Podcasts about Income

In this episode of The Smart Real Estate Coach Podcast, I sit down with Joe Fulvio of CAMA Plan, a leading firm in self-directed retirement accounts. Joe brings decades of experience in strategic marketing and distribution across multiple industries and now helps investors use self-directed IRAs and 401(k)s to unlock new opportunities.   We break down what “true self-direction” really means, how real estate behaves differently inside versus outside an IRA, and the mistakes investors need to avoid to stay compliant. Joe also shares real-world examples of unusual assets you can hold in a retirement account—from dump trucks to coffee plantations—and why due diligence is everything when you step outside traditional stocks and bonds.   If you're curious about using retirement funds to build long-term wealth, this conversation will open your eyes to strategies you can start using right now.   Key Talking Points of the Episode   00:00 Introduction 01:25 Meet Joe Fulvio: CAMA Plan's liaison for private equity, lending, and venture capital 02:45 What “true” self-directed investing is and why brokerages aren't offering it 04:08 Comparing real estate inside vs. outside an IRA 05:21 The rules around self-dealing and why you can't move your own properties into an IRA 06:12 Exotic assets: crypto, fine art through LLCs, coffee plantations, and international property 07:05 Using a checkbook LLC for flexibility in auctions and fast-moving deals 10:31 Common mistakes: lack of due diligence, mixing personal and IRA funds, and self-dealing 13:10 How CAMA Plan differs from competitors: 20 years of experience, accessibility, and responsiveness 14:30 Self-directed accounts as a “utility knife”: 20 creative ways to fund deals 15:30 How to reach Joe and CAMA Plan before or during the Wicked Smart live event   Quotables   “The list of things you can't invest in is about six items long. We handle everything else.”   “Self-direction means you're in control. You do the work, you do the due diligence.”   “You can control a lot of real estate inside an IRA with very little out of pocket.”   Links   CAMA Plan https://camaplan.com Joe Fulvio (215) 283-2868 engage@camaplan.com   QLS Live + QLS 4.0 at $199 smartrealestatecoach.com/qlspodcast    Just QLS 4.0 at ½ off smartrealestatecoach.com/qls  Coupon code: pod   Apprentice Program 3paydaysapprentice.com Coupon code: Podcast   Masterclass smartrealestatecoach.com/masterspodcast   Wicked Smart Books wickedsmartbooks.com/podcast   Strategy Session smartrealestatecoach.com/actionpodcast   Partners smartrealestatecoach.com/podcastresources

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Anthony Camacho was this week's guest on Success Profiles Radio. He is a sales and fitness expert and advocates that physical well-being directly impacts business growth. He is a seven-time pro qualifier in the IFBB and a certified sales coach who works directly with entrepreneurs running startups and multimillion-dollar enterprises. We discussed the correlation between physical fitness and career success, how being fit enhances your credibility and opens up more business opportunities, and how discipline and mental toughness through fitness directly relates to overcoming business obstacles. In addition, we talked about daily accountability, top movement and nutrition recommendations for those on their fitness journey, why hiring a personal trainer is a great idea, navigating special occasion eating, maximizing energy every day, and overcoming body image issues. You can listen, subscribe, and leave a review for the show on Apple Podcasts/iTunes, Spotify, Audible, iHeart Radio, and at https://toginet.com/shows/successprofilesradio/

It's a strange kind of exhaustion—working harder than ever yet feeling like you're stuck in the same spot. The price of everything climbs, your paycheck seems to shrink, and those high-risk “opportunities” just drain more energy than they're worth. It's not just about money anymore; it's about the constant pressure, the sense that life is passing by while you're caught in the grind. The thought of a system quietly building for you, without constant babysitting or sleepless nights, feels almost unreal—but it's the kind of calm most people are secretly chasing. https://youtu.be/GTvZPIAhgPk?si=6MgBZYX7CoM9gmyl Casey Stubbs, host of Replace Your Income with Options and author of the Freedom Income Options Substack, has over 30 years in trading. Today, he addresses inflation's impact and stressed the value of steady, disciplined growth. He explains his 1% weekly options strategy, designed to replace income without high-risk trades or day-trading stress. His approach focuses on consistency, patience, and financial freedom through smart options investing. Stay tuned! Quotes: “I believe the way to get rich fast is to get rich slow—and it doesn't take as long as people think.” “Get out of your comfort zone. You cannot grow if you stay comfortable.” “If you go too fast, you're going to crash and burn. Everybody fails. If you think you're going to go through this without failing, you're wrong.” Resources: Learn the 1% Weekly Income System That Works in Just 1 Hour a Week.​ Replace Your Paycheck, Reclaim Your Freedom | Casey Stubbs Connect with Casey Stubbs on LinkedIn

Today I'm chatting with my friend Adam Goldberg of AGoldPhoto, a studio pet photographer, shelter-dog hype man, and the brain behind “Second Shot.” He started in shelters back in 2013, built a thriving studio, and is now circling back to his roots with a model that funds adoption photos through brand sponsors. It's smart, generous, and wildly scalable.If you love the idea of photographing rescue pets but struggle to find the time with your adulting responsibilities and bills, this one's for you.What to Listen For:The surprising reason Adam first picked up a camera at the shelter (hint: it wasn't about the dogs).How pit bulls changed the course of his career—and what he discovered that the news never shows.Why he refunded $100,000 in bookings overnight…and what he built from the ashes.The single question that sparked the idea for Second Shot.How a casual social media post turned into brand sponsorships that now fund adoption photos.The behind-the-scenes of what sponsors actually want, and why some don't care about analytics at all.What makes this model irresistible to shelters (and why Adam warns photographers not to ask for money too soon).The unexpected pushback he faced from other photographers and how he handled it.Why Adam believes photographers shouldn't have to choose between paying their bills and saving lives.Where he sees Second Shot going next and how you might be able to join in.Adam's “Second Shot” model proves you can serve shelters, create real adoption momentum, and still get paid for your craft. If this lights you up, go follow Adam, say hello, and tell him Nicole sent you. Then hit play and take notes—you'll walk away with partnership ideas you can action this month. CTA: Subscribe, share this episode with a rescue-loving friend, and leave a review so more photographers can find it.Additional information: Adam's Instagram: https://instagram.com/agoldphotoAdam's website: https://agoldphoto.comFacebook group: Studio Pet Photography HelpMore Resources:Freedom Focus Photography Podcast: https://hairofthedogacademy.com/podcast (or your preferred podcast hub)Hair of the Dog Academy: https://hairofthedogacademy.comFree Guide – Top 10 Dog Poses: https://hairofthedogacademy.com/posesFreedom Focus Formula: https://nicolebegley.com/freedom-focus-formulaTired of slow inquires? Don't let anything impact your bookings or your success any longer. This free challenge will help you take control of your bookings so that you never feel stuck again. Register here.JOIN THE PARTY: Connect with us on Instagram Explore valuable pet photography resources here Discover effective pricing and sales strategies for all portrait photographers. Ready to grow your business? Elevate helps you do just that. Check out our recommended gear and favorite books.

Omar Kharbat is back again dispensing some amazing advice on going from nothing to a one million dollar business. This is a three part series so check in for all three episodes: Zero to One Dollar One Dollar to One Hundred Thousand Dollars One Hundred Thousand Dollars to One Million Dollars   He made his first appearance on episode 32 to talk about Boots and Ladders, a business going at it hard to change the lead generation practices for service-based businesses. Due to popular demand and because I just wanted to hang out again, he's back to give us some of his business secrets.    If you want a PDF copy of Omar's Zero to One Million Playbook, email me at drdave@redteamgoals.com, and I'll send it right out.   Check out Boots & Ladders at https://bootsandladders.com/.    --- 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  

Episode 56: How to Create Income Without a Corporate Job: Portfolio Careers, Self Employment and Other Ways to Make $$If you're stuck in a slow job market or waiting for the right role to come through, how do you keep your bills paid and your career moving? In this episode of Careers at the End of the World, host Jenn Walker Wall explores practical ways to make money without a traditional 9-5 job. Whether you're between roles or looking to diversify your income, Jenn breaks down the options from portfolio careers and freelancing to contract work and side hustles. Instead of chasing quick fixes, she offers grounded strategies for generating income, building momentum, and staying engaged while the job market recovers.Episode HighlightsHow to differentiate freelance vs. contract work and decide which path makes sense during a job search.The role of fractional and interim leadership jobs in bridging employment gaps.Why ecosystem building and networking for referrals is critical when starting self-employment.Tips for launching a low-barrier side hustle or pilot project without overthinking or overspending.Why creating income outside a corporate job can help prevent career burnout and provide more flexibility.Episode Timestamps02:30 – Why today's job market is so unpredictable07:10 – What is a portfolio career? (with examples)13:45 – The rise of contract and fractional work19:20 – Turning rejection into a freelance or consulting opportunity24:15 – Easy side hustles that actually pay (including pet sitting and adjunct teaching)28:40 – How to talk about freelance or contract work on your resumeResources and LinksRevive Your Job Search Workshop: September 30th (tickets $47 or free for community members)How to Job Search at the End of the World (On Demand): free with discount code “CAREERSATTHEEND” until September 25thWork Wonders Careers Job Search CommunitySCORE Mentorship Program CreditsPodcast editing by Vienna DeGiacomo, Good Story Branding

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Freelancers and gig workers face irregular income—but money doesn't have to be stressful. In this episode of Chink Positive, Chinkee Tan shares practical money tips for managing unpredictable income. Learn simple strategies for budgeting, saving, handling taxes, and even investing—so you can thrive in the freelance and gig economy.For any collaboration, brand partnership, and campaign run inquiries, e-mail us at info@thepodnetwork.com.#FreelanceFinance #ChinkPositive #GigEconomy #MoneyTipsPH #WealthCoach #FinancialFreedomPH Hosted on Acast. See acast.com/privacy for more information.

Tired of the market roller coaster? Discover how consistent income streams can bring peace of mind in retirement. Brandon Bowen explains why annuities—especially fixed index annuities—are gaining popularity, and how smart planning can help you avoid “rocking chair regrets.” Hear real-life stories of retirees who travel, support family, and enjoy life without stressing over market swings. Learn how an income inspection can reveal risks and opportunities for your financial future. Like what you hear? Get a second opinion today: bowenwealth.com Follow us on social media: YouTube | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

What if expanding your impact (and income) as a healer isn't about doing more, but shedding an identity you've outgrown? In this episode, I speak with longtime collaborator Ashley Burnett (women's & business leadership coach, retreat leader, author) about a Divine Feminine model for healers that grows your work sustainably by aligning with your rhythms, seasons, and sovereignty. Join Ashley's free 3-day business activation, MAGNETIC → https://www.wildlyrooted.com/magnetic What you'll discover The magnetic body-of-work approach → why packaging your gifts around a core message attracts already-ready people to your medicine. Identity evolutions every facilitator faces → the hidden roles (martyr, fixer, “good girl”) that keep you overgiving, undercharging, or second-guessing - and how to dissolve them. The Divine Feminine business model → cyclical planning, seasonal sabbaticals, and a 25–30 hr week that expands impact. From hustle to magnetism → the energetic pivot from chasing to receiving (and why pleasure + rest make launches convert). Sovereign containers that sustain you → energetic hygiene, clear boundaries, sacred reciprocity, and meeting others sovereign-to-sovereign. Scalable service, deeper results → retreats, group programs, and masterminds that honor your capacity while elevating transformation.   About our guest Ashley Burnett, founder/CEO of Ashley Burnett & Co., has guided leaders for 22+ years—from Fortune 500 execs to visionary solopreneurs—through retreats, seasonal leadership, and feminine-forward business design. She's led 100+ retreats and taught thousands of women worldwide. Instagram | https://www.instagram.com/ashleyburnettco   GET IN TOUCH

This week on TrendsTalk, Taylor St. Germain break down how different income brackets are handling rising costs in food, housing, and healthcare. While higher earners continue to see spending remain below historical averages, lower and middle-income households are facing mounting affordability challenges. What does this divide mean for consumer spending and long-term economic growth?

Welcome ✨Hello, beauties. Good morning. I'm so grateful you're here. Today, I'm sharing one of the most valuable pieces of guidance from my own evolution, from someone who once had no voice and didn't dare to speak out loud, to leading a strong, spiritual brand and creating a legacy of light. Whether this is for you or someone you know, please feel free to tag them or share this episode. This message can create a huge shift in the way you move your business and your life.Episode Summary

Bizee: Start your business with confidence at https://Bizee.com/ich Cook Unity: Go to https://www.cookunity.com/ichfree for Free Premium Meals for Life. Pipedrive: Get started with a 30 day free trial https://pipedrive.com/iced Shopify: Sign up for a $1 per month trial period at https://shopify.com/ich Follow Stable Ronaldo: On Twitch - https://www.twitch.tv/stableronaldo On Instagram - https://www.instagram.com/stableronaldo On Youtube - www.youtube.com/@UCav7eOwYM9Bwxlgnts0y74Q Special thanks to White Glove Estates for allowing us to film in their showroom! Check them out here: https://whitegloveestates.com/ Apply for The Index Membership: https://entertheindex.com/ Add us on Instagram: https://www.instagram.com/jlsselby https://www.instagram.com/gpstephan 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! Timecodes: 00:00:00 - Intro 00:01:14 - His car collection 00:06:47 - Need to be smart to be a good streamer? 00:09:01 - How did you get so good at video games 00:10:31 - First big tournament win 00:11:59 - Twitch earnings with 100 viewer avg? 00:13:19 - When did you start making real money 00:16:02 - Sponsor - Bizee 00:19:40 - Twitch crash out 00:21:47 - How do you make sure you don't overspend 00:23:51 - How do you come up with ideas 00:29:53 - Investing in watches 00:31:48 - How much money spent on watches 00:35:05 - Is streaming authentic or clip farming? 00:35:11 - Sponsor - CookUnity 00:39:15 - Top Ronaldo clips all time 00:47:02 - Close calls with crime 00:48:52 - How to grow on Twitch now 00:50:33 - Next big streamers 00:57:40 - When did you join Faze? 00:59:50 - How does Faze business work? 01:04:17 - Sponsor - Pipedrive 01:05:41 - Sponsor - Shopify 01:07:13 - Why did Faze kick out old members? 01:12:12 - His financial mentality 01:16:44 - Balancing streaming with relationship 01:22:15 - How did you meet gf? 01:25:41 - Prenups? 01:28:11 - Income sources 01:32:41 - Largest gambling accounts you have seen 01:34:02 - Future of gambling streams 01:35:26 - Streamers with deepest pockets 01:38:58 - Who is next YouTube billionaire? 01:39:22 - Best and worst investments ever made 01:46:11 - What are you manifesting now 01:48:37 - Advice to inspire people 01:52:30 - Ranking streamers *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

High-achieving and still 30% happy at work? In this Healthy Mind, Healthy Life episode, career coach and therapist Rachel Spekman unpacks why smart professionals stay in roles they secretly hate—status, salary, identity—and how to exit without chaos. We cover permission to want more, navigating identity shifts, handling judgment, and practical, income-safe pivots (including fractional work). Direct, actionable, SEO-friendly guidance for YouTube/Facebook/Instagram/LinkedIn audiences who want purpose, alignment, and sustainable earnings—without burning their careers to the ground. Guest: Rachel Spekman. About the guest   Rachel Spekman is a career coach and licensed therapist specializing in identity transformations and vocational alignment. After 15 years in brand marketing, 10 years with startups, and 5 years as a therapist, she helps professionals move from soul-sucking roles into work that matches values, strengths, and desired income. Key takeaways Start with permission: ask, “Am I allowed to want something different?” Then imagine alternatives before acting. Define “achievement” for yourself—not for LinkedIn, bosses, or family. Success must map to your values. Expect value shifts: life events (loss, mental health, family) change what “fits.” A once-great job can become misaligned. Measure reality: honestly rate your work happiness out of 100. If you're at ~30%, plan a directional change. Aim for 80% satisfaction by moving 1–2% at a time; small, consistent improvements compound. Choose your problems: invest your “three Ts” (time, talent, treasure) where you want to solve challenges. Identity work matters: manage the ego when titles change; treat everyone with integrity—today's intern can be tomorrow's boss. Build safe bridges: don't jump without a plan. Most realignments take 6–12 months with clear milestones. Consider fractional work: package your expertise for multiple clients to increase autonomy and earnings. Realignment isn't always promotion; a “lateral” or even “demotion” can be a values-aligned win. Connect with the guest   Website: rachelspekman.com Coaching: MadeForMoreCoach.com Want to be a guest on Healthy Mind, Healthy Life? DM on PM - Send me a message on PodMatch DM Me Here: https://www.podmatch.com/hostdetailpreview/avik Disclaimer: This video is for educational and informational purposes only. The views expressed are the personal opinions of the guest and do not reflect the views of the host or Healthy Mind By Avik™️. We do not intend to harm, defame, or discredit any person, organization, brand, product, country, or profession mentioned. All third-party media used remain the property of their respective owners and are used under fair use for informational purposes. By watching, you acknowledge and accept this disclaimer. Healthy Mind By Avik™️ is a global platform redefining mental health as a necessity, not a luxury. Born during the pandemic, it's become a sanctuary for healing, growth, and mindful living. Hosted by Avik Chakraborty—storyteller, survivor, wellness advocate—this channel shares powerful podcasts and soul-nurturing conversations on:• Mental Health & Emotional Well-being• Mindfulness & Spiritual Growth• Holistic Healing & Conscious Living• Trauma Recovery & Self-Empowerment With over 4,400+ episodes and 168.4K+ global listeners, join us as we unite voices, break stigma, and build a world where every story matters.Subscribe and be part of this healing journey. ContactBrand: Healthy Mind By Avik™Email: join@healthymindbyavik.com | podcast@healthymindbyavik.comWebsite: www.healthymindbyavik.comBased in: India & USA Open to collaborations, guest appearances, coaching, and strategic partnerships. Let's connect to create a ripple effect of positivity. CHECK PODCAST SHOWS & BE A GUEST:Listen to our 17 Podcast Shows: https://www.podbean.com/podcast-network/healthymindbyavikBe a guest on our other shows: https://www.healthymindbyavik.com/beaguestVideo Testimonial: https://www.healthymindbyavik.com/testimonialsJoin Our Guest & Listener Community: https://nas.io/healthymindSubscribe To Newsletter: https://healthymindbyavik.substack.com/ OUR SERVICESBusiness Podcast Management - https://ourofferings.healthymindbyavik.com/corporatepodcasting/Individual Podcast Management - https://ourofferings.healthymindbyavik.com/Podcasting/Share Your Story With World - https://ourofferings.healthymindbyavik.com/shareyourstory STAY TUNED AND FOLLOW US!Medium - https://medium.com/@contentbyavikYouTube - https://www.youtube.com/@healthymindbyavikInstagram - https://www.instagram.com/healthyminds.pod/Facebook - https://www.facebook.com/podcast.healthymindLinkedIn Page - https://www.linkedin.com/company/healthymindbyavikLinkedIn - https://www.linkedin.com/in/avikchakrabortypodcaster/Twitter - https://twitter.com/podhealthclubPinterest - https://www.pinterest.com/Avikpodhealth/ SHARE YOUR REVIEWShare your Google Review - https://www.podpage.com/bizblend/reviews/new/Share a video testimonial (featured on our website) - https://famewall.healthymindbyavik.com/ Because every story matters and yours could be the one that lights the way! #podmatch #healthymind #healthymindbyavik #wellness #HealthyMindByAvik #MentalHealthAwareness #comedypodcast #truecrimepodcast #historypodcast #startupspodcast #podcasthost #podcasttips #podcaststudio #podcastseries #podcastformentalhealth #podcastforentrepreneurs #podcastformoms #femalepodcasters #podcastcommunity #podcastgoals #podcastrecommendations #bestpodcast #podcastlovers #podcastersofinstagram #newpodcastalert #podcast #podcasting #podcastlife #podcasts #spotifypodcast #applepodcasts #podbean #podcastcommunity #podcastgoals #bestpodcast #podcastlovers #podcasthost #podcastseries #podcastforspeakers #StorytellingAsMedicine #PodcastLife #PersonalDevelopment #ConsciousLiving #GrowthMindset #MindfulnessMatters #VoicesOfUnity #InspirationDaily #podcast #podcasting #podcaster #podcastlife #podcastlove #podcastshow #podcastcommunity #newpodcast #podcastaddict #podcasthost #podcastepisode #podcastinglife #podrecommendation #wellnesspodcast #healthpodcast #mentalhealthpodcast #wellbeing #selfcare #mentalhealth #mindfulness #healthandwellness #wellnessjourney #mentalhealthmatters #mentalhealthawareness #healthandwellnesspodcast #fyp #foryou #foryoupage #viral #trending #tiktok #tiktokviral #explore #trendingvideo #youtube #motivation #inspiration #positivity #mindset #selflove #success

What if we told you that your path to financial independence isn't about picking the perfect stocks, timing the market, or earning a massive salary? In this revealing episode of BiggerPockets Money, hosts Mindy Jensen and Scott Trench cut through all the noise to focus on what actually matters: your savings rate. This isn't just theoretical advice—Mindy and Scott get personal, sharing their own savings journeys, including the costly mistakes they made and the pivotal breakthroughs that transformed their financial lives. This episode completely reframes the conversation around saving money. Instead of extreme penny-pinching that breeds resentment, Mindy and Scott explore "creative frugality"—intelligent strategies that help you save significantly more without feeling deprived. From small incremental changes that compound into thousands of dollars annually to innovative approaches for slashing major expenses, you'll walk away with immediately actionable tactics that prove financial independence isn't about sacrifice—it's about smart optimization. This Episode Covers: Why your savings rate matters more than your investment returns or salary Mindy and Scott's personal savings rate journeys and biggest mistakes Lifestyle optimization strategies that boost savings without reducing happiness The psychology behind sustainable high savings rates Creative approaches to cutting your three biggest expenses Why starting a side business accelerates your FIRE timeline Investment strategies that support aggressive savers How to increase your savings rate at different career stages Common savings rate mistakes that derail FIRE progress How small changes compound into life-changing financial results And SO much more! 00:00 How to Supercharge Your Savings Rate 01:14 Mindy and Scott's Savings Rate 03:40 Strategies for High Savings Rates 11:50 Creative Ways to Reduce Expenses 20:02 Increasing Income 26:06 We want to hear from you! Learn more about your ad choices. Visit megaphone.fm/adchoices

To get live links to the music we play and resources we offer, visit www.WOSPodcast.comThis show includes the following songs:Alaria Taylor - Nobody Else Like You FOLLOW ON SPOTIFYHOLLWAY - I Am Not Afraid FOLLOW ON SPOTIFYLily Jannah - Little Wolf FOLLOW ON SPOTIFYDarkwell Sounds - Roses and Violence FOLLOW ON SPOTIFYAshley Mora - Tease FOLLOW ON SPOTIFYEmily Judson - Burden to Love FOLLOW ON SPOTIFYJacquie Daniels - Sunday Morning Coming Down FOLLOW ON SPOTIFYDeva Yoder - Stories FOLLOW ON SPOTIFYRose Gerber - Under the Bleachers FOLLOW ON SPOTIFYDana Vishinsky - If You Let Me Take Part FOLLOW ON SPOTIFYThirsty Boots - The Traveler FOLLOW ON SPOTIFYrhe - Virginia FOLLOW ON SPOTIFYPennyRoyale - Sweet Sleep FOLLOW ON SPOTIFYTurnham Green - Alone FOLLOW ON SPOTIFYKeeana Kee x Ariana Castelli - GODDESS FOLLOW ON SPOTIFYFor Music Biz Resources Visit www.FEMusician.com and www.ProfitableMusician.comVisit our Sponsor Profitable Musician Newsletter at profitablemusician.com/joinVisit our Sponsor Cathy Wood at cathywoodmusic.comVisit our Sponsor 39 Streams of Income at profitablemusician.com/incomeVisit www.wosradio.com for more details and to submit music to our review board for consideration.Visit our resources for Indie Artists: https://www.wosradio.com/resourcesBecome more Profitable in just 3 minutes per day. http://profitablemusician.com/join

You track your steps. Maybe even your calories. But do you know what it really costs to live each month?Your personal cost of living is one of the most important numbers in your financial life. Without it, you may be spending in ways that don't reflect your values—or your faith. Let's explore why this number matters, how to calculate it, and how it ties into faithful stewardship.The Basics of StewardshipNo matter your income level or stage of life, the same principles apply. There are five things you can do with money:Earn itLive on itGive it awayOwe it to othersGrow it through saving and investingToday, we're focusing on “living on it”—what it really takes to cover your day-to-day needs. And remember: it's not just rent and groceries. A true cost of living includes less frequent expenses too—insurance premiums, car repairs, or even Christmas gifts.Why Tracking MattersInflation may be slowing, but most of us are still paying more than before. The government reports a national “cost of living,” but that number doesn't reflect your personal circumstances. That's why tracking your own cost of living is crucial—it provides clarity, and clarity is the foundation of stewardship.A practical tool for this is the FaithFi app, which helps you track your income, giving, saving, and spending—all in one place. Here's where to start:1. Begin with GivingFor believers, giving isn't just another line item. It's the first priority—an act of worship and trust in God's provision.2. Add Savings GoalsWhether building an emergency fund, saving for retirement, or preparing for a large expense, set targets you can track monthly.3. List Your ExpensesExpenses fall into three categories:Fixed: Rent, mortgage, insurance, subscriptions.Variable: Groceries, gas, utilities.Irregular: Property taxes, holiday gifts, car repairs. Spread these out by assigning a monthly average.When you add it all up, you'll have a clear picture of your total monthly needs—your true cost of living.If your expenses exceed your income, don't panic. The process reveals problem areas so you can adjust—cutting back on non-essentials, reevaluating fixed costs, or pausing discretionary spending. Stewardship isn't about guilt—it's about faithfulness.Proverbs 27:23–24 says, “Know well the condition of your flocks, and give attention to your herds, for riches do not last forever.” In modern terms: know your financial condition and manage it wisely.Living With Clarity and FaithTracking your cost of living isn't just a budgeting exercise. It's about living intentionally, aligning every dollar with God's purposes. Needs will shift, life will happen, but clarity allows you to walk with confidence, generosity, and purpose.That's why I encourage you to download the FaithFi app today. With FaithFi Pro, you'll gain access to tools, articles, Bible studies, and daily encouragement to help you manage money with wisdom. Find it at FaithFi.com or in your app store.So, do you know your personal cost of living? If not, there's no better time to find out.On Today's Program, Rob Answers Listener Questions:I'm 67 and single. Should I start taking Social Security now, or wait until age 70 for the larger benefit? I'm also worried about whether Social Security will even be around in the future. On top of that, I worked many years for a nonprofit that provided housing, so my reported income was low. Now I'm earning more—will that help increase my Social Security amount?I'm retired and already drawing Social Security, but I also have earned income from pastoring two rural churches. With that income, am I allowed to contribute to a Roth IRA or another type of retirement account?My husband and I don't have much debt besides our mortgage and a 0% interest loan we used for a heat pump. Should we pay off the heat pump early, add more to our emergency fund, or focus on paying down the mortgage?My online savings account was compromised, and someone tried to transfer money out. What steps can I take to protect myself when using online accounts? And do you recommend using a password keeper?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)1Password | LastPassWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

On this episode of the Self-Publishing News Podcast, Dan Holloway highlights the launch of ALLi's Author Income Survey, a vital tool to track how indie writers earn from their work and strengthen industry advocacy. He also reports on the judge's rejection of the proposed Anthropic settlement, which had offered $3,000 per pirated title, and notes that James Patterson has awarded $50,000 each to 12 authors to support their writing. ALLi Author Income Survey 2025 Sponsors Self-Publishing News is proudly sponsored by PublishMe—helping indie authors succeed globally with expert translation, tailored marketing, and publishing support. From first draft to international launch, PublishMe ensures your book reaches readers everywhere. Visit publishme.me. Find more author advice, tips, and tools at our Self-publishing Author Advice Center, with a huge archive of nearly 2,000 blog posts and a handy search box to find key info on the topic you need. And, if you haven't already, we invite you to join our organization and become a self-publishing ally. About the Host Dan Holloway is a novelist, poet, and spoken word artist. He is the MC of the performance arts show The New Libertines, He competed at the National Poetry Slam final at the Royal Albert Hall. His latest collection, The Transparency of Sutures, is available on Kindle.

The Friday Five for September 12, 2025: Ritter Summit Takeaways Part 2 Are Brokers Still in the Crosshairs? Policy and Market Updates for 2026 2026 Medicare & You Handbook Release Date for iOS, iPadOS, MacOS, and WatchOS 26 CMS & HHS Expand ACA Catastrophic Coverage Enrollment   Ritter Summit Takeaways Part 2: Register for Ritter Insurance Marketing Summits   Are Brokers Still in the Crosshairs? Policy and Market Updates for 2026: Watch the Webinar   2026 Medicare & You Handbook: Download Your Copy   Release Date for iOS, iPadOS, MacOS, and WatchOS 26: Peters, Jay. “iOS 26 Is out on September 15th.” Theverge.Com, The Verge, 9 Sept. 2025, www.theverge.com/news/770784/apple-ios-26-release-date-liquid-glass. McAuliffe, Zachary. “I Was Right Yet Again: iOS 26 Is Coming Monday, Sept. 15.” Cnet.Com, CNET, 9 Sept. 2025, www.cnet.com/tech/services-and-software/i-was-right-yet-again-ios-26-is-coming-monday-sept-15/. Perry, Alex. “Apple iOS 26 Release Date: When You Can Download It.” Mashable.Com, Mashable, 9 Sept. 2025, mashable.com/article/apple-ios-26-release-date-how-to-download. Diaz, Maria. “iOS 26 Update Is Coming Soon - How to Download It (and Which iPhones Support It).” Zdnet.Com, ZDNET, 10 Sept. 2025, www.zdnet.com/article/ios-26-update-is-coming-soon-how-to-download-it-and-which-iphones-support-it/. Teague, Katie. “iOS 26: What to Know about the Free iPhone Software Update Arriving September 15.” Engadget.Com, Engadget, 11 Sept. 2025, www.engadget.com/mobile/ios-26-what-to-know-about-the-free-iphone-software-update-arriving-september-15-135749658.html.   CMS & HHS Expand ACA Catastrophic Coverage Enrollment: August 22, 2025 Friday Five: Judge Vacates HHS MA Commissions Lawsuit “By the Numbers: House Bill Takes Health Coverage Away From Millions of People and Raises Families' Health Care Costs.” Cbpp.Org, Center on Budget and Policy Priorities, www.cbpp.org/research/health/by-the-numbers-house-bill-takes-health-coverage-away-from-millions-of-people-and. Accessed 11 Sept. 2025. “CMS Broadens Access to Catastrophic Exchange Plans.” Modernhealthcare.Com, Modern Healthcare, 4 Sept. 2025, www.modernhealthcare.com/politics-regulation/mh-catastrophic-health-plans-open-enrollment-2026/. “Entities Approved to Use Enhanced Direct Enrollment.” CMS.Gov, Centers for Medicare & Medicaid Services, 9 Aug. 2024, www.cms.gov/files/document/ede-approved-partner.pdf. Reed, Tina. “Exclusive: HHS to Expand Eligibility for Catastrophic Plans.” Axios.Com, Axios, 4 Sept. 2025, www.axios.com/2025/09/04/trump-hhs-expand-catastrophic-plan-eligibility. “Expanding Access to Health Insurance: Consumers to Gain Access to ‘Catastrophic' Health Insurance Plans in 2026 Plan Year.” CMS.Gov, Centers for Medicare & Medicaid Services, 4 Sept. 2025, www.cms.gov/newsroom/fact-sheets/expanding-access-health-insurance-consumers-gain-access-catastrophic-health-insurance-plans-2026. “Guidance on Hardship Exemptions for Individuals Ineligible for Advance Payment of the Premium Tax Credit or Cost-Sharing Reductions Due to Income, and Streamlining Exemption Pathways to Coverage.” CMS.Gov, Centers for Medicare & Medicaid Services, 4 Sept. 2025, www.cms.gov/files/document/guidance-hardship-exemptions.pdf. “HHS Expands Access to Affordable Health Insurance.” CMS.Gov, Centers for Medicare & Medicaid Services, 4 Sept. 2025, www.cms.gov/newsroom/press-releases/hhs-expands-access-affordable-health-insurance. “HHS Expands Access to Affordable Health Insurance.” HHS.Gov, U.S. Department of Health and Human Services, 4 Sept. 2025, www.hhs.gov/press-room/hhs-expands-access-affordable-catastrophic-health-coverage.html. Ortaliza, Jared, Matt McGough, Kaitlyn Vu, et al. “How Much and Why ACA Marketplace Premiums Are Going up in 2026.” Healthsystemtracker.Org, KFF, 6 Aug. 2025, www.healthsystemtracker.org/brief/how-much-and-why-aca-marketplace-premiums-are-going-up-in-2026/. Minemyer, Paige. “Trump Administration Expands Access to ACA Catastrophic Plans.” Fiercehealthcare.Com, Fierce Healthcare, 4 Sept. 2025, www.fiercehealthcare.com/regulatory/trump-administration-expands-access-aca-catastrophic-plans.   Resources: 2026 ACA & Medicare Cost Projections 3 Benefits of Selling ACA Insurance Plans 5 Medicare Myths Your Clients May Believe 2026 ACA Exchange & FFM Certification Info Judge Grants Stay on Many 2025 ACA Final Rule Provisions The ICHRA Opportunity for Agents ft. Lisa Marzolino & Danica Stover The Survivor's AEP Checklist   Get Connected:

⚠️ How to Avoid Common Mistakes in San Bernardino County Divorces | San Bernardino Divorce

When you're in a close relationship with someone, navigating income disparities can be tricky. Author and financial educator Farnoosh Torabi joins us to discuss how to start the conversation and figure out what makes sense -- and how to come up with a plan.

You make decent money. Your friends might even think you're "doing well" financially. So why do you always feel broke?If you're constantly wondering where your paycheck went, feeling stressed about money despite earning good income, or questioning why you can't seem to get ahead - this episode is for you.I'm breaking down the three specific reasons why good income doesn't translate to feeling financially secure, and more importantly, I'm showing you the cycle that keeps you stuck (spoiler: it's not about willpower or being "bad with money").You'll discover:Why checking your bank balance is the worst way to make spending decisionsHow "life expenses" mysteriously expand to eat your entire paycheckThe Money Chaos Cycle that traps even high earnersWhat a healthy money decision-making system actually looks likePlus, I'm sharing details about my FREE 3-Day Money Reset Challenge happening September 23-25 in my Facebook group. If you've been avoiding looking at where your money really goes, this challenge will help you get clarity without the shame or overwhelm.Ready to break the cycle? Let's dive in.Join the Moneywise Mastermind Waitlist here: https://www.katyalmstrom.com/mm-waitlist Connect with Katy: IG: www.instagram.com/katy_almstromFB Group: www.facebook.com/groups/debtpayoffforwomen

He aims to replace economic frustration with a practical understanding of our economy and empower us to identify and advocate for a better approach to the problems we face. Howard Yaruss breaks down our economic system in a straightforward, nonpartisan way, avoiding jargon, formulas, graphs, and other technical material so common in books on this subject. Instead, he uses accessible analogies, real-world observations, and entertaining anecdotes to create a comprehensive picture of our economy.A book that provides the tools needed to understand our economy, determine which policies would work best, and champion those policies effectively, Understandable Economics could not be more timely-or more necessary.HOWARD YARUSS is an economist, professor, attorney, businessman, and activist who has taught a variety of courses on economics and business and currently teaches at New York University. Prior to teaching, he served as Executive Vice President and General Counsel of Radian Group, one of the largest guarantors of debt in the world. Yaruss graduated from Brown University, studied at the London School of Economics, and earned a law degree from the University of Pennsylvania. He lives in Manhattan.He is the author of Understandable Economics: Because Understanding Our Economy is Easier Than You Think and More Important Than You Know. https://www.amazon.com/Understandable-Economics-Because-Understanding-Important/dp/1633888363#:~:text=Incomes%20are%20stagnating%2C%20middle%2Dclass,world%20observations%2C%20and%20entertaining%20anecdotes.http://www.yourlotandparcel.org

In this podcast episode, I share the 5 things that led me to a $90K month in my online business. Ready to hold 10X the wealth you know you are meant for?CLICK HERE and register for the Identity to Income 3 Day Masterclass for $27XO, Brianna MichelleNot able to convert inquiries into contracts? Grab my Inquiry to Booked Training & Template for $37. Stop getting ghosted & start getting paid:https://www.briannamichellecoaching.com/sp-d-inquiry-incubatorGet Brides Obsessed To Book Your Team in this 27 minute training for just $27:https://briannamichellecoaching.thrivecart.com/get-brides-obsessed/

Tune in Today's SHOW as our well known successful guest speaker shares amazing insight around this very important topic. You will find ways to connect with our GUEST today on the website mentioned in the video and further continue the conversation.   SUBSCRIBE, REVIEW & SHARE the SHOW! Elona at the Life School helps Entrepreneurs and Organizations grow legacy purpose driven life and businesses for major Impact & Income.   Website: www.elonaloparicoaching.com   Follow our Page on Facebook:  https://www.facebook.com/profile.php?id=100063162853244&mibextid=LQQJ4d Join our Facebook Group Community here: https://www.facebook.com/groups/entrepreneursofthelifeschool   Connect with us on Linkedin: https://www.linkedin.com/in/elona-lopari/   Follow us on Instagram: https://www.instagram.com/elona_lopari/   Podcast Hosted at The Cafe Lounge in Brooklyn NY   Instagram: https://www.instagram.com/cafeloungenyc?igsh=MWxtYXo5OWx1ZXU1Zg%3D%3D&utm_source=qr   Tik Tok: https://www.tiktok.com/@cafelounge1?_t=ZT-8zSHjUAKkZ5&_r=1    

In this week's Ask Me Anything, Ryan and Kipp tackle questions from the Order of Man community around productivity, energy management, and living with greater intention. From balancing family responsibilities with work, to eliminating distractions and staying aligned with long-term goals, they dive deep into practical strategies men can apply right now. They also cover tools for planning, handling setbacks with resilience, and the value of family meetings. Plus, updates on the Iron Council and the importance of choosing growth over mere compliance. SHOW HIGHLIGHTS 00:00 News headlines – Phillies “crazy Karen” 08:32 Shifting AMA format & topics 09:18 Work-life balance & energy 19:07 Refocusing after interruptions 22:36 Full alignment in planning 31:22 Income and spending trackers 32:15 Writing vs. digital planning 34:39 Recommended tools 42:48 Weekly family meetings 47:03 Best time to plan 51:19 Mindset when plans go off track 01:00:29 Iron Council promotion & Facebook group Battle Planners: Pick yours up today! Order Ryan's new book, The Masculinity Manifesto. For more information on the Iron Council brotherhood. Want maximum health, wealth, relationships, and abundance in your life? Sign up for our free course, 30 Days to Battle Ready

In this episode, I welcome back Gerry Delang, founder of End Tax Problems Now, a firm he started in 2001 to help individuals and businesses resolve complex IRS issues. Gerry is who I call the “stress reliever”, because when you're facing the most feared collection agency in the world, you need someone who knows how to fight back and win.   We talk about what really happens when you get that dreaded IRS letter, why paying without question is the biggest mistake you can make, and how Gerry has successfully represented thousands of clients, including me during the 2008 crash. He also shares recent stories, common traps to avoid, and why most IRS issues are nothing to be ashamed of.   If you're an investor, entrepreneur, or anyone who's ever dealt with tax stress, this episode could save you thousands of dollars and a ton of sleepless nights.   Key Talking Points of the Episode   00:00 Introduction 01:02 Who is Gerry Delang?  03:18 The IRS as the most feared collection agency in the world 04:45 Why ignoring IRS letters is the worst thing you can do 06:00 The mistake of paying first and hoping for a refund later 07:18 Common life events that create non-filers: divorce, illness, job loss 08:40 The trap of 800-number “IRS help” companies and why most fail 11:29 A recent personal story: a $5,000 IRS bill wiped away in one call 14:37 Why most CPAs don't want to touch tax resolution work 15:56 Even wealth advisors have IRS issues—Gerry's surprising story 17:43 How to connect with Gerry for private, judgment-free help 18:53 Stress relief, timing, and why you shouldn't wait   Quotables   “The IRS can freeze your paycheck, seize your bank account, or put a lien on your property with just one letter.”   “The last thing you want to do is give the IRS your money and then try to get it back.”   “When you offload to the right person, it's like taking a 50-pound weight off your chest.”   Links   Gerry Delang gerry@endtaxproblems.com   QLS Live http://smartrealestatecoach.com/qlspodcast   QLS 4.0 http://smartrealestatecoach.com/qls4.0podcast   Apprentice Program http://smartrealestatecoach.com/apprenticepodcast   In the Trenches Bootcamp http://smartrealestatecoach.com/ittbpodcast   3 Paydays Virtual Event http://smartrealestatecoach.com/3paydayspodcast   Masterclass ($297) http://smartrealestatecoach.com/webinarpodcast   Masterclass (Apprentice) http://smartrealestatecoach.com/masterspodcast   Wicked Smart Books http://wickedsmartbooks.com/podcast   Strategy Session http://smartrealestatecoach.com/actionpodcast   REI Blackbook http://smartrealestatecoach.com/reibb-dd   7 Figures Funding http://smartrealestatecoach.com/7figures-pod   Landvoice https://smartrealestatecoach.com/landvoice-pod  

To get live links to the music we play and resources we offer, visit www.WOSPodcast.comThis show includes the following songs:June - Supernova FOLLOW ON SPOTIFYBitty - E11VEN FOLLOW ON SPOTIFYHannah B Johnson - Drive The Pain Away FOLLOW ON SPOTIFYNatalie McCool & Ellysse Mason - I Fantasise FOLLOW ON SPOTIFYKathleen - Fever Dream FOLLOW ON YOUTUBEAlex McCulloch - Silver Spoon FOLLOW ON SPOTIFYLili-Ann De Francesco - It's Okay (Bittersweet) FOLLOW ON SPOTIFYPaige Galdieri - Space Girl FOLLOW ON SPOTIFYVicki Johnson - Stay In Your Lane FOLLOW ON SPOTIFYDani Lopez - The Leader FOLLOW ON SPOTIFYRea - Living Without You FOLLOW ON SPOTIFYEmilia Kerbow - Pirate FOLLOW ON SPOTIFYBlue Ren - King of Pentacles FOLLOW ON SPOTIFYLilly Kopp - They Can't Forgive You, You've Done Nothing Wrong FOLLOW ON SPOTIFYwriter Dave Peeler - Dancing for me FOLLOW ON BROADJAMFor Music Biz Resources Visit www.FEMusician.com and www.ProfitableMusician.comVisit our Sponsor Profitable Musician Newsletter at profitablemusician.com/joinVisit our Sponsor Cathy Wood at cathywoodmusic.comVisit our Sponsor 39 Streams of Income at profitablemusician.com/incomeVisit www.wosradio.com for more details and to submit music to our review board for consideration.Visit our resources for Indie Artists: https://www.wosradio.com/resourcesBecome more Profitable in just 3 minutes per day. http://profitablemusician.com/join

Many immigrants have feared going to work amid ICE raids. Weekly earnings for immigrant renters fell 62% this summer, according to The Rent Brigade’s recent survey. As the trial for an alleged assassin of President Trump begins this week, KCRW looks back on September 1975, when two different women had plans to kill President Gerald Ford. A small-town paper gets the mockumentary treatment in a new spinoff from “The Office,” mixing newsroom chaos, nostalgia, and laughs about the future of print journalism.  A displeased astrologer weighs in after the New York Times reports that your zodiac sign is out of date. KCRW explains the long controversy between astronomers and astrologers.

She racked up credit cards in college, graduated with a damaged credit score, and found herself stuck in a W-2 job that did not fulfill her. Then one woman and one conversation changed everything.   In this energizing episode, Dr. Felecia Froe sits down with Dr. Laquore Meadows, a top 16% trader on TradeStation and the founder of Invest2Give. From humble beginnings and financial missteps to mastering the stock market, Dr. Meadows shares how she built a business that helps others generate income on demand without needing Wall Street suits or six-figure portfolios.   This conversation is part strategy, part soul work, and a total game-changer if you're ready to claim your money power.   Ready to build a life of freedom one trade at a time? Tap play.   00:00 – From Love to Limitations: A Money Story Rooted in Scarcity 06:00 – “I Swapped My Credit Score for a T-Shirt” 08:00 – When Reality Hits: The Car Loan That Woke Her Up 12:00 – The $5.3 Million Gift That Changed Her Life 17:00 – Why Every Woman Needs a “Who” 23:00 – Income on Demand vs. Retirement Dreams 28:00 – Strategy, Not Stress: Her Approach to Daily Trading 36:00 – Her $8K Mistake and the Mindset That Got Her Back Up    

Episode Summary We're taking it back with this rewind episode of the Published & Paid® Podcast—and the timing couldn't be better since we're right in the middle of the Monetize Your Book Challenge. Here's the deal: so many authors limit themselves when it comes to their books. They think small—selling a few copies, adding on a t-shirt or mug, maybe setting up a table at a local event. But your book has the power to do so much more. It can open the door to high-ticket offers, speaking opportunities, and the type of impact you dreamed about when you first sat down to write. In this conversation, I'm sharing what I've learned from working with hundreds of authors and entrepreneurs over the years. If you've ever wondered how to move beyond just “selling a book” to building a business that pays you well, this is for you. Key Takeaways. How to expand your mindset so you can actually see what's possible beyond your book The shift from selling low-cost items to creating real, high-value offers Why you need an audience (and what to do to actually build and nurture one) How to clearly explain what you're selling—and confidently charge what you're worth The simple truth behind why most authors don't make money, and how you can avoid being a statistic Memorable Quotes “If you don't have a strategy for sales and marketing, you've lost the business beyond the book before you even publish.” “Your current life and business reflect your current level of knowledge, education, skill set, and effort.” “The average author makes less than $1,000 a year. It's time to put that statistic to rest.” Secure your spot for the next Monetize Your Book Challenge (Oct 13 - Oct 17): Discover the secret to making sales before your expert book is published, with your book, and beyond your book- and leveraging your book to grow your business CLICK HERE TO REGISTER: www.monetizeyourbooknow.com Stay Connected with Me: Instagram: @thejasminewomack Facebook: @authorjasminewomack LinkedIn: @thejasminewomack YouTube: @thejasminewomack Website: www.jasminewomack.com Grab Your Copy: Published and Paid – Write, self-publish, and launch your nonfiction book in 90 days or less.Ready to get it done? Start here → https://a.co/d/3n67cFU

If you've come into a lump sum of money, whether from a business sale, inheritance, settlement, or years of disciplined saving, you may be asking: "How can I turn this into reliable income?"

Welcome to the Careers Pathways Series on the DaliTalks Podcast! Are you or your teen wondering which career path is the right one? In this series, we explore the real stories behind career journeys—from the unexpected detours to the big wins.Every Friday at noon (ET), professionals share:✅ Their school & career experiences (including the struggles and the triumphs)✅ How they navigated career pivots and found work they love✅ Income insights, challenges, and opportunities in their fields✅ Encouragement for parents & teens that grades are NOT the end-all, be-all

You don't attract premium clients with tactics alone — you attract them by identity. In this episode, I share the 5-step formula for holding the premium identity, why leadership attracts (and lack of it repels), how the boiling water lag keeps most coaches stuck, and how the Law of Resonance dictates the clients you attract.

Bill Gallagher has coached 11+ companies to $100M+ exits in 12 years. Three of those hit $1 billion in value. But in this exclusive interview, he shares his most painful business mistake - one that cost him $2 million out of pocket and a potential $250 million exit. Tune in to hear:- The #1 exit mistake that destroys business value- Why you should sell BEFORE hitting your vision (not after)- How to avoid the "buyer grind" that crushes negotiations- What makes a business truly saleable at any level- Bill's $2M lesson in rapid growth managementWhether you're building toward a 7-figure or 9-figure exit, these 5 lessons could save (and earn) you millions: https://youtu.be/c5d2_I5EU_IIf you'd like to speak with Bill, email us at support@ebusinessinstitute.com.au with context and we'll make an introduction.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

Omar Kharbat is back again dispensing some amazing advice on going from nothing to a one million dollar business. This is a three part series so check in for all three episodes: Zero to One Dollar One Dollar to One Hundred Thousand Dollars One Hundred Thousand Dollars to One Million Dollars   He made his first appearance on episode 32 to talk about Boots and Ladders, a business going at it hard to change the lead generation practices for service-based businesses. Due to popular demand and because I just wanted to hang out again, he's back to give us some of his business secrets.    If you want a PDF copy of Omar's Zero to One Million Playbook, email me at drdave@redteamgoals.com, and I'll send it right out.   Check out Boots & Ladders at https://bootsandladders.com/.    --- 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  

BOSSes, Anne Ganguzza is joined by her lovely co-host, Danielle Famble, for the Boss Money Talk Series. The BOSSes tackle a fundamental challenge of a voiceover freelance career: managing inconsistent income. Drawing from her past job experiences, Danielle shares practical wisdom on how to budget, save, and build a financial cushion. This conversation redefines "budgeting" as a tool for empowerment and offers a strategic roadmap for every voice actor to take control of their finances, ensure stability, and thrive.   00:00 - Anne (Host) Hey guys, are you ready to achieve those dreams? With MyLife Transformation coaching services, I can help you reach your full potential. Don't let fear and uncertainty hold you back. Take control of your life today. Visit anneganguzza.com to get started.  00:20 - Speaker 2 (Announcement) It's time to take your business to the next level, the boss level. These are the premier business owner strategies and successes being utilized by the industry's top talent today. Rock your business like a boss a VO boss. Now let's welcome your host, Anne Ganguzza.  00:39 - Anne (Host) Hey everyone, welcome to the VO Boss Podcast and the Boss Money Talk Series. I'm Anne Ganguzza and I am here with my lovely co-host, Danielle Famble.  00:49 - Danielle (Guest) Hey Anne, hello Danielle, hey, hey, how you doing, how are you? I'm good, I'm good, I'm good.  00:53 - Anne (Host) Well, I am glad to have you back and I have a topic for discussion today, because I've had, on more than one occasion, some students recently talk to me about gosh. I'm just having a hard time finding work and I don't know if I should continue to stay in this industry because it's just getting too hard. I mean to sustain it, and so what should I do? It would be a worthy topic of discussion to talk about, like this particular industry and how we handle our financial situation in times of inconsistency, because it's just a known fact, guys, bosses out there, it is an inconsistent, it is part of being an entrepreneur. Our, our income is inconsistent. So what do we do and how do we budget for those times when maybe it's slow or, you know, when it's not slow, and what do we do when we have inconsistent income?  01:55 - Danielle (Guest) That's such a good question. That's a big part of being a boss, being an entrepreneur and being in this business, and it's good to give the perspective one you know to your students that you're coaching and to anyone listening. You're not alone. It doesn't mean that you're a bad voice actor. It doesn't mean that you're bad at this business. That is the nature of what it is, that we do, and so it has nothing to do with you or your worth or the fact that you're not good. Slow months happen all the time. It happens to the best of us.  02:24 - Anne (Host) And you know, I think it's really something a point worth mentioning is I've been in this industry about 18 years and it's always inconsistent, like there's not been a year where it hasn't been inconsistent. So it is something that I think, if you plan correctly and you're prepared for, it doesn't come as a surprise and it's something that you can absolutely continue to grow and build your business through oh, totally Inconsistent income. So, as long as you plan and strategize, yeah, and you just know this is normal.  02:56 - Danielle (Guest) This has not got anything to do with you. This is a normal thing, you know. It reminds me of I don't know if you know this, anne, but I used to be a waitress for a long, long time. I was a waitress at comedy clubs and the way that I made my money was on tips, and so I got used to living on an inconsistent income and realizing that there's going to be a couple of days or weeks or months where it's going to be great and then it's going to be slow. Maybe you get cut because it's so slow that they don't need you to be there. But you know, the thing that didn't get cut was my fixed expenses, my rent, my cell phone bill, all of those things.  03:35 So I would say to those are stable. Yeah, figure out what your stable expenses are and make sure that you can keep that as your base and plan for your base Anything on top of that. You know when times are great and when you're making a lot more money, you can use that to keep it to the side for a buffer, but really just know what your base expenses are, which then goes back to our longstanding conversation about knowing your numbers and the data and everything else. If you're too afraid to look at what your expenses are, you're not going to know what your base is that you need to be able to maintain at all times. So really like have the courage, look at what are your expenses that are fixed, that are stable, and know what your base is, and you want to be able to hit your base every single month.  04:22 - Anne (Host) So then, budget around your worst month, not your best month. Yeah, absolutely Right. And and that and the and the numbers on your worst month can can actually like I. I mean, I could say what are your expenses and your worst month would be you didn't make anything. Budget around that. That's what I would say. Right, that's your worst case scenario, and so you'll still need to be able to function. And so what does that mean in terms of if I don't make any income for an entire month, does that mean I should give up my voiceover business, danielle?  04:54 - Danielle (Guest) I don't think so, but I do think that you do need to have some way of knowing that there is income coming in from another form. So maybe it's not the income coming in from your voiceover business, because you didn't make anything that month but you do have a nine to five or you do have a babysitting job or you do have. You know, you do Uber on the weekends or what have you. Just know that there needs to be, that money needs to be coming in from somewhere else. If it's not coming in from somewhere else, then we need to find how can we get to our first dollar. Is it in voiceover? Is it in another way of making money? But make sure that you know that there is some income coming in so that, even if the income from your voiceover business is at zero for the month, you know that there is income coming in from somewhere else that's going to be able to offset and still hit your baseline goal.  05:43 - Anne (Host) And I think your budget right for those months you don't live on that budget. I mean it should be a budget for a budget that is a low-income month, not necessarily like I'm going to continue to go to Starbucks every morning or I'm going to. Maybe that's a necessity, maybe you feel like that's worked into your bare necessities, but is that something that you're willing to give up in a low-income month? Or is going out to dinner? I think that's the biggest one. I think, like my husband and I are like okay, we got to stop going out to dinner, right, because that's an unnecessary expense. If we're trying to tighten our budget during a low-income month, it's mostly like oh, and we're going to go out and spend money doing this, or are we going to go out and spend money doing that? A lot of times it's based around food. Why is that?  06:25 - Danielle (Guest) Yeah, I mean, that's mine as well. It's food, but then sometimes it's you know, if you're going to be spending additional money on things in your business, maybe it's that you forego coaching for the next couple of months because you don't really have the money for that, or maybe you need to forego some other things in your business and subscriptions that maybe can be paused. It's not just what you're doing in your life, it's also things that you can cut back in your business too, so that you can make sure that you know. You know, I know that my fixed expenses for the operations of me are this these are the things that will you know, that are always going to stay the same my housing, food, you know, basic necessities, business expenses.  07:10 - Anne (Host) Business expenses as well, I'm going to say rocket money. I had a free trial and I used it. It's great for finding out those recurring monthly expenses that you have that all of a sudden like oh, that Sirius XM like subscription that I have for my car, which I don't drive very often because I work from home, right, but now I can play SiriusXM everywhere, but still that subscription costs, and it used to only cost like $12.99. Now it's like $25 a month, and so that can help you keep track of those subscriptions that creep up on you that you may or may not be utilizing.  07:44 - Danielle (Guest) And everything is a subscription nowadays, so really you have to. It's so sneaky, but you can find a lot of unused subscriptions and then you can recoup some of that money back just by saying no, thank you to those subscriptions.  07:59 - Anne (Host) Think about your Starbucks as a subscription. That's true, really, if it's something you do every day, I mean really. I mean I know there's a lot of people that that's a daily habit, and you know. Think of that as a subscription. And one other thing I wanted to mention, and I would not have even thought of this really until I incorporated and became an S Corp but I am required to pay myself a salary, right, and that's something that you know.  08:22 When you're trying to like skimp on your, your budget, or you're trying to figure out your expenses, don't forget you need money to live, you need money to buy the groceries, you need money to pay the rent you need, and so I think it's always a good idea, even if you're not an S-corp, to really kind of think about here's the money coming in. A portion of that should be set aside for my expenses, for me, right, that's my salary, and then pay yourself on a set schedule. I think that helps you really get an idea as to okay, here's the money I need to live on, here's the money that's profiting in my business. I don't know. It's just one of those things that maybe it's worth it to take a look at.  09:03 - Danielle (Guest) Absolutely. That should be a core staple that everyone should be doing is you know we're doing this. We're in business to make a profit, and so the idea is I need to get paid, and making sure that you pay yourself first so that you are getting used to, and your business is getting used to, that expense of making sure you're paid. That's the study and that's actually how you can stay steady is okay. I know that I'm going to be paying myself a certain amount every single month. That is the expense of my business to pay me, but that's also how I'm able to pay my bills, keeping that steady, and it doesn't need to be that you wait until you are an S-Corp to do that. I would say try to start doing that as quickly as possible. Once you have established the fact that you're doing this business, you're in business.  09:51 - Anne (Host) I would not have realized that until you know I really started an S-Corp and I should have actually. Again, I needed to take a look at the numbers.  09:59 - Danielle (Guest) Here's the deal when you do have those lean months, it doesn't come as such a shock no-transcript Because if you wait, that is going to be a surprise likely to you where you're not really expecting it. And then you get into a really unfortunate situation where this inconsistent income has caused an inconsistent pattern in how you're paying yourself and how you're putting money to the side. So make sure that when you're paying yourself you're also making sure to take care of your tax liabilities.  11:01 - Anne (Host) Yes, Excellent idea. And another thing, as I look at you here in your brand new, shiny, sparkly studio, right and we've talked about this so many times before is having that financial cushion, right, Having that emergency fund. But I think honestly, like, if you can have more than just that emergency fund, which doesn't get touched under the extreme circumstances of an emergency, but consider having another fund which is, you know, just a one to three cushion fund, right, Right that you have to live in the event that you have a slow month, right, and having that separate fund where you feel secure and confident that you can take from that fund and you're not dipping into that emergency fund. Because I always feel guilty if I'm dipping into my emergency fund. Well, number one, because my emergency fund is heavily invested in my high-yield savings account, which doesn't mean that you can't have a one to three-month cushion also sitting in a high-yield savings account, and so I always feel like, oh, I don't want to touch that because I want to keep earning interest on the greatest amount of money possible Sure yeah.  12:06 And so that's my emergency fund, but also maybe having a separate fund just for, oh, times are lean this month and you know, and I'm going to say, maybe, in order to give me better mental health, I do need a Starbucks today or I do need a pair of earrings today. But I'm going to be a caution. I'm going to caution people to not necessarily go out and shop your, your financial worries away, because you know, that's me. I've definitely been in that trap where, oh, I just need to feel better. Let me go out and buy some new clothes, yeah, or a new lipstick, yeah.  12:41 I think try not to do that. But you know, I think that one to three month other fund that you have will help you to pay the bills.  12:47 - Danielle (Guest) Absolutely. And so then you can use sort of a system where you're making sure that when things are inconsistent and times are a little bit leaner and you're not making as much money, you know what your baseline, your core base expenses are. And then, when things are going really well and you're making a lot more money and you had a really great month, you put some of that money to the side in that cushion fund that's not your emergency fund and when things are low, you use that cushion fund to make sure that you're staying afloat. I like that sort of cycle of making sure that you are taking care of yourself. It's not necessarily feast or famine when things are going really well.  13:28 You have already looked ahead and taken care of yourself, because you know that this is a cyclical business, this is inconsistent. It's an inconsistent income kind of business and you know that one day you're going to need to use the money that you are currently making. Don't just spend everything that you're making. Put it to the side so that when it is inconsistent and when it is a slower month, you're pulling from the times when you had a really great month to keep yourself, you know, in balance. And that's, I think, the way to do it is you should look at this month or any given month, as am I taking care of me now, or am I taking care of me now and me in the future? But always make sure that you are doing that delicate balance.  14:16 - Anne (Host) Speaking of, you know, setting aside money for taxes, and setting aside, you know, that money. Don't forget about retirement guys. Don't forget about a retirement fund. Please don't forget about retirement. One thing I want to say is that and I'm not a money girl, right, or I never thought of myself as a money girl, but can I just tell you, the software companies are making it easier and easier. Like your credit cards are now categorizing your spending, right, Because, of course, they want you to use the credit card more. So they're going to categorize it and you can find out where your expenses are going, and if you use the credit card, you can get 3% back. Blah, blah, blah, blah blah. They want to encourage credit card spending, but also you can use that as a method for really finding out where is all your money going.  14:57 Quickbooks like I never thought. Like my QuickBooks Online. Like you can generate a report literally a report in a matter of seconds, Whereas before it used to be really difficult, man, If you were doing like spreadsheets. And I don't know, Danielle, I can't remember what product you use, but I mean I need something simple, something that does the work for me. Some people are really hardcore and go right into the Excel spreadsheet and that's how they track their budget. But, like for me, I just generate, I flip, I generate a report really quickly in QuickBooks and it tells me, oh my gosh, I spent so much money this month on my expenses going out versus what was coming in, and so I can really then make an educated and strategized decision based upon those reports.  15:39 And I can do, I can generate those reports at the flick of a button. And even if I hate finances right which I know a lot of people don't like to look at their, their money yeah, it's again one of those things. This is your business and it is something that, if you're not looking at it, pay somebody else to do it, like my accountant. Then talk with your accountant and say, hey, look, where's all my money going. Or I found that I had a slow month. And then have that weekly meeting or that monthly meeting that says here, OK, they can break it down for you and say, look, you're, they can generate the reports and they say, look, here's what you're spending on lipstick and or here's what you're spending on restaurants going out, and here's where you can maybe potentially save money. Or think about taking this money that you have left over and putting it into this type of an investment account.  16:23 - Danielle (Guest) This money that you have left over and putting it into this type of an investment account and taking care of future you.  16:29 So you've got sort of the shorter term future you of this one to three months cushion for when times are lean. You've got your emergency fund, which usually I say you know, six to eight months I say closer to for me, yeah, six to eight months, which is a pretty big emergency fund, but that's because we're self-employed and so I want to have a pretty good cushion, or the longer term fund being your retirement. And there are ways, depending on how you have it set up, where, if you're investing in your retirement account, that helps you in tax time because it might lower the amount that you are paying on your taxes.  17:05 So it is always forward looking. It's looking at what's happening today and it's looking at what would be happening in the shorter term future or longer term future. And how can you use the windfall that you have or maybe are not experiencing now? How can you use that to keep you afloat, you know, with your core base expenses. But it really is again going back to do. You know what those core base expenses are Right, and how can you stay, you know, level with them. And if you need to dip into the bank of you, then you can do that with no shame and no problem, knowing that you've already done the work to take care of yourself.  17:44 - Anne (Host) From a girl that's a little less of a money girl to a girl who is a money girl. One thing that always sneaks up on me are those antics annual fees or the recurring right subscriptions or that come up once a year. Because I went from let's not do it every month, let's save and let's do yearly subscriptions, but every once in a while, if I'm not paying attention, that yearly subscription will come up and it'll be taken out of my account and I'll be like whoa, how do you do you prepare yourself? I do For those things. So talk about how you prepare you know some of those things.  18:18 - Danielle (Guest) you know we use the word like surprise expenses, when, like it's kind of like these are super noble things, like yeah, I signed up for that credit card that has that high annual fee.  18:27 - Speaker 2 (Announcement) It was me.  18:28 - Danielle (Guest) It wasn't like some, somebody impersonating me Right large expense, that is, a knowable expense. I typically will put a calendar alert in a month in advance so that I can remind myself that this is coming. For example, my credit cards. I have the American Express Platinum card, I have the American Express Gold card and they have very high annual fees and for some reason I applied for them around the same time of the year and different years. So they, the annual fees, they come and they hit like roughly, like right, one after the other and I always think to myself Danielle, what did you do?  19:05 Why did you do that? Why did you do that? Why did what were you doing in December that you really needed a new credit? Why did you do that right in the same time. And that's, you know, my own personal journey. But I know that it's coming, so I can prepare either a little bit every single month to make sure I'm ready for that, yeah, or because I've given myself that calendar alert saying hey, danielle, just so you know this is coming up next month, I'm already mentally and financially prepared that that hit is about to happen. Most of those, you know, those subscriptions, those annual subscriptions, those are things that are knowable expenses, albeit big expenses. So your calendar is your very best friend. Give yourself the heads up and know that it's coming.  19:49 - Anne (Host) I agree I live by my calendar anyway for a day-to-day schedule of things that I'm doing. And I think if you have a calendar, a financial calendar, I mean my goodness. I mean you could make an easy financial calendar. I use Google Calendar for everything and they're color-coded when do I have coaching sessions? When do I have monthly workouts coming up, when do I have all of these things, holidays and that sort of thing, so you could have a financial calendar that has all of your subscription renewals and or your monthly costs, like those base costs that we talked about, so that you're prepared.  20:25 This month I'm going to plan on spending this amount of money. And also, again, it's one of those things that if you have an accounting software that can be generated in an accounting software easily, your monthly budget, absolutely, and you know it's something that you need to like. And again, I'm talking from a girl. I'm not a money girl, but I have to force myself to do that and take a hard look at what's going out every month and how can I cut? And I recently just said, ok, how can I trim the budget in my company, because I had been like, oh, let me try this software. I'm a big risk taker Danielle, and we talk about this thing, I hoard software too.  21:04 Yeah, I buy software subscriptions, I try things out and then I forget about them sometimes right.  21:10 I was like, oh, I haven't used it. I tried that out, I paid for the subscription, I forgot about it. So every once in a while I have to revisit what am I putting my money into, and has it given me a return on my investment? And if not, I need to trim the fat. And so I really I did that more recently so that I could have money to invest in something different.  21:31 So again I had, and I invest in in people who who work for me, and again I wanted to invest in some additional advertising, and so I needed to get that money from somewhere Right. So I had to kind of figure out where can I consolidate my expenses Right? Can I get, now that you know I've evolved in my business so many years, maybe I don't need this particular, I don't need as much social media, maybe I don't need, you know, that monthly subscription to this particular? You know, pay to play. Am I really using this pay to play?  22:07 And again, you know, figure out what am I? Where's my money coming in? Where am I making the most of my money? And do I want to reinvest my money coming in into that, into getting more of that, or do I want to reinvest my money coming in into that, into getting more of that, or do I want to diversify and maybe explore another genre of voiceover, or I want to get more voiceover work in this particular genre? What's it going to take for me to get there? So I think, really again taking a look at the money, and if you hate looking at money, I suggest, even if you hate looking at money, it's something that you got to do. Consider it an education in running your own business.  22:40 - Danielle (Guest) I would consider, if you hate looking at money, that you really need to look at money.  22:46 - Anne (Host) If you don't like it, then you really need to do it If you don't like it, that's a flag.  22:50 - Danielle (Guest) That's a flag, that's a flag. Run toward it, run toward it.  22:55 - Anne (Host) I love it.  22:55 - Danielle (Guest) I was told by my financial advisor to have money dates with myself, and I think what you're talking about would be a really great thing to do twice a year of these sinking funds, these mini emergency fund or emergency fund, so that you know where you need to divert more of your money in the good months, in the months where you're making so much more money than you planned for. That's really a great thing to do and I would say once or twice a year to reevaluate that, because maybe your one to three month or your short term emergency fund, let's say, is about a couple thousand dollars under. So you know. Ok, you know what. Why don't I put my money and my focus on beefing that up so that when we have these inconsistent months or when we have lower months, I know that I'm good. You won't know until you take the time to really look at it. So give yourself the money date of taking a real look at your money and knowing your numbers about what is your core expenses, what can you maybe trim or what can you press pause on, and then what can you run toward when it's time and when you have the money for it.  24:18 I love the idea of sinking funds. You have a fund specifically for your education, for your just slower months, for things that you do when you book that really big job and maybe you want to take yourself on a nice you know nice dinner or something like that like ways to celebrate. You can have multiple of these sinking funds. That's what something like that, like ways to celebrate. You can have multiple of these, these sinking funds. That's what I like about some of these online accounts where you can have a bank account that will give you an unlimited number of smaller, you know, virtual accounts where you can just put that money to the side I love that that's great.  24:52 - Anne (Host) It's a really great hack that I use.  24:54 That's a new concept and and what I like.  24:57 What I like about how you're talking and you're phrasing this whole conversation is you're talking about funds, right, you're talking about fund accounts, yeah, versus when, when and I don't know if this is just me and my age, but, like whenever I was talked about, well, you need to set up a budget that had a negative connotation and that meant that I wasn't making the money that I should have been making, or I was. You know what I mean? I was somehow lacking in whatever, mostly in money, right, I was lacking in money and the ability to either manage my money or whatever it was, but it had a negative connotation and I think that we need to reframe that whole concept. Again, if we talk about, like, money blocks, right, it could be a form of a money block and, in reality, the term budget, you can rephrase it to say you know, your money funds or your fund account it's giving you more of like a permission to celebrate it because you are strategizing, you are creating a future with a purpose, yes, and your purpose is focused, strategized and smart.  26:03 - Danielle (Guest) Absolutely, and it's purposeful. It's what you've decided that you're going to do. So budgeting for me, when I think about it, it's what am I deciding that I'm going to be spending my money on and this money is allocated towards that thing that I already decided. If you take away the concept that a budget is restricting you, it's not restricting you. It's where you have already pre-purposed and pre-determined where your money is going to go, and then you just do as you set out. It gives you freedom and it puts you in the driver's seat. You decided that you want to spend your money on the Starbucks or your whatever, and isn't that what we?  26:44 - Anne (Host) yeah, Exactly, Isn't that what we decided? Bosses right, we are in the driver's seat. We are the boss Totally, and you know you need to be the boss of all aspects of this business. And I think, if you really take a look at your budgets and or your funding accounts and I love what you just said about the virtual accounts there, Danielle that's a concept that I actually was not aware of, so now I'm going to be researching that because I love that, I love being able to it's like my content buckets for social media, right? This?  27:15 is going to be my fund buckets for Ann's Lipstick, no, for my business. Right For that Starbucks account. I've got money in it. So I think that really gives us a much clearer strategy and purpose when really looking at our business. And again, you always want to go forward and move forward in your business and this is one way that you guys can get there Totally.  27:38 - Danielle (Guest) You are in the driver's seat. These are not things happening to you. You can make the decision as to where you spend your money when it comes, and if you need to dip into the bank of you so that you future you is taken care of, because the you of today did the work to make sure that they were taking care of future. You Love that. That's. What I love about being an entrepreneur is that I'm taking responsibility for myself and taking care of responsibility of myself today and also future me, by putting money into the spending buckets or to the sinking funds, to my retirement account, to my emergency fund, and then I am making these financial decisions with me in mind, because that's my job is to take care of myself and also the people that are around me that I touch with my business, with my life, with my purpose.  28:32 - Anne (Host) And with that lovely words of wisdom, danielle, I'm going to thank you so much. What a great conversation. Yeah, this is a great conversation. Love it, love it, love it. Bosses, I'm going to give a great big shout out to our sponsor, ipdtl. You, too, can connect and network like the money boss that Danielle is. I absolutely love it. I love, love, loved our conversation. Thank you again, bosses. Have an amazing week and we will see you next week. Bye.  28:58 - Speaker 2 (Announcement) Bye. Join us next week for another edition of VO Boss with your host, Anne Ganguzza, and take your business to the next level. Sign up for our mailing list at vobosscom and receive exclusive content, industry revolutionizing tips and strategies and new ways to rock your business like a boss. Redistribution with permission. Coast to coast connectivity via IPDTL.   

Make Designs (with discount)

In this episode of the Investor Fuel Podcast, host Leo Prada speaks with Kip Adkins, a private money lender specializing in financing real estate investors. Kip shares insights into the lending process, the importance of understanding customer needs, and the challenges faced in real estate investments. He discusses a personal experience with a challenging fix-and-flip project, emphasizing the importance of perseverance and strategic planning. The conversation also covers Kip's goals for scaling his business and the significance of integrity and networking in building relationships within the industry.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true ‘white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a “mini-mastermind” with Mike and his private clients on an upcoming “Retreat”, either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas “Big H Ranch”? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

Want to boost your sales by 41% with a simple trust hack? Discover how leveraging online reviews and social proof can transform your brand and skyrocket conversions! In this episode of the Command Your Brand Show, Josh sits down with Scott, CEO of Shopper Approved, to uncover the secrets behind building trust online. Learn how to differentiate real vs. fake reviews, use tools like the game-changing "trust bar," and create a reputation that customers can't resist. Whether you're just starting out or a seasoned e-commerce pro, these actionable insights will help you enhance your brand's credibility and drive results.Scott also shares his journey as a self-made entrepreneur, the story behind his innovative strategies, and how his book, “Reputation King: How to Become the Most Trusted Online Brand in Your Industry,” can guide you to success. Ready to turn your business into a trusted leader? Hit that subscribe button, like the video, and check out Scott's book to start building your reputation empire today! Let's command your brand together!#ecommercebusiness #digitalmarketing #onlinebusiness #whatiscustomerengagement #increasecustomerengagementCHAPTERS:00:00 - Scott Bradley - Shopper Approved05:18 - How Reviews Affect Buying Decisions10:12 - Open vs Closed Review Platforms12:39 - Selling Products Online Strategies17:35 - Identifying Fake Reviews23:35 - Reputation King Book Overview28:17 - Audience for Reputation King29:38 - AI Impact on Ecommerce32:10 - Ecommerce Success Stories39:06 - Free Copy of Reputation King Offer39:53 - Outro40:30 - Like & Subscribe________________________________________________________________________⇩ LOOKING TO COMMAND YOUR BRAND? ⇩BOOK A CALL: With Our Team to See How We Can Helphttps://commandyourbrand.com/book-a-call/BOOK: Grab Your Copy of Our Book, Command Your Brand: Grow Your Impact, Income and Influence in the New Media Landscape, Rated the # PR Book on Amazon:https://www.amazon.com/Command-Your-Brand-Influence-Landscape/dp/B0CJXGKD15________________________________________________________________DOWNLOAD AUDIO PODCAST & GIVE A 5 STAR RATING!:APPLE: https://podcasts.apple.com/ro/podcast/command-your-brand/id1570323509SPOTIFY: https://open.spotify.com/show/0wE8jDVdlpsDCmNx8sYZTQ?si=41fd776e1a6b43be(also available Google Podcasts & wherever else podcasts are streamed_________________________________________________________________⇩ OTHER VIDEO PLATFORMS ⇩➤ RUMBLE: https://www.youtube.com/watch?v=4rInZbdlLiU_________________________________________________________________⇩ SOCIAL MEDIA ⇩➤ TWITTER: https://twitter.com/CYBmedia➤ INSTAGRAM https://www.instagram.com/commandyourbrand➤ FACEBOOK: https://www.facebook.com/commandyourbrand_________________________________________________________________➤ CONTACT: INFO@COMMANDYOURBRAND.COM

Unlock land income opportunities today: Realtors learn how RV parking income turns idle lots into monthly cash flow. Curious how to pitch this to sellers for instant value? This episode shows a practical Realtor land strategy you can use this week.Episode OverviewLand income opportunities aren't just for big developers—Realtors, investors, and everyday landowners can tap into passive RV rental income. In this episode, Mike and Caylee Harrington break down how HookHub helps connect RV travelers with underutilized lots, turning unused property into cash-flowing assets.Realtors will learn how to present land listings with built-in income potential, how to answer client questions like “What's the value of my land if I rent it before selling?”, and how to leverage this strategy to stand out in listing presentations. With market data, pricing examples, and real stories from hosts, this episode shows why the RV lifestyle is more than a trend—it's a business opportunity.Key Takeaways1. Realtors Can Differentiate Listings with Income PotentialBy highlighting land income opportunities, Realtors can show sellers how a property generates cash flow before it sells. This adds value in listing presentations and helps Realtors stand out in competitive markets.2. Passive Land Income Works Without Major UpgradesOwners don't need full hookups to earn. Even raw land or storage parking can create passive land income, giving Realtors an extra strategy when advising clients.3. Demand Comes from Remote Workers and Travel NursesCaylee explains how long-term renters like travel nurses, contractors, and remote workers drive consistent RV parking income. Realtors can frame this trend as proof of steady demand.4. Liability Concerns Are Addressed with Host ProtectionsOne barrier to adoption is landowner liability. HookHub includes host coverage and renter verification, which Realtors can confidently mention when promoting land income opportunities to clients.5. Realtors Can Use HookHub as a Business Growth ToolBy understanding Realtor land strategy and introducing clients to HookHub, Realtors position themselves as trusted advisors who bring creative solutions—not just traditional transactions.ResourcesHookHub – RV rental platform for landowners – https://www.hookhub.coCaylee Harrington LinkedIn – Connect with the guest – https://www.linkedin.com/in/caylee-shea-harrington-2a863134/HookHub Instagram – RV lifestyle updates & listings – https://www.instagram.com/hookhubrv/HookHub YouTube – Learn more about RV hosting & land income – https://www.youtube.com/@hookhubrvPodcast Website – Access past episodes – https://www.thetexasrealestateandfinancepodcast.comMike's Linktree – Mortgage tools & resources – https://linktr.ee/mikemillsmortgageIf you're ready to uncover new land income opportunities, this episode is packed with actionable insights you can use in your...

In this episode of The Personal Finance Podcast, Andrew answers eight questions on tax strategies and retirement planning, covering when investment moves trigger taxes (depends on account type), tax loss harvesting for high earners, why the 75-80% retirement income rule uses pre-tax numbers but you should plan more conservatively, strategic Roth 401k timing in lower tax brackets, a TransUnion data breach affecting 4.4 million Americans, income thresholds where traditional 401ks beat Roth options (24-30% marginal rates), saving for kids' expenses using the five-year investment rule, emergency fund storage as rates drop, and comprehensive pension planning beyond just relying on guaranteed payments. Today we are going to answer these questions: Do you get taxed when moving money from one investment to another inside the same account? How does tax-loss harvesting work? Most retirement rules I've seen state that you want 75 to 80% of your pre-retirement income. Is that before or after taxes? Should you max out a Roth 401(k) in the first quarter of the year because of the lower marginal tax rate? At what annual income should someone avoid a Roth 401(k) and do traditional for tax purposes? Putting money away for kids' wedding, cars, etc.—for when they get older. HYSA or brokerage? What are the best high-yield ways to store an emergency fund? How to plan for retirement with a pension?   How Andrew Can Help You: Listen to The Business Show here. Don't let another year pass by without making significant strides toward your dreams. "Master Your Money Goals" is your pathway to a future where your aspirations are not just wishes but realities. Enroll now and make this year count! Join The Master Money Newsletter where you will become smarter with your money in 5 minutes or less per week Here! Learn to invest by joining  Index Fund Pro! This is Andrew's course teaching you how to invest!  Watch The Master Money Youtube Channel! , Ask Andrew a question on Instagram or TikTok Learn how to get out of Debt by joining our Free Course  Leave Feedback or Episode Requests here.  Car buying Calculator here Thanks to Our Amazing Sponsors for supporting The Personal Finance Podcast Shopify: Shopify makes it so easy to sell. Sign up for a one-dollar-per-month trial period at  shopify.com/pfp Thanks to Policy Genius for Sponsoring the show! Go to policygenius.com to get your free life insurance quote. Indeed: Start hiring NOW with a SEVENTY-FIVE DOLLAR SPONSORED JOB CREDIT to upgrade your job post at Indeed.com/personalfinance Go to https://joindeleteme.com/PFP20/ for 20% off! Shop outdoor furniture, grills, lawn games, and WAY more for WAY less. Head to wayfair.com Get 50% Off Monarch Money, the all-in-one financial tool at www.monarchmoney.com/PFP Chime: Start your credit journey with Chime. Sign-up takes only two minutes and doesn't affect your credit score. Get started at chime.com/  Acorns: Start investing automatically with Acorns and get a $5 bonus at Acorns.com/PFP  Go to https://joindeleteme.com/PFP20/ and Use Promo Code PFP for 20% off!    Links Mentioned in This Episode:  tax loss harvesting,  Connect With Andrew on Social Media: Instagram TikTok Twitter Master Money Website Master Money Youtube Channel   Free Guides: The Stairway to Wealth: The Order of Operations for your Money How to Negotiate Your Salary The 75 Day Money Challenge Get out Of Debt Fast Take the Money Personality Quiz Learn more about your ad choices. Visit megaphone.fm/adchoices

To get live links to the music we play and resources we offer, visit www.WOSPodcast.comThis show includes the following songs:Lauralie - Think About Woman FOLLOW ON SPOTIFYJessica Woodlee - Exit Interview FOLLOW ON SPOTIFYLibby Ember - Alibi FOLLOW ON SPOTIFYShairis - Eden Never Saw FOLLOW ON SPOTIFYClancy - i killed my therapist FOLLOW ON SPOTIFYKailey Conner - Existential Dread FOLLOW ON SPOTIFYSobi - Superstar FOLLOW ON SPOTIFYMozaandNancie - Goodbye FOLLOW ON SPOTIFYJemily Rime - I Don't Think About You FOLLOW ON SPOTIFYLittle Warrior - A Thousand Deaths (By Different Knives) FOLLOW ON SPOTIFYNatalie Groves - Time to Choose Myself FOLLOW ON SPOTIFYClare Cordell - Big Girl FOLLOW ON SPOTIFYLauren Spring - Self Soother FOLLOW ON SPOTIFYBENTO - Paralyzed FOLLOW ON SPOTIFYdaisy - WILD CHILDS FOLLOW ON YOUTUBEFor Music Biz Resources Visit www.FEMusician.com and www.ProfitableMusician.comVisit our Sponsor Profitable Musician Newsletter at profitablemusician.com/joinVisit our Sponsor Cathy Wood at cathywoodmusic.comVisit our Sponsor 39 Streams of Income at profitablemusician.com/incomeVisit www.wosradio.com for more details and to submit music to our review board for consideration.Visit our resources for Indie Artists: https://www.wosradio.com/resourcesBecome more Profitable in just 3 minutes per day. http://profitablemusician.com/join

In the personal finance world, experts are typically keen to recommend all sorts of cutting, saving, hacks, and frugality. Don't get us wrong, all of these have value! However, sometimes, the only prescription is more income. Sometimes, there simply isn't enough fat to cut in order to get on the other side of our financial tensions. Sometimes, we just need to get to work. In today's episode, host Travis Shelton explores this idea and encourages people to view life through the lens of seasons. In some seasons, we might just need to step up and increase that income. Podcast website: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.travisshelton.com/podcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Daily Blog: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://travisshelton.com/blog⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Subscribe to the Daily Blog: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠http://eepurl.com/gB07Ef Podcast Facebook Group: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.facebook.com/groups/370457478238932⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Travis's Instagram:  ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.instagram.com/travis_shelton_⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Travis's Facebook: https://www.facebook.com/travissheltonco/YouTube:  ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.youtube.com/channel/UCasnj17-bOl_CZ0Cb9czmyQTikTok: https://www.tiktok.com/@meaning_over_money

Retirement isn't just a finish line, it's a brand new chapter. In this episode of A Wiser Retirement® Podcast, Casey Smith and Financial Advisor Michaela Dowdy outline eight key things you should focus on starting five years before retirement. While more time is always better, the 3–5 year mark is when many people get serious. Here's how to make the most of it.Related Podcast Episodes:- Ep 276: How to Make Sure You're Ready for Retirement - Ep 245: Strategies for Early Retirement and Long-Term Security Related YouTube Videos:- Investing for Income vs Growth in Retirement: Finding the Balance- The 4% Rule in Retirement Isn't for EveryoneLearn More:- About Wiser Wealth Management- Schedule a Complimentary Consultation: Discover how we can help you achieve financial freedom.- Access Our Free Guides: Gain valuable insights on building a financial legacy, the importance of a financial advisor for business owners, post-divorce financial planning, and more! Stay Connected: - Social Media: Facebook | Instagram | LinkedIn | Twitter- A Wiser Retirement® YouTube Channel This podcast was produced by Wiser Wealth Management. Thanks for listening!

Stephen Grootes speaks to Dr Azar Jammine, Director and Chief economist at Econometrix , about the government’s major labour reform aimed at protecting smaller firms with limited HR capacity. In other interviews, Ulrik Bengtsson, new CEO of Sun International, chats to the group reports steady half-year results. Income rose 3.2% to R6.2 billion, while adjusted headline earnings grew 5.9% to R555 million. Bengtsson says the company’s casinos, online gaming, hotels and resorts give it a strong base for future growth. The Money Show is a podcast hosted by well-known journalist and radio presenter, Stephen Grootes. He explores the latest economic trends, business developments, investment opportunities, and personal finance strategies. Each episode features engaging conversations with top newsmakers, industry experts, financial advisors, entrepreneurs, and politicians, offering you thought-provoking insights to navigate the ever-changing financial landscape. Thank you for listening to a podcast from The Money Show Listen live Primedia+ weekdays from 18:00 and 20:00 (SA Time) to The Money Show with Stephen Grootes broadcast on 702 https://buff.ly/gk3y0Kj and CapeTalk https://buff.ly/NnFM3Nk For more from the show, go to https://buff.ly/7QpH0jY or find all the catch-up podcasts here https://buff.ly/PlhvUVe Subscribe to The Money Show Daily Newsletter and the Weekly Business Wrap here https://buff.ly/v5mfetc The Money Show is brought to you by Absa Follow us on social media 702 on Facebook: https://www.facebook.com/TalkRadio702702 on TikTok: https://www.tiktok.com/@talkradio702702 on Instagram: https://www.instagram.com/talkradio702/702 on X: https://x.com/CapeTalk702 on YouTube: https://www.youtube.com/@radio702 CapeTalk on Facebook: https://www.facebook.com/CapeTalkCapeTalk on TikTok: https://www.tiktok.com/@capetalkCapeTalk on Instagram: https://www.instagram.com/CapeTalk on X: https://x.com/Radio702CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567 See omnystudio.com/listener for privacy information.

Join the DARKNESS SYNDICATE for the ad-free version: https://weirddarkness.com/syndicateA desperate groom agrees to be buried alive for quick cash—only to find death might not wait for the carnival curtain to drop. Hear “Final Resting Place” from MACABRE! | #RetroRadio EP0500CHAPTERS & TIME STAMPS (All Times Approximate)…00:00:00.000 = Show Open00:01:30.028 = CBS Radio Mystery Theater, “The Mission of Atropos” (October 19, 1976)00:44:35.795 = Lux Radio Theater “Smilin' Through” (January 05, 1942)01:43:01.323 = Macabre, “Final Resting Place” (November 13, 1961) ***WD (LQ)02:10:32.978 = Philip Marlowe, “Lady Killer” (August 20, 1949)02:40:15.000 = Clyde Beatty Show, “Land of the Giants” (1950-1951) ***WD03:07:46.503 = The Black Mass, “O Mirror Mirror” (February 12, 1964) ***WD03:22:49.606 = Beyond Midnight, “A Man Called Hobard” (May 09, 1969) ***WD03:50:03.075 = MindWebs, “Weep No More” (May 20, 1979)04:16:22.062 = Hollywood Theater, “Sitting Duck” (December 17, 1952) ***WD04:45:18.587 = Show Close(ADU) = Air Date Unknown(LQ) = Low Quality***WD = Remastered, edited, or cleaned up by Weird Darkness to make the episode more listenable. Audio may not be pristine, but it will be better than the original file which may have been unusable or more difficult to hear without editing.Weird Darkness theme by Alibi Music LibraryABOUT WEIRD DARKNESS: Weird Darkness is a true crime and paranormal podcast narrated by professional award-winning voice actor, Darren Marlar. Seven days per week, Weird Darkness focuses on all thing strange and macabre such as haunted locations, unsolved mysteries, true ghost stories, supernatural manifestations, urban legends, unsolved or cold case murders, conspiracy theories, and more. On Thursdays, this scary stories podcast features horror fiction along with the occasional creepypasta. Weird Darkness has been named one of the “Best 20 Storytellers in Podcasting” by Podcast Business Journal. Listeners have described the show as a cross between “Coast to Coast” with Art Bell, “The Twilight Zone” with Rod Serling, “Unsolved Mysteries” with Robert Stack, and “In Search Of” with Leonard Nimoy.= = = = ="I have come into the world as a light, so that no one who believes in me should stay in darkness." — John 12:46= = = = =WeirdDarkness® is a registered trademark. Copyright ©2025, Weird Darkness.= = = = =#ParanormalRadio #ScienceFiction #OldTimeRadio #OTR #OTRHorror #ClassicRadioShows #HorrorRadioShows #VintageRadioDramasCUSTOM WEBPAGE: https://weirddarkness.com/WDRR0500

In Episode 273 of The Cardone Zone, Grant Cardone goes deep into the truth about money—what it really is, how it works in today's society, and why so many people are stuck in financial quicksand. It might sound simple and a bit naive. But when it comes down to it, simple is the name of the game. It doesn't take a genius to figure out that if you're going to deposit 10 dollars into an account to save, rest assured that you will withdraw 6 or 3 or 1 when you are done saving, since the money that you are depositing no longer buys the goods that you could purchase with those 10 dollars. Grant makes it clear: to create real wealth, you must increase your income and build multiple flows of revenue. But it doesn't stop there. Grant exposes the money traps that have been carefully laid out in front of you by financial institutions—the very same ones that tell you to “save your money” when they know very well that cash is a commodity in rapid decline.  Saving alone will never get you free. Why income creation is your #1 tool for building wealth. How to identify and escape the financial traps designed to keep you broke. The truth about saving money versus multiplying money. A clear path toward real wealth creation, not just surviving paycheck to paycheck. Follow Grant on all social platforms @GrantCardone Visit GrantCardone.com and 10XStudios.com for resources, tools, and strategies to take control of your financial future.

Dave Ramsey and George Kamel answer your questions and discuss: "We're $500K in debt, can we afford new cars?” "My girlfriend will lose her pension if we get married" "How do we pay off $500k of medical debt?" "Is there a limited amount of wealth available?" "My husband keeps refusing to combine finances," "Should we usse our savings to pay off our student loans?" Living paycheck-to-paycheck on $600K a year. Next Steps: ✔️⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠