Podcasts about life find

This week, we have the inside scoop on how Intel Ireland may be affected by their global restructuring plan. We look at how bad things have got at Tesla and X, and wrap up with the surprising results from a human vs. robot half-marathon challenge.Plus we discover how tech is helping our physical and mental health with guest Stephen Costello, CEO and co-founder of Spectrum.Life   Find out more at https://www.spectrum.life/Listen to Tech Radio on Apple, Spotify or YouTube—----- Apple - https://podcasts.apple.com/us/podcast/tech-radio-ireland/id256279328Spotify - https://open.spotify.com/show/5vAWM1vvHbQKYE79dgCGY2YouTube - https://www.youtube.com/@TechRadioIrelandRSS - https://feeds.transistor.fm/techradio

Is a 100% index fund portfolio no longer the FIRE formula? The market has changed, and maybe your portfolio allocation needs to change with it. With index funds at all-time-high prices and price-to-earnings ratios at an eye-watering 29, you might be feeling a bit worried about whether your FIRE will last or you'll even make it to FIRE in the first place. You're not crazy; Scott is feeling the same way, too. Recently, Scott decided to make a move much of the FIRE community would protest—he sold 40% of his index fund portfolio to reallocate to real estate. Why did he do it now, even as a strong index fund believer? On the other hand, why is Mindy sticking with her stock and index fund portfolio, ready to ride out whatever potential market downturn could be coming our way? Scott explains, in detail, why real estate is a better choice for him at the moment, the reason prudent FIRE chasers should question the conventional wisdom of a 100% index fund portfolio, and why his new rental property could act as a hedge against a significant market downturn. If Scott is selling his index funds, should you?  In This Episode We Cover The historical price-to-earnings ratios making index funds a riskier bet  How holding 100% index funds could throw your FIRE off by a decade The optimal portfolio for retiring early on the four percent rule  Is real estate a safer bet than stocks in 2025? Real estate cash flow vs. selling stocks for income and why one is much easier to actualize  And So Much More! Links from the Show Mindy on BiggerPockets Scott on BiggerPockets Listen to All Your Favorite BiggerPockets Podcasts in One Place Join BiggerPockets for FREE Email Mindy: Mindy@biggerpockets.com Email Scott: Scott@biggerpockets.com BiggerPockets Money Facebook Group Follow BiggerPockets Money on Instagram “Like” BiggerPockets Money on Facebook BiggerPockets Money YouTube Channel Personal Finance Club Get Early Access to Real Estate's Biggest Event of the Year, BPCON2025 Get to FIRE Faster with “Set for Life” Find an Investor-Friendly Agent in Your Area BiggerPockets Money 599 - The Macro Analysis is Clear: Why We Are Reallocating (Away From Stocks) to Real Estate in 2025   Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-607 Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Travel hacking allows you to fly and travel for free, often in luxury, without spending tens of thousands of dollars on flights or hotels. So, how do you do it without managing thirty different credit cards in your wallet? Brian Kelly, AKA The Points Guy, world-renowned travel hacking expert and author of the new book How to Win at Travel, is here to show you as we rapid-fire our top credit card rewards questions at him. In this show, you'll learn how to fly to Europe, Asia, and beyond for FREE, even in business class, all by spending the same amount of money you typically would every month. These cards can turn your weekly grocery run into free flights, hotel stays, cashback, and more, plus give you huge perks like airport lounge access, travel protection, and even a credit to spend on your next trip. Love free money? This is how you get it. Plus, we're asking The Points Guy what cards he has in HIS wallet, what he spends on which card, and why he does NOT recommend staying loyal to a specific airline, even if you travel often. These tips alone could save you thousands of dollars this year while turning your economy seat into a lie-flat first-class experience. Don't let your money go to waste; start travel hacking! In This Episode We Cover How to travel for free by spending money on groceries, eating out, and business expenses The Points Guy's three favorite credit cards that everyone should keep in their wallet Why you (probably) shouldn't stay loyal to a specific airline, even if you have their credit card Why Chase points can get you even MORE free travel than American Express points Evaluating annual credit card fees and whether a $300+/year credit card is worth it Best credit cards for renters and those who live a frugal lifestyle (but still want to travel!) And So Much More! Links from the Show Mindy on BiggerPockets Scott on BiggerPockets Listen to All Your Favorite BiggerPockets Podcasts in One Place Join BiggerPockets for FREE Email Mindy: Mindy@biggerpockets.com Email Scott: Scott@biggerpockets.com BiggerPockets Money Facebook Group Follow BiggerPockets Money on Instagram “Like” BiggerPockets Money on Facebook Point.me Seats.aero Get Early Access to Real Estate's Biggest Event of the Year, BPCON2025 Learn to Save and Spend the Right Way with “Set for Life” Find an Investor-Friendly Agent in Your Area How to Earn Free Vacations With Travel Rewards Credit Cards (00:00) Intro (01:39) Travel for FREE! (06:06) Best Credit Cards for Beginners (13:48) Annual Fees (17:56) Brian's Favorite Credit Cards (20:51) Airline and Hotel Partner Cards (27:49) Keeping Track of Cards (29:34) Best First Card? (31:21) Cards for Low-Spenders (34:03) Inheriting Points? (36:52) WIN at Travel! (39:01) Get Your Points! Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-606 Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Does the four-percent rule actually work? On paper, yes. So why don't more people put it to the test? Today's guest retired at forty-seven years old and is living proof that the math really does check out. Stay tuned to find out how! Welcome back to the BiggerPockets Money podcast! Bobby Beck has done what so many in the FIRE community are seemingly unable to do—he actually retired on the four-percent rule! What's more? He did it while living in the Bay Area, one of the most expensive markets in the US. What gave him the confidence to leave his job and never look back? While “One More Year Syndrome” keeps many people from retiring early, Bobby's mantra of “take a year” compelled him to take a leap of faith. Even though his retirement portfolio took a sixteen-percent hit right before he retired, he weathered the storm, and sure enough, the market rebounded! Now, Bobby lives the life people dream of when they discover FIRE. He has a comfy lifestyle, travels multiple times a year, and only checks his portfolio once a month. If you need the motivation to call time on your career and put your retirement date on the calendar, you don't want to miss this episode! In This Episode We Cover How Bobby and his wife retired on the four-percent rule (at age 47!) Why the FIRE community overestimates how much they'll owe in taxes How to beat “One More Year Syndrome” and actually retire early Growing your brokerage accounts and cash to avoid the middle-class trap The portfolio allocation that will give you the confidence to retire And So Much More! Links from the Show Mindy on BiggerPockets Scott on BiggerPockets Listen to All Your Favorite BiggerPockets Podcasts in One Place Join BiggerPockets for FREE Email Mindy: Mindy@biggerpockets.com Email Scott: Scott@biggerpockets.com BiggerPockets Money Facebook Group Follow BiggerPockets Money on Instagram “Like” BiggerPockets Money on Facebook Sign Up for BiggerPockets Momentum 2025 to Reach FIRE Faster Maximize Your Real Estate Investing with a Self-Directed IRA from Equity Trust Learn How to Retire Early with Scott's Book “Set for Life” Find an Investor-Friendly Agent in Your Area How Much Do You Need for Early Retirement? (How to Calculate Your FI Number) (00:00) Intro (01:03) Retired at 47! (05:49) Bobby's Portfolio (08:35) Real Estate Investments (17:05) Withdrawals & Tax Strategies (26:45) 100% Stock Portfolio (34:36) What Does Your Life Cost? (39:47) The 4% Rule Works! Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-605 Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com Learn more about your ad choices. Visit megaphone.fm/adchoices

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Do You Struggle with Your “Prayer Life”? Find a Quiet Place for Your Personal Relationship with God and Pray to the Universe's Creator MESSAGE SUMMARY: Do you struggle with your “Prayer Life”, even though you know it is the most important component of a life lived as a Jesus Follower? Abraham provides you with a model for a “Prayer Life” that works. Abraham was an awesome man, and he had things happen in his life that were both important for him and humankind down through the ages as a resultant of his “Prayer Life”. For the development of your own “Prayer Life”, you can learn from Abraham's “Prayer Life”. One of the first things Abraham did, when he went to a new location or was in a new situation, was to build an altar to the Lord and call on the Lord's name in prayer. In Genesis 12:8, Abraham's focus on and the priority given to his “Prayer Life” is described: “From there he {Abraham}moved to the hill country on the east of Bethel and pitched his tent, with Bethel on the west and Ai on the east. And there he built an altar to the LORD and called upon the name of the LORD.". Prayer was a priority for Abraham to build a place for God in his life and for his personal relationship with God. A way you can follow Abraham's example is to find an altar, a church, or a quiet place in your life to worship and pray, and to call upon the Lord's name like Abraham.   TODAY'S PRAYER: Lord, Sabbath rest is truly an unbelievable gift! Thank you that there is nothing I can do to earn your love; it comes without any strings attached. As I close my eyes for these few minutes before you, all I can say is, thank you! In Jesus' name, amen.  Scazzero, Peter. Emotionally Healthy Spirituality Day by Day (p. 133). Zondervan. Kindle Edition. TODAY'S AFFIRMATION: Today, I affirm that because of what God has done for me in His Son, Jesus, I AM RIGHTEOUS IN GOD'S EYES. God made Him who had no sin to be sin for us, so that in Him we might become the righteousness of God. 2 Corinthians 5:21 SCRIPTURE REFERENCE (ESV): Genesis 12:7-8; Genesis 13:3-18; Genesis 22:9-14; Psalms 79:1-13. A WORD FROM THE LORD WEBSITE: www.AWFTL.org. THIS SUNDAY'S AUDIO SERMON: You can listen to Archbishop Beach's Current Sunday Sermon: “Beginnings of Prayer -- Part 3: Prayer is Not About Us, It Is About Others” at our Website: https://awordfromthelord.org/listen/    DONATE TO AWFTL: https://mygiving.secure.force.com/GXDonateNow?id=a0Ui000000DglsqEAB

Is it a good time to invest in real estate? Yes, and we have proof that real estate may be underpriced, even as we hover around the most expensive average home prices in history. How can real estate be undervalued when prices are at historic highs? Dave is sitting down with Scott Trench, CEO of BiggerPockets, who has condensed ten hours' worth of research into one episode to prove to you that, without a doubt, real estate will be winning over the next few years. Plus, he's about to make a BIG financial bet on it. We've been talking a lot about entering the “upside” era recently—the new cycle of real estate investing—and wanted Scott's take on it, too. He has invested in real estate for over a decade, reached financial independence through rental properties, and has been openly critical about multiple sectors of the real estate industry over the past few years.  Today, Scott makes a compelling case for real estate as a better investment than stocks, crypto, or gold. Some specific real estate niches could see prices drop even more, making 2025 (and 2026) phenomenal opportunities to buy. Make your choice: tune into this episode and build wealth while others sit on the sidelines or wish you had done so in a few years.  In This Episode We Cover: Why residential real estate may actually be undervalued in 2025  One sector of real estate with enormous buying opportunities nobody is noticing  Scott's MASSIVE real estate bet and why he's selling much of his stock portfolio Where interest rates will be in 2025 and whether they could rise even more  Rental housing demand and the almost irrefutable case that rent prices will rise  Why Scott believes Bitcoin will be going to $0 in the long term  And So Much More! Links from the Show Join BiggerPockets for FREE Let Us Know What You Thought of the Show! Ask Your Question on the BiggerPockets Forums BiggerPockets YouTube BiggerPockets Money Podcast Rent Growth Treasury Yields Real Median Household Income Median Sales Price of Houses S&P 500 Ten-Year Returns vs. S&P 500 P/E Join the Future of Real Estate Investing with Fundrise Grab Scott's Book, “Set for Life” Find an Investor-Friendly Agent in Your Area The Rational Investor's Case Against Bitcoin Connect with Scott Connect with Dave Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/real-estate-1071 Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

From over $300,000 in debt to a millionaire in just eight years?! No matter where you're at, it's never too late to get on the path to financial freedom. This entrepreneur is proof that a little discipline, frugality, and creativity can radically change your financial trajectory! Welcome back to the BiggerPockets Money podcast! Today, we're speaking with Bernadette Joy, founder of Crush Your Money Goals. In 2016, Bernadette had dug herself a six-figure hole—a combination of student loans, credit cards, and mortgages—simply by listening to bad money advice. But in just THREE years, she paid off all of her debt and has since built a net worth of $1.8 million! How did she create such an enormous swing in less than a decade? In this episode, she'll show you the exact steps she took so that YOU can do the same! Want to accelerate your journey to FIRE? Bernadette has all kinds of budgeting tips, debt paydown strategies, and side hustles that will help you reach your financial goals much faster. Stay tuned to learn how to wipe out your debt as quickly as possible, save for retirement, and even make an extra $100 a day alongside your nine-to-five job! In This Episode We Cover How Bernadette paid off $300,000 in debt in just THREE years Making an extra $100 a day with side hustles (while working a W2 job) The three-bucket, zero-based budget that balances frugality and freedom Using the “snowball” method to pay off student loan debt faster Whether you should keep a large cash position (or invest it!) How to manage financial anxiety on the road to financial independence And So Much More! Links from the Show Mindy on BiggerPockets Scott on BiggerPockets Listen to All Your Favorite BiggerPockets Podcasts in One Place Join BiggerPockets for FREE Email Mindy: Mindy@biggerpockets.com Email Scott: Scott@biggerpockets.com BiggerPockets Money Facebook Group Grab Scott's Book “Set for Life” Find an Investor-Friendly Agent in Your Area BiggerPockets Money 586 – Average Net Worth by Age (How Do You Compare?) Connect with Bernadette   (00:00) Intro (00:59) Getting Into $300K of Debt (04:52) The Zero-Based Budget (14:00) Starting Side Hustles (18:33) Making an Extra $100/Day (24:44) Bernadette's Portfolio (37:47) Connect with Bernadette! (39:16) Crush Your Money Goals! Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-598 Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com Learn more about your ad choices. Visit megaphone.fm/adchoices

“Do I have enough to retire?” is a question most people in the FIRE community grapple with, but today, we're sharing a FREE tool that will help you put this issue to bed! If you're concerned about running out of money later in life or developing “One More Year Syndrome,” you won't want to miss this episode! Welcome back to the BiggerPockets Money podcast! Software engineer Lauren Boland has developed a FIRE calculator that predicts whether your nest egg will be able to support you in retirement. This powerful tool takes dozens of key data points—such as your financial independence number, retirement age, annual expenses, portfolio mix, and historical returns—to simulate multiple retirement scenarios. In this episode, Lauren, Scott, and Mindy are going to walk you through this powerful tool, step-by-step! Does the four-percent rule still work in 2025? How much do you really need to save for retirement? Whether you're just starting your quest for FIRE or looking to tweak your investment portfolio as you approach retirement, cFIREsim will show you where you stand and what you might need to adjust to meet your retirement goals! In This Episode We Cover A step-by-step walkthrough of Lauren's FREE cFIREsim tool How much money you actually need to retire early Reverse-engineering your financial independence number Whether you can still retire on the four-percent rule in 2025 How to ensure that your money not only lasts but also grows in retirement And So Much More! Links from the Show Mindy on BiggerPockets Scott on BiggerPockets Listen to All Your Favorite BiggerPockets Podcasts in One Place Join BiggerPockets for FREE Email Mindy: Mindy@biggerpockets.com Email Scott: Scott@biggerpockets.com BiggerPockets Money Facebook Group cFIREsim Tool Lauren's Bluesky Social Security Administration Get to FIRE Faster with Scott's Book “Set for Life” Find an Investor-Friendly Agent in Your Area How Much Do You Need for Early Retirement? (How to Calculate Your FI Number) Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-597 Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Hello to you listening on this first day of the future 2025! What will come will come; let's prepare to greet it “heads high and hearts open.” [PlutoLiving] Perhaps you are feeling apprehensive, open, poised for the race ahead, curious, or, even a little stranded as 2025 makes its way toward you. I have a suggestion because what you're looking for is looking for you:Lost"Stand still. The trees ahead and bushes beside youAre not lost. Wherever you are is called Here,And you must treat it as a powerful stranger,Must ask permission to know it and be known.The forest breathes. Listen. It answers,I have made this place around you.If you leave it, you may come back again, saying Here.No two trees are the same to Raven.No two branches are the same to Wren.If what a tree or a bush does is lost on you,You are surely lost. Stand still. The forest knowsWhere you are. You must let it find you." [David Wagoner]From Traveling Light: Collected and New Poems. Copyright 1999 by David Wagoner. Used with permission of the University of Illinois Press.You're always invited: “Come for the stories - stay for the magic!” Speaking of magic, would you subscribe and spread the word with a generous 5-star review and comment - it helps us all - and join us next time!Meanwhile, stop by my Quarter Moon Story Arts website to:✓ Check out Services I Offer,✓ For a no-obligation conversation about your communication challenges, get in touch with me today✓ Stay current with Diane as “Wyzga on Words” on Substack, LinkedIn and now Pandora RadioStories From Women Who Walk Production TeamPodcaster: Diane F Wyzga & Quarter Moon Story ArtsMusic: Mer's Waltz from Crossing the Waters by Steve Schuch & Night Heron MusicAll content and image © 2019 to Present Quarter Moon Story Arts. All rights reserved.

Got a late start on your retirement planning? Do you feel like you missed the boat and won't be able to retire on your timeline? We've got good news for you in today's episode—it's never too late for retirement (and even EARLY retirement!). No matter what age you're at, how much you have in the bank, and how much you make, you CAN retire on your terms, and our guests will prove it. The question is, will you follow through on their time-tested system for reaching retirement? Bill Yount and Jackie Cummings Koski from the Catching Up to FI podcast are here to show you that whatever your situation is, you can get on track for retirement. Bill and Jackie both were late starters, only taking retirement seriously decades after starting their working careers. Even with their “late start,” Bill and Jackie were able to massively multiply their net worths and retirement savings, allowing them to reach financial freedom on their terms. In today's show, Bill and Jackie walk through the four steps that anyone can take to begin saving for retirement. You don't need ANY money to take these initial steps, but doing so will change your entire financial future. Stick around for our next show as we get into the nitty gritty of retirement planning and put you directly on the path to retirement or early retirement! In This Episode We Cover: The four steps anyone can take to reach retirement Why it's okay to be a “late starter,” especially when it comes to retirement planning How to do a “backward budget” to quickly and easily see how much you're spending  Why you MUST look back on the financial “lessons” you've learned to build wealth now! Getting clear on your goals and what you want to achieve so you can reach retirement The “trifecta of mistakes” Bill made and how even that didn't stop his financial freedom journey! And So Much More! Links from the Show Join BiggerPockets for FREE Let Us Know What You Thought of the Show! Ask Your Question on the BiggerPockets Forums BiggerPockets YouTube The BiggerPockets Money Podcast BiggerPockets Money 314 - Finance Friday: How to Get to Early Retirement Even Faster BiggerPockets Money 422 - The Late Starter's Guide to Financial Independence (Even in Your 50s!) w/Bill Yount and Becky Heptig BiggerPockets Money 527 - Retired at 49 on an Average Salary after Getting a “Late Start” to FIRE w/Jackie Cummings Koski Catching Up to FI Reach Financial Independence Faster with "Set for Life" Find an Investor-Friendly Agent in Your Area BiggerPockets Money 422 - The Late Starter's Guide to Financial Independence (Even in Your 50s!) Connect with Scott Connect with Mindy Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/real-estate-1063 Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

Got debt to pay off? You might relate to Leo, a personal finance journalist who's focused on financial stability over FIRE—at least for now. With six figures in student loans and credit card debt, Leo found themselves in a tough spot after being laid off with no safety net. Determined never to end up in that position again, they began chipping away at their debt, working toward financial peace of mind instead of a relentless grind to early retirement. Leo shares why their approach to financial freedom is different. While they don't want to wait until sixty-five to retire, they've crafted a “wealth plan” that balances paying off debt, building a safety net, and creating a better life today.  In this episode, Leo dives deep into budgeting tips, debt repayment strategies, and the unique financial challenges faced by LGBTQ+ individuals. Tired of the all-out grind to FIRE and want “financial stability” instead? Leo has just what you need!  In This Episode We Cover Why financial stability can be just as important as the FIRE grind Leo's practical strategies for budgeting and paying off six-figure debt How to create a wealth plan that supports your life—even while tackling debt The sacrifices worth making (and the ones that aren't!) in your financial journey Why an “accountability buddy” is a cheat code for achieving your financial goals  And So Much More!   Links from the Show Mindy on BiggerPockets Scott on BiggerPockets Listen to All Your Favorite BiggerPockets Podcasts in One Place Join BiggerPockets for FREE Email Mindy: Mindy@biggerpockets.com Email Scott: Scott@biggerpockets.com BiggerPockets Money Facebook Group Follow Leo on Instagram Support Today's Show Sponsor, Connect Invest, the Alternative Way to Earn Passive Income Through Real Estate Get Your Finances in Order with “Set for Life” Find an Investor-Friendly Agent in Your Area How to Pay Off Credit Card Debt FAST 00:00 Intro 03:41 Serious Credit Card Debt 06:26 Feeling Financial Shame? 08:40 Paying Down Six-Figure 10:33 Wealth "Planning" 13:37 Budgeting Their Debt Payoff 15:52 Financial Stability > Independence 20:06 Does FIRE Change You? 22:10 Best FIRE Advice? 26:23 Connect with Leo! Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-593 Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Are you worried you won't be able to retire at sixty-five? Feeling financially limited in your fifties and need a retirement plan so you can finally stop working? Well, we made this episode just for you. Today, we're teaching you how to retire on time at age sixty-five (or even retire early!) if you're starting from zero with no money to your name. We spell out exactly what we would do to go from a zero-dollar net worth to a million dollars in retirement! This is a step-by-step plan that anyone who wants to retire on time can follow. We'll walk through two personas: Barb, a recently divorced stay-at-home mom reentering the workforce with a zero-dollar net worth. Then, we'll touch on Sally, a six-figure income earner who also is starting from zero. Both scenarios take slightly different steps, so listen closely because your income level could completely change your money moves! Don't give up on retirement! No matter your age, these simple steps can help get you to a financially stable (if not flourishing) position. We'll talk about how to make more money, cut expenses, save every month, which investments you should prioritize for retirement, and what to do if you're still in debt! In This Episode We Cover How to go from broke at fifty to millionaire (and retirement-ready!) at sixty  The one beginner-friendly investment that could make you richer (faster) than traditional retirement accounts  Starting a side hustle and how to make more money so you can retire faster  The passive, stable, and relatively safe investment that anyone can put their money into  When to pay off debt and which interest rates to prioritize first  How to become a personal finance genius in just a year simply by “listening”  And So Much More! Links from the Show Mindy on BiggerPockets Scott on BiggerPockets Listen to All Your Favorite BiggerPockets Podcasts in One Place Join BiggerPockets for FREE Email Mindy: Mindy@biggerpockets.com Email Scott: Scott@biggerpockets.com BiggerPockets Money Facebook Group BiggerPockets Money 169 - Breaking the Taboo of Talking About Money with Friends, Family, and Bosses w/Erin Lowry  BiggerPockets Money 586 - Average Net Worth by Age (How Do You Compare?) Email setforlife@biggerpockets.com for a Free Copy of Set for Life Support Today's Show Sponsor, Connect Invest, the Alternative Way to Earn Passive Income Through Real Estate Grab Scott's Book, “Set for Life” Find an Investor-Friendly Agent in Your Area BiggerPockets Money 422 - The Late Starter's Guide to Financial Independence (Even in Your 50s!) (00:03) Intro (02:21) How to Start from ZERO! (06:33) Stay-at-Home Mom, No Income, Divorced (20:08) Six-Figure Income, $0 Net Worth (27:32) Investing Your Money (31:34) Paying Off Debt (36:24) Want More Retirement Strategies? Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-591 Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Christmas is a time where we can really lean into and celebrate family traditions! Christmas traditions: Gifts, Santa. decorating Spending time with loved ones Advent, carols, the nativity Christmas Eve, stockings, pyjamas, Jolabokaflod Christmas ninjas - giving & serving others Related Links: Take Back Christmas Family Traditions Help Kids Make Sense of Life Find us on Facebook or TikTok Subscribe to the Happy Families newsletter Leave a voice memo here or email your questions/comments to podcasts@happyfamilies.com.auSee omnystudio.com/listener for privacy information.

Alex Preziosi wants to reach financial independence by the age of forty-five, and with several hundred thousand dollars in retirement accounts, brokerage accounts, and savings, she's on pace to do just that. But now, she's thinking about quitting her W2 job. Can she still hit her FI goal? Today's guest has good problems, but problems, nonetheless! Welcome back to the BiggerPockets Money podcast! Since we last spoke with Alex, she has made two major leaps on her journey to financial independence. First, she has taken up house hacking, which pays for most of her mortgage in an expensive area of the US. But that's not all. She has also grown her side hustle as a real estate agent into a full-fledged business, where she now earns more than she does at her W2 job! These moves have only widened the gap between her income and her expenses, and, as a result, she's sitting on an even bigger pile of cash. Now, Alex finds herself at yet another crossroads. Is her W2 holding her back? Should she pursue full-time entrepreneurship while she has such a strong cash position? Stay tuned as we dive into the numbers and try to figure out Alex's best path to FI by forty-five! In This Episode We Cover The best path for Alex to reach financial independence by forty-five When to leave your W2 job and pursue full-time entrepreneurship How to lower (or eliminate!) your housing cost with the house hacking strategy Where to invest a large amount of cash (stock market versus real estate) Tax strategies that could help you save a fortune over your lifetime And So Much More! Links from the Show Mindy on BiggerPockets Scott on BiggerPockets Listen to All Your Favorite BiggerPockets Podcasts in One Place Join BiggerPockets for FREE Email Mindy: Mindy@biggerpockets.com Email Scott: Scott@biggerpockets.com BiggerPockets Money Facebook Group How to Talk to Anyone Buy Scott's Book “Set for Life” Find an Investor-Friendly Agent in Your Area BiggerPockets Money 395 – Finance Friday: House Hacking, Side Hustles, and the Path to FI by 45 w/Alex Preziosi Connect with Alex (00:00) Intro (01:14) Alex's Money Journey (04:26) House Hacking Numbers (08:01) Money Snapshot (14:24) Leaving Her W2? (23:30) Buying More Rentals (29:57) Alex's Investing Strategy (36:13) HUGE Cash Position (43:21) Connect with Alex! (44:57) “Unlock” Your Potential!   Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-589 Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com Learn more about your ad choices. Visit megaphone.fm/adchoices

There's a “middle-class trap” that can keep anyone from FIRE—yes, even high-income earners. Today's guest has a sizable nest egg that should allow her to retire early, but there are a few roadblocks in her way! At forty-seven, Allie has already built a net worth of $3,800,000. She would like to retire, and most people would assume she has enough to retire, but there are two problems. First, she lives in Orange County, California, one of the most expensive areas in the U.S., and has no plans to leave. The other issue? She has no cash! All of her money is tied up in home equity and retirement accounts. To retire, Allie has a BIG bet to make—one that could have a multi-million-dollar impact on her portfolio! Using Scott's “Keep or Sell Your Home” worksheet, we'll look at whether it would make more sense for Allie to keep or sell her Laguna Beach property. Will turning this home into a rental property give her the cash flow she needs, or is selling it and investing in the stock market the better long-term play? Tune in as we attempt to thread the needle and provide Allie with the best roadmap for a long, early retirement! In This Episode We Cover What Allie should do to reallocate her $3,800,000 nest egg and achieve financial freedom What to do with money locked up in home equity and retirement accounts Keeping your home as a rental property versus selling it and investing elsewhere Creative ways to improve your cash position so that you can retire early Building wealth with short-term rentals, live-in flips, and other real estate strategies Escaping the “middle-class trap” of earning high income in a high-cost-of-living area And So Much More! Links from the Show Mindy on BiggerPockets Scott on BiggerPockets Listen to All Your Favorite BiggerPockets Podcasts in One Place Join BiggerPockets for FREE Email Mindy: Mindy@biggerpockets.com Email Scott: Scott@biggerpockets.com BiggerPockets Money Facebook Group Support Today's Show Sponsor, Connect Invest, the Alternative Way to Earn Passive Income Through Real Estate Buy Scott's Book, “Set for Life” Find an Investor-Friendly Agent in Your Area Finance Friday: How the “Middle-Class Trap” Stops Your Early Retirement (00:00) Intro (01:00) Allie's Money Journey (03:36) Money Snapshot (13:50) Retiring in Laguna Beach (19:01) Keeping vs. Selling Her Home (26:06) The BIG Bet on Real Estate (34:01) Growing Cash & Renting Her Home (43:41) Real Estate vs. Stocks (52:02) What Should Allie Do? Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-585 Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Is frugality overrated? Is hustle culture a waste of time? Do we over-save for retirement? You don't have to look very far to find a hot take online, but is there some truth to these opinions? Today, we'll wade through bad financial advice, bust common money myths, and (hopefully) find some personal finance tips we agree with! Welcome back to the BiggerPockets Money podcast! Personal finance is personal for a reason. Spending, saving, and investing vary from one person to the next based on their habits, risk tolerance, and season of life. But how much advice is just flat-out wrong? In this episode, Mindy and Amanda Wolfe are breaking down some of the internet's wildest views on money. First, we'll share some of the biggest lies we were told about money when we started our financial independence journeys—like “the stock market is too risky” and “you should work until age sixty-five.” Then, we'll dive into seven controversial opinions and whether there's any validity to them. Should FIRE-focused folks ever take work sabbaticals? Is a one or two-month emergency fund enough in 2024? Is being a lifelong renter ever a savvy move? Which takes do we oppose, and which advice is actually worth following? Stay tuned to find out! In This Episode We Cover The biggest lies about money Mindy and Amanda used to believe Whether work sabbaticals are a smart use of money on the journey to FIRE The case against budgets and why you probably have one (even if you think you don't) Whether Americans save TOO much money for retirement (and why!) Why it's not overkill to keep a six-to-twelve-month emergency fund in 2024 The costs of buying a house and whether renting is ever the better retirement play And So Much More! Links from the Show Mindy on BiggerPockets Scott on BiggerPockets Listen to All Your Favorite BiggerPockets Podcasts in One Place Join BiggerPockets for FREE Email Mindy: Mindy@biggerpockets.com Email Scott: Scott@biggerpockets.com BiggerPockets Money Facebook Group BiggerPockets Money 97 - Intentionally Choosing the Path to Financial Independence with Financial Mechanic BiggerPockets Money 110 - Systematically Increasing Income and Intentionally Decreasing Spending with A Purple Life Amanda's Website Reach FIRE Faster with the Book “Set for Life” Find an Investor-Friendly Agent in Your Area Do You Need Debt to Reach FIRE? How to Use Leverage to Build Wealth (00:00) Intro (00:58) Money Lies We Used to Believe (03:25) Sabbaticals Are “Irresponsible” (07:33) I Don't Budget! (11:47) We Save TOO Much (19:54) Frugality Is Overrated (25:45) Hustling Is a Waste of Time (32:23) I'd Rather Rent Than Buy (34:57) Your Emergency Fund's Too Big (41:42) Connect with Amanda! Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-584 Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com Learn more about your ad choices. Visit megaphone.fm/adchoices

In this week's episode of Spiritual Shit, Alea Lovely unpacks the profound truth behind the channel she had: “Nothing will ever be as beautiful as this moment right now, which is the qualitative measure of my presence and the quantitative measure of my joy.”  Discover how cultivating presence in your daily life can shift your mindset, deepen your spiritual connection, and unlock true joy. Alea shares actionable tips, personal experiences, and spiritual insights to help you break free from past regrets and future anxieties, so you can fully embrace the beauty of now. Don't miss this transformative episode about how living in the present moment can change how you see the world. JOIN MY EMAIL LIST Work with me, your host,  here: Thelovelyalea.com Pre-order MEANINGFUL MANIFESTATION thelovelyalea.com/book Get spiritual 1-on-1 Coaching thelovelyalea.com/services Follow me on Instagram instagram.com/thelovelyalea ( Remember I will never DM you for readings - watch out for Scammers ! ) --- Support this podcast: https://podcasters.spotify.com/pod/show/thelovelyalea/support

Would you move abroad to reach FI faster? That wasn't Brooklin Nash's original goal when he left the US and began freelancing from afar. But now, years later, he realizes how much of a leg up he has financially by going all-in on “geo arbitrage.” He's saving a boatload in Guatemala, paying less to live the life he loves, and enjoying a tiny tax bill. Now in his mid-thirties, he's already Coast FIRE and works when and where he wants. But Brooklin's money story didn't start so stable. Being raised in a home with “risky” finances, to say the least (pyramid schemes, gambling, etc.), left him scarred and constantly worrying about keeping enough money in the bank. Thankfully, he changed his ways and realized that making money, rather than just saving every cent, was crucial to becoming financially free. He's paid off a significant sum in student loans and did it all while making a very meager income. Then, he scaled from freelancing abroad to building an entire business, making a phenomenal income while living in a low-cost-of-living area. He's living his dream life outside the US, making more money than Americans at home. Imagine what THAT can do for your FIRE number!  In This Episode We Cover Using “geo arbitrage” to save more, invest more, and lower your cost of living  An almost unbelievable income tax exclusion Americans abroad can access  How Brooklin paid off $80,000 in student debt (even on a lower income) Turning your freelancing work into a full-blown (and VERY high-paying) business  Why the optimal FIRE lifestyle may actually include working a few hours a day  And So Much More! Links from the Show Mindy on BiggerPockets Scott on BiggerPockets Listen to All Your Favorite BiggerPockets Podcasts in One Place Join BiggerPockets for FREE Email Mindy: Mindy@biggerpockets.com Email Scott: Scott@biggerpockets.com BiggerPockets Money Facebook Group Beam Content Try Baselane, the One Platform for All Your Property Banking & Finances Reach FI Faster with “Set for Life” Find an Investor-Friendly Agent in Your Area The Best (and Worst) States in the US to Retire in 2024 (FIRE Faster?) Connect with Brooklin (00:00) Intro (01:00) Pyramid Schemes, MLMs, and Risky Bets (04:35) Paying Off $80K Debt (10:30) Finding FIRE and First $100K (14:19) Freelancing to Boost Income (16:40) Building His Business (20:11) FIRE Progress (26:40) Why Live in Guatemala? (30:54) Investing from Abroad (32:43) Geographic Arbitrage 101 (38:19) Connect with Brooklin! Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-582 Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Yes, it's possible to retire early, even if you're just now diving into the FIRE movement. Early retirement could be within reach whether you're in your twenties, thirties, forties, or fifties. Imagine having complete freedom in a decade or less: no office politics, no boss, and, best of all, no spreadsheets! That's the life Arik Peterson built when he retired early at forty-four, leaving behind a demanding career in corporate investing. After reading Mr. Money Mustache's unmatched FIRE blog, Arik drastically changed his saving and investing habits, increasing his savings rate to seventy percent and redirecting his money into simple, steady investments many overlook. Today, his life looks vastly different—he spends his days fishing, biking, creating art, and working on DIY projects instead of staring at a computer screen, crunching numbers. In this episode, Arik shares his complete strategy for reaching financial independence, why he's skeptical of the 4% rule, his current investment choices, and how an unexpected layoff turned into his golden opportunity. Ready to ditch corporate America? Follow Arik's plan! In This Episode We Cover Why you must increase your savings rate if you want to reach FIRE fast  The simple, low-cost investment Arik has in his early retirement portfolio  Why you don't need to follow the 4% rule to finally quit your job and retire Making money in retirement and living off of side income streams Arik's killer advice for Roth investing that could make you tax-free millions  And So Much More! Links from the Show Mindy on BiggerPockets Scott on BiggerPockets Listen to All Your Favorite BiggerPockets Podcasts in One Place Join BiggerPockets for FREE Email Mindy: Mindy@biggerpockets.com Email Scott: Scott@biggerpockets.com BiggerPockets Money Facebook Group Live Long Live Often Support Today's Show Sponsor, Connect Invest, the Alternative Way to Earn Passive Income Through Real Estate Get to FIRE Faster “Set for Life” Find an Investor-Friendly Agent in Your Area What to Do Before You Quit the High-Pay & Benefits of Corporate World (00:00) Intro (00:58) Discovering FIRE (02:11) A VERY Stressful Job (04:58) Secret to Get to FIRE Faster (08:35) “Obsessing” Over Money (10:16) What He Invests In (12:44) Ignore the 4% Rule? (14:22) FIRE at 44! (17:07) Connect with Arik! Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-579 Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Should you move to reach FIRE? And if so, where to? In this episode, we're pulling back the curtain and revealing the best places to retire in the US in 2024. Living in one of these states could help fast-track financial freedom, and moving there for retirement could help your nest egg go further and improve your quality of life! Welcome back to the BiggerPockets Money podcast! Alex Gailey, a lead data reporter at Bankrate, has ranked all fifty states for retirement based on five weighted “buckets” made up of dozens of crucial data points. Today, she joins the show to share her findings with us. Whether you're looking to put down roots in a low-cost-of-living area or find a location that delivers your ideal retirement lifestyle, this list of states is a useful launching point for one of the most important life decisions you'll ever make! In this episode, you'll learn how changing your address could accelerate your financial independence timeline and allow you to retire early. Alex will break down the five factors people value most in retirement—affordability, well-being, cost and quality of healthcare, weather, and crime. Stay tuned to find out which states came out on top and which states you might want to avoid. The results even surprised us! In This Episode We Cover Breaking down Alex's list of best (and worst) states to retire in the US How to accelerate your FI timeline simply by changing your address The top five “buckets” that make up an ideal retirement destination The most crucial factors to consider when choosing where to retire How to take advantage of unique opportunities in high-cost-of-living areas And So Much More! Links from the Show Mindy on BiggerPockets Scott on BiggerPockets Listen to All Your Favorite BiggerPockets Podcasts in One Place Join BiggerPockets for FREE Email Mindy: Mindy@biggerpockets.com Email Scott: Scott@biggerpockets.com BiggerPockets Money Facebook Group Support Today's Show Sponsor, Connect Invest, the Alternative Way to Earn Passive Income Through Real Estate Best and Worst States for Retirement Alex's Twitter/X Buy Scott's Book “Set for Life” Find an Investor-Friendly Agent in Your Area How to Get PAID to Live in an Affordable City & Fast-Track Financial Freedom (00:00) Intro (01:26) Alex's Criteria (05:05) Best and Worst Places to Retire (11:38) Biggest Surprises (22:32) Retiring in an Expensive Area (29:10) Connect with Alex! (29:43) Accelerate Your FI Timeline! Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-578 Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Are you living your life intentionally, or are you simply reacting to the world around you? Do you feel a sense of wholeness and contentment, or are you constantly striving for something more? In today's episode, I dive into these fundamental questions about the nature of human existence with Dr Dan Siegel.   Dan received his medical degree from Harvard University and completed his postgraduate medical education at UCLA with training in Paediatrics and Child, Adolescent and Adult Psychiatry. He has spent decades studying family interactions with an emphasis on how our attachment experiences influence our emotions, behaviour and autobiographical memory.   He is also an award-winning educator, who was previously Clinical Professor of Psychiatry at the School of Medicine in UCLA, and he's the author of five New York Times bestsellers and over fifteen other books, including his very latest, Personality and Wholeness in Therapy.   In this conversation, Dan shares insights from his ground-breaking 20-year project on personality development. We discuss the difference between temperament and personality and explore how our innate tendencies interact with our life experiences to shape who we become.    Dan introduces his theory of ABC (Agency, Bonding, Certainty) as fundamental motivational networks influencing our personality and explains how understanding these can lead to greater self-awareness and personal growth.   We discuss the impact our childhood experiences have on our adult lives. Dan shares his ‘4 S's' of parenting - a brilliant framework which helps us build emotionally resilient children. We also go through Dan's ‘Wheel of Awareness' practice - a powerful tool that helps us move - from a reactive state to a more intentional, receptive way of living.   Dan's message is one of hope and it reminds us that it's never too late to work on ourselves and find that sense of wholeness within. This conversation is not just about understanding ourselves better - it's about finding a path to true contentment and inner peace. I hope you enjoy listening. Support the podcast and enjoy Ad-Free episodes. Try FREE for 7 days on Apple Podcasts https://apple.co/feelbetterlivemore. For other podcast platforms go to https://fblm.supercast.com.   Thanks to our sponsors: https://airbnb.co.uk/host https://drinkag1.com/livemore https://calm.com/livemore https://www.eightsleep.com/livemore   Show notes https://drchatterjee.com/489   DISCLAIMER: The content in the podcast and on this webpage is not intended to be a substitute for professional medical advice, diagnosis, or treatment. Always seek the advice of your doctor or qualified healthcare provider. Never disregard professional medical advice or delay in seeking it because of something you have heard on the podcast or on my website. 

You can attack financial independence from one of two angles. You can create a strict timeline for achieving FIRE, or you can calculate your FIRE number and take your time with it. Which approach works best, and should you ever move the goalposts? Stay tuned to find out! Welcome back to the BiggerPockets Money podcast! Today, Scott and Mindy are reflecting on their journeys to financial freedom—how they started, set realistic objectives, and allowed those objectives to evolve. They'll also share about the major “events” that propelled them toward their goals, the big lifestyle changes they have made since reaching financial independence, and the ONE thing they wish they had done differently! Whether you're starting from zero or already on your way to FIRE, there are some personal finance fundamentals you've got to master: lowering your expenses and increasing your income. This combination will allow you to save more money, multiply your investments, and accelerate your FI timeline. But that's not all. You'll also hear about the job “trap” that keeps so many people from reaching FIRE, and why time (NOT money) is the resource we're all actually chasing!  In This Episode We Cover The crucial figure you need to pin down before setting your FI timeline Why time, not money, is the resource every FIRE-focused person really wants When to move the goalposts on your quest for financial independence The job “trap” that holds you back from FI (and how to get out of it!) The two-pronged strategy that will accelerate your path to early retirement Spending less and earning more (so that you have more money to invest) Scott and Mindy's number one “regret” from their aggressive pursuit of FI And So Much More! Links from the Show Mindy on BiggerPockets Scott on BiggerPockets Listen to All Your Favorite BiggerPockets Podcasts in One Place Join BiggerPockets for FREE Email Mindy: Mindy@biggerpockets.com Email Scott: Scott@biggerpockets.com BiggerPockets Money Facebook Group Buy Scott's Book “Set for Life” Find an Investor-Friendly Agent in Your Area BiggerPockets Money – Episode 563: Why Aren't More “Normal” People Achieving FIRE? (00:00) Intro (00:49) The FI Timeline (06:59) Lifestyle Changes After FI (10:25) Getting Your Spending in Check (17:14) Low Expenses + High Income (24:40) Escaping the Job “Trap” (31:04) Creating Milestones (37:50) Share Your Journey with Us! Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-576 Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Just a short while back, Marisa Mae was caught in the paycheck-to-paycheck trap, her credit cards stretched to their limits with no emergency savings to speak of, all while wrestling with constant financial stress. Today, she's on a clear path to retire as a millionaire. Her secret? Mastering the art of debt repayment without succumbing to severe frugality. Marisa managed to eliminate five-figure consumer debt, not by cutting out her cherished coffee runs, but by smart financial planning. Isn't that supposed to be a big FIRE faux pas? Marisa's turning point came at rock bottom—stranded without a place to stay or a dollar to her name. But instead of going back to restrictive budgeting and punishing herself for her overspending, she built a financial plan that worked specifically for her.  Now, Marisa is ready to show others that achieving financial freedom, eradicating debt, and even starting to invest can all happen WITHOUT cutting everything enjoyable out of your life. If you're battling to escape bad debt, Marisa's approach could liberate you faster than you think—even if you struggle to find financial balance.  In This Episode We Cover How Marisa went from a financial “mess” to being on track to become a millionaire in retirement  The spending hack that allows you to treat yourself WITHOUT going over budget  Why you CAN invest while paying off debt (and the right way to do it) Why taking on good debt to grow your business/side hustle isn't a bad thing  The “slow” path to becoming debt-free that is MUCH more successful than the beans and rice diet  And So Much More! Links from the Show Mindy on BiggerPockets Scott on BiggerPockets Listen to All Your Favorite BiggerPockets Podcasts in One Place Join BiggerPockets for FREE Email Mindy: Mindy@biggerpockets.com Email Scott: Scott@biggerpockets.com BiggerPockets Money Facebook Group Financial Badassery Support Today's Show Sponsor, Connect Invest, the Alternative Way to Earn Passive Income Through Real Estate Get Your Personal Finances in Check with “Set for Life” Find an Investor-Friendly Agent in Your Area How to Pay Off Credit Card Debt FAST ($30K+ in 1 Year!) (00:00) Intro (01:05) Paycheck-to-Paycheck and Worth $0 (04:29) Enough is Enough (07:20) Paying Off Debt While Still Spending (10:21) Investing While in Debt!? (14:41) Finally Debt-Free? (16:58) Managing Her Money (21:38) Best Tip for FIRE (24:08) Connect with Marisa! Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-572 Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Why do many wealthy people wait so long to retire? Despite earning a physician's salary, living frugally, and saving what most would call “more than enough” money, today's guest worked for another four years before pulling the trigger on early retirement. Is he on to something? Does the four-percent rule no longer work in 2024? Stay tuned to find out! Welcome back to the BiggerPockets Money podcast! Leif Dahleen, MD, the “Physician on FIRE,” was already financially independent when he discovered the FIRE movement. But rather than calling time on a successful healthcare career, he continued to beef up his nest egg. Why? Leif had determined that he needed forty-to-fifty times his annual expenses to feel comfortable walking away from his nine-to-five. Do more FI-focused folks need to follow Leif's formula to account for the unknown? We've all dreamed of what a day in the life of an early retiree might look like. Leif had his own expectations, but in this episode, he shares what he discovered when his schedule was suddenly clear. You'll also learn about the mindset high-income earners need to avoid squandering wealth, and why putting down roots in a low-cost-of-living area could be the difference between fast-tracking retirement and keeping up with the Joneses! In This Episode We Cover Why most people DON'T retire on the four-percent rule (even though it works!) Fast-tracking the path to early retirement in a low-cost-of-living area How to actually leave your W2 job once you have enough money to retire Why earning a high income doesn't guarantee FIRE (and common pitfalls to avoid!) Choosing the right retirement withdrawal strategy for your financial situation Why Leif won't adjust his retirement lifestyle as he continues to build wealth And So Much More! Links from the Show Mindy on BiggerPockets Scott on BiggerPockets Listen to All Your Favorite BiggerPockets Podcasts in One Place Join BiggerPockets for FREE Email Mindy: Mindy@biggerpockets.com Email Scott: Scott@biggerpockets.com BiggerPockets Money Facebook Group Physician on FIRE Buy Scott's Book “Set for Life” Find an Investor-Friendly Agent in Your Area See Mindy and Scott at BPCON2024 in Cancun! How Much Money Do I Need to Retire? (00:00) Intro (01:58) Leif's “Unfair” Advantage (06:33) Leaving the Medical Profession (12:42) Funding His Retirement (15:09) Does the 4% Rule Work? (23:37) Adjusting Your Retirement Lifestyle (29:23) Retirement Expectations vs. Reality Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-569 Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Are brilliant women doomed to be unhappy? Elizabeth Gilbert reveals the hidden traps keeping creative women stuck, and why people pleasing might kill you.  WHAT'S COVERED IN THIS EPISODE: 00:00 - Feeling lost? Do this now  04:40 - Why Marie and Liz decided not to have kids 09:15 - The shocking way people pleasing (literally) kills you  13:50 - THIS sneaky mindset habit steals 7 years of your life 17:00 - The 5-minute routine to heal trauma 24:30 - The #1 tool you need to make confident decisions 27:17 - How to love your work & prevent burnout  32:00 - The "garbage hours" trick for taking back your time  45:45 - Why Liz shaved her head  55:04 - The mindset trick that sold 30 million books  01:08:00 - The "greedy" secret to building the life of your dreams  01:12:50 - Liz's secret desire she's never revealed before Thanks for listening! New episodes drop every Tuesday. Make sure you hit the follow button to get notified.

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Young, old, or in between, you need to hear this episode! Today's guest paid off over $80,000 of debt, grew her net worth to $100,000 and did it all just years after graduating from college without a sky-high income. How did she make such quick progress, and what's her secret to skyrocketing her net worth early in her career? She's sharing it all in this episode, and you (no matter your age) can follow her repeatable path, too! Want to see your net worth leap so you can fast-track your road to FIRE? Anna Foley is the person you should listen to. Through common-sense smart spending, diligent investing, and salary-increasing career pivots, Anna and her partner went from $80,000 debt to debt-free and finally hit six-figure net worth status. The best part? They did all of it WITHOUT giving up what makes life enjoyable, and they still sport a phenomenal savings rate! Anna is sharing how she saves a significant portion of her income every month, why she decided to rent (not buy) a house, how “paying yourself first” can get you debt-free before you know it, and why she does NOT follow the traditional advice of chasing a “FIRE number.” In your twenties? Copy Anna's plan! Closer to retirement? Follow Anna's smart saving and investing tactics, and you can get there faster!  In This Episode We Cover How to become debt-free and achieve a six-figure net worth before you're thirty!  Why Anna decided to rent a house, not buy one, to maximize her savings  What Anna invests 100% of her income in (it's not real estate!) The “middle-class trap” to avoid when maxing out your retirement accounts  Why you DON'T need a FIRE number, and why Anna's more achievable goals work better  Boosting your income and why job-hopping can explode your income-generating potential  And So Much More! Links from the Show Mindy on BiggerPockets Scott on BiggerPockets Listen to All Your Favorite BiggerPockets Podcasts in One Place Join BiggerPockets for FREE @five20money on Instagram PassivePockets BiggerPockets Forums BiggerPockets Money 97 - Intentionally Choosing the Path to Financial Independence with Financial Mechanic BiggerPockets Money 110 - Systematically Increasing Income and Intentionally Decreasing Spending with A Purple Life BiggerPockets Money 558 - How to Start Investing for Retirement: 401(k), IRA, Roth? BiggerPockets Money 560 - Dude ACTUALLY Withdraws From His 401(k) and Retires at 47 Email Your Savings Rate to mindy@biggerpockets.com!  Support Today's Show Sponsor, BAM Capital, Your Path to Generational Wealth with Premier Real Estate Investment Opportunities Reach FIRE Faster with “Set for Life” Find an Investor-Friendly Agent in Your Area See Mindy and Scott at BPCON2024 in Cancun! Finance Friday: How the “Middle-Class Trap” Stops Your Early Retirement Connect with Anna (00:00) Intro (01:10) Investing Right After College (03:00) Rent, Don't Buy! (08:58) Paying Off $80K in Debt (12:42) Investing for Financial Independence (16:16) Saving a TON! (21:11) Better Than a “FI Number” (25:27) Boosting Your Income (27:19) Do This FIRST! (29:11) Connect with Anna! Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-567 Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Does FIRE seem impossible while raising a family? We're about to prove that you CAN have it all. Emily and Joel are financially independent while raising five kids and still have the money to travel the world, take plenty of vacations, and sleep in without worrying about a job. They reached FI in just over a decade and did it without EVER having a high income. How'd they do it? One “financial superpower” allowed them to do what most people won't. Emily and Joel started with $150,000 in student loan debt. Their accounts dwindled at the end of every month, so they began to pay off their loans with the “debt snowball” method. Fast forward a few years, and they were debt-free, but now they had a new challenge: building their net worth! Today, they're sharing the incredible journey they took to go from personal finance zeros to heroes, the “why” behind achieving FI at such young ages, and how they did it all (including keeping expenses SUPER low) while raising not one, not two, but FIVE children. Think FI isn't possible for you? Think again—copy Emily and Joel's plan! In This Episode We Cover How to pay off debt FAST with the “debt snowball” method  Minimizing your expenses and how spending less gets you to FIRE way faster Why you DON'T need to cut out travel/vacations on your path to financial freedom The “financial superpower” you must cultivate if you want to retire early  What 100% of Emily and Joel's portfolio is in and the simple path to building wealth Starting side hustles that pay for your life and why working while FI is NOT a bad thing  And So Much More! Links from the Show Mindy on BiggerPockets Scott on BiggerPockets Kyle on BiggerPockets Listen to All Your Favorite BiggerPockets Podcasts in One Place Join BiggerPockets for FREE 50+ Rentals After Starting in Her 50s and How “Late Starters” Can Get Ahead From 150k in Debt to FIRE in Their Mid-30s (With 5 Kids!) ISI Team Camps Reach FIRE Faster with “Set for Life” Find an Investor-Friendly Agent in Your Area See Mindy at BPCON2024 in Cancun! The Simple Path to Wealth—Index Funds Explained with JL Collins (00:00) Intro (01:07) Six-Figure Debt and Dave Ramsey (05:58) "Snowballing” $150K in Debt (08:27) $1,000,000 FI Number (14:06) Financial Superpowers (15:27) The “Why” Behind FI (18:37) Serious Side Hustles (29:29) Did They Retire? (34:11) Connect with Emily and Joel Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-566 Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Do You Struggle with Your “Prayer Life”? Find a Quiet Place for Your Personal Relationship with God and Pray to the Universe's Creator MESSAGE SUMMARY: Do you struggle with your “Prayer Life”, even though you know it is the most important component of a life lived as a Jesus Follower? Abraham provides you with a model for a “Prayer Life” that works. Abraham was an awesome man, and he had things happen in his life that were both important for him and humankind down through the ages as a resultant of his “Prayer Life”. For the development of your own “Prayer Life”, you can learn from Abraham's “Prayer Life”. One of the first things Abraham did, when he went to a new location or was in a new situation, was to build an altar to the Lord and call on the Lord's name in prayer. In Genesis 12:8, Abraham's focus on and the priority given to his “Prayer Life” is described: “From there he {Abraham}moved to the hill country on the east of Bethel and pitched his tent, with Bethel on the west and Ai on the east. And there he built an altar to the LORD and called upon the name of the LORD.". Prayer was a priority for Abraham to build a place for God in his life and for his personal relationship with God. A way you can follow Abraham's example is to find an altar, a church, or a quiet place in your life to worship and pray, and to call upon the Lord's name like Abraham.   TODAY'S PRAYER: Lord, Sabbath rest is truly an unbelievable gift! Thank you that there is nothing I can do to earn your love; it comes without any strings attached. As I close my eyes for these few minutes before you, all I can say is, thank you! In Jesus' name, amen.  Scazzero, Peter. Emotionally Healthy Spirituality Day by Day (p. 133). Zondervan. Kindle Edition. TODAY'S AFFIRMATION: Today, I affirm that because of what God has done for me in His Son, Jesus, I AM FILLED WITH THE HOLY SPIRIT. If you then, though you are evil, know how to give good gifts to your children, how much more will your Father in heaven give the Holy Spirit to those who ask him! Luke 11:13 SCRIPTURE REFERENCE (ESV): Genesis 12:7-8; Genesis 13:3-18; Genesis 22:9-14; Psalms 79:1-13. A WORD FROM THE LORD WEBSITE: www.AWFTL.org. THIS SUNDAY'S AUDIO SERMON: You can listen to Archbishop Beach's Current Sunday Sermon: “Remembering “he who is forgiven little, loves little”, Is You Focus Outward in the Love and Service of Others?” at our Website: https://awordfromthelord.org/listen/    DONATE TO AWFTL: https://mygiving.secure.force.com/GXDonateNow?id=a0Ui000000DglsqEAB

Are you unknowingly sabotaging your own happiness when it comes to dating and love?In this moment, #1 Love Coach and bestselling author Matthew Hussey uncovers the surprising ways our instincts can lead us astray in love.Press play to discover: the flawed mindset that often misguides our instincts, the common misconceptions of having “high standards” in dating, and why shifting your focus to how you truly feel — rather than what your ego dictates — can transform your love life.Listen to the full episode: Apple - https://podcasts.apple.com/us/podcast/573-1-love-coach-this-is-the-secret-to-a/id1196106699?i=1000653349421 Spotify - https://open.spotify.com/episode/7GOTjCfvGIGIE3QJDQy6FM?si=38e9481673f24b23 Hey, do you follow the show? It's the simplest, easiest way to show your support and for us to keep getting more epic humans on the show for you. If you feel called, please hit the follow button and leave a review. I would be so grateful.Get full show notes and links to all resources here: www.melissaambrosini.com/573 Want mentoring from Melissa? Join SheLaunch: www.shelaunch.com Hosted on Acast. See acast.com/privacy for more information.

Fluent Fiction - French: Heroic Acts in Suburbia: A Mother's Quick Thinking Saves a Life Find the full episode transcript, vocabulary words, and more:fluentfiction.org/heroic-acts-in-suburbia-a-mothers-quick-thinking-saves-a-life Story Transcript:Fr: Sous le soleil d'été, les pelouses bien taillées et les chemins pour vélos dessinaient un décor paisible dans le quartier de la banlieue où vivaient Élodie, Lucien et Maëlle.En: Under the summer sun, the well-manicured lawns and bike paths painted a peaceful scene in the suburban neighborhood where Élodie, Lucien, and Maëlle lived.Fr: Les cafés confortables invitaient les passants à s'arrêter pour un moment de douceur.En: Cozy cafes beckoned passersby to stop for a moment of sweetness.Fr: Les rires des enfants résonnaient dans l'air.En: Children's laughter resonated in the air.Fr: Élodie, une jeune mère dans la fin de la vingtaine, marchait rapidement avec Maëlle, sa fille curieuse de huit ans.En: Élodie, a young mother in her late twenties, walked quickly with Maëlle, her curious eight-year-old daughter.Fr: Elles rentraient des courses, des sacs pleins de provisions dans les mains.En: They were returning from shopping, their hands full with bags of groceries.Fr: Lucien, leur voisin bienveillant et semi-retraité, était occupé à jardiner devant sa maison.En: Lucien, their kind-hearted and semi-retired neighbor, was busy gardening in front of his house.Fr: Il leur fit un signe amical.En: He gave them a friendly wave.Fr: "Bonjour, Lucien!"En: "Hello, Lucien!"Fr: s'exclama Élodie.En: Élodie exclaimed.Fr: "Ça va bien?".En: "How are you?"Fr: Lucien s'essuya les mains sur son tablier de jardinage, son visage illuminé par un sourire chaleureux.En: Lucien wiped his hands on his gardening apron, his face lit up with a warm smile.Fr: "Ça va très bien, Élodie.En: "I'm doing very well, Élodie.Fr: Et toi?".En: And you?"Fr: Maëlle s'échappa des bras de sa maman pour enfourcher son vélo.En: Maëlle broke free from her mother's arms to hop on her bike.Fr: "Je vais faire le tour du quartier, maman!".En: "I'm going to ride around the neighborhood, Mom!"Fr: Élodie hocha la tête, gardant toutefois un œil vigilant sur sa fille.En: Élodie nodded but kept a watchful eye on her daughter.Fr: "D'accord, mais reste proche.En: "Alright, but stay close.Fr: Je te surveille."En: I'm watching you."Fr: Soudain, en plein milieu de leur conversation, Lucien porta la main à sa poitrine, ses yeux écarquillés de douleur.En: Suddenly, in the middle of their conversation, Lucien clutched his chest, his eyes wide with pain.Fr: Il s'effondra sur l'herbe, incapable de dire un mot.En: He collapsed on the grass, unable to say a word.Fr: Élodie poussa un cri de surprise.En: Élodie let out a cry of surprise.Fr: "Maëlle, vite!"En: "Maëlle, quickly!"Fr: cria-t-elle.En: she shouted.Fr: "Va chercher de l'aide!".En: "Go get help!"Fr: La petite fille, effrayée mais déterminée, pédala de toutes ses forces vers la maison la plus proche.En: The little girl, frightened but determined, pedaled with all her might toward the nearest house.Fr: Élodie se pencha au-dessus de Lucien, son cœur battant à tout rompre.En: Élodie bent over Lucien, her heart pounding wildly.Fr: Elle devait garder son sang-froid.En: She had to keep her cool.Fr: Elle savait quelques gestes de premier secours, mais n'avait jamais pensé devoir les utiliser.En: She knew some first aid but had never thought she would need to use it.Fr: Elle sortit son téléphone et appela le numéro d'urgence.En: She took out her phone and dialed the emergency number.Fr: La voix calme de l'opérateur la guida.En: The calm voice of the operator guided her.Fr: "Placez votre main sur le centre de sa poitrine et commencez les compressions."En: "Place your hand on the center of his chest and start compressions."Fr: Élodie suivit les instructions, ses mouvements rapides et précis.En: Élodie followed the instructions, her movements quick and precise.Fr: Elle tentait de rester concentrée malgré la panique qui l'envahissait.En: She tried to remain focused despite the panic overtaking her.Fr: Les minutes semblaient des heures.En: The minutes felt like hours.Fr: Puis, au loin, une sirène retentit.En: Then, in the distance, a siren wailed.Fr: Maëlle était revenue avec un voisin qui savait ce faire.En: Maëlle had returned with a neighbor who knew what to do.Fr: Les paramédics arrivèrent juste à temps.En: The paramedics arrived just in time.Fr: Ils prirent le relais, leur expertise apportant un soulagement immédiat.En: They took over, their expertise bringing immediate relief.Fr: Élodie recula, les larmes aux yeux, tandis qu'ils s'occupaient de Lucien.En: Élodie stepped back, tears in her eyes, while they attended to Lucien.Fr: Quelques jours plus tard, Lucien était de retour chez lui, en convalescence.En: A few days later, Lucien was back home, recovering.Fr: Élodie lui rendit visite avec Maëlle.En: Élodie visited him with Maëlle.Fr: Lucien les accueilli avec un sourire faible mais reconnaissant.En: Lucien welcomed them with a weak but grateful smile.Fr: "Merci, Élodie.En: "Thank you, Élodie.Fr: Sans toi, je ne serais peut-être pas là."En: Without you, I might not be here."Fr: Élodie serra Maëlle contre elle, les yeux brillants de fierté.En: Élodie hugged Maëlle tightly, her eyes shining with pride.Fr: Elle comprenait maintenant que le contrôle parfait n'était pas toujours nécessaire.En: She now understood that perfect control wasn't always necessary.Fr: Parfois, il fallait faire confiance aux autres, et à soi-même, pour les choses les plus importantes.En: Sometimes, you had to trust others, and yourself, for the most important things. Vocabulary Words:the neighborhood: le quartierthe lawns: les pelousesthe bike paths: les chemins pour vélosthe passersby: les passantsthe groceries: les provisionsthe neighbor: le voisinsemi-retired: semi-retraitéthe gardening apron: le tablier de jardinagethe daughter: la filleto hop on: enfourcherthe chest: la poitrineto clutch: porter la main àwith pain: de douleurto collapse: s'effondrerthe surprise: la surpriseto shout: crierto pedal: pédalerfrightened: effrayéedetermined: déterminéethe nearest house: la maison la plus procheto bend over: se pencherthe first aid: les gestes de premier secoursthe emergency number: le numéro d'urgenceto guide: guiderthe compressions: les compressionsthe movements: les mouvementsto remain focused: rester concentréethe panic: la paniqueto take over: prendre le relaisthe relief: le soulagement

Fluent Fiction - Catalan: Finding Inspiration: How a Hidden Vista Changed an Artist's Life Find the full episode transcript, vocabulary words, and more:fluentfiction.org/finding-inspiration-how-a-hidden-vista-changed-an-artists-life Story Transcript:Ca: El sol brillava sobre les muntanyes de Montserrat.En: The sun shone over the mountains of Montserrat.Ca: La Laia passejava pel mercat, mirant les parades de màgia artesanal.En: Laia strolled through the market, looking at the artisan magic stalls.Ca: Els colors i les textures l'envolaven, però també la confonien.En: The colors and textures surrounded her but also confused her.Ca: "Hola," va dir en Jordi, un home amb un somriure càlid.En: “Hello,” said Jordi, a man with a warm smile.Ca: "Busques alguna cosa en particular?"En: “Are you looking for something in particular?”Ca: La Laia va sospirar.En: Laia sighed.Ca: "Sóc artista, però estic perduda.En: “I'm an artist, but I'm lost.Ca: Necessito alguna cosa que m'inspiri."En: I need something to inspire me.”Ca: En Jordi va aixecar una cella.En: Jordi raised an eyebrow.Ca: "Aquí hi ha moltes coses boniques, però estic segur que podem trobar alguna cosa especial per a tu."En: “There are many beautiful things here, but I'm sure we can find something special for you.”Ca: La Laia va seguir en Jordi mentre caminava pel mercat.En: Laia followed Jordi as he walked through the market.Ca: Cada parada tenia joies úniques, però els preus eren alts i les opcions, aclaparadores.En: Each stall had unique jewelry, but the prices were high, and the options overwhelming.Ca: Ell va parar davant una petita escultura de fusta.En: He stopped in front of a small wooden sculpture.Ca: "Això és interessant, però crec que necessites veure alguna cosa més."En: “This is interesting, but I think you need to see something more.”Ca: "Què vols dir?" va preguntar la Laia, una mica desconfiada.En: “What do you mean?” Laia asked, somewhat suspicious.Ca: En Jordi va somriure de nou.En: Jordi smiled again.Ca: "Segueix-me."En: “Follow me.”Ca: Van caminar per un sender estret fins a un lloc amagat entre les roques.En: They walked along a narrow path to a hidden place among the rocks.Ca: Des d'allà, es podia veure tota la vall.En: From there, you could see the entire valley.Ca: El cel era blau, i el sol es reflexava a les roques de Montserrat.En: The sky was blue, and the sun reflected off the rocks of Montserrat.Ca: La Laia va sentir com si el món es detingués.En: Laia felt as if the world had stopped.Ca: L'aire fresc i la vista la van colpir profundament.En: The fresh air and the view struck her deeply.Ca: "Això... això és el que necessitava."En: “This... this is what I needed.”Ca: Jordi va somriure.En: Jordi smiled.Ca: "A vegades, la inspiració no es compra al mercat."En: “Sometimes, inspiration isn't bought at the market.”Ca: La Laia va seure a una roca i va començar a dibuixar.En: Laia sat on a rock and began to draw.Ca: Les formes de les muntanyes i la llum la van guiar.En: The shapes of the mountains and the light guided her.Ca: Després d'una estona, van tornar al mercat.En: After a while, they returned to the market.Ca: "Gràcies, Jordi," va dir la Laia.En: “Thank you, Jordi,” Laia said.Ca: "Aquesta experiència m'ha obert els ulls."En: “This experience has opened my eyes.”Ca: "De res," va respondre ell.En: “You're welcome,” he replied.Ca: "És important trobar inspiració, no només comprar-la."En: “It's important to find inspiration, not just buy it.”Ca: La Laia va comprar una petita figureta de fusta que li recordava la vista des de la muntanya.En: Laia bought a small wooden figurine that reminded her of the view from the mountain.Ca: Va deixar el mercat amb un somriure i un nou sentit de direcció.En: She left the market with a smile and a new sense of direction.Ca: Jordi va observar-la allunyar-se, satisfet d'haver ajudat algú.En: Jordi watched her walk away, satisfied that he had helped someone.Ca: Les estrelles es començaven a veure a l'horitzó, i en Jordi sabia que havia fet més que una venda.En: The stars began to appear on the horizon, and Jordi knew he had done more than make a sale.Ca: Havia ajudat una ànima a trobar la seva llum.En: He had helped a soul find its light.Ca: I això, pensava, és el veritable valor de tot el que feia.En: And that, he thought, is the true value of everything he did. Vocabulary Words:the sun: el solthe mountains: les muntanyesthe market: el mercatthe artisan magic stalls: les parades de màgia artesanalthe colors: els colorsthe textures: les texturesthe artist: l'artistathe smile: el somriurebeautiful things: coses boniquesthe small wooden sculpture: la petita escultura de fustathe narrow path: el sender estretthe rocks: les roquesthe valley: la vallthe sky: el celthe fresh air: l'aire frescthe view: la vistathe shapes of the mountains: les formes de les muntanyesthe light: la llumthe market: el mercatthe experience: l'experiènciathe eyes: els ullsthe small wooden figurine: la petita figureta de fustathe smile: el somriurethe stars: les estrellesthe horizon: l'horitzóthe soul: l'ànimathe light: la llumthe true value: el veritable valorthe man: l'homethe woman: la dona

Fluent Fiction - Italian: Genius Gambler: A Student's Quest for Balance in Life Find the full episode transcript, vocabulary words, and more:fluentfiction.org/genius-gambler-a-students-quest-for-balance-in-life Story Transcript:It: In un giorno caldo e appiccicoso di luglio, Luca sedeva nella biblioteca dell'università.En: On a hot and sticky July day, Luca was sitting in the university library.It: Attorno a lui, il mormorio nervoso degli studenti che preparavano gli esami finali.En: Around him, the nervous murmuring of students preparing for their final exams.It: Luca era un genio nel calcolare le probabilità, ma aveva sempre avuto difficoltà a impegnarsi a fondo nei suoi studi.En: Luca was a genius at calculating probabilities, but he had always struggled to fully commit to his studies.It: Serena, la sua amica ambiziosa che puntava sempre al massimo, lo guardava con preoccupazione.En: Serena, his ambitious friend who always aimed for the top, looked at him with concern.It: "Luca, devi concentrarti sugli esami," insisteva.En: "Luca, you need to focus on the exams," she insisted.It: "Non puoi permetterti di fallire."En: "You can't afford to fail."It: Luca sospirò.En: Luca sighed.It: Sapeva che Serena aveva ragione, ma aveva anche un'altra pressione.En: He knew Serena was right, but he also had another pressure.It: Doveva vincere una partita di poker ad alto rischio quella sera.En: He needed to win a high-stakes poker game that night.It: Aveva bisogno dei soldi per pagare il debito delle tasse universitarie.En: He needed the money to pay off his university tuition debt.It: "Devo vincere quella partita, Serena.En: "I have to win that game, Serena.It: Non ho altra scelta," disse Luca, scrutando i libri davanti a sé.En: I have no other choice," Luca said, staring at the books in front of him.It: Serena scosse la testa, decisa.En: Serena shook her head, determined.It: "Metti prima gli esami.En: "Put the exams first.It: Puoi sempre trovare un altro modo per fare soldi."En: You can always find another way to make money."It: Durante il giorno, Luca cercava di studiare.En: Throughout the day, Luca tried to study.It: Ogni volta che apriva un libro, però, la sua mente tornava ai calcoli complessi del poker.En: Every time he opened a book, though, his mind drifted back to the complex calculations of poker.It: Alle otto di sera, con la luce del tramonto che filtrava attraverso le finestre, si arrese.En: By eight o'clock in the evening, with the twilight filtering through the windows, he gave up.It: Chiuse i libri e andò verso la partita di poker.En: He closed his books and headed to the poker game.It: Il luogo della partita era una stanza buia e fumosa, piena di facce intense e occhi affilati.En: The location of the game was a dark and smoky room, filled with intense faces and sharp eyes.It: Luca si sedette al tavolo, sentendo la tensione crescere.En: Luca sat at the table, feeling the tension rise.It: Le carte cominciarono a girare.En: The cards started to turn.It: Ogni giro aumentava la posta in gioco.En: Each round raised the stakes.It: All'ultimo giro, Luca sapeva che doveva rischiare tutto.En: In the final round, Luca knew he had to risk everything.It: "All in," disse con voce ferma, posando tutte le sue fiches sul tavolo.En: "All in," he said firmly, putting all his chips on the table.It: Gli altri giocatori lo guardarono con sospetto.En: The other players looked at him with suspicion.It: Il cuore di Luca batteva all'impazzata.En: Luca's heart was pounding wildly.It: "Speriamo bene," pensava.En: "Let's hope for the best," he thought.It: Fu un momento eterno, mentre le carte venivano svelate.En: It was an eternal moment as the cards were revealed.It: Luca vinse.En: Luca won.It: Un'esplosione di sollievo riempì la stanza.En: An explosion of relief filled the room.It: Aveva i soldi per pagare il suo debito.En: He had the money to pay his debt.It: Rientrò tardi in biblioteca per finire di studiare.En: He returned to the library late to finish studying.It: Serena lo trovò con il viso affondato nei libri.En: Serena found him with his face buried in the books.It: "Hai vinto?"En: "Did you win?"It: chiese incredula.En: she asked incredulously.It: Luca annuì, ma aggiunse: "Ma ho capito una cosa.En: Luca nodded but added, "But I realized something.It: Ho rischiato troppo.En: I risked too much.It: Ora devo bilanciare i miei rischi e responsabilità."En: Now I have to balance my risks and responsibilities."It: Luca studiò ancora fino all'alba.En: Luca studied until dawn.It: Quando arrivò il giorno degli esami, il suo impegno pagò.En: When the exam day arrived, his commitment paid off.It: Superò tutti gli esami con voti buoni.En: He passed all his exams with good grades.It: Si sentiva finalmente equilibrato, pronto ad affrontare il futuro in modo più maturo.En: He finally felt balanced, ready to face the future more maturely.It: Da quel giorno, Luca imparò a prendere decisioni ponderate, trovando un equilibrio tra la sua passione per il rischio e l'importanza delle sue responsabilità.En: From that day on, Luca learned to make thoughtful decisions, finding a balance between his passion for risk and the importance of his responsibilities.It: Serena lo osservava con soddisfazione, sapendo che il suo amico aveva finalmente trovato il suo equilibrio.En: Serena watched him with satisfaction, knowing that her friend had finally found his balance. Vocabulary Words:the twilight: il crepuscolothe poker game: la partita di pokerthe anxiety: l'ansiathe stakes: la posta in giocothe debt: il debitothe genius: il genioto calculate: calcolareto insist: insistereto afford: permettersito drift: deviareto commit: impegnarsithe ambition: l'ambizionethe concern: la preoccupazionethe tension: la tensionethe calculations: i calcolithe pressure: la pressionethe choice: la sceltathe determination: la determinazioneto reveal: svelareto balance: bilanciarethe responsibility: la responsabilitàthe room: la stanzathe relief: il sollievomaturely: in modo maturothe intensity: l'intensitàthe satisfaction: la soddisfazionethe horizon: l'orizzontethe tuition: le tasse universitarieincredulous: increduloto risk: rischiare

Fluent Fiction - Norwegian: Finding Redemption: How Art and Care Transformed a Life Find the full episode transcript, vocabulary words, and more:fluentfiction.org/finding-redemption-how-art-and-care-transformed-a-life Story Transcript:Nb: Solens stråler kaster lange skygger inn i det lyse rommet i den psykiatriske avdelingen.En: The rays of the sun cast long shadows into the bright room of the psychiatric ward.Nb: Plantene ved vinduene trives godt i sommervarmen.En: The plants by the windows thrive in the summer warmth.Nb: Pasientene i dagligstuen sitter stille, noen leser bøker, andre ser ut i luften.En: The patients in the lounge sit quietly; some read books, others stare into space.Nb: I et hjørne sitter Olav, en mann med alvorlige øyne som stirrer på gulvet.En: In a corner sits Olav, a man with serious eyes, staring at the floor.Nb: Han har vært på denne avdelingen i flere år.En: He has been in this ward for several years.Nb: Ingrid, den nye sykepleieren, går rolig inn i rommet.En: Ingrid, the new nurse, walks calmly into the room.Nb: Hun er nervøs, men skjuler det godt.En: She is nervous but hides it well.Nb: Dette er hennes første dag, og hun er fast bestemt på å gjøre en forskjell.En: This is her first day, and she is determined to make a difference.Nb: Hun har allerede blitt fortalt om Olav.En: She has already been briefed about Olav.Nb: Han er skeptisk til nykommere, lukker seg inne.En: He is skeptical of newcomers, shuts himself off.Nb: Men Ingrid gir seg ikke så lett.En: But Ingrid is not easily deterred.Nb: Hun går bort til Olav og setter seg ved siden av ham.En: She walks over to Olav and sits down next to him.Nb: "Hei, Olav," sier hun med en varm stemme.En: "Hi, Olav," she says warmly.Nb: "Jeg heter Ingrid.En: "My name is Ingrid.Nb: Hvordan går det med deg i dag?"En: How are you today?"Nb: Olav løfter hodet litt, ser på henne med et blikk av mistro.En: Olav lifts his head a bit and looks at her with a mistrustful gaze.Nb: "Det samme som alltid," svarer han kort.En: "The same as always," he responds briefly.Nb: Ingrid bestemmer seg for å prøve noe nytt.En: Ingrid decides to try something new.Nb: Hun har lest igjennom journalen hans.En: She has read through his file.Nb: Olav pleide å male før tilstanden hans ble verre.En: Olav used to paint before his condition worsened.Nb: "Jeg har hørt at du var veldig flink til å male," sier hun forsiktig.En: "I've heard you were very good at painting," she says carefully.Nb: Olavs ansikt endrer seg litt.En: Olav's face changes slightly.Nb: "Det var lenge siden," mumler han.En: "That was a long time ago," he mutters.Nb: "Har du lyst til å prøve igjen?En: "Would you like to try again?Nb: Jeg kan finne noen maleutstyr til deg," fortsetter Ingrid.En: I can find some painting supplies for you," Ingrid continues.Nb: Hun lar forslaget henge i luften.En: She lets the suggestion hang in the air.Nb: Olav sier ingenting, men hun ser en liten gnist i øynene hans før han igjen ser ned på gulvet.En: Olav says nothing, but she sees a small spark in his eyes before he looks down at the floor again.Nb: Over de neste ukene fortsetter Ingrid å snakke med Olav om malingen.En: Over the next few weeks, Ingrid keeps talking to Olav about painting.Nb: Hun presser ikke, men tilbyr det som en mulighet.En: She doesn't push, but offers it as an option.Nb: Hun viser ham at hun bryr seg, en liten bit av gangen.En: She shows him that she cares, a little bit at a time.Nb: Hun engasjerer ham i små aktiviteter og tar seg tid til å lytte når han endelig begynner å åpne seg litt.En: She engages him in small activities and takes the time to listen when he finally begins to open up a little.Nb: En dag, når solen er på sitt høyeste, går Ingrid til Olavs rom med et sett maleutstyr.En: One day, when the sun is at its highest, Ingrid goes to Olav's room with a set of painting supplies.Nb: "Vil du prøve i dag?"En: "Would you like to try today?"Nb: spør hun.En: she asks.Nb: Til hennes overraskelse nikker Olav forsiktig.En: To her surprise, Olav nods cautiously.Nb: De går sammen til en aktivitetstue hvor Olav setter seg ned med pensel og lerret.En: Together, they go to an activity room where Olav sits down with a brush and canvas.Nb: Olav maler sakte, usikker på sine bevegelser.En: Olav paints slowly, unsure of his movements.Nb: Men etterhvert lar han seg rive med.En: But gradually, he lets himself get carried away.Nb: Fargene som sprer seg over lerretet er et tegn på noe som rører seg inne i ham.En: The colors spreading across the canvas are a sign of something stirring inside him.Nb: Ingrid ser på med en følelse av håp.En: Ingrid watches with a feeling of hope.Nb: Det skjer et gjennombrudd i en terapiøkt ledet av Ingrid.En: A breakthrough occurs during a therapy session led by Ingrid.Nb: Olav begynner å snakke om en frykt han har båret lenge.En: Olav starts talking about a fear he has carried for a long time.Nb: Han møter det, en knute i hans sjel som sakte løses opp.En: He faces it, a knot in his soul that slowly unravels.Nb: For første gang på lenge ser han en fremtid for seg selv.En: For the first time in a long while, he sees a future for himself.Nb: Ukene går, og Olav begynner å engasjere seg mer aktivt i sin egen bedring.En: As weeks pass, Olav begins to take a more active role in his own recovery.Nb: Han deltar i flere aktiviteter, snakker mer med de andre pasientene.En: He participates in more activities, talks more with the other patients.Nb: Ingrid ser hvordan han forandrer seg, og det gir henne en styrke og tillit til hennes egne evner.En: Ingrid sees how he changes, and it gives her strength and confidence in her own abilities.Nb: Sommeren går mot slutten, men på avdelingen spirer noe nytt.En: Summer draws to an end, but in the ward, something new is budding.Nb: Olav har begynt å male regelmessig, og viser frem sine verk med stolthet.En: Olav has started painting regularly and shows his work with pride.Nb: Ingrid har funnet sin plass, tryggere i sin rolle som sykepleier.En: Ingrid has found her place, more secure in her role as a nurse.Nb: Mellom dem har det vokst frem en profesjonell relasjon som er bygget på tillit og respekt.En: Between them, a professional relationship has grown based on trust and respect.Nb: Det sterke sommersollyset er borte, men inne på avdelingen skinner nå noe annet.En: The strong summer sunlight is gone, but inside the ward, something else now shines.Nb: En følelse av håp og en vei fremover for begge to.En: A feeling of hope and a path forward for both of them. Vocabulary Words:psychiatric ward: psykiatriske avdelingenpatients: pasientenelounge: dagligstuenstare: stirremistrustful: mistroskeptical: skeptiskbriefed: blitt fortaltcaretaker: pleierdeterred: gir segmutters: mumlersuggestion: forslagetthrives: trivesnervous: nervøshides: skjulerdetermined: bestemtengages: engasjereropens up: åpne segbrush: penselcanvas: lerretgradually: etterhvertcarried away: rive medspreading: sprer segtherapy session: terapiøktbreakthrough: gjennombruddknot: knuteunravels: løses oppparticipates: deltarrecovery: bedringactivities: aktiviteterconfidence: tillit

In this episode of The Integrated Life podcast, Diana is joined by Kevin W. McCarthy, entrepreneur, author of multiple books, one of which is The On-Purpose Business Person, Doing More of What You Do Best More Profitably, and creator of the ONPURPOSE.me 2-Word Purpose. I can't describe Kevin better than through his own words, "I'm the steward of a gift called 'being on purpose.' I'm in awe seeing this message profoundly touching lives and influencing organizations. It's a privilege I'm compelled to share." I'm excited to have Kevin share his wisdom with you. Live "On-Purpose" and join our conversation. Contact Kevin W. McCarthy: https://kevinwmccarthy.com Kevin W. McCarthy – The Professor of On-Purpose Kevin W. McCarthy, professional business, leadership and motivational speaker. Kevin is the best selling author of The On-Purpose Person, The On-Purpose Business Person and Chief Leadership Officer. He's the creator of ONPURPOSE.me, an online tool to find one's life purpose in 2 words and in under 3-minutes. kevinwmccarthy.com Find your 2-Word Purpose: https://onpurpose.me ONPURPOSE.me - Find Your Purpose in Life Find your purpose in life today! ONPURPOSE.me features access to a 2 Word Purpose online tool created to help you discover your purpose and meaning in life. onpurpose.me See Kevin's resources and services: https://on-purpose.com On-Purpose – Every Person On-Purpose! Every Person On-Purpose! on-purpose.com Connect with Diana: integratedpurposemanagement.com Like us on Facebook Follow us on LinkedIn   Quick Episode Summary: Introduction of the guest, Kevin McCarthy, author of "The On Purpose Person" and "The On Purpose Business Person." Kevin's background in business, education, and his journey into purpose work. Discussion on the importance of purpose in life and business from a Christian perspective. Kevin's personal experience and his journey to discovering purpose through tough times. Explanation of the OnPurpose.me tool and its purpose statement creation process. Diana's personal journey and how she came to focus on cultivating purpose. The concept of living a life on purpose vs. a life of meaninglessness. Discussion on integration vs. balance in life and work. Kevin's insights on stewardship and how it applies to personal and professional life. The alignment of personal purpose with organizational purpose and its impact on leadership and management. Information on how listeners can find and use Kevin's tools and resources for discovering their purpose.  

In this episode, I'm sharing everything you REALLY need to know about your Human Design. You'll discover: • Strategy: Learn how to put your body into cruise control. • Authority: Understand how to make decisions confidently. • Theme for Life: Find out how to recognize when you're in alignment or not.Plus, I'll reveal other juicy nuggets to help you navigate your Human Design journey!Tip: To get the most out of this episode, have your Human Design chart handy. I highly recommend the app Neutrino Design for this purpose.Tune in and unlock the secrets to living your best life through Human Design!✨ Thank you for listening! Check out the links below to connect with me and learn more about my offerings:

Fluent Fiction - Spanish: Miracle in Madrid: How Quick Actions Saved María's Life Find the full episode transcript, vocabulary words, and more:fluentfiction.org/miracle-in-madrid-how-quick-actions-saved-marias-life Story Transcript:Es: En un soleado día de primavera, en el corazón de Madrid, el bullicio de la Plaza Mayor brillaba con vida.En: On a sunny spring day in the heart of Madrid, the bustle of Plaza Mayor sparkled with life.Es: Allí, entre las masas de turistas y locales, una calamidad estaba por suceder.En: There, among the crowds of tourists and locals, a calamity was about to happen.Es: María, una mujer en sus cincuenta, caminaba con su nieta Ana.En: María, a woman in her fifties, walked with her granddaughter Ana.Es: Miraban los artistas callejeros y los puestos de comida.En: They were watching the street performers and food stalls.Es: Ana, una niña de 10 años, reía y señalaba los globos de colores.En: Ana, a 10-year-old girl, was laughing and pointing at the colorful balloons.Es: Luis, esposo de María, les seguía de cerca. Él llevaba una bolsa con bocadillos que habían comprado.En: Luis, María's husband, followed them closely, carrying a bag with sandwiches they had bought.Es: De repente, María sintió un fuerte dolor en el pecho.En: Suddenly, María felt a sharp pain in her chest.Es: Se detuvo y agarró el brazo de Ana.En: She stopped and grabbed Ana's arm.Es: "Abuela, ¿qué te pasa?", preguntó la niña, asustada.En: "Grandma, what's wrong?" asked the girl, frightened.Es: María no pudo responder.En: María couldn't respond.Es: Su rostro se puso pálido y cayó al suelo.En: Her face turned pale, and she collapsed to the ground.Es: Luis vio todo desde unos metros atrás.En: Luis saw everything from a few meters away.Es: Dejó caer la bolsa y corrió hacia María.En: He dropped the bag and ran towards María.Es: "¡Ayuda! ¡Mi esposa se está muriendo!", gritó desesperado.En: "Help! My wife is dying!" he shouted desperately.Es: La plaza estaba llena de gente, pero en un instante todo el mundo se voltea a mirar a Luis y María.En: The plaza was full of people, but in an instant, everyone turned to look at Luis and María.Es: Un joven, que estaba practicando trucos con su bicicleta cerca, escuchó los gritos y corrió hacia ellos.En: A young man who was practicing tricks on his bicycle nearby heard the screams and rushed to them.Es: "Soy médico", dijo con calma. "Déjame ayudar".En: "I'm a doctor," he said calmly. "Let me help."Es: Ana lloraba, abrazada a su abuela.En: Ana cried, hugging her grandmother.Es: Luis se mantenía cerca, sin poder hacer mucho.En: Luis stayed close, unable to do much.Es: El médico joven revisó a María rápidamente.En: The young doctor quickly checked María.Es: "Es un ataque al corazón", dijo. "Llama a una ambulancia. Ahora".En: "It's a heart attack," he said. "Call an ambulance. Now."Es: Luis sacó su móvil temblando y llamó al 112.En: Luis, trembling, took out his phone and called 112.Es: "Por favor, rápido, mi esposa necesita ayuda", dijo al operador.En: "Please, hurry, my wife needs help," he said to the operator.Es: Pocos minutos después, aunque parecieron horas, la ambulancia llegó.En: A few minutes later, though they seemed like hours, the ambulance arrived.Es: Los paramédicos bajaron corriendo y pusieron a María en una camilla.En: The paramedics ran down and put María on a stretcher.Es: Uno de los paramédicos empezó a darle reanimación cardiopulmonar.En: One of the paramedics started performing cardiopulmonary resuscitation.Es: Luis y Ana los seguían de cerca, con el corazón en un puño.En: Luis and Ana followed them closely, their hearts clenched with worry.Es: En el hospital, los médicos trabajaron sin descanso.En: At the hospital, the doctors worked tirelessly.Es: Luis y Ana esperaban en la sala.En: Luis and Ana waited in the room.Es: Esos minutos parecieron eternos.En: Those minutes felt eternal.Es: Ana rezaba en silencio mientras Luis mantenía la mirada fija en la puerta.En: Ana prayed silently while Luis kept his gaze fixed on the door.Es: Finalmente, un médico salió y se acercó a ellos.En: Finally, a doctor came out and approached them.Es: "María está estable ahora", dijo con una sonrisa.En: "María is stable now," he said with a smile.Es: "Tuvimos suerte. El joven en la plaza actuó rápido y eso hizo la diferencia".En: "We were lucky. The young man in the plaza acted quickly, and that made the difference."Es: Luis y Ana suspiraron de alivio.En: Luis and Ana sighed in relief.Es: "Gracias, doctor", dijo Luis con lágrimas en los ojos.En: "Thank you, doctor," said Luis, tears in his eyes.Es: "¿Podemos verla?", preguntó Ana tímidamente.En: "Can we see her?" asked Ana timidly.Es: "Por supuesto", respondió el médico. "Solo un momento. Ella necesita descansar. Pero pronto se recuperará".En: "Of course," the doctor responded. "Just for a moment. She needs to rest. But she will recover soon."Es: Esa noche, María abrió los ojos y vio las caras felices de Luis y Ana.En: That night, María opened her eyes and saw the happy faces of Luis and Ana.Es: "¿Qué pasó?", preguntó débilmente.En: "What happened?" she asked weakly.Es: "Un héroe en la plaza te salvó", respondió Luis, sonriendo. "Estás aquí con nosotros. Todo estará bien".En: "A hero in the plaza saved you," answered Luis, smiling. "You're here with us. Everything will be okay."Es: María sonrió.En: María smiled.Es: En ese momento, Madrid, con toda su belleza y caos, les daba una nueva oportunidad de estar juntos.En: At that moment, Madrid, with all its beauty and chaos, gave them a new chance to be together.Es: La familia se abrazó, agradecida por el milagro de una vida renovada.En: The family embraced, grateful for the miracle of a renewed life.Es: Y así, en el corazón palpitante de la ciudad, el amor y la esperanza vencieron la tragedia.En: And so, in the heart of the bustling city, love and hope triumphed over tragedy.Es: Fin.En: The end. Vocabulary Words:sunny: soleadobustle: bulliciocrowds: masasgranddaughter: nietaperformers: artistasstalls: puestosballoons: globossharp: fuertegrabbed: agarrófrightened: asustadacollapsed: cayódesperately: desesperadopracticing: practicandotricks: trucoscalmly: con calmacardiopulmonary resuscitation: reanimación cardiopulmonartrembling: temblandoparamedics: paramédicosstretcher: camillaeternal: eternosprayed: rezabaoperator: operadorrelief: aliviohugging: abrazadagaze: miradaambulance: ambulanciaweakly: débilmentebeauty: bellezachaos: caosmiracle: milagro

If you're fed up with ridiculous, patriarchal dating rules but don't know what you'd do instead...so feel like you just need to put up with sucky dates for who knows how long...our guest Lily Womble has got your back. This episode is about dating, of course, but it's really about building the most authentic relationships of your life — including the relationship with yourself. IN THIS EPISODE, WE TALK ABOUT: Feeling like you're either too much or not enough How to ACTUALLY meet people The way dating apps are engineered and where they fit in your dating life's ecosystem How to find great dates in difficult situations (ie small towns, places with values or politics that don't align with yours, etc) and more! ABOUT LILY: Lily Womble is sparking a feminist revolution in the way we date and find love. She was one of the top matchmakers in the U.S., but after setting up hundreds of dates, Lily realized that the answer to finding love was much deeper than a setup, and that the way we are taught to date is still stuck in the patriarchal dark ages. She founded her company, Date Brazen, six years ago and has since helped hundreds of women create love lives that are epic, settle-proof, and joyful-as-hell with her intersectional feminist approach. She changes lives daily on TikTok, Top 4 Relationship Podcast- The Date Brazen Podcast , and sold-out coaching programs world-wide. Her debut nonfiction advice book, Thank You, More Please: A feminist guide to breaking dumb dating rules and finding love, comes out in June 2024 with Legacy Lit. She lives in Brooklyn with her husband, Chris. ~ SHOW NOTES: Order Thank You, More Please Lily on TikTok Lily on IG Date Brazen The Date Brazen Podcast ~ Join THE WANT COMMUNITY!  Buy WANT YOUR SELF  Follow Katie on Instagram Leave a review of the WANTcast on iTunes (and SUBSCRIBE/FOLLOW if you haven't already!) Subscribe to WANT on Substack, and get our bimonthly email newsletter filled with tips, tools, motivation, and inspiration to shift your self-talk Email Katie at katie@womenagainstnegativetalk.com or DM her on Instagram to let her know what you want to hear about, who you want to hear from, or what you want to learn next season of the WANTcast!

Do You Struggle with Your “Prayer Life”? Find a Quiet Place for Your Personal Relationship with God and Pray to the Universe's Creator MESSAGE SUMMARY: Do you struggle with your “Prayer Life”, even though you know it is the most important component of a life lived as a Jesus Follower? Abraham provides you with a model for a “Prayer Life” that works. Abraham was an awesome man, and he had things happen in his life that were both important for him and humankind down through the ages as a resultant of his “Prayer Life”. For the development of your own “Prayer Life”, you can learn from Abraham's “Prayer Life”. One of the first things Abraham did, when he went to a new location or was in a new situation, was to build an altar to the Lord and call on the Lord's name in prayer. In Genesis 12:8, Abraham's focus on and the priority given to his “Prayer Life” is described: “From there he {Abraham}moved to the hill country on the east of Bethel and pitched his tent, with Bethel on the west and Ai on the east. And there he built an altar to the LORD and called upon the name of the LORD.". Prayer was a priority for Abraham to build a place for God in his life and for his personal relationship with God. A way you can follow Abraham's example is to find an altar, a church, or a quiet place in your life to worship and pray, and to call upon the Lord's name like Abraham.   TODAY'S PRAYER: Lord, Sabbath rest is truly an unbelievable gift! Thank you that there is nothing I can do to earn your love; it comes without any strings attached. As I close my eyes for these few minutes before you, all I can say is, thank you! In Jesus' name, amen.  Scazzero, Peter. Emotionally Healthy Spirituality Day by Day (p. 133). Zondervan. Kindle Edition. TODAY'S AFFIRMATION: Today, I affirm that because of what God has done for me in His Son, Jesus, I AM FILLED WITH THE HOLY SPIRIT. If you then, though you are evil, know how to give good gifts to your children, how much more will your Father in heaven give the Holy Spirit to those who ask him! Luke 11:13 SCRIPTURE REFERENCE (ESV): Genesis 12:7-8; Genesis 13:3-18; Genesis 22:9-14; Psalms 79:1-13. A WORD FROM THE LORD WEBSITE: www.AWFTL.org. THIS SUNDAY'S AUDIO SERMON: You can listen to Archbishop Beach's Current Sunday Sermon: “Covid-19 Pentecost: Be Filled with the Holy Spirit – Today, Covid-19 Issues Need an Outpouring of the Holy Spirit” at our Website: https://awordfromthelord.org/listen/    DONATE TO AWFTL: https://mygiving.secure.force.com/GXDonateNow?id=a0Ui000000DglsqEAB

"You deserve to live the life you were meant to live." - Dr. Maria

On today's A Quiet Life episode I share with you how I have had to practice what I am often preaching, especially when it comes to staying connected to those who are going to help you stay on the trail. To join Tribe XIV be sure to register by Sunday May 19th: https://www.thepursuitofmanliness.com/gear/p/tribexivBuild your own Tribe with Tribe Builder: https://www.thepursuitofmanliness.com/gear/p/tribe-builder-the-gospels To get more PoM Podcast content and join a global community of men who help support PoM join The Herd: https://www.thepursuitofmanliness.com/join-the-herd Secure your spot at our Fall Men's Retreat: https://www.thepursuitofmanliness.com/gear/p/2024-mens-retreat Visit Loader Road Goods and check out our newest sponsor to the podcast. Remember to use the discount code in this episode to save 15% off your order. https://www.loaderroadgoods.com/Support the Show.

We've all heard that pesky little voice in our heads say something like, “Well, you should've done XYZ, but you didn't.” Many dyslexics experience negative self-talk. I know I have! Reminding ourselves to be graceful in these moments, while sometimes easier said than done, is the only way through it. Today, I'm sharing 7 ways that you can help the dyslexic in your life give themselves grace. Educate your child on dyslexia and reinforce that their intelligence is not defined by it. Keep the lines of communication open. Encourage them to share their struggles and feelings and reinforce that they are supported Focus on their strengths, not their weaknesses. Highlight the ways they can do something better than you can! Set realistic expectations. This one can be tricky because it's so hard to stop comparing ourselves to others. Try circling back to where they were a year ago and admire the significant progress that they have made. Focus on the effort made, not just the results. Trying is way more important than getting something right or wrong. Normalize mistakes. They are part of the learning process! Model self-compassion. Have a question or want a certain topic covered? Send us an email or a DM on Instagram. I want to support parents with dyslexic children and get this content in the hands of those who need it most. Click the share button and send away! Thank you. Listen to the episode on Apple Podcasts, Spotify, Stitcher, or on your favorite podcast platform. Topics Covered: Busyness and negative self-talk The importance of grace 7 ways to support the dyslexic in your life Modelling self-compassion Connect: Visit my website Sign up for my newsletter Follow me on Instagram Join me on Facebook

Hello my name is Breanna Thompson & I help soul led (divine led) business owners create more money, abundance & prosperity in their life & business. For ways to work with me you can visit highvibeteaching.com or take my free money block quiz to identify where those pesky money blocks are located & ways to clear them ✨

Fluent Fiction - Mandarin Chinese: Spicy Lessons: Conquering the Fiery Flames of Life Find the full episode transcript, vocabulary words, and more:fluentfiction.org/spicy-lessons-conquering-the-fiery-flames-of-life Story Transcript:Zh: 在喧嚣的京城——北京，张伟独自一人，正坐在繁华的“炒作王”的角落。这是一家充满北京特色的家常菜餐馆，酸甜虾仁, 粉蒸肉, 老友炒鸭, 几乎所有的北京菜色都在这里。夜幕低垂，金黄的灯光洒向桌上，食物的香味弥漫整个餐厅。En: In the bustling capital city of Beijing, Zhang Wei sat alone in a corner of the busy "King of Stir-Fry" restaurant. This was a home-style restaurant full of Beijing specialties, serving dishes such as sweet and sour shrimp, steamed pork, stir-fried duck with old friend, and almost all the Beijing cuisines. As the night fell, golden lights shone on the table, and the aroma of the food filled the entire restaurant.Zh: 生活在这座繁忙的都市中，张伟习惯了独自外出的生活。他拿起了菜单，仔细挑选着今晚的便餐。他是一个不善于吃辣的人，每次点餐都极为谨慎，他深怕自己再次重蹈覆辙，点了那令他无法忍受的辣味。En: Living in this busy metropolis, Zhang Wei had gotten used to going out alone. He picked up the menu and carefully chose his dinner for tonight. He was not good with spicy food and always ordered with great caution, afraid of making the same mistake again and ordering something too spicy for him to bear.Zh: 然而，他的注意力被香味诱得分神。他默默点了一道看似全新的菜——“炒作王”的招牌菜“灼热之火”。这道菜勾起了他新奇的好奇心, 而上面“有一种独特的风味”这样的介绍让他没能认出这道菜其实是极度辣味。En: However, his attention was diverted by the enticing aroma. Silently, he ordered a seemingly new dish - the signature dish of "King of Stir-Fry" called "Fiery Flames". This dish sparked his curiosity, and the description that it had "a unique flavor" made him unaware that it was actually extremely spicy.Zh: 张伟等待的过程中，瞥见了餐厅中的其它客人。他们享受的笑脸，让他对即将上桌的“灼热之火”充满期待。当服务员端着热气腾腾的菜品上桌时，一个红彤彤的大辣椒显眼地摆在盘子顶端，他的心脏瞬间收紧。En: While waiting, Zhang Wei caught sight of other diners in the restaurant. Their joyful expressions filled him with anticipation for the upcoming "Fiery Flames". When the waiter brought the steaming dish to the table, a bright red chili pepper was prominently placed on top of the plate, instantly tightening his heart.Zh: 然而，已经为时已晚，辣椒的香辣气息已经入口。张伟只觉得口腔如同火炉，汗如雨下。他不敢相信自己再次犯下了这样的错误。在两旁观众的尴尬笑声中，他低下了头，汗顺着额头滴落，在他的心中，他感到一种深深的挫败和失落。En: But it was already too late, the spicy aroma of the chili pepper had already reached his palate. Zhang Wei only felt his mouth turning into a furnace, and sweat pouring down from his forehead. He couldn't believe he had made the same mistake again. Amid the awkward laughter from the audience, he lowered his head, sweat dripping down his face, feeling a deep sense of frustration and disappointment in his heart.Zh: 透过窗户，月光照入餐厅，让张伟有些打起了精神。决定放下面子，他告诉自己突破这个错误的唯一方式就是坚持，是尝试和勇敢。他跨过心里的这道围墙，他带着微笑，开始享用这道让他既爱又恨的菜。En: Through the window, moonlight shone into the restaurant, bringing some encouragement to Zhang Wei. Deciding to put aside his ego, he told himself that the only way to overcome this mistake was perseverance, trial, and bravery. He crossed the wall in his heart and started to enjoy this dish that he loved and hated at the same time, with a smile on his face.Zh: 故事至此结束，张伟的经历教我们一个生活的道理，世间万物皆有其二面性，不会有永远辣得让人无法吃下去的菜，也不会有永远甜得让人满足的糖。只有我们自身的调整和改变才能适应世界，在错误中受教，在尝试中成长。En: The story ends here, and Zhang Wei's experience teaches us a valuable lesson in life. Everything in the world has its duality, there won't be dishes that are always too spicy to eat or sweets that are always satisfying. Only through self-adjustment and change can we adapt to the world, learn from mistakes, and grow through trying. Vocabulary Words:Beijing: 北京Zhang Wei: 张伟corner: 角落restaurant: 餐馆specialties: 特色菜sweet and sour shrimp: 酸甜虾仁steamed pork: 粉蒸肉stir-fried duck with old friend: 老友炒鸭cuisines: 菜色night: 夜晚golden lights: 金黄的灯光aroma: 香味metropolis: 都市menu: 菜单dinner: 便餐spicy food: 辣味食物caution: 谨慎mistake: 错误enticing: 诱人的new dish: 新菜signature dish: 招牌菜Fiery Flames: 灼热之火curiosity: 好奇心description: 描述extremely spicy: 极度辣味waiter: 服务员chili pepper: 辣椒heart: 心脏spicy aroma: 香辣气息perseverance: 坚持

Fluent Fiction - Hebrew: Café Urbanus: Embracing the Mess of Life Find the full episode transcript, vocabulary words, and more:fluentfiction.org/cafe-urbanus-embracing-the-mess-of-life Story Transcript:He: בלב תל אביב, דוף הלב המוסרב של הארץ, נמצא "קפה אורבנו" - מקום שההמוני האנשים מצופים אליו, נמשכים לחום שלו, לרעש המוכר ולתחושת הבית.En: In the heart of Tel Aviv, the beaten heart of the country, lies "Café Urbanus" - a place where crowds of people flock to, drawn to its warmth, familiar noises, and sense of home.He: בפינה אחת של הקפה, על ספסל קטן אחד, יושב גבר נאה בשם יהודה. החולצה הלבנה של יהודה מנצנצת כאילו הכביסה הקלה שלה הסתיימה רק ממש עכשיו.En: In one corner of the café, on a small bench, sits a handsome man named Yehuda. Yehuda's white shirt sparkles as if its light wash had just finished now.He: אל הזווית הזו חולפת חלפה תמר, מלצרית חריפה ומנוסה שכבר שנים מניחה קתרי קפה ומלוחגת לאו הדין, כאמהות של מושבה שלמה.En: Passing by this corner is Tamar, a sharp and experienced waitress who has been pouring coffee and cracking jokes for years, like a mother to a whole settlement.He: ההמונים פה מתפוצצים, צועקים לה שימחפים בגבול מהר את הקפה שזקוקים לו, ולא משנה איפה הם עומדים בקפה, הם תמיד כמעט בהתרסה, שופעים מעבר לגבולות שלהם.En: The crowds here explode, shouting at her to quickly pour the coffee they desperately need, and no matter where they stand in the café, they are always on the verge of eruption, overflowing beyond their boundaries.He: זה היה רק זמן שאליו תגיע הכוס שביד תמר לחולצה של יהודה. לבנה כמו חלב, צחה כמו יום בהיר חגיגי, חווה לשינוי בוטאני.En: It was only a matter of time before the cup in Tamar's hand would find its way to Yehuda's shirt. The shirt, as white as milk, fresh as a clear festive day, undergoes a botanic transformation.He: על החולצה נשפך הקפה, שוב ושוב, כי ההמונים לא מפסיקים. יתר על כן, הם באי התקוממות נסחפים על פני כולם, על פני תמר שהיא מתגרה בהם, על פני יהודה שעומד וקורע את החולצה המרובעת, הרטובה בקפה.En: The coffee spills onto the shirt, again and again, because the crowds never stop. Moreover, in their state of arousal, they are swept up within themselves, no matter if it's Tamar challenging them or Yehuda tearing his square shirt, soaked in coffee.He: דרך ההמונים המתגוררים יוצאת תמר אל יהודה "אני מתנצלת, אני ממש מתנצלת", אומרת היא כשהיא מנקה את הקפה מהחולצה שלו.En: Through the crowd, Tamar approaches Yehuda and says, "I apologize, I'm really sorry," as she cleans the coffee from his shirt.He: יהודה מביט בה בחיוך, ממשיך להסתכל על הלכלוך שהתפשט על החולצה שלו, חוזר להתבונן בתמר. "את ממש לא צריכה להתנצל", מחייך וממשיך "החיים רחוקים מלהיות מושלמים. זה אינו הסוף של העולם."En: Yehuda looks at her with a smile, continues to stare at the mess that has spread on his shirt, and looks back at Tamar. "You really don't need to apologize," he smiles and continues, "Life is far from being perfect. This is not the end of the world."He: "קפה אורבנו" ממשיך לקיים ולהתפצל, אך יש מישהו שראה בזה משהו אחד: תמר ויהודה.En: "Café Urbanus" continues to thrive and bustle, but there are two people who saw something different in it: Tamar and Yehuda.He: מעבר להמונים, הם מחייכים זה בזה, זהו הסוף של הסיפור הקצר שלנו – הם מצאו לעצמם שלווה בתוך החוסר מנוחה של העיר, הם ממש את הלכלוך של החיים ועל פני זאת משתפים פעולה בשיחה שמחה.En: Beyond the crowds, they smile at each other, signaling the end of our short story – they have found tranquility within the restlessness of the city, they embrace the mess of life, and they share their joy in conversation. Vocabulary Words:Yehuda: יהודהCafé Urbanus: קפה אורבנוTel Aviv: תל אביבheart: לבcountry: ארץcrowds: ההמוניםplace: מקוםwarmth: חוםfamiliar: מוכרnoises: רעשיםsense: תחושהhome: ביתbench: ספסלhandsome: נאהshirt: חולצהsparkles: מנצנץwash: כביסהcorner: פינהapologize: להתנצלsorry: מתנצלcoffee: קפהpour: ליצוקjokes: הומורmother: אםsettlement: מושבהcup: כוסmilk: חלבfestive: חגיגיday: יוםtransformation: שינויBecome a supporter of this podcast: https://www.spreaker.com/podcast/fluent-fiction-hebrew--5818690/support.

Experience an enriching journey towards high self-worth & a love-filled existence by listening to today's episode.Learn how to dismantle negative patterns while fostering positive ones that amplify your worthiness for love & joyfulness. Are you ready to embark on this empowering path?Tune in now!

Do You Struggle with Your “Prayer Life”? Find a Quiet Place for Your Personal Relationship with God and Pray to the Universe's Creator MESSAGE SUMMARY: Do you struggle with your “Prayer Life”, even though you know it is the most important component of a life lived as a Jesus Follower? Abraham provides you with a model for a “Prayer Life” that works. Abraham was an awesome man, and he had things happen in his life that were both important for him and humankind down through the ages as a resultant of his “Prayer Life”. For the development of your own “Prayer Life”, you can learn from Abraham's “Prayer Life”. One of the first things Abraham did, when he went to a new location or was in a new situation, was to build an altar to the Lord and call on the Lord's name in prayer. In Genesis 12:8, Abraham's focus on and the priority given to his “Prayer Life” is described: “From there he {Abraham}moved to the hill country on the east of Bethel and pitched his tent, with Bethel on the west and Ai on the east. And there he built an altar to the LORD and called upon the name of the LORD.". Prayer was a priority for Abraham to build a place for God in his life and for his personal relationship with God. A way you can follow Abraham's example is to find an altar, a church, or a quiet place in your life to worship and pray, and to call upon the Lord's name like Abraham.   TODAY'S PRAYER: Lord, Sabbath rest is truly an unbelievable gift! Thank you that there is nothing I can do to earn your love; it comes without any strings attached. As I close my eyes for these few minutes before you, all I can say is, thank you! In Jesus' name, amen.  Scazzero, Peter. Emotionally Healthy Spirituality Day by Day (p. 133). Zondervan. Kindle Edition. TODAY'S AFFIRMATION: Today, I affirm that because of what God has done for me in His Son, Jesus, I AM RIGHTEOUS IN GOD'S EYES. God made Him who had no sin to be sin for us, so that in Him we might become the righteousness of God. 2 Corinthians 5:21 SCRIPTURE REFERENCE (ESV): Genesis 12:7-8; Genesis 13:3-18; Genesis 22:9-14; Psalms 79:1-13. A WORD FROM THE LORD WEBSITE: www.AWFTL.org. THIS SUNDAY'S AUDIO SERMON: You can listen to Archbishop Beach's Current Sunday Sermon: “A Christmas Message” at our Website: https://awordfromthelord.org/listen/    DONATE TO AWFTL: https://mygiving.secure.force.com/GXDonateNow?id=a0Ui000000DglsqEAB

We've all heard the term “Firefly Friend” thanks to the popular Netflix show, and this sparked our discussion about what makes a respectful friend? What do those friendships look like and sound like in action? Listen as we discuss this topic and give our suggestions on how to be a more respectful friend, and how to get your needs met if you feel like the MORE respectful friend in your relationship. This holiday season especially, take a look around you and make sure you are taking care of the people who take care of you! Pay attention to the effort that others are putting in to the festivities, honor your commitments when you can and above all, give kudos to your friends (and family) when you know they have put in extra effort to make your experience special! Happy Holidays! ❤️

Do you ever feel a little lost…while everyone around you seems to have it figured out? You're not alone. Today, I'm joined by Laura Belgray — author of Tough Titties and self-proclaimed “late bloomer” — to bust the myth that you have to be a “Type A” go-getter to succeed! Listen now to discover how you can be messy, lazy, start “too late” and still write a book, start a business, and create success on your own terms. Host, Marie Forleo, has coached tens of thousands of entrepreneurs and is here to help you create a business and life you love. In this episode, we cover: The BEST advice for aspiring authors. [5:05] A massive misconception that crushes creativity. [10:55] How to overcome the fear of being judged. [14:06] What to do when you feel like a disappointment. [15:02] The power of a mid-life career shift. [20:59] How to write personal stories you don't want your family to read. [25:57] How to be true to yourself. [38:42] Thanks for listening! New episodes drop every Tuesday. Make sure you hit the follow button to get notified.