Podcasts about Income

Are you constantly saying, “I'm just not a numbers person”?

A Kansas State University publication, When Your Income Drops: Making Ends Meet, discusses five “C's” – Control, Claim, Communicate, Confer, and Change – that can help when income decreases, or becomes uncertain, but the bills remain the same. K-State professor and Extension family resource management specialist, Elizabeth Kiss, (kish) author of the updated publication, says making ends meet under those circumstances often requires many changes and adjustments and that reducing expenses can be a major change. Sound Living is a weekly public affairs program addressing issues related to families and consumers. It is hosted by Jeff Wichman. Each episode shares the expertise of K-State specialists in fields such as child nutrition, food safety, adult development and aging, youth development, family resource management, physical fitness and more. Send comments, questions or requests for copies of past programs to ksrenews@ksu.edu. K‑State Research and Extension is a short name for the Kansas State University Agricultural Experiment Station and Cooperative Extension Service, a program designed to generate and distribute useful knowledge for the well‑being of Kansans. Supported by county, state, federal and private funds, the program has county Extension offices, experiment fields, area Extension offices and regional research centers statewide. Its headquarters is on the K‑State campus in Manhattan.

Zach Abraham from Bulwark Capital Management joins us to talk about the comeback of traditional family roles and what it really means for your wallet. From sacrificing lattes to building a life where family comes first, Zach's got smart (and actually doable!) advice for couples trying to make it all work. Plus, he shares real stories, tough love, and a fresh perspective on creating a sustainable lifestyle in an expensive world. You don't want to miss this one! Register for Bulwark Capital's free “Tariff Edition” webinar on May 22 at 3:30pm Pacific. Sign up at KnowYourRiskRadio.com Instagram: @KnowYourRiskPodcast Tik Tok: @KnowYourRiskPodcast X: @KYRRadio

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Be A Better You Annual Challenge Day 130: Finances And Income...Multiple Streams? Do one thing every day to be a better you! Join us every day in 2025 for a quick challenge that is all about you improving and creating the life you want! https://www.facebook.com/ThrivingSharon Ask your questions and share your wisdom! #beabetteryouannualchallenge #finances #MSIs #multiplestreamsofincome #makemoremoney

Steve Selengut is a seasoned investment manager and advisor with over 40 years of experience in the financial industry. He's managed more than 325 individual portfolios across the U.S. and internationally and is now dedicated to coaching both individuals and other advisors on creating income independence. Steve is the author of “Retirement Money Secrets,” his second book, where he shares practical strategies for building sustainable income and optimizing for retirement. His expertise lies in personalized investment strategies, income-focused portfolios, and demystifying complex financial products for everyday investors. On this episode we talk about: – Steve's early entrepreneurial ventures and lessons learned from childhood businesses – The influence of family and early exposure to investment principles – The evolution of Steve's investment strategy, from stocks and bonds to closed-end funds – The mechanics and benefits of closed-end funds for generating income – How to build a diversified, income-focused portfolio with relatively low risk – The current interest rate environment and its impact on different asset classes – Actionable advice for both new and experienced investors looking to create passive income streams – Insights from Steve's book, “Retirement Money Secrets,” and practical steps for retirement planning Top 3 Takeaways 1. Income-focused investing can create financial independence at any stage of life. Steve emphasizes the importance of building portfolios that generate consistent income, not just relying on appreciation or speculative gains. 2. Closed-end funds offer accessible, diversified, and often overlooked opportunities for high-yield, relatively low-risk investing. These funds can be purchased by almost anyone, require no accreditation, and can be started with modest amounts. 3. Discipline and rules-based investing-such as setting profit targets and reinvesting income-are key to growing wealth and protecting against market volatility. Steve's approach stresses the value of taking profits, managing risk, and always looking for ways to make your money work for you. Connect with Steve Selengut: LinkedIn: https://www.linkedin.com/in/privateinvestmentmanagement Website: https://theincomecoach.net/book/ Book: Retirement Money Secrets on Amazon: https://www.amazon.com/Retirement-Money-Secrets-Financial-Independence-ebook/dp/B0CG2DMFW6 Learn more about your ad choices. Visit megaphone.fm/adchoices

My song is called “Papa Shein” because my ex made fun of me after we broke up, saying I got our engagement ring from a fake jewelry store - Archipalago

Feeling like you're constantly chasing your next paycheck or running out of time to grow your business? You're not alone! In this short episode, Carly and Joe dive into the game-changing potential of recurring revenue for solopreneurs.From Joe's firsthand experience building subscription-based businesses to Carly's actionable tips for keeping your pipeline full, you'll learn how to create financial stability, reduce your selling time, and focus on doing what you love.This episode offers creative strategies and insights to make recurring revenue work for you. So, be sure to tune in!Being a solopreneur is awesome but it's not easy. It's hard to get noticed. Most business advice is for bigger companies, and you're all alone...until now. LifeStarr's SoloSuite Intro gives you free education, community, and tools to build a thriving one-person business.  So, if you are lacking direction, having a hard time generating leads, or are having trouble keeping up with everything you have to do, or even just lonely running a company of one, be sure to check out LifeStarr Intro!Access LifeStarr Intro

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/  

Where is your money really going? Most people are surprised when they track it. Use my Cash Flow worksheet to see exactly where your money is going—and how to make it work for you. Download it now. -----  Which approach is better: income-focused or total return investing? Many investors believe they should live off the income their portfolio generates—and never touch the principal. It feels responsible. Conservative. Safe. But in this episode, I explain why that mindset often leads to worse outcomes. Listen now and learn: ► Why relying only on dividends and interest can increase your risk ► How a total return strategy offers greater flexibility and sustainability ► What behavioral traps drive the income-only approach ► Research-backed reasons to shift your retirement spending strategy   Visit www.TheLongTermInvestor.com for show notes, free resources, and a place to submit questions.   Disclosure: This content, which contains security-related opinions and/or information, is provided for informational purposes only and should not be relied upon in any manner as professional advice, or an endorsement of any practices, products or services. There can be no guarantees or assurances that the views expressed here will be applicable for any particular facts or circumstances, and should not be relied upon in any manner. You should consult your own advisers as to legal, business, tax, and other related matters concerning any investment. The commentary in this “post” (including any related blog, podcasts, videos, and social media) reflects the personal opinions, viewpoints, and analyses of the Plancorp LLC employees providing such comments, and should not be regarded the views of Plancorp LLC. or its respective affiliates or as a description of advisory services provided by Plancorp LLC or performance returns of any Plancorp LLC client. References to any securities or digital assets, or performance data, are for illustrative purposes only and do not constitute an investment recommendation or offer to provide investment advisory services. Charts and graphs provided within are for informational purposes solely and should not be relied upon when making any investment decision. Past performance is not indicative of future results. The content speaks only as of the date indicated. Any projections, estimates, forecasts, targets, prospects, and/or opinions expressed in these materials are subject to change without notice and may differ or be contrary to opinions expressed by others. Please see disclosures here.

Connect with Lauryn: https://www.lauryn-williams.com/ Student Loan Planner: https://www.studentloanplanner.com/ In this episode, T.J. van Gerven and Lauryn Williams discuss the complexities of managing student loan debt, including public service loan forgiveness, income-driven repayment plans, and the implications of recent policy changes. Lauryn shares her personal journey from being an Olympian to becoming a financial planner, emphasizing the importance of understanding one's unique financial situation. The conversation covers various strategies for managing student loans, the risks of refinancing, and the impact of marital status on repayment plans. Listeners are encouraged to take proactive steps in their financial planning to optimize their student loan situations. Takeaways Lauryn's journey from athlete to financial planner highlights the importance of financial literacy. Public Service Loan Forgiveness (PSLF) requires specific employment and payment criteria. Income-driven repayment plans can significantly reduce monthly payments based on income. Refinancing student loans can eliminate federal protections and benefits. Married couples should consider filing separately to optimize student loan payments. Tax implications of student loan forgiveness can be substantial and should be planned for. Understanding the different types of student loans is crucial for effective management. Proactive financial planning can lead to significant long-term benefits. Consulting with a financial advisor can provide personalized strategies for student loan management. Staying informed about policy changes is essential for effective financial planning. Chapters 00:00 Introduction to Student Loan Management 02:45 The Journey to Financial Planning 05:46 Understanding Public Service Loan Forgiveness (PSLF) 08:25 Income-Driven Repayment Plans Explained 11:31 Navigating Changes in Student Loan Policies 14:05 Refinancing vs. Consolidation of Student Loans 16:56 The Impact of Student Debt on Young Professionals 19:53 Choosing the Right Repayment Plan 20:37 Understanding Student Loan Payments and Interest 23:15 Marital Status and Student Loan Repayment Strategies 26:12 Tax Implications of Student Loan Forgiveness 28:23 Personalized Financial Planning for Student Loans 31:39 Navigating Income-Driven Repayment Plans 33:55 Retirement Contributions and Student Loan Payments 36:55 Taking Action on Student Loan Management

Student loan borrowers face significant changes as collection practices resume and the Department of Education faces potential dismantling by December 2026. Deborah Paul from the Louisiana Office of Student Financial Assistance explains what borrowers need to know about these changes and how to navigate them effectively.• Student loans are considered in default after 270 days without payment• Only 38% of student loans are currently being paid as agreed• Default consequences include wage garnishment (up to 15%), tax refund seizure, and credit damage• Collection activities resume May 5th with at least 30 days notice before garnishment begins• Borrowers can rehabilitate defaulted loans with 9 consecutive monthly payments• Income-driven repayment plans calculate payments based on what borrowers can afford• Deferment options exist for those returning to school, serving in military, or facing economic hardship• Forbearance provides temporary relief for short-term financial difficulties• The Department of Education dismantling would transfer functions to Treasury, HHS, and Justice departments• Check your loan status at studentaid.gov by accessing the National Student Loan Data System• Dual enrollment programs allow high school students to earn college credits, potentially graduating with associate degrees• Future changes may include eliminating PLUS loans, increasing Pell Grant requirements, and decreasing loan limitsContact Federal Student Aid at studentaid.gov to check your loan status and explore your options. Default can severely impact your financial future, so take action now before collection activities intensify.Have an idea for a show or a question for Kim? Send us a text messageSupport the showWelcome to Money Matters, the podcast that focuses on how to use the money you have, make the money you need and save the money you want – brought to you by Neighbors Federal Credit Union. The information, opinions, and recommendations presented in this Podcast are for general information only and any reliance on the information provided in this Podcast is done at your own risk. This Podcast should not be considered professional advice.

In this episode of Everyone's Talkin' Money, I'm joined by Kara Stevens—founder of The Frugal Feminista, personal finance coach, and unapologetic advocate for women healing their relationship with money. Kara opens up about her journey from earning six figures while buried in $65K of debt to building a life centered around emotional well-being, financial clarity, and aligned values. We talk about how money avoidance shows up in sneaky ways, why emotional spending isn't just about impulse, and how to demolish debt without feeling like you're in financial lockdown. You'll hear: Why income doesn't equal financial confidence How generational money trauma impacts Black women in particular What “values-based budgeting” actually looks like in real life The difference between being rich and feeling rich Why healing—not hustling—is the real secret to long-term wealth We also dive into Kara's approach to parenting around money, navigating side hustles while holding a 9-to-5, and the mindset shifts that turn shame into strategy. Whether you're staring down your own debt, trying to break a financial cycle, or just ready to feel more in control of your money—this conversation is a must-listen. You'll walk away knowing: Many women face hidden struggles with money and debt. Shame and confusion often accompany financial challenges. Teaching children about money can create a positive relationship with finances. Debt repayment should be approached with compassion and understanding. Balancing work and side hustles requires strategic planning. Income does not equate to wealth; understanding assets is crucial. Finding fulfillment beyond spending is essential for financial well-being. Aligning spending with personal values can lead to better financial decisions. Creating sustainable financial goals involves understanding one's pace and needs. Healing one's relationship with money is key to achieving financial success. Resources & Links: Heal Your Relationship With Money by Kara Stevens Visit Kara at The Frugal Feminista Follow @frugalfeminista on Instagram Don't miss out on any of the money talkin' fun! Follow us on Instagram @everyonestalkinmoney Learn more about your ad choices. Visit megaphone.fm/adchoices

What if the magic you've been waiting for… is actually waiting for you?This episode is a love letter to the woman who knows there's more for her—but hasn't quite known how to claim it. Until now.Welcome to Made for Magic—a soulful soirée, a mindset reset, and a deep remembering of your power.Inside this episode, I share:What “everyday magic” really is—and why most of us miss it10 powerful ways we unknowingly block the magic from coming inHow to rewire your mindset to make magic your defaultTwo personal stories that prove the universe is always winking (if we're willing to look up)Why presence, intuition, and creativity are your greatest portals to powerA 7-day experiment to awaken your inner meaning-makerAnd how to ask better questions that open new realitiesThis is for the woman who's been:Overthinking, over-controlling, over-scrollingWaiting for permissionDismissing her inner whispersAnd yet… still believes in moreYou were made for magic.You were made to feel it, trust it, and live in it.Want to go deeper? Apply now for one of our 2 Coaching Masterminds:Life Mastermind: melodypourmoradi.com/lifeBiz Mastermind (Idea to Income): melodypourmoradi.com/bizApplications close on Monday May 12th at 9PM EST.Take a breath.Take this in.Then take the next right step.Let's Stay Connected!As an empowerment coach, author, twin girl mom, and the creator of the GiRLiFE Academy, my mission is to help every woman and girl discover her voice and live a life that lights her up from the inside out.I'd love to connect with you and continue this beautiful journey together!

Visit http://www.thehundredacrefarm.com/   Join me as Ryan Reger and I film a podcast together. As usual, mine is a bit unpolished, so be sure and check out his also at https://everybelieverunleashed.com/    Here's info on my big BHAP project…   The wind whispered uneasily through the Hundred Acre Wood, rustling the leaves like secrets passed in the dark. It had been many seasons since Christopher Robin last wandered these familiar trails, his laughter now only a memory among the trees. He had grown up—as boys must—and left the wood behind, believing the magic would wait forever. But magic, like forests, can fade if not fiercely protected.  Now, a shadow loomed where sunshine once danced. Rumors crept in like ivy: a developer, suit-clad and smiling, had eyes on the land. Plans of pavement, concrete, and cul-de-sacs threatened to erase every hollow tree, every burrow, every honey-laced memory. The animals—Pooh, Piglet, Eeyore, Rabbit, and the rest—felt it in their bones. Their home was in danger.  As twilight fell and the first machines growled at the forest's edge, a quiet resolve stirred. The Hundred Acre Wood would not fall without a fight.  Welcome to a place where the soil is alive, the air is sweet, and magic grows on trees.  We're building The Hundred Acre Farm — a real-world homage to the whimsical wonder of the Hundred Acre Wood. This regenerative farm will be a living storybook nestled in nature — full of bees, trees, seasonal harvests, hand-built spaces, and the soft rustle of leaves telling tales of yesterday and dreams of tomorrow.  This isn't just a farm — it's a sanctuary for pollinators, plants, people, and possibility.  We need your help to purchase 100+ acres of fertile land and transform it into an eco-conscious, storybook-inspired haven for community, education, and healing. Join us as we grow a place where food, wonder, and nature thrive together.    --- Check out the sweet Hyper X mic I'm using. https://amzn.to/41AF4px    Check out Dr. Dave's Streams of Income at: www.drdavidpowers.com   www.instagram.com/drdavidpowers  www.youtube.com/@streamsofincomebydrdave  --- Join the Streams of Income community at www.facebook.com/groups/streamsofincomedream  --- Check out Passive Income Engines to find your own Streams of Income at www.SelfCoachYourself.com --- Check out my best-selling books: Rapid Skill Development 101- https://amzn.to/3J0oDJ0 Streams of Income with Ryan Reger- https://amzn.to/3SDhDHg Strangest Secret Challenge- https://amzn.to/3xiJmVO --- This page contains affiliate links. This means that if you click a link and buy one of the products on this page, I may receive a commission (at no extra cost to you!) This doesn't affect our opinions or our reviews. Everything we do is to benefit you as the reader, so all of our reviews are as honest and unbiased as possible. --- #passiveincome #sidehustle #cryptocurrency #richlife #kickstarter #farm #HundredAcreFarm #NatureMagic #StorybookSanctuary #ComingSoon #GrowGoodThings #FarmDreams #WinniethePooh #Pooh #piglet

Send us a textWe should all be millionaires. I mean, why the hell not?Rachel Rodgers is a self-proclaimed "keep it real, ornery biotch" and the bestselling author behind We Should All Be Millionaires and Future Millionaire. Her work flips the script on everything you've been taught about money, especially if you grew up thinking wealth was for them, not you."You can have reasons or you can have results." Rachel doesn't just say it—she lives it. Her first book serves as a reality check to all the tired, limiting beliefs we carry. It's not about grinding harder. It's about taking bold risks and refusing to play small just to keep others comfortable.She breaks down the difference between broke boo and rich boo energy. Spoiler: if you're exhausted, resentful, and trying to do it all alone, you're not in the zone to build real wealth. Ask for help. Expand. Expect more.Need ideas to earn more? Train your brain to look for open doors, not dead ends. Think assessments, side hustles, and monetizing your natural skills. What does rich look like for you?Her latest book, Future Millionaire, is a Gen Z money playbook for making wealth inevitable. A job isn't the goal. Freedom is. Entrepreneurship, investments, and side gigs—they're all part of your toolkit now.And yes, she's got 100 legit money-making ideas to prove it.Don't miss the full episode. It might just be the mindset shift you didn't know you needed.What's Inside:The surprising truth: Working hard will not make you rich.How thinking you're broke might be your most expensive habit.Why Women and marginalized people need to think bigger, not smallerBuild wealth and still save your sanity, soul, and your Starbucks.Why Gen Z might save us all.You. Yeah, YOU! Don't close the book on those money-making dreams. Did Rachel give you any ideas today for some unfound income? Let me know on Insta!Mentioned In This Episode:Future MillionaireYou can become a millionaire! Registration is now open for the Membership ExperienceOonagh Duncan (@oonaghduncan) on Instagram Fit Feels Good Goals, Grit and some Woo Woo Shit with Oonagh Duncan Leave me a voice note on Speak Pipe! 

Episode SummaryIn this episode of Advisor Revelations, Amy Arnett, VP of Insurance Solutions at DPL Financial Partners, talks with Angel Melgoza, Director of Financial Planning at Your Financial Pharmacist, about asset and income protection. They cover the importance of disability income insurance in financial planning, the ideal client for such coverage, the rule of thumb on disability income insurance, and how to address potential gaps in group disability insurance. Learn more at https://www.dplfp.com/series/advisor-revelations-podcast.

Love the episode? Send me a text & tell me.Free work or working in exchange for anything except $$$ isn't a NO-NO. In fact, it can be a big fat “YES” too.I share how to easily decide when to work for free. After endless mistakes & many lessons learnt, I've created a decision-making process for offers to work for free or in exchange for products.I've created a simple way to quickly decide whether an opportunity without monetary compensation is worth taking on or not. In this episode, I share exactly how to make that decision in minutes and free yourself from doubt, frustration, and being taken for a ride. Working for free can be powerful, very high-value, and catapult your business  - but only when you do it on your own terms.This episode will show you exactly how to make a quick decision with complete confidence - a decision that will leave you joyful, satisfied, profitable, and creative, in spite of not being paid in cash. Read more at https://myfoodlens.com Follow Dyutima on Instagram at https://www.instagram.com/dyutima_myfoodlens/ Show notes available at https://www.myfoodlens.com/blog/119-work-for-free-here-s-how-to-decide-when-it-s-worth-itHave a question? Submit it as a voice note to be featured on the My Food Lens Podcast HEREMini-course: A guide to diversifying your  photography businessDownload free resources:The 10-step photoshootThe 5 steps to visual storytelling

Send us a textIn this episode of The Retire Early Retire Now podcast, host Hunter Kelly, a certified financial planner, discusses the crucial importance of focusing on increasing income rather than obsessing over the rate of return on investments. Aimed at high-income professionals in their thirties and forties, the episode explores how to boost income through negotiating raises, learning new skills, and starting side gigs. Through real-life examples and actionable steps, Kelly shows how enhancing income can have a significantly larger impact on financial growth compared to achieving slightly higher investment returns.00:00 Introduction and Podcast Overview00:18 The Importance of Increasing Income02:21 Why Rate of Return Isn't Everything08:32 Real-Life Examples of Income Growth13:37 Actionable Steps to Boost Your Income20:23 Conclusion and Final ThoughtsCheck out the Palm Valley Wealth Management WebsitePalmValleywm.comCheck us out on InstagramLinkedIn FacebookListen to the Podcast Here! AppleSpotify

The UK Investor Magazine was thrilled to welcome Rebecca Maclean, Co-Manager of Dunedin Income Growth Investment Trust, to the podcast to drill down into the trust's portfolio and strategy.Dunedin Income Trust takes a total return approach to UK and European equities to achieve a dividend yield of 4.8%.Find out more about Dunedin Income GrowthWe explore the trust's stock selection process, and Rebecca provides deep insight into their selection process and how they identify high-quality companies that offer both growth and a sustainable income yield.The podcast highlights several of Dunedin Income Growth's portfolio holdings and Rebecca provides a fascinating overview of their investment thesis for holdings such as Assura, Chesnara and M&G.Rebecca explains the opportunity in the trust's shares ‘triple discount, which encompasses the attractive valuation of UK equities generally and the trust's share price discount to NAV.We discuss the macro influences that could support the trust's holdings and why Dunedin Income Growth is a good choice to ride out tariff-induced volatility. Hosted on Acast. See acast.com/privacy for more information.

https://www.progressiveproperty.co.uk/raf/ Sean and Kevin discuss Reform UK party's housing policies as the UK approaches local elections. They challenge you to question your political allegiances and examine how Reform's proposed housing policies could impact the property market. Kevin talks about brownfield development, landlord incentives and the controversial Section 24 tax, while encouraging listeners to think independently rather than following family or media-influenced voting patterns. KEY TAKEAWAYS Reform UK proposes accelerating housing projects on brownfield sites, particularly in coastal regions, with a loose fit planning policy to simplify large residential developments Giving landlords grants or interest-free loans to renovate empty properties could quickly address housing shortages, bringing hundreds of thousands of empty properties back into use more efficiently than new construction. Reform UK proposes prioritising local residents and those contributing to the system for social housing. Reform's proposed repeal of Section 24 tax (which removed mortgage interest relief for landlords) could potentially reduce rental costs by bringing more landlords back to the market, increasing available housing stock. Current landlord regulations are paradoxically driving up rents and forcing stricter tenant criteria, as landlords need more protection and higher margins to compensate for increased risks and costs. BEST MOMENTS "I don't vote for anybody, so don't say, 'oh, here's a thing for Reform.' I'm not a fan of anybody. I'm just somebody who believes that the country's needs change. It needs reform." "The reason that rents are high is because there's a shortage of properties. The reason there's a shortage of properties is because landlords are leaving the market... Not everybody wants to buy. People at university don't want to buy. They want to rent." "Question how you look at things. Don't be triggered. Be more focused. Don't be triggered. Be more analytical. Don't be triggered. Be more open-minded." "We have lunatics running the asylum. They've never run a business... How can they run the biggest business that there's ever been? The country... We've got people in there that I wouldn't hire in my business, and it's a small business." VALUABLE RESOURCES MSOPI – Multiple Streams of Income: https://www.progressiveproperty.co.uk https://kevinmcdonnell.co.uk ABOUT THE HOST Sean Fitzpatrick is a property investor, educator, and the Face of Progressive Property. With a 6-figure portfolio and expertise in creative strategies, finance, and off-market deals, Sean shares success stories from the Progressive Property community, expert insights, and real-world strategies to help investors succeed. Tune in for practical tips and no-nonsense advice to accelerate your property journey. ABOUT THE HOST Kevin McDonnell is a Speaker, Author, Mentor & Professional Property Investor. He is an expert when it comes to creative property investment strategies. His book No Money Down: Property Invest talks about how to control and cash flow other people’s property to create financial freedom. CONTACT METHOD https://www.facebook.com/kevinMcDonnellProperty/ https://kevinmcdonnell.co.uk/ TikTok: https://www.tiktok.com/@progressiveproperty YouTube: https://www.youtube.com/channel/UC0g1KuusONVStjY_XjdXy6g Twitter: https://twitter.com/progperty LinkedIn: https://www.linkedin.com/company/progressiveproperty Instagram: https://www.instagram.com/progressiveproperty/ Facebook Community: https://www.facebook.com/groups/progressivepropertycommunity Facebook Page: https://www.facebook.com/Progpertyprogressive, property, investing, rent, housing, buy to lets, serviced accomodation, block, auction, home, financial freedom, recurring income, tax, mortgage, assets: http://progressiveproperty.co.uk/

Morgan Stanley Research analyst Mark Schmidt and Investment Management's Craig Brandon discuss the heightened uncertainty in the U.S. municipal bonds market.Read more insights from Morgan Stanley.For a full list of episode disclosures click here.----- Transcript -----Mark Schmidt: Welcome to Thoughts on the Market. I'm Mark Schmidt, Morgan Stanley's Head of Municipal Strategy.Craig Brandon: I'm Craig Brandon, Co-Director of Municipal Investments at Morgan Stanley Investment Management.Mark Schmidt: Today, let's talk about the biggest market you hardly ever hear about – municipal bonds, a $4 trillion asset class.It's Monday, May 5th at 10am in Boston.Mark Schmidt: If you've driven, flown, gone to school or turned on a tap, chances are munis made it happen. Although munis are late cycle haven, they were not immune to the latest bout of market volatility. Craig, why was April so tough?Craig Brandon: So, what we say in April, it was sort of the trifecta of things that happened that were a little different than other asset classes. The first thing that happened is we saw a significant increase in treasury rates – and munis are generally correlated to treasuries. We're a very high-quality asset class, that's viewed as a duration asset class. So, one thing we saw were rates going up. When we see rates going up, you generally see money coming out of the market, right? So, I think investors were a little bit impacted by the higher rates, the correlation to treasuries, the duration, and saw some flows out of the market.Secondly, what we saw is conversation about the tax exemption in Washington D.C. What that did is it caused muni issuers to pull their issuance forward. So, if you're an infrastructure issuer, you are issuing bonds in the next year to year and a half; you're going to pull that forward because if there's any risk of loss of the tax exemption, you want to get these bonds issued today. So that's basically what drives technicals. It's supply and demand. So, what we saw was a decrease in demand because of higher rates; an increase in supply because of issuance being pulled forward.And the third part of the trifecta we refer to is the conversations about the economy. So, I would put that, it's sort of a distant third, but there's still conversations about maybe credit weakness driven by a slowing economy.Mark Schmidt: Craig, your team has been through a lot of tough market cycles. Given your experience, how did the most recent selloff compare? And why was it not like 2008?Craig Brandon: I started my career back in 1998 during the long-term capital management crisis. I lived through 2008. I lived through the COVID crisis, and you know, really when I look at the crisis in 2008 – no banks went out of business three weeks ago, right? In 2008 we were really sitting on a trading desk wondering where this was going to end.You know, we had a number of meetings with our staff, over the last couple weeks explaining to them why it was different and how. Yes, there was some volatility here, but you could see that there was going to be an end to this, and this was not going to be a permanent restructuring of the market. So, I think we felt comfortable. It was very different than 2008 and it really felt different than COVID.Mark Schmidt: That's reassuring. But with economic growth set to slow sharply, how does your credit team think the fiscal health of America's state and local governments will hold up?Craig Brandon: Well, remember state and local governments, and when we're talking about munis, we're also talking about other infrastructure asset classes like water and sewer bonds. Like, you know, transportation, bonds, airports. We're talking about toll roads.They went into this with a very strong balance sheet, right? Remember, there was a lot of infrastructure money spent by the federal government during COVID to give issuers money to make it through COVID. There's still a lot of money on balance sheets. So, what we do is we're going into this crisis with a lot of cash on balance sheets, allowing issuers to be able to withstand some weakness in the economy and get through to the other side of this.Mark Schmidt: Not only do state and local governments have a lot of cash, but they're just not that impacted by tariffs, right? So why did muni yields perform worse than U.S. treasuries over the past couple of weeks?Craig Brandon: Right. It really… We're technically driven, right? The U.S. muni market is more retail driven than some other asset classes. Remember – investment grade corporates, treasury bonds, there's a lot of institutional buyers in those markets. In the municipal market, it's primarily retail driven.So, when you know, individual retail investors get nervous, they tend to pull money out of the market. So, what we saw was money coming out of the market. At the same time, we saw an individual increase in more bonds, which just led to very weak technicals, which when we see that it eventually reverses itself.Mark Schmidt: Now I almost buried the lede, right? Why invest in munis? Well, they're great credit quality, but they're also tax free. In fact, muni bonds have been exempt from federal taxes for over a century. You have a lot of experience putting together tax bills, and right now people are worried about tax reform. Do you think investors should be concerned?Craig Brandon: Listen. I'm not really losing a lot of sleep at night over the tax exemption. And I think there's other, you know, issues to worry about. Why do I say that?As you mentioned Mark, I spent the early years of my career working for the New York State Assembly Ways and Means Committee. I spent seven years negotiating budgets and what that did is it gave me a window – into how, you know, not only state budgets, but the federal budget gets put together.So, what it also showed me was the relationship between state and local elected officials and your representatives in Congress and your representatives in the Senate. So, I know firsthand that members of Congress and members of the Senate in Washington have very close relationships with members of the state legislatures, with governors, with mayors, with city council members, with school board members – who are all delivering the message that significantly higher financing costs that could potentially happen from the loss of the exemption, could be meaningful to them.And I think members of Congress and members of the Senate and Washington get it. They understand it because they were all there when it happened. The last time the muni exemption came under fire was back in 2012; and in 2012, a lot of members of Congress were in the state legislature back then, so they understand it.Mark Schmidt: That's reassuring because right now, tax equivalent yields in the muni market are 7 to 8 per cent. That's equal to or greater than the long run rate of return on the stock market. So, whether to invest in the muni market seems pretty straightforward. How to invest in the muni market? Well, with 50,000 issuers, that's a little complicated. How do you recommend investors get exposure to tax-free munis right now?Craig Brandon: Well, and that is a very common question. The muni market can be very confusing because there are just so many bonds out there. You know, over 50,000 issuers, there's over a million individual CUSIPs in the muni market.So as an individual investor, where do you start? There's different coupon structures, different call structures, different maturity structures, ratings. There's so many different variables that go into a decision in investing in muni bonds.I can make an argument that you could probably mimic the S&P 500 with 500 different stocks. But most muni indices are over 50,000 constituents. It's very difficult to replicate the muni market by yourself, which is why a lot of people, you know, they let professional money managers, do the investing for them. Whether you're looking at mutual funds, whether you're looking at separately managed accounts, whether you're looking at exchange traded fund ETFs, there's a lot of different ways to get exposure to the muni market. But with the huge amount of choices you have to make, I think a lot of individual investors would just let a professional with the experience do it.Mark Schmidt: And active managers let you customize portfolios to your unique tax situation and risk tolerance. So, Craig, a final question for you. How do munis fit into a diversified portfolio?Craig Brandon: Munis are generally the stable part of most people's portfolios. Remember, you don't have a choice of whether you're going to pay your taxes or not. You have to pay your taxes, you have to pay your water bill, you have to pay your power bill. You have to pay tolls on highways. You have to pay airport fees when you buy an airline ticket, right?It's not an option. So, because the revenue streams are so stable, you see most muni bonds rated AA or AAA. The default rate for rated munis is significantly below 1 per cent. It's something in the ballpark of about 0.2 per cent*. So, with such a low default rate – listen, we're technically driven, as I said. You see ups and downs in the market. But over a longer period of time, munis can give you generally stable returns, tax exempt income over the long term, and they're one of the more stable asset classes that you see in your overall portfolio.Mark Schmidt: That sounds boring, and I mean that in the best possible way. Craig, thanks so much for your time today.Craig Brandon: Thanks, Mark, happy to be hereMark Schmidt: And thank you for listening. If you enjoy Thoughts on the Market, please leave us a review wherever you listen and share the podcast with a friend or colleague today.*“US Municipal Bond Defaults and Recoveries, 1970-2021” – Moody's Investor ServicesDisclosure: Past performance is no guarantee of future results. The returns referred to in the commentary are those of representative indices and are not meant to depict the performance of a specific investment.Risk ConsiderationsDiversification does not eliminate the risk of loss.There is no assurance that a portfolio will achieve its investment objective. Portfolios are subject to market risk, which is the possibility that the market values of securities owned by the portfolio will decline and that the value of portfolio shares may therefore be less than what you paid for them. Market values can change daily due to economic and other events (e.g., natural disasters, health crises, terrorism, conflicts, and social unrest) that affect markets, countries, companies or governments. It is difficult to predict the timing, duration, and potential adverse effects (e.g., portfolio liquidity) of events. Accordingly, you can lose money investing in a portfolio. Fixed-income securities are subject to the ability of an issuer to make timely principal and interest payments (credit risk), changes in interest rates (interest rate risk), the creditworthiness of the issuer and general market liquidity (market risk). In a rising interest-rate environment, bond prices may fall and may result in periods of volatility and increased portfolio redemptions. In a declining interest-rate environment, the portfolio may generate less income. Longer-term securities may be more sensitive to interest rate changes. 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Are you running your business like a pro… or like a hot mess express?

In this episode of the Sales Maven Show, host Nikki Rausch sits down with Sales Maven Society member and client Patricia Viscount, a fun and authentic copywriter who knows how to turn insight into income. Patricia shares how tuning into buying signals has transformed her approach to sales and client engagement. You'll hear how her unique framework—interviewing her clients' clients—has helped boost SEO rankings, improve messaging, and position businesses more effectively. Nikki and Patricia also dive into the critical role of follow-up, the power of client feedback, and the strategies that lead to long-term, profitable relationships. Packed with success stories and practical tips, this episode will sharpen your ability to recognize and act on buying signals to grow your business with confidence. Timestamps: 00:43 Introduction to the Sales Maven Show 01:16 Meet Patricia Viscount: Fun and Authentic Copywriting 03:12 The Power of Client Interviews for SEO and Positioning 07:18 Recognizing and Acting on Buying Signals 09:28 Success Stories: The Impact of Following Up 16:19 Building Long-Term Client Relationships 22:29 Conclusion and Contact Information Connect with Patricia Viscount on LinkedIn:

Have you ever wondered what truly makes a “signature talk”… well, signature? In this solo episode, I'm breaking down what a signature talk actually is (and what it isn't), why most presentations fall flat, and how you can create a talk that not only connects with your audience — but also works for you as a speaker and thought leader. This episode is especially for you if you've ever felt stuck in what I call “the expert trap” - where you think you have to cram in as much information and training as possible in order to provide value. (Spoiler alert: that's not how transformation happens!) Instead, I want you to think about your talk as an experience — one that blends your expertise, your personal journey, your big idea, and your unique perspective to move your audience and your business forward. I share: The real purpose of your signature talk (hint: it's more than education) The 4 key elements that make up a transformational talk How to position your talk for brand awareness, lead generation, and thought leadership An overview of our Signature Talk Canvas® framework Why one talk can be the foundation for everything you create, from paid keynotes to book outlines A behind-the-scenes look at the signature talk I'm working on now (and how it ties into my upcoming book!)   This episode originally aired as episode 355 on November 9, 2023.   Links: Show notes at https://www.speakingyourbrand.com/355/  Get our Signature Talk Canvas® framework and a lot more in our 24-page FREE guide and workbook on Developing Your Thought Leadership at https://www.speakingyourbrand.com/guide/. Discover your Speaker Archetype by taking our free quiz at https://www.speakingyourbrand.com/quiz/ Apply for our Thought Leader Academy: https://www.speakingyourbrand.com/academy/  Connect on LinkedIn: https://www.linkedin.com/in/carolcox Related Podcast Episodes: Episode 353: The Power of Frameworks: How Sharon Ehrlich Found Her Voice and Message with Sharon Ehrlich Episode 288: A Framework for Creating a Signature Talk for Income and Impact Episode 290: [Coaching] Get More Leads from Your Presentations with Monica Young  

Are you tired of the “time for dollars” trap—where every vacation, sick day, or even slow week hits your bottom line? In this episode, James Marland gets real about the burnout that comes from trading hours for income and why the solution isn't just slapping together an online course. He dives into what it really takes to build something scalable and sustainable—without losing yourself or your sanity in the process. Whether you've toyed with the idea of creating a course or you're just craving more freedom in your practice, this conversation is a must-listen. It's honest, encouraging, and packed with insights that'll challenge the way you think about growth, impact, and showing up as your true self. Resources Mentioned In This Episode Free Coaching Call with James 15 Ways to Package Your Experience Into A Coaching Product Read the show notes here Watch this episode on YouTube Use the promo code "GORDON" to get 2 months of Therapy Notes free Website Design Packages from Inflow Google Ads for Therapists Start Consulting with Gordon The PsychCraft Network The Practice of Therapy Community Mental Health Wear TN Meet James Marland James Marland is the founder of Course Creation Studio, where he helps mission-driven therapists and coaches turn their knowledge into impactful online courses. After a life-changing job loss, James leaned into his faith and found a new calling—helping others step into their purpose and expand their reach through education. His work focuses on guiding clients from idea to launch using a simple, proven framework: Develop, Deploy, Deepen. Facebook LinkedIn YouTube Website   Follow the Practice of Therapy on Instagram

Ric Edelman, founder of the Digital Asset Council of Financial Professionals and former head of Edelman Financial Engines weighs in on how to responsibly incorporate crypto investing into any diversified portfolio, explains why 60/40 is dead… because you're not going to be… and discusses the importance of instilling financial education in the next generation. 

Executive stage presence coach Erin Duffy returns to discuss how authentic leadership presence transforms careers and inspires others, whether on camera or in person. She shares practical techniques for creating meaningful connections in virtual environments and challenges common misconceptions about what it means to be a leader.• The key to camera confidence is seeing beyond the technology to connect with the person on the other side• Leaders create "a 3D world in a 2D space" by bringing their full selves to virtual environments• Leadership isn't about managing people but taking initiative on things that matter to you• Mid-career professionals need to reclaim dormant parts of themselves to advance to the next level• Women often feel they need to be 100% qualified for a role while men apply with only 60% qualifications• The "inner game" involves reconnecting with past successes and what truly energizes you• "When we show up 100% our authentic self, we have no competition"• Your presence affects everyone in the room - by owning your authentic self, you inspire future leadersLearn about Erin's new book "How to Build Empowered Partners to Skyrocket Your Visibility and Income for Creative Entrepreneurs" and subscribe to her newsletter for stage presence and leadership tips.Connect with ErinExecutive Edge Newsletter - https://inspirationsqrd.com/subscribe/LinkedIn - www.linkedin.com/in/erin--duffy/YouTube - @erinduffy-inspirationsqrdInstagram - @inspirationsqrdEmpowered Partner Workshop Series kicks off Monday, May 12th 2025, and features 12 live virtual workshops led by 10 expert contributors from the book. If you're ready to stop networking aimlessly and start building relationships that truly move you forward — this is your moment.Register at:  https://gr187.isrefer.com/go/wkshpseries/ErinDuffySupport the showThanks for listening! To book a free consultation with Aideen visit https://www.confidenceinsinging.com/contact/

EP.76

Do you believe stocks are the best investment for retirement? Our data might surprise you. Recent surveys show only 27% of Americans prefer stocks for long-term savings, with real estate and cash following closely at 24% and 21%, respectively. We explore why many Americans avoid the stock market, citing volatility, intimidation, and beliefs that the system is rigged. These attitudes challenge the financial industry's stance that market investing is essential for retirement success. We discuss a different retirement planning approach focusing on income generation rather than account balances. This perspective shifts your attention from "how much you have" to "how much passive income you can produce" - potentially requiring less accumulated capital than traditional methods suggest. Learn how unearned income provides flexibility and peace of mind, whether you're facing job transitions or full retirement. We share how building passive income streams creates more options and negotiating power throughout your career. Join us as we challenge conventional retirement wisdom and explore alternative strategies, including how insurance products can complement your retirement income plan. Discover a fresh perspective on preparing for your future, emphasizing financial freedom through income rather than accumulation. _________________________________ Ready to rethink your retirement strategy? Contact us today to learn how to build an income-focused retirement plan that fits your comfort level and goals. 

Frustrated with your capped income? Here's how to get more PT clients faster, while streamlining the process for both you and your business. This week's topics:1. Your stats are your plan forward 3:412. Better calls = More appointments 11:503. How to actually close more sales 23:334. The solution, streamlined for you 32:34Pre-register for Breakout PT:⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠Access⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Become a Standout PT:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Access⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Join our community: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Access⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠As always, if you have any questions or suggestions, feel free to drop a comment or get in touch!

This might be one of the most powerful riffs I've ever shared—and it's too important to keep inside The Self-Led Coach pre-work. In this bonus episode, I'm sharing a teaching pulled straight from day three that's already shifting things for the women inside. We talk a lot about self-leadership in the coaching space. About ownership. About cleaning up our side of the street. But what we don't talk about is the shame that so many self-led women secretly carry while doing that work. This is about the responsibility you've taken on, the standards you hold—and the subtle, almost invisible belief underneath it all that says: you're flawed for getting it wrong. You're not. And this riff might just change everything you thought you knew about being a self-led woman. Doors to The Self-Led Coach are open. Join The Self Led Coach Here

Our vibration—the energy within us—acts as a filter through which we perceive and create our reality. When we understand that we see the world not as it is but as we are, we gain the power to consciously shape our experience.• Reality is infinite and we only see it through the filter of our own vibration• Moving from fear to love shifts what we're capable of perceiving in our environment• "Income" actually refers to our inner state (in-come), while money is the outcome• Our subconscious constantly scans reality to confirm our existing beliefs• Mental health struggles result from living from the outside in instead of the inside out• The physical world mirrors our internal frequency, making us accountable for our experiences• Higher vibrations grant access to spiritual truths that previously seemed nonsensical• Synchronicities become normal when we reach higher states of consciousness• Life is about energetic alignment rather than material accumulation• Patience is required as we hold our frequency, knowing manifestation must followYour vibration is everything. Monitor how you feel, pay attention to your emotional state, and consciously choose the frequency you want to broadcast. When you maintain the vibration of what you want to experience, what you desire must eventually manifest in physical reality.Book Your DG Mindset Experience Retreat Now Join Coaching For Coaches Mentorship

The multifamily space has many niches and myriad ways to maximize invested dollars.  One of the more specialized multifamily niches is government voucher programs, otherwise known as Section 8. These can be great properties to invest in because the need for this kind of housing is immense, tenants stay for many years, and rents are guaranteed by the government. There are complexities to implementing these programs, so the competition to acquire these properties is lower than market rate apartments. Beck Vissat, Principal at Boundary Stone Capital, operates section 8 properties in Washington, D.C. and is looking to expand into surrounding states.

Natalie Wynn is a lifestyle solopreneur who went from burnout and doing all the things to building a purpose-driven business that earns her a full-time income on part-time hours. Now she helps high-achieving women shift their mindset, simplify their strategy, and create success that actually feels good.

The wealthy do a great job setting their kids up for financial independence early on but most of us are clueless - and NO - the school system unfortunately DOES NOT give them this core foundation.As parents, all of us would do anything to keep our kids from making the same avoidable mistakes we made. So our kids Aren't stuck in the hedonic cycle of trading their time for money Aren't sucked into soul crushing jobs where they don't have autonomyAren't relying on a salary for their financial security So they can experience time, geographic & legacy freedom before they hit mid life! So they can pursue their true passions because they are financially secure…If you want to learn how to get your kids EarningInvesting & Becoming millionaires All before they are 18 Join me as I dive deep into Income shifting - Kids go from being your biggest expense to your biggest deductionInvestment vehicles that are 10x better than their 529What the wealthy do to set their kids up for successGenerationalwealth Starts with you....⏰ Interested in registering for our In-Person Event this October? Join the Physician Freedom Summit, tickets on sale now! Learn More: https://www.generationalwealthmd.com/summit

Send us a textLet's recalibrate your energy to big business growth in a way that feels SO GOOD.  I'm breaking down the tangible shifts you want to make when it comes to your online business so, let's get into it!Join The Luxury Of It All: https://www.brittneyjonesceo.com/luxuryofitallGet My 7 Figure Guide: https://brittney-ceo.mykajabi.com/offers/fbKnBwSM/checkoutGet my FREE weekly biz babe moves straight to your inboxhttps://view.flodesk.com/pages/624b64b2a15594c239cada7bJoin my Facebook Grouphttps://www.facebook.com/groups/131279237732613Follow me on Ig @brittneyceo for my daily life, hot biz tips, and morehttps://www.instagram.com/brittneyceo/

For most physicians, leaving the comfort of an employed position (W-2) to pursue an independent contract position (1099) is daunting. With 1099/K-1 income, you can implement many strategies that will allow you to set yourself up for financial independence. During this podcast, you will learn how earning 1099/K-1 income offers you the ability to optimize your retirement contributions, maximize business expenses, and customize insurance policies and investments. As an independent contractor (IC) you can also minimize your taxable income. After all, it's not about how much money you earn but how much money you keep. The IC model isn't for everyone, but if done the right way, it can positively impact your annual financial portfolio.  Moderator: Colin Mizuo, DPM, FACFAS Panelists: Nolan Pendleton, CFP®, MBA Run time - 39m

Sometimes the path to success isn't straight—and that's exactly where the magic happens. In this episode, Rebecca Hay sits down with Rebekah Higgs, the creative force behind DIY Mom, to share how she turned her passion for DIY into a thriving, multi-income design business. Rebekah opens up about her journey from musician to single mom to TV host and entrepreneur, revealing the systems, mindset shifts, and bold moves that helped her grow her brand. We dive into how she layered income streams like TV production, Airbnb rentals, client renovations, and influencer partnerships, and why learning to delegate was essential for her business (and her sanity!). We also talk about how perfectionism can secretly hold you back, why letting go is the key to real progress, and how setting up the right systems can change everything. Plus, Rebekah shares some seriously powerful advice on how to end a project strong—and leave clients raving about the experience. If you're dreaming of turning your passion into a business or scaling your design firm, this conversation is packed with real-life takeaways you won't want to miss!   Follow Rebekah: @diymom.ca Watch DIY Mom: YouTube | TryBinge.tv Learn more: www.diymom.ca     Download our Free Resources ➡️ Pre-qualify your clients with my Discovery Call Script ➡️ Stay confident from beginning to end with my Consultation Checklist    ➡️ Looking for a quick infusion of cash? Grab my 4 easy ways of increasing your revenue   Looking to elevate your business? Learn more about our courses ➡️ Want the complete blueprint to calculate your design fee with confidence and ease? Learn more about my Pricing with Confidence course ➡️ Want to be the first to know when Power of Process is returning? Click to learn more about the business blueprint for interior design firm owners. ➡️Want to be the first to know when the next episode drops? Don't forget to SUBSCRIBE to the Resilient by Design Podcast wherever you listen to podcasts!

In Episode 255 of the Cardone Zone, Grant Cardone dives deep into one of the most important financial disciplines you can master: living on just 20% of your income. Grant breaks down the critical steps required to move beyond just being rich and instead reach true wealth. Learn the difference between rich and wealthy, why most people never escape financial insecurity, and how mastering your spending and investing habits is the key to lasting financial freedom.  Follow us on all our social platforms @GRANTCARDONE, or visit GRANTCARDONE.com, and tune in to Grant on Sirius XM Business Radio for more insights into building your empire!

In this solo Q&A episode, I answer your top questions around investing, financial independence, and managing money through the ups and downs of real life. From overcoming investing fears to navigating inconsistent income, I share personal insights and strategies that have helped me make progress on the path to financial freedom. You'll hear my thoughts on balancing debt payoff with investing, how to approach FIRE with an average income, and why mindset plays a bigger role than many realize. In this episode, I share: How you can start investing even when it feels overwhelming & one money habit that changed everything Thoughts on Coast FI and Barista FI for parents or part-time workers plus is FIRE in high-cost cities like NYC or LA possible?  Ways to calculate your FIRE number even when your future feels uncertain, and how to factor pensions and Social Security into your long-term plan. How to rewire limiting money beliefs from your upbringing and how to stay motivated when your progress feels slow Other Links Mentioned in episode:  Get the FIRE Calc Tool For Yourself Here. Join the Journey to Launch Book Club to dive deeper into financial freedom with guided discussions and resources here! Get your copy of my book: Your Journey To Financial Freedom! Join The Weekly Newsletter List to get updates, deals & more! Leave Your Journey To Financial Freedom a review! Get The Budget Bootcamp Check out my personal website here. Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link. What stage of the financial journey are you on? Are you working on financial stability or work flexibility? Find out with this free assessment and get a curated list of the 10 next best episodes for you to listen to depending on your stage. Check it out here! Connect with me: Instagram: @Journeytolaunch Twitter: @JourneyToLaunch Facebook: @Journey To Launch Join the Private Facebook Group Join the Waitlist for My FI Course Get The Free Jumpstart Guide

What if the teacher conference you actually needed helped you build income, not just lesson plans? In this episode, I'm sharing why the From Lessons to Lasting Income Summit could be the exact thing you've been waiting for. No fluff, just real talk about what's possible when teachers like you stop doing it all alone and start building something sustainable. You'll hear: Why I created this summit for teachers ready for more. Who it's for (spoiler: if you're teacher-tired but still dreaming, it's you). How this one-day event can spark real change—with tools, stories, and community. You don't need a million-dollar idea or a 10-person team. You just need the next right step—and maybe a little encouragement to take it. In this episode, you will learn: The power of taking your lessons beyond the classroom (without quitting your job). How other teachers just like you are building lasting income on their terms. Why this summit might be your best first (or next!) move. Links Mentioned in this Episode about joining a teacher summit:  This isn't your typical teacher resource. It's the gentle nudge you've been waiting for. kaysemorris.com/summit Come hang out on IG → @kaysemorris and be sure to tag me with your summit takeaways—I'd love to hear your story!  CEO Teacher® Resources Worth Their Weight in Gold You're already a wealth of knowledge! You're a teacher after all. You've got the skills, the passion, and the creativity to build a thriving online business. You may just not yet know what you want to create or how to get started.    If that's you- First things first:  Grab the “Start or Expand Your Teacher Business” workbook. It's your roadmap to success! This isn't just another worksheet to fill your Google Drive downloads folder– it's your personalized blueprint for getting started building a profitable online business.   Now if you are a seasoned CEO Teacher® who has all the systems in place, has started showing up, and is still feeling overwhelmed with all the tasks and to-dos of building your teaching legacy? No problem! Let's break it down together.    Your first step is to understand your CEO Teacher® Type, and all the goodness and inspiration that comes along with your already remarkable skill set! Take the 2 Minute quiz here so we can navigate the hard parts together!   And if leveling up your knowledge with books is your love language, I have a whole library shelf of goodness just for you! CEO Teacher® Book List Ready to connect with a community of inspiring educators? Join the conversation! Instagram: Tag me @theceoteacher and let's chat about your edupreneur journey. No topic is off limits, and it's always a party in the DM's- just sayin' Podcast: Subscribe on iTunes and never miss an episode. This is your weekly go-to for all things teacher business, marketing, and mindset… Leave a Review: Help other teachers discover the CEO Teacher® Podcast and lean into their teacher magic! Join The Community: The CEO Teacher's Lounge is a community for ANY educator building an online business who doesn't want to do it alone. kaysemorris.com/patreon This isn't your average teacher summit—it's where your teaching magic starts working for YOU. P.S. Check out our latest CEO Teacher® Podcast episodes and blog posts for more inspiration and actionable advice. Ready for a teacher summit that goes beyond PD? Let's turn what you know into what you grow.  A Teachers Guide to Memberships That Work For You Stop Selling Products, Start Building Community The Products in your TPT Store Have More Potential Than You Think   P.P.S. Don't forget to grab your free bag of virtual teacher goodies and start making your mark online!   I believe in you! YOUR best is yet to come! Kayse

AI didn't just rewrite the rules—it burned the old playbook.The idea of long-term "job security"? Gone.But here's the twist:This isn't a threat. It's a wake-up call.Because the people who adapt aren't just surviving—they're winning.The rest? Still playing by rules that no longer exist.Let's talk about what to do next.Newsletter: Sign up for our free daily newsletterMore on this Episode: Episode PageJoin the discussion: Thoughts on this? Join the convo.Upcoming Episodes: Check out the upcoming Everyday AI Livestream lineupWebsite: YourEverydayAI.comEmail The Show: info@youreverydayai.comConnect with Jordan on LinkedInTopics Covered in This Episode:AI's Impact on Job SecurityFuture of Full-Time EmploymentClarity AI CEO's Personal ExperiencesCoping with AI Layoff AnxietyShopify's AI Workforce StrategyUpskilling to Future-Proof CareersPersonal Branding & Networking ImportanceEmergency Plans for AI LayoffsTimestamps:00:00 "Job Security's End in AI Era"03:59 Navigating AI Layoff Anxiety08:00 Future-Proofing Company Leadership11:34 "Why Companies Struggle with Training"14:35 "AI Predictions Impacting Job Security"20:17 "Financial Preparedness & Career Resilience"22:30 "Future-Ready Skills for Developers"24:53 Work Trends and Future Job SecurityKeywords:Job security in the age of AI, Future of work, Upskill, Reskill, Full-time employment, AI tools, Clarity AI, AI layoffs, Layoff anxiety, Personal branding, Networking, Gig economy, Upwork, Video editing, Debugging generated code, AI systems, Senior positions, Entry-level jobs, Skill set changes, Emergency plan, Financial stability, AI prototyping, Data solutions, Freelance, Income diversification, Automation, Digital twins, Roadmap to careers, AI influencer, Modern careers, AI-driven marketplaces, Team restructuring.Send Everyday AI and Jordan a text message. (We can't reply back unless you leave contact info) Ready for ROI on GenAI? Go to youreverydayai.com/partner

Growing and nurturing your email list, understanding your subscribers' needs, and creating lead magnets with Matt Molen from Email Crush.  ----- Welcome to episode 516 of The Food Blogger Pro Podcast! This week on the podcast, Bjork interviews Matt Molen, the CEO of Email Crush.  Diversifying Income Series: Monetizing Your Email List with Matt Molen In this episode, Matt shares email marketing principles and why it's one of the most powerful tools bloggers often overlook. He breaks down how to grow your list, why your subscribers are more valuable than you think, and how email can become a key revenue stream if you do it right! Matt also offers practical tips on creating convert lead magnets, writing emails people want to read, and building trust through simple, effective sequences. Whether you're starting from scratch or ready to level up, this interview is packed with email strategies you can start using today! Three episode takeaways: Email marketing that actually pays off: For food bloggers, email is more than a newsletter — it's a key revenue stream. From sharing your story to promoting products or partnerships, it's one of the most effective ways to grow your income and your brand. How to build (and nurture) your list with intention: Your current traffic is your best resource for growing your list. With the right lead magnets—think quick-start guides, mini recipe series, or kitchen cheat sheets—you can attract the right audience and keep them coming back for more. Consistency and value drive results: Whether it's a weekly roundup or seasonal content, consistent, valuable emails lead to higher engagement. Understand what your readers need, simplify your messaging, and make every email worth opening. Resources: Email Crush MarketBeat EmailCrush's Email Profitability Calculator Matt's course, Email on Autopilot Email Matt! Join the Food Blogger Pro Podcast Facebook Group Thank you to our sponsor! This episode is sponsored by Clariti. Learn more about our sponsors at foodbloggerpro.com/sponsors. Interested in working with us too? Learn more about our sponsorship opportunities and how to get started here. If you have any comments, questions, or suggestions for interviews, be sure to email them to podcast@foodbloggerpro.com. Learn more about joining the Food Blogger Pro community at foodbloggerpro.com/membership.

Daniel and Hannah are navigating the messy middle - raising kids, building careers, and working toward big financial goals (like homeownership and financial independence). We talk about budgeting on a $100K income, the tough trade-offs between Roth contributions and emergency savings, and the pressure to "do it all" while staying grounded. Can we help set an intentional plan today for their great big beautiful tomorrow? 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