Podcasts about life find

Fluent Fiction - Swedish: Emil's Graduation: A New Beginning in Love and Life Find the full episode transcript, vocabulary words, and more:fluentfiction.com/sv/episode/2026-06-01-22-34-01-sv Story Transcript:Sv: Emil stod på campusen, omgiven av sina medstudenter som bar traditionella examenmössor.En: Emil stood on the campus, surrounded by his fellow students who wore traditional graduation caps.Sv: Körsbärsträden blommade och himlen var klar och blå.En: The cherry trees were in bloom and the sky was clear and blue.Sv: Det var en perfekt vårdag i Sverige.En: It was a perfect spring day in Sverige.Sv: Han kände en blandning av spänning och nervositet.En: He felt a mix of excitement and nervousness.Sv: Det var inte bara hans stora dag, utan också starten på en ny fas i hans liv.En: It wasn't just his big day, but also the start of a new phase in his life.Sv: I två år hade Emil varit i ett långdistansförhållande med Hanna.En: For two years, Emil had been in a long-distance relationship with Hanna.Sv: Hon bodde i en annan stad, flera timmar bort.En: She lived in another city, several hours away.Sv: Deras kärlek hade överlevt avståndet, men nu, med examen i hand, ville Emil något mer.En: Their love had survived the distance, but now, with his diploma in hand, Emil wanted something more.Sv: Han ville att de skulle vara närmare, fysiskt och emotionellt.En: He wanted them to be closer, physically and emotionally.Sv: Mitt i firandet tog Emil ett djupt andetag och ringde till Hanna.En: In the middle of the celebration, Emil took a deep breath and called Hanna.Sv: Hon svarade snabbt, full av glädje över hans prestation.En: She answered quickly, full of joy over his achievement.Sv: "Grattis, älskling!"En: "Congratulations, darling!"Sv: hördes hennes röst genom telefonen.En: her voice came through the phone.Sv: Emil log, men han kände också vikten av samtalet som väntade.En: Emil smiled, but he also felt the weight of the conversation that awaited.Sv: Efter några minuter av småprat och delade skratt tog Emil mod till sig.En: After a few minutes of small talk and shared laughter, Emil gathered his courage.Sv: "Hanna, jag har tänkt mycket på oss," började han.En: "Hanna, I've been thinking a lot about us," he began.Sv: "Nu när jag har tagit examen, kanske vi kan tänka på att bo närmare varandra?"En: "Now that I've graduated, maybe we can think about living closer to each other?"Sv: Hanna blev tyst för ett ögonblick.En: Hanna was silent for a moment.Sv: Emil kunde känna hur hans hjärtslag ökade.En: Emil could feel his heartbeat increase.Sv: Han lade fram en plan som kunde göra det möjligt för dem att vara tillsammans utan avståndets hinder.En: He presented a plan that could allow them to be together without the burden of distance.Sv: "Jag har letat efter jobb där du bor," fortsatte Emil.En: "I've been looking for jobs where you live," Emil continued.Sv: "Men jag hoppas att vi kan prata om det och hitta en lösning som fungerar för oss båda."En: "But I hope we can talk about it and find a solution that works for both of us."Sv: Till Emils lättnad svarade Hanna med en lugnande ton.En: To Emil's relief, Hanna responded in a soothing tone.Sv: "Jag har faktiskt också tänkt på det," sa hon försiktigt.En: "I've actually thought about that too," she said carefully.Sv: "Det finns ett jobb som jag har tittat på i din stad.En: "There's a job I've been looking at in your city.Sv: Det skulle betyda att jag kan flytta dit."En: It would mean that I can move there."Sv: Emils hjärta fylldes med hopp.En: Emil's heart filled with hope.Sv: "Är det sant?"En: "Is that true?"Sv: frågade han, knappt vågande tro sina öron.En: he asked, hardly daring to believe his ears.Sv: "Ja," svarade Hanna.En: "Yes," Hanna replied.Sv: "Jag vill det lika mycket som du.En: "I want it just as much as you do.Sv: Låt oss göra det här tillsammans."En: Let's do this together."Sv: Prata om framtiden kändes plötsligt möjligt.En: Talking about the future suddenly felt possible.Sv: De bestämde sig för att undersöka jobbmöjligheterna och göra en plan för att stänga avståndet mellan dem.En: They decided to explore job opportunities and make a plan to close the distance between them.Sv: De var överens om att ta steg för att bygga en framtid tillsammans.En: They agreed to take steps to build a future together.Sv: När de lade på samtalet, kände Emil en lättnad sprida sig genom kroppen.En: As they ended the call, Emil felt a relief spread through his body.Sv: Samtalet hade varit positivt och ömsesidigt stödjande.En: The conversation had been positive and mutually supportive.Sv: Hanna kände sig stark och hoppfull, trygg med beslutet att följa sin kärlek.En: Hanna felt strong and hopeful, confident in the decision to follow her love.Sv: Solen började gå ner, men på campus lyste studenternas glädje fortfarande.En: The sun began to set, but the joy of the students still lit up the campus.Sv: Emil vandrade genom de blommande körsbärsträden med vetskapen om att våren inte bara innebar en ny början på hans liv, utan också möjligheten att på riktigt dela det med den han älskade.En: Emil wandered through the blooming cherry trees with the knowledge that spring not only marked a new beginning in his life, but also the possibility of truly sharing it with the one he loved. Vocabulary Words:campus: campusensurrounded: omgivengraduation caps: examenmössorcherry trees: körsbärsträdennervousness: nervositetphase: faslong-distance relationship: långdistansförhållandediploma: examenphysically: fysisktemotionally: emotionelltcelebration: firandetachievement: prestationrelief: lättnadsoothing: lugnandesolution: lösningmutually: ömsesidigtsupportive: stödjandeheart filled: hjärta fylldesdarling: älsklingshared laughter: delade skrattburden: hinderto explore: undersökaopportunities: möjligheternaheartbeat: hjärtslagplan: planpossible: möjligtstarted: börjadewandered: vandradeblooming: blommandeknowledge: vetskapen

Ever feel like your voice gets watered down when you're trying to sound "professional"? Copywriting expert Laura Belgray shares how to stand out by saying what you really mean - and owning it. This episode is packed with sharp insights on writing, confidence, and building a business that actually feels like you. Expect equal parts tough love and laugh-out-loud moments.  If you prefer video or want closed captions, you can watch all our episodes on Youtube → http://www.youtube.com/marieforleo  COME SAY HI! Instagram: http://www.instagram.com/marieforleo Tiktok: https://www.tiktok.com/@marieforleo Facebook: http://www.Facebook.com/marieforleo X: http://www.x.com/marieforleo MORE RESOURCES FOR YOU: Watch my Free Masterclass: 3 Sneaky Mistakes that kill Productivity & Tank Profits → https://www.marieforleo.com/freeclass How to Get Anything You Want (Free Audio Training) → https://www.marieforleo.com/how-to-get-anything-you-want Build Your $250K Offer in Minutes Using my Proven Frameworks → https://checkout.marieforleo.com/build-your-250k-offer/ If you enjoyed this episode, please leave us a review!

Motherhood is one of the most beautiful and most exhausting callings — and for many moms, joy can start to feel like a luxury they cannot afford. The schedules, the needs, the emotional weight of holding a family together, the long nights that blur into long days — it is easy to keep your head down and keep moving without ever noticing the small, grace-filled moments that God is quietly scattering into the ordinary. But Psalm 97:11 reminds us that joy is not delivered in one grand package when life finally calms down. It is sown — planted like seeds in the soil of everyday moments, sprouting sideways in a child's ridiculous answer, in a laugh that catches you off guard, in the sudden, quiet awareness that God is still present in the middle of all of it. The moms in our lives don't always need someone to fix their hard things or rush them toward the bright side. Sometimes they need someone who will sit with them in the mess, pay attention alongside them, and gently say, did you catch that? That was joy right there. Today is an invitation to be that person — to pray for the moms around you, to ask God to open their eyes to what He is already doing, and to help them notice the jelly-bean moments on even the hardest green-bean days. Interested in creating something new with us!? Take Our Newsletter Survey! Bible Verse "Light is sown for the righteous and joy for the upright in heart." — Psalm 97:11 Ponder Today Joy is not the absence of hard — it is the evidence that God is sowing something good even when the soil looks barren and the days feel impossibly heavy. God scatters joy into ordinary moments — a child's unexpected answer, a quiet exhale after the chaos, a sudden awareness of His presence — and He knows exactly when we need it most. The moms around us don't always need someone to minimize their struggles or rush them to the silver lining — sometimes they need someone who will sit with them and help them notice what God is already doing. Joy rarely arrives when we go searching for it head-on — it tends to show up sideways, in the small and unremarkable moments we are most likely to rush right past. When we pray for the moms in our lives, we are asking God to open their eyes to the seeds of joy He has already planted — to help them see His presence and goodness in the middle of their everyday reality. Today's Prayer Father, I lift up the moms in my life to You right now. Some of them are barely hanging on, carrying more than anyone sees. You know what they are carrying. Help them find the joy You have already planted in their lives — not a surface-level happiness that disappears when things get hard, but the deep, sustaining joy that comes from knowing You are with them. Open their eyes to the small moments they keep rushing past. And show me how to be someone who points them back to what You are doing, even when life feels like too much. Help me be a voice that speaks life into their weariness. In Jesus' name, Amen. Enjoy Today's Prayer? If this episode encouraged you, we'd love to stay connected! Subscribe to the LifeAudio newsletter at LifeAudio.com for daily prayers, devotionals, and faith-filled content delivered straight to your inbox. Don't miss an episode — subscribe and share with someone who needs encouragement today. Discover more Christian podcasts at lifeaudio.com and inquire about advertising opportunities at lifeaudio.com/contact-us.

Lose Your Life = Find Your Life / Pastor Tim Perkins / 05.03.26

  Whether you are spiritually curious, searching, or a follower of Jesus, in this conversation, Pastor Casey Groves does a deep dive into who the person of Jesus Christ is, evidence for His life and resurrection, and the radical love of Christ and gift of forgiveness and eternal life He grants everyone who believes.  This episode will strengthen your faith if you are a believer and help your friends and family who are unsure of what they believe about Jesus understand who He is and how He can transform their lives. This is a beautifully grounded conversation about who Jesus is, why we can trust Him, and how He transforms the people who come to Him. Casey unpacks the story of the woman at the well in John 4 — a woman who came hiding in shame and left as the first missionary — and connects it to what it means to discover your identity in Christ today. If you're wrestling with guilt, or ready to know your worth in God's eyes, this is the episode to listen to. And if you've been away from your faith for a while, there's a prayer at the end of this episode that might just bring you home.     Show Notes Connect with Us Free guide: "5 Keys to Walking In Your Worth." wonderfullymade.org Allie's Books Social Media Reset: A 30-Day Guided Journey to Unplug, Reconnect with God, and Reclaim Your JoyWonderfully Made: Discover the Identity, Love, and Worth You Were Created For Social Media @wonderfullymade_org @alliemariesmithTikTok Resources Life Coaching for Teen GirlsSocial Media Reset CourseWonderfully Made Young Women's Course  

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. THIS SUNDAY'S AUDIO SERMON: You can listen to Archbishop Beach's Current Sunday Sermon: “The Upper Room Part 1: The Promise of the Spirit (Apostles Anglican Church; Knoxville, TN)” at our Website: https://awordfromthelord.org/listen/    DONATE TO AWFTL: https://mygiving.secure.force.com/GXDonateNow?id=a0Ui000000DglsqEAB

Fluent Fiction - Spanish: Tango Triumph: Santiago's Café Dances Back to Life Find the full episode transcript, vocabulary words, and more:fluentfiction.com/es/episode/2026-04-10-22-34-00-es Story Transcript:Es: El sol brillaba en las coloridas calles de El Caminito, en Buenos Aires.En: The sun shone on the colorful streets of El Caminito, in Buenos Aires.Es: En medio de esa vibrante atmósfera, entre los turistas y los sonidos de la música de tango, se encontraba el pequeño café de Santiago.En: In the midst of that vibrant atmosphere, among the tourists and the sounds of tango music, was Santiago's little café.Es: Las paredes del café eran amarillas y azules, reflejando la energía y el arte del barrio.En: The walls of the café were yellow and blue, reflecting the energy and art of the neighborhood.Es: Santiago amaba la cultura de Buenos Aires.En: Santiago loved the culture of Buenos Aires.Es: Solía bailar tango cuando era joven, pero la vida lo llevó a ser propietario del café.En: He used to dance tango when he was young, but life led him to become the owner of the café.Es: A pesar del amor por su café, algo en su corazón extrañaba las pistas de baile.En: Despite his love for his café, something in his heart missed the dance floors.Es: Elena y Carlos, sus leales amigos, lo ayudaban todos los días en el café.En: Elena and Carlos, his loyal friends, helped him every day in the café.Es: Pero últimamente las cosas no iban bien.En: But lately, things were not going well.Es: Un nuevo café, elegante y moderno, había abierto a pocos metros.En: A new café, elegant and modern, had opened just a few meters away.Es: Cada día, más turistas preferían el nuevo lugar.En: Each day, more tourists preferred the new place.Es: Santiago sentía la presión, pero sobre todo, una tristeza en su interior.En: Santiago felt the pressure, but above all, a sadness inside him.Es: Era otoño, una estación llena de colores cálidos y hojas danzantes.En: It was autumn, a season full of warm colors and dancing leaves.Es: El aroma del café llenaba el aire, pero Santiago quería más.En: The aroma of coffee filled the air, but Santiago wanted more.Es: Quería el sonido del tango, los rostros sonrientes de los bailarines, el aplauso de los clientes.En: He wanted the sound of tango, the smiling faces of the dancers, the applause of the customers.Es: Para la Semana Santa, decidió organizar una noche especial de tango en su café.En: For Semana Santa, he decided to organize a special tango night at his café.Es: Quería atraer a más personas, mostrar la magia de su espacio.En: He wanted to attract more people, to show the magic of his space.Es: Elena y Carlos lo apoyaron con entusiasmo.En: Elena and Carlos supported him enthusiastically.Es: El cartel en la entrada decía: "Noche de Tango - Especial de Pascua".En: The sign at the entrance said: "Tango Night - Easter Special".Es: La idea era perfecta.En: The idea was perfect.Es: Tanto turistas como locales sentían curiosidad.En: Both tourists and locals were curious.Es: Santiago estaba nervioso.En: Santiago was nervous.Es: Sabía que esta noche era crucial para el futuro de su café.En: He knew that this night was crucial for the future of his café.Es: Llegó la noche.En: The night arrived.Es: Las mesas estaban llenas.En: The tables were full.Es: El ambiente era eléctrico.En: The atmosphere was electric.Es: Pero entonces, una complicación: uno de los bailarines no se presentó.En: But then, a complication: one of the dancers did not show up.Es: Había una pausa incómoda.En: There was an awkward pause.Es: Santiago, sintiendo la adrenalina, decidió dar un paso adelante.En: Santiago, feeling the adrenaline, decided to step forward.Es: Elena lo miró con una sonrisa alentadora.En: Elena looked at him with an encouraging smile.Es: "Santiago, ¡es tu momento!En: "Santiago, it's your moment!"Es: ", dijo.En: she said.Es: Sin pensarlo dos veces, Santiago tomó el lugar del bailarín.En: Without a second thought, Santiago took the dancer's place.Es: La música comenzó.En: The music started.Es: Sus pies al principio estaban inseguros, pero pronto, recordaron los movimientos, el ritmo, la pasión.En: His feet were unsure at first, but soon, they remembered the movements, the rhythm, the passion.Es: Cada paso lo conectaba más con su pasado, con su amor por el tango.En: Each step connected him more with his past, with his love for tango.Es: La gente aplaudía.En: People applauded.Es: Algunos hasta comenzaron a bailar alrededor de las mesas.En: Some even began to dance around the tables.Es: La noche fue un éxito.En: The night was a success.Es: Santiago sintió que su amor por el tango revivía y que el café tomaba un nuevo aire.En: Santiago felt his love for tango revive and his café take on a new life.Es: Con el paso de los días, más personas visitaban su café.En: As the days passed, more people visited his café.Es: La historia de su baile se había compartido por todo el barrio.En: The story of his dance had spread throughout the neighborhood.Es: Santiago estaba lleno de confianza, no solo como dueño de un café, sino como un verdadero amante de la cultura de su ciudad.En: Santiago was full of confidence, not just as a café owner, but as a true lover of his city's culture.Es: Y así, en cada rincón de El Caminito, entre las risas y los pasos de tango, el pequeño café de Santiago resplandecía más que nunca.En: And so, in every corner of El Caminito, amid the laughter and the tango steps, Santiago's little café shone brighter than ever.Es: Su miedo había quedado atrás, y ahora caminaba con la certeza de que sus raíces eran su fortaleza.En: His fear had faded away, and now he walked with the certainty that his roots were his strength. Vocabulary Words:the sun: el solthe streets: las callesthe neighborhood: el barrioto become: llegar a serthe pressure: la presiónto miss: extrañarthe owner: el propietarioelegant: eleganteto attract: atraerto organize: organizarthe sign: el cartelthe entrance: la entradaelectric: eléctricothe complication: la complicaciónthe dancer: el bailarínawkward: incómodothe adrenaline: la adrenalinato step forward: dar un paso adelanteencouraging: alentadorto recall: recordarthe rhythm: el ritmothe passion: la pasiónto commend: aplaudirto revive: revivirto spread: compartirsethe confidence: la confianzathe corner: el rincónthe laughter: las risasto fade away: quedar atrásthe roots: las raíces

Fluent Fiction - Hebrew: Eran's Scientific Breakthrough: Balancing Passion and Life Find the full episode transcript, vocabulary words, and more:fluentfiction.com/he/episode/2026-03-25-07-38-19-he Story Transcript:He: במעבדה הסודית, בין צלילי המכונות והניירות המפוזרים, ערן הרגיש כמו חוקר בפסגת תגליותיו.En: In the secret laboratory, amidst the sounds of the machines and scattered papers, Eran felt like a researcher at the peak of his discoveries.He: האביב הגיע והרחובות שבחוץ כבר החלו להתכונן לפסח.En: Spring had arrived, and the streets outside were already starting to prepare for Passover.He: תמר ודוד, שני חבריו לעבודה, עבדו גם הם בכל הכוח, אבל ערן, כמדען מלא תשוקה, שאף למהפכה של ממש במדע.En: Tamar and David, his two work colleagues, were also working with all their might, but Eran, as a passionate scientist, aspired for a real revolution in science.He: ערן ידע שהזמן דוחק.En: Eran knew that time was pressing.He: המנחים והעמיתים שלו הסתכלו עליו בציפייה והוא נלחם להספיק הכול לפני החג.En: His mentors and colleagues looked at him expectantly, and he fought to complete everything before the holiday.He: אבל הלחץ הזה לא היה היחיד.En: But this pressure wasn't the only one.He: היה עליו גם למצוא איזון בין המחקר להתחייבויות המשפחתיות לקראת החג.En: He also had to find balance between his research and family commitments leading up to the holiday.He: אותו בוקר, ערן התלבט.En: That morning, Eran was uncertain.He: האם לנסות פתרונות מהירים כדי לסיים בזמן, או להאט ולוודא שהכול מדויק ובטוח?En: Should he try quick fixes to finish on time, or slow down and make sure everything was accurate and safe?He: הניסויים שלו נתקלו בעיכובים, והמשאבים כבר הלכו והתמעטו.En: His experiments faced delays, and resources were already dwindling.He: ערן הרגיש שהכול מתפורר.En: Eran felt everything was falling apart.He: בשעות הערב, כשכולם כבר החלו לארוז כדי לצאת לחגיגות, ערן הרגיש את הלחץ עולה.En: In the evening hours, when everyone had already started to pack up to head for the celebrations, Eran felt the pressure rising.He: בהחלטה של רגע, הוא ניגש לניסוי בלתי נבדק והחל בשינוי חד.En: In a moment's decision, he approached an untested experiment and began a sharp change.He: פחד הציף אותו, הרי היה יכול לאבד את הכול.En: Fear flooded him; he could lose everything.He: אבל הוא ידע גם שאין לו ברירה אחרת.En: But he also knew he had no other choice.He: באותו רגע בו הניסוי התהפך, ערן השתאה.En: At that moment when the experiment turned, Eran was astonished.He: הכימיקלים התערבבו בצורה יוצאת דופן, והמדדים הציגו פריצת דרך קטנה אך משמעותית.En: The chemicals mixed in an extraordinary way, and the readings showed a small but significant breakthrough.He: באופן לא צפוי, ערן הצליח למצוא ממצא חדש.En: Unexpectedly, Eran managed to discover something new.He: אך לצד ההתרגשות, הבין ערן מספר שיעורים חשובים.En: But alongside the excitement, Eran realized several important lessons.He: הוא למד על החשיבות של סבלנות ויסודיות.En: He learned about the importance of patience and thoroughness.He: גם במדע, אין קיצורי דרך שווים.En: Even in science, there are no worthwhile shortcuts.He: אולם מעבר לכך, הוא התחיל להעריך את הצורך בשילוב בין העבודה לחיים האישיים, ובין המרדף אחרי ההישגים לשמירה על החיים הפרטיים והמשפחתיים.En: Beyond that, he began to appreciate the need for balance between work and personal life and between the pursuit of achievements and maintaining personal and family life.He: וכך, ערן יצא מהמעבדה, לא רק מדען טוב יותר, אלא גם אדם שלם ומאוזן יותר.En: And so, Eran left the laboratory, not only a better scientist but also a more complete and balanced person.He: החגיגה כבר החלה, והחיים שוב נשמעו ברקע, עם כל הריחות והצלילים של ההכנות לפסח.En: The celebration had already begun, and life again echoed in the background, with all the scents and sounds of the preparations for Passover. Vocabulary Words:amidst: ביןscattered: מפוזריםresearcher: חוקרdiscoveries: תגליותיוaspired: שלאףrevolution: מהפכהpressing: דוחקexpectantly: בציפייהcommitments: התחייבויותuncertain: התלבטfixes: פתרונותaccurate: מדויקresources: משאביםdwindling: התמעטוastonished: השתאהbreakthrough: פריצת דרךunexpectedly: באופן לא צפויthoroughness: יסודיותshortcuts: קיצורי דרךbalance: איזוןexcitement: התרגשותpatience: סבלנותpursuit: מרדףachievements: הישגיםmaintaining: שמירה עלflooded: הציףcelebrations: חגיגותunprecedented: יוצאת דופןmentors: מנחיםdelays: עיכוביםBecome a supporter of this podcast: https://www.spreaker.com/podcast/fluent-fiction-hebrew--5818690/support.

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 FORGIVEN. If we confess our sins, He is faithful and just and will forgive us our sins and purify us from all unrighteousness. 1 John 1:9 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: “What Are You Aiming For” at our Website: https://awordfromthelord.org/listen/    DONATE TO AWFTL: https://mygiving.secure.force.com/GXDonateNow?id=a0Ui000000DglsqEAB

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Fluent Fiction - Italian: Finding Artistry in Piazza Navona's Dance of Life Find the full episode transcript, vocabulary words, and more:fluentfiction.com/it/episode/2026-03-13-22-34-01-it Story Transcript:It: La luce del sole di primavera inondava Piazza Navona, facendo brillare le pietre del pavimento e riempiendo l'aria di energia vivace.En: The spring sunlight flooded Piazza Navona, making the stones of the pavement shine and filling the air with lively energy.It: I turisti scattavano foto, gli artisti esponevano le loro opere, e il suono dell'acqua che scorreva nelle fontane rilassava l'animo.En: The tourists snapped photos, the artists displayed their works, and the sound of water flowing in the fountains relaxed the soul.It: Era una giornata perfetta per un'escursione dell'accademia d'arte.En: It was a perfect day for an art academy excursion.It: Gianni contemplava la tela bianca davanti a sé, cercando di ignorare i dubbi che gli affollavano la mente.En: Gianni contemplated the blank canvas in front of him, trying to ignore the doubts crowding his mind.It: "Dai, Gianni," disse Lorenzo, dandogli una pacca sulla spalla.En: "Come on, Gianni," said Lorenzo, giving him a pat on the shoulder.It: "Puoi farcela.En: "You can do it.It: Piazza Navona è bellissima oggi.En: Piazza Navona is beautiful today.It: Sfrutta l'ispirazione."En: Use the inspiration."It: Marcella, l'insegnante d'arte, girava tra gli studenti, offrendo parole di incoraggiamento.En: Marcella, the art teacher, wandered among the students, offering words of encouragement.It: Quando passò vicino a Gianni, gli sorriso con calore.En: When she passed near Gianni, she smiled warmly at him.It: "Lascia che il tuo cuore guidi il pennello," disse dolcemente.En: "Let your heart guide the brush," she said gently.It: Ma Gianni era bloccato.En: But Gianni was stuck.It: La piazza era troppo.En: The square was too much.It: Troppo colore, troppo movimento.En: Too much color, too much movement.It: Sentiva il bisogno di impressionare Marcella e, ancora di più, se stesso.En: He felt the need to impress Marcella and, even more, himself.It: Voleva dimostrare che era davvero un artista capace, ma la tela continuava a restare vuota.En: He wanted to prove that he really was a capable artist, but the canvas remained blank.It: Decise di prendersi una pausa.En: He decided to take a break.It: Osservò la gente che passava: un bambino che rincorreva un palloncino, due signori che discutevano animatamente seduti su una panchina, una coppia di anziani che si tenevano per mano.En: He observed the people passing by: a child chasing a balloon, two gentlemen animatedly discussing on a bench, an elderly couple holding hands.It: Gianni cercava un momento, un'emozione da catturare.En: Gianni was searching for a moment, an emotion to capture.It: Proprio allora, la musica di un chitarrista di strada riempì la piazza.En: Just then, the music of a street guitarist filled the square.It: Una melodia allegra e invitante.En: A cheerful and inviting melody.It: Una giovane coppia cominciò a ballare, spontanea e senza preoccupazioni, ridendo e girando.En: A young couple began to dance, spontaneous and carefree, laughing and twirling.It: L'energia del momento colpì Gianni come un fulmine.En: The energy of the moment hit Gianni like a lightning bolt.It: Era questo!En: This was it!It: Questa era Piazza Navona: una miscela di vita, amore e libertà.En: This was Piazza Navona: a blend of life, love, and freedom.It: Con nuova determinazione, Gianni tornò alla sua tela.En: With new determination, Gianni returned to his canvas.It: Il pennello si muoveva con sicurezza, guidato dai ricordi appena assorbiti.En: The brush moved confidently, guided by the memories he had just absorbed.It: Dipinse la coppia danzante, le risate nei loro occhi, le luci della piazza che li avvolgevano.En: He painted the dancing couple, the laughter in their eyes, the lights of the square enveloping them.It: Ogni pennellata era una parte del suo cuore.En: Each brushstroke was a piece of his heart.It: Quando il sole cominciò a calare, il quadro era finito.En: When the sun began to set, the painting was finished.It: Gianni lo guardò con orgoglio.En: Gianni looked at it with pride.It: Aveva catturato l'essenza di quel momento e nel farlo, aveva trovato anche la sua fiducia.En: He had captured the essence of that moment and in doing so, had found his confidence too.It: Marcella si avvicinò e annuì, soddisfatta.En: Marcella approached and nodded, satisfied.It: "È meraviglioso, Gianni.En: "It's wonderful, Gianni.It: Sei riuscito a capirlo."En: You've managed to understand it."It: Sorriso, Gianni si voltò verso Lorenzo.En: Smiling, Gianni turned to Lorenzo.It: "Forse avevi ragione," disse, "Potevo farcela dopo tutto."En: "Maybe you were right," he said, "I could do it after all."It: Mentre la giornata finiva, una nuova sicurezza brillava negli occhi di Gianni.En: As the day ended, a new confidence shined in Gianni's eyes.It: Piazza Navona non era solo un quadro per lui, ma un inizio.En: Piazza Navona was not just a painting for him, but a beginning.It: Un inizio in cui il vero artista dentro di lui aveva trovato la sua voce.En: A beginning where the true artist inside him had found his voice. Vocabulary Words:the sunlight: la luce del solethe pavement: il pavimentothe works: le opereto snap photos: scattare fotothe canvas: la telathe doubts: i dubbithe shoulder: la spallathe heart: il cuorethe brush: il pennelloto wander: girarethe emotion: l'emozionea break: una pausathe child: il bambinothe gentlemen: i signorithe elderly couple: la coppia di anzianithe painter: l'artistathe guitarist: il chitarristathe melody: la melodiathe moment: il momentothe lightning bolt: il fulminethe blend: la miscelathe confidence: la fiduciato twirl: girarethe laughter: le risatethe lights: le lucithe brushstroke: la pennellatathe pride: l'orgoglioto nod: annuirethe voice: la vocethe beginning: l'inizio

Fluent Fiction - Serbian: Courage in the Snow: A High School Hero's Test of Life Find the full episode transcript, vocabulary words, and more:fluentfiction.com/sr/episode/2026-01-20-08-38-20-sr Story Transcript:Sr: Зима је забелила школско двориште, а сурови ветар чинио је да се свака улица чини као истински изазов.En: Winter had blanketed the školsko dvorište (schoolyard) with snow, and the harsh wind made every street feel like a real challenge.Sr: Међутим, у пространим и увек врвим ходницима средње школе, топло је и гужва од омладинаца који се смеју и журе да стигну на часове.En: However, in the spacious and always bustling hallways of the srednja škola (high school), it was warm and crowded with young people laughing and hurrying to get to their classes.Sr: У гомили је био Милан, матурант.En: In the crowd was Milan, a senior.Sr: Његова коса била је скривена испод црне капе, а поглед му је био као да тражи нешто далеко у будућности, нешто што га је читавог држало у напетости.En: His hair was hidden under a black cap, and his gaze looked as if he were searching for something far off in the future, something that kept him in constant tension.Sr: Поред њега је корачала Јована, његова дугогодишња пријатељица.En: Beside him walked Jovana, his long-time friend.Sr: Њена огромна марама облепљивала ју је као ћебе.En: Her enormous scarf wrapped around her like a blanket.Sr: Видело се да је забринута, али је својом обичном добродушном природом увек успевала да одахне свакоме ко би јој пришао.En: She looked worried, but her naturally kind nature always managed to put at ease anyone who approached her.Sr: Тек што су прошли кроз једну широку улазну врата, зачуше вапаје за помоћ.En: Just as they passed through one wide entrance door, they heard cries for help.Sr: Јована је изненада стала, лице јој побледе као снег.En: Jovana suddenly stopped, her face turning pale as the snow.Sr: "О, не!" завика Милан, хватајући Јовану за руку да је задржи.En: "Oh, no!" shouted Milan, grabbing Jovana by the hand to steady her.Sr: "Орашасти плодови," прошапта она слабо.En: "Oraashti plodovi," she whispered weakly.Sr: "Нисам знала..."En: "I didn't know..."Sr: Милановом срцу је убрзало.En: Milan's heart raced.Sr: Знао је за њену алергију, али никада није мислио да ће му требати оволико хладне главе.En: He knew about her allergy, but he never thought he would need to stay so calm.Sr: Свет око њега одједном је постао замагљен, а време се чинило успореним.En: The world around him suddenly became blurred, and time seemed to slow down.Sr: "Треба ти ЕпиПен," рекао је, али су му речи биле промукле.En: "You need an EpiPen," he said, but his words came out hoarse.Sr: Јована је успела да климне главом, али њено дисање је било све теже.En: Jovana managed to nod, but her breathing was becoming more difficult.Sr: "Милан," рекла је тихо, очима пуним панике.En: "Milan," she said softly, her eyes full of panic.Sr: "Немам више времена."En: "I don't have much time."Sr: Милан је знао шта мора да уради.En: Milan knew what he had to do.Sr: Али, да ли је могао?En: But could he do it?Sr: Да ли је био довољно способан да то уради?En: Was he capable enough to handle it?Sr: На крају, одлука је пала.En: In the end, the decision was made.Sr: Знао је да не може чекати медицинску сестру.En: He knew he couldn't wait for the nurse.Sr: Његове руке су дрхтале док је извадио ЕпиПен из Јованине торбе.En: His hands trembled as he took the EpiPen out of Jovana's bag.Sr: Свако одлагање могло је бити кобно.En: Any delay could be fatal.Sr: Милан удахну дубоко и пробијањем слободног рукава, лагано је, али чврсто, притиснуо ЕпиПен уз њену ногу.En: Milan took a deep breath and, pushing aside a free sleeve, slowly but firmly pressed the EpiPen against her leg.Sr: Јована затвори очи, лице јој се полако ослобађало тензије док је лек почео деловати.En: Jovana closed her eyes, her face slowly relaxing as the medication began to take effect.Sr: Све се одвијало само пар секунда али њему се чинило као вечност.En: It all happened in just a few seconds, but it felt like an eternity to him.Sr: Убрзо су пристигли медицински техничари и преузели Јовану.En: Soon, the medical technicians arrived and took over Jovana.Sr: Милан је остао у месту, окружен хаосом, али некакав мир пронађен је у његовом срцу.En: Milan stood still, surrounded by chaos, yet a sense of peace was found in his heart.Sr: Када су расходи почели враћати се у своје нормално стање, Милан је осетио како га неколико ученика тапше по рамену, хвалећи његову брзу реакцију.En: As things began to return to normal, Milan felt several students pat him on the shoulder, praising his quick reaction.Sr: Јована се захвално насмешила из носила.En: Jovana smiled gratefully from the stretcher.Sr: Са овим догађајем, Милан је спознао нешто о себи.En: Through this event, Milan learned something about himself.Sr: У том тренутку, схватио је да је успео положити прави испит живота.En: In that moment, he realized he had passed a true test of life.Sr: Осећао се да и на највеће проблеме може реаговати смирено и храбро.En: He felt that he could respond calmly and courageously to even the greatest problems.Sr: Знао је да, без обзира на недоумице које га муче о будућности, има снаге у себи да буде вођа и ослонац, како себи тако и другима.En: He knew that, regardless of the uncertainties bothering him about the future, he had the strength within him to be a leader and support both for himself and others.Sr: Зима се изненада учини знатно топлијом.En: Suddenly, winter seemed much warmer. Vocabulary Words:blanketed: забелилаharsh: суровиspacious: пространимbustling: врвимgaze: погледsteadied: задржиhoarse: промуклеtrembled: дрхталеblurry: замагљенurgent: одлагањеeternity: вечностtechnicians: техничариstreets: улицеpat: тапшеpale: побледеdeceptively: ослободитиallergy: алергијуmedication: лекdecision: одлукаblurred: замагљенworry: забринутаnaturally: обичномbothering: мучеrealized: схватиоleader: вођаsupport: ослонацconstant: читавогrelaxed: ослободилаchallenge: изазовencounter: одвијало

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Fluent Fiction - Danish: How Nyhavn's Magic Brought Creativity Back to Life Find the full episode transcript, vocabulary words, and more:fluentfiction.com/da/episode/2026-01-11-23-34-02-da Story Transcript:Da: Det var en kold vinterdag i Nyhavn.En: It was a cold winter day in Nyhavn.Da: Snedyner dækkede de farverige huse, der spejlede sig i vandet.En: Snowdrifts covered the colorful houses, which reflected in the water.Da: Freja trak halstørklædet tættere om halsen.En: Freja pulled her scarf tighter around her neck.Da: Hun følte sig tom og uden inspiration.En: She felt empty and uninspired.Da: Hendes skitseblok var hvid som sneen omkring hende.En: Her sketchbook was as white as the snow around her.Da: "Måske," tænkte hun, "kan en tur i Nyhavn give mig nyt mod."En: "Maybe," she thought, "a walk in Nyhavn will give me new courage."Da: Lars var også i Nyhavn denne dag.En: Lars was also in Nyhavn that day.Da: Han var journalist og ledte efter en unik historie.En: He was a journalist looking for a unique story.Da: Hans deadline nærmede sig, og han havde stadig intet.En: His deadline was approaching, and he still had nothing.Da: "Måske findes mit svar her," sagde han til sig selv, mens han gik langs kajen.En: "Maybe my answer is here," he said to himself as he walked along the quay.Da: De mødtes ved en lille café.En: They met at a small café.Da: Der var få gæster indenfor.En: There were few guests inside.Da: Stearinlys skabte en varm stemning, der stod i kontrast til kulden udenfor.En: Candlelight created a warm atmosphere, contrasting with the cold outside.Da: Freja satte sig ved et vinduesbord med udsigt mod havnen.En: Freja sat at a window table with a view of the harbor.Da: Hun tog sin skitseblok frem, stadig tom.En: She took out her sketchbook, still blank.Da: Lars så Freja ved bordet.En: Lars saw Freja at the table.Da: Hun virkede koncentreret, men også lidt frustreret.En: She seemed focused but also a bit frustrated.Da: Han tog mod til sig og spurgte: "Undskyld, må jeg sætte mig?En: He gathered his courage and asked, "Excuse me, may I sit down?Da: Jeg leder efter noget inspiration."En: I'm looking for some inspiration."Da: Freja smilede svagt.En: Freja smiled faintly.Da: "Selvfølgelig," sagde hun.En: "Of course," she said.Da: "Jeg søger også inspiration."En: "I'm also seeking inspiration."Da: De begyndte at tale.En: They began to talk.Da: Freja fortalte om sin blokering.En: Freja spoke about her block.Da: Hun havde brug for en ny gnist.En: She needed a new spark.Da: Lars delte sin kamp med en historie uden form.En: Lars shared his struggle with a story without form.Da: De opdagede, at deres rejser måske kunne hjælpe hinanden.En: They discovered that their journeys might be able to help each other.Da: Lars foreslog: "Hvad med at tegne, mens vi taler om vores historier?"En: Lars suggested, "How about drawing while we talk about our stories?"Da: Freja nikkede.En: Freja nodded.Da: Hendes blyant begyndte at danse over papiret, mens hun lyttede til Lars.En: Her pencil began to dance over the paper as she listened to Lars.Da: Han beskrev Nyhavn, dens mennesker, dens liv gennem tiden.En: He described Nyhavn, its people, its life through the ages.Da: Der var en magi i hans ord.En: There was a magic in his words.Da: "Jeg ser det," sagde Freja pludselig.En: "I see it," Freja suddenly said.Da: "Jeg ser billederne nu."En: "I see the pictures now."Da: Hendes skitse blev levende, fyldt med farver og liv.En: Her sketch became lively, filled with colors and life.Da: Lars bemærkede glæden tilbage i hendes øjne.En: Lars noticed the joy returning to her eyes.Da: I den samme aften skrev Lars om Frejas kamp og sejr.En: That same evening, Lars wrote about Freja's struggle and triumph.Da: Ikke blot som en kunstners rejse, men som den menneskelige ånds styrke.En: Not just as an artist's journey, but as the strength of the human spirit.Da: Freja fandt sin vej tilbage til kunsten.En: Freja found her way back to art.Da: Hendes illustrationer blev publiceret, og Lars' artikel blev en succes.En: Her illustrations were published, and Lars' article was a success.Da: De gik ofte ture i Nyhavn derefter, altid på udkig efter nye historier og nye billeder.En: They often went for walks in Nyhavn afterward, always looking for new stories and new images.Da: Winteren virkede ikke længere kold, når de delte det sammen.En: Winter no longer seemed cold when they shared it together.Da: Frejas selvtillid voksede, og Lars lærte at finde skønhed i hverdagens øjeblikke.En: Freja's confidence grew, and Lars learned to find beauty in everyday moments.Da: Nyhavn blev deres sted, hvor inspiration og historier mødtes.En: Nyhavn became their place, where inspiration and stories met. Vocabulary Words:snowdrifts: snedynerreflected: spejledesketchbook: skitseblokuninspired: uden inspirationquay: kajencandlelight: stearinlysjournalist: journalistdeadline: deadlinegathered: tog mod til siginspiration: inspirationfocused: koncentreretfrustrated: frustreretstirring: gniststruggle: kamptriumph: sejrstrength: styrkeillustrations: illustrationerpublished: publiceretsuccess: succesconfidence: selvtillidbeauty: skønhedmagic: magidescribed: beskrevblank: tomconcentrated: fokuseretstories: historieratmosphere: stemningharbor: havnlively: levendecontrasting: kontrast

Are you feeling stuck and ready for life to look different in 2026?In this powerful and inspiring episode of Health Up, Michelle Chung shares her remarkable journey of healing, personal transformation, and manifesting love without dating. After facing chronic pain and a major life pivot, Michelle discovered how self-mastery, stillness, and reflection can help rewrite limiting beliefs and realign you with your soul purpose.This conversation is for anyone navigating midlife changes, healing challenges, or a desire to create a more intentional and fulfilling future.✨ In This Episode, You'll Learn:How to pivot your life and create a new chapter with clarityWhy silence and reflection are essential for intuition and growthHow limiting beliefs are formed—and how to reprogram themMichelle's proven approach to manifesting love without datingPractical tips to set meaningful, aligned goals for 2026

Fluent Fiction - Italian: Tuscan Hills Revival: How a Festival Brought a Library to Life Find the full episode transcript, vocabulary words, and more:fluentfiction.com/it/episode/2025-11-15-23-34-02-it Story Transcript:It: Nel cuore delle colline toscane, c'era una piccola biblioteca comunale.En: In the heart of the Tuscan hills, there was a small public library.It: Era un edificio di pietra, antico e affascinante, circondato da vigneti e uliveti che, in autunno, assumevano i colori del rame e dell'oro.En: It was an ancient and charming stone building, surrounded by vineyards and olive groves that, in autumn, took on the colors of copper and gold.It: La biblioteca si trovava proprio in cima a una collina, dove il sole pomeridiano filtrava attraverso le finestre ad arco, illuminando gli scaffali di libri.En: The library was located right at the top of a hill, where the afternoon sun filtered through the arched windows, illuminating the bookshelves.It: Giulia, la bibliotecaria, osservava con preoccupazione la sala quasi vuota.En: Giulia, the librarian, watched with concern the nearly empty room.It: Il prossimo mese si sarebbe tenuto un festival del libro regionale.En: Next month a regional book festival would be held.It: Era l'occasione perfetta per rilanciare la biblioteca e attirare nuovi visitatori.En: It was the perfect opportunity to rejuvenate the library and attract new visitors.It: Ma c'era un problema: il budget era limitato e le risorse scarse.En: But there was a problem: the budget was limited and resources were scarce.It: "Manca poco e dobbiamo preparare tutto," disse Giulia, fissando il calendario.En: "Not much time left and we need to prepare everything," said Giulia, looking at the calendar.It: Alessio, un autore del posto, la raggiunse con passo incerto.En: Alessio, a local author, joined her with an uncertain step.It: Il suo primo romanzo era appena stato pubblicato, ma il dubbio sulle sue capacità lo tormentava.En: His first novel had just been published, but doubts about his abilities tormented him.It: "Pensi davvero che qualcuno voglia ascoltare i miei scritti?"En: "Do you really think anyone wants to listen to my writings?"It: chiese Alessio, il timore evidente nel tono della sua voce.En: asked Alessio, the fear evident in the tone of his voice.It: Accanto a loro, Martina, l'assistente giovane e vivace della biblioteca, sognava ad occhi aperti.En: Next to them, Martina, the library's young and lively assistant, was daydreaming.It: "Possiamo fare qualcosa di diverso quest'anno," suggerì con entusiasmo.En: "We can do something different this year," she suggested enthusiastically.It: "Interviste dal vivo, letture interattive... qualcosa che attiri le famiglie e i giovani!"En: "Live interviews, interactive readings... something that attracts families and young people!"It: Giulia inizialmente esitò.En: Giulia initially hesitated.It: Le idee di Martina erano nuove e audaci.En: Martina's ideas were new and bold.It: Ma sapeva che serviva innovazione.En: But she knew that innovation was needed.It: "Proviamo, non abbiamo nulla da perdere," disse infine, con un sorriso deciso.En: "Let's try, we have nothing to lose," she finally said, with a determined smile.It: Il giorno dell'incontro con il consiglio del villaggio, il sole autunnale risplendeva forte.En: On the day of the meeting with the village council, the autumn sun shone brightly.It: Alessio, con il cuore in gola, si preparava a leggere un brano del suo libro.En: Alessio, with his heart in his throat, prepared to read an excerpt from his book.It: Si sistemò davanti al pubblico, i nervi a fior di pelle, ma quando cominciò a leggere, la sua voce divenne ferma e chiara.En: He stood in front of the audience, nerves on edge, but when he started to read, his voice became steady and clear.It: Le parole risuonavano tra le pareti di pietra, catturando l'attenzione di tutti.En: The words resonated between the stone walls, capturing everyone's attention.It: Al termine della lettura, un applauso spontaneo riempì la stanza.En: At the end of the reading, spontaneous applause filled the room.It: Il consiglio, impressionato, acconsentì a sostenere il festival.En: The council, impressed, agreed to support the festival.It: La comunità intera sembrò rivalutare la piccola biblioteca, vedendo nel festival un'opportunità unica.En: The entire community seemed to reevaluate the small library, seeing in the festival a unique opportunity.It: Quando il festival finalmente giunse, fu un grande successo.En: When the festival finally arrived, it was a great success.It: La biblioteca si riempì di visitatori curiosi e appassionati di lettura.En: The library filled with curious visitors and book lovers.It: Le idee di Martina portarono un'aria nuova e Alessio ricevette molti complimenti, riscoprendo la fiducia nella propria scrittura.En: Martina's ideas brought a new atmosphere and Alessio received many compliments, rediscovering confidence in his writing.It: Dopo il festival, il numero di visitatori alla biblioteca aumentò notevolmente.En: After the festival, the number of visitors to the library increased significantly.It: Giulia si sentiva finalmente sollevata, e la sua fiducia crebbe.En: Giulia finally felt relieved, and her confidence grew.It: Martina si era guadagnata il rispetto, e Alessio, ora, non vedeva l'ora di scrivere il suo prossimo libro.En: Martina earned respect, and Alessio was now eager to write his next book.It: La piccola biblioteca sulle colline toscane era tornata a vivere, illuminata non solo dal sole autunnale, ma anche dalle nuove prospettive e dall'entusiasmo della comunità.En: The small library on the Tuscan hills had come back to life, illuminated not only by the autumn sun but also by the new perspectives and enthusiasm of the community. Vocabulary Words:heart: il cuorehill: la collinaancient: anticovineyard: il vignetoolive grove: l'ulivetosurrounded: circondatocharming: affascinantefloor: il pavimentoarch: l'arcobook festival: il festival del librobudget: il budgetresource: la risorsaconcern: la preoccupazionelibrarian: la bibliotecariaauthor: l'autoreabilities: le capacitàdoubt: il dubbiowriting: la scritturaenthusiastically: con entusiasmoinnovation: l'innovazionedetermined: decisospeech: il discorsoexcerpt: il branoapplause: l'applausocouncil: il consiglioconfidence: la fiduciaperspective: la prospettivasuccess: il successovisitor: il visitatorespontaneous: spontaneo

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 A CHILD OF GOD. Yet to all who received Him, to those who believed in His Name, He gave the right to become children of God-- children born not of natural descent, nor of human decision or a husband's will, but born of God. John 1:12f 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: “My Grace is Sufficient” at our Website: https://awordfromthelord.org/listen/    DONATE TO AWFTL: https://mygiving.secure.force.com/GXDonateNow?id=a0Ui000000DglsqEAB

Fluent Fiction - Hebrew: High Stakes: The Gamble That Changed Noa's Life Find the full episode transcript, vocabulary words, and more:fluentfiction.com/he/episode/2025-10-31-07-38-20-he Story Transcript:He: בתוך החדר האפלולי והמלא עשן במועדון תל אביבי, השולחן סביבו ישבו נועה וארי היה במרכז העניינים.En: In the dim, smoke-filled room of a Tel Avivian club, the table around which Noa and Ari sat was at the center of attention.He: החדר היה מלא בריח מתוק של משקאות הסתיו, אנשים לחשו והצ'יפים הקליקו בנעימות.En: The room was filled with the sweet scent of autumn drinks, people whispered, and the chips clicked pleasantly.He: הרקע המוזר הזה דווקא הקנה תחושת אינטימיות לכולם, אבל המתח דווקא גבר ככל שהמשחק התקדם.En: This peculiar backdrop actually granted an intimate feeling to everyone, but the tension increased as the game progressed.He: נועה, מתכנתת מוכשרת ומעט שקטה, הביטה בארי, מנהל מוצר מלא כריזמה.En: Noa, a talented and somewhat quiet programmer, looked at Ari, a charismatic product manager.He: היא הייתה צריכה לנצח, היה לה חוב שנערם וזו הייתה ההזדמנות שלה להוכיח את עצמה.En: She needed to win; she had accumulated debt and this was her chance to prove herself.He: ארי, מנגד, נהנה מההתרגשות שבקריאת פני המתמודדים מולו, ובמיוחד הפעם הזו.En: Ari, on the other hand, enjoyed the thrill of reading the expressions of the opponents around him, especially this time.He: הסתיו, עם רוחותיו הקרירות, בדיוק הביא את ליל כל הקדושים.En: Autumn, with its chilly winds, had just brought Halloween.He: אף שכאן לא חלפו בבתים לאסוף ממתקים, התחפושות היוו תירוץ מושלם למסיבה קלילה במועדון.En: Although here no one went door-to-door collecting sweets, the costumes provided the perfect excuse for a light-hearted party at the club.He: כולם הסתובבו מחופשים – כמו פרקים מתוך סרטים.En: Everyone moved around in disguises—like scenes from movies.He: המשחק התנהל הייתה ביניהם כמו ריקוד, כשהדילר מחלק את הקלפים, וארי מעלה את ההימור.En: The game was like a dance between them, with the dealer dealing the cards, and Ari raising the stakes.He: "את לא משחקת בטוח, נועה," הוא העיר, מה שהוסיף לקהל סביבם שתיקות מלאות מתח.En: "You're not playing it safe, Noa," he remarked, adding to the tension-filled silence of the crowd around them.He: נועה נשמה עמוק.En: Noa took a deep breath.He: היא ידעה שהיא חייבת לקחת סיכון.En: She knew she had to take a risk.He: רגע האמת הגיע, והיא בחרה ללכת עם הלב.En: The moment of truth had come, and she chose to follow her heart.He: היא העלתה את ההימור ככל שביכולתה, יד רועדת מעט כשהניחה את כל הצ'יפים במרכז השולחן.En: She raised the stakes as much as she could, her hand trembling slightly as she placed all the chips in the center of the table.He: ארי הרצין, מסתכל על הקלפים ואחר כך על פניה של נועה, מנסה לפענח את כוונותיה.En: Ari grew serious, looking at the cards and then at Noa's face, trying to decipher her intentions.He: בסופו של דבר, הוא הציב את הקלפים בצד וקרא להימור שלה.En: In the end, he laid his cards aside and called her bet.He: "בואי נראה מה יש לך," הוא אמר, חיוך קלווילי על פניו.En: "Let's see what you've got," he said, a sly smile on his face.He: נועה חייכה, חושפת את הקלפים שלה.En: Noa smiled, revealing her cards.He: סדרה!En: A flush!He: ארי הופתע, השתקפות של הערכה ניבטה בעיניו.En: Ari was surprised, a reflection of admiration in his eyes.He: "וואו, נועה, את באמת מדהימה!En: "Wow, Noa, you're truly amazing!"He: " הוא אמר בהוקרה.En: he said appreciatively.He: באותו רגע, נועה חשה שינוי בתוכה.En: At that moment, Noa felt a shift within her.He: היא הצליחה.En: She succeeded.He: היא ניצחה.En: She won.He: לא רק במשחק הפוקר, אלא בסיפור האישי שלה על ביטחון עצמי ויכולת לקחת סיכונים.En: Not just in the poker game, but in her personal story of self-confidence and the ability to take risks.He: עכשיו ידעה שהיא לא רק מתכנתת טובה, אלא גם מישהי שיודעת לשחק את המשחק של החיים.En: Now she knew she was not just a good programmer, but also someone who knew how to play the game of life. Vocabulary Words:dim: אפלוליwhispered: לחשוpeculiar: מוזרintimate: אינטימיותtension: מתחcharismatic: כריזמהaccumulated: נערםopponents: מתמודדיםdisguises: מחופשיםstakes: הימורremarked: העירtrembling: רועדתdecipher: לפענחintentions: כוונותsly: קלוויליadmiration: הערכהshift: שינויself-confidence: ביטחון עצמיcenter of attention: מרכז הענייניםgranted: הקנהthrill: התרגשותexpressions: פניexcuse: תירוץlight-hearted: קלילהdealer: דילרtruth: אמתreveal: חושפתflush: סדרהappreciatively: בהוקרהprove: להוכיחBecome a supporter of this podcast: https://www.spreaker.com/podcast/fluent-fiction-hebrew--5818690/support.

Fluent Fiction - French: A Birthday Surprise Rewrites the Rules of Science and Life Find the full episode transcript, vocabulary words, and more:fluentfiction.com/fr/episode/2025-10-22-22-34-02-fr Story Transcript:Fr: L'air était frais dans le laboratoire secret d'Étienne.En: The air was fresh in Étienne's secret laboratory.Fr: L'automne colorait les feuilles dehors, mais à l'intérieur, tout était concentré sur la science.En: Autumn was coloring the leaves outside, but inside, everything was focused on science.Fr: Des machines bourdonnaient, des écrans éclataient de chiffres lumineux, et Étienne était à son poste habituel, analysant des données cruciales.En: Machines buzzed, screens burst with glowing numbers, and Étienne was at his usual station, analyzing crucial data.Fr: Cécile, fidèle amie et collègue, l'observait avec tendresse.En: Cécile, a faithful friend and colleague, watched him with affection.Fr: Elle savait à quel point ce projet signifiait pour lui.En: She knew how much this project meant to him.Fr: Étienne voulait prouver sa valeur, faire une découverte révolutionnaire.En: Étienne wanted to prove his worth and make a groundbreaking discovery.Fr: Mais elle se souvenait aussi de l'autre événement important : l'anniversaire d'Étienne approchait.En: But she also remembered another significant event: Étienne's birthday was approaching.Fr: Alors, avec la collaboration de Jacques, son mentor respecté, elle avait préparé quelque chose de spécial.En: So, with the help of Jacques, his respected mentor, she had prepared something special.Fr: Une après-midi, alors que le soleil déclinait, Étienne était plongé dans ses calculs.En: One afternoon, as the sun was setting, Étienne was engrossed in his calculations.Fr: Il voulait travailler tard, comprendre ces derniers résultats.En: He wanted to work late, to understand those final results.Fr: Mais Jacques, avec son sourire sage, proposa une pause.En: But Jacques, with his wise smile, suggested a break.Fr: « Étienne, viens boire un café.En: "Étienne, come have a coffee.Fr: Il faut s'aérer l'esprit.En: You need to clear your mind."Fr: » Étienne hésita.En: Étienne hesitated.Fr: Un instant, il pensa refuser, emporté par son désir de comprendre.En: For a moment, he thought of refusing, carried away by his desire to understand.Fr: Mais un appel au repos le tira.En: But a call to rest pulled him.Fr: Il acquiesça finalement, posant son stylo.En: He finally agreed, setting his pen down.Fr: Lorsqu'il ouvrit la porte du laboratoire, une surprise l'attendait.En: When he opened the laboratory door, a surprise awaited him.Fr: Cécile, Jacques, et plusieurs collègues étaient réunis.En: Cécile, Jacques, and several colleagues were gathered.Fr: Des ballons flottaient au-dessus des tables, et une pancarte joyeuse disait « Joyeux Anniversaire, Étienne !En: Balloons floated above the tables, and a joyful banner read "Happy Birthday, Étienne!"Fr: » Ému, Étienne resta d'abord sans voix.En: Moved, Étienne was initially speechless.Fr: Puis, un sourire s'étira sur son visage.En: Then, a smile spread across his face.Fr: Les rires et les chants emplirent la pièce.En: Laughter and songs filled the room.Fr: Cécile lui tendit un gâteau, ses yeux brillants de complicité.En: Cécile handed him a cake, her eyes shining with camaraderie.Fr: « Surprise !En: "Surprise!"Fr: » dit-elle, et Étienne ne put que rire avec tout le monde.En: she said, and Étienne could only laugh with everyone.Fr: Cette soirée-là, au lieu de conquérir des théorèmes, il s'ouvrit au plaisir simple d'être entouré de ceux qui se souciaient de lui.En: That evening, instead of conquering theorems, he opened himself to the simple pleasure of being surrounded by those who cared for him.Fr: Le laboratoire secret, ce lieu de mystère et de science, devint un théâtre de chaleur humaine et de joie.En: The secret laboratory, this place of mystery and science, became a theater of human warmth and joy.Fr: En regardant ses amis, Étienne comprit l'importance de ce moment.En: Looking at his friends, Étienne understood the importance of this moment.Fr: La science attendrait.En: Science could wait.Fr: Aujourd'hui, il célébrait la vie.En: Today, he celebrated life.Fr: Le lendemain, en revenant à son travail, il était différent.En: The next day, returning to his work, he was different.Fr: Il avait appris que même les plus brillantes découvertes avaient besoin d'une lumière humaine pour vraiment briller.En: He had learned that even the brightest discoveries needed a human light to truly shine.Fr: Il poursuivrait son rêve, mais jamais au détriment de ces précieux moments partagés.En: He would pursue his dream, but never at the expense of those precious shared moments.Fr: En cette nuit automnale, Étienne avait trouvé un équilibre précieux entre passion et amitié.En: On that autumn night, Étienne had found a precious balance between passion and friendship. Vocabulary Words:the air: l'airfresh: fraisthe laboratory: le laboratoireautumn: l'automneto color: colorerthe leaves: les feuillesto focus: se concentrerthe machine: la machineto buzz: bourdonnerto burst: éclaterthe screen: l'écrancrucial: crucialthe colleague: le collèguefaithful: fidèletenderness: la tendressethe project: le projetthe worth: la valeurgroundbreaking: révolutionnairethe mentor: le mentorwise: sageto hesitate: hésiterto refuse: refuserto pull: tirerthe calculations: les calculsthe coffee: le caféto clear one's mind: s'aérer l'esprita surprise: une surprisethe cake: le gâteaucamaraderie: la complicitéto conquer: conquérir

What did you love doing when you were 10 years old? Broadcaster Greg James reckons we all need to prioritise fun and silliness more, and thinking about your childhood passions is a great place to start.In this chat, Fearne and Greg talk about how bleak, boring, and anxiety-inducing being a responsible grown up can be sometimes, and why that means it's vital to choose to laugh every day.Greg also explains why it's important to stop and ask yourself if you really want to get married, have kids, or earn lots of money, or if you're sleepwalking into someone else's vision of a perfect life.Plus, why did 21 year old Greg think he had a chance with Fearne when he first arrived at Radio 1...?Greg's book, All The Best For The Future, is out now.If you liked this episode of Happy Place, you might also like:Scott MillsNick GrimshawAnnie Mac Hosted on Acast. See acast.com/privacy for more information.

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 A CHILD OF GOD. Yet to all who received Him, to those who believed in His Name, He gave the right to become children of God-- children born not of natural descent, nor of human decision or a husband's will, but born of God. John 1:12f 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: “Jesus in Prayer” at our Website: https://awordfromthelord.org/listen/    DONATE TO AWFTL: https://mygiving.secure.force.com/GXDonateNow?id=a0Ui000000DglsqEAB

In this solo episode, Ben Azadi reveals the science-backed benefits of a 72-hour water fast and why day 3 is the key to burning dangerous visceral fat.  He walks through what happens at every stage of the fast — from increased human growth hormone and ketone production to stem cell regeneration and a dopamine reset.  Ben also shares who should avoid long fasts, how to break a fast correctly, and answers the most common fasting questions. Resources Mentioned: Free 30-day belly fat plan: https://bit.ly/4l5CdLu  Metabolic Freedom Book + Tour Dates: http://benazadi.com/events  Beam Minerals: https://www.beamminerals.com/?oid=1&affid=549 20% off with code “KETOKAMP” Purity Coffee: http://ketokampcoffee.com Use code "KETOKAMP" for 15% off Equip Protein: http://equipfoods.com/benazadi Use code "BENAZADI" for 20% off Kettle & Fire Bone Broth:  https://www.kettleandfire.com/?afmc=ketokamp  use code "KETOKAMP" Fasting Apps: Zero, LIFE

In this solo episode, Ben Azadi reveals the science-backed benefits of a 72-hour water fast and why day 3 is the key to burning dangerous visceral fat.  He walks through what happens at every stage of the fast — from increased human growth hormone and ketone production to stem cell regeneration and a dopamine reset.  Ben also shares who should avoid long fasts, how to break a fast correctly, and answers the most common fasting questions. Resources Mentioned: Free 30-day belly fat plan: https://bit.ly/4l5CdLu  Metabolic Freedom Book + Tour Dates: http://benazadi.com/events  Beam Minerals: https://www.beamminerals.com 20% off with code “KETOKAMP” Purity Coffee: http://ketokampcoffee.com Use code "KETOKAMP" for 15% off Equip Protein: http://equipfoods.com/benazadi Use code "BENAZADI" for 20% off Fasting Apps: Zero, LIFE

EVEN MORE about this episode!What if your past lives are the key to unlocking the challenges you face today? Join us for a mind-expanding episode with Tianna Roser, Reiki Master, hypnotist, and spiritual author, as we explore the hidden truths of the soul's journey. From healing trauma through past life regression to revealing soul contracts that shape your relationships, Tianna shares powerful insights and real-life stories—including how a skeptical Texas rancher became a Reiki believer!You'll hear how she traded corporate life for a higher calling and discover the divine design behind names, patterns, and your soul's purpose. Get ready to rethink everything you thought you knew about healing, destiny, and the power of energy. This episode will leave you inspired to explore your true self and the unseen forces guiding your life.Guest Biography:Tianna Roser is an Usui Reiki Master Teacher, certified clinical hypnotist, and author specializing in Past Life Regression, Life Between Lives, and Quantum Healing Hypnosis Technique (QHHT). Through her work, she guides others to connect with their true self—the source of deep healing and transformation.She's the author of Awakening Transformation: A Beginner's Guide to Becoming Your Higher Self, a practical guide to spiritual growth, and the host of the Beyond the Illusion Podcast, which explores mystical, ancient, and hidden spiritual wisdom.Episode Chapters:(0:00:01) - Exploring Past Lives and Inner Realms(0:10:13) - The Power of Usui Reiki Healing(0:26:07) - Healing Modalities and Metaphysical Practices(0:34:01) - Becoming a Vessel for Spirit(0:47:09) - Understanding Soul Plans and Past Lives➡️Subscribe to Ask Julie Ryan YouTube➡️Subscribe to Ask Julie Ryan Español YouTube➡️Subscribe to Ask Julie Ryan Português YouTube➡️Subscribe to Ask Julie Ryan Deutsch YouTube➡️Subscribe to Ask Julie Ryan Français YouTube✏️Ask Julie a Question!

Summer has arrived, and I'm taking a moment to look back at some of the most impactful episodes to date! I know this season brings a mix of relaxation and planning, especially for families navigating dyslexia. That's why I wanted to bring you our "Summer Rewind" series, a curated selection of previously aired episodes packed with valuable insights, practical strategies, and empowering advice to help you support your child's literacy journey through the warmer months and beyond. This episode, 7 Ways to Help the Dyslexic in Your Life Find and Give Themselves Grace, originally aired in March of 2024, and I hope you enjoy listening to it again (or for the first time)! 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. My Untangling Dyslexia: From Identification to IEP course walks you through every step of the identification and support process. I offer two options: the course itself, which gives you all the tools and templates you need to advocate for your child, or the course paired with a comprehensive literacy evaluation. Either way, you'll have a roadmap to follow instead of trying to figure everything out on your own, and you can learn more and apply now at https://www.literacyuntangled.com/continuethejourney! My brand-new mini-course, From Lost to Empowered: How to Get Your Struggling Reader: The 3-Step Evaluation Request Blueprint for Parents of Struggling Readers, is available now! This 3-step evaluation request blueprint walks you through everything you need to know, from documenting concerns with the right details to writing the evaluation request letter with language that triggers legal timelines, to handling what to do when schools try to push you off, and so much more. You can break through the barriers NOW and get instant access at https://www.literacyuntangled.com/from-lost-to-empowered. Topics Covered: Why giving yourself grace is crucial, especially for neurodivergent individuals [1:32] The key reasons that educating your child about dyslexia is the first and most important step [2:32] How parents can celebrate their child's unique talents and find activities where they truly shine, fostering confidence beyond academic challenges [4:12] Normalizing mistakes as a valuable perspective for both students and parents on embracing errors for growth [5:32] Key Takeaways It is crucial for both adults and dyslexic children to practice self-compassion and give themselves grace, understanding that struggles and mistakes are a normal part of life and learning. Educating dyslexic children about their unique way of thinking, focusing on their strengths, and normalizing mistakes are fundamental steps in empowering them and building their self-esteem. Parents and educators can significantly support dyslexic individuals by maintaining open communication, setting realistic expectations, and praising effort over just results. When you're ready to work with me, here are 3 ways I can help you: Join the waitlist to find out when my long-awaited course, Untangling Dyslexia: From Identification to IEP, opens up again! Subscribe to my Podcast Literacy Untangled Podcast for bimonthly episodes on navigating the dyslexia journey with your kid. Want 1:1 help from an Orton-Gillingham expert? Book a call to see how I help kids who are struggling to learn how to read. Have a question or want a certain topic covered? Send an email to jennie@literacyuntangled.com 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 or on your favorite podcast platform. Connect: - Visit my website - Sign up for my newsletter - Follow me on Instagram - Join me on Facebook

Quote of the Day: "What would you do if money was no object?" - Lewis HowesAudio Source: https://youtu.be/54iHHsucmt0?si=SpcwSbEyNGjX8vHgIf you enjoyed today's episode: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Leave a review on Apple Podcasts⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Support via Patreon⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Check Out My Business Adventures Podcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Join the Upcoming Newsletter

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: “Are You Filled with the Holy Spirit?” at our Website: https://awordfromthelord.org/listen/    DONATE TO AWFTL: https://mygiving.secure.force.com/GXDonateNow?id=a0Ui000000DglsqEAB

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

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

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

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.

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