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In this episode of the Industry Spotlight, joining host Sam D'Arc are Travis Siebert, SVP at DealerPay, and Kris Towle, Chief Accounting Officer at Niello Company to discuss why one of the auto industry's oldest processes, collecting cash and checks from parts and service customers, still costs dealerships money, time, and trust. They speak candidly about the safety risk of sending drivers out with cash, why most dealerships never question an outdated process until something goes wrong, and why live phone support, not just software, is what keeps a group this size from ever looking at another vendor. They explain: ◼ Why parts delivery drivers ended up doing accounting work they were never trained for ◼ How a single bounced check could cost a full week of chasing down payment ◼ Why missing cash on a delivery route became an uncomfortable question nobody wanted to ask ◼ Why the switch to mobile payments meant money was in the bank the very next morning ◼ Why Niello Company has never looked at another payments partner since making the switch This episode of the Car Dealership Guy Podcast is brought to you by DealerPay. Topics: 02:50 Fixed Ops Causes More Accounting Headaches. 04:30 Drivers Make Terrible Accountants. 05:50 Cash In Trucks Is A Theft Problem. 06:45 Selling Nationwide Hurts Local Retention. 09:50 Dealerships Are Slow To Adopt Digital Payments. 12:15 Onsite Training Eliminates Employee Pushback. 13:10 One-Person Payment Eliminates Customer Confusion. 14:20 Digital Reporting Shows Exactly Who Took Money. 17:05 Answering The Phone Beats AI Every Time. 18:50 Showing Up Matters More Than Technology. 22:50 Accounting Touches Every Part Of The Business. 23:50 Dennis Pushes Harder Than Tully Does. DealerPay - Dealer Pay is the payment platform built exclusively for car dealerships, connecting fixed ops, variable ops, and back office with sub-10-second, card-present transactions and automated reconciliation, whether it's at the counter, the service drive, or a mobile delivery. Visit @ here to see how it works for your dealership. Check out Car Dealership Guy's stuff: For dealers: CDG Circles ➤ https://cdgcircles.com/ Industry job board ➤ http://jobs.dealershipguy.com Dealership recruiting ➤ http://www.cdgrecruiting.com Fix your dealership's social media ➤ http://www.trynomad.co Request to be a podcast guest ➤ http://www.cdgguest.com For industry vendors: Advertise with Car Dealership Guy ➤ http://www.cdgpartner.com Industry job board ➤ http://jobs.dealershipguy.com Request to be a podcast guest ➤ http://www.cdgguest.com Car Dealership Guy Socials: X ➤ x.com/GuyDealership Instagram ➤ instagram.com/cardealershipguy/ TikTok ➤ tiktok.com/@guydealership LinkedIn ➤ linkedin.com/company/cardealershipguy Threads ➤ threads.net/@cardealershipguy Facebook ➤ facebook.com/profile.php?id=100077402857683 Everything else ➤ dealershipguy.com
Think London is too expensive for your travel budget? Think again. With the right strategy, you can experience this iconic European city without blowing your entire vacation budget. Carli Rasschaert from Adventures With Carli shares how to do London on a budget while still having an amazing trip. We're breaking down the biggest money mistakes travelers make in London, where to find better value on accommodations, how walkable the city really is, and how to enjoy some of London's best experiences for free. Connect with Carli Rasschaert Website: https://adventureswithcarli.com/ YouTube: https://www.youtube.com/@adventureswithcarli Instagram: @adventureswithcarliOther Episodes You'll Love Tips For Planning a Europe Trip For First-Timers - Episode 201Listen on Apple Podcasts Listen on Spotify Listen on Any Podcast Player Paris Travel Guide - Episode 205 Listen on Spotify Listen on Apple Podcasts Tell Me About YourselfHelp me improve the show with a short survey: https://thoughtcard.com/surveyConnect With Danielle Desir Corbett Website: www.thoughtcard.com Instagram: @thedaniellecorbettThreads: @thedaniellecorbettWork With Me:Email thethoughtcard@gmail.com for brand partnerships and business inquiries.Resources & Recommendations: ➡️ Find cheap flights from the U.S. and Canada with Thrifty Traveler Premium➡️ Sign up for a high-yield savings account with Ally Bank➡️ Sign up for Rakuten and earn $50 cash back on purchases➡️ Earn more points and miles from your credit card with CardPointersSupport the Show Directly:Support The Thought Card Podcast by leaving a rating and review in your favorite podcast app like Apple Podcasts or Spotify.Your feedback makes it easier for new listeners to discover our thoughtful conversations about travel, money, and building a life you love.If you enjoyed this episode, share it with a friend or family member.
Your financial statements say you're profitable... So why isn't there any money in the bank? In this episode, Dominic Rubino sits down with Fractional CFO Natalia Zacharin to explain one of the biggest financial mysteries business owners face. You'll learn: ✔️ The difference between profit and cash flow ✔️ Why profitable companies still struggle with cash ✔️ The hidden expenses that drain your bank account ✔️ How to improve project profitability ✔️ Why forecasting is critical for long-term success ✔️ When a Fractional CFO makes sense for your business If you're a contractor, entrepreneur, or business owner looking to improve your financial decision-making, this episode is packed with practical advice.
The removal of Nigeria's fuel subsidy was presented as a difficult but necessary economic reform. Nigerians were told that the money previously spent on subsidy would be freed up and redirected toward infrastructure, social investment, and other priorities that would benefit the nation.However, along the line, something went wrong. What happened to that money, the lifesaving national fortune?Did subsidy removal deliver the economic benefits Nigerians were promised? How much was actually saved, where was it spent, and did ordinary Nigerians see meaningful value from the funds that were supposedly freed up?In this episode of the Dr Reju Podcast, we examine the questions surrounding subsidy removal, public spending, accountability, and the growing gap between government promises and the lived reality of Nigerians.Watch the full episode and join the conversation.#DrRejuPodcast #SubsidyRemoval #Nigeria #FuelSubsidy #AccountabilityInGovernance #PublicMoney
[Verse 1]Pull up to the mansion, gates open wideEight million dollars sitting polished insideLamborghini screaming down an Orlando roadEverybody watching thought they cracked the codePrivate flights, bright lights, another VIPDowntown headquarters dressed in luxuryIf the man with your money lives better than kingsYou stop asking questions about how much it bringsThey weren't selling numbers, they were selling the viewSelling what a rich man's life could look like for youAnd every new investor looking in from belowSaw all of that money and thought, he must know[Pre-Chorus]But a photograph doesn't show you the debtAnd a supercar doesn't tell you who's paid yetWhen the music stops and the court doors closeThere's only one question everybody wants to know[Chorus]Where did the money go?Past the mansion gates and the private showThe cars looked rich, the offices glowedBut where did the money go?Where did the money go?Three hundred twenty-eight million through the flowStrip off the lifestyle, follow what they oweTell the victims —Where did the money go?[Verse 2]Then the federal papers landed on the deskAnd suddenly the picture didn't look its bestMortgage on the Phelps house, two million deepMore debts behind the properties they couldn't keepTaxes at Isleworth waiting to be paidAssociation bills underneath the charadeThe headquarters bought with no mortgage at allNow the government wants to put a price on the wallsAnd that Lamborghini everybody knewSix hundred twenty-five when the bidding was throughBut after secured interests took what they were owedTwenty thousand dollars was the government load[Pre-Chorus]That's the difference between the price and the truthBetween looking successful and showing the proofTake away the cameras, the parties, the showAnd we're back to the question everybody wants to know[Chorus]Where did the money go?Past the mansion gates and the private showThe cars looked rich, the offices glowedBut where did the money go?Where did the money go?Three hundred twenty-eight million through the flowStrip off the lifestyle, follow what they oweTell the victims —Where did the money go?[Verse 3]He talked about perception, he understood the gameWhere you live, what you drive, who remembers your nameFly private, look wealthy, let the image speakMake success look obvious before investors peekWelcome to the cool kids, everybody's insideMoney meets status and status becomes prideWhen your wealthy friends are already in the roomDue diligence gets quieter underneath the perfumeBut luxury isn't evidence that profits are realA mansion doesn't tell you how investors will feelWhen withdrawals stop coming and the promises foldAnd everything that glittered has to finally be sold[Bridge – stripped back]I could see the cars.I could see the homes.I could see the partiesAnd the expensive clothes.I could follow the companies.I could question the show.But I couldn't see the bank accountsOr everywhere the money would go.Then the government followedWhat nobody could see.Behind every symbolWas a financial reality.And now those trophies of successAre being priced and sold...But does that explainthree hundred twenty-eight million dollars?[Final Chorus – full band + choir]WHERE DID THE MONEY GO?Past the mansion gates and the private showLamborghini dreams on an investor's doughWhere did the money go?WHERE DID THE MONEY GO?Sell the houses, count what's owedPay the banks and clear the roadThen tell the victims what is leftWhen every luxury has been soldWhere did the money go?That's the question underneath it allBehind the cars, behind the homesBehind the pictures on the wallThree hundred twenty-eight million reasonsNot to let this story goSo follow every dollarUntil somebody can answer:Where did the money go?[Outro – quiet piano]The mansion was real.The Lamborghini was real.The headquarters was real.But none of them provedthe profits were real.And somewhere behind all that lifestyle...is the money trail.Support the show
Max Olson of ESPN (and our friend) did a breakdown of cost by position in CFB!
T-Shirts $32Venmo @Scott-Switzer-1Cash App $SwitzThorIn Memo put NameAddressSizePresenting Sponsor Thirdzy! https://thirdzy.com/JAZZYPromotion Code for 15% off: JAZZYEvery Sunday night Carolyne Prevost, Jamie Latimer and Scott Switzer break down the world of CrossFit and other fitness competitions. Tonight we talk about the WFP Workouts, Why did the prize money change? the Impossible Mile!
Many of us are aware that households in Ireland are sitting on a cash mountain of €175bn in savings. Some companies are collectively sitting on €70bn in corporate cash earning next to nothing in interest. There are better ways for businesses to make their money go further. Declan King. Chief Investment Officer with the NFP Group which invests money for High Net Worth individuals in a myriad of ways.
Making good money but still wondering where it goes every month? In this episode, Hannah Kesler explains how tracking cash flow, building financial reserves, and using Infinite Banking can help you gain greater control of your money. She and Devin Robinson also explore using AI to monitor spending, directing capital into cash-flowing assets, and raising private capital responsibly. Learn how stronger financial systems can help you maintain liquidity, build wealth, and create more freedom over your time. Watch our 90-minute presentation here: https://bit.ly/tmm-podcast-ppt Send us an email at podcast@themoneymultiplier.com Check out our resources at: https://linktr.ee/themoneymultiplier
2026-02-17_Pastor Mayo_Giving To God | Where Does Your Money Go? by Cornerstone Pentecostal Church Spokane
Buy/Sell/Short/Go to Reddit: The Grizzlies Should Try to Build on the Knicks' Blueprint; The Miami Heat Gave Away Where LeBron is Signing; The Area Around the MSEC is Still Undeveloped... Where'd the Money Go? Why Has the SEC Not Been As Competitive Nationally as Years' Past?
On this week's episode, Adam and Chris go over your four major options for playing games, Playstation, Xbox, Switch and PC. With the current outlook of all four options, what would be the best choice for someone who does not own any of the four. They take into consideration things like affordability, the library, future-proofing, and many other intangibles to lead someone in a specific direction.Join Kaylan, Adam and Chris as they delve into the big news stories in the gaming industry, as well as gush and rant about the past, present and future in video games!https://linktr.ee/pixelplaypodcastJoin us in our Discord! - https://discord.gg/j2bN8YCmXKWant to send us a mail to be read on future podcasts? Message us at askpixelplay@gmail.com!Follow us on Twitter! - http://twitter.com/pixelplaycastFollow us on Instagram! - http://instagram.com/pixelplaycast Our Intro Music ///Epic Song by BoxCat Games https://freemusicarchive.org/music/Bo...Creative Commons — Attribution 3.0 Unported — CC BY 3.0Free Download / Stream: https://bit.ly/_epic-songMusic promoted by Audio Library https://youtu.be/yjh43qblURI#xbox #playstation #nintendo
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Making the case for the country's biggest fund managers to invest more into New Zealand startup companies.
Markets remain near record highs, but the technical backdrop is becoming more complex. Strong money flows continue to support asset prices, while a more hawkish Federal Reserve threatens to tighten financial conditions and limit upside potential. Lance Roberts looks at how liquidity, institutional flows, market momentum, and investor sentiment are interacting with Fed policy. We also explore whether technical support levels can withstand higher interest rates, what history suggests when liquidity and monetary policy diverge, and what investors should watch next as markets navigate this critical crossroads. Here's a topical rundown of today's show: 0:00 - INTRO 1:12 - FIFA Fever & Setting Up for July 5:32 - Portfolio Rebalancing & Buyback Blackout 11:34 - Alan Greenspan death at 100 16:42 - Markets Trading on Plumbing More than Fundamentals 21:06 - Market Inflows - Where's the money coming fron? 26:45 - Micron Quarterly Preview - Where's the risk? 30:25 - Market Breadth Concerns 32:58 - Where Does the Money Go? 34:51 - Market Mechanics Remain Strong 39:00 - When Everyone Agrees...(Bob Farrell Rule #9) 40:27 - Three Things to Watch 43:12 - The Risks are Real Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP, w Senior Investment Advisor, Jon Penn, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/UYxvj5axVTQ ------- Watch our previous show, "Black Swans, SpaceX, & Retirement Reality" https://youtube.com/live/Rq8NxfiiG2I ------- Watch today's "Before the Bell" feature, "Market Pennant: Breakout or Breakdown?" here: https://youtu.be/tYu7hYTjg_g ------- Articles mentioned in this report: "The Technical Backdrop: When Flows Meet a Hawkish Fed: https://realinvestmentadvice.com/resources/blog/the-technical-backdrop-when-flows-meet-a-hawkish-fed/ "Kevin Warsh And The End Of The Fed's “Forward Guidance” https://realinvestmentadvice.com/resources/blog/kevin-warsh-and-the-end-of-the-feds-forward-guidance/ --- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Candid Coffee, "Narrative Busters: Market Stories Investors Should Approach With Caution," Saturday, July 18, 2026: https://streamyard.com/watch/RfJtCj2byfDr --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #MarketOutlook #PortfolioManagement #Investing #Semiconductors #FederalReserve #AlanGreenspanDeath #KevinWarsh #MarketAnalysis
Markets remain near record highs, but the technical backdrop is becoming more complex. Strong money flows continue to support asset prices, while a more hawkish Federal Reserve threatens to tighten financial conditions and limit upside potential. Lance Roberts looks at how liquidity, institutional flows, market momentum, and investor sentiment are interacting with Fed policy. We also explore whether technical support levels can withstand higher interest rates, what history suggests when liquidity and monetary policy diverge, and what investors should watch next as markets navigate this critical crossroads. Here's a topical rundown of today's show: 0:00 - INTRO 1:12 - FIFA Fever & Setting Up for July 5:32 - Portfolio Rebalancing & Buyback Blackout 11:34 - Alan Greenspan death at 100 16:42 - Markets Trading on Plumbing More than Fundamentals 21:06 - Market Inflows - Where's the money coming fron? 26:45 - Micron Quarterly Preview - Where's the risk? 30:25 - Market Breadth Concerns 32:58 - Where Does the Money Go? 34:51 - Market Mechanics Remain Strong 39:00 - When Everyone Agrees...(Bob Farrell Rule #9) 40:27 - Three Things to Watch 43:12 - The Risks are Real Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP, w Senior Investment Advisor, Jon Penn, CFP Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/UYxvj5axVTQ ------- Watch our previous show, "Black Swans, SpaceX, & Retirement Reality" https://youtube.com/live/Rq8NxfiiG2I ------- Watch today's "Before the Bell" feature, "Market Pennant: Breakout or Breakdown?" here: https://youtu.be/tYu7hYTjg_g ------- Articles mentioned in this report: "The Technical Backdrop: When Flows Meet a Hawkish Fed: https://realinvestmentadvice.com/resources/blog/the-technical-backdrop-when-flows-meet-a-hawkish-fed/ "Kevin Warsh And The End Of The Fed's "Forward Guidance" https://realinvestmentadvice.com/resources/blog/kevin-warsh-and-the-end-of-the-feds-forward-guidance/ --- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Candid Coffee, "Narrative Busters: Market Stories Investors Should Approach With Caution," Saturday, July 18, 2026: https://streamyard.com/watch/RfJtCj2byfDr --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #MarketOutlook #PortfolioManagement #Investing #Semiconductors #FederalReserve #AlanGreenspanDeath #KevinWarsh #MarketAnalysis
Have you ever looked at your bank account and thought, "wait, I know I made more than this"? Friend, I have been there. And for a long time, I thought the answer was just to make more money. Turns out, that was not the problem. In this episode, I'm getting honest about something most of us don't want to admit: unassigned money disappears. Not because we're irresponsible, but because money without a job becomes emotionally charged, and emotionally charged money gets spent on whatever feeling shows up first. I'm sharing a personal story in this one that honestly made me laugh at myself, because I found out the hard way what happens when you let impulse do the budgeting for you. (Let's just say a mobile game was involved and leave it at that for now.) If you've ever felt like your income and your bank account are telling two very different stories, this episode is for you. We're talking about what it actually looks like to assign your money with intention before the impulse gets there first. GET THE MONEY MANDATE HERE TIMESTAMPS 00:00:01 - Welcome to Wisdom's Table Introduction to the podcast and its purpose of helping listeners grow. 00:01:00 - The Money Disappearance Dilemma Discussing the common feeling of confusion about where money goes. 00:02:23 - Challenging the Income Problem Mindset Exploring the idea that the issue may not be a lack of income but rather how money is assigned. 00:03:36 - The Importance of Money Direction Understanding how unassigned money can lead to impulsive spending. 00:05:48 - Personal Spending Experience Rachel shares her experience with a mobile game and the emotional spending that ensued. 00:07:18 - Invisible Spending Decisions Highlighting how small, untracked expenses can accumulate unnoticed. 00:09:04 - Reasons for Financial Chaos Introducing four reasons why people struggle with money management. 00:09:43 - No Pre-Decision Explaining how lack of planning leads to impulsive purchases. 00:12:15 - Emotionally Driven Spending Discussing how emotions can influence financial decisions. 00:13:36 - Lifestyle Creep Describing how increased income can lead to increased spending without real benefit. 00:14:28 - Lack of Vision for Money Emphasizing the need for a clear purpose for money to prevent it from being wasted. 00:15:13 - Mindset Shifts for Financial Health Introducing two key mindset shifts to improve financial management. 00:16:05 - Direction Over Multiplication Stressing that money needs direction more than it needs to simply multiply. 00:18:02 - Every Dollar as a Builder Reframing the perspective on money as a tool for building rather than just spending. 00:20:29 - Sending Money vs. Spending Money Encouraging a shift in language and mindset regarding financial transactions. 00:22:03 - Assigning Jobs to Money Practical advice on how to assign specific purposes to each dollar. 00:24:51 - Conclusion: Leading Your Money Final thoughts on taking control of finances and the importance of intentionality. 00:25:33 - Closing Remarks Encouragement to share the episode and engage with the podcast community.
You are generating solid revenue. So why does your bank account still feel like a black hole? If you have ever ended a strong month wondering where it all went, this episode was made for you.Gary sits down with Chelsea Williams, founder and Chief Financial Architect of Profit Kept, for a conversation that every law firm owner needs to hear. Chelsea has worked with firms generating millions in annual revenue who were still skipping paychecks and taking out loans to cover payroll. Her message is direct: more revenue will not save you if you do not know how to keep it. Using what she calls the profit equation, Chelsea shows attorneys how to stop crossing their fingers for profit and start building it intentionally, one decision at a time.Key Takeaways:Understand why cash flow, not revenue, is the single most important number in your practiceRecognize what financial visibility actually means and why most attorneys are missing it entirelySee how avoidance of your financials is costing you far more than the problems you are afraid to findBuild a three-month cash reserve to create the runway and peace of mind your practice needsFollow the breadcrumbs in your numbers to identify exactly where money is leaking in your firmStop treating profit as an event you are waiting for and start building it as a daily habitChelsea Williams is the founder and Chief Financial Architect of Profit Kept, specializing in law firm growth strategy and fractional CFO services. With over a decade of experience helping hundreds of law firm owners move from confusion to clarity, her approach blends cash flow strategy, financial visibility, and team-centered systems built specifically for legal practice.If today's episode stirred something in you, subscribe to The Free Lawyer and leave a review wherever you listen. The work of building a practice that actually serves your life starts with one honest conversation. Begin yours at garymiles.net.[00:00] | Welcome to The Free Lawyer[02:17] | Chelsea's defining origin story[04:32] | Why lawyers need specialized finance[06:47] | The numbers that matter most[09:02] | More revenue, more problems[13:44] | Cash flow and the profit equation[17:23] | The feast-and-famine cycle[21:56] | Saying the hard thing kindly[25:38] | Financial alignment and lifestyle design[28:17] | First steps for attorneys todayChelsea Williams is the founder and Chief Financial Architect of Profit Kept, a financial strategy firm dedicated exclusively to helping law firm owners build profitable, sustainable practices. She specializes in cash flow strategy, fractional CFO services, and demystifying financial systems for attorneys who were never taught how to manage money as business owners. A former VP of a tax and accounting firm and a frequent speaker in legal business masterminds, Chelsea has helped hundreds of law firm owners move from financial confusion to genuine clarity. She believes that financial fluency is a leadership skill, not a luxury, and brings that conviction to every firm she serves.Would you like to learn what it looks like to become a truly Free Lawyer? You can schedule a complimentary call here: https://calendly.com/garymiles-successcoach/one-one-discovery-callYou can find The Free Lawyer Assessment here- https://www.garymiles.net/the-free-lawyer-assessmentLearn more about my productivity system here- https://www.garymiles.net/productivity
In the final installment of What's Next?'s three-part anniversary series marking four years since the May 14 Tops mass shooting, the focus shifts from promises to outcomes. The conversation examines whether the investments and commitments made after the tragedy have translated into meaningful change for Buffalo's East Side. Topics include poverty, homeownership, employment, food access, mental health support, and the lasting effects of decades of disinvestment. Community leaders and residents also discuss the need for transparency, accountability, and coordinated efforts to address the systemic challenges facing the community.
SHORT DESCRIPTION New claims of massive federal fraud are shaking Washington as officials and former EPA leadership allege billions in taxpayer dollars were improperly routed through green energy programs. Tara and Roger break down the allegations, the political fallout, and the growing push inside government to recover what was spent. FEATURED STORIES 1. Trump Officials Claim Massive Fraud Potential in Federal Budget Elon Musk, in comments attributed to a conversation with Joe Rogan, is referenced alongside Trump administration officials who argue that eliminating fraud and improper payments could dramatically reduce the federal deficit. Treasury Secretary Scott Bessent is cited estimating hundreds of billions in potential fraud annually, while Stephen Miller argues the federal budget could be balanced if only properly eligible recipients received payments. 2. EPA Leadership Launches Criminal Referrals Over Green Energy Spending Former EPA Administrator Lee Zeldin announced multiple criminal referrals following an internal review of Biden-era environmental grant programs. According to the claims discussed, the investigation centers on alleged misuse of funds routed through nonprofit intermediaries. Zeldin says roughly $29 billion in EPA grants have been paused or canceled amid the review. 3. The $2 Billion Stacy Abrams-Linked Grant Raises Questions One of the most controversial examples cited involves a $2 billion grant awarded to a nonprofit tied to former Georgia gubernatorial candidate Stacy Abrams. Critics highlighted that the organization reportedly had minimal prior financial activity before receiving federal funding, raising questions about oversight and eligibility standards. 4. “Pass-Through” Nonprofits Under Scrutiny Investigators referenced in the segment describe a network of nonprofit “pass-through” entities allegedly used to distribute federal funds with limited government oversight after initial disbursement. Concerns raised include whether funds were properly tracked once distributed beyond the initial recipient organizations. 5. Allegations of Political Enrichment Through Climate Funding Programs The discussion also focuses on claims that green energy and climate-related funding programs were structured in ways that benefited politically connected organizations and former government officials. Programs under the Inflation Reduction Act are specifically mentioned as part of the funding pipeline under review. 6. Calls to Reclaim Federal Funds Intensify The Trump EPA team is described as attempting to claw back portions of previously distributed grants, referring some cases to the Inspector General and the Department of Justice for possible prosecution. Supporters argue that stronger oversight and rescission of unused funds could help reduce waste and fraud. KEY TAKEAWAYS Allegations of large-scale federal fraud are fueling renewed scrutiny of government spending. EPA grant programs are under investigation for potential misuse and weak oversight. Nonprofit intermediaries are a central focus of concern in how federal funds are distributed. Political debate is intensifying over climate-related spending and accountability. Officials are pushing for recovered funds and expanded investigations. QUOTE OF THE DAY “If only properly eligible recipients received federal dollars, we could balance the budget.” SOCIAL MEDIA TEASER
Part two of What's Next?'s three-part anniversary series examining the aftermath of the May 14 Tops mass shooting focuses on the distribution and impact of millions of dollars raised to support Buffalo's East Side. The episode explores questions surrounding transparency, accountability, and long-term community investment while examining how funding was distributed to recovery efforts in the years following the tragedy. Survivors and community members also reflect on the ongoing challenges of accessing promised mental health and financial support.
In part one of a three-part anniversary series marking four years since the May 14 Tops mass shooting, What's Next? examines the nearly 100 million dollars pledged to support Buffalo's East Side and the families impacted by the tragedy. The episode explores how state and federal funding, corporate donations, and community fundraising efforts were distributed, while also examining the challenges survivors faced in receiving support and the lingering questions surrounding accountability and transparency. The conversation also looks at the emergency response efforts created after the shooting and the ongoing work to rebuild trust within the community.
Most people don't have an income problem. They have a cashflow control problem. In this episode, Curtis May breaks down why money disappears so quickly — even for high-income earners and business owners — and why budgeting alone usually fails. You'll learn: Why most people unknowingly operate from one financial bucket The hidden danger of unmanaged cashflow Why wealthy people use systems instead of budgets How "wealth transfers" quietly drain your income Why liquidity matters more than most people realize The difference between tracking money and controlling money How cashflow mapping creates financial clarity and control Curtis also introduces the concept of: "Tell your money where to go instead of asking where it went." This episode is especially important for: Business owners Families living paycheck-to-paycheck despite good income Professionals with debt and no liquidity Anyone frustrated by financial stress and disorganization If you want to stop reacting to money and start controlling it, this episode is for you. Resources Mentioned Money Organization Plan Cashflow Mapping Money4Life Blueprint Debt-Free for Life concepts Reservoir Account strategy Schedule a Strategy Session Practical Wealth
Despite earlier promises that no taxpayer dollars would go towards the construction of a new massive ballroom at the White House, that may be changing. President Trump isn't asking for the money himself, but several Republican senators now propose sending $1 Billion in taxpayer dollars towards the project in order to help upgrade security.
Most salon owners don't have a money problem, they have a ‘lack of understanding' problem. You can be fully booked, your team can be flat out, and yet you can still be running at a loss without realising it. That's what happens when you're managing your business without awareness of a few key numbers. On today's podcast, I'm walking you through the five numbers that, in my experience, determine whether a salon owner feels in control of their finances or is controlled by them.These aren't complicated. You don't need to love spreadsheets or become an accountant. But knowing these five numbers changes the way you make decisions, and the decisions you make determine the business you build. If last week's episode resonated with you, this one is the practical follow-up you've been waiting for.WHAT YOU'LL LEARN:Why your salon can be fully booked and still be running at a loss and the one number that highlights the reality.What net profit margin actually means and why checking it once a year with your accountant is already too lateWhy copying a competitor's pricing could mean your services are running at a loss.How a 13-week rolling cashflow forecast removes the financial anxiety that hits every time something unexpected goes wrongWhy these five numbers are all connected and what pulling on one thread does to the restIN THIS EPISODE:[00:00] Introduction: The salon that looks busy but can't explain the numbers[00:26] Why this episode follows directly from last week's[00:44] The real reason salon owners feel financial fog[01:19] Why gut feel is not a strategy for running your finances[01:42] Number one: your breakeven point and why it matters most[02:52] You can be fully booked and still be running at a loss[03:47] Number two: net profit margin and what it actually measures[04:55] The story of Clarissa: from 2.5% to 8.4% profit margin[06:16] Number three: staff costs as a percentage of total revenue[08:11] Number four: which services on your menu are actually profitable[09:56] Number five: understanding your cashflow over the next 13 weeks[11:53] Billy's story: from breaking even to £80k profit[12:08] How all five numbers connect to each other[13:39] The free 10-question salon financial reality check[13:57] Free live masterclass: Where Does All the Money Go?Want MORE to help you GROW?➡️ 10 Question Salon Financial Reality Check – A free 60-second quiz to identify exactly where your financial knowledge gaps are – Find out more➡️ Free Live Masterclass: Where Does All the Money Go? – Monday 11th May, one hour, completely free – deeper than this episode and the logical next step if this resonated – Register hereRECOMMENDED NEXT EPISODEIf you enjoyed this episode, you'll also like: Episode 345: Where Does All the Money Go? The 10-Part Financial Framework for Salon Owners Listen here RATINGS + REVIEWS
Hey Smarties! There won't be a livestream for “Economics on Tap” today. But don't worry! We'll be back next week. For now, we're sharing an episode from our friends over at “This Is Uncomfortable.” Enjoy!What happens to your retirement savings when you leave a job? And if you've forgotten about an old 401(k) account, how do you track that money down? That's the mystery Reema is trying to solve this week, as she confronts her own financial anxiety and goes searching for retirement accounts left behind at previous jobs.Along the way, she talks with retirement expert Geoffrey Sanzenbacher about just how common this is -- only about 15% of people roll their retirement savings over to a new employer's plan! And she asks behavioral economist Katy Milkman why this kind of chore feels so hard. Plus, brain hacks that will help you get through that daunting financial to-do list.Here at Marketplace, we're celebrating Public Media Giving Days on May 1 and 2. Help us keep the conversations going. Donate now: https://support.marketplace.org/smart-sn
Hey Smarties! There won't be a livestream for “Economics on Tap” today. But don't worry! We'll be back next week. For now, we're sharing an episode from our friends over at “This Is Uncomfortable.” Enjoy!What happens to your retirement savings when you leave a job? And if you've forgotten about an old 401(k) account, how do you track that money down? That's the mystery Reema is trying to solve this week, as she confronts her own financial anxiety and goes searching for retirement accounts left behind at previous jobs.Along the way, she talks with retirement expert Geoffrey Sanzenbacher about just how common this is -- only about 15% of people roll their retirement savings over to a new employer's plan! And she asks behavioral economist Katy Milkman why this kind of chore feels so hard. Plus, brain hacks that will help you get through that daunting financial to-do list.Here at Marketplace, we're celebrating Public Media Giving Days on May 1 and 2. Help us keep the conversations going. Donate now: https://support.marketplace.org/smart-sn
Hopefully your salon is busy, clients are coming through the door, and money is being taken at the till every day, so if that's the case, then why is salon financial management still such a struggle? This is the reality for a lot of salon owners: the numbers just don't add up, and the stress that comes with that is real. In this episode, I walk you through a 10-part framework for following the money trail in your business. This isn't a finance lesson, and it's not about spreadsheets. It's a practical way of thinking about your business that gives you clarity and control, because right now, with costs up and clients spreading out their appointments, you can't afford to keep guessing.IN THIS EPISODE:The difference between knowing your numbers and understanding your business in real timeWhy budgets aren't about restriction, they're the single most important tool for weekly profitabilityWhat cashflow forecasting actually looks like and why a 13-week rolling forecast changes everythingHow to think about productivity-based pay so your team's performance is tied to the salon's financial healthEPISODE TIMESTAMPS[00:00] Introduction: The reality of a busy salon that still isn't profitable[00:50] Why the financial picture behind the scenes rarely matches the front[01:14] This isn't about how hard you work, it's about structure[01:38] The biggest misconception: thinking someone else is watching the numbers[02:22] Why understanding your finances is your job, not your accountant's[03:10] What following the money trail actually means in practice[03:53] Introducing the 10-part financial framework for salon owners[06:47] Why budgets matter more than most salon owners want to admit[08:07] Cashflow forecasting and why 13 weeks ahead changes everything[09:32] Pricing for profit and why "charge your worth" isn't a strategy[10:47] Recap: how many of the 10 points are you actually doing?[13:01] The free webinar: Where Does All the Money Go?RESOURCES MENTIONEDWhere Does All the Money Go? (Free Webinar) Antony breaks down the 10-part framework in full and shows you how to apply it practically in your salon - Register hereWant MORE to help you GROW?
Salon profitability is under more pressure than it has been in years, and the hard reality is that being busy isn't the same as being profitable. In this episode, I get into the financial fundamentals that too many salon owners avoid, because understanding your numbers is the only way to get in front of the problem before it becomes a crisis.By the end of this episode, you'll know exactly where to look in your business to find the leaks, whether you have a pricing problem or a productivity problem, and what your real options are for increasing profit margins. This isn't about cutting everything to the bone. It's about making smarter decisions with the facts in front of you.IN THIS EPISODE:Why being fully booked doesn't mean your salon is profitable, and what that means for your business right nowHow to use your profit and loss report to separate the facts from the feelings and make better financial decisionsThe difference between a pricing problem and a productivity problem, and which one your salon actually hasThe three ways to increase salon income, and which one delivers results the fastestEPISODE TIMESTAMPS:[00:00] Introduction: Why salon profit margins are under pressure right now [00:27] The things you can control when times are tough [02:07] Why competitive pricing creates a crunch point for salon owners [03:04] How to use your profit and loss report correctly [04:29] What the numbers in a typical salon P&L actually look like [05:42] Pricing problems vs productivity problems: knowing which one you have [06:21] How to approach cutting costs without losing what matters [08:05] Why the miscellaneous line in your P&L deserves more attention [09:22] The three ways to increase your salon income [11:44] Why a price rise is the fastest lever available to you [12:38] Which services are actually profitable when you look at the real margins [13:25] Using technology and AI to create efficiencies in your business [14:16] Recap and your next action stepRATINGS + REVIEWS
The Billionaire's Tax has qualified for the November 2026 ballot. Californians Against Wasteful Spending and Higher Taxes is making a simple argument: California doesn't have a revenue problem, it has a spending problem. See the new campaign ad and read about it here: https://www.sodoesitmatter.com/p/california-anti-tax-coalition-announces Please Like, Comment and Follow 'Broeske & Musson' on all platforms: --- The ‘Broeske & Musson Podcast’ is available on the KMJNOW app, Apple Podcasts, Spotify or wherever else you listen to podcasts. --- ‘Broeske & Musson' Weekdays 9-11 AM Pacific on News/Talk 580 AM & 105.9 FM KMJ | Facebook | Podcast| X | - Everything KMJ KMJNOW App | Podcasts | Facebook | X | InstagramSee omnystudio.com/listener for privacy information.
What happens to your retirement savings when you leave a job? And if you've forgotten about an old 401(k) account, how do you track that money down? That's the mystery Reema is trying to solve this week, as she confronts her own financial anxiety and goes searching for retirement accounts left behind at previous jobs. Along the way, she talks with retirement expert Geoffrey Sanzenbacher about just how common this is -- only about 15% of people roll their retirement savings over to a new employer's plan! And she asks behavioral economist Katy Milkman why this kind of chore feels so hard. Plus, brain hacks that will help you get through that daunting financial to-do list. If you liked this episode, share it with a friend. And let us know what you think by emailing uncomfortable@marketplace.org or calling 347-RING-TIU.And follow us on Instagram and Tiktok!
What happens to your retirement savings when you leave a job? And if you've forgotten about an old 401(k) account, how do you track that money down? That's the mystery Reema is trying to solve this week, as she confronts her own financial anxiety and goes searching for retirement accounts left behind at previous jobs. Along the way, she talks with retirement expert Geoffrey Sanzenbacher about just how common this is -- only about 15% of people roll their retirement savings over to a new employer's plan! And she asks behavioral economist Katy Milkman why this kind of chore feels so hard. Plus, brain hacks that will help you get through that daunting financial to-do list. If you liked this episode, share it with a friend. And let us know what you think by emailing uncomfortable@marketplace.org or calling 347-RING-TIU.And follow us on Instagram and Tiktok!
Adam Silver is trying to address and fix the tanking issue in the NBA NFL franchises are worth more than ever and keep going up Ryan Horvat joins the show and shares his thought on the NFL draft
Ever look at your bank account and wonder where your money went—even though you didn't make any big purchases? You're not alone. High earners often feel like their money is disappearing, and the instinct is to budget harder or cut back. But the real problem usually isn't discipline—it's visibility. In this episode, Shari Rash, founder of GWA Wealth, breaks down the hidden expenses quietly draining your bank account. From subscription creep and convenience spending to lifestyle inflation, social comparison, and emotional micro-spending, these small, everyday costs can add up to thousands of dollars a year without you realizing it. You'll learn why these expenses are so easy to overlook, how they impact your long-term wealth, and a simple 20-minute spending audit you can do today to take back control—without turning your life into a restrictive budget. If you make good money but still feel like you're playing catch-up, this episode will help you finally connect the dots and start spending with intention. If you're ready for personalized, judgment-free financial guidance, learn more about working with Shari. Shari Rash is the founder of GWA Wealth, a virtual advisory firm helping women make confident, values-aligned decisions with their money. Visit GWA Wealth to explore your next step. Talkin' Points → where your money gets smarter. Real talk, practical tips, zero guilt straight to your inbox. Sign up here. Be sure to like and follow the show on your favorite podcast app! Keep the conversation going on Instagram @everyonestalkinmoney Shari Rash is a financial planner and Investment Adviser Representative of GWA Wealth, a Registered Investment Adviser. The information provided in this podcast is for educational and informational purposes only and should not be construed as personalized investment, tax, or legal advice. Listening to this podcast does not create an advisory relationship with Shari Rash or GWA Wealth. All investments involve risk, including the potential loss of principal. Any references to specific investments, strategies, or securities are for illustrative purposes only and are not recommendations. You should consult your own financial advisor, tax professional, or attorney regarding your individual situation before making any financial decisions. Learn more about your ad choices. Visit megaphone.fm/adchoices
Hello guys! Today we're talking about what exactly happened to the 'stuff' of queens, emperors, dictators and criminals after it all comes crushing down!From Marie Antoinette's jewels to the Romanov family's Faberge Eggs and the Kaiser's palaces and art post exile, we look at what happened to the collections of these royal dynasty's when it all comes crashing down! PLUS we're looking at Hitlers personal will and the royalties from his book, before ending with the fate of Jeffrey Epstein's million dollar property portfolio! If you're wanting more Hot History content you can follow along on Instagram, TikTok and YouTube and of course, right here!Til next week, Ainslie x
Blue Valley cutting strings program, where did the money go? HR 1 full 2509 Wed, 11 Mar 2026 16:00:21 +0000 UlTUtgVs8Xn96Hay3VImU4N4rpXfHEli news MIDDAY with JAYME & WIER news Blue Valley cutting strings program, where did the money go? HR 1 From local news & politics, to what's trending, sports & personal stories...MIDDAY with JAYME & WIER will get you through the middle of your day! © 2025 Audacy, Inc. News False https://player.amperwavepo
You've paid off the debt, built the emergency fund, and started investing. So why does having extra money still make you feel weirdly stressed? In this episode of Everyone's Talkin' Money, Shari Rash breaks down what to do with surplus money once you're past financial chaos and into a more stable phase of life. Because when the bills are covered, your savings account is solid, and your 401(k) contributions are happening, the next question gets a lot more complicated: where should your next dollar go? Get the Now What? Money Reset If you've ever felt stuck deciding between saving more cash, funding a Roth IRA, opening a brokerage account, contributing more to your 401(k), or finally spending money on something that makes your life better, this episode is for you. Shari shares her post-chaos money playbook: Protect, Build, Live — a practical system for deciding how to allocate extra money without second-guessing every financial move. You'll learn how to set a cap on your emergency fund, when cash stops being security and starts becoming unassigned money, and why “max everything” is not always the smartest investing strategy. Shari walks through her investing stack for women in this stage of life: get the employer match, fund a Roth IRA, build a taxable brokerage account for flexibility, and then max your 401(k) if it still makes sense for your goals. This episode also unpacks why a brokerage account can be one of the most powerful tools for present-life freedom, especially if you want the option to take a sabbatical, leave a job, change careers, start a business, relocate, or work less before traditional retirement age. And just as importantly, Shari explains why your life should not be funded with leftovers. You'll hear how to create a “Live” bucket for travel, health, support, time-saving services, relationships, learning, and the things that make your life feel like yours. If you've been wondering how to split your money between savings, investing, and actually enjoying your life, this episode gives you a clear framework. Because you are no longer someone who saves whatever is left. You are someone who directs money to build security, freedom, and life all at the same time. Are you're ready for personalized, judgment-free financial guidance? Learn more about working with Shari. Shari Rash is the founder of GWA Wealth, a virtual advisory firm helping women make confident, values-aligned decisions with their money. Visit GWA Wealth to explore your next step. Talkin' Points → where your money gets smarter. Real talk, practical tips, zero guilt straight to your inbox. Sign up here. Be sure to like and follow the show on your favorite podcast app! Keep the conversation going on Instagram @everyonestalkinmoney Shari Rash is a financial planner and Investment Adviser Representative of GWA Wealth, a Registered Investment Adviser. The information provided in this podcast is for educational and informational purposes only and should not be construed as personalized investment, tax, or legal advice. Listening to this podcast does not create an advisory relationship with Shari Rash or GWA Wealth. All investments involve risk, including the potential loss of principal. Any references to specific investments, strategies, or securities are for illustrative purposes only and are not recommendations. You should consult your own financial advisor, tax professional, or attorney regarding your individual situation before making any financial decisions. Learn more about your ad choices. Visit megaphone.fm/adchoices
#794 Most entrepreneurs don't have a revenue problem — they have a “where did the money go?” problem. In Part 1 of this two-part conversation, host Brien Gearin sits down with Bobby Hoyt — founder of Stellar Brands, CEO of The Bottom Line, and creator behind Millennial Money Man — to unpack why “knowing your numbers” is non-negotiable if you want to build a business that actually pays you. Bobby shares his journey from high school band director to entrepreneur, how a mentor helped him pay off student loans and take the leap, and the hard lessons that come from running your business on “napkin math.” Together, Brien and Bobby dig into why most entrepreneurs get blindsided at tax time, what it really means to have a proactive tax strategy, and how systems like Profit First (and the right bookkeeping/CPA team) can bring clarity, stability, and confidence to your cash flow — so you can grow without hitting the financial “electric fence!” What we discuss with Bobby: + Why entrepreneurs must know their numbers + The danger of “napkin math” finances + Bobby's journey from teacher to CEO + How mentors accelerate business growth + Why revenue doesn't equal personal income + The importance of proactive tax strategy + Common CPA and bookkeeping mistakes + How Profit First stabilizes cash flow + Paying yourself consistently as an owner + Building financial systems that scale with growth Thank you, Bobby! Check out Stellar Brands at StellarBrands.com. Check out The Bottom Line (TBL) at TheBottomLineCPA.com. Check out Brilliant Bookkeeper. To get access to our FREE Business Training course go to MillionaireUniversity.com/training. To get exclusive offers mentioned in this episode and to support the show, visit millionaireuniversity.com/sponsors. Learn more about your ad choices. Visit megaphone.fm/adchoices
#795 Most entrepreneurs don't realize that financial structure — not more revenue — is the key to unlocking real freedom. In Part 2 of this two-part conversation, host Brien Gearin and Bobby Hoyt go deeper into how Profit First can transform not just your business finances, but your personal finances and mindset as well. Bobby shares practical examples of using multiple accounts to create clarity, reduce stress, and confidently cover big expenses — from taxes to mortgages to vacations — without guilt or guesswork. They also discuss the shift from scarcity to abundance that comes from truly understanding your numbers, the importance of having the right financial experts on your team, and why bookkeeping and financial education are critical skills for long-term success. Whether you're scaling your business or just getting started, this episode highlights how structure, mentorship, and financial clarity unlock both growth and freedom! What we discuss with Bobby: + Profit First beyond business + Using multiple bank accounts strategically + Eliminating tax-time surprises + Creating financial peace of mind + Applying Profit First to personal finances + Scarcity vs. abundance mindset shift + Rewarding yourself responsibly + Importance of financial mentorship + Why knowing your numbers matters + Bookkeeping as a growth lever Thank you, Bobby! Check out Stellar Brands at StellarBrands.com. Check out The Bottom Line (TBL) at TheBottomLineCPA.com. Check out Brilliant Bookkeeper. To get access to our FREE Business Training course go to MillionaireUniversity.com/training. To get exclusive offers mentioned in this episode and to support the show, visit millionaireuniversity.com/sponsors. Learn more about your ad choices. Visit megaphone.fm/adchoices
The NFL season is officially over, so what happens next on Sport.Fun?On this episode of SDF with Laird, I'm joined by psufans2 to break down what the post-Super Bowl landscape looks like across the platform. We dig into the biggest question on everyone's mind: where does the money go now?We'll discuss:• Will capital stay parked in NFL.Fun, even with no games being played?• Does liquidity rotate into Football.Fun as football ⚽️ takes center stage?• Can the $FUN token be the real beneficiary of the NFL offseason?• Or do users simply pull money off the platform entirely?If you're holding NFL shares, considering reallocating to football, or trying to understand the broader Sport.Fun economy, this is a must-watch conversation.
Welcome to Califraia—the brilliant new term for California's jaw-dropping $250 billion in fraud, waste, and abuse. Yes, you read that right: a quarter TRILLION dollars of taxpayer money flushed down the government toilet. When Republican gubernatorial candidate Steve Hilton first dropped this bombshell, it seemed impossible. But after digging into the details—$24 billion in unaccounted homelessness spending, $55 billion in pandemic unemployment fraud, $20 billion more in bogus jobless claims, plus countless scams in CalFresh, Medi-Cal, fake college applications, and the high-speed rail to nowhere—suddenly $250 billion doesn't sound so crazy. One-party rule has created a culture of corruption so deep that even Newsom's own state auditor flagged his administration as "high risk." Meanwhile, Newsom's response? Insults and deflection, as usual. Is anyone surprised California leads the nation in homelessness, poverty, and cost of living while hemorrhaging billions in fraud? What will it take for California voters to demand accountability? Subscribe for more government waste exposés, hit that like button, and let's make #Califraia trend!
The state’s general fund budget is in trouble, as is its transportation budget. Inflation, higher than expected costs, lower than anticipated revenues, state services scheduled to expand. If you listen to KUOW, you’re probably aware of why the state is facing budget shortfalls. This next segment is about a bright spot in the state’s budget: the money generated from the cap and invest system. That’s part of the Climate Commitment Act which voters upheld in 2024. Here’s how it works: The state sets a limited amount of emissions allowed each year by major companies that’s the cap. Companies that emit more than they’re supposed to have to buy an allowance in a state-run auction. The latest auction generated $394 million dollars. The money is supposed to go towards climate investments like air quality monitors, electric vehicle chargers, and public transportation projects. But Governor Ferguson recently proposed using more than half billion dollars of that money to fund another program: The Working Families Tax Credit. It’s a refund that gives money back to low-and-medium income state residents. Meanwhile, Republicans, perhaps seeing an opening with the governor’s proposal, want to use the money to offset utility costs for schools. Environmental groups are already pushing back against the Governor’s proposal. The budget fight has come for this big pot of money and we’re going to hear two perspectives on this issue today. Guests: Todd Myers, Vice President of Research at Washington Policy Center Reuven Carlyle, Founder of Earth Finance, former state senator, and architect of the Climate Commitment Act Relevant Links: Seattle Times: A budget ‘rat hole’? Political fight over WA climate money intensifies Washington State Standard: WA governor calls for tapping reserve fund and climate law cash to fill budget hole Thank you to the supporters of KUOW, you help make this show possible! If you want to help out, go to kuow.org/donate/soundsidenotes Soundside is a production of KUOW in Seattle, a proud member of the NPR Network.See omnystudio.com/listener for privacy information.
Paul and Evan get into a conversation about a common question for homeowners: Is it a better investment to put extra money in my house or in my portfolio? Paul talks about why you shouldn't view your home as an investment unless you plan on selling it and moving into a tent. Listen along as these two advisors explain the importance of paying off or improving your home without viewing it as an investing decision. Later in the episode, Paul discusses how Trump is cracking down on corporate ownership of residential housing. Want to cut through the myths about retirement income and learn evidence-based strategies backed by over a century of data? Download our free Retirement Income Guide now at paulwinkler.com/relax and take the stress out of planning your retirement. This material is for general educational purposes only and is not personalized investment, financial, tax, or legal advice. Past performance does not guarantee future results. Nothing here is an offer, solicitation, or recommendation for any security or strategy. All financial decisions involve risk, and you should consult qualified professionals before acting on this information. Advisory services offered through Paul Winkler, Inc., an SEC-registered investment adviser.
William and guests discuss Stormont's first draft multi-year budget since 2011.
Steve sits down with State Representative Donni Steele, who represents District 54 in Lake Orion and chairs the House Appropriations Subcommittee on Transportation, to discuss growing concerns over budget clawbacks and misplaced taxpayer dollars. Steele explains why lawmakers are demanding accountability for transportation funding, how money meant for roads and infrastructure can get diverted, and why transparency matters to Michigan families already paying enough in taxes.
President Trump has announced that the United States has seized an oil tanker off the coast of Venezuela. This action has sparked concern among Democrats, who are raising alarms about security risks with other countries and the potential impact on the global oil supply. Additionally, Trump is reportedly considering action against Colombia due to concerns about drug trafficking and the possibility of narcotics entering the United States. Mark interviews economist Steve Moore. With a new Federal Reserve Chair set to take over next year after Jerome Powell, Moore discusses the state of the economy. He argues that the economy is currently strong and questions Democratic claims about an affordability crisis. New York City is allegedly up to $8 billion that has reportedly gone missing from funds intended to address homelessness. There is speculation that Mayor Eric Adams might skip Zohran Mamdani's inauguration in January. Meanwhile, NYC Comptroller Brad Lander has launched a congressional bid, drawing attention for his style, which some say is reminiscent of Mr. Rogers. Mark interviews WOR weeknight host Jimmy Failla. They share some laughs about post-holiday party antics and discuss concerns about safety in New York City, especially with Zohran Mamdani set to be sworn in as mayor in January 2026.
President Trump has announced that the United States has seized an oil tanker off the coast of Venezuela. This action has sparked concern among Democrats, who are raising alarms about security risks with other countries and the potential impact on the global oil supply. Additionally, Trump is reportedly considering action against Colombia due to concerns about drug trafficking and the possibility of narcotics entering the United States. Mark interviews economist Steve Moore. With a new Federal Reserve Chair set to take over next year after Jerome Powell, Moore discusses the state of the economy. He argues that the economy is currently strong and questions Democratic claims about an affordability crisis. New York City is allegedly up to $8 billion that has reportedly gone missing from funds intended to address homelessness. There is speculation that Mayor Eric Adams might skip Zohran Mamdani's inauguration in January. Meanwhile, NYC Comptroller Brad Lander has launched a congressional bid, drawing attention for his style, which some say is reminiscent of Mr. Rogers. Mark interviews WOR weeknight host Jimmy Failla. They share some laughs about post-holiday party antics and discuss concerns about safety in New York City, especially with Zohran Mamdani set to be sworn in as mayor in January 2026. See omnystudio.com/listener for privacy information.
This week on the Retirement Quick Tips podcast, I'm talking about why most Americans never reach financial independence and become wealthy. So far this week, I've talked about the typical path that many Americans take that set them up for failure when it comes to reaching financial independence: Taking on student loan debt (average repayment = $500+ a month for 10+ years) Buying a car (2nd highest expense for young people behind housing. Average monthly car payment for Gen Z today = $577). For many, it's not unusual to carry car payments of $1000 or more. Average credit card debt is $6700 at 23% interest - another few hundred a month in paying it off. Then we come to the biggest expense - housing. The median monthly mortgage payment for U.S. homebuyers today is currently $2,259. That reflects today's higher interest rates and higher home prices. It's not surprising then that the average age of first-time homebuyer is 38. For many of you listening, you bought your first house when you were in your late 20s or early 30s. Today's first time homebuyers are now middle aged.
In this episode of the Successful Stylist Academy Podcast, Ambrosia pulls back the curtain on one of the most confusing parts of running a profitable business as an independent stylist or salon owner: where your money actually goes. Instead of just looking at your bank balance and hoping for the best, she walks you through a simple "waterfall" visual so you can see how every dollar flows through your business, into costs, marketing, overhead, education, and finally: profit. You'll learn realistic percentage benchmarks for each category, the most common money leaks that silently eat into your income, and how to fix them without adding more hours behind the chair. If you've ever felt busy but not truly profitable, this conversation will help you reclaim your confidence, your cash flow, and your long-term freedom. Get FREE access to our Creative Service Profit Maker Webinar now! The booking software that makes my job easier is GlossGenius with AI support to make tasks as simple as clicking a button! Try it out for 2 weeks FREE: https://glossgenius.biz/AmbrosiaCarey Want more episodes like this? Drop a review here & tell us what you want to hear more of: https://podcasts.apple.com/us/podcast/successful-stylist-academy/id1584273127 Key Take-Aways: 1. Think of your business like a waterfall, not just a bank balance. 2. Money flows from the faucet into a series of "glass cups" : direct costs, client acquisition, overhead, growth, and finally profit. 3. When you see each glass clearly, you stop assuming all the money in your bank account is truly yours and start treating it as money with a job. 4. Get clear on your direct costs (COGS) so every bowl of color is profitable. 5. Direct costs include anything you touch, mix, or use on your client: color, lightener, developer, foils, gloves, towels, shampoo, conditioner, cleaning supplies, and even credit card fees. 6. Aim to keep these costs around 10–12% of your total revenue, and know that once you creep toward 15–20%, it is a danger zone and a clear sign you need a price increase. 7. Stop overordering and start pricing services with product usage in mind. 8. Common leaks include buying too much inventory, letting products expire, turning unsold retail into backbar, and never updating prices when suppliers raise theirs. 9. Fix this by using systems or software to track inventory, calculating your cost per scoop or per gram, and doing a quick monthly inventory check so your shelves are lean and intentional, not a graveyard of old product. 10. Track your Customer Acquisition Cost (CAC) so your marketing actually pays you back. 11. Your CAC includes ads, promos, new client discounts, referral rewards, branding shoots, social media time, website, and booking software that help you get clients in the door. 12. A healthy benchmark is 5–10% of your revenue, and a simple formula is: if you spend $200 on ads and get 5 new clients, your CAC is $40 per client and each client should bring in at least four times that in lifetime value. 13. Prioritize retention over constant hustle for new clients. 14. Common mistakes are chasing visibility without conversion, not tracking where new clients come from, and focusing more on strangers online than on the guests already in your chair. 15. Track first-time versus repeat clients monthly, create a simple referral system with a clear reward, and double down on the platforms and efforts that are actually sending you clients, not just likes. 16. Audit your overhead before it quietly drains your profit. 17. Overhead includes rent or booth rent, utilities, Wi-Fi, insurance, software, accounting, subscriptions, cleaning, payroll taxes, and benefits. 18. Ideally, this lands between 35–45% of your total revenue, and when it creeps toward 50% or higher, you either need to cut costs, raise prices, or both to keep your business from tipping upside down. 19. Be ruthless with subscriptions and intentional with tax planning. 20.Typical leaks are paying for apps and tools you no longer use, overspending on décor or space that does not match your income level, and failing to save ahead for taxes. 21. Quarterly, comb through subscriptions, automate your bookkeeping and reports, and move around 30% of your profit into a separate tax or high-yield savings account so you are not surprised at year-end. 22. Treat education, events, and travel as growth costs; not automatic write-offs. 23. Hair shows, classes, coaching, membership programs, flights, hotels, and meals are powerful when they are strategic, but expensive when they are random. 24. Try to keep these growth costs under about 8–10% of your annual revenue, give every class a clear action plan for how you will turn it into income, and look for ways to turn trips into content, offers, or digital assets you can reuse. 25. Decide how your profit will be divided before it hits your account. 26. Profit is what remains after all buckets are filled, and it is not the same as your paycheck. 27. A sample breakdown is: 30% for taxes, 10% for emergency reserves, 10–15% to reinvest in education, marketing, or tools, and 45–55% to pay yourself, so every dollar has a purpose instead of disappearing. 28. Do a simple money audit and fix just one leak this month. 29. Look at last month's income and write down what you spent on supplies, client acquisition, overhead, and education, then see what was truly left as profit. Get 15% off Pharmagel, our favorite skincare line with code SSA15: http://www.pharmagel.net/discount/ssa15?redirect=%2F%3Fafmc%3Dssa15
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