Podcasts about Money

Brock Johnson was passionate about social media and surrounded by influencers, yet it took nearly a decade of consistent content creation before he finally went viral on Instagram. Through years of trial and error, he cracked the code for organic growth on the platform. In this episode, Brock shares his blueprint for Instagram success, breaking down how the algorithm works and debunking common myths. He also reveals the secret to creating high-performing content that will take your social media to the next level. In this episode, Hala and Brock will discuss: (00:00) Introduction (02:25) Instagram's Algorithm in 2025 (08:23) From NFL Dreams to Entrepreneurship (14:53) The Hidden Path to Social Media Growth (20:52) Effective Instagram Growth Strategies (31:21) Overcoming the Unending Hustle for Followers (35:38) How to Monetize with a Small Following (37:47) Diversifying Revenue Streams as a Content Creator (39:54) The Attract–Nurture–Convert Content Framework (45:17) The Formula for High-Performing Instagram Stories (50:10) Content Creation Hacks That Work Brock Johnson is an Instagram growth coach, entrepreneur, and content creator, known for helping individuals and businesses succeed on social media. With nearly a million followers, he has mastered content marketing and monetization, regardless of audience size. In 2023, Brock began consulting for Meta on Instagram features and creator tools. He co-hosts the Build Your Tribe podcast and co-founded InstaClubHub, a top Instagram coaching membership with tens of thousands of members. Sponsored By: Indeed - Get a $75 sponsored job credit to boost your job's visibility at Indeed.com/PROFITING  Shopify - Start your $1/month trial at Shopify.com/profiting.  Quo - Get 20% off your first 6 months at Quo.com/PROFITING  Revolve - Head to REVOLVE.com/PROFITING and take 15% off your first order with code PROFITING  Merit Beauty - Go to meritbeauty.com to get your free signature makeup bag with your first order.  DeleteMe - Remove your personal data online. Get 20% off DeleteMe consumer plans at to joindeleteme.com/profiting  Spectrum Business - Visit Spectrum.com/FreeForLife to learn how you can get Business Internet Free Forever. Airbnb - Find yourself a cohost at airbnb.com/host Resources Mentioned: Brock's Instagram: instagram.com/brock11johnson  YAP E291 with GaryVee: youngandprofiting.co/E291  Active Deals - youngandprofiting.com/deals  Key YAP Links Reviews - ratethispodcast.com/yap YouTube - youtube.com/c/YoungandProfiting Newsletter - youngandprofiting.co/newsletter  LinkedIn - linkedin.com/in/htaha/ Instagram - instagram.com/yapwithhala/ Social + Podcast Services: yapmedia.com Transcripts - youngandprofiting.com/episodes-new  Entrepreneurship, Entrepreneurship Podcast, Business, Business Podcast, Self Improvement, Self-Improvement, Personal Development, Starting a Business, Strategy, Investing, Sales, Selling, Psychology, Productivity, Entrepreneurs, AI, Artificial Intelligence, Technology, Marketing, Negotiation, Money, Finance, Side Hustle, Startup, Mental Health, Career, Leadership, Mindset, Health, Growth Mindset, SEO, E-commerce, LinkedIn, Digital Marketing, Storytelling, Advertising, Communication, Video Marketing, Social Proof, Marketing Trends, Influencer Marketing, Marketing Tips, Digital Trends, Online Marketing, Marketing podcast

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3835: Skylar Liberty Rose challenges the cultural obsession with wealth and status by sharing five personal, transformative shifts that redefined success in her life. Through mindful practices like prioritizing health, embracing gratitude, and letting go of external validation, she shows how true fulfillment comes from living in alignment with your values, not your bank balance. Read along with the original article(s) here: https://tinybuddha.com/blog/its-not-all-about-money-5-ways-to-redefine-success/ Quotes to ponder: "Relentlessly pursuing a materialistic ideal is a breeding ground for anxiety and stress." "Success isn't how many Facebook friends we have or how many people pressed like on our post." "When we truly appreciate what we have and make gratitude our starting point, we are far less likely to worry about what we don't have." Learn more about your ad choices. Visit megaphone.fm/adchoices

Today, I'm talking with Willem Avé, who's the head of product at Square. You know Square — it was started by billionaire Jack Dorsey of Twitter fame more than 15 years ago, and it got big on the back of that little magnetic reader that once plugged into the headphone jack of the iPhone and let small businesses accept credit cards. Nowadays, of course, Square is more than a credit card reader, and sadly, the headphone jack is ancient history. The company itself is now part of parent organization called Block, which is made up of a very interesting mix of financial services like Afterpay, Cash App, and, yes, the streaming music service Tidal. So Willem and I really got into where Square is headed next with AI and automation, why he's excited about crypto and Bitcoin specifically, and even what it means that the US is discontinuing the penny.  Links:  Square's public roadmap | Square Jack Dorsey is reorganizing the entirety of Block | Fortune How Block turned Square into a financial services giant | Fast Company Block to roll out bitcoin payments on Square | Square Square buys $170 million worth of bitcoin | CNBC Square, Jack Dorsey's payments company, changes its name to Block | NYT The penny dies at 232 | NYT Subscribe to The Verge to access the ad-free version of Decoder! Credits: Decoder is a production of The Verge and part of the Vox Media Podcast Network. Decoder is produced by Kate Cox and Nick Statt and edited by Ursa Wright. Our editorial director is Kevin McShane.  The Decoder music is by Breakmaster Cylinder. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Am I on track to have a bit more flexibility, or even retire, in just over two years at the age of 62? Have a money question? Email us ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Subscribe to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Jill on Money LIVE⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Subscribe to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Jill on Money Newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ YouTube: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@jillonmoney⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Instagram: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@jillonmoney⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Twitter: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@jillonmoney⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ "Jill on Money" theme music is by Joel Goodman, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.joelgoodman.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

In today's episode, Ted interviews Chris Naugle, former pro snowboarder turned wealth strategist and America's #1 money mentor. Chris has helped thousands of people rethink the way they save, invest, and build long-term security through simple, proven financial principles.  Together, Ted and Chris break down the traps most people fall into: relying on traditional banks, following outdated financial advice, letting emotions drive decisions, and misunderstanding how wealth is really created. Chris also introduces the "infinite banking" concept, explaining how high performers can grow their money, protect themselves from downturns, and create generational wealth—without taking unnecessary risks.  If you're ready to take control of your financial future and make smarter decisions with your hard-earned money, this conversation will give you the clarity and confidence you've been missing. Listen now!  Today's Guest  Chris Naugle  Chris Naugle is a wealth strategist, author, and the nation's top expert in privatized banking and infinite banking strategies. A former professional snowboarder turned entrepreneur, he has built multiple businesses, managed millions in assets, and helped thousands rethink how they save, invest, and create long-term financial security by using simple, effective wealth-building principles.  Connect to Chris Naugle:  Website: ChrisNaugle.com   YouTube: Chris Naugle  X: Chris Naugle  Facebook: Chris Naugle    You'll learn:  Why most people follow broken financial advice without realizing it  How traditional banks profit while consumers stay stuck  Why liquidity, control, and safety matter more than high returns  How to protect your wealth from market volatility  Practical steps to start taking control of your financial future today   Chapters:  (00:00) Introduction  (02:26) Meet Chris Noggle: From Snowboarder to Money Mentor  (02:58) The Connection Between Financial and Physical Health  (04:43) Chris Noggle's Journey to Financial Freedom  (16:28) The Infinite Banking Concept Explained  (29:07) Understanding Inflation and Whole Life Insurance  (30:44) The Drawbacks of Whole Life Policies  (31:54) The Importance of Financial Discipline  (32:36) The Role of Technology in Financial Management  (37:02) The Psychology of Money and Personal Stories  (41:31) Chris's Personal Health Journey  (43:50) The Power of Giving and Mindset  (47:28) Building Healthy Habits and Routines  (52:31) Conclusion and Final Thoughts 

Kimberly Brown shares practical steps on how to take charge of your career and steer it with intention.— YOU'LL LEARN — 1) The framework for improving your reputation 2) How to cultivate relationships that advance your career3) How to identify and amplify the one thing that makes you stand outSubscribe or visit AwesomeAtYourJob.com/ep1116 for clickable versions of the links below. — ABOUT KIMBERLY — Kimberly Brown is a globally recognized career and leadership strategist, bestselling author, and international keynote speaker. As the founder and CEO of Brown Leadership®, a premier learning and development firm, she helps mid-career and senior professionals amplify their brands, accelerate growth, and drive performance. Her bestselling book, Next Move, Best Move: Transitioning Into a Career You'll Love, has empowered thousands to take control of their careers with strategy and confidence. She also hosts the Your Next Move Podcast, where she shares actionable insights on career advancement. A trusted expert, Kimberly's work has been featured in The Wall Street Journal, Harvard Business Review, Forbes, CNBC, NPR, and more. Find her online at kimberlybonline.com and brownleadership.com and follow her (@kimberlybonline) on LinkedIn, Facebook, Instagram, and Threads. • Book: Next Move, Best Move: Transitioning Into a Career You'll Love• Website: BrownLeadership.com• Website: KimberlyBOnline.com— RESOURCES MENTIONED IN THE SHOW — • Past episode: 686: How to Make Your Next Career Move Your Best Move with Kimberly Brown• Past episode: 1054: Maximizing Your Pipelines and Funnels of Opportunity with Kara Smith Brown• Tool: ClickUp— THANK YOU SPONSORS! — • Vanguard. Give your clients consistent results year in and year out with vanguard.com/AUDIO• Quince. Get free shipping and 365-day returns on your order with Quince.com/Awesome• Taelor. Visit Visit taelor.style and get 10% off gift cards with the code PODCASTGIFT• Cashflow Podcasting. Explore launching (or outsourcing) your podcast with a free 10-minute call with Pete.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Money should have intrinsic value AND transactional privacy: Go to https://davidknight.gold/ for great deals on physical gold/silver For 10% off Gerald Celente's prescient Trends Journal, go to https://trendsjournal.com/ and enter the code KNIGHT Find out more about the show and where you can watch it at TheDavidKnightShow.com If you would like to support the show and our family please consider subscribing monthly here: SubscribeStar https://www.subscribestar.com/the-david-knight-showOr you can send a donation throughMail: David Knight POB 994 Kodak, TN 37764Zelle: @DavidKnightShow@protonmail.comCash App at: $davidknightshowBTC to: bc1qkuec29hkuye4xse9unh7nptvu3y9qmv24vanh7Become a supporter of this podcast: https://www.spreaker.com/podcast/the-david-knight-show--2653468/support.

Keith reviews the state of the real estate market, noting that existing home sales are down about 33% from their 2021 peak, while prices remain firm due to low supply and high demand.  Affordability challenges are driven by stagnant wages, inflation, and higher mortgage rates, with 70% of mortgage holders still locked in at rates below 5%.  He observes that in certain markets, new construction may now offer better investor terms than comparable existing properties, especially where builders buy down rates.  The episode highlights a comparison of nearly a century of asset class returns, reporting real estate's long-term annual appreciation at approximately 4.7%. Episode Page: GetRichEducation.com/583 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  1-937-795-8989 to speak with a freedom coach Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com or text 'GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation   Complete episode transcript: Keith Weinhold  0:01   welcome to GRE. I'm your host. Keith Weinhold, how do other audiences feel about the GRE mantras that we've come to love here, like financially free beats debt free and don't get your money to work for you? Then sometimes it's not what you're attracted to in life, but what you're running away from finally comparing the returns from six major asset classes over the past century all today on get rich education    Keith Weinhold  0:29   since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors, and delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show guests include top selling personal finance author Robert Kiyosaki, get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast or visit get rich education.com   Corey Coates  1:18   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  1:34   Welcome to GRE from Kennebunkport, Maine to Bridgeport, Connecticut and across 188 nations worldwide. It is the voice of real estate investing since 2014 I'm Keith Weinhold, and I'm grateful to have you here with me, and we're doing something a little different today, as you'll soon listen in to me as I was on the hot seat being interviewed on another prominent real estate show. But first, when you pull back and ask yourself, why you're really an investor in the first place? There are so many reasons. Maybe you just want a few properties in order to supplement your day job income. Maybe you want to have more than a few so that you can completely replace that active income, or perhaps rather than going the route of building up your cash flow, which is valid, but some think that it's the only way to real estate financial freedom. Instead, you could own, say, nine doors or 22 doors, and even if they all had zero cash flow, you can just keep borrowing against that leverage and equity tax free and live off of that whatever you do when it comes to your day job, income, your degree of disdain for your nine to five job that is going to be greater or less than it is for some others. So your motivation for self improvement, it isn't always about what you're running to in life, which could be real estate investing, but it's also what you're running away from, especially if you don't get a deeply rooted sense of meaning from your job. So you could have both a push factor and a pull factor in what motivates you. There's a scene from the 1999 movie Office Space that just does this incredibly unvarnished job of saying out loud how so many of us feel today. What I'm going to share with you, I mean, you know that you have felt this at least once in your life. Office space wasn't supposed to be a mega hit movie, but it kind of was, because it's so relatable. Let's listen in to part of this clip. This is Ron Livingston playing a disgruntled male employee talking to Jennifer Aniston at a restaurant about his job in the movie Office Space.   Speaker 1  4:09   I don't like my job, and I don't think I'm gonna go anymore. You're just not gonna go. Yeah, won't you get fired? I don't know, but I really don't like it, and I'm not gonna go.   Keith Weinhold  4:24   Then it continues when she asks. So you're just gonna quit? No, not really. I'm just gonna stop going. When did you decide all of that? About an hour ago? Really? Yeah, aren't you going to get another job? I don't think I'd like another job. What are you going to do about money in bills and all that? I've never really liked paying bills. I don't think I'm going to do that either.   Keith Weinhold  4:53   That's it. That is the end of that classic dialog from office space that we can. All relate to you did not wake up to be mediocre, but a lot of people's jobs pummel them into a rather prosaic state. You were born rich because you were born with this abundance of choices, this huge palette in menu, but society often stifles that and makes you forget it, and it gets really easy to just fall into your groove and stay there. The main reason we aren't living our dreams is really because we're living our fears. Failure doesn't actually destroy as many dreams as people think fear and doubt. Does fear and doubt destroy more dreams than failure ever does financial runway? That is a phrase for the amount of time that you can maintain your lifestyle without the need for a paycheck. And it's critical for you to lengthen this runway if you hope to retire early, and it will dramatically reduce your stress level. An example is say that you currently earn 150k per year after taxes, and you spend 126k of that, all right. Well, that means you've got a surplus of 24k a year. Well, it's going to take you a little over five years to accumulate that 126k that you need to annually support your lifestyle. That's what happens if you don't invest. And see investing helps you lengthen your financial runway, that amount of time you can maintain your lifestyle without the need for a paycheck. That's what we're talking about here. Last week I brought you the show from Caesar's Palace in the center of the Las Vegas Strip. So therefore, what I've done is I have gone from the ostentatious and flamboyant over here to the familial and simple as this week I'm in Buffalo New York, broadcasting from a somewhat makeshift GRE studio here, the Buffalo Bills had a home game yesterday, so the city and hotels are busier than usual. Next week, I will bring you the show from upstate Pennsylvania, as I'm traveling to see my family. Let's listen in to me on the hot seat. I was recently a guest on Kevin bups long running real estate investing show. You're going to get to see how I present information and GRE principles for the first time to a different audience. And as I do, you're going to hear me provide new material, but you'll also hear me say quite a few things that I have told you before, even then, the concepts might land differently when I'm explaining them to a new audience. The show is based in Florida, so We'll also touch on the real estate pain and opportunity there. After I'm interviewed, I'm going to come back and tell you about something fascinating. I'm going to compare the returns from six major asset classes over the past century, since 1930 anyway, and that's going to include the first time on the show where I'll tell you real estate's annual appreciation rate over the last entire century. Just about what do you think it is? 8% 5% 3% you're gonna have, perhaps the best answer you've ever had. Here we go.   Kevin Bupp  8:31   Now, guys, I want to welcome back a guest that we've had on. It's been a number of years now. Keith Weinhold, I went back to look at the last episode we had him on. I think it's been about four years. So, you know, four years ago, the world was in the very different state. It was a very different time. And so, you know, thankfully, we're out of the covid era and on to newer and greater things. So for those that don't know Keith, he's the founder of get rich education. He's the host of the popular get rich education podcast. He's a longtime thought leader in the real estate investing space, and like myself. Keith was also born and raised in Pennsylvania. For those that know don't know, I was born and raised in Harrisburg, Pennsylvania, Keith, I believe, a couple hours away from where I was. But Keith has very much a unique perspective on wealth, building debt, and really the housing market as a whole. And today, you know, we'll be diving into everything you know, from why the property itself? This is something that Keith kind of coins, why the property itself is less important than you think, to how the housing crash has already happened in a way that most people don't even realize, to the role inflation and debt play in building long term wealth. And so again, it's been a number of years here, so I'm excited to welcome Keith back here. So my friend, Keith, welcome to the show. It's it's a pleasure to have you back here again, my friend.   Keith Weinhold  9:43   Oh, Kevin, it's good to be here and be in the auspices of another fellow native Pennsylvanian as well.   Kevin Bupp  9:49   That's right, that's right, yeah, no, Pa is rocking and rolling as I think I told you this little, this little tidbit last time everyone, every time I speak with someone from Pennsylvania, they never know this. But I'm going to share this fun fact. Are you already know, Keith. I'm gonna share it with the rest of the listeners here today, Pennsylvania, those that are born and raised there. It's the only state where, if you're from Pennsylvania, you refer to it by its initials, and you assume that everyone else, everywhere else across the country, they know what you're talking about when you say I'm from PA and that's the only state that does that. So I think it's pretty neat.   Keith Weinhold  10:19   That's right. No one else does that. No one else says, I'm from TN, if they're from Memphis, right?   Kevin Bupp  10:24   They don't, they don't. So with that, my friend. So, you know, it's, again, it's been a number of years since we, since we had you last on here, you know, let's start with just, let's back up a little bit. You know, what have you been up to? I mean, what, what have the last few years look like for you? Where have you been spending your time, energy and efforts? Obviously, it's, you know, we've gone through some quite a bit of turmoil over the last five years, and would love to just get an update as to what's going on your life.    Speaker 2  10:48   Well, one of the big words in real estate investing, we all know it, even the person that cuts your hair and cleans your teeth knows it, and that's affordability. You know, really, affordability has been under fire, under pressure. By a lot of measures, we have the worst affordability for home buying since the early 80s, when the Jeffersons was on television. So it's been helping a lot of people deal with that. It's really the effect of three things, general inflation, higher home prices and higher mortgage rates. Really, those three things the crux of the problem. It's not exactly inflation, really. It's the fact that over the long term, wages don't keep up with inflation. And really that's the crux of the affordability problem. So I've been helping people deal with that and put that in perspective, really, Kevin,   Kevin Bupp  11:42   what does that mean for, you know, investment, real estate? I mean, are you still still doing deals? Are you seeing deals still get done by your students? I mean, what? What's your world look like?   Keith Weinhold  11:52    Yeah. I mean, I think you're asking, you know, how many deals are taking place? One way to measure that on a national basis is existing home sales. You know, existing home sales have been down substantially. And when a lot of people hear that, they think, prices, oh no, we're not talking about prices. We're talking about existing home sales. That means sales volume. That means the amount of overall transactions. So to give an idea of a real estate market, a residential one that's become pretty lethargic and not very vibrant, is that sales volume. It had its recent peak of about 6 million home sales back in 2021 I mean, 2021 was crazy, kind of the crux of the pandemic, you know, Kevin, that's when for an open house. You saw cars wrapped around the block for just one open house. Okay, well, that year 2021 there were 6 million existing home sales. Today, we're on pace to do about 4 million, and we also did only about 4 million last year. So if you put that in perspective and think about what that means, prices have stayed stable, but that's a 33% reduction in transactions. So investors, you know, people like you and I, Kevin, we're not as affected by this as some other industries. But think about the mortgage loan industry. If you're doing 33% fewer transactions, think about the hard decisions companies have to make and lay people off. 33% fewer transactions for title companies. It's probably close to 33% fewer transactions for furniture companies as well. So really it's both affordability that's been a problem, and that's led to this relative lethargy, kind of a slow, not very interesting residential real estate market, at least from the transaction perspective, really, really slow.   Kevin Bupp  13:58   But Could, could one not argue, I don't know the data points. Keith, I guess, what did it look like? 2021? Was kind of the peak. I think you'd reference 6 million units a year. Transactionally, what did it look like prior? What, what was, what was a more normal year like? And maybe 2020, wasn't a normal year either, right? Because a lot of folks thought the role was ending for a period of time. You know, 2019 maybe just again, trying to, trying to find maybe a better baseline to use. And then, you know, does, I guess, in my mind, and I don't follow these data points as much as you do, is that maybe 2021, was, you know, somewhat artificial inflation, right? Lots of lots of money pumping into the marketplace. And ultimately, we had to get back to a sense of normalcy at some point in time. And so are we at a at a place of normalcy? Are we still behind the eight ball a little bit?   Keith Weinhold  14:44   We're still behind the eight ball a little bit. 5 million is more of a normal long term number. But yeah, I mean, if we've got 4 million now, that's, you know, 25% less still than 5 million, sort of this long term normalcy rate of existing. Home transactions. And if you're a careful listener, you notice I've been using the word existing that doesn't include new build. So you know, when you the listener out there reading headlines, always look at that closely. We talking about existing? Are we talking about new build? You can learn a lot from that when you introduce new build data that introduces an awful lot of noise. For example, even when we look at prices, sometimes we want to exclude new construction. So why is that? Why do we want to focus on existing a lot? Well, because new build can introduce a lot of aberrations to the market. For example, the size of new build properties has dropped substantially the past few years, again, coming back to the central theme of affordability to help make a home more affordable. So we're not looking at same same when the square footage of a property drops a lot. And also, another thing that's been happening as a response to the lack of affordability is you have more builders building further and further out from a central business district where there are lower land costs for that new build property as well to help meet affordability. So the takeaway is, yeah, we want to be careful when we look at numbers. Are we looking at existing? Are we looking at new? Are we looking at overall properties.   Kevin Bupp  16:22   If you believe that if rates come down, we really is that the is that the lever that has to be pulled in order for that transactional volume to kick back up and, you know, make homes more affordable for the average home buyer,   Keith Weinhold  16:34   yeah, it's certainly going to help. I mean, really lower rates is the most likely significant lever that can help with the affordability crisis. Prices are pretty firm. Home prices are up 2% year over year. It's difficult for home prices to fall. In fact, home prices have only fallen one time substantially since World War Two. A lot of people don't realize that. So home prices are firm. I expect them to stay firm. And then the other lever is if we get a huge surge in wage increases, which I really don't expect anytime soon, unless we have another really big bout of inflation. So to your point, yes, lower mortgage rates like, that's the biggest lever that can help affordability return. And to speak to mortgage rates, Kevin and help put all of this into perspective, including this affordability component, is the fact that today, mortgage rates are low, and that gives a lot of people pause. They're like, What are you talking about? Mortgage rates were 3% even as low as two point some percent, just as recently as 2021 and early 2022 What are you talking about? Like, mortgage rates are 2x to 3x that today we look at a long term perspective when we look at the arc of mortgage rates, instead of in setting up expectations where we think rates could go. And we need to look at a frame of reference. Mortgage rates peaked over 18% in 1981 that's if you had a good credit score and everything on a 30 year fixed rate mortgage. That's what we're talking about here. In fact, Freddie Mac, they're the ones that have the best, most reliable stat set for mortgage rates, and that goes back to 1971 the average mortgage rate since 1971 all the way up to today, through all these presidential administrations you know, Nixon and in the Reagan years, and Clinton and the bushes and Obama, everything You know up to today, from 1971 until today, the average 30 year fixed rate mortgage is 7.7% so that's why I talk about how mortgage rates are, you know, moderate to a little low today. That takes a lot of people back. I don't see any impetus. It's going to get us back to, say, 3% mortgage rates. So some real perspective here.   Kevin Bupp  19:06   Yeah, yeah, no. And, you know, the interesting thing again, you might have data points on this to see, is a lot of the lack, do you feel that a lot of the lack of transactional volume is also related to those folks that have locked in, you know, 3% you know, mortgages, right? Like they're they, why would they sell and ultimately trade into a, maybe a, you know, a, you know, upgrade of a home, but ultimately be paying significantly more than that of what they're paying at the present time, you know, double the cost of capital. Your rates today, 30 year, rates are where the six and a half, 7% range, I don't follow it, but yeah.   Keith Weinhold  19:42   I mean, as of today, 6.3% is is where they're at. But yeah, you have a lot of those homeowners locked in to low rates. I mean, first, if we just pull back and look at the overall homeowner landscape, four in 10 have a paid off property. So just to talk to those about the other. Or 60% that percentage that are mortgage borrowers, among borrowers, 70% still have a mortgage rate under 5% meaning it starts with a four or less. So yeah, you're bringing up astutely Kevin the lock. In effect, people are reluctant to sell and give up that rate to trade it for a higher rate. And here's what's interesting, a lot of people if they couldn't make the payments on their home and say they lost their home, something that actually happened a lot in 2008 when people were locked into in sustainable mortgages because they didn't have good credit and they didn't have good income, the borrower is in good shape today. But even if, for some reason, they couldn't make the payments on their home, and they lost their home and they had to rent. Rents are actually higher in many cases, than what that mortgage principal and interest payment is. Maybe even the mortgage principal interest, taxes and insurance that they pay today are lower than what comparable rent would be, and this helps stabilize the housing market, people are really motivated to make their payments, and they can easily do it when it is so low, speaking to that lock in effect, and we're bringing up another reason now why transaction volume is so low, that lock in effect. So homeowners are in good shape. Their payments are sustainable. They don't want to sell, and they're just staying put. They're staying in place   Kevin Bupp  19:42   tying that all back around. Keith, what does that mean for us real estate investors? I mean, is there still good value out in the marketplace? I mean, is the rent to value ratio still, you know, Is there good opportunity to be had, as far as ROI for an investor that wants to buy into a residential investment or a multifamily investment, or anything related to that of residential housing?   Keith Weinhold  19:42   Well, the deals in the one to four unit space, single family homes up the four Plex buildings, yeah, just are not as good as they used to be. The ratio of rent income to purchase price is lower than it was five years ago. And that's so simple, but that's just really the simplest formula for profitability for a real estate investor, you don't have to look at cap rate or or NOI in the one to four unit space. Let's just look at that ratio of rent income to purchase price. 20 years ago, it was easy to find a full 1% meaning, on a 200k property, you could get $2,000 worth of rent income. That's that 1% ratio. But now oftentimes you've got to find something that's more like seven tenths of 1% that would be a $1,400 rent on a 200k property. So that simple formula, and I love that, the rent income divided by the purchase price when I'm looking at properties, when I'm scrolling or scanning like that's a calculation you can do in your head. It's only if I would see a ratio that appears really good, oh, that I would like drill down and look at that property more closely. So of course, when you have something that is that simple, though, rent income divided by purchase price, there's a lot of things that doesn't tell you. You know, what kind of mortgage interest rate can you get? What kind of property tax Do you pay in that jurisdiction? But really, I love the simplicity. That's it, rent divided by price, but it has been under attack. Now today, I still don't know where you're going to get a better risk adjusted return than you do with a carefully bought income property with a loan. I've always liked fixed interest rate debt the best risk adjusted return anywhere. I really don't know of a better one than with buying real estate, because real estate investors have so many profit centers, five simultaneous profit centers, which few people understand. Yeah.   Kevin Bupp  19:42   So using that, I want to, I want to unpack the the 1% rule a little bit for those that aren't familiar with it. And again, there's a lot of variables there, as you had mentioned, you know, mortgage rate, taxes, insurance and that respective market that you that you're buying in, and so what? What are you really trying to back into when applying that rule? Is there? Is there? Is there a true cash on cash return that you're hoping to achieve, again, assuming all these other variables that we just don't know, what they are at this point, you know? Is there a target range of actual ROI that you're actually looking to achieve when applying that 1% rule?   Keith Weinhold  19:42   No, I'm just looking for any positive cash flow. You know, to your point, yeah, there's nothing like the cash on cash return needs to be at least three and a half percent or something like that. But, yeah, I still like buying a property that's that's greater than a break even. Inflation is probably going to increase your cash flow over time, even if you bought a property that that broke even or just had a trickle of cash flow or a $100 cash flow today, a lot of people don't understand that fact that right there you can't count on it, you shouldn't count on. Getting rent increases. But we all know it generally happens over time at a rate of about 3% a year, but it actually increases your cash flow. If you increase your rent 5% your cash flow can often increase something like 12% why is that? How could that happen? That's because, you know, it's key for the person that was listening closely, you get fixed interest rate debt, so your rent income goes up, your expenses increase, except for that mortgage principal and interest. Inflation can touch it. It's kind of like a mosquito buzzing against a window and always trying to get in. And inflation can't touch that in a way. It's sort of like debt that's an asset in some unusual way, or some play on words, getting that debt so So yes, you can't count on rent increases over time. We know what typically happens, and that's really part of the compelling value proposition of buying income property with a loan. You're sort of leveraging inflation. You're really on the right side of it.   Kevin Bupp  20:08   Are there any particular markets that you feel are ripe for opportunity today where you're spending your focus and energies in?   Keith Weinhold  20:08   Yeah, it's still in high cash flowing markets like Memphis, okay, little rock and a good part of the Midwest and the Midwest still has home prices appreciating faster than the national average as well. So those are some of the areas that I like. Those jurisdictions also tend to have laws, as your listeners might know this already, Kevin, they tend to have laws that benefit the landlord more so than the tenant, where you can get a prompt eviction, but those are still the areas where you do get that high ratio of rent income to purchase price on a single family rental home, you might still find eight tenths of 1% meaning $800 worth of rent for every 100k of property purchase in places exactly like that.   Kevin Bupp  20:08   I was hoping that you tell me 1% rule would is applicable.   Keith Weinhold  20:08   It's pretty rare. You know, if you do see, if you do see a property that has a full 1% rent to purchase price ratio, it could be in a sketchy area, you need to make sure that you can actually get the rent in like you would get a respectful rent paying tenant in there. That's something that we would have to look at more closely.   Kevin Bupp  20:08   Have you explored building new product? Is there an opportunity there getting at a lower basis by building ground up?   Keith Weinhold  19:42   You asked such a smart question. This is actually the first time ever, as long as I've been an active real estate investor, Kevin for more than 20 years where new build purchases for income property make more sense than existing purchases. Why is that? It's because builders know that investors and borrowers are struggling to buy and afford property and make the numbers work. Like you're talking about, that builders are incentivized to buy down your rate. For you, to buy down your mortgage rate, we deal with a lot of providers that buy down your mortgage rate to 5% or less for you, and this is a fixed, long term loan in order to help get the numbers to work. You know, especially where you might see a new build property where the rent to purchase price ratio is less than seven tenths of 1% and it's just like, ah, the numbers wouldn't work paying a higher mortgage rate, but some are willing to buy them down to as little as four and a half. However, if you're looking into buying a new build income producing property, you do want to look at that closely. Who is paying for the discount points to buy down the rate. Is it the builder, or is it you? Because some builders just suggest, hey, you can buy down. You can have your rate bought down. But yeah, the next question is, yeah, okay, who is actually doing the buy down? Yeah.   Keith Weinhold  19:43   I mean, just getting tacked on. I mean, in that instance, I'm assuming that a lot of it's just getting tacked on to the to the back end of the purchase price, or it's being baked into closing costs somewhere somebody is paying for it. More than likely the borrower is paying for it. Paying for it. Is that? Is that? Again, I'm assuming we probably have that here in Florida. Again, I don't really follow the residential market too much, but there's, as you had mentioned, like, kind of on the the outskirts of Tampa, the tertiary, necessary, tertiary, probably more secondary areas. That's where a lot of the builds are happening. Lots of these, you know, planned subdivisions. You know, hundreds and 1000s of homes being put up. And in my understanding, through the grapevine, is I hear that they're, you know, sales volumes is incredibly slow, and a lot of these builders are now offering some creative loan products, again, to what you've just stated there, to attract, not necessarily even just homeowners, but also investors, to come in and buy their product from them. Is, is there a real opportunity there, though? I mean, have you seen investors be able to benefit from buying brand new product at a fair price, with economics at work keeping as a rental?   Keith Weinhold  29:53   I have and Florida has some builders that are almost desperate. I'm a long time investor. Know personally, directly in Florida, income property, Southwest Florida, places like Cape Coral, they have been ground zero for real estate depreciation, a contraction in real estate values year over year of 10% or more in some southwest Florida markets. So like the post pandemic, migration boom is certainly over in Florida. And you know, Kevin, as little as 10 years ago, people used to talk about buy in Florida. It's cheap, it's sunny, cheap and cheerful, like you would sort of hear that sort of thing about Florida real estate. That is no longer true. Florida just is not as cheap as it used to be. It's the same or higher than the national median home price now in Florida. So yes, some builders are rather desperate. The other benefit of buying new build, especially in a place like Florida, where a lot of new building has taken place and the supply actually exceeds the demand here in the short period. You can take advantage of that, not only by getting the rate buy down, but because homeowners insurance premiums are substantially less on new build property, because they're built to today's wind mitigation and other standards than they are existing property. I have a friend that just bought a new Florida duplex through us in Ocala, Florida. That's sort of a central, North Central Florida, on that new build duplex that he paid 400k for. I saw the actual insurance premium, the the rate sheet, $694.06 $694 694 so the benefit of buying new build is you get a lower insurance premium. You get these rate buy down. Sometimes what your builder will buy for you make for you rather and of course, you're probably going to have low maintenance costs for a long time, since it's a new build property, and you get a tenant that is probably going to stay longer than the average duration. They're the first person to ever live there. It's difficult for the tenant to improve their housing situation when they have a new build income property, unless they would go out and buy, and it's a very difficult time to go out and buy. So through that lack of affordability, really, the advantage for a real estate investor is tenants are staying put longer. The average tenancy duration is up because they can't run out and be a first time homebuyer.    Keith Weinhold  32:32   You know, most people think they're playing it safe with their liquid money, but they're actually losing savings accounts and bonds don't keep up when true inflation eats six or 7% of your wealth. Every single year, I invest my liquidity with FFI freedom family investments in their flagship program. Why fixed 10 to 12% returns have been predictable and paid quarterly. There's real world security backed by needs based real estate like affordable housing, Senior Living and health care. Ask about the freedom flagship program when you speak to a freedom coach there, and that's just one part of their family of products, they've got workshops, webinars and seminars designed to educate you before you invest. Start with as little as 25k and finally, get your money working as hard as you do. Get started at Freedom, family investments.com/gre, or send a text. Now it's 1-937-795-8989, yep. Text their freedom coach directly. Again. 1937795898, 77958989   Keith Weinhold  33:44   the same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your prequel and even chat with President chailey Ridge personally while it's on your mind, start at Ridge lending group.com that's Ridge lending group.com   Todd Drowlette  34:17   this is the star of the A and E show the real estate commission. Todd Rowlett, listen to get rich education with my friend Keith Weinhold, and don't quit your Daydream.   Kevin Bupp  34:38   That even trickles down to the to the space that we're in. We're in the mobile home park space. And while we don't have a lot of rentals inside of our portfolio, most of our residents own their home and they rent the land, but throughout our portfolio, we have roughly 400 units that we own that we have as standardized rentals, and we've noticed that trend as well. Historically. 10 years ago, you. Yeah, we track actually about, I can take it back about eight years, where we actually have data to support this. This claim is that our average renter would stay about 16 months. That was fairly standard. Whereas today it's over, it's nearly three years. At this point in time, the majority are staying nearly three in there's probably, there's some variables in there. You know, eight years ago, we weren't bringing a lot of new product into our communities, whereas a lot of the mobile home parks that we purchased today do have a lot of newer mobile homes in them. So again, to your point, it's, it's a it's a newer home. It's fresh. There might not be the first person that lived there, maybe they're only the second, right? But it's still a very new home. It's only a couple years old. All the appliances are new. It's fresh, you know, it's well insulated, and it's just a high quality product, but, but it's nearly double of what we used to experience and what we used to underwrite. It's, you know, which is, which is interesting. You know, I am, I want to, I want to circle back, you'd mentioned Cape Coral. I've got quite a bit, quite a bit of experience with Cape Coral. This is not the first time that Cape Coral and Port Charlotte in those areas have crashed. I mean, like, they've got quite an interesting history in time, back during the GFC, that area down there took probably one of the biggest hits in most of Florida, while, you know, the rest of Florida got, you know, pounded pretty hard with home values and decreasing home values decreasing rents, Port Charlotte, Cape, coral, in those areas as well. It's just It looks very different down there today. As far as you know, the job basis. I mean, there's a little bit more of a, you know, you know, an economy than what existed maybe 1015, years ago. But I don't know if you know the story of Port Charlotte. Is it some interesting history that you can if you want to spend some time, go on YouTube. There's some documentaries out there about, basically when that area was created. There's a two brothers that, essentially, you know, sold, subdivided and sold swampland and sold the dream to the northeast centers to come down and buy, you know, parcels of land down in Cape Coral, port, Charlotte and in that general area. And it took a lot of time for it develop over the years, but it's a beautiful area down there. But again, I think what happened to your point? A lot of folks during the covid era were wanting to come to Florida. We were fairly free down here. The sun was shining, you know, the Gulf of Mexico was warm, and that was a good value for a lot of folks. You know, the values were driving up there. Was home inventory down there. You got a good bang for your buck back at that point in time. But again, there's not, there's not as much as many amenities and supportive economy there. And then to me, there, like you might find in the Tampa area, or you might find Orlando, or even Ocala cow is a phenomenal market right now. And yeah, oh, Cal is, for those that don't you know you mentioned, you referenced the insurance there, which is, that's a great, that's a great price for that, that policy, you know, 700 bucks, basically, that is inland. For those that don't know the geography here in Florida, that is inland. So you are fairly protected from storms, you know, hurricanes and things of that nature, which crush us here on the on the Gulf Coast. But in any event, I just thought I'd share that there's some good, pretty cool documentaries out there in Port Charlotte, in the whole area down there, but a beautiful part of the country. But just Yeah, it's, it's suffering right now. There's, I think there's, I was looking the other day on Zillow. I just play around and check and see what waterfront home prices are going for. And down there, you can basically get a you can get a canal front home going out to the Gulf of Mexico for about $500,000 which was probably closer to 800,000 during, you know, the the boom era of 2021 2022 So historically, we used to buy properties down there. This is back in 2000 and 345, before the the GFC, we could buy those same properties for 150 and $200,000 waterfront home, waterfront homes, deep water canals going out to the Gulf of Mexico. But when it crashed, some of those homes were selling for $120,000 $100,000 so it's interesting to see how things have come kind of full circle multiple times, not just down there, but in all of Florida as well. Florida is always boom and bust. You know, I think they say that with you know, you could probably speak to that most of these coastal towns, whether it be in Florida, whether it be up the eastern seaboard, the coastal markets are definitely more of a roller coaster ride than the Midwestern markets, where you invest in would you? Would you agree with that?   Keith Weinhold  39:09   Yeah, I would. And yeah, you talk about Florida being a boom and bust, and what you said is certainly true in the shorter term. Back in the global financial crisis, we saw more price blood letting in Florida than we did in other states as well. But over the long term, the long arc, I'm bullish on Florida because of just the obvious constant in migration story. In fact, if you go back to decennial censuses, all the way back to the early 1800s every single decennial census, every 10 years, the population of Florida has rose, and it rises faster than the national average, almost all of those 10 year periods. So yeah, over the long term, I certainly like Florida, but Yeah, you sure can, you know, nitpick over the. Short term, but as little as five years from now. If you bought today, as little as five years from now, I could see someone saying, like, yeah, I bought back five years ago, because we're actually in a in a short term, overbuilt condition, and builders bought down my rate. For me, this could look savvy and this could look wise. So if you're looking for opportunity, new building Florida is definitely something to look into.   Kevin Bupp  40:22    I agree. No, absolutely. Like, the long term, you know, opportunity here in Florida, it's there, you know, it's interesting. We've got the we get these hurricanes every year. Last year was a pretty impactful year, at least here on the on the Gulf side, and the neighborhood I lived in, we got flooded. Luckily, our homes in newer builds built up. But, you know, 70% of the neighbor I lived in had 444, or five feet of seawater. And as did the, you know, the long stretch of the Gulf Coast here, and it was the first time this area has ever this immediate air right where we live, has ever had a it wasn't even a direct hit. It just happened to be a massive storm surge. But it was, you know, catastrophic as far as the damage that it did. And a lot of folks that we knew in our neighborhood here. Have lived here for 1020, 3040, or 50 years, and they had never had any floodwater whatsoever. And and there was two camps where they fell in either one camp where they didn't, they whether they had the money to rebuild or not, didn't matter. Like, mentally, they were never going to end up. They were never going to deal with that again. They were moving away, like they just didn't want to go through the heartache of that again. In the second camp, we're basically, I knew it was going to happen at some point in time. This is the kind of price to live, to pay, a live in paradise and and what ultimately occurred is, you know, you saw homes going up for sale, and in the initial chatter for those that that were impacted, is that, who's going to buy that? You know? You know, they're not going to get hardly anything for it. You know, it's just like, who's going to want to live here now that has been flooded. I said, Just wait. I'll say people have us as human beings, have short term memories. We do and and I can promise you, within a few months, those homes will be gobbled up, some will be knocked down, some will be rebuilt, but inevitably, the prices will come back incredibly strong, and you'll see very limited inventory, at least in desirable markets that are here on the water. And that's exactly that happened. Within six month period of time, prices are back up. You can't get your hands on a flooded property now, or one that had been flooded, right?   Keith Weinhold  42:12   I can believe it. And this is not the way that you want to have a waterfront property when the water inundates you and comes to you, that is not the way to buy waterfront property.   Kevin Bupp  42:23   Yeah, interesting, but, uh, no, Keith has been a fun conversation, my friend. So let's, let's talk about, you know, I like to you'll peek inside your brain if you were going to start all over again, from scratch, you know, you've been at this now, what? How long? Almost two decades. It's been, been quite   Keith Weinhold  42:38   Yes, yes, more than two decades. Is that what you're asking, how would I start, starting from today?   Kevin Bupp  42:47   Yeah, like, what would you do? Where would you focus, what asset type and any particular strategy outside of what you're doing today? You know, where would you focus your time?   Keith Weinhold  42:55   Actually, it is quite a coincidence. The way that I would start all over again in real estate is the way that I did start in real estate. It worked out phenomenally, in a way it makes sense, because if it hadn't worked out phenomenally, you never would have heard of me, and I wouldn't have become this real estate thought leader or whatever, because this is a way, an everyday person with virtually no real estate knowledge and very little money. Can start out, what I did is I made the first ever home of any kind, a four Plex building where I lived in one unit and rented out the other three. This is something very actionable for your for your audience as well, Kevin. Or if maybe you're a listener that has a an adult daughter or son and they want to get started in real estate with a bang without much money, is to buy a four Plex, just like I did. You can use an FHA loan, a three and a half percent down payment. You have to live in one of the units at least 12 months, and at last check, your minimum credit score only needs to be 580 now you will get a lower interest rate if you have a higher credit score. But those are the only three criteria you need. I mean, what a country talk about? The American Dream. You can use that FHA program with a single family home, duplex, triplex or fourplex, that's the formula. That's how I began. Actually ended up living there a little more than three years. But what that did for me was remarkable, and in fact, you know what it taught me? Kevin and every listener can benefit from this. It's paradoxical. A lot of times I say things that you would not expect to hear that make you go, wait what? Whoa, how can that be? Is what it taught me is that I don't want to focus on getting my money to work for me. You probably wouldn't expect to hear that. It's actually a middle class paradigm to say, well, I don't want to work for money. I also want to get my money to work for me. I'm telling. You that that's going to keep you middle class, or worse, that's going to keep you working until old age, and you won't have an outsized life and retirement and options. If you think that the best and highest use of your dollar is getting your money to work for you, it's not what's the paradigm shift if this four Plex building taught me the way I started out, which is still the way that I would start out today, and you probably heard this before, but I'm going to put a new twist on it. Is you want to ethically get other people's money to work for you, and we can be ethical. We can do good in the world. Provide housing that's clean, safe, affordable and functional. Never get called a slumlord that way. You can employ other people's money three ways at the same time, ethically by buying an income property with a loan, like we've been talking about in Florida, or with this fourplex building. How do you do it three ways at the same time, using the bank's money for the loan and leverage, which greatly amplifies your return beyond anything Compound Interest can do. The second of three ways you're ethically employing other people's money is you're using the tenants money to pay for the mortgage and some of the operating expenses on this fourplex. And then the third way you're simultaneously using other people's money is using the government's money for generous tax incentives at scale. So the lesson is that the best and highest use of your dollar is not getting just your money to work for you, it's other people's money, in this case, the banks, the tenants and the governments. That's what you can do. I mean, what an opportunity. A lot of people just don't even know about that FHA program.    Kevin Bupp  46:41   Yeah, I actually, I wasn't, I wasn't aware that it was that low of a down payment key. That's no idea. Three and a half percent, you said, a 550 credit score, believe me, 580 minimum credit.   Keith Weinhold  46:51   And you have to, thirdly, you have to owner occupy a unit for at least 12 months. And hey, I'm not saying it's always easy. You know, you got to think about that. Your neighbors are also your tenants. And I don't know how to fix stuff. I still don't. I'm a terrible handyman, but it's good to learn a little about about human relations. And you know, letting finding a general way to let the tenants know that you have a mortgage to pay every month. I mean, just that alone can can help them ensure timely rent payments. But, and this also doesn't mean every area, or every four Plex building is is good, but, yeah, that's the opportunity. That's how I started. I would totally do it again.   Kevin Bupp  47:27   Can you use that FHA program more than once? Or is that just the one time you know your first, first, first primary home purchase?   Keith Weinhold  47:34   It's generally you can only use one at a time. There are some exceptions, like if you and your job move, like, a certain mile radius away from where you got the first one, but, yeah, generally it's only going to be one at a time. A lot of people don't use it. Don't know about it. In fact, if you have VA benefits, Veterans Administration benefits, you can get a similar program, like I was talking about, but zero down payment, rather than three and a half with an FHA loan. It's a really good, amazingly good opportunity.    Kevin Bupp  48:05   That's incredible. That's incredible. Keith, my friend, I appreciate you coming back going. It's always good to catch up with you. Good to see that you're doing well.   Keith Weinhold  48:17   Oh yeah, a terrific chat there with Kevin. I hope that you like that really. At our core, real estate investors are not day trading. We are decade trading. Now I'm in western New York today, at the other end of the state, NYU compiled some terrific statistics that you want to hear about for nearly the past 100 years. It is the annualized returns of six major asset classes. This spans, the Great Depression, a number of recessions, World War Two, the New Deal, gold standard, abandonment, brendawoods, the Cold War, Civil Rights Movements, oil shocks, Volcker rate hikes, the.com boom and crash, the 911, attacks, the housing bubble, covid, 19, AI revolution and 16 presidencies, all those ups and downs and war and peace and economic booms and economic lows, and now there is going to be a mild tongue in cheek element here, because stats like this drive real estate investors crazy, but this is often how mainstream media portrays asset class comparisons. All right, the six asset classes are stocks, cash, bonds, real estate, gold, and then inflation, which isn't in an asset class, but it's a benchmark. All of these begin from the year 1930 so spanning almost 100 years. Let's take it from the lowest return to the high. Best return the lowest is inflation. And what do you think the CPI inflation rate is averaged over the last 100 years? Any guess at all? You might be surprised. It is 3.2% Yeah, even though the Fed's CPI inflation target has long been 2% it runs hot longer than most people believe. So therefore, today's inflation rate isn't high, it's just normal. The next highest return is cash at 3.3% How did NYU measure that the yield from three months T bills? Next up is bonds. They returned 4.3% that's the 10 year treasury average of the last 100 years. The next highest is real estate at 4.7% that uses the K Shiller Index. Now we're up to the second highest. It is gold at 5.6% and the highest is stocks at 10.3% using the s, p5, 100, and this was all laid out in a brilliant chart that also shows the returns by each decade for all of these asset classes. You'll remember that I shared the chart with you in our newsletter a few weeks ago. Now you are smarter and more informed than the layperson is, you know, but they see this chart and they think, Oh, well, that's it. I've got my answer. Real Estate's 4.7% appreciation loses out to gold's 5.6 and stocks 10.3 and then they go back to watching Love is blind. But of course, rental property owners like us know that we often make five times or more than this 4.7% when we consider all those other income streams and profit centers, leverage, rents, ROA and inflation, profiting on our debt, it's often 25 to 30% total. It's sort of like judging a Ferrari by only measuring its cupholders or something. Now, would stocks 10.3% get adjusted up as well? Yeah, probably a little, because the s and p5 100 currently averages a 1.2% dividend yield, so that might be added on the 4.7% return for real estate. That cites the popular Case Shiller Index. And the way that that index works is that it uses a repeat sales methodology. So what that means is that the Case Shiller measures the sales price of the same property over time. Therefore a property would have to sell at least twice in order to be measured by this popular and widely cited K Shiller Index. So then the 4.7% appreciation figure excludes new build homes, and new builds appreciate more than existing homes, but you do have more existing homes that sell the new build homes, so we can pretty safely assume that real estate's long term appreciation rate is higher, likely between five and 6% there it is. So yeah, making comparisons across asset classes like this is pretty tricky, because investment properties leverage and cash flow gets nullified. And when you make comparisons like this, it's a big reminder that even if you can't get much cash flow off a 20 or 25% down real estate payment, sheesh, most people put a 100% payment into stocks, gold or Bitcoin, and they don't expect any cash flow. And Bitcoin isn't part of what we're looking at for this century long view, because it did not exist until 2009 and also NYU had to use some alternative statistics. Sometimes the s, p5, 100 index only came into being in 1957 and the Case Shiller Index 1987    Keith Weinhold  54:02   next week here on the show, I expect to answer your listener questions from beginner to advanced. You've been writing in with some good ones for the production team here at GRE. That's our sound engineer, Vedran Jampa, who has edited every single GRE podcast episode since 2014 QC in show notes, Brenda Almendariz, video lead, brendawali strategy talamagal, video editor, seroza, KC and producer me, we'll run it back next week for you. I'm your host. Keith Weinhold, don't quit your Daydream.   Speaker 3  54:36   Nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC, exclusively.   Speaker 2  55:04   The preceding program was brought to you by your home for wealth building, get richeducation.com  

What does it really take to build a multi-six-figure author business with no advertising? Is running your own warehouse really necessary for direct sales success — or is there a simpler path using print-on-demand that works just as well? In this conversation, Sacha Black and I compare our very different approaches to selling direct, from print on demand to pallets of books, and explore why the right model depends entirely on who you are and what your goals are for your author business. In the intro, Memoir Examples and interviews [Reedsy, The Creative Penn memoir tips]; Written Word Media annual indie author survey results; Successful Self-Publishing Fourth Edition; Business for Authors webinars; Into the Drowning Deep by Mira Grant; Camino Portuguese Coastal on My Camino Podcast; Creating while Caring Community with Donn King; The Buried and the Drowned by J.F. Penn Today's show is sponsored by Bookfunnel, the essential tool for your author business. Whether it's delivering your reader magnet, sending out advanced copies of your book, handing out ebooks at a conference, or fulfilling your digital sales to readers, BookFunnel does it all. Check it out at bookfunnel.com/thecreativepenn This show is also supported by my Patrons. Join my Community at Patreon.com/thecreativepenn Sacha Black is the author of YA and non-fiction for authors and previously hosted The Rebel Author Podcast. As Ruby Roe, she is a multi-six-figure author of sapphic romantasy. You can listen above or on your favorite podcast app or read the notes and links below. Here are the highlights, and the full transcript is below. Show Notes Two models for selling direct: print on demand vs running your own warehouse. Plus, check out Sacha's solo Rebel Author episode about the details of the warehouse. Cashflow management Kickstarter lessons: pre-launch followers, fulfillment time, and realistic timelines How Sacha built a multi-six-figure business through TikTok with zero ad spend Matching your business model to your personality and skill set Building resilience: staff salaries, SOPs, and planning for when things change You can find Ruby at RubyRoe.co.uk and on TikTok @rubyroeauthor and on Instagram @sachablackauthor Transcript of the interview Joanna: Sacha Black is the author of YA and nonfiction for authors, and previously hosted the Rebel Author podcast. As Ruby Roe, she is a multi-six-figure author of sapphic romance. So welcome back to the show, Sacha. Sacha: Hello. Thank you for having me. It's always a pleasure to be here. Joanna: I'm excited to talk to you today. Now, just for context, for everybody listening, Sacha has a solo episode on her Rebel Author podcast, last week as we record this, which goes into specific lessons around the warehouse in more detail, including financials. So we are going to come at this from a slightly different angle in our discussion today, which is really about two different ways of doing selling direct. I want us to start though, Sacha, in case people don't know your background, in case they've missed out. Can you just give us a quick recap of your indie author journey, because you haven't just come out of nowhere and jumped into this business and done incredibly well? Sacha's Indie Author Journey Sacha: No, I really haven't. Okay. So 2013, I started writing. So 12 years ago I started writing with the intention to publish, because I was writing before, but not with the intention. 2017 I first self-published and then two years after that, in 2019, I quit the day job. But let me be clear, it wasn't because I was rolling in self-published royalties or commissions or whatever you want to call them. I was barely scraping by. And so those are what I like to call my hustle years because I mean, I still hustle, but it was a different kind. It was grind and hustle. So I did a lot of freelance work. I did a lot of VA work for other authors. I did speaking, I was podcasting, teaching courses, and so on and so forth. 2022, in the summer, I made a realisation that I'd created another job for myself rather than a business that I wanted to grow and thrive in and was loving life and all of that stuff. And so I took a huge risk and I slowed down everything, and I do mean everything. I slowed down the speaking, I slowed down the courses, I slowed down the nonfiction, and — I poured everything into writing what became the first Ruby Roe book. I published that in February 2023. In August/September 2023, I stopped all freelance work. And to be clear, at that point, I also wasn't entirely sure if I was going to be able to pay my bills with Ruby, but I could see that she had the potential there and I was making enough to scrape by. And there's nothing if not a little bit of pressure to make you work hard. So that is when I stopped the freelance. And then in November 2023, so two months later, I started TikTok in earnest. And then a month after that, December the eighth, I went viral. And then what's relevant to this is that two days after that, on December the 10th, I had whipped up my minimum viable Shopify, and that went live. Then roll on, I did more of the same, published more Ruby Roe books. I made a big change to my Shopify. So at that point it was still print on demand Shopify, and then February 2025, I took control and took the reins and rented a warehouse and started fulfilling distribution myself. The Ten-Year Overnight Success Joanna: So great. So really good for people to realise that 2013, you started writing with the intention, like, seriously, I want this to be what I do. And it was 2019 when you quit the day job, but really it was 2023 when you actually started making decent money, right? Sacha: Almost like we all need 10 years. Joanna: Yeah. I mean, it definitely takes time. So I wanted just to set that scene there. And also that you did at least a year of print on demand Shopify before getting your own warehouse. Sacha: Yeah, maybe 14 months. Joanna: Yeah, 14 months. Okay. So we are going to revisit some of these, but I also just want as context, what was your day job so people know? Sacha: So I was a project manager in a local government, quite corporate, quite conservative place. And I played the villain. It was great. I would helicopter into departments and fix them up and look at processes that were failing and restructure things and bring in new software and bits and bobs like that. The Importance of Business Skills Joanna: Yeah. So I think that's important too, because your job was fixing things and looking at processes, and I feel like that is a lot of what you've done and we'll revisit that. Sacha: How did I not realise that?! Joanna: I thought you did know that. No. Well, oh my goodness. And let's just put my business background in context. I'm sure most people have heard it before, but I was an IT consultant for about 13 years, but much of my job was going into businesses and doing process mapping and then doing software to fix that. And also I worked, I'm not an accountant, but I worked in financial accounting departments. So I think this is really important context for people to realise that learning the craft is one thing, but learning business is a completely different game, right? Sacha: Oh, it is. I have learnt — it's wild because I always feel like there's no way you can learn more than in your first year of publishing because everything is brand new. But I genuinely feel like this past 18 months I have learnt as much, if not more, because of the business, because of money, because of all of the other legal regulation type changes in the last 18 months. It's just been exhausting in terms of learning. It's great, but also it is a lot to learn. There is just so much to business. Joanna's Attempts to Talk Sacha Out of the Warehouse Joanna: So that's one thing. Now, I also want to say for context, when you decided to start a warehouse, how much effort did I put into trying to persuade you not to do this? Sacha: Oh my goodness, me. I mean a lot. There were probably two dinners, several coffees, a Zoom. It was like, don't do it. Don't do it. You got me halfway there. So for everybody listening, I went big and I was like, oh, I'm going to buy shipping containers and convert them and put them on a plot of land and all of this stuff. And Joanna very sensibly turned around and was like, hmm, why don't you rent somewhere that you can bail out of if it doesn't work? And I was like, oh yeah, that does sound like a good idea. Joanna: Try it, try it before you really commit. Okay. So let's just again take a step back because the whole point of doing this discussion for me is because you are doing really well and it is amazing what you are doing and what some other people are doing with warehouses. But I also sell direct and in the same way as you used to, which is I use Bookfunnel for ebooks and audiobooks and I use BookVault for print on demand books, and people can also use Lulu. That's another option for people. So you don't have to do direct sales in the way that you've done it. And part of the reason to do this episode was to show people that there are gradations of selling direct. Why Sell Direct? Joanna: But I wanted to go back to the basics around this. Why might people consider selling direct, even in a really simple way, for example, just ebooks from their website, or what might be reasons to sell direct rather than just sending everything to Amazon or other stores? Sacha: I think, well, first of all, it depends on what you want as a business model. For me, I have a similar background to you in that I was very vulnerable when I was in corporate because of redundancies, and so that bred a bit of control freakness inside me. And having control of my customers was really important to me. We don't get any data from Amazon or Kobo really, or anywhere, even though all of these distributors are incredible for us in our careers. We don't actually have direct access to readers, and you do with Shopify. You know everything about your reader, and that is priceless. Because once you have that data and you have delivered a product, a book, merchandise, something that that reader values and appreciates, you can then sell to them again and again and again. I have some readers who have been on my website who have spent almost four figures now. I mean, that is just — one person's done that and I have thousands of people who are coming to the website on a regular basis. So definitely that control and access to readers is a huge reason for doing it. Customising the Reader Relationship Sacha: And also I think that you can, depending on how you do this model, there are ways to do some of the things I'm going to talk about digitally as well. But for me, I really like the physical aspect of it. We are able to customise the relationship with our customers. We can give them more because we are in control of delivery. And so by that I mean we could give art prints, which lots of my readers really value. We can do — you could send those digitally if you wanted to, but we can add in extra freebies like our romance pop sockets, that makes them feel like they are part of my reader group. They're part of a community. It creates this belonging. So I think there is just so much more that you can do when you are in control of that relationship and in control of the access to it. Joanna: Yeah. And on that, I mean, one of the reasons we can do really cool print books — and again, we're going to come back to print on demand, but I use print on demand. You don't have to buy pallets of books as Sacha does. You can just do print on demand. Obviously the financials are different, but I can still do foiling and custom end papers and ribbons and all this with print on demand through BookVault custom printing and bespoke printing. The Speed of Money Joanna: But also, I think the other thing with the money — I don't know if you even remember this, because it's very different when you are selling direct — you can set up your system so you get paid like every single day, right? Or every week? Sacha: Yes. Joanna: So the money is faster because with Amazon, with any of these other systems, it can take 30, 60, 90 days for the money to get to you. So faster money, you are in more control of the money. And you can also do a lot more things like bundling and like you mentioned, much higher value that you could offer, but you can also make higher income. Average order value per customer because you have so many things, right? So that speed of money is very different. Sacha: It is, but it's also very dangerous. I know we might talk about cashflow more later, but— Joanna: Let's talk about it now. Managing Cashflow With Multiple Bank Accounts Sacha: Okay, cool. So one of the things that I think is the most valuable thing that I've ever done is, someone who is really clever told me that you're allowed more than one business account. Joanna: Just to be clear, bank accounts? Sacha: Yes, sorry. Yeah. Bank accounts. And one of my banks in particular enables you to have mini banks inside it, mini pots they call it. And what I do with pre-orders is I treat it a bit like Amazon. So that money will come in — you know, I do get paid daily pretty much — but I then siphon it off every week into a pot. So let's just say I've got one book on pre-order. Every week the team tells me how much we've got in pre-orders for that one product and all the shipping money, and I put it into an account and I leave it there. And I do not touch it unless it is to pay for the print run of that book or to pay for the shipping. Because one of the benefits of coming direct to me is that I promise to ship all pre-orders early, so we have to pay the shipping costs before necessarily Amazon might pay for its shipping costs because they only release on the actual release day. But that has enabled me to have a little savings scheme, but also guarantee that I can pay for the print run in advance because I haven't accidentally spent that money on something else or invested it. I've kept it aside and it also helps you track numbers as well, so you know how well that pre-order is doing financially. Understanding Cashflow as an Author Joanna: Yeah. And this cashflow, if people don't really know it, is the difference between when money comes in and when it goes out. So another example, common to many authors, is paying for advertising. So for example, if you run some ads one month, you're going to have to pay, let's say Facebook or BookBub or whoever, that month. You might not get the money from the sale of those books if it's from a store until two months later. In that case, the cash flows the other way. The money is sitting with the store, sitting on Amazon until they pay you later. This idea of cashflow is so important for authors to think about. Another, I guess even more basic example is you are writing your first book and you pay for an editor. Money goes out of your bank account and then hopefully you're going to sell some books, but that might take, let's say six months, and then some money will come back into your bank account. I think this understanding cashflow is so important at a small level because as it gets bigger and bigger — and you are doing these very big print runs now, aren't you? Talk a bit about that. The Risks of Print Runs Sacha: Yeah. So one of the things I was going to say, one of the benefits of your sell direct model is that you don't have to deal with mistakes like this one. So in my recent book, Architecti, that we launched at the end of September, we did a print run of a thousand books, maybe about 3,000 pounds, something like that, 2,000 pounds. And basically we ended up selling all thousand and more. So the pre-orders breached a thousand and we didn't have enough books. But what made that worse is that 20% of the books that arrived were damaged because there had been massive rain. So we then had to do a second print run, which is bad for two reasons. The first reason is that one, that space, two, the time it's going to take to get to you — it's not instant, it's not printed on demand. But also three, I then had to spend the same amount of money again. And actually if we had ordered 2,000 originally, we would've saved a bit more money on it per book. So you don't — if you are doing selling direct with a print on demand model, the number of pre-orders you get is irrelevant because they'll just keep printing, and you just get charged per copy. So there are benefits and disadvantages to doing it each way. Obviously, I'm getting a cheaper price per copy printed, but not if I mess up the order numbers. Is Running a Warehouse Just Another Job? Joanna: So I'm going to come back on something you said earlier, which was in 2022 you said, “I realised I made a job for myself.” Sacha: Yeah. Joanna: And I mean, I've been to your store. You obviously have people to help you. But one of my reservations about this kind of model is that even if you have people to help you, taking on physical book — even though you are not printing them yourself, you're still shipping them all and you're signing them all. And to me it feels like a job. So maybe talk about why you have continued — you have pretty much decided to continue with your warehouse. So why is this not a job? What makes this fun for you? The Joy of Physical Product Creation Sacha: I wish that listeners could see my face because I'm literally glittering. I love it. I literally love it. I love us being able to create cool and wacky things. We can make a decision and we can create that physical product really quickly. We can do all of these quirky things. We can experiment. We can do book boxes. So first of all, it's the creativity in the physical product creation. I had no idea how much I love physical product creation, but there is something extremely satisfying about us coming up with an idea that's so integrated in the book. So for example, one of my characters uses, has a coin, a yes/no coin. She's an assassin and she flips it to decide whether or not she's going to assassinate somebody. We've actually designed and had that coin made, and it's my favourite item in the warehouse. It's such a small little thing, but I love it. And so there is a lot of joy that I derive from us being able to create these items. Sending Book Mail and Building Community Sacha: I think the second thing is I really love book mail. There is no better gift somebody can give me than a book. And so I do get a lot of satisfaction from knowing we're sending out lots and lots of book presents to people and we get to add more to it. So some of the promises that we make are: I sign every book and we give gifts. We have character art and, like I've mentioned before, pop sockets and all these kinds of things. And I get tagged daily in unboxings and stories and things like this where people are like, oh my gosh, I didn't realise I was going to get this, this, and this. And I just — it's like crack to me. I get high off of it. So I can't — this is not for everybody. This is a logistical nightmare. There are so many problems inherent in this business model. I love it. Discovering a Love of Team Building Sacha: And I think the other thing, which is very much not for a lot of authors — I did not realise that I actually really like having a team. And that has been a recent realisation. I really was told that I'm not a team player when I was in corporate, that I work alone, all of this nonsense. And I believed that and taken it on. But finding the right team, the right people who love the jobs that they do inside your business and they're all as passionate as you, is just life changing. And so that also helps me continue because I have a really great team. Joanna: I do have to ask you, what is a pop socket? Sacha: It's a little round disc that has a mechanism that you can pull out and then you — and it has a sticky command strip back and you can pop it on the back of your phone or on the back of a Kindle and it helps you to hold it. I don't know how else to describe it. It just helps you to hold the device easier. Joanna: Okay. I'm sure I wasn't the only one who was confused. I'm like, why are you doing electrical socket products? Know What Kind of Person You Are Joanna: But I think this actually does demonstrate another point, and I hope people listening — I hope you can sort of — why we are doing this partly is to help you figure out what kind of person you are as well. Because I can't think of anything worse than having lots of little boxes! And I've been in Sacha's thing and there's all these little stickers and there's lots of boxes of little things that they put in people's packages, which make people happy. And I'm like, oh, I just don't like packages of things. And I mean, you geek out on packaging, don't you as well? Sacha: Oh my goodness. Yeah. One of the first things I did when we got the warehouse was I actually went to a packaging expo in Birmingham. It was like this giant conference place and I just nerded out there. It was so fun. And one of the things that I'm booked to do is an advent calendar. And that was what drove me there in the first place. I was looking for a manufacturer that could create an advent calendar for us. I have two. I'm not — I have two advent calendars this year because I love them so much. But yeah, the other thing that I was going to say to you is I often think that as adults, we can find what we're supposed to do rooted in our childhood. And I was talking the other day and someone said to me, what toy do you remember from your youth? And I was like, oh yeah. The only one that I can remember is that I had a sticker maker. I like — that makes sense. You do like stickers. And I do. Yeah. Digital Minimalism vs Physical Products Joanna: Yeah, I do. And I think this is so important because I love books. I buy a lot of books. I love books, but I also get rid of a lot of books. I know people hate this, but I will just get rid of bags and bags of books. So I value books more for what's inside them than the physical product as such. I mean, I have some big expensive, beautiful books, but mostly I want what's in them. So it's really interesting to me. And I think there's a big difference between us is just how much you like all that stuff. So if you are listening, if you are like a digital minimalist and you don't want to have stuff around your house, you definitely don't want a warehouse. You don't want all the shipping bits and bobs. You are not interested in all that. Or even if you are, you can still do a lot of this print on demand. Then I think that's just so important, isn't it? I mean, did you look at the print on demand merch? Did you find anything you liked? The Draw of Customisation Sacha: Yeah, we did, but I think for me it was that customisation. We are now moving towards — I've just put an order in this morning for 10,000 customised boxes. We've got our own branding on them. We've got a little naughty, cheeky message when they flip up the flap. And it's little things like that that you can't — you know, we wouldn't have control over what was sent. So much of what I wanted, and some of the reasons for me doing it, is that I wanted to be able to sign the books. I was being asked on a daily basis if people could buy signed books from me, and it was driving me bonkers not being able to say yes. But also being able to send a website mailing list sign-up in the box, or being able to give them a discount in the box. I mean, I know you do that, but yeah, there was just a lot more customisation and things that we could do if we were controlling the shipping. Also, I wanted to pack the boxes, the books better. So we wanted to be able to bubble wrap things or we wanted to be able to waterproof things because we had various different issues with deliveries and so we wanted a bit more control over that. So yeah, there were just so many reasons for us to do it. Print on Demand Is Still Fantastic Sacha: Look, don't get me wrong, if I suddenly wanted to go off travelling for a year, then maybe I would shut down the warehouse and go back to print on demand. I think print on demand is fantastic. I did it for 14 months before I decided to open a warehouse. It is the foundation of most authors' models. So it's fantastic. I just want to do more. Joanna: Yeah. You want to do more of it. Life Stage Matters Joanna: We should also, I also wanted to mention your life stage. Because when we did talk about it, your son is just going to secondary school, so we knew that you would be in the same area, right? Sacha: Yeah. Joanna: Because I said to you, you can't just do this and — well, you can, you could ditch it all. But the better decision is to do this for a certain number of years. If you're going to do it, it needs time, right? So you are at that point in your life. Sacha: Yeah, absolutely. We — I mean, we are going to move house, I think, but not that far away. We'll still be in reachable distance of the warehouse. And yeah, the staying power is so important because it's also about raising awareness. You have to train readers to come to you. You have to show them why it's beneficial for them to order directly from you. Growing the Business Year Over Year Sacha: And then you also have to be able to iterate and add more products. Like you were talking earlier about increasing that average order value. And that does come from having more products, but more products does create other issues like space, which may or may not be suffering issues with now. But yeah, so for example, 2024, which was the first real year, I did about 73 and a half thousand British pounds. And then this year, where — as we record this, it's actually the 1st of December — and I'm on 232,000. So from year one to year two, it's a huge difference. And that I do think is about the number of products and the number of things that we have on there. Joanna: And the number of customers. I guess you've also grown your customer base as well. And one of the rules, I guess, in inverted commas, of publishing is that the money is in the backlist. And every time you add to your backlist and every launch, you are selling a lot more of your backlist as well. So I think as time goes on, yeah, you get more books. Kickstarter as an Alternative Joanna: But let's also talk about Kickstarter because I do signed books for my Kickstarters and to me the Kickstarter is like a short-term ability to do the things you are doing regularly. So for example, if you want to do book boxes, you could just do them for a Kickstarter. You don't have to run a warehouse and do it every single day. For example, your last Kickstarter for Ruby Roe made around 150,000 US dollars, which is amazing. Like really fantastic. So just maybe talk about that, any lessons from the Kickstarter specifically, because I feel like most people, for most people listening, they are far more likely to do a Kickstarter than they are to start a warehouse. Pre-Launch Followers Are Critical Sacha: Yeah, so the first thing is even before you start your Kickstarter, the pre-launch follow accounts are critical. So a lot of people think — well, I guess there's a lot of loud noise about all these big numbers about how much people can make on Kickstarter, but actually a lot of it is driven by you, the author, pushing your audience to Kickstarter. So we actually have a formula now. Somebody more intelligent gave this to me, but essentially, based on my own personal campaign data — so this wouldn't necessarily be the same for other people — but based on my campaign data, each pre-launch follower is worth 75 pounds. And then we add on seven grand, for example. So on campaign three, which was the most recent one, I had 1,501 pre-launch followers. And when you times that by 75 and you add on seven grand, it makes more or less exactly what we made on the campaign. And the same formula can be applied to the others. So you need more pre-launch followers than you think you do. And lots of people don't put enough impetus on the marketing beforehand. Almost all of our Kickstarter marketing is beforehand because we drive so many people to that follow button. Early Bird Pricing and Fulfillment Time Sacha: And then the other thing that we do is that we do early bird pricing. So we get the majority of our income on a campaign on day one. I think it was something wild, like 80% this time was on day one, so that's really important. The second thing is it takes so, so very much longer than you think it does to fulfil a campaign, and you must factor in that cost. Because if it's not you fulfilling, you are paying somebody else to fulfil it. And if it is you fulfilling it, you must account for your own time in the pricing of your campaign. And the other thing is that the amount of time it takes to fulfil is directly proportionate to the size of the campaign. That's one thing I did not even compute — the fact that we went from about 56,000 British pounds up to double that, and the time was exponentially more than double. So you do have to think about that. Overseas Printing and Timelines Sacha: The other lesson that we have learned is that overseas printing will drag your timelines out far longer than you think it does. So whatever you think it's going to take you to fulfil, add several months more onto that and put that information in your campaign. And thankfully, we are now only going to be a month delayed, whereas lots of campaigns get up to a year delayed because they don't consider that. Reinvesting Kickstarter Profits Sacha: And then the last thing I think, which was really key for us, is that if you have some profit in the Kickstarter — because not all Kickstarters are actually massively profitable because they either don't account enough for shipping or they don't account enough in the pricing. Thankfully, ours have been profitable, but we've actually reinvested that profit back into buying more stock and more merchandise, which not everybody would want to do if they don't have a warehouse. However, we are stockpiling merchandise and books so that we can do mystery boxes later on down the line. It's probably a year away, but we are buying extra of everything so that we have that in the warehouse. So yeah, depending on what you want to do with your profit, for us it was all about buying more books, basically. Offering Something Exclusive Sacha: I think the other thing to think about is what is it that you are doing that's exclusive to Kickstarter? Because you will get backers on Kickstarter who want that quirky, unique thing that they're not going to be able to get anywhere else. But what about you? Because you've done more Kickstarters than me. What do you think is the biggest lesson you've learned? Reward Tiers and Bundling Joanna: Oh, well I think all of mine together add up to the one you just did. Although I will comment on — you said something like 75 pounds per pre-launch backer. That is obviously dependent on your tiers for the rewards, so most authors won't have that amount. So my average order value, which I know is slightly different, but I don't offer things like book boxes like you have. So a lot of it will depend on the tiers. Some people will do a Kickstarter just with an ebook, just with one ebook and maybe a bundle of ebooks. So you are never going to make it up to that kind of value. So I think this is important too, is have a look at what people offer on their different levels of Kickstarter. And in fact, here's my AI tip for the day. What you can do — what I did with my Buried and the Drowned campaign recently — is I uploaded my book to ChatGPT and said, tell me, what are some ideas for the different reward tiers that I can do on Kickstarter? And it will give you some ideas for what you can do, what kind of bundles you might want to do. So I think bundling your backlist is another thing you can do as upsells, or you can just, for example, for me, when I did Blood Vintage, I did a horror bundle when it was four standalone horror books in one of the upper tiers. So I think bundling is a good way. Also upselling your backlist is a really good way to up things. And also if you do it digitally, so for ebooks and audiobooks, there's a lot less time in fulfillment. Focus on Digital Products Too Joanna: So again, yours — well, you make things hard, but also more fun according to you, because most of it's physical, right? In fact, this is one of the things you haven't done so well, really, is concentrate on the digital side of things. Is that something you are thinking about now? Sacha: Yeah, it is. I mean, we do have our books digitally on the website. So the last — I only had one series in Kindle Unlimited, and I took those out in January. But so we do have all of the digital products on the website, and the novellas that we do, we have in all formats because I narrate the audio for them. So that is something that we're looking at. And since somebody very smart told me to have upsell apps on my website, we now have a full “get the everything bundle” in physical and digital and we are now selling them as well. Surprising. Definitely not you. So yeah, we are looking at it and that's something that we could look at next year as well for advertising because I haven't really done any advertising. I think I've spent about 200 pounds in ads in the last four months or something. It's very, very low level. So that is a way to make a huge amount of profit because the cost is so low. So your return, if you're doing a 40 or 50 pound bundle of ebooks and you are spending, I don't know, four pounds in advertising to get that sale, your return on that investment is enormous for ads. So that is something that we are looking at for next year, but it just hasn't been something that we've done a huge amount of. A Multi-Six-Figure Author With No Ads Joanna: Yeah. Well, just quoting from your solo episode where you say, “I don't have any advertising costs, customers are from my mailing list, TikTok and Instagram.” Now, being as you are a multi-six-figure author with no ads, this is mostly unthinkable for many authors. And so I wonder if, maybe talk about that. How do you think you have done that and can other people potentially emulate it, or do you think it's luck? It's Not Luck, It's Skill Set Sacha: Do you know, this is okay. So I don't think it's luck. I don't believe in luck. I get quite aggressive about people flinging luck around. I know some people are huge supporters of luck. I'm like, no. Do I think anybody can do it? Do you know, I swing so hard on this. Sometimes I say yes, and sometimes I think no. And I think the brutal truth of it is that I know where my skill set lies and I lean extremely heavily into it. So what do I mean by that? TikTok and Instagram are both very visual mediums. It is video footage. It is static images. I am extremely comfortable on camera. I am an ex-theatre kid. I was on TV as a kid. I did voiceover work when I was younger. This is my wheelhouse. So acting a bit like a tit on TikTok on a video, I am very comfortable at doing that, and I think that is reflected in the results. Consistency Without Burnout Sacha: And the other part of it is because I am comfortable at doing it, I enjoy it. It makes me laugh. And therefore it feels easy. And I think because it feels easy, I can do it over and over and over again without burning out. I started posting on TikTok on November the 19th, 2023, and I have posted three times a day every day since. Every single day without stopping, and I do not feel burnt out. And I definitely feel like that is because it's easy for me because I am good at it. Reading the Algorithm Sacha: The other thing that I think goes in here is that I'm very good at reading what's working. So sorry to talk Clifton Strengths, but my number one Clifton Strength is competition. And one of the skills that has is understanding the market. We're very good at having a wide view. So not only do I read the market on Amazon or in bookstores or wherever I can, it's the same skill set but applied to the algorithm. So I am very good at dissecting viral videos and understanding what made it work, in the same way somebody that spends 20,000 pounds a month on Facebook advertising is very good at doing analytics and looking at those numbers. I am useless at that. I just can't do it. I just get complete shutdown. My brain just says no, and I'm incapable of running ads. That's why I don't do it. Not Everyone Can Do This Sacha: So can anybody do this? Maybe. If you are comfortable on camera, if you enjoy it. It's like we've got a mutual friend, Adam Beswick. We call him the QVC Book Bitch because he is a phenomenon on live videos on TikTok and Instagram and wherever he can sell. Anything on those lives. It is astonishing to watch the sales pop in as he's on these lives. I can't think of anything worse. I will do a live, but I'll be signing books and having a good old chitchat. Not like it's — like that hand selling. Another author, Willow Winters, has done like 18 in-person events this year. I literally die on the inside hearing that. But that's what works for them and that's what's helping grow their business models. So ah, honestly, no. I actually don't think anybody can do what I've done. I think if you have a similar skill set to me, then yes you can. But no, and I know that I don't want to crush anybody listening. Do you like social media? I like social media. Do you like being on camera? Then yeah, you can do it. But if you don't, then I just think it's a waste of your time. Find out what you are good at, find out where your skill set is, and then lean in very, very hard. Writing to Your Strengths and Passion Joanna: I also think, because let's be brutal, you had books before and they didn't sell like this. Sacha: Yep. Joanna: So I also think that you leaned into — yes, of course, sapphic romance is a big sub-genre, but you love it. And also it's your lived experience with the sapphic sub-genre. This is not you chasing a trend, right? I think that's important too because too many people are like, oh, well maybe this is the latest trend. And is TikTok a trend? And then try and force them together, whereas I feel like you haven't done that. Sacha: No, and actually I spoke to lots of people who were very knowledgeable on the market and they all said, don't do it. And the reason for this is that there were no adult lesbian sapphic romance books that were selling when I looked at the market and decided that this was what I wanted to write. And I was like, cool, I'm going to do it then. And rightly so, everyone was like, well, there's no evidence to suggest that this is going to make any money. You are taking a huge risk. And I was like, yeah, but I will. I knew from the outset before I even put a word to the page how I was going to market it. And I think that feeling of coming home is what I — I created a home for myself in my books and that is why it's just felt so easy to market. Lean Into What You're Good At Sacha: It's like you, with your podcasting. Nobody can get anywhere near your podcast because you are so good at it. You've got such a history. You are so natural with your podcasting that you are just unbeatable, you know? So it's a natural way for you to market it. Joanna: Many have tried, but no, you're right. It's because I like this. And what's so funny — I'm sure I've mentioned it on the show — but I did call you one day and say, okay, all right, show me how to do this TikTok thing. And you spent like two hours on the phone with me and then I basically said no. Okay. I almost tried and then I just went, no, this is definitely not for me. And I think that this has to be one of the most important things as an author. Maybe some people listening are just geeking out over packaging like you are, and maybe they're the people who might look at this potential business model. Whereas some people are like me and don't want to go anywhere near it. And then other people like you want to do video and maybe other people like me want to do audio. So yeah, it's so important to find, well, like you said, what does not work for you? What is fun for you and when are you having a good time? Because otherwise you would have a job. Like to me, it looks like a job, you having a warehouse. But to you, it's not the same as when you were grinding it out back in 2022. Packing Videos Are Peak Content Sacha: Completely. And I think if you look at my social media feeds, they are disproportionately full of packing videos, which I think tells you something. Joanna: Oh dear. I just literally — I'm just like, oh my, if I never see any more packaging, I'll be happy. Sacha: Yeah. That's good. The One Time Sacha Nearly Burnt It All Down Sacha: I have to say, there was one moment where I doubted everything. And that was at the end — but basically, in about, of really poor timing. I ended up having to fulfil every single pre-order of my latest release and hand packing about a thousand books in two weeks. And I nearly burnt it all to the ground. Joanna: Because you didn't have enough staffing, right? And your mum was sick or something? Sacha: Yeah, exactly that. And I had to do it all by myself, and I was alone in the warehouse and it was just horrendous. So never again. But hey, I learned the lessons and now I'm like, yay, let's do it again. Things Change: Building Resilience Into Your Business Joanna: Yeah. And make sure there's more staffing. Yes, I've talked a lot on this show — things change, right? Things change. And in fact, the episode that just went out today as we record this with Jennifer Probst, which she talked about hitting massive bestseller lists and doing just incredibly well, and then it just dropped off and she had to pivot and change things. And I'm not like Debbie Downer, but I do say things will change. So what are you putting in place to make sure, for example, TikTok finally does disappear or get banned, or that sapphic romance suddenly drops off a cliff? What are you doing to make sure that you can keep going in the future? Managing Cash Flow and Salaries Sacha: Yeah, so I think there's a few things. The first big one is managing cash flow and ensuring that I have three to six months' worth of staff salaries, for want of a better word, in an account. So if the worst thing happens and sales drop off — because I am responsible for other people's income now — that I'm not about to shaft a load of people. So that really helps give you that risk reassurance. Mailing Lists and Marketing Funnels Sacha: The second thing is making sure that we are cultivating our mailing lists, making sure that we are putting in infrastructure, like things like upsell apps. And, okay, so here's a ridiculous lesson that I learned in 2025: an automation sequence, an onboarding automation sequence, is not what people mean when they say you need a marketing funnel. I learned this in Vegas. A marketing funnel will sell your products to your existing readers. So when a customer signs up to your mailing list because they've purchased something, they will be tagged and then your email flow system will then send them a 5% discount on this, or “did you know you could bundle up and get blah?” So putting that kind of stuff in place will mean that we can take more advantage of the customers that we've already got. Standard Operating Procedures Sacha: It's also things like organisational knowledge. My team is big enough now that there are things in my business I don't know how to do. That's quite daunting for somebody who is a control freak. So I visited Vegas in 2025 and I sat in a session all on — this sounds so sexy — but standard operating procedures. And now I've given my team the job of creating a process instruction manual on how they do each of their tasks so that if anybody's sick, somebody else can pick it up. If somebody leaves, we've got that infrastructure in place. And even things down to things like passwords — who, if I unfortunately got hit by a car, who can access my Amazon account? Stuff like that, unfortunately. Joanna: Yeah, I know. Well, I mean, that would be tragic, wouldn't it? Sacha: But it's stuff like that. Building Longer Timelines Sacha: But then also more day-to-day things is putting in infrastructure that pulls me out. So looking more at staffing responsibilities for staffing so that I don't always have to be there, and creating longer timelines. That is probably the most important thing that we can do because we've got a book box launching next summer. And we both had the realisation — I say we, me and my operations manager — had the realisation that actually we ought to be commissioning the cover and the artwork now because of how long those processes take. So I'm a little bit shortsighted on timelines, I think. So putting a bit more rigour in what we do and when. We now have a team-wide heat map where we know when the warehouse is going to be really, really full, when staff are off, when deliveries are coming, and that's projected out a year in advance. So lots and lots of things that are changing. And then I guess also eventually we will do advertising as well. But that is a few months down the line. Personal Financial Resilience Sacha: And then on the more personal side, it's looking at things like not just how you keep the business running, but how do you keep yourself running? How do you make sure that, let's say you have a bad sales month, but you still have to pay your team? How are you going to get paid? So I, as well as having put staff salaries away, I also have my own salary. I've got a few months of my own salary put away. And then investing as well. I know, I am not a financial advisor, but I do invest money. I serve money that I pay myself. You can also do things like having investment vehicles inside your business if you want to deal with extra cash. And then I am taking advice from my accountant and my financial advisor on do I put more money into my pension — because did I say that I also have a pension? So I invest in my future as well. Or do I set up another company and have a property portfolio? Or how do I essentially make the money that is inside the business make more money rather than reinvesting it, spending it, and reinvesting it on things that don't become assets or don't become money generating? What can I do with the cash that's inside the company in order to then make it make more for the long term? Because then if you do have a down six months or worse, a down year, for example, you've got enough cash and equity inside the business to cover you during those lower months or years or weeks — or hopefully just a day. Different Business Models for Different Authors Joanna: Yes, of course. And we all hope it just carries on up and to the right, but sometimes it doesn't work that way. So it's really great that you are doing all those things. And I think what's lovely and why we started off with you giving us that potted history was it hasn't always been this way. So if you are listening to this and you are like, well, I've only got one ebook for sale on Amazon, well that might be all you ever want to do, which is fine. Or you can come to where my business model is, which is mostly even — I use print on demand, but it's mostly digital. It's mostly online. It's got no packaging that I deal with. Or you can go even further like Sacha and Adam Beswick and Willow Winters. But because that is being talked about a lot in the community, that's why we wanted to do this — to really show you that there's different people doing different things and you need to choose what's best for you. What Are You Excited About for 2026? Joanna: But just as we finish, just tell us what are you excited about for 2026? Sacha: Oh my goodness me. I am excited to iterate my craft. And this is completely not related to the warehouse, but I have gotten myself into a position where I get to play with words again. So I'm really excited for the things that I'm going to write. But also in terms of the warehouse, we've got the new packaging, so getting to see those on social media. We are also looking at things like book boxes. So we are doing a set of three book boxes and these are going to be new and bigger and better than anything that we've done before. And custom tailored. Oh, without giving too much away, but items that go inside and also the artwork. I love working with artists and commissioning different art projects. But yeah, basically more of the same, hopefully world domination. Joanna: World domination. Fantastic. So basically more creativity. Sacha: Yeah. Joanna: And also a bigger business. Because I know you are ambitious and I love that. I think it's really good for people to be ambitious. Joanna: Oh, I do have another question. Do you have more sympathy for traditional publishing at this point? Sacha: How dare you? Unfortunately, yeah. I really have learnt the hard way why traditional publishers need the timelines that they need. This latest release was probably the biggest that — so this latest release, which was called Architecting, is the reason that I did the podcast episode, because I learned so many lessons. And in particular about timelines and how tight things get, and it's just not realistic when you are doing this physical business. So that's another thing if you are listening and you are like, oh no, no, no, I like the immediacy of being able to finish, get it back from the editor and hit publish — this ain't for you, honey. This is not for you. Joanna: Yeah. No, that's fantastic. Where to Find Sacha and Ruby Roe Joanna: So where can people find you and your books online? Sacha: For the Ruby Empire, it's RubyRoe.co.uk and RubyRoeAuthor on TikTok if you'd like to see me dancing like a wally. And then Instagram, I'm back as @SachaBlackAuthor on Instagram. Joanna: Brilliant. Thanks so much for your time, Sacha. That was great. Sacha: Thank you for having me.The post Two Different Approaches To Selling Books Direct With Sacha Black And Joanna Penn first appeared on The Creative Penn.

The most important funding system in the world is flashing warning signals. Most people won't notice until it's too late.I'm hosting a free webinar to break down what's happening and what it means for your portfolio.  https://event.webinarjam.com/channel/risks--------------------------------------------------------------------------------Automotive insurance claims are estimated to have dropped around 9% so far this year. That sounds like a good thing, but it's an ominous sign. There haven't been fewer car accidents, instead more people just can't afford car insurance. Just recently, Gallup found at its midseason Christmas update, holiday shopping plans plummeted by a record amount. More than during late 2008. Why? Same reason people aren't buying car insurance. There are no jobs and not nearly enough income.  Eurodollar University's Money & Macro AnalysisGallup Economic Confidence Slips; Holiday Spending Plans Plummethttps://news.gallup.com/poll/699311/economic-confidence-slips-holiday-spending-plans-plummet.aspxBloomberg More Americans Are Skipping Car Insurance to Save Moneyhttps://www.bloomberg.com/news/newsletters/2025-12-05/more-americans-are-skipping-car-insurance-to-save-moneyhttps://www.eurodollar.universityTwitter: https://twitter.com/JeffSnider_EDU

Alberga, Hahn and Meaney discuss Quinn Hughes' long-term future (potential 2027 UFA) with the Vancouver Canucks and what a potential trade could mean for his fantasy value and teammates impacted. The guys discuss injuries to Elias Pettersson and Evgeni Malkin, Victor Hedman's return and more injury updates. Jensen joins the show to discuss the hottest fantasy pickups around the League, including Dennis Hildeby, Alex Steeves, Sam Malinski, Matt Savoie and others. Then, in "On the Money," presented by Bet365.ca, the guys touch on their favorite side and prop angles for upcoming games and also some of the intriguing betting odds surrounding the surprising Boston Bruins.

Your listing isn't selling? It's price, promotion, or presentation. In this week's Q&A episode, agents call in with real problems — wasted marketing spend, low-converting leads, and a condo sitting 116 days on the market — Luke, Josh, & the Acree Brothers Realty team walk them through how to fix each one. Learn how long ROI really takes, how to talk a seller into a price drop, and when vendors should enter the deal to save a falling escrow. Fast, tactical answers you can use today. You'll learn: ✔ How to stop wasting money on marketing platforms that don't convert✔ Why ROI often takes years (not months) — and how to survive the "float"✔ What to do when your listing sits for 116 days✔ The real way to avoid "annoying" prospects while doing effective lead gen✔ Why Facebook leads take 18+ calls and years of nurturing✔ How insurance & vendor partnerships SHOULD work (and where agents go wrong)✔ How belief, tonality, and confidence make or break your sales conversations ⁉️ Do YOU have a question you'd like us to answer on air? Send us an email at Podcast@ReminderMedia.com or shoot us a DM on Instagram https://www.instagram.com/staypaidpodcast

Money should have intrinsic value AND transactional privacy: Go to https://davidknight.gold/ for great deals on physical gold/silver For 10% off Gerald Celente's prescient Trends Journal, go to https://trendsjournal.com/ and enter the code KNIGHT Find out more about the show and where you can watch it at TheDavidKnightShow.com If you would like to support the show and our family please consider subscribing monthly here: SubscribeStar https://www.subscribestar.com/the-david-knight-showOr you can send a donation throughMail: David Knight POB 994 Kodak, TN 37764Zelle: @DavidKnightShow@protonmail.comCash App at: $davidknightshowBTC to: bc1qkuec29hkuye4xse9unh7nptvu3y9qmv24vanh7Become a supporter of this podcast: https://www.spreaker.com/podcast/the-real-david-knight-show--5282736/support.

In this week's episode of the Coin Stories News Block powered exclusively by Ledn, we cover these major headlines related to Bitcoin, macroeconomics, and global finance: Vanguard Ends Ban on Bitcoin ETFs Bank of America Recommends Up to 4% Bitcoin Allocation Larry Fink: "Sovereign Wealth Funds Are Buying the Dip" CFTC Greenlights Spot Trading on Regulated Exchanges Strategy Creates USD Reserve ---- The News Block is powered exclusively by Ledn – the global leader in Bitcoin-backed loans, issuing over $9 billion in loans since 2018, and they were the first to offer proof of reserves. With Ledn, you get custody loans, no credit checks, no monthly payments, and more. My followers get .25% off their first loan. Learn more at www.ledn.io/natalie  ---- Order my new intro to Bitcoin book "Bitcoin is For Everyone": https://amzn.to/3WzFzfU  ---- Read every story in the News Block with visuals and charts! Join our mailing list and subscribe to our free Bitcoin newsletter: https://thenewsblock.substack.com  ---- References mentioned in the episode: Former Vanguard CEO's Bitcoin Comments Vanguard's Current View on Bitcoin Vanguard Will Allow Bitcoin ETFs on its Platform Bank of America Gives Greenlight to Advisors Larry Fink's Comments on Personal Bitcoin Views  Larry Fink's Comments on Sovereign Funds Fink: Sovereign Wealth Funds Have Been Buyers  Bank of America Expands Crypto Access to Clients Fidelity CEO Abigail Johnson's Comments on Bitcoin  CFTC Allows Spot Trading on Regulated Exchanges NVIDIA CEO Jensen Huang Talks Bitcoin  ProCap Financial Closes Transaction Twenty One Capital Closes Transaction Strategy Creates a $1.4B USD Reserve ---- Upcoming Events: Join us at Strategy World 2026 in Las Vegas, Nevada this February 23-26. Use code HODL for discounted passes: https://www.strategysoftware.com/world26  Bitcoin 2026 will be here before you know it. Get 10% off Early Bird passes using the code HODL: https://tickets.b.tc/event/bitcoin-2026?promoCodeTask=apply&promoCodeInput=  ---- This podcast is for educational purposes and should not be construed as official investment advice. ---- VALUE FOR VALUE — SUPPORT NATALIE'S SHOWS Strike ID https://strike.me/coinstoriesnat/ Cash App $CoinStories #money #Bitcoin #investing

Welcome back to the Building Your Money Machine Show! In this episode, I'm shining a light on one of the most overlooked keys to financial freedom: the smartest order to invest your money. If you've ever felt like you're doing everything “right”—saving, investing, being responsible—but you're still not getting ahead, you're not broken. You've just been taught the wrong sequence. Today, I break down my Wealth Priority Ladder—a proven, step-by-step approach to hiring your dollars for the right jobs, finally giving you clarity, confidence, and control over your financial future.I dive into the common mistake that keeps people stuck. It's like trying to build a house by starting with the rooftop Jacuzzi! Instead, wealth is built systematically, and every dollar needs a job description—just like every employee in your business. When you master the right order, your money flows with purpose and resilience, rather than wandering aimlessly or causing financial stress.Finally, I talk about the Affluence Phase, where you shift your focus to legacy and generosity and your money machine is running in the background, empowering your life and mission.IN TODAY'S EPISODE, I DISCUSS:Why most people lose money by investing in the wrong orderThe Wealth Priority LadderBuilding an unshakable foundationWhy debt repayment and wealth creation should happen togetherThe strategic steps for investingHow to fit big one-time purchases into your wealth-building journeyLegacy, affluence, and generosityTake the next steps with my Financial Freedom Zone quizRECOMMENDED EPISODES FOR YOUIf you liked this episode, click here to enjoy these and more:https://melabraham.com/show/It Sucks, But It'll Skyrocket Your Net WorthIt's Happening Again and What EVERYONE is MissingAccountant Explains: How to Invest Your First $10,000The 3 Net Worth Milestones That Change EverythingIf You Don't Understand The K-Shaped Economy, You'll Never Get RichRECOMMENDED VIDEOS FOR YOU If you liked this video, you'll love these ones:It Sucks, But It'll Skyrocket Your Net Worth: https://youtu.be/NDDBwDrkg_cIt's Happening Again and What EVERYONE is Missing: https://youtu.be/sGaGRH396msAccountant Explains: How to Invest Your First $10,000: https://youtu.be/8spO7HPBvDQThe 3 Net Worth Milestones That Change Everything: https://youtu.be/M4PRKP092UkORDER MY NEW USA TODAY BESTSELLING BOOK:Building Your Money Machine: How to Get Your Money to Work Harder For You Than You Did For It!The key to building the life you desire and deserve is to build your Money Machine—a powerful system designed to generate income that's no longer tied to your work or efforts. This step-by-step guide goes beyond the general idea of personal finance and wealth creation and reveals the holistic approach to transforming your relationship with money to allow you to enjoy financial freedom and peace of mind.Part money philosophy, part money mindset, part strategy, and part tactical action, these powerful frameworks will show you how to build your money machine.When you do you'll also get over $1100 in wealth resources & bonuses for FREE! TAKE THE FINANCIAL FREEDOM QUIZ:Take this free quiz to see where you are on the path to financial freedom and what your next steps are to move you to a new financial destiny at http://www.YourFinancialFreedomQuiz.com

We are joined by Scott Trench and Mindy Jensen from BiggerPockets Money for this live mastermind meeting. We discuss real estate, the middle class wealth trap, and safe withdrawal rates. Lastly. mastermind members ask questions and get surprising answers. Learn more about your ad choices. Visit megaphone.fm/adchoices

This week, you are getting a front row seat to Unlock the Block, a live money mindset Q and A where I coach women in real time through their biggest money patterns, income ceilings, and subconscious fears. In this episode, you will hear how I find “blind spots” that have been running the show for years, why you can feel like you are doing all the work and still not seeing results, and how one person's question unlocks the entire group. This is the closest thing to being in a group mentorship call with me, where we go deep into fears of inconsistency, fear of disappointment, fear of being seen, and what it actually takes in your nervous system to hold more money, more clients, and more expansion.Join Ascend⁠⁠⁠ – my intimate group mentorship designed to help you uncover your soul purpose, transform your blocks, and build a life of time, location, and financial freedomTopics Covered:How Unlock the Block creates instant quantum breakthroughs through group energyThe subconscious “dam” blocking your money flow and how to finally dissolve itThe hidden fear of disappointment behind high ticket avoidance and client cancellationsWhy inconsistent income reflects inconsistent self leadership and childhood money patternsThe ladder of believability and how to expand your nervous system so you can actually hold moreAction-Oriented Episode Focus:Track where clients or money keep pausing or canceling, and identify the deeper fear beneath itChoose one area to become fiercely consistent with this week to stabilize your financial frequencyUse Clear the Fear tracks to release the exact blocks sabotaging your next levelCheck in with your body, not your mind, to see if you feel safe receiving more, then scale your goals accordinglyEmbody the version of you who already receives consistent abundance and celebrate every form it arrives inResources:Higher Self App: Dive deeper into recalibrating your mind and clearing your subconscious blocks. ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠[Link to app]⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Apply for 1:1 Mentorship. ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠[Link]⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Follow Marley's YouTube Channel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Follow Marley on Instagram ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Follow along with Marley at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@marleyroseharris⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, view her website at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠marleyrose.ca⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, or send her an email to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠hello@marleyrose.ca⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠! Submitting a review? Screen shot your review and send it to hello@marleyrose.ca to get your free track to clear any blocks to manifest your desires! Thank you

"Are you truly wealthy, or just playing the part until your banker believes it?"

How NIL deals, player opt-outs, and weak leadership are undermining the bowl system and hurting the future of college football.See omnystudio.com/listener for privacy information.

We're officially in the final stretch of the year, and you know what that means: holiday parties, family gatherings, and probably a little too much spending on gifts, decorations, and celebrations. But before we get caught up in all the festivities and lose sight of our financial goals, I want to remind you of something important: it's not too late to make some powerful moves with your money before the year ends. Here's the thing so many people get wrong: you don't have to wait until January 1st to start improving your finances. In fact, the last few weeks of the year are actually the perfect time to reflect on your spending patterns, reset your financial priorities, and take small but mighty actions that will set you up for success in 2026. Think about it…most people wait until New Year's to think about their money goals, but by starting now, you're already ahead of the game. You can finish 2025 strong and hit the ground running in January instead of scrambling to figure out where to start. So in today's episode, I'm sharing 10 quick financial wins you can knock out before the ball drops on New Year's Eve. These are simple, achievable things that don't require hours of work or major lifestyle changes, but they can give you clarity, confidence, and serious momentum going into a brand-new year.  From cleaning up your finances to building quick wins and resetting your money mindset, these actionable steps will help you close out the year feeling proud and prepared.   Here's What You'll Learn in This Episode: How to conduct a meaningful 2025 spending review and identify problem areas Strategies for finding and eliminating wasted subscription spending Setting up financial automation to build consistency in 2026 Creating sinking funds for specific 2026 goals and priorities Maximizing credit card rewards and cash back before year-end Making strategic extra debt payments for psychological momentum Reviewing and celebrating your savings progress (no matter the amount) Goal-setting techniques to enter 2026 with clear financial direction Money mindset reflection practices for lasting behavior change Why celebrating progress is essential for building financial confidence   Don't Wait for January: While everyone else is scrambling to figure out their New Year's resolutions, you can finish 2025 strong and start 2026 already ahead. These 10 achievable wins take minimal time but create maximum impact on your financial confidence and trajectory.   Here's a glance at this episode: [01:54] The 10 financial wins are broken up into 3 segments: cleaning up your finances, quick wins for momentum, and reflecting and resetting your mindset. [03:45] 2025 Spending Review: Analyzing where your money went and identifying overspending patterns (plus tracking system resources). [07:50] Credit Card Rewards Strategy: Cashing out points to fund holiday spending or accelerate financial goals. [11:25] Setting your goals is a must, money goals included! Start thinking about your 2026 goals now to start fresh January 1st.  [14:59] Progress Celebration: How gratitude builds financial confidence and empowers better money decisions.   Podcast Break Announcement: The City Girl Savings Podcast will be taking a short break during Q1 2026. We'll be sharing favorite past episodes to keep you inspired, then returning with brand-new content starting the first Monday in April 2026! Stay connected via Instagram @citygirlsavings and our newsletter for updates.   Rate, Review, & Follow: Did you love this episode? Are you a fan of the City Girl Savings podcast? If so, please consider rating and reviewing the show! This helps spread the word about City Girl Savings, and hopefully helps more people make the best money moves possible on the way to their dream life! To leave a review on Apple Podcasts, click here, scroll to the bottom, tap to rate with five stars, and select "Write a Review." Then be sure to let me know what you loved most about the episode! Also, please make sure you're subscribed and following the City Girl Savings podcast on Apple Podcasts, Spotify, and YouTube!   Resources mentioned in this episode: Grab your CGS Personal Finance Portfolio Learn about Raya's Financial Focus Coaching Program Follow City Girl Savings on Instagram, YouTube, and TikTok Join the City Girl Savings Facebook Group Subscribe to the City Girl Savings Newsletter!

I sit down with business coach and sales expert Sarah Walton to dive into the illusion of time abundance and money scarcity, help you shatter your mindset blocks around time and money, and discuss how managing your time with love and intention will make your money flow more abundantly. What You'll Discover In This Episode: ✔ The Difference Between A Scarcity & Abundance Mindset ✔ How You Are Likely Preventing Money Flowing To You ✔ Sarah's Just-Get-To-Market Winning Strategy  ✔ The Important Question To Ask Yourself That Takes Pressure Off You ✔ One Of The Most Wasteful & Harmful Things You Can Do With Your Time ✔ The Entrepreneur "Porn" That You Must Stay Away From ✔ What Your #1 Job Is As A Business Owner ✔ The Relationship Between Your Nervous System & Abundance Of Time & Money ✔ So Much More! To access resources and links from this episode, click on https://AmberDeLaGarza.com/406   P.S. Want to discover what's most holding you back in business and receive a personalized playlist to help you overcome those specific challenges? It only takes a few minutes to take the Next Level Business Owner Quiz and get on the path of taking your leadership and business to the next level!  And… If you want help managing your time, creating efficiency, making a new hire, reducing the stress and overwhelm of running a business, or making strategic decisions that will help you level up your business, I'd like to talk to you. Let's discuss how we can partner together to help you get unstuck, reduce stress, and determine a clear path to increased profits! Schedule your Discovery Call  

Crypto News: Big week ahead for markets with Fed Rate Cut decision. French banking giant BPCE to launch in-app crypto trading.Brought to you by

Snag Our Simplified Budget System!Schedule an Annual Planning SessionHey Budget Besties — can you believe it? We're heading into 2026.

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For years, corporate whistleblowers in the UK have found themselves in an unenviable predicament. They're encouraged to report wrongdoing, but at the same time they often feel like they've risked everything: their careers and livelihoods in exchange for little. In this special two-part series, we explore why critics think this system is failing whistleblowers and what the UK can do to change things.In part one: We hear from two whistleblowers who share why they blew the whistle and what went wrong after. Plus, the FT's financial regulation editor Martin Arnold and Mary Inman, the attorney who represented well-known whistleblowers such as Frances Haugen of Meta and Tyler Shultz of Theranos, discuss the systemic issues whistleblowers have faced in the UK. Part two airs next Monday, December 15.The FT does not use generative AI to voice its podcasts.- - - - - - - - - - - - - - - - - - - - - - - - - - For further reading:Should corporate whistleblowers get paid?Whistleblowers could earn millions as HMRC targets tax fraudCorporate whistleblowing in the UK needs a shake-upAsset management: inside the scandal that rocked GAM - - - - - - - - - - - - - - - - - - - - - - - - - - Behind the Money host Michela Tindera is on X (@mtindera07) and Bluesky (@mtindera.ft.com), or follow her on LinkedIn for updates about the show and more.Read a transcript of this episode on FT.com Hosted on Acast. See acast.com/privacy for more information.

When hope is tied only to a desired outcome, disappointment becomes inevitable. Katherine Wolf knows this truth more personally than most. At just 26, with a newborn in her arms and a lifetime ahead of her, she suffered a massive and unexpected stroke that changed everything.Today, through her writing, speaking, and nonprofit ministry Hope Heals, Katherine invites others into a deeper, sturdier hope—one that can withstand even the darkest valleys.On today's show, she joins us to share her journey: how suffering reshaped her faith, her understanding of God's goodness, and even her family's finances.A Life Forever ChangedIn 2008, without warning or symptoms, Katherine experienced a catastrophic brainstem stroke caused by a congenital condition she never knew she had—an arterial venous malformation (AVM). Overnight, she went from fully able-bodied to fighting for her life.A 16-hour surgery saved her, but her new reality included significant impairments. Today, she uses a wheelchair, has facial paralysis, reduced function in her right hand, and additional physical limitations. Still, she radiates joy and purpose.“I did live—and I'm doing great,” she says with her trademark resilience.Katherine describes the stroke as the moment “the pebble hit the metal”—a collision between everything she had learned about Jesus and the hardest chapter of her life.Years of Scripture, sermons, prayer, and discipleship prepared her for a moment she never imagined. “This is no longer a drill,” she remembers telling herself. Her long walk with Christ, though imperfect, had built a foundation strong enough to stand when everything else fell apart.In her memoir Hope Heals, she writes that suffering is not the end of the story—but the beginning of a new one. Christian hope does not deny pain; it declares that pain will not have the final word.Katherine's more recent book, Treasures in the Dark, draws from Isaiah 45:3—God's promise to give “hidden treasure” in the shadows of our lives so we might know Him more deeply.“If we must walk through darkness—and we all do at some point—why not gather the treasure God has placed there?” she asks. In other words, don't waste your pain. Let God use it to form you, deepen you, and show you His faithfulness in ways comfort never could.Hope Heals: A Ministry Born from SufferingOne of the greatest treasures to emerge from Katherine's hardship is Hope Heals, the nonprofit she and her husband, Jay, founded.Hope Heals CampTheir flagship outreach is a fully scholarship-supported summer camp for families affected by disability. Guests experience rest, community, and the love of Christ through what Katherine calls “inter-ability community”—people with and without disabilities sharing life together.Volunteers and families leave forever changed. The joy is contagious.Mend Coffee ShopIn Atlanta's Buckhead neighborhood, Hope Heals also operates Mend, a universally accessible coffee shop that employs people with disabilities and creates a space where everyone belongs.Katherine describes both initiatives as “glorious,” a word she uses often—and always with delight.The Financial Realities of SufferingMedical crises don't just affect the body; they often reshape a family's finances. Katherine knows this firsthand.When disability or sudden illness enters a story, she notes, “the finances can be ravaged.” Many families drain savings, take on debt, or scramble to fund treatments and therapies.But Katherine also speaks about “invisible wheelchairs”—the unseen burdens that hold people back. Financial instability, she says, can be one of the most crippling.Her encouragement? Everyone carries some kind of hardship. You are not alone. God gives us community and wisdom so we don't walk these valleys in isolation.For Katherine, surrender has become a central theme of her spiritual life, including how she views money.“Surrender is relief,” she says. “It's not God binding us up—it's letting Him take the wheel.”This posture doesn't magically erase financial challenges, but it reframes them. It anchors us in trust rather than fear. And it reminds us that provision comes from God, not our own strength.Hope for Anyone Facing UncertaintyKatherine's story speaks to those walking through overwhelming medical challenges—but her final encouragement reaches everyone, regardless of circumstances.Trusting God means you don't have to live afraid of what may happen next.Your circumstances may feel anything but okay, but when Christ lives in you, the deepest good in your life is already secure.“The good things of God,” she says, “are not external—they're inside of you when you know Him.”That truth allows us to face uncertainty with confidence, surrender our financial fears, and discover a hope that holds—no matter the storm.Learn MoreTo explore Katherine's ministry or support her work, visit HopeHeals.com.If you're near Atlanta, stop by Mend coffee shop in Buckhead—a place of belonging, beauty, and community. Katherine will also be speaking at the upcoming Kingdom Advisors Conference, where thousands of financial professionals gather to grow in biblical wisdom and stewardship. Learn more at RedeemingMoney.com.On Today's Program, Rob Answers Listener Questions:I invested based on the advice of a family friend who said it was guaranteed, but I lost $15,000. I'm single, I don't have much, and I was expecting this investment to return about $25,000. Now I'm just praying I'll have enough for rent next month. I'm calling to ask how I can recover from something like this.I have some real estate properties I want to leave to my children, and I've heard that putting them in a trust can help avoid capital gains. Do I need a trust for that? And should I also have a will?Resources Mentioned:Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner)Hope Heals | Hope Heals Camp | Mend Coffee & GoodsHope Heals: 
A True Story of Overwhelming Loss and an Overcoming Love by Katherine and Jay WolfTreasures in the Dark: 90 Reflections for Finding Bright Hope Hidden in the Hurting by Katherine Wolf with Alex WolfWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Dan Wootton delivers an unfiltered, emergency broadcast on the UK's financial, social, and political peril, explaining why he now lives in a "failed city," exposing the deep-state forces driving the economic decline, and reveals how censorship, sectarian politics, and the digital ID are the start of a terrifying, China-style social credit system designed to strip us of our freedoms BEST MOMENTS "Slippery Starmer currently has unbridled power... he is more unpopular than any Prime Minister in history, bar none." "The truth is that most journalists, certainly most journalists in the mainstream, have absolutely no desire to question the narrative." "This is also the start, mark my words, it is the start of a China-style social credit system being introduced into the back door into the United Kingdom." Exclusive community & resources:   For more EXCLUSIVE & unfiltered content to make, manage & multiply more money, join our private online education platform: Money.School →⁠ ⁠⁠https://money.school⁠   And if you'd like to meet 7 & 8 figure entrepreneurs, & scale to 6, 7 or 8 figures in your business or personal income, join us at our in-person Money Maker Summit Event (including EXCLUSIVE millionaire guests/masterminds sessions)  →⁠ ⁠⁠https://robmoore.live/mms⁠ 

Do you feel out of control? In this episode, Art addresses the growing crisis of financial confidence among Christians and how stress impacts both peace and generosity. He shares eight simple, biblical habits you can use to regain clarity and control in just 30 days.  Plus, he explores how the 8 Money Milestones differ from other financial systems. Tune in!Resources:8 Money MilestonesChristian Money HelpAsk a Money Question!

Are you unknowingly trapped in a fear-based relationship with money?Many of us carry money beliefs passed down from childhood - beliefs rooted in scarcity, control, and unspoken fear. In this episode, Matt Morizio, founder of Reconstructing Wealth, reveals how transforming your mindset around money isn't just about budgeting. It's about confronting the stories you've been telling yourself and stepping into a life of clarity, purpose, and financial freedom.Discover how to identify and rewrite your personal money stories to build a healthier financial future.Learn the subtle but powerful shift from seeing money in terms of price to seeing it as a tool for impact and investment.Understand why surrendering the illusion of control might be the most liberating financial decision you ever make.Press play now to uncover the mindset shift that could finally set you free from money stress and lead you toward a more abundant, purpose-driven life.˚KEY POINTS AND TIMESTAMPS:00:00 - Introduction & Episode Setup01:30 - Guest Introduction: Matt Maurizio03:24 - Childhood Money Stories & Early Mindset07:12 - Fear of the Unknown and Money10:02 - Learning the “Rules of the Game”14:57 - Identifying and Rewriting Money Beliefs19:30 - Scarcity vs Value/Investment Mindset29:30 - Price vs Worth: A Deep Dive34:24 - The Illusion of Control41:02 - Resources, Giving, and Rewiring Money Identity44:20 - Final Message˚MEMORABLE QUOTE:"Give up control and trust the journey, because life turns out far more beautifully when you're not trying to drive it all yourself."˚VALUABLE RESOURCES:Matt's website: https://reconstructingwealth.com˚Coaching with Agi: https://personaldevelopmentmasterypodcast.com/mentor˚

Today's episode was inspired by a listener who asked a powerful question: How can simply “counting everything you own, have access to or brings you comfort” help you make more money?In this episode, we break down the practice of microscopic gratitude—the habit of noticing and counting the tiny things you usually overlook—and explain how this simple daily ritual can shift your mindset, elevate your energy, and open the door to making more money and attracting abundance and a life of ease.Today's episode was taken from James N. Uberti best selling book Magnetic Habits Learn More

Send us a textYour past shaped you, but it no longer gets to steer you. In today's episode, we open the door to the hidden family roles that influence your mindset, your relationships, your self-worth, and your stress patterns without you even knowing it. We break down how childhood roles turn into adult identity loops that affect confidence, boundaries, emotional triggers, and decision-making. Together, we give you simple language, clear examples, and grounded insight so you can finally see the pattern behind the pattern and understand why you show up the way you do. If you're ready to recognize your role, rewrite your story, and step into real personal growth, this episode is your turning point. Listen in, breathe deep, and carry this clarity like fuel into the rest of your life.Learn more about:Books For Babes – GoFundMe donation linkhttps://www.gofundme.com/f/books-for-babes-annual-fundraiser-2025Digital Assets:1. Family Roles Drawing2. Dysfunctional Family Roles: Healthy Vs. Unhealthy3. Research Study on Brain Development4. Digital Boundaries5. The Growth Journey at EvolveHere are the related episodes, each one builds on today's conversation:#423 | You're Not Responsible for Their Emotions - https://apple.co/48pPRpO #438 | Understanding Trauma Responses You Mistake for Personality - https://apple.co/438qTIF Evolve Together Experiences:

Episode 722 - Feeling stuck financially? Money blocks don't start in your bank account - they start in your subconscious mind and your nervous system.In this podcast, I break down the real reasons money isn't flowing: survival frequency, old beliefs, and identity patterns that keep abundance out of reach. You'll learn how to regulate your nervous system, rewire your money identity, shift your frequency, and finally open the channel for more income, opportunities, and overflow.This is how to rewire your internal state so your external reality finally matches your potential.Ready to Get Unstuck? Apply for 1:1 coaching here: https://www.heatherhakes.com/breakthrough-callMY PRODUCTS AND COACHING:

Schedule a Meeting with Joshua TODAY!Are you tired of getting ghosted, low-balled, or dragged through endless revisions—despite delivering high-quality outdoor living designs?If you're an outdoor living pro, landscaper, or hardscaper who keeps wasting hours on leads that never turn into real projects, this episode uncovers the exact reason it keeps happening: you're pitching too early and to the wrong people. Discover how pre-qualifying leads solves ghosting, protects your time, and immediately improves your close rate.Listeners will learn: • The 5 pillars of bulletproof qualification that instantly separate buyers from browsers • How to stop spending time on people who will never hire you—and redirect it toward high-value clients • The mindset shift that turns your sales process from convincing… into filtering for perfect-fit customersPress play now to discover how a simple qualification system can help you close better clients, earn more per project, and take back your time.Interested in being the first to know when The CORE 10 drops? Sign up HERE: https://yes.express/core-10/Connect with Joshua at:The WebsiteThe Facebook GroupSales Master ClassesHow to work with Joshua - https://yes.express/apply/Tune into this podcast where a seasoned craftsman shares expert communication skills, strategies for overcoming stress and overwhelm, and insights on building a profitable business in landscaping and hardscaping, with tips on how to sell, close more deals, and achieve financial freedom to retire early as a successful business owner in the design/build and outdoor living industry.

If you've ever tried Google Ads and felt like you were just lighting your money on fire, you're not alone.  This week, Daniel sits down with John Sanders, founder of RevKey—a digital advertising agency that works exclusively with therapists and mental health professionals—to unpack why so many private practices struggle to make Google Ads work, and what you can do differently. In their conversation, John and Daniel dig into the most common reasons therapists waste money on paid ads.  And it often starts with your private practice's website.  If your site isn't designed to engage visitors and guide them toward action, your ad spend will likely fall flat.  John shares how generic service pages, weak content, and outdated design can tank your results—even if you're paying top dollar for clicks. They also explore why therapists need to be wary of Google's automated campaign recommendations.  What's best for Google's revenue isn't always best for your practice. John explains how his team disables default settings that typically waste money and instead builds tightly targeted campaigns focused on real conversions—not just traffic. This episode also covers the strategic role Google Ads can play for growing group practices. Whether you're launching a new service or need to quickly fill a clinician's caseload, ads can help bridge the gap while your SEO builds momentum.  And with the right tracking and targeting—like setting income levels or geographic focus—you can get more value from every click. If you've been burned by ads before or are thinking about using them to grow your practice, this episode will help you avoid common mistakes and make smarter, more strategic decisions. What You'll Learn in This Episode 1. Why do so many therapists waste money on Google Ads? Many therapists dive into Google Ads without a clear strategy or a website that's designed to convert. Often, the problem isn't the ads themselves—it's that clicks are being sent to generic service pages or poorly designed sites that don't guide visitors toward taking action. Another big issue is relying on Google's default settings, which prioritize Google's revenue over your results. John shares how to avoid these common traps and make sure every dollar is working toward bringing in actual clients. 2. How can I tell if my website is helping or hurting my ad performance? Your website is a critical part of your ad strategy—because if it doesn't connect with your ideal client or clearly guide them toward booking, even the best ad won't convert. John explains how to evaluate time-on-site metrics, user experience, and page content to know whether your site is supporting your ad goals. In competitive markets, the margin for error is smaller, so having engaging, specific, and fast-loading pages is key. 3. When should I use Google Ads vs. investing in SEO? John and Daniel break down how SEO and Google Ads can work together strategically. SEO is a long-term game—it can take months to see results—but it's incredibly valuable for sustainable growth. Ads, on the other hand, can generate leads quickly, which is especially useful when launching new services or hiring new clinicians. The key is understanding your goals and timeline, so you can decide when to run ads, when to focus on organic traffic, and when to do both. Links mentioned in this episode:  Previous Episode with John: 41. Everything You Need to Know About Google Ads for Therapists with John Sanders Revkey.com    Watch The Video:   This Episode Is Brought To You By: RevKey specializes in Google Ads management for therapists, expertly connecting you with your ideal clients. They focus on getting quality referrals that keep your team busy and your practice growing.   Visit RevKey.com/podcasts for a free Google Ads consultation     Alma is on a mission to simplify access to high-quality, affordable mental health care by giving providers the tools they need to build thriving in-network private practices. When providers join Alma, they gain access to insurance support, teletherapy software, client referrals, automated billing and scheduling tools, and a vibrant community of clinicians who come together for education, training, and events.   Learn more about building a thriving private practice with Alma at helloalma.com/elevation. About John Sanders John Sanders is the founder of RevKey, a digital advertising agency that exclusively helps therapists and mental health professionals grow their practices using Google Ads. With a deep understanding of the unique challenges facing this audience—especially in regulated, HIPAA-sensitive environments—John built RevKey to be the go-to partner for private practices that want measurable results, not marketing fluff. What began as a solo operation in 2018 has grown into a thriving team of ten, all united by a belief in clarity, simplicity, and transparency in digital marketing. John's insights are trusted by leading therapy podcasts and conferences, and his team regularly talks with clients, ensuring every campaign stays aligned with their goals. His mission: to make sure therapists don't waste money on click metrics, but invest in strategies that bring real people through their doors. About Daniel Fava Daniel Fava is the owner and founder of  Private Practice Elevation, a website and SEO agency focused on helping private practice owners create websites that increase their online visibility and attract more clients. Private Practice Elevation offers web design services, SEO (search engine optimization), and WordPress support to help private practice owners grow their businesses through online marketing.    Daniel lives in Atlanta, GA with his wife Liz, and two energetic boys. When he's not working he enjoys hiking by the river, watching hockey, and enjoying a dram of bourbon.  

What would your life look like if you actually used the money you spent years saving? In this episode, Tommy and John break down the idea of "flexing your money muscles" and why those muscles can mean tightening your spending or giving yourself permission to enjoy more. You'll learn how habits, confidence, and values shape our decisions, and why many people struggle to spend even when they can afford to. Access the full show notes at Mason & Associates, LLC Resources Mentioned: Mason & Associates: LinkedIn Tommy Blackburn:  LinkedIn John Mason: LinkedIn

A girl’s volleyball team in Texas raises money to buy their custodian a car, and it reminds us of the power that is bound up in the little hearts of children. AND When Kent Briggs, a local lawn care professional, noticed a neighbor’s yard growing long, he didn’t ask questions or wait for thanks; he simply showed up. To see videos and photos referenced in this episode, visit GodUpdates! https://www.godtube.com/blog/buy-custodian-a-car.html https://www.godtube.com/blog/man-mows-strangers-lawn.html Discover more Christian podcasts at lifeaudio.com and inquire about advertising opportunities at lifeaudio.com/contact-us.

Elon Musk's extraordinary rise, from a troubled childhood in apartheid-era South Africa to becoming the first person to amass half a trillion dollars. BBC business editor Simon Jack and journalist Zing Tsjeng chart Elon Musk's journey to becoming a multi-billionaire entrepreneur: from tech giant PayPal, to revolutionising electric cars at Tesla, and launching rockets at SpaceX. But becoming the richest person in the world comes with plenty of boardroom drama and controversy. Good Bad Billionaire is the podcast that explores the lives of the super-rich and famous, tracking their wealth, philanthropy, business ethics and success. There are leaders who made their money in Silicon Valley, on Wall Street and in high street fashion. From iconic celebrities and CEOs to titans of technology, the podcast unravels tales of fortune, power, economics, ambition and moral responsibility. Simon and Zing put their subjects to the test with a playful, totally unscientific scorecard — then hand the verdict over to you: are they good, bad, or simply billionaires?We're taking a break over the next few weeks but we'll be back in the New Year with a host of new billionaires. You can still contact the team: email goodbadbillionaire@bbc.com or send a text or WhatsApp to +1 (917) 686-1176. Find out more about the show and read our privacy notice at www.bbcworldservice.com/goodbadbillionaire

Welcome to The Luminary Podcast with your host Annie Perry, multi-dimensional psychic channel, Akashic Records guide, and intuitive tarot reader. In this powerful Prosperity Tarot Reading, Annie opens a portal into the energetic codes of wealth manifestation, money boundaries, and the legacy you are destined to create.This episode channels a high-frequency transmission designed to help you rewrite your abundance blueprint, call in aligned prosperity, and fortify the energetic boundaries that allow money to flow effortlessly without draining your soul.

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3379: J. Money unpacks how billions of dollars in unclaimed property are just sitting around, waiting to be claimed, including hundreds his own wife forgot about from a decade-old paycheck. With step-by-step guidance and a few laughs, he shows how easy (and free) it is to search for and reclaim your lost funds, and possibly help your friends and family do the same. Read along with the original article(s) here: http://www.budgetsaresexy.com/find-unclaimed-money-property/ Quotes to ponder: "It literally takes a handful of seconds to get started, and there's no excuse for not giving it a shot." "Claims can be made into perpetuity in most cases, even by heirs." "Unclaimed property is one of the original consumer protection programs." Episode references: Virginia unclaimed property search: https://vamoneysearch.gov/ Unclaimed.org (National Association of Unclaimed Property Administrators): https://www.unclaimed.org Learn more about your ad choices. Visit megaphone.fm/adchoices

The yen has made a huge move over the past seven months and no one can figure out why. According to every mainstream economic theory, JPY should be soaring not sinking. It's got the government in Tokyo hollering about currency intervention claiming there is no fundamental reason for the yen's plight. Except, there is and we just got more confirmation as household spending there utterly plunged in September and October. Eurodollar University's Money & Macro Analysis---------------------------------------------------------------------------------EDU's Webinar SeriesThursday December 17, 6pm ETA Trillion-Dollar Eurodollar Bomb is going Off on Wall StreetThe most important funding system in the world is flashing warning signals, and almost no one is paying attention.https://event.webinarjam.com/m9wym/register/n0rnxu7n---------------------------------------------------------------------------------https://www.eurodollar.universityTwitter: https://twitter.com/JeffSnider_EDU

The Constitution Study with Host Paul Engel – I work hard for my money, yet government agencies and politicians seem to work even harder to take it. From unconstitutional ID requirements to abusive benefit programs and deceptive tax schemes, both parties fuel reckless spending while ignoring their oath to the Constitution and the financial burden placed on everyday Americans...

If you're feeling the holiday stress creeping in — Christmas plans, family drama, mental overwhelm — this episode is going to feel like a breath of fresh air.

Most founders expect happiness to arrive the moment the wire hits. But, as Jerome shares in this powerful solo episode, many founders feel more lost after a successful exit than before it. Even when the deal is smooth, the number is hit, and every professional metric says success, the internal experience can feel hollow. Jerome breaks down why joy does not automatically follow liquidity, why identity and purpose collapse after exiting, and how founders can avoid falling into the Post-Exit Void.  He reveals the psychological sequence that unfolds after the deal closes, the hidden shame founders rarely admit, and a new definition of a successful exit that goes far beyond valuation. If you are building toward a liquidity event or still unraveling after one, this episode will give you clarity, language, and next steps to regain meaning, coherence, and direction.  [00:00 – 03:10] The Myth of Automatic Post-Exit Happiness Founders often assume money will solve everything, but joy after a liquidity event is short-lived Adaptation to newfound wealth happens quickly, leaving many wondering what now Without a plan for life after the exit, the reality feels empty even if the transaction went perfectly [03:11 – 06:20] The Rare Reality of a Successful Exit Very few founders experience a truly fulfilling exit because the odds of long-term business survival are low Exiting into a void, rather than into a purpose, creates regret Shame, invisibility, and fear of sounding ungrateful keep founders from speaking up [06:21 – 09:15] Identity Displacement After the Exit A founder's identity is tied to being needed, active, and in motion When the business is gone, structure and community disappear with it Having 40 to 60 hours returned each week creates disorientation if unplanned [09:16 – 12:00] Purpose Disruption and the Search for Meaning The business once supplied mission, direction, and a scoreboard Post exit, fear and scarcity can prevent new pursuits from forming Purpose is rooted in people and problems, not in finding a new distraction [12:01 – 14:45] Deconstructing the Fantasy of I Will Be Happy When Liquidity events do not bring lasting relief, completion, or peace An exit is not a finish line. It is the beginning of another chapter Money creates capacity, not identity [14:46 – 18:00] A New Definition of a Successful Exit Success cannot be measured by payout alone. Fulfillment, belonging, and identity must be included Without preparing for life after the transaction, founders may long for the company they left Exit readiness protects founders from forced exits due to death, disease, burnout, or divorce Key Quotes: “Money is capacity, not identity. Time is space, not direction. Freedom is potential, not fulfillment.” - Jerome Myers“Many founders hit their number and still wonder why they feel empty. The exit does not answer the question of who you are.” - Jerome Myers Join industry leaders shaping the future and secure your spot at the Exit Planning Summit today! https://exitplanningsummit.com/speakers Ready for your next chapter?Start Your Assessment Now

Brian Noe, Geoff Schwartz, and Bill Krackomberger preview their thoughts on the CFP before the final rankings are revealed, react LIVE to the CFP choosing Alabama over Notre Dame, preview every game in the NFL across Week 14, and more! Parlay Platter, Follow the Money with Christian Cipollini, Prop It Up, The Krack Challenge, Rapid Fire, and Bill's Play of the Day!See omnystudio.com/listener for privacy information.

Adam Minehardt, Head of Public Policy at Chainlink, and I spoke at SmartCon. We discussed TradFi's adoption of crypto, Chainlink's growth and increasing adoption, and when the CLARITY Act may be passed. Brought to you by

The 2026 Blueprint for Growing Your Clothing Brand (What Actually Works Now)Make Designs (with discount)

Support the showThank you for listening to this podcast! Follow Pastor James D. Gailliard on all social media @jdgailliard and get connected with Word Tabernacle Church by going to https://wordtab.net/ #EveryoneThriving

Thank you for watching! We hope you were blessed by this message. If you'd like to learn more about us text the word “HOPE” to 513-993-4382 or visit our website here:www.thebridgecincy.com* Online Giving: https://thebridgecincy.com/give/