - Thoughts on Botox 01:02:48 - Injection controversy 01:03:40 - Sponsor - Helium 01:05:01 - Sponsor - Shopify 01:06:26 - Greg Doucette questions 01:10:15 - Thoughts on Greg Doucette and Togi 01:12:46 - How much clothing affects looks 01:16:33 - Is the goal status-related? 01:19:56 - Worst mistakes men make 01:20:59 - Is he misunderstood? 01:21:48 - Valid criticism 01:23:09 - Monotone on podcasts vs streams 01:24:09 - What is bonesmashing? 01:26:02 - Has he gone to therapy? 01:28:56 - Status vs money vs looks 01:29:41 - Is he good with women? 01:32:22 - Morality of what he promotes 01:32:50 - Has he ever been in love? 01:39:11 - Last time he felt sadness 01:40:17 - Biggest insecurity 01:41:59 - Should men cry? 01:42:56 - Advice on life maxxing 01:44:33 - Income and revenue streams 01:48:18 - Tier list *Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Learn more about your ad choices. Visit podcastchoices.com/adchoices

AI has kicked open the gates of creative expression, letting millions make art, music, and images who never had the chance before. But for working artists, the story gets more complicated.In this episode, we walk the tightrope between empowerment and erosion—between celebrating access and acknowledging loss.Because for every person finding their voice, there's someone losing a paycheck.

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#673: Welcome to Greatest Hits Week – five days, five episodes from our vault, spelling out F-I-I-R-E. Today's second letter I stands for Investing. This episode originally aired in April 2022, but the framework remains one of the most practical guides we've shared for building wealth at any age. Nick Maggiulli joins us to reveal why most young investors obsess over the wrong metrics — and shares his Save-Invest Continuum that shows exactly when your savings beat your investment returns, and when that changes.  _____ When Nick Maggiulli was in his twenties, he spent countless hours obsessing over his investment portfolio – tweaking his asset allocation, running net worth projections, and building complex spreadsheets.  Meanwhile, he was blowing $100 every weekend partying in San Francisco. It took him years to realize the absurdity. His annual investment returns on his tiny $1,000 portfolio might earn him $100 – the same amount he'd spend in a single night out. Maggiulli joins us to explain why young investors focus on the wrong things and shares his framework for knowing when to prioritize saving versus investing.  He introduces the Save-Invest Continuum, which compares your expected annual savings against your expected investment returns.  When you're starting out, your ability to save dwarfs any investment gains. A $6,000 annual savings capacity beats a $100 investment return every time. We discuss the math behind saving 50 percent of future raises, not for guilt or deprivation, but to maintain lifestyle balance while building wealth.  This rule applies only to real raises above inflation. If you get a 3 percent raise during 3 percent inflation, you haven't actually gotten ahead. The conversation turns to unconventional income-producing assets. Beyond stocks and bonds, Maggiulli explores farmland investing, which offers returns uncorrelated with traditional markets.  He shares the story of someone who bought the royalty rights to Jay-Z and Alicia Keys' "Empire State of Mind" for $190,000. The song earned $32,733 in royalties the previous year — an 11 percent return if that income stays constant. We examine why 85 to 90 percent of your portfolio should generate income through dividends, rent, interest, or business profits.  Maggiulli keeps his speculative investments — cryptocurrency, art, and individual stocks — under 10 percent of his net worth. He admits his two individual stock picks are down 60 to 70 percent, proving his own point about avoiding stock picking. The episode reveals that time remains your most important asset. Warren Buffett would likely trade his entire fortune — and go into debt — to be 35 again.  This perspective shapes every financial decision, from choosing income strategies to deciding between assets that merely appreciate versus those that pay you while you sleep. Timestamps: Note: Timestamps will vary on individual listening devices based on dynamic advertising run times. The provided timestamps are approximate and may be several minutes off due to changing ad lengths. (00:00) Nick's mistake of obsessing over investments while partying away returns (05:31) The Save-Invest Continuum explained (08:11) When savings matter more than investment returns (12:31) Focusing on both saving and investing in midlife (13:11) Crossover point: when investment returns exceed spending (14:11) The 2X Rule for guilt-free spending (15:31) Save 50 percent of future raises (20:41) Five ways to increase income (26:31) Selling time versus selling skills (28:11) Teaching and creating products for income (30:11) Climbing the corporate ladder (31:11) Converting human capital to financial capital (32:31) Income-producing versus speculative assets (36:11) Individual stocks and cryptocurrency allocation (43:51) Farmland investing basics (45:31) Royalty investing example (49:31) Art and non-income producing assets (51:11) Inflation and debt strategies Learn more about your ad choices. Visit podcastchoices.com/adchoices

In this episode of The Chicks on the Right Podcast, we sit down with Zach Abraham of Bulwark Capital Management to talk all things AI — from ChatGPT and Gemini to how AI is transforming finance, investing, and even healthcare. Zach shares how he's using AI to analyze stocks, research funds, and save hours of work, while discussing the limitations, risks, and security concerns that come with this rapidly evolving technology.We also dig into the big picture: should we embrace AI like the internet 25 years ago, or fear its potential? Tune in for a thought-provoking, funny, and practical conversation about the tools that are shaping our future — and how to use them to your advantage.Get back to basics with Bulwark's Know Your Risk Portfolio Review—don't put it off, go to https://KnowYourRiskPodcast.com today.Subscribe and stay tuned for new episodes every weekday!Follow us here for more daily clips, updates, and commentary:YoutubeFacebookInstagramTikTokXLocalsMore Info

#671: Welcome to Greatest Hits Week — five days, five episodes from our vault, spelling out F-I-I-R-E. Today's letter F stands for Financial Psychology. And we're diving deep with a conversation that changed how thousands of our listeners think about money. This episode originally aired in November 2022, but the insights feel more relevant than ever. Dr. Daniel Crosby reveals why your brain is your portfolio's worst enemy — and what you can do about it. ______ Money is the number one stressor in American lives. Every single year. Without exception. That's what Dr. Daniel Crosby discovered when he looked at decades of research from the American Psychological Association. In this rerun episode from our Greatest Hits Vault, Crosby joins us to reveal why your brain sabotages your investment decisions. He's both a clinical psychologist and behavioral finance expert. His findings will change how you think about money. Your body hijacks your financial judgment in strange ways. For example: People who need to pee become more risk-averse investors. It's called inhibitory spillover. When you're controlling your bladder, you also restrict your financial decisions. Here's another one: judges give harsher sentences when they're hungry. Thousands of court decisions prove it. The best predictor of whether you get jail time? When the judge last ate. We explore four behavioral risks that destroy wealth: ego, conservatism, attention, and emotion. Crosby shares data that stock pickers rarely hear: 74 percent of individual stocks have a lifetime expected return of zero. Three out of four companies eventually go bankrupt. Yet people keep betting on single stocks, dreaming they'll find the next Apple. Value investors suffer from depression and social isolation. Why? Because contrarian investing fights our deepest evolutionary wiring. Humans survived through cooperation. It's literally our only advantage over other animals. Bears have claws. Turtles have shells. We have teamwork. Crosby shares the Ash experiment, which shows how peer pressure warps reality. When nine people give the wrong answer about line lengths, three-quarters of participants follow along. New brain scans reveal something darker: social pressure physically changes how people see the lines. Their perception actually shifts. We discuss solutions through Crosby's "three E's": education, environment, and encouragement. Reading about biases won't fix them. You need systems and people. One powerful study: people who saw their children's photo for five seconds before banking saved twice as much money. The conversation reveals that money problems don't disappear with wealth. They just change form. Timestamps: Note: Timestamps will vary on individual listening devices based on dynamic advertising run times. The provided timestamps are approximate and may be several minutes off due to changing ad lengths. (00:00) Finance as America's top stressor (02:33) Psychology moving from brokenness to wellness (04:33) Money touches every part of life (07:33) Income plateaus and happiness (10:13) How hunger affects financial decisions (13:38) We're wired wrong for investing (17:28) Laziness and cognitive shortcuts (23:43) Cooperation as human survival trait (26:43) Four behavioral risks (32:13) Ego and overconfidence (37:48) Conservatism and familiarity bias (46:38) Three E's of behavior change (50:23) Attention risk and probability (54:48) Emotion derails decisions (58:28) When fear helps versus hurts Learn more about your ad choices. Visit podcastchoices.com/adchoices