Podcasts about Income

How much should you save based on your income? In this episode, Brian and Bo break down exactly how to build wealth at $50,000, $100,000, $150,000, and $300,000 per year. Learn realistic savings rates, retirement projections, emergency fund targets, budgeting frameworks, and the mindset shifts that can help you achieve financial independence regardless of where you start. Whether you're trying to maximize a modest income, avoid lifestyle creep, invest more effectively, or create a retirement plan that works, this guide shows how disciplined saving, investing, and smart financial planning can help you win with money. ⁠⁠⁠⁠Jump start your journey with our FREE financial resources⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠Reach your goals faster with our products⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠Take the relationship to the next level: become a client⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠Subscribe on YouTube for early access and go beyond the podcast⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠Connect with us on social media for more content⁠⁠⁠⁠⁠⁠⁠ Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life. Learn more about your ad choices. Visit megaphone.fm/adchoices

Commercial real estate offers unparalleled wealth-building opportunities, but executing a massive value-add strategy requires immense stamina, risk capital, and a clear vision. In this episode, we break down the acquisition and stabilization of Pirate Plaza, a 65,000 square foot shopping center in Oklahoma initially purchased at just $12 per square foot with only 30% occupancy.The discussion reveals the hard-fought lessons of navigating complex lease negotiations with national credit tenants like TJ Maxx and Harbor Freight, including the absolute necessity of hiring specialized legal and consulting teams. Furthermore, we explore the often-overlooked strategy of partnering with local city governments and economic development offices to secure vital project funding, such as forgivable loans, ensuring a profitable revitalization.KEY TOPICS DISCUSSEDValue-add commercial real estate acquisition and stabilization strategies.Transforming a 30% occupied retail center into a high-performing asset.The process of negotiating long-term leases with national credit tenants like TJ Maxx and Harbor Freight.Leveraging public-private partnerships to secure municipal funding and forgivable loans.The critical role of specialized commercial real estate attorneys and consultants in mitigating risk.Upgrading asset valuation through triple net leases and investment-grade tenant placement.KEY TAKEAWAYSVision acts as an investor's greatest competitive advantage when acquiring underperforming assets that require significant structural and tenant turnarounds.Securing national credit tenants is a complex, heavily scrutinized process that demands specialized legal representation to navigate 100-page leases and avoid leaving money on the table.City governments possess economic development budgets and tools like forgivable loans, making them highly valuable capital partners for community-enhancing commercial projects.The most lucrative real estate deals intentionally filter out competition through long timelines, high complexity, and substantial capital requirements.Surrounding yourself with expert advisors, from retail leasing attorneys to specialized lenders, acts as a critical force multiplier for successful commercial executions.CONNECT & TAKE ACTIONWealth Intelligence Brief: Text "WIB" to 844-447-1555 to get Matty's free macro data, real estate intel, and crypto signals delivered to your inbox 3 times a week.Imagos Income Fund: Text "INCOME" or "DEALS" to 844-447-1555 to learn more about Matty A's private debt fund targeting 10% fixed returns paid out monthly.

In this episode, we ask: Have you tied on your belt? What is happening with the CPI? Where is worker confidence listed with ABRI? What is the median savings for people in the U.S.? What age bracket is buying whole life insurance in droves? What is the black belt? Are you leaking wealth? Is your...

Send us Fan MailYou can have the perfect offer, the perfect niche, and a perfectly fine strategy and still stay stuck at the same income level. The real issue is rarely tactics. It's the thought you carry into the moment where you have to ask, invite, pitch, and name a price. If selling secretly feels like taking, your brain will protect you by avoiding the very conversations that grow your business.We get honest about the money shame we hear from heart-centred coaches all the time: “I want to make more money, but…” But turns into awkward outreach, soft offers, and no follow-up, because the underlying belief says charging makes you a bad person. We break down why that belief is so common, how it shows up in your behaviour, and why giving everything away for free often leads to zero implementation while meaningful pricing creates skin in the game and real results.We also dig into the difference between conscious beliefs (“money is freedom”) and the unconscious story that actually drives your actions. Once you bring that hidden belief into the light, you can self-coach it instead of letting it run your business. Finally, we share a simple reframe for ethical sales: sell people on their goals and the transformation you can help create, then let them choose, without deciding for them by staying silent.If this hits home, subscribe, share it with a coach friend, and leave a review with the money belief you're ready to challenge.Want to show up as the best version of you in the moments that matter most?Start by taking our 2-minute quiz at modernleadership.us/quiz!If you're ready to stop relying on motivation and start building the mindset, habits, and self-leadership skills that create lasting change, check out the Self-Leadership Lab from Modern Leadership Coaching.The Lab is designed to help you develop the internal capacity to follow through on the goals that matter most—whether that's your health, your relationships, your business, or your life.Learn more at modernleadership.us/lab.

There's just something about dividends. The popular investing strategy attracts retirees and other investors who need regular cash payouts, as well as those who like the tangible return dividends represent, even if they are reinvesting those distributions back into their portfolio. But what are the tradeoffs, and are they worth it? It depends on who you ask. From the pages of the Q2 2026 issue of Morningstar Magazine, several specialists argue against chasing higher yield. Instead, they encourage investors to balance dividends and total return. Jerry Kerns, who's the editor in chief, joins Investing Insights to discuss the magazine's spotlight.  Featured Article: Subscribe to Morningstar Magazine On this episode:  00:00:00 Welcome  00:01:35 What dividend investing is and its appeal  00:03:55 Yield chasing trade-offs and dividend cut signals  00:07:47 Why consider buyback yield alongside dividend yield  00:09:44 Dividend stocks Morningstar analysts find attractive  00:10:45 Gold-rated funds and insights into the strategies  00:12:00 How income investors can strike the right balance   Watch more from Morningstar:  Are Mutual Funds Becoming Obsolete?  https://www.morningstar.com/podcasts/investing-insights/are-mutual-funds-becoming-obsolete-2   Brace Your Portfolio for Mega-IPOs https://www.morningstar.com/podcasts/investing-insights/brace-your-portfolio-mega-ipos-2   The Portfolio That Has Been Beating the Classic 60/40, and Why It Matters for You https://www.morningstar.com/podcasts/investing-insights/portfolio-that-has-been-beating-classic-6040-why-it-matters-you-2   Follow Morningstar on social:  Facebook: https://www.facebook.com/MorningstarInc/  X: https://x.com/MorningstarInc Instagram: https://www.instagram.com/morningstarinc/  LinkedIn: https://www.linkedin.com/company/morningstar/ Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

About This EpisodeHere's something that almost never gets talked about in personal finance: most people are both overpaying for insurance and dangerously underinsured — at the same time. In this episode, David Chudyk, CFP® breaks down exactly how that happens, which gaps most commonly cost people everything, and the four-step annual insurance audit every wealth-builder should be doing.What You'll LearnWhy insurance gets ignored — and why the industry is designed to let it happenThe four most common places people overpay (including one hiding in plain sight for business owners)The single most underutilized piece of asset protection available — and why it costs less than most people thinkThe three insurance gaps that can end a business, not just hurt itA four-step annual insurance audit you can actually doWhy your financial advisor and your insurance agent are probably never talking to each other — and what that gap costs youEpisode Timestamps0:00 — Cold Open: The two insurance problems most people have simultaneously2:00 — Why insurance gets ignored: the set-it-and-forget-it trap6:00 — Where people overpay: collision on old vehicles, duplicate coverage, whole life misuse12:00 — Where people are underinsured: umbrella policies, life insurance drift, disability18:00 — The business owner's trifecta: key person, cyber liability, E&O23:00 — The annual insurance audit: four steps to close the gaps28:00 — Close and how to connect with DavidKey TakeawaysMost people are carrying policies designed for who they were — not who they are now. Income, assets, and risk profile all change. Insurance usually doesn't keep up.A $1 million umbrella liability policy costs roughly $150–$300/year. It's the most underused, underpriced form of asset protection available to individuals with meaningful net worth.About 20% of Americans with $5M+ in assets carry no umbrella policy — leaving their full net worth exposed in a lawsuit.Business owners face three specific coverage gaps that can end a company: no key person insurance, no cyber liability coverage, and no errors & omissions (E&O) policy.Your ability to earn income is your most valuable financial asset — and most people have almost no protection for it through private disability coverage.The biggest structural problem: your financial advisor and your insurance agent are almost never talking to each other. That gap is where wealth gets destroyed.The Annual Insurance Audit: 4 StepsStep 1: Pull every policy you have — home, auto, life, disability, umbrella, all business lines.Step 2: Match coverage to current reality — net worth, home value, business size, family situation.Step 3: Check for the five gaps — umbrella, disability, life insurance adequacy, business trifecta (key person / cyber / E&O), and outdated or duplicate coverage.Step 4: Make sure your advisor sees the full picture — someone needs to look at insurance and wealth planning together.Connect With DavidFree 20-Minute Vision Call: weeklywealthpodcast.com/visionBusiness Owner Exit Score: weeklywealthpodcast.com/prescoreAll Episodes & Resources: weeklywealthpodcast.com

Brad Coverdale, EdD, is a Structural Income Coach and creator of the Calendar to Cash Method. He helps solopreneur parents turn a packed weekly calendar into a predictable take-home income without adding hours. The core tool is Income per Owner Hour (IPOH): the one number most solopreneurs never calculate. It explains why a full calendar doesn't mean a full paycheck.Before building Calendar to Cash, Brad spent 18 years as a Decision Strategist at the University of Maryland Global Campus on the institutional analytics side, turning messy data into one target and one next move for programs serving 100,000+ learners. The same discipline applies here. Find the number. Fix the structure. What the business produces actually reaches the family. Brad works with coaches, consultants, agency owners, and other solopreneurs running service-based businesses where the calendar is full, and the math underneath isn't working.Connect with Brad here:https://www.linkedin.com/in/bradcoverdale90dayraise/https://www.facebook.com/calendartocashhttps://www.instagram.com/cybercrusader83/calendar2cash.com/stop (COUPON CODE "SCOTT")Take our free LinkedIn Scorecard Assessment here:https://www.thetimetogrow.com/ecs-scorecard

In this episode of Beyond Limits, Liv unpacks one of the biggest reasons entrepreneurs hit an income ceiling, and it's probably not what you think.If you've been working harder than ever, tweaking every strategy, staying up late perfecting your offers, and wondering why your income isn't growing alongside your effort, this episode is for you.Inside this episode:✨ The hidden reason your income may have reached a ceiling

The latest Federal Reserve policy shifts and rising geopolitical tensions are reshaping the financial landscape. With Jerome Powell exiting and Kevin Warsh signaling a tighter-lipped Fed, investors face renewed market uncertainty and an end to traditional forward guidance. This episode breaks down how the ongoing Iran conflict is dictating oil prices and the timeline for interest rate cuts, while exploring why the stock market continues to offer the best risk-to-reward ratio for capital deployment.The conversation also dives into the massive economic potential of advanced AI and robotics, analyzing predictions from industry leaders regarding the automated future of the global labor market. We evaluate the current hyper-supply phase of the real estate market cycle, the potential massive liquidity injection from the upcoming Crypto Clarity Act, and the exact $5 million financial milestone needed to achieve true freedom in today's economy.KEY TOPICS DISCUSSEDFederal Reserve policy changes and the elimination of forward guidance under Kevin Warsh.Geopolitical impacts of the 60-day MOU in the Iran conflict on global oil prices.Short-term stock market corrections and interest rate cut predictions for the coming year.Institutional investments, warm water cooling, and the bullish outlook for Nvidia.SpaceX IPO lockup periods and why short-term valuation pressures exist for early retail buyers.The integration of advanced humanoid robotics into global labor markets and factory infrastructure.The upcoming US House committee hearing on the Crypto Clarity Act and its potential market impact.Phase three and four of the Mueller real estate cycle and how to acquire undervalued commercial assets.Leveraging life insurance arbitrage to invest in real estate debt funds for positive yield.KEY TAKEAWAYSThe Federal Reserve's decision to drop forward guidance removes the market's reliance on predictable rate cuts, signaling a return to historically normal, higher interest rate environments.Global oil prices remain the primary linchpin for future interest rate decisions, as energy costs directly drive producer costs and broader inflation metrics.Advanced robotics and AI infrastructure are poised to offset massive global labor shortages, presenting one of the most lucrative long-term investment vectors of the next decade.The real estate market is currently navigating the hyper-supply and recession phases of its cycle, making this the ideal time for patient capital to acquire distressed assets before rate cuts occur.Achieving a liquid, risk-free baseline of $5 million in Treasury bills provides a mathematical guarantee of financial freedom, effectively covering lifestyle costs through pure interest yield.CONNECT & TAKE ACTIONWealth Intelligence Brief: Text "WIB" to 844-447-1555 to get Matty's free macro data, real estate intel, and crypto signals delivered to your inbox 3 times a week.Imagos Income Fund: Text "INCOME" or "DEALS" to 844-447-1555 to learn more about Matty A's private debt fund targeting 10% fixed returns paid out monthly.

You've been undercharging. You've been giving away too much. And every time a client pushes back on price, you fold before they even finish the sentence. Here's the truth: the problem isn't your pricing. It's your positioning. And the moment you stop apologizing for your value is the moment everything changes. Chris Do is the founder of The Futur and has taught hundreds of thousands of creatives, entrepreneurs, and builders how to charge what they're actually worth. He's built a career mastering the art of negotiation, personal branding, and pricing psychology, and in this episode, he's breaking down the exact frameworks that separate people who get paid like amateurs from people who get paid like experts. In this episode, you'll learn: Why charging more is more ethical than charging less and how underpricing hurts your clients, your team, and your ability to deliver real value The with or without you energy: how to walk into every negotiation knowing you're the prize and why neediness kills deals before they start Price bracketing: the exact way to present your pricing so clients anchor high and negotiate themselves up instead of down Why most entrepreneurs don't have a marketing problem, they have a positioning problem, and how being specific makes you more money than trying to serve everyone The mindset shift that lets you charge 10x more: understanding that money is a construct, scarcity creates value, and brand is what makes people pay premium prices for the exact same thing Stop selling yourself short. Start owning your value. The clients who can't afford you aren't your clients. The ones who can are waiting for you to believe it first. ___________ (00:00:00) Introduction: You Are the Master of Your Destiny, Not the Client (00:00:40) The Chris Do Move: How to Ask for What You're Worth Without Being Delusional (00:02:48) With or Without You Energy: The Mindset That Changes Every Deal (00:07:01) Charging More Is More Ethical Than Charging Less (00:08:53) The Pricing Game: Price Bracketing, Anchoring, and Never Justifying Your Number (00:12:50) How to Find Out What Clients Really Have: The Budget Excavation Method (00:17:01) The Manipulation Behind Luxury Goods: Stories, Scarcity, and Status (00:22:48) Money Is a Construct: The $800 Day Rate Story and Playing the Game (00:25:05) From Vietnam to Mercedes: Writing Your New Self-Story Through Mastery (00:27:16) What Is Brand and Why Does It Matter More Than Marketing (00:31:13) Don't Try to Be Better, Be Different: The Sea of Sameness Problem (00:32:25) The Imogene and Willie Test: What Story Are You Telling Yourself (00:35:18) Fake It Till You Make It or Believe It Till You Achieve It (00:37:41) You Don't Have a Marketing Problem, You Have a Positioning Problem (00:42:03) The Three Monsters: Perfection, Advice, and People Pleasing (00:49:15) Visualizing Success: Designers Are Futurists Who Imagine the Optimal Path (00:54:52) Passion Follows Mastery: The YouTube Origin Story (00:59:25) The Rich Owner Versus Poor Owner Mindset: Business Archetypes and Self-Sabotage (01:05:54) I'm My Own Number One Fan: Loving Yourself and Handling Trolls (01:09:37) Infusing Soul Into Your Brand: Flip the Cliché and Build Your World ___________ MORE FROM BIGDEAL

Description Many Black and African entrepreneurs possess powerful knowledge and lived experience but have been taught to only use those gifts within traditional jobs or business structures. In this conversation, Stevii Mills explains how entrepreneurs can package their expertise into coaching programs, digital products, workshops, and other income-generating opportunities. This episode explores visibility, ownership, storytelling, and the power of turning what you already know into a scalable business.   Bio Dr. Stevii Aisha Mills is a Visibility Coach and Strategist with over 30 years of experience in marketing and public relations and 16 years as an entrepreneur. She helps high achieving professionals turn their knowledge and expertise into income generating opportunities so they can increase their impact and live the life they love. A two time six figure business owner, author, and podcast host, Dr. Stevii has been featured on major platforms including BET, CBS, FOX, and ABC. Through her work and community, The Permission Slip Club, she empowers others to confidently step into visibility, monetize their experience, and get paid for what they already know.   Resources & Mentions Connect with Stevii Mills Facebook: https://www.facebook.com/stevii.mills Website: www.stevii.com   Episode Contributors Host: Taryell Simmons Guest: Stevii Mills Music: Will Maker Production: RISE Urban Nation

Real estate agents spend their careers chasing predictable, consistent income. They want to be able to plan their lives, support their families, grow their businesses, and stop waking up every month wondering where the next closing is going to come from. But the problem is, income is an outcome, not something that happens automatically. Consistent income is created by consistent action. It comes from the conversations we start, the relationships we nurture, the value we provide, the follow-up we actually complete, and the lead generation habits we repeat even when we don't feel like doing them. We want the stability, but we resist the structure that creates it. We want a business that feels predictable, but we keep changing our strategy before anything has enough time to work. We look for the next tool, script, platform, or market opportunity, when the real breakthrough might be much simpler: identifying the business-building activities that match who we are, then doing them consistently enough to create momentum. So how do we stop chasing income and start creating the habits, systems, and consistency that lead to it? In this episode, I'm joined by Dan Rochon, real estate coach, author of Teach to Sell, and creator of the No Broke Months framework. Together, we talk about what it really takes to build predictable income in real estate, how to choose the right lead generation strategy for your personality and business, and why consistency is still one of the most underrated advantages an agent can have. Things You'll Learn In This Episode   Consistency is boring before it becomes profitable The activities that create the most income are often the least exciting ones. So how do we train ourselves to keep doing the work when the work stops feeling new? Your superpower should shape your lead generation Not every agent needs to cold call, host open houses, run ads, or build a YouTube channel. How do we identify the business-building activities that actually match who we are? Prospecting, marketing, and networking all cost something Some strategies cost time. Others cost money. Some cost both. How do we decide which lead generation path makes the most sense for the season of business we're in? AI won't replace the agent who knows how to lead Consumers may have more tools, more data, and more ways to avoid us, but they still want trusted human guidance. How do we position ourselves as the expert they choose when technology gives them endless options?   About the Guest Dan Rochon is a keynote speaker, human behavior expert, real estate broker, podcast host, and author of Teach to Sell, who helps sales professionals make better decisions, build trust, and create consistent income without pressure-based selling. With more than 20 years of experience in real estate, Dan is an active Associate Broker serving Virginia and Maryland, where he guides clients through high-stakes decisions every day. His work has given him a front-row seat to the way fear, urgency, and uncertainty shape human behavior when the stakes are high. Dan is also a former Operating Principal of a Keller Williams brokerage and host of the No Broke Months podcast. His book, Teach to Sell, published by Post Hill Press and distributed by Simon & Schuster, is written for salespeople who hate selling and anyone who wants a better way to influence through clarity, trust, and consistency. To get the book, visit https://www.teachtosellbook.com/ or your bookstore of choice.   About Your Host Marki Lemons Ryhal is a ​​Licensed Managing Broker, REALTOR®, and avid volunteer.  She is a dynamic keynote speaker and workshop facilitator, both on-site and virtual; she's the go-to expert for artificial Intelligence, entrepreneurship, and social media in real estate. Marki Lemons Ryhal is dedicated to all things real estate, and with 25+ years of marketing experience, Marki has taught over 250,000 REALTORS® how to earn up to a 2682% return on their marketing dollars. Marki's expertise has been featured in Forbes, the Washington Post, Homes.com, and REALTOR® Magazine.   Subscribe, Rate & Review Check out this episode on our website, Apple Podcasts, or Spotify, and don't forget to leave a review if you like what you heard. Your review feeds the algorithm, so our show reaches more people. Thank you!     

In the headlines today, Thailand records fewest births in 75 years, continuing the troubling trend of population decline, in Chiang Mai, a railway tunnel collapse has had fatal consequences, in ASEAN News, three students have been killed in  Philippines school shooting, in Phuket, an Australian motorist has been detained after striking a police checkpoint, in cannabis news Thailand is setting tougher punishments for businesses caught breaking rules, and a little later the government has announced a 12-year plan to turn Thailand into a high-income economy.

Does your income feel unpredictable even when your work stays the same? If you are a VA, OBM, or done-for-you service provider stuck in the good month, slow month cycle, the problem is usually not your rates, your visibility, or your number of leads. So why does one month feel amazing and the next leave you anxious about what is coming? Why do retainer clients still keep you checking Stripe first thing in the morning? And why is the real fix so different from getting more clients? This episode gets into why income feels so unpredictable for so many service providers, and the one shift that finally makes it feel stable.In this episode:✨ Why unpredictable income is a structure problem, not a visibility problem✨ What reactive income is and why it keeps you stuck✨ Why more clients will not break the good month, slow month cycle✨ The real reason retainer clients still leave you anxious✨ The one question to ask about your last five clients 

Launched in 2022, the Nestlé Income Accelerator is a family centred approach designed to help close the living income gap for cocoa farming families and reduce child labour risks. The program encourages change at household and farm level and rewards practices that contribute to improved livelihoods, environmental stewardship and community resilience. During this webinar, Nestlé shared the latest results of the program that is accelerating impact at scale, drawing on an independent impact assessment by the KIT Institute, insights from participating households, and feedback from partners implementing the initiative on the ground. The discussion brought together independent expert, an implementing partner, a cocoa farmer and a community advocate offering an opportunity for open exchange on what is working, what needs improvement, and how lessons learned can inform future approaches across the sector.    

Most veterans with a VA loan are getting three to four mailers a day from lenders, and almost none of them mention the VA IRRRL explained simply and honestly.If you have an existing VA loan and rates have dropped since you closed, you may already qualify to lower your payment without a new appraisal, without income documentation, and without starting the mortgage process from scratch. The problem is most veterans don't know this program exists, and the ones who do are getting misled by online lenders hiding fees in the fine print.In this episode, mortgage expert Michael Yates from My Home Lending breaks down everything you need to know about the VA Interest Rate Reduction Refinance Loan, also called the VA IRRRL or VA streamline refinance, including:✅ Why the VA streamline refinance process requires no appraisal and no income verification✅ Exactly what documents you actually need to get started✅ How the VA IRRRL funding fee works and why disabled veterans may pay zero✅ The VA's net tangible benefit requirement and what it means for your savings✅ Why veterans using this program can skip two mortgage payments at closing✅ The VA IRRRL eligibility requirements including loan seasoning rules✅ The biggest mistakes veterans make when evaluating their veterans mortgage refinance options✅ How to spot predatory mailers and why working with a trusted referral protects youThis is one of the most underused VA loan benefits for veterans available right now. If you have a VA loan and a higher rate, watch this before you call anyone.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Dr. Willie Jolley.

Jim and Chris discuss listener emails on delayed Social Security credits, annuity provider ratings, DIA versus QLAC income planning, and fixed indexed annuity (FIA) recommendations. (10:30) A listener shares a long delay in receiving additional Delayed Retirement Credits on their Social Security benefit and asks whether there are any further steps to take or whether patience is the best option. (26:00) Another listener passes along Kiplinger reader survey results on annuity providers and asks whether the information may be useful in a broader discussion about choosing an insurance company. (45:00) The guys are asked when a deferred income annuity (DIA) might be better than a qualified longevity annuity contract (QLAC) inside an IRA, especially given the potential RMD and tax advantages of a QLAC. (1:15:45) Jim and Chris respond to a listener nearing retirement who was advised to move TSP G Fund money into a fixed indexed annuity (FIA) and wants to understand whether that is better than keeping the funds in the TSP and using a withdrawal strategy. The post Social Security, Annuities, Income, Annuities: Q&A #2625 appeared first on The Retirement and IRA Show.

In this episode, I'm going to show you how Realty Income, ticker O, has paid me about $50,000 dollars in dividends since I started my channel on youtube almost 7 years ago. I'll also tell you how I got to this point, and how you can too, because that's frankly the most important part of all this. Finally I'll close things off by explaining why leaving a massive, unrestricted inheritance to your kids, might actually be the worst financial move you can make. Join the world's largest free Dividend Discord ➜ https://discord.gg/kkSr5FY Join my channel membership as a GenEx Partner to access new perks: https://www.youtube.com/channel/UCuOS-UH_s4KGhArN6HdRB0Q/join Seeking Alpha Affiliate Referral Link ➜ https://link.seekingalpha.com/2352ZCK/4G6SHH/ Click my FAST Graphs Link (Use coupon code AFFILIATE25 to get 25% off your 1st payment) ➜ https://fastgraphs.com/?ref=GenExDividendInvestor Please use my Amazon Affiliates Link ➜ https://amzn.to/2YLxsiW Thanks! As an Amazon Associate I earn from qualifying purchases. Support me & get Patreon perks ➜ https://www.patreon.com/join/genexdividendinvestor Use my Financial Modeling Prep affiliate link for awesome stock API data (up to a 25% discount) ➡️ https://site.financialmodelingprep.com/pricing-plans?couponCode=genex25

Jim McTague. Jim McTague analyzes Lancaster County's economy, noting a surge in tourism at local amusement parks. He highlights how falling gasoline prices have increased disposable income, leading to more aggressive consumer spending at retailers.1942 LANCASTER

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Cassandra Lester.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Cassandra Lester.

The Four Phases of Making Money Online With ChatGPT (And Exactly Which One You Should Be In Right Now) | Entrepreneur AI Guide Episode Summary Make money online as an AI entrepreneur by understanding ChatGPT's four income phases. Tracy breaks down the evolution from 2022's prompt-selling craze through 2025's audience-driven, systems-based models—and reveals exactly which phase matches your skill level and timeline. If you've wondered whether it's too late to build AI side income, this episode shows you're probably using outdated tactics. The future isn't about tools; it's about positioning. https://DarkHorseEntrepreneur.com Tracy breaks down the full evolution of making money with ChatGPT — from the wild west prompt-selling days of 2022 all the way through to the audience-driven, systems-based income models dominating 2025 and beyond. Ace walks through four distinct phases of the ChatGPT economy, explains why most people are playing the wrong phase right now, and reveals the one mindset shift that separates parents who build real AI-powered income from those who keep chasing the next shiny tool. If you've ever wondered whether it's too late to make money with AI, this episode gives you the honest, no-fluff answer. AI Micro Business Newsletter - https://DarkHorseInsider.com     In This Episode You'll Discover Why the ChatGPT prompt-selling gold rush collapsed by March 2023 — and what actually replaced it The four distinct phases of the ChatGPT economy and exactly which one has the real money right now Why the skill you're selling was never ChatGPT — and what you're actually selling instead The concept of information asymmetry and why your niche expertise is worth more than any AI tool on the market Why owning your audience is the only moat that survives every AI model update The invisible threshold between trading time for money and building a system that runs without you Why being a business person who uses AI beats being an AI person trying to do business — every single time     Key Timestamps 00:00 - Opening: The AI side hustle window is closing 01:10 - The before-ChatGPT era and what changed in November 2022 01:50 - Phase 1: The prompt engineers and the first wave of money-makers 02:50 - Phase 2: The shift from knowledge to implementation 04:30 - Phase 3: Selling systems instead of labor 05:05 - Phase 3.5: The GPT Store opportunity 07:45 - Phase 4: What's coming and why it changes everything 08:40 - The uncomfortable truth about the easy money phase 09:50 - Information asymmetry — the real scaling mechanism 11:50 - The uncomfortable truth about timing 12:35 - Which phase should YOU be in right now? 15:20 - The oldest pattern in economic disruption 17:30 - Whiskered Wisdom: The shovel doesn't dig the mine     Key Quotes From This Episode "Those people weren't actually selling prompts. They were selling permission — the feeling that you could do something you weren't sure you could do." "The skill you're selling isn't knowing ChatGPT. It's knowing your market so well that you can make ChatGPT produce what your market is actually hungry for." "You need to be a businessperson first — a businessperson who just happens to use AI. Not an AI person trying to be a businessperson." "The actual scaling mechanism in an AI-powered business isn't the AI. It's information asymmetry." "The AI is invisible. The business is visible." "The real game is always the same game: build trust, deliver results, and repeat. The AI just makes those first two steps way faster." "The shovel does not dig the mine. The miner does."     The Four Phases of ChatGPT Income — Quick Reference Phase Model Status Phase 1 Sell Knowledge (Prompts, Courses) Closed Phase 2 Sell Labor (Implementation Services) Narrowing Phase 3 Sell Systems (Agencies, Automation) Open Phase 3.5 GPT Store (Custom GPT Subscriptions) Wide Open Phase 4 Own Your Audience (Email List, Community) The Gold Mine     Your Action Step — Do This Right After Listening Open ChatGPT and type this prompt: "I am an expert in [your area of expertise]. Help me identify three ways that I could use AI to deliver value to others in this space and generate income." Read what comes back. Pick one. Write it down. That's your front door to the gold mine.     Resources Mentioned AI Escape Plan Newsletter — Weekly practical AI-powered strategies for parent entrepreneurs DarkHorseInsider.com — Sign up for your free spot in the newsletter ChatGPT Plus — OpenAI's premium tier ($20/month) GPT Store — OpenAI's marketplace for Custom GPTs Zapier / Make.com / N8N — Automation tools for building AI-powered workflows     Connect With Ace Allan & The Dark Horse Entrepreneur Website: DarkHorseEntrepreneur.com Newsletter: AI Escape Plan — sign up at DarkHorseInsider.com Podcast: The Dark Horse Entrepreneur AI Escape Plan     If this episode fired you up, share it with a parent who's been on the fence about AI. They need to hear it as much as you do. Think Successfully and Take Action!  

If you want to be a successful real estate investor or simply qualify for your next dream home, you have to understand how to play the bank's game. Broadcasting from base camp in the heart of Alaska, Kris Krohn demystively simplifies the mathematical equation behind your Debt-to-Income (DTI) ratio. Kris breaks down how this decade-old subprime crisis rule impacts your borrowing power, and highlights the shifting landscape of real estate financing where deals can increasingly be qualified based on the financial merit of the asset rather than just your personal liabilities.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Cassandra Lester.

Stay-at-Home Parent and Divorce: How to Leave an Unhappy Marriage When You Don't Have Your Own IncomeThinking about divorce is hard.Thinking about divorce when you're a stay-at-home parent can feel impossible.How do you afford an attorney? What happens if your spouse controls the finances? Will you have to go back to work immediately? What if you've been out of the workforce for years?First, get your hands on the $50 Divorce Crash Course to save money on your divorce process. In this episode of How Not to Suck at Divorce, Andrea Rappaport and top family law attorney Morgan Stogsdill tackle one of the most common concerns we hear in our community: how stay-at-home parents can prepare for divorce without letting fear take over.Whether you're a stay-at-home mom, stay-at-home dad, or the primary parent managing the household, this episode will help you understand your options, your value, and the practical steps you can take right now to prepare for your next chapter.In This EpisodeWhy stay-at-home parents often feel trapped in unhappy marriagesThe biggest misconceptions about divorce and stay-at-home parentingHow to afford a divorce attorney when you don't have your own incomeWhy gathering financial documents is one of the most important first stepsWhat attorneys look at when evaluating maintenance and alimonyHow education, training, and work history impact divorce outcomesWhether you should go back to work before filing for divorceWhat to do if your spouse controls the financesHow fear causes stay-at-home parents to underestimate their valueWhy information is the key to making better divorce decisionsWays to start generating income before and during divorceHow OurFamilyWizard can help co-parents stay organizedKey Takeaways✔️ Being a stay-at-home parent does not make you less valuable in a divorce.✔️ The work you do inside the home has real value, even if it doesn't come with a paycheck.✔️ Every divorce case is different, which is why getting legal advice early is critical.✔️ Gathering financial documents now can save you time, money, and stress later.✔️ Fear often makes stay-at-home parents feel powerless—but information creates confidence.✔️ There are often more options available than you realize.✔️ Divorce is a marathon, not a sprint.✔️ You do not have to have everything figured out before taking the next step.If You're Thinking About DivorceOne of the biggest mistakes people make is assuming they need to have a complete plan before speaking with an attorney.You don't.You simply need enough information to understand your options.The sooner you start learning about the divorce process, your finances, and your legal rights, the sooner you'll be able to make decisions from a place of confidence instead of fear.Our Family WizardCheck them out- they are a resource that is here to help you make coparenting easier. You can save 20% on your essentials package here: www.ourfamilywizard.com/notsuck20Divorce Crash CourseIf you're considering divorce—or you're already in the middle of one—the Divorce Crash Course was created for you.Learn how divorce works, what mistakes to avoid, how to save money on attorney fees, how to protect your finances, and how to make smarter decisions throughout the process.Typically priced at $150, available now for just $50 thanks to our angel underwriters, Our Family Wizard and SoberLink.

Are you a high achiever who prides yourself on always following through and making things happen, no matter what? Do you routinely stretch your capacity to the limit, while wondering if "pushing through" is truly the only way to sustain your success? Have you ever felt an uncomfortable tension between a goal you committed to and what your life, health, and values are actually asking of you right now?In this transparent and behind-the-scenes episode, I share a vulnerable update regarding the upcoming Portfolio Career Academy. After mapping out my program launch for the end of June, I made the difficult but intentional decision to push the start date back to September. It wasn't an easy pivot for someone used to executing on a deadline, but a powerful realisation about my son's final summer before high school forced me to pause. This personal shift serves as a reminder for every ambitious woman: your career is meant to serve your life, not the other way around.Yet so many of us treat a change of direction as a flaw rather than a strategic recalibration. We keep driving forward out of habit or fear of what others will think, waiting for the right time to rest rather than recognising that the season has already shifted.What you'll learn in this episode:Changing your mind is a decision, not a failure. We often carry immense guilt when we pivot, delaying a goal and misinterpreting it as a lack of discipline. In reality, choosing a different path based on new information is an act of leadership. It is an opportunity to acknowledge that your priorities have evolved, and you do not need to apologize for doing what makes sense for your current season.The critical reality of capacity management. Building a portfolio career and managing multiple income streams is an asset, but it requires radical honesty about your time and energy. When balancing various consulting contracts and projects, understanding how to scope your time and lean on both professional and personal support systems is essential to protect your wellbeing before burnout takes over.Protecting what matters is the ultimate point. When faced with a difficult choice, your core values must act as your decision criteria. "Pushing through" to deliver a project at the expense of your energy, family, or the integrity of your work is a cost too high to pay. True career clarity means knowing your non-negotiables, setting up your safety nets, and honoring your boundaries with confidence.Ready to build your additional stream of income with intention? The Portfolio Career Academy start date has officially moved to September 7th. If you are ready to diversify your income and build your own safety net before you need it, book your fitting call today to explore if the program is the right fit for you after the summer.Send us Fan MailInvest in Yourself and Your Career:Community — Join our Network for mid-career women redesigning what's next in their careersCoaching — Apply for The Portfolio Career Academy. Turn Your Expertise Into Multiple Streams of Income & Impact Through Building A Portfolio Career. Connect with me!Website: careerchangemakers.comEmail: podcast@careerchangemakers.comLinkedIn:  Janine EsbrandInstagram: @careerchangemakerspodcastCareer Change Makers on Apple Podcasts

Have you ever pushed harder, bought the course, built the funnel, and still hit the exact same income ceiling you have been bumping up against for years? In this episode I sit down with my friend Dr. Farya Barlas, a chartered psychologist who has spent more than two decades helping entrepreneurs, founders and leaders work with the invisible barriers that mindset hacks and business strategy simply cannot reach. She calls it trauma-led success, and the way she defines trauma might surprise you. It is not one big event. It is every small moment you had to abandon or betray yourself to be accepted, and how those moments quietly shape the way you lead, sell and price today.We get honest about what survival mode actually looks like in a business (think undercharging, procrastinating, or that mysterious cap on your revenue), why you cannot affirm your way out of a nervous system that does not feel safe, and how women in particular carry intergenerational patterns around being seen and earning money. I also open up about realizing I built Flourish & Thrive out of a trauma response after my 2009 bankruptcy, and what it took to change my relationship with my own business. If you are a seasoned creative entrepreneur who senses there is another level available to you, this conversation is your map.In this episode, you'll learn:1:38  --  What trauma-led success really means, and why working with your trauma responses can unlock so much more6:22  --  The definition of trauma most high achievers get wrong, and why you cannot affirm your way out of it9:59  --  Why this hits women differently, and why so much success advice does not fit your nervous system11:01  --  Survival success vs reparative success, and how your nervous system caps your income14:15  --  The first real step from survival into thriving24:11  --  Tracy on building a business from a trauma response after bankruptcyHere are the resources mentioned in the show:Follow @faryabarlas.psychologist on InstagramDr. Farya's podcast: From Trauma to CEODr. Farya's WebsiteThe Method by Farya Barlas (her signature framework)The Creative Frequency by Tracy MatthewsAre you enjoying the podcast? We'd be so grateful if you gave us a rating and review! Your 5 star ratings help us reach more businesses like yours and allows us to continue to deliver valuable content every single week. Click here to review the show on Apple podcast or your favorite platformSelect “Ratings and Reviews” and “Write a Review”Share your favorite insights and inspirationsIf you haven't done so yet, make sure that you subscribe to the show wherever you listen to podcasts and on Apple Podcast for special bonus content you won't get elsewhere.xo, Tracy MatthewsFollow on Social:Follow @Flourish_Thrive on InstagramFollow @iamtracymatthews  InstagramFollow Flourish & Thrive Facebook

There are many ways for artists to make money, but more income sources don't always lead to more income. In this episode, host Alyson Stanfield looks at the difference between an income source and an income stream—and why that distinction matters when you're deciding what belongs in your art business. You'll also hear about: Why adding a new income source can mean building a separate business The time, energy, marketing, and systems each source requires Why so-called passive income is a myth How to evaluate profitability, potential, and return on your time Questions to help you decide whether to add, keep, or let go of an income source The goal isn't to have as many income sources as possible. It's to understand what each one requires and decide whether it deserves a place in your art business. Read more and get links and resources on the extensive companion post. Email me to discuss strategic consulting for your long-term career goals. Think you'd make a good guest on The Art Biz? Read This The Art Biz is recorded on the traditional land of the Cheyenne, Arapaho and Ute tribes.

During our working years, giving often feels straightforward. A paycheck comes in, and many believers give a set portion from that income. But retirement can make the question more complicated. That's why Anthony Saffer, CEO of One Degree Advisors, a Certified Financial Planner, Certified Kingdom Advisor® (CKA®), and host of the Retire Confidently YouTube channel, joined the show today to help retirees think wisely and biblically about giving in this season of life. Instead of a single paycheck, income may come from Social Security, pensions, investments, rental income, or savings. Some of that money may represent new earnings or investment growth. Some of it may be money already earned—and perhaps already tithed on—during the working years. So how should Christians think about tithing in retirement? The goal is not to create a perfect formula, but to pursue faithful, joyful generosity before the Lord. Giving Begins with the Heart Before considering the practical details, it's important to begin with the biblical foundation. 2 Corinthians 9:7 says, “Each one must give as he has decided in his heart, not reluctantly or under compulsion, for God loves a cheerful giver.” While Christians may differ on how the Old Testament tithe applies today, Scripture consistently calls God's people to generosity. Giving is not meant to be driven by guilt, fear, or pressure. It is a response to God's grace. That remains true in every season of life—including retirement. For many believers, the tithe continues to serve as a helpful starting point. Randy Alcorn has called it the “training wheels of giving” because it provides structure, consistency, and a simple framework for generosity. But the tithe is not the finish line. It is a starting point for a life of open-handed stewardship. Why Retirement Makes Giving More Complicated In retirement, the question often becomes less about whether to give and more about how to apply giving wisely. That's because retirement income can come from several sources. Social Security may reflect years of payroll taxes. Pension income may include contributions from both the employee and employer. Investment withdrawals may include both principal and growth. Brokerage accounts, IRAs, and rental income can blur the lines even further. This is where the distinction between “increase” and “return of principal” becomes helpful. Increase refers to new earnings or growth. A paycheck is typically easy to identify as an increase. Investment gains, interest, dividends, or employer-funded benefits may also fall into that category. Return of principal refers to money already earned or contributed in the past. For example, if you withdraw money from an account that was funded with income you already tithed on, part of that withdrawal may simply be returning money you previously set aside. That distinction does not answer every question, but it gives retirees a helpful lens for thoughtful giving. Approach One: Give on the Increase One option is to tithe on the portion of retirement income that represents new growth or increase. For example, someone withdrawing from an investment account may try to estimate what portion of the account represents original contributions and what portion represents growth. The tithe could then be based on the growth portion rather than the full withdrawal. This approach may be especially meaningful for those who tithed consistently on gross income during their working years and want to avoid “re-tithing” on money they already gave from. Of course, the calculation will rarely be exact. Many retirees may not have decades of contribution records available. In that case, it may be wise to review statements, consider contribution history, and choose a reasonable estimate that can be applied consistently. The goal is not precision for precision's sake. The goal is thoughtful, intentional stewardship. Approach Two: Give on Income as It Is Received A second approach is to tithe on retirement income as it is received, including Social Security, pension payments, and investment withdrawals. This mirrors the way many people gave during their working years: income comes in, and a portion is given back to the Lord. The benefit of this approach is simplicity. It avoids ongoing calculations and allows giving to remain consistent and easy to understand. For many retirees, that clarity helps them stay faithful in their generosity. Some may ask, “But wouldn't that mean I'm giving again on money I already tithed on?” In some cases, yes. But those who take this approach often prioritize generosity over precision. They see every provision as a gracious gift from God and respond by giving systematically and joyfully. For them, the question is not, “What is the least I am required to give?” but, “How can I continue to honor the Lord with what He has entrusted to me?” Which Approach Is Best? There is not one answer that fits every retiree. Some believers value precision and want to avoid double-counting. Others value simplicity and consistency. Some are working with tight retirement budgets and need to think carefully about sustainable giving. Others may be able to give more generously than ever before. Married couples should talk and pray through the decision together. A financial advisor who understands biblical stewardship can also help retirees evaluate their income sources, giving goals, and long-term needs. What matters most is that the decision is made prayerfully, joyfully, and without compulsion. Both approaches can honor the Lord when they flow from a heart of gratitude and faithfulness. Faithfulness Is Not a Math Equation It is easy to overcomplicate giving in retirement. Some may feel pressure to find the perfect formula. Others may feel guilty because they are unsure whether they are doing enough. But Scripture points us back to the heart. Jesus warned against a kind of religious precision that counted every detail while neglecting justice, mercy, and love. Giving matters, but it must never become merely a calculation. It is an act of worship. So when the paycheck stops, and retirement income begins, the question is not simply, “What counts as income?” The deeper question is, “How can I continue to reflect God's generosity in this season?” Retirement may change the way income arrives, but it does not change the calling to steward faithfully. Whether you give based on estimated increase or on income as it is received, the goal is the same: faithful, joyful giving that honors God and blesses others. In the end, tithing in retirement is not about perfect math. It is about a faithful heart. On Today's Program, Rob Answers Listener Questions: My mom is 78 and still manages her own finances, but we're planning ahead. She doesn't want a general power of attorney because she wants to keep control for now. She's interested in a springing power of attorney, but I'm having trouble finding one. How can we get that set up? I live in Magnolia, Texas, where many families can't afford youth sports like flag football, baseball, or jiu-jitsu. I've been meeting with kids at the park once a week, but the group is growing, and I need help with equipment. How do I ask NFL teams or others for sponsorship? Do I need to start a nonprofit first, or can I seek support as I am? Resources Mentioned: Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner) One Degree Advisors | Retire Confidently | Anthony Saffer & Alex Okugawa Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship by Rob West Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety Rich Toward God: A Study on the Parable of the Rich Fool Find a Certified Kingdom Advisor® (CKA) FaithFi App Remember, you can call in to ask your questions every weekday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode, Brandy Greene shares her journey into credit and funding, emphasizing the importance of relationship-building, delayed gratification, and strategic financial planning in real estate and business success.   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   —--------------------

In this episode of Spotlight, Thalia Hayden ‪@etfguide‬ chats with Lance McGray, Head of ETF Product at Advisors Asset Management about growth and income opportunities with international investing, preferred securities, CLOs, and companies that are transforming global business. Learn more about Advisors Asset Management's ETF lineup https://www.aamlive.com/ETF

For many aspiring entrepreneurs, one question keeps coming up:Should I keep the security of my job, or should I build something of my own?This is a decision that can linger for years. You collect a paycheck, receive benefits, and follow a predictable path. At the same time, you can't stop thinking about the online business idea, online platform, service, product, or community you wish you were building.In this episode, we challenge one of the biggest assumptions in modern career thinking: that employment is safe and entrepreneurship is risky.What if both paths involve risk?What if the real question is not whether risk exists, but whether you're willing to accept the consequences of doing nothing?Your Action Plan - Learn:• Why job security may be more fragile than most people realize• The hidden risks of depending on a single source of income• Why entrepreneurs think differently about security and opportunity• How to evaluate the true cost of staying where you are• The five fears that keep aspiring entrepreneurs stuck• A practical framework for deciding whether entrepreneurship is right for youThis episode is about understanding your options, thinking strategically about your future, and recognizing that there is no risk-free path in life.Because one day, the greatest risk may not be starting an online business.The greatest risk may be realizing you never tried.To have an enjoyable life  in our global, advanced tech society, create value.  To have the business, career, finances and lifestyle you desire, follow a proven path that has delivered in good times and bad.  The path of entrepreneurship. And online entrepreneurship is the fast track for aspiring entrepreneurs.Learn the skills, access the resources and be inspired to live the life of your dreams right here on the Ready Entrepreneur podcastTo find more resources, strategies and ideas for aspiring entrepreneurs visit the Ready Entrepreneur website: https://www.readyentrepreneur.com/To download a free guide for Preparing to Become an Online Entrepreneur, click here:  https://www.readyentrepreneur.com/start/You can get an exclusive discount on the ebook and audiobook version of Recast: The Aspiring Entrepreneur's Practical Guide to Getting Started with an Online Business click here: https://www.caselane.net/recastConnect with CaseFacebook: @readyentrepreneurHQ Instagram: @readyentrepreneur Twitter X: @caselaneworld Pinterest @caselane 

This episode was sponsored by Cardiff & Etowah Insurance    LightSpeed VT: https://www.lightspeedvt.com/ Dropping Bombs Podcast: https://www.droppingbombs.com/ Today's Dropping Bombs episode delivers a gut-punch story with Harley Gambrell — Georgia insurance entrepreneur who built multiple niche agencies from scratch while simultaneously raising a severely autistic son alone, managing violent behavioral crises at home, and fighting the court system just to keep his kid.   Harley breaks down the hidden goldmine inside commercial insurance, why niche markets like trucking can replace a full-time income in a single month, and the "business in a box" partnership model he's using to put other entrepreneurs into their own equity-staked agencies. He also reveals his long-game vision: using insurance revenue to build the care facility his son (and thousands like him) actually deserve.    This one hits different. It's grit, grief, and a blueprint — proof that the heaviest burdens can build the sharpest operators.    

What to remember about money while in your Thirties, What to know about AI trends, Check out recent Webinars with CFP Chad Burton of EP Wealth Advisors at Rob's website

Welcome back to another episode of the podcast!In pure Michelle fashion - the vibe of everything we do is to continue to simplify your business + grow your income + have everything sell everything® It's juicyyyyy + will make you money as always!!Grab your coffee, water, mocktail, or a glass of champagne + let's do this.Let's dive in!Everything Sells Everythinghttps://www.harttoheart.co/everything-sells-everything-2025Learn how to create daily sales from your Instagram stories without launches, pressure, or over postinghttps://www.harttoheart.co/dailysalesfromstoriesJoin our EMAIL FAM!https://www.harttoheart.co/join-our-newsletterSay HIII and share what came up for you during this episode!Message me at:https://www.instagram.com/michellehartzman/

Kwame is wrestling with a question almost every freelancer has whispered to themselves late at night: when does the money actually get steady? Preston and Meredith Cooley—founder of Page and Purpose and a mentor for teachers stepping into copywriting—dig into what consistent income really requires: consistent marketing, consistent sales, and the sometimes-uncomfortable habit of reaching out to clients you've never met. They share what it takes to move from feast-and-famine cycles to a business with real, predictable rhythm. Links: Support our show sponsors -> ⁠⁠https://freelancetofounder.com/sponsors⁠⁠ Submit your own question -> ⁠⁠https://freelancetofounder.com/ask⁠ Attend The "10X Your Freelancing" Summit -> ⁠⁠https://10XFreelance.com⁠⁠ (FREE) Learn more about your ad choices. Visit megaphone.fm/adchoices

If you've changed your strategy more times than you can count and still feel like something isn't moving, this episode is for you. The ceiling most women keep hitting isn't a business problem. It's a money story problem. One that was handed to you before you ever made a dollar of your own. Today we're going into where that story came from, how it's showing up in your pricing, your sales conversations, and your income ceiling right now, and what the actual identity shift looks like to rewrite it. Not the affirmation version. The real one.If you're in the messy beginning of building something real, this is for you. The Identity to Income Founding Group is open this week, link in show notes. DM me on Instagram if it resonates --> Work with me↓ STAY CONNECTED ↓Instagram: @kearaacallahanSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

A listener has a clear business idea, but isn't clear about the revenue model. They can get paid through affiliate and advertising revenue (indirect), *or* through selling to consumers themselves (direct). Which might be better? Side Hustle School features a new episode EVERY DAY, featuring detailed case studies of people who earn extra money without quitting their job. This year, the show includes free guided lessons and listener Q&A several days each week.Show notes: SideHustleSchool.comEmail: team@sidehustleschool.comBe on the show: SideHustleSchool.com/questionsConnect on Instagram: @193countriesVisit Chris's main site: ChrisGuillebeau.comRead A Year of Mental Health: yearofmentalhealth.comIf you're enjoying the show, please pass it along! It's free and has been published every single day since January 1, 2017. We're also very grateful for your five-star ratings—it shows that people are listening and looking forward to new episodes.

Inside BlackRock's newest bitcoin ETF, BITA. Global Head of Digital Assets at BlackRock, Robert Mitchnick breaks down the launch of the firm's newest bitcoin ETF, the Bitcoin Premium Income Fund (BITA). He tells CoinDesk's Jennifer Sanasie why the covered call strategy targets a high-teens income yield, which investors this product appeals to, and more. - Timecodes: 00:00 - BlackRock's BITA Opens for Trade 00:20 - Why BITA Is the Right Next Evolution for Bitcoin's Funds 01:10 - Staking vs. Covered Call Yield 01:48 - Who Is the Target Investor? 02:36 - In What Market Could BITA Outperform IBIT? - This episode was hosted by Jennifer Sanasie.

Should retirees live off dividends and bond interest, or use a total return strategy? Don and Tom tackle one of the most persistent myths in retirement investing: that dividend-paying stocks create safer retirement income. They explain why dividends are not “free money,” how dividend-focused portfolios can create hidden risks, and why most academic research favors a diversified total return approach. The conversation explores dividend traps, covered-call income funds, sustainable withdrawal strategies, and the importance of diversification. They also respond to a listener defending Robinhood's platform, debate gamification in investing, and discuss Philadelphia's new automatic retirement savings program designed to help workers without employer-sponsored plans.0:05 Introduction: Dividend income vs. total return investing1:44 Why retirees are attracted to dividend-focused portfolios2:19 What a total return strategy actually means3:37 The appeal of predictable dividend income4:55 High-yield ETFs and the risks behind the payouts5:03 Why dividends are not free money6:10 Larry Swedroe's argument: dividends are not income6:27 Understanding the dividend trap7:05 Extreme dividend yield example: GMEX Robotics8:35 YieldMax and triple-digit yields9:44 Why academics favor total return strategies10:48 Rebalancing as an income source in retirement11:43 The hidden risks of income-focused products13:30 Bridge-playing and retirement banter14:21 How listeners can submit questions15:12 Listener question: Is Robinhood getting unfair criticism?16:13 Robinhood, gamification, and investor behavior18:18 Why “stodgy” may be good for money management19:53 Philadelphia's new retirement savings initiative20:45 Automatic enrollment and retirement success22:30 Why saving must be made easy23:28 Free portfolio reviews at Appella24:21 Discussion of The Line Uncrossed26:47 Family history and future book possibilitiesQuestions? Comments? Click!

Matt opens the show discussing the ongoing SpaceX IPO frenzy, admitting a serious case of FOMO as the stock surged from its $135 allocation price to over $200 in just a few days. He breaks down why some Daily Crypto News listeners made quick gains, why he's still skeptical of chasing it here, and whether SpaceX's growing AI ambitions could justify its massive valuation.The episode also covers Bitcoin holding around $66,000 despite renewed optimism, BlackRock's new Bitcoin Income Fund going live, Bybit launching options trading for Tether Gold, and Hyperliquid processing $1.4 billion in SpaceX-related trading volume. Matt also examines today's Federal Reserve meeting under Chair Kevin Warsh, the Netherlands' proposed unrealized gains tax, XRP giving back recent gains, and why it's far too early to declare a new crypto bull market.Happy Hodling, Everyone. Hosted on Acast. See acast.com/privacy for more information.

In today's episode, we're talking about peaceful, practical homestead income ideas for real life. Not giant farm empires. Not hustle culture. Not trying to monetize every inch of your property. Just simple, thoughtful ideas that may help support your family while building skills, capability, and confidence along the way. We discuss: why small beginnings still matter realistic beginner-friendly homestead income ideas eggs, breadmaking, herbs, fiber arts, and teaching classes why traditional skills return during uncertain times energy capacity and choosing ideas that fit your season of life how underpricing homemade work creates resentment practical things to research before starting cottage food laws, zoning, livestock rules, and HOA considerations why preparedness is really about capacity, not panic Wendi also shares encouragement for women who feel overwhelmed by modern homesteading culture online and reminds listeners that peaceful progress still counts.   Download the free printable guide: Small Homestead Income Ideas for Real Life This simple companion guide includes: beginner-friendly ideas energy-level considerations practical research reminders reflection questions gentle encouragement for real life [Insert Link]  

The recent SpaceX IPO created 4,400 new millionaires. However, the most powerful wealth lessons do not come from the executives. They come from employees like Juan, a welder who prioritized company equity over comfort and consistently accumulated shares through near-bankruptcies and public doubt.In this episode, we break down five critical wealth-building principles derived from the SpaceX launch. We explore why betting on the operator matters more than the product, the compound effect of patience, and how everyday investors can apply these strategies to their own real estate, stock, and crypto portfolios.Key Topics DiscussedThe 2.1 trillion dollar valuation of the SpaceX IPOHow employee stock options created 4,400 new millionairesPrioritizing long-term equity over short-term salary comfortBetting on visionary operators like Elon Musk during difficult timesThe compound effect of consistent, boring investment activitiesPost-IPO stock price pullbacks and finding optimal entry pointsGenerating passive income through the Imagos Income FundKey TakeawaysTake equity over comfort whenever possible. Choosing ownership over a marginally larger paycheck is often the most significant financial decision an investor can make.Bet on the operator, not just the product. A visionary leader with a relentless track record of execution provides an asymmetric risk advantage, even when the underlying product faces massive hurdles.Consistency beats market timing. Accumulating assets through regular, disciplined investments often outperforms the risky strategy of trying to perfectly buy the dip.You do not need to be the founder to build incredible wealth. Strategic supporting roles within the right company or team can generate life-changing financial returns.Patience is the most aggressive wealth strategy. Holding assets through market volatility and near-failures is required to fully harness the power of the compound effect.Connect & Take Action:Wealth Intelligence Brief: Text "WIB" to 844-447-1555 to get Matty's free macro data, real estate intel, and crypto signals delivered to your inbox 3 times a week.Imagos Income Fund: Text "INCOME" or "DEALS" to 844-447-1555 to learn more about Matty A's private debt fund targeting 10% fixed returns paid out monthly.

https://media.blubrry.com/thesuccessfulmindpodcast/media.blubrry.com/thesuccessfulmindpodcast/ins.blubrry.com/thesuccessfulmindpodcast/TSM729_FINAL.mp3   Your financial set point is running in the background right now — quietly deciding how much you earn, how you price, and whether you follow through when real money is on the table. Most business owners never see it. And that invisibility is exactly what makes it so powerful. I recorded this episode with my longtime colleague Steph Tuss — who has spent the better part of 35 combined years working with small business owners alongside me — because this is the conversation I wish someone had sat me down for early in my career. Between the two of us, we’ve watched the same pattern play out thousands of times. You set a financial goal. You get excited. You work hard. And then, without knowing how it happened, you’re right back where you started. That’s not a discipline problem. That’s a set point doing exactly what it was designed to do. Financial Set Point: What It Is and How It Controls YouThe simplest way I know to explain a financial set point is the thermostat in your house. You set it to 70 degrees. The temperature drifts up. The system detects the gap, kicks on, and brings it right back to 70. Your subconscious mind works the same way — except the temperature it’s managing is your income. When you push above your set point, something in your thinking, your emotions, or your behavior begins to adjust you back. It shows up as undercharging in a sales conversation. As scope creep where you give away more than you’re paid for. As panic during a slow month that drives you into decisions you wouldn’t otherwise make. The three places I see this most clearly are pricing decisions, boundary violations with clients, and the response to slow periods. In each case, the set point isn’t the problem you’re aware of — it’s the thing making the problem feel inevitable. Financial Set Point: The 4 Types and How to Identify YoursAfter decades of this work, Steph and I have identified four distinct financial set point types that show up in business owners: the scarcity set point, the survival set point, the striving set point, and the emerging success set point. Most people are operating from one of these — or a combination — without knowing which one it is. And because you can’t change what you can’t see, awareness is always the first step. The striving set point is the one I lived in for a long time. Work harder, stay on the phone longer, push more. And it hits the same ceiling every time, because more effort isn’t the solution when the program running underneath doesn’t match the goal you’re reaching for. How to Find Out Which Set Point Is Limiting YouThis episode is Part 1 of a 5-part Financial Setpoint Series. The next four episodes go deep into each set point type — what it looks like, how it shows up in your business, and what to do about it. But before you listen to those, I want you to know which one is yours. Steph and I built a free diagnostic tool called the Psychological Set Point Analyzer. It takes about five minutes, asks 7 to 10 questions, and tells you exactly which financial set point is operating in your life right now — along with a seven-day plan to begin reprogramming it. This isn’t awareness for awareness’s sake. You need new behaviors to make real change, and the tool gives you a starting point. Get the free diagnostic at lifeisnowinc.com/setpoint and plan to join us for the next four episodes. Two per week, so you won’t be waiting long. Episode 372 – I Choose How I Feel Episode 609 – Desire Points the Way, But Commitment Gets it Done Episode 624 – The Starting Point is Desire YOU'VE LEARNED THE STRATEGIES…SO WHY DOES YOUR REVENUE STILL CONTINUE TO PLATEAU?Here’s what I know about most business owners: They’re working hard, doing the right things, and still hitting the same income ceiling year after year. That ceiling has a name — it’s your Financial Set Point. It’s the unconscious limit you’ve placed on what you believe you can earn, and until you see it clearly, it runs the show no matter what strategies you put in place.That’s what we work on at my upcoming Business Intensive in August.  Over two days, I'll help you identify your financial set point, understand why it’s there, and break through it so you can finally earn what you want without the constant struggle and hustle that’s been getting you nowhere.If that sounds like exactly what’s been missing, you don’t want to sit this one out. Apply here to join us. If you like the show, would you be so kind as to leave us a short review on Apple Podcasts? It takes less than a minute and really makes a difference in helping me spread the Successful Mind message around the globe.  LEAVE A REVIEW Check out David's book! Get Your Copy Today! Miss anything? Don't forget to subscribe to the show to keep up with your own successful mindset. We're available wherever you listen to podcasts:   Apple Podcasts Spotify Pandora iHeartRadio Amazon Music Life is Now wants you to get SOCIAL! You can find us on the following platforms:  Facebook X-twitter Instagram Linkedin Youtube The post Financial Setpoint Series: The Psychological Programming That's Controlling Your Income appeared first on The Successful Mind Podcast.

Michael Zuber and real estate veteran Jason Hartman explore the economic implications of a potential peace deal with Iran. They suggest that such stability would lead to lower oil prices and a significant drop in mortgage rates, potentially falling below the 6% threshold. They argue that these shifts, combined with massive pent-up demand, could trigger a surge in housing transactions and price growth during the second half of the year. They also highlight the resilience of real estate as an asset class, noting how leverage provides superior returns compared to other investments. Ultimately, they advise investors to act quickly while the current buyer's market lasts, emphasizing that market timing is less effective than consistent participation. PropertyTracker.com Key Takeaways: 0:00 The US/Iran peace deal and it's implications on the #housingmarket 6:04 Existing home sales hit highest levels in 4 years 8:44 Redfin: Home prices continue climbing 10:32 Appreciation vs. Leveraged return over time 11:55 Get in the game! Stop timing the market 16:15 Investors/buyers market 17:43 The first Trillionaire: Space X stock vs. Income property    _______________________________________________________________   Follow Jason on TWITTER, INSTAGRAM & LINKEDIN Twitter.com/JasonHartmanROI Instagram.com/jasonhartman1/ Linkedin.com/in/jasonhartmaninvestor/ Call our Investment Counselors at: 1-800-HARTMAN (US) or visit: https://www.jasonhartman.com/ Free Class:  Easily get up to $250,000 in funding for real estate, business or anything else: http://JasonHartman.com/Fund CYA Protect Your Assets, Save Taxes & Estate Planning: http://JasonHartman.com/Protect Get wholesale real estate deals for investment or build a great business – Free Course: https://www.jasonhartman.com/deals Special Offer from Ron LeGrand: https://JasonHartman.com/Ron Free Mini-Book on Pandemic Investing: https://www.PandemicInvesting.com

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Dr. Bisa Lewis.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Dr. Bisa Lewis.

723: This episode originally aired in July 2025. Here's the thing about personal finance advice: what works when you have $10,000 won't work when you have $1 million.  Yet most financial guidance treats everyone the same, whether you're scraping together a $1,000 emergency fund or deciding whether to upgrade to business class. Nick Maggiulli, author of "The Wealth Ladder," joins us to break down how money strategies must evolve as your net worth grows. He's mapped out 6 distinct wealth levels, each requiring different approaches to spending, saving and investing. The levels start simple.  Level 1 covers anyone with less than $10,000 in net worth — that's 20 percent of American households. Here, bad luck gets amplified. A flat tire that costs $200 could spiral into job loss and debt if you can't afford the repair. Level 2 spans $10,000 to $100,000 in net worth. Maggiulli calls this "grocery freedom" — you can splurge on the nicer eggs without checking your bank balance.  Level 3, from $100,000 to $1 million, brings "restaurant freedom."  Level 4, the $1 million to $10 million range, unlocks "travel freedom." Getting beyond Level 4 — into the $10 million-plus territory — requires business ownership or extreme patience. Maggiulli calculates that even saving $100,000 annually after hitting $1 million takes 23 years to reach $10 million, assuming 5 percent annual returns. The data shows income matters more than frugality, especially in the early levels. The median household income in Level 1 is $32,000, but in Level 4 it's $197,000, and in Level 6 it reaches $4.3 million. We discuss why homeownership dominates wealth in Levels 2 and 3, how investment assets become crucial in higher levels, and why many people in Level 4 choose "Coast FIRE" over the grinding path to Level 5. Resource Mentioned: Nick's book: The Wealth Ladder: Proven Strategies for Every Step of Your Financial Life Timestamps: Note: Timestamps will vary on individual listening devices based on dynamic advertising run times. The provided timestamps are approximate and may be several minutes off due to changing ad lengths. (0:00) Introduction to wealth ladder concept (1:35) The 0.01% daily spending rule (3:43) Six wealth levels breakdown (7:35) Level 1 survival mode focus (11:21) Six levels population data (13:02) Level 1 bad luck amplification (15:08) Level 2 skills development priority (17:55) Income and wealth correlation data (25:28) Level 2 education strategies (28:05) Income opportunity heuristics discussion (32:24) Level 2 mobility statistics (36:38) Asset composition shifts by level (39:28) Level 3 to 4 progression (46:52) Level 3 and 4 similarities (50:14) Level 4 to 5 math (53:29) Business ownership requirements for Level 5 (56:07) Level 5 and 6 non-monetary focus (59:07) Wealth movement bidirectional data (1:04:09) Key takeaways summary begins For more information, visit the show notes at https://affordanything.com/episode629 Learn more about your ad choices. Visit podcastchoices.com/adchoices

Preview for Later Today: Veronique de Rugy examines Thomas Piketty's "degrowth" plan, which uses a global wealth tax to cap income. The proposal seeks to shrink manufacturing and leisure sectors to address global inequality and climate change.1807 TILSIT