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Send us a textJoin us on Average Joe Finances as our guest Athena Brownson, a real estate professional who transitioned from a career as a professional skier, shares her incredible life story, starting from growing up in a ski-centric family in Breckenridge, Colorado, to becoming a professional skier, undergoing multiple injuries, and finally finding her calling in real estate. Athena discusses the importance of discipline, balance, listening to mentors, consistent daily activities, and intentional networking in achieving success. This episode offers valuable insights for anyone looking to excel in real estate or any entrepreneurial venture, emphasizing the role of mentorship, the art of listening, and the importance of self-care.In this episode:Learn how persistence and mentorship can transform setbacks into stepping stones.Discover why discipline, structure, and “brilliance on the basics” drive long-term success.Understand the power of intentional networking and building authentic relationships.Gain insight into embracing discomfort as a catalyst for growth and resilience.And so much more!Key Moments:00:55 Meet Athena Brownson01:36 Athena's Early Life and Skiing Career03:02 Lessons from Skiing to Real Estate04:28 Overcoming Injuries and the Value of Coaching06:11 Transition to Real Estate15:12 The Importance of Mentorship19:37 Intentional Networking26:54 Building an Authentic Daily Routine27:47 Tracking and Evolving Your Greatness Tracker28:13 Delegation and Understanding Strengths29:05 The Importance of Basics and Discipline31:32 Handling Unexpected Challenges36:30 Maintaining Consistency in Real Estate40:09 Final Round: Personal Insights and Advice46:45 Closing Thoughts and Contact InformationFind Athena BrownsonWebsite: https://athenabrownsonrealtor.com/LinkedIn: https://www.linkedin.com/in/athenabrownsonrealtor/Instagram: https://www.instagram.com/athenabrownsonrealtorFacebook: https://www.facebook.com/AthenaBrownsonRealtorZillow: https://www.zillow.com/profile/AthenaBrownsonAverage Joe Finances®All of our social media links and more: https://averagejoefinances.com/linksAbout Mike: https://mikecavaggioni.comShow Notes add-on continued here: https://averagejoefinances.com/show-notes/*DISCLAIMER* https://averagejoefinances.com/disclaimerSee our full episode transcripts here: https://podcast.averagejoefinances.com/episodesSupport the show
Now on Spotify Video! Are you struggling to move up in your career, get noticed in the workplace, or find the right opportunities for success? Without influence, professionals risk being overlooked and stuck in their careers, no matter how hard they work. In this episode, presented by MasterClass, Hala Taha reveals how to build influence at work and accelerate career development. You'll hear insights from experts like Chris Voss, Tori Dunlap, and Ken Coleman on becoming memorable and indispensable in the workplace. In this episode, Hala will discuss: (00:00) Introduction (01:38) How to Stand Out from Day One in the Workplace (06:03) Building Confidence and Likeability at Work (15:43) Communicating Like a Leader for Success (24:32) Embracing Feedback for Career Development (27:14) Knowing When and Where to Move in Your Career MasterClass offers a world-class online learning experience with unlimited access to thousands of bite-sized lessons designed to sharpen your career, leadership skills, and more. Discover how corporate America's most powerful executives really rise to the top in a new series on MasterClass: The Power Playbook: How to Win at Work by Stanford Professor, Jeffrey Pfeffer. Sign up today and get an additional 15% off any annual membership at MasterClass.com/PROFITING. Sponsored By: MasterClass: Get an additional 15% off any annual membership at MasterClass.com/PROFITING Resources Mentioned: YAP E305 with Patrick Lencioni: youngandprofiting.co/WorkingGeniuses YAP E245 with Tori Dunlap: youngandprofiting.co/FinancialFreedom YAP E164 with Stacey Vanek Smith: youngandprofiting.co/MachiavelliWorkplace YAP E194 with Michelle Lederman: youngandprofiting.co/GrowUrInfluence YAP E321 with Yasir Khan: youngandprofiting.co/SpeakLikeCEO YAP E330 with Matt Abrahams: youngandprofiting.co/SpontaneousSpeaking YAP Live with Derrick Kinney: youngandprofiting.co/GoodMoneyRevolution YAP E144 with Chris Voss: youngandprofiting.co/AdvancedNegotiation YAP E227 with Kim Scott: youngandprofiting.co/RadicalCandor YAP E90 with Tim Salau: youngandprofiting.co/AmericanDream YAP E296 with Ken Coleman: youngandprofiting.co/ClearYourPurpose YAP E174 with Julie Solomon: youngandprofiting.co/GrowYourBrand Active Deals - youngandprofiting.com/deals Key YAP Links Reviews - ratethispodcast.com/yap YouTube - youtube.com/c/YoungandProfiting LinkedIn - linkedin.com/in/htaha/ Instagram - instagram.com/yapwithhala/ Social + Podcast Services: yapmedia.com Transcripts - youngandprofiting.com/episodes-new Disclaimer: This episode is a paid partnership with MasterClass. Sponsored content helps support our podcast and continue bringing valuable insights to our audience. 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, Business Ideas, Growth Hacks, Money Management, Career Podcast
In this sermon, Pastor Devin discusses the biblical principle of stewardship, emphasizing that we are managers, not owners, of what God has given us. He traces the concept of tithing from Abraham (400 years before the Law) through the Old Testament, showing it was a covenant relationship with God rather than just a legal obligation. The pastor clarifies that tithing isn't about God needing our money but about our heart posture and obedience. He addresses common misconceptions about tithing being only an Old Testament concept by showing Jesus' affirmation of it and its practice in the early church.Everything we have belongs to God; we are managers, not owners of our resources.Tithing was established as a principle of faith and trust in God before it became law, showing it's about relationship, not just obligation.Our attitude toward money reveals our heart posture toward God and our level of trust in His provision.Stewardship isn't just about an amount—it's about allegiance and obedience to God.God promises to meet our needs when we faithfully steward what He has given us.Support the show
Send us a textEveryone has certain needs whether living in a developed or a developing country. Whether you term these things basic life necessities or core necessities, people need these basic things to provide for daily living. These core necessities are food, shelter, access to transportation, access to health care, and utilities.The United States is considered one of the wealthiest nations in the world. Is a US worker's income adequate to provide basic needs?If you'd like to be a part of a free online retirement community, join us on Facebook: https://www.facebook.com/groups/399117455706255/?ref=share
Send us a textJoin us on Average Joe Finances as our guest Colton Pace, shares his journey from growing up on a ranch in Dallas, Texas to founding Ownwell, a startup aimed at reducing home ownership costs. Colton discusses how Ownwell helps homeowners and real estate investors save on property taxes, insurance, and utility bills. He also delves into the company's unique contingency fee model, how local expertise is crucial for property tax appeals, and the importance of financial planning through detailed expense tracking. Colton shares insights from his experience working for a billionaire, highlighting the significance of analyzing each expense to maximize returns.In this episode:Learn how challenging property tax assessments and expenses can unlock hidden savings for homeowners.Discover why education and awareness are key to reducing real estate ownership costs.Understand how Ownwell leverages nationwide expertise to optimize property tax and utility savings.Gain insights from Colton Pace on using curiosity and direct communication to uncover financial opportunities.And so much more!Key Moments:01:13 Meet Colton Pace: From Ranch Life to Real Estate02:27 The Mission of Unwell: Reducing Real Estate Costs03:27 Importance for Real Estate Investors07:07 The Eye-Opening Moment: Property Tax Savings11:20 Utility and Insurance Savings13:09 Biggest Savings and Success Stories15:47 Challenges and Benefits of Using Unwell17:32 The Importance of Time Management for Real Estate Investors18:18 Introducing the Unwell Team and Their Expertise19:55 Geographical Reach and Market Operations21:37 Financial Planning and Expense Management24:14 Final Round: Colton's Insights and Advice30:19 Connecting with Colton and Final ThoughtsFind Colton PaceWebsite: https://www.ownwell.com/LinkedIn: https://www.linkedin.com/in/coltonpace/Average Joe Finances®All of our social media links and more: https://averagejoefinances.com/linksAbout Mike: https://mikecavaggioni.comShow Notes add-on continued here: https://averagejoefinances.com/show-notes/*DISCLAIMER* https://averagejoefinances.com/disclaimerSee our full episode transcripts here: https://podcast.averagejoefinances.com/episodesSupport the show
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 3256: J. Money examines the high costs and hidden traps of both payday loans and credit card cash advances, weighing which is the lesser of two financial evils. While both options carry steep fees and risks, he ultimately sides with credit cards for their transparency and flexibility, though he stresses that neither should be your go-to for quick cash. Read along with the original article(s) here: https://budgetsaresexy.com/payday-loans-vs-credit-cards/ Quotes to ponder: “Payday loans are extremely expensive compared to other cash loans.” “Consumers have an average of eight to thirteen loans per year at a single lender.” “In conclusion, they both suck and should be avoided like the plague.” Episode references: Consumer Federation of America: https://consumerfed.org Debt.org - Predatory Lending: https://www.debt.org/credit/predatory-lending Learn more about your ad choices. Visit megaphone.fm/adchoices
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 3256: J. Money examines the high costs and hidden traps of both payday loans and credit card cash advances, weighing which is the lesser of two financial evils. While both options carry steep fees and risks, he ultimately sides with credit cards for their transparency and flexibility, though he stresses that neither should be your go-to for quick cash. Read along with the original article(s) here: https://budgetsaresexy.com/payday-loans-vs-credit-cards/ Quotes to ponder: “Payday loans are extremely expensive compared to other cash loans.” “Consumers have an average of eight to thirteen loans per year at a single lender.” “In conclusion, they both suck and should be avoided like the plague.” Episode references: Consumer Federation of America: https://consumerfed.org Debt.org - Predatory Lending: https://www.debt.org/credit/predatory-lending Learn more about your ad choices. Visit megaphone.fm/adchoices
Send us a textA friend posed a simple question. Are Roth accounts worth the time and effort?The answer is complex and more nuanced. Many things determine the validity of a Roth account including age, tax rate, income, retirement planning, and estate planning.If you'd like to be a part of a free online retirement community, join us on Facebook: https://www.facebook.com/groups/399117455706255/?ref=share
In this exclusive episode of Paisa Vaisa, we host Sanjay Dutt, MD & CEO of Tata Realty & Infrastructure Ltd. A true industry veteran, Dutt unpacks the dramatic evolution of the Indian real estate sector. He traces the market's growth from the pre-liberalization era of the 80s, where office space was a mere 20-30 lakh sq ft, to today's staggering 750 million sq ft of Grade-A space. The conversation covers key trends driving the market today, including the phenomenal growth of various sub-sectors like data centers, senior living, student housing, and industrial warehousing. Sanjay Dutt also shares his expert opinion on the future trajectory of the sector, the influx of global capital, and the crucial impact of regulatory reforms like RERA and the Insolvency and Bankruptcy Code. Pointers: ✔ Historical context: A look back at real estate before liberalization and its explosive growth since the 90s. ✔ Market segmentation: The expansion of the industry into diverse segments like co-living, data centers, and senior living. ✔ Geographic growth: Insights into how tier-1 cities are creating their own "tier-2" sub-markets and the potential for a more balanced growth across India. ✔ Investment vs. speculation: The difference between wealth creation and trading, and where to spot a potential bubble. ✔ Navigating the market: A detailed guide on what to look for when buying property, from freehold titles to developer reputation. ✔ Regulatory impact: The positive, life-changing influence of RERA and insolvency codes on transparency and investor confidence.From decoding your personal finances to demystifying business models, Paisa Vaisa delivers candid, insightful, and jargon-free conversations. Listen on Spotify, Apple Podcasts, Amazon Music, JioSaavn, Gaana & more Watch full episodes right here on YouTube Explore more at ivmpodcasts.comConnect with Anupam Gupta: Twitter: @b50 Instagram: @b_50 LinkedIn: Anupam Gupta Follow IVM Podcasts We’re @ivmpodcasts on Facebook, Twitter & InstagramSee omnystudio.com/listener for privacy information.
Discover the transformative journey from corporate finance to entrepreneurial success with Shanli Liu, founder of Freedom Folio. What if leaving a steady career could lead to a more fulfilling life and business? Shanley's story is a testament to resilience and the power of personal connections, tracing her path from a childhood fundraising event in China to establishing her own CPA practice in Boston. The episode offers a candid look at the pivotal moments that fueled her transition, including learning from a seasoned CPA and leveraging her corporate experience to launch her own firm after motherhood inspired a new direction. Learn how tax planning can elevate your practice management strategies with insights from Shanley's collaboration with POSBOT and her mentor, Tyler Thompson. The episode explores her evolved mindset from merely fulfilling tasks to embracing the entrepreneurial spirit, emphasizing the importance of strategic client selection and holistic tax planning. Shanley's experiences underscore the necessity of educating clients about tax complexities and the pitfalls of fragmented approaches. Discover practical solutions for scalable client education that combat industry-wide misinformation, ensuring both practitioners and clients are aligned in achieving financial success. Explore the balancing act of entrepreneurship and personal life, as Shanli addresses the challenges of setting boundaries. Through personal anecdotes, including the extreme of taking a client call during labor, the conversation sheds light on the pressures faced by professionals, particularly women, in juggling work and family. Drawing inspiration from Tim Urban, the discussion highlights the need to prioritize family time amidst professional commitments. This episode is a heartfelt reminder of the importance of boundaries to prevent burnout and ensure you remain present for those who matter most. Timestamps 00:00:00 - Introduction and Welcome to the Podcast: Shanli Liu's Journey 00:00:12 - Shanley's Early Life and Inspiration from China 00:02:05 - Transition from Corporate Finance to Entrepreneurship 00:03:30 - Founding Freedom Folio and Building a CPA Practice 00:06:45 - Balancing Motherhood and Entrepreneurship 00:09:15 - Importance of Learning to Say No in Business 00:11:37 - Embracing Entrepreneurial Mindset through Tax Planning 00:12:45 - Lessons from POSBOT and Training with Tyler Thompson 00:14:30 - Strategic Client Selection for Scalable Tax Planning 00:16:10 - Addressing Fragmented Tax Planning and Client Education 00:18:27 - Holistic Financial Planning for Small Business Owners 00:19:30 - Collaborating with Financial Advisors for Diversification 00:21:00 - Setting Boundaries to Maintain Work-Life Balance 00:22:36 - Challenges of Overworking and People-Pleasing 00:24:00 - Societal Pressures on Women Entrepreneurs 00:25:30 - Reflection on Family Prioritization and Tim Urban's Work 00:27:00 - Conclusion: Aligning Professional Success with Personal Well-being Episode Resources: Connect with Shanli here: https://www.linkedin.com/in/shanli-liu-234b16b/ Legacy Podcast: For more information about the Legacy Podcast and its co-hosts, visit businesslegacypodcast.com. Leave a Review: If you enjoyed the episode, leave a review and rating on your preferred podcast platform. For more information: Visit businesslegacypodcast.com to access the shownotes and additional resources on the episode.
Send us a textJoin us on Average Joe Finances as our guest George Otel, an immigrant and business owner who transitioned from owning a trucking company to founding US Business Funding, shares his journey from truck driving to real estate investing and focuses on the significance of building a strong team, understanding financing, and the opportunities in commercial real estate. He emphasizes the importance of preparation, patience, and leveraging relationships for success. George also offers insights on effective networking, the benefits of SBA loans, and provides advice for new entrepreneurs.In this episode:Discover how George Otel transitioned from trucking to thriving in commercial real estate and business financing.Learn why networking and building the right team of experts (CPAs, lawyers, financiers) is essential for growth.Understand the differences between residential and commercial real estate and why commercial offers higher returns with less competition.Explore smart financing strategies, including leveraging SBA loans to move from renting to owning.Take away hard-earned lessons on patience, planning, and the importance of hiring support early to scale faster.And so much more!Key Moments:00:00 Introduction and Welcome02:03 Meet George Otel: From Trucking to Real Estate04:09 Diving into Commercial Real Estate05:43 The Importance of a Strong Team10:14 Financing Strategies for Business Owners19:01 George's Real Estate Journey and Insights21:50 The Importance of Networking in Real Estate23:06 Building Trust and Relationships24:09 The Necessity of Pre-Approval25:10 The Role of Preparation and Reputation28:51 The Value of Patience and Rational Decisions31:01 Exploring Franchise Opportunities32:14 Final Round: Lessons and Tips39:50 Where to Find More Information41:27 Conclusion and FarewellFind George OtelWebsite: www.usbizfunding.netFacebook: https://www.facebook.com/George.OtelLinkedIn: https://www.linkedin.com/in/georgeotel/Instagram: https://www.instagram.com/georgeotel/Twitter: https://twitter.com/george_otelAverage Joe Finances®All of our social media links and more: https://averagejoefinances.com/linksAbout Mike: https://mikecavaggioni.comShow Notes add-on continued here: https://averagejoefinances.com/show-notes/*DISCLAIMER* https://averagejoefinances.com/disclaimerSee our full episode transcripts here: https://podcast.averagejoefinances.com/episodesSupport the show
THE IDEAL BALANCE SHOW: Real talk, tips & coaching on everything fitness, family & finance.
Snag Our Simplified Budget System!Hey budget besties — meet Michelle! Her husband is a police officer with a steady paycheck, while she's a hairstylist juggling inconsistent income, business expenses, and taxes (oh, and still trying to make her personal budget work). Sound familiar?In this coaching session, we dive deep into:How to budget when your business income changes every weekWhy separating business income, expenses, and supplies into different accounts creates financial calmThe key difference between bills and spending (hint: it will change how you set up your accounts!)Building a system for saving for taxes, supplies, and business costs — without the last-minute scrambleHow to “pay yourself” a consistent paycheck, even when your income isn't consistentWays to see the big picture of your family's finances (without overspending when you see extra in the account!)Michelle walked away with a clear roadmap: create an income account, separate business and personal money, and finally automate those transfers so her finances feel as steady as her husband's paycheck.Connect With Us: 1️⃣ Facebook Group – Join the community. Our free group is where the real talk happens. Connect with other women who are learning how to budget, save, and finally feel in control, together. ➡︎ budgetbesties.com/facebook 2️⃣ Automate Your Budget Masterclass – Watch it now, no waiting. This FREE on-demand training shows you how to set up a budget that matches your lifestyle, without tracking every dollar or feeling restricted. ➡︎ budgetbesties.com/automate 3️⃣ Budget – Grab our Simplified Budget System! You don't need another budget, you need a system that does the math, makes the plan, and gives you permission to spend. ➡︎ budgetbesties.com/budget 4️⃣ Private 1-on-1 Coaching – Get a plan and a coach. We'll build your full budget system together, so you always know what to do and feel confident doing it. ➡︎ budgetbesties.com/coaching 5️⃣ Be on the Podcast – Free coaching, real convo. Come chat with us on the show! Get real-time financial coaching and help other women by sharing your story. ➡︎ budgetbesties.com/livecall "I love Shana & Vanessa and this podcast is amazing!"
We'd love to hear from you. What are your thoughts and questions?In this enlightening episode of Streams to Impact, host Dr. Allen engages with financial advisor Chad Hufford, who shares his unique upbringing in a financially aware household. They explore the emotional complexities surrounding money conversations, the psychological barriers to financial success, and the importance of character over mere knowledge in achieving financial independence. Chad emphasizes the need for empathy in financial advising, particularly as a parent, and reflects on the legacy he wishes to leave behind. This conversation is rich with insights on how to approach finances with intention and purpose, ultimately aiming for a fulfilling life.Main Points:Money was a normal part of conversation in my childhood.People often talk about money only in times of crisis.The emotional context of money affects decision-making.We need to connect our present actions to our future selves.Character qualities are more important than financial knowledge.Parenting has taught me empathy and patience.You cannot fix money problems with more money.Financial independence is about feeling content, not just wealthy.We often chase financial goals without clear objectives.Legacy is about impacting others positively through our actions.Connect with Chad Hufford:https://www.linkedin.com/in/chad-hufford-066208100/ https://www.facebook.com/VeritasWealthManagement/https://www.instagram.com/veritas.alaska/ https://www.youtube.com/@veritasalaskachad@veritasalaska.comhttps://www.veritasalaska.com/www.forgingfinancialfreedom.comThe Blue Collar Millionaire Show, https://podcasts.apple.com/us/podcast/the-blue-collar-millionaire-show/id1783215315
Yes, you may be successful on paper, but do you feel it? If your focus is on money management, listen to today's podcast "Does Your Success Feel as Solid as It Looks?" by host Jacquette, and discover how and what elements you should balance so that your success feels as good as it looks. Don't just chase the numbers—feel the victory!www.jacquettetimmons.comwww.jacquettetimmons.com/digital-productswww.instagram.com/jacquettemtimmonsBuyMeACoffee.com/JacquetteSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
When most people think of artificial intelligence, they picture futuristic robots or complex financial systems for major corporations. But AI has already woven itself into the very heart of our everyday money habits. And it is happening without us even realizing it. From simplifying budgeting to analyzing data, AI is changing how we approach financial decisions, making smart money management accessible, intuitive, and more effective than ever. We've even used it in our own financial life recently. Listen in to hear all of the ways to maximize your financial life using AI and how we did too! Our website: www.forbetterandworth.com Get Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlight Connect with us: Instagram: @forbetterandworth YouTube: @forbetterandworth Ericka: @erickayoungofficial Chris: @1cbyoung
Justin Peters shares how he designed a life that lets him explore the world without sacrificing financial security. From taking a career sabbatical to launching a podcast, he explains the mindset shifts and money strategies that opened the door to more freedom and adventure. Learn how intentional planning, financial responsibility, and smart work choices can put you in a position to do more of what you love—without feeling like you're constantly trading time for money.Become a supporter of this podcast: https://www.spreaker.com/podcast/globetrotters-podcast--5023679/support.
Send us a textJoin us on Average Joe Finances as our guest Larry Kriesmer and Bernard Surovsky discuss their innovative approach to investment management. They delve into their investment strategy, which evolved from their experiences during market downturns in the late 1990s and 2008, leading to the creation of their trademark 'Synthetic Equity' and the launch of their ETF (SNTH). The discussion covers the technical aspects and advantages of using options and treasuries to manage risk while achieving high returns. The episode also features personal anecdotes, including their experience of ringing the bell at the New York Stock ExchangeIn this episode:Learn how Measured Risk Portfolios blend safe short-term treasuries with strategic options to balance protection and growth.Discover the concept of Synthetic Equity and how it replicates equity returns while cushioning against losses.Understand why mastering options can unlock powerful risk management and investment opportunities.Gain insights into building bold, informed strategies that challenge traditional investing norms.And so much more!Key Moments:00:59 Meet Larry and Bernard01:35 Growing Up in Different Worlds03:41 Investment Philosophy and Early Experiences06:13 The Measured Risk Portfolio Approach08:12 Managing Market Volatility21:40 Synthetic Equity Explained25:06 Risk Aversion and Investment Strategies26:41 Introduction to Synthetic Equity and ETF26:58 Launching the ETF and Ringing the Bell27:55 The Experience of Ringing the Bell33:25 Final Round: Financial Mistakes and Lessons Learned41:32 Final Thoughts and Advice for InvestorsFind Larry and BernardWebsite: https://www.measuredriskportfolios.com/Average Joe Finances®All of our social media links and more: https://averagejoefinances.com/linksAbout Mike: https://mikecavaggioni.comShow Notes add-on continued here: https://averagejoefinances.com/show-notes/*DISCLAIMER* https://averagejoefinances.com/disclaimerSee our full episode transcripts here: https://podcast.averagejoefinances.com/episodesSupport the show
In this bonus episode of The Money Puzzle, The Australian’s Wealth Editor, Julie-anne Sprague, unpacks what it takes to be a great investor with one of the nation's top stockpickers, Jun Bei Liu. How did Liu learn to invest? What did she learn when things went wrong and what's her advice for everyday investors wanting to build their wealth?Jun Bei Liu of Ten Cap joins Wealth Editor Julie-anne Sprague in this bonus episode.See omnystudio.com/listener for privacy information.
Sinead talks Money Management with Gwen Harris of MABS. The Money Advice and Budgeting Service (MABS) is a free, independent, confidential and non- judgmental money advice and budgeting service for all members of the public. MABS primarily works with people experiencing over-indebtedness. MABS money advisers work with clients who may have difficulties with a wide range of personal debts including personal loans, mortgages, credit card debt, catalogue debts, debts to legal moneylenders and hire purchases.
What if the real obstacle to entrepreneurship isn't your skill set or background, but the beliefs you hold about money? In this episode of The Angel Next Door Podcast, host Marcia Dawood sits down with Barbara Huson—a celebrated financial expert and the author of seven books—to challenge the limiting money stories that hold women back from investing, building wealth, and stepping fully into their power.Barbara shares her personal journey from financial intimidation and crisis to empowerment, offering relatable anecdotes and the wisdom she's gained from interviewing hundreds of financially successful women. Her expertise shines as she uncovers the neuroscience behind changing your money mindset, and how simple, purposeful steps can transform your financial trajectory.This episode is packed with actionable strategies, including Barbara's “recognize, reframe, and respond” method for rewiring your thinking, and her approachable daily, weekly, and monthly habits for getting smart about money. If you've ever felt daunted by investing or unsure if building wealth is for you, this conversation will leave you inspired and ready to take control—making it a must-listen for anyone seeking confidence in their financial journey. To get the latest from Barbara Huson, you can follow her below!https://www.linkedin.com/in/barbarahuson/https://www.barbara-huson.com/https://www.instagram.com/thebarbarahuson/ Sign up for Marcia's newsletter to receive tips and the latest on Angel Investing!Website: www.marciadawood.comLearn more about the documentary Show Her the Money: www.showherthemoneymovie.comAnd don't forget to follow us wherever you are!Apple Podcasts: https://pod.link/1586445642.appleSpotify: https://pod.link/1586445642.spotifyLinkedIn: https://www.linkedin.com/company/angel-next-door-podcast/Instagram: https://www.instagram.com/theangelnextdoorpodcast/TikTok: https://www.tiktok.com/@marciadawood
This week, Carl welcomes Jeffrey Kraws, veteran Wall Street analyst and CEO of Crystal Research Associates, for a powerful conversation that blends business brilliance with deep personal insight. With 36+ years of experience and over $23B in assets under management, Jeffrey breaks down how cutting-edge tech—including AI—is transforming modern medicine. But this episode isn't just about numbers and innovation… Jeffrey opens up about surviving multiple near-death experiences, his faith in God, and what really matters at the end of the day: family, perseverance, and purpose.
Today, I'm sharing an article I wrote where I give a practical financial overview and is a personal finance cheat sheet for anyone feeling overwhelmed with their finances and taxes. Listen to this episode to get some finance tips to help you feel more secure as an entrepreneur when it comes to your money. Also mentioned in today's episode: 02:50 Understanding the Emotional Impact of Money 06:06 Basic Steps to Avoid Financial Disaster 08:55 Debt Management Strategies 12:37 Saving and Investing for the Future 15:52 Empowerment Through Financial Knowledge If you enjoyed this episode, please rate, review and share it! Every review makes a difference by telling Apple or Spotify to show the Sunlight Tax podcast to new audiences. Links: My #1 Tip to Make Your Kid a Millionaire Link to pre-order my book, Taxes for Humans: Simplify Your Taxes and Change the World When You're Self-Employed. Link to pre-order my workbook, Taxes for Humans: The Workbook Get your free visual guide to tax deductions Check out my program, Money Bootcamp
Send us a textJoin Kevin Lyles, CRPC™ and me as we provide a long form discussion about inflation and its multiple effects on retirement.If you'd like to be a part of a free online retirement community, join us on Facebook: https://www.facebook.com/groups/399117455706255/?ref=share
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Send us a textJoin us on Average Joe Finances as our guest Mike Ivany to discuss his diverse background in law, marketing, finance, and investment. Mike Ivany shares his journey from working at Homeland Security to starting a law practice, diving into marketing, and ultimately working in finance and alternative investing. The conversation delves into the dynamics of the AI market, the future of companies like TikTok, SpaceX, and ByteDance, and how AI is reshaping investment strategies.In this episode:Learn how pre-IPO and private market investing gives accredited investors access to high-growth companies before they go public.Discover why the ongoing AI talent battle reshapes technology investing and creates unique opportunities.Understand the critical role of fees, liquidity constraints, and risk assessment when entering private investments.Explore how platforms like Upmarket democratize alternative assets, lowering barriers for accredited investors.And so much more!Key Moments:00:55 Guest Introduction: Mike Ivancie01:28 Mike Ivancie's Background and Career Journey02:42 Transition to Marketing and Finance03:19 Current Role and Market Trends05:55 AI and Private Markets Discussion11:40 Impact of AI on Investing16:31 Introduction to Upmarket23:08 Understanding Private Market Investments23:47 Pre-IPO Investment Checklist24:21 Accredited Investor Qualifications27:12 Popular Pre-IPO Companies29:31 Employee Liquidity in Private Companies32:35 Final Round: Financial Wisdom42:39 Final Thoughts and ResourcesFind Mike IvancieWebsite: https://www.upmarket.co/ LinkedIn: https://www.linkedin.com/in/ivancie/ Average Joe Finances®All of our social media links and more: https://averagejoefinances.com/linksAbout Mike: https://mikecavaggioni.comShow Notes add-on continued here: https://averagejoefinances.com/show-notes/*DISCLAIMER* https://averagejoefinances.com/disclaimerSee our full episode transcripts here: https://podcast.averagejoefinances.com/episodesSupport the show
3%…6%…1%…the promise of 10X from your neighbour with the crypto hedge fund. It's easy to think if your money is growing, that's good enough. But mediocre returns will KILL you. Learn: exactly what your investment returns SHOULD be…why a 7% return might be terriblehow to know if your advisor is screwing you
This week on the Journey to Launch Podcast, I'm joined by Karen Salmansohn, bestselling author, behavioral change expert, and creator of “Your To-Die-For Life: How to Maximize Joy and Minimize Regret Before Your Time Runs Out.” With over 2 million books sold, Karen brings a bold mix of research-based psychology and humor to help us snap out of autopilot and live with more intention. We dive into the powerful idea that mortality awareness isn't morbid, it's motivating. Karen introduces the concept of a "near-life experience" and how many of us are living life adjacent, not fully present. We also explore the connection between core values, money, happiness, and how to design your life with fewer regrets. In this episode we discuss: Core values that prevent future regret and help guide daily decisions How identity shapes habits and long-term financial wellness The difference between fleeting pleasure and deep fulfillment Why growth, curiosity, and authenticity matter more than productivity Strategies to discover your high-level purpose—even if you don't know it yet Other related blog posts/links mentioned in this episode: Check out Karen's book: Your To-Die-For Life Apply to Share Your Journeyer Story here. Join the Journey to Launch Book Club to dive deeper into financial freedom with guided discussions and resources here! Get your copy of my book: Your Journey To Financial Freedom! Join The Weekly Newsletter List to get updates, deals & more! Leave Your Journey To Financial Freedom a review! Get The Budget Bootcamp Check out my personal website here. Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! YNAB – Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link. What stage of the financial journey are you on? Are you working on financial stability or work flexibility? Find out with this free assessment and get a curated list of the 10 next best episodes for you to listen to depending on your stage. Check it out here! Connect with Karen: Website Instagram:@NotSalmon Twitter:@NotSalmon Connect with me: Instagram: @Journeytolaunch Twitter: @JourneyToLaunch Facebook: @Journey To Launch Join the Private Facebook Group Join the Waitlist for My FI Course Get The Free Jumpstart Guide
We're sharing what money management looks like in our houses and in our marriages. We talk about the roles we and our husbands take when it comes to finances, the disagreements we've navigated with our spouses, and what we've learned along the way. Plus, how we're teaching our kids about money.With Friends of the Show on Patreon, we're each sharing a financial conversation that we had in our marriages that made a big impact.See full show notes on our website: Family Money ManagementBecome a Friend of the Show! Join our Patreon community and get bonus content.Connect with us on Instagram: @higirlsnextdoorWe love to get your emails: higirlsnextdoor@gmail.comYour reviews on Apple Podcasts or where ever you listen really help the show – thank you!And, read Kelsey's RISING*SHINING blog and Substack. Hosted on Acast. See acast.com/privacy for more information.
How do I as an early 30s GP in Australia, set goals. In this episode, we talk about financial, professional and personal goals. SMART goals.We talk about 50/30/20 rule for high income earners.Avoiding lifestyle creep- easier said than done often.Other things to consider: super contributions, review personal insurances, setting a budget.Other episodes of interst:Money Management Part 1 (Budgeting, Buckets, and Credit Card Hacks)Income protection Explained (chat with advisor Jason Hugo)Music Credit: Bass Nation.New episode every fortnight.Send in your questions to: passiveincomedoctors[AT]gmail.comIf you are a doctor or dentist interested in property investing Australia, join my community: https://www.facebook.com/groups/315108673770810Follow me on Instagram for first peek at new content, and my day-to-day life. Dr Dan (@passiveincomedoctors) • Instagram photos and videos
Send us a textIs the historical Viewmaster style of traditional wealth accumulation with no frills or technology still valid, or have traditional wealth accumulation concepts been replaced and negated by more modern approaches?If you'd like to be a part of a free online retirement community, join us on Facebook: https://www.facebook.com/groups/399117455706255/?ref=share
Send us a textJoin us on Average Joe Finances as our guest Chad Ackerman about his remarkable journey from a corporate HR professional to a successful real estate syndicator and business coach. Chad shares his personal story, detailing how he transitioned from his W2 job and navigated the challenges of the real estate investment world. He discusses his initial mistakes, the importance of having clear goals, and the strategies he employed to achieve financial independence. Chad also touches on the significance of due diligence, community involvement, and overcoming imposter syndrome.In this episode:Learn how a casual workplace conversation sparked Chad Ackerman's journey from HR professional to full-time real estate investor.Discover why defining your personal “buy box” can eliminate emotional investing and clarify your financial goals.Understand the power of community—how local meetups and online forums like BiggerPockets can accelerate your growth.Gain insight into how coaching and mentorship can help overcome imposter syndrome and build investor confidence.And so much more!Key Moments:00:56 Meet Chad Ackerman01:33 Chad's Real Estate Journey Begins03:24 First Investment Lessons04:30 Building a Real Estate Community05:37 Partnership with BiggerPockets06:15 Transition to Business Coaching10:12 Importance of Due Diligence16:00 Defining Your Buy Box18:18 Overcoming Imposter Syndrome19:46 Leveraging Coaching Skills for Investment Success20:09 Overcoming Financial Hurdles with Tribe Vest20:51 The Importance of Accountability in Achieving Goals21:17 Mentors vs. Coaches: Understanding the Difference22:05 Alternative Investment Strategies and Education24:05 Chad's Journey from HR to Business Coach28:33 Final Round: Insights and Reflections34:08 Closing Thoughts and Final AdviceFind Chad AckermanWebsite: https://chadackerman.focalpointcoaching.com/Linkedin: https://www.linkedin.com/in/chad-ackerman-8089a8a/Average Joe Finances®All of our social media links and more: https://averagejoefinances.com/linksAbout Mike: https://mikecavaggioni.comShow Notes add-on continued here: https://averagejoefinances.com/show-notes/*DISCLAIMER* https://averagejoefinances.com/disclaimerSee our full episode transcripts here: https://podcast.averagejoefinances.com/episodesSupport the show
This week on the show, we're joined by Stephanie Cowser from Cowser Consulting. Stephanie is a CPA and fractional CFO who shares why it's essential for business owners to have expert support when it comes to accounting, tax planning, and overall financial strategy. Whether you're just starting out or growing fast, this episode is packed with valuable insights that can help you take control of your business finances. Connect with Stephanie:
This week, I sit down with Mackenzie Burnett, co-founder and CEO of Ambrook, for a conversation that blends tech, ag, leadership, and the courage to jump into something new. Mackenzie shares her path from software and policy into agriculture, why building financial tools for farmers and ranchers became her passion, and how showing up with curiosity (and asking plenty of questions) has been key to Ambrook's success. We also dig into what it takes to build trust in ag communities, why feedback is a gift, and how imposter syndrome shouldn't keep you from solving problems you care about. We cover everything from the realities of startup life to what it's like leading in a niche industry, plus Mackenzie's surprising journey to becoming an amateur boxer. Whether you're an entrepreneur, ag business owner, or just someone curious about blending industries, this episode is packed with insight and inspiration. Resources & Links: The Inner Ring by C.S. Lewis Join The Directory Of The West Get our FREE resource for Writing a Strong Job Description Get our FREE resource for Making the Most of Your Internship Email us at hello@ofthewest.co Join the Of The West Email List List your jobs on Of The West Connect with Mackenzie: Follow on X @ciaomack Visit the Ambrook website Connect with Jessie: Follow on Instagram @ofthewest.co and @mrsjjarv Follow on Facebook @jobsofthewest Check out the Of The West website Be sure to subscribe/follow the show so you never miss an episode! Learn more about your ad choices. Visit megaphone.fm/adchoices
In this episode: intentionality with money, understanding financial independence, hiring your kids for tax benefits, FIRE movement, building a legacy with Andrew WindhamEpisode SummaryAdam welcomes Andrew Windham to the Mindful FIRE Podcast. They delve into the importance of being intentional with money and using it as a tool to create a meaningful life. Andrew shares his journey in financial services, discusses the FIRE movement, and offers insights on hiring your kids for tax benefits. The conversation emphasizes the importance of living purposefully and aligning financial decisions with personal values.Guest BioAndrew Windham is a financial expert and entrepreneur dedicated to helping families achieve Financial Independence. With a background in finance and a passion for serving others, Andrew focuses on guiding clients towards intentional financial decisions that align with their values. He is also the host of the Educated Freedom podcast.Resources & Books Mentioned"The E-Myth" by Michael Gerber"The Road Less Stupid" by Keith CunninghamNuCalm app for meditation and relaxationContact Andrew via LinkedIn or Email and mention "Mindful FIRE podcast" to get the "How to Hire Your Kid" and "Automated Cashflow" resources.Guest Contact InformationLinkedIn: https://www.linkedin.com/in/andrewwindham/Email: andrew@educatedfreedom.comThe Educated Freedom Podcast: https://collegeplanninginstitute.com/educated-freedom-podcast/Key TakeawaysBeing intentional with money can lead to a more fulfilling life.The FIRE movement emphasizes Financial Independence and living with purpose rather than simply retiring early.Hiring kids for tasks in a business can provide tax benefits and teach them financial responsibility.Simplifying financial goals and aligning them with personal values is crucial for achieving Financial Independence.Reflection and journaling can help clarify what is truly important in life and business.Embracing progress over perfection can lead to greater success and satisfaction in financial journeys.PS: Introducing the…
In this episode of SHE MD, host Mary Alice Haney welcomes Vivian Tu, the financial literacy expert behind "Your Rich BFF." Vivian shares her journey from Wall Street to social media stardom, offering invaluable insights on women's financial empowerment. The conversation covers everything from negotiating salaries to teaching children about money. Vivian introduces her "STRIP Method" for building wealth and offers practical advice on investing, avoiding lifestyle creep, and changing money mindsets.Access more information about the podcast and additional expert health tips by visiting SHE MD Podcast and Ovii. Sponsors: Timeline: Timeline is offering10% off your order of Mitopure. Go to timeline.com/SHEMD.Cymbiotika: Go to Cymbiotika.com/SHEMD for 20% off your order + free shipping today.Vionic: Use code SHEMD at checkout for 15% off your entire order at www.vionicshoes.com when you log into your account. 1 time use only.SleepMe: Visit www.sleep.me/SHEMD to get your Chilipad at 20% off with code SHEMD1MD: Visit 1MD.org, use code SHEMD, and enjoy 15% off your first order. Vivian Tu's 5 Key Takeaways:Secure Your Financial Foundation: Your Rich BFF, Vivian highlights that women should actively participate in their personal finances. The "STRIP Method" (Savings, Total debt, Retirement, Invest, Plan) provides a comprehensive approach to personal finance management. Smart Money Habits With Kids and Family: Involve teens in budgeting, investing basics, and college savings (e.g., 529 plans). Use allowances as teaching tools—split into Save/Spend/Give categories. Plan a "money date" with your partner to review finances together so you can establish your financial expectations as partners.Create Multiple Income Streams: Monetize skills (freelancing, consulting) or invest in rental properties/dividend stocks. Side hustles and passive income accelerate wealth and provide security.Invest Strategically for Long-Term Growth: Maximize retirement accounts (401(k), IRA) and invest in low-cost index funds or ETFs. Time is still on your side—compound growth works even in your 40s/50s.Plan Your Legacy Now: Draft a will, set up trusts, and discuss inheritance plans with family. Estate planning avoids legal battles and ensures your wealth benefits loved ones.In This Episode: (00:00) Introduction(01:24) Who is Your Rich BFF - Vivian Tu?(02:33) Vivian's journey from Wall Street to TikTok(05:33) Your Rich BFF Podcast: Networth and Chill(06:23) Women's underrepresentation in venture capital(09:20) Biggest financial lesson from Wall Street(11:35) Importance of choosing the right partner(19:46) Teaching children about financial literacy(24:09) Advice for women returning to the workforce(26:16) How to start investing with little money(27:45) The best thing Vivian learned from a guest on her podcast(28:30) The STRIP Method for financial success(36:30) Understanding and avoiding lifestyle creep(39:45) Rich people help each other succeedRESOURCES:Vivian Tu | Your Rich BFF Instagram: https://www.instagram.com/your.richbff/?hl=enVivian Tu | Your Rich BFF TikTok : https://www.tiktok.com/@yourrichbff?lang=enYour Rich BFF YouTube : https://www.youtube.com/yourrichbffNetworth and Chill Podcast : https://podcasts.apple.com/us/podcast/networth-and-chill-with-your-rich-bff/id1676999261GUEST BIOGRAPHY:Vivian Tu is a former Wall Street trader turned financial educator, NYT bestselling author, and CEO of Your Rich BFF. With 8M+ followers, she's a Forbes 30 Under 30 honoree making finance accessible through viral content, her chart-topping podcast Net Worth & Chill, and partnerships with brands like SoFi, Lululemon, and Adobe. Her debut book, RICH AF, was a 7-figure deal with Penguin Random House. See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
Send us a textThere are several basic and essential rules of personal finance that should be learned and followed. NO ONE wants to reach retirement age with little or no money, and no way to catch up! If you'd like to be a part of a free online retirement community, join us on Facebook: https://www.facebook.com/groups/399117455706255/?ref=share
Send us a textJoin us on Average Joe Finances as our guest Brian Truman, a seasoned professional with an intriguing career trajectory. From starting as a sports broadcaster, transitioning to a 22-year-long career in government contracting, to owning the largest business brokerage in Nashville, Brian shares his journey. He emphasizes the importance of relationships over transactions in the real estate business, discusses the thriving multifamily market in Nashville, and offers advice for newcomers looking to delve into multifamily real estate investing. Brian's insights on the significance of networking, continuous learning, and taking action in real estate investing provide valuable takeaways for both novice and experienced investors.In this episode:Discover how transitioning from business ownership to real estate can accelerate your path to financial freedom.Learn why Nashville's booming, diversified economy makes it a prime location for real estate investing.Understand the value of building authentic relationships over chasing short-term transactions.Gain practical tips on how new investors can start small, build confidence, and scale into multifamily deals.And so much more!Key Moments:00:54 Guest Introduction: Brian Truman's Background01:26 Transition to Real Estate: From Broadcasting to Brokerage01:58 Selling the Business and Moving into Real Estate02:56 Commercial Real Estate and Business Brokerage06:43 Multifamily Real Estate Focus15:56 Why Nashville?21:07 The Importance of Relationships in Real Estate25:08 Straight Shooter Broker Insights26:45 Multifamily Real Estate for Everyone27:30 Getting Started in Real Estate Investing30:13 The Importance of Due Diligence39:12 Final Round: Personal Insights44:15 Contact Information and Final ThoughtsFind Brian Truman:Website: https://accelcre.comLinkedin: https://www.linkedin.com/in/brian-truman-1164418/ Average Joe Finances®All of our social media links and more: https://averagejoefinances.com/linksAbout Mike: https://mikecavaggioni.comShow Notes add-on continued here: https://averagejoefinances.com/show-notes/*DISCLAIMER* https://averagejoefinances.com/disclaimerSee our full episode transcripts here: https://podcast.averagejoefinances.com/episodesSupport the show
Today, on Karl and Crew, we dove deeper into our weekly theme of “Killing Sin” by discussing the importance of eradicating sin. We were all born into sin, so it’s the nature of our flesh to sin, but we aren’t bound to it because Jesus Christ delivered us from it. As followers of Christ, we are to cast down and kill the sin, which is precisely what God wants us to do. We turned to Proverbs 6:16-19, where we see how God feels about sin. We then examined Romans 12:1-2, where Paul instructs us to present our bodies as holy to God and not to be conformed to the world. Are you killing the sin in your life? Dr. Drew Dickens also joined us to discuss how Artificial Intelligence (AI) can help us overcome sin. Dr. Dickens is a visionary leader, AI expert, and scholar who has made significant contributions to the intersection of technology, spirituality, and faith-based engagement. He is also the founder of the Encountering Peace app and the Encounter Podcast, which provides biblical meditations, resources, and dialogue. Dr. Dickens has also authored the book “Whispers of the Spirit: A 40-Day Guide to Intimate Prayer.” We then had Rob West join us to discuss the three sins we need to overcome to achieve biblical financial stewardship: Greed, Fear, and Pride. Rob West is the host of the nationally syndicated radio program, Faith and Finance Live, which airs weekday afternoons at 3 pm on 90.1FM. He is also the host of the Faith and Finance podcast and the CEO of Kingdom Advisors, a community of financial professionals who deliver biblically wise financial advice. Rob has also authored the 21-day devotional, “Look at the Sparrows.” You can hear the highlights of today's program on the Karl and Crew Showcast. If you're looking to hear a particular segment from the show, look at the following time stamps: Gospel (Killing Sin) [ 57:50-01:06:27] Dr. Drew Dickens Interview (Killing Sin with AI) [ 06:56-23:34 ] Rob West Interview (3 sins of Poor Money Managment) [ 42:55-57:40 ]Donate to Moody Radio: http://moodyradio.org/donateto/morningshowSee omnystudio.com/listener for privacy information.
In this eye-opening episode, Christina Lecuyer breaks down common myths about success and reveals why it's not about money, appearance, or social status. Instead, she dives into the power of mindset, the importance of personal fulfillment, and how building a strong community can transform your journey. Tune in to discover how to redefine success on your own terms and focus on what truly matters in life.
Have you ever heard people talking about net worth and wondered what it means? Well, today, you are going to learn! Links: Watch our Financial Freedom Webinar to learn how to strategize and build a debt payoff plan Learn how to set savings goals with Goal Builder Check out TCU University for financial education tips and resources! Follow us on Facebook, Instagram and Twitter! Learn more about Triangle Credit Union Transcript: Welcome to Money Tip Tuesday from the Making Money Personal podcast. Net worth! What is it? Why is it important to track? How do you find out what your financial net worth is? All valid questions, my friends. First, let's define what net worth is. The dictionary defines net worth as "the total wealth of an individual, company, or household, taking account of all financial assets and liabilities." Most people will agree that the definition of net worth is simply: assets - liabilities = net worth. Now that we know what it is, why is it essential to track it? Well, it allows you to see your financial situation at any point and whether your wealth is increasing or decreasing. Tracking your net worth is important because it gives you a clear picture of your financial health and can help you make informed decisions about your money. Please know that it is very possible to have a negative net worth. This means that you owe more money than what your assets are worth. We'll talk a little more about this later. Now, let's take a look at how you can figure yours out. Are you ready? Ok... take out a piece of paper and a pen or pencil. Draw a line straight down the middle. On one side, you are going to write the word assets, and on the other, write the word liabilities. On the assets side, make a list of valuable items that you own… think bank accounts, investment accounts like 401(k)s, any real estate property that you may own, personal property such as cars, or other items that have value. Next to these items, write down their approximate value. Here is an example of what this may look like (we'll use easy round numbers for simple math): Bank Accounts - $5,000 Personal Home - $300,000 401(K) - $50,000 Car - $20,000 At the bottom, you will write the total for all assets. In this example, we will have a total of $375,000. Nice! On the liabilities side of your sheet, make a list of your liabilities. Liabilities are the debts that you may owe. Next to them, write the balance so again, for easy math, in this example, we will do Mortgage - $210,000 Credit Card Debt - $5,000 Auto Loan - $10,000 Student Loans - $50,000 And that Home Equity Line of Credit you took out to fix up your house - $40,000 At the bottom, you will write the total for all liabilities. In this example, we have $315,000. Ouch! Now, we have the numbers we need to calculate net worth. Remember, net worth equals assets minus liabilities. In my example, the assets total $375,000, while the liabilities amount to $315,000, resulting in a total net worth of $60,000. Not too shabby. Let's say you calculated yours, and you didn't like what you got. You got a negative number. This means that your debts exceed the value of your assets. Let's flip my example and say you have a negative $60,000. Do not get discouraged. Many families and individuals are right there with you. According to MarketWatch, one in five Americans has a zero or negative net worth. You're not alone in this journey. Instead of dwelling on it, get motivated to get that number into the positive. You got this! Here are a couple quick tips on how to improve your net worth: Work to pay down existing debts. Focus on developing a method to really pay down debt. Read a book, attend a seminar, or watch one of our debt reduction webinar recordings on YouTube to learn all about the process of taking control of and tackling debt. Check the link in the show notes to watch. Avoid taking on any new debt. Put those credit cards away and try paying cash or use a debit card more. Even if only for a short time, this method can effectively help you avoid adding onto that growing debt pile and keeps you more conscious of spending habits. Adjust your budget to emphasize saving. Every saving opportunity can boost your net worth. Explore opportunities to increase savings like boosting retirement contributions, and opening a new account for emergencies or other long-term goals. For Triangle members listening to this episode, we actually have a lot of cool tools available within our online and mobile banking platform to help you track net worth, pay down debt and set savings goals. Check out Money Management within online and mobile banking to track your net worth as it grows, set budgets and even debt payoff goals. We also have a tool called Goal Builder that helps you set up and track savings goals within your Triangle savings accounts. This is great if you're looking for an easy way to save more for emergencies, a new car, a house downpayment or any other long or short term goal. Alright, that's going to do it! I hope you learned something new today, and we've given you the motivation to look into your net worth and grow your wealth! Remember, it's never too late to start building your financial future. If there are any other tips or topics you would like us to cover, let us know at tcupodcast@trianglecu.org. Like and follow our Making Money Personal FB and IG page and look for our sponsor, Triangle Credit Union on social media to share your thoughts. Thanks for listening to today's Money Tip Tuesday and check out our other tips and episodes on the Making Money Personal podcast. Have a great day!
Send us a textJoin us on Average Joe Finances as our guest Carlos Samaniego, discusses his transformative journey from a young EMT making financial mistakes to becoming a tax debt consultant. Carlos recounts how bad advice led him to claim excessive tax exemptions, resulting in a significant IRS debt and years of unfiled taxes. This tumultuous experience inspired him to help others navigate tax issues, ultimately leading to the founding of his company, Tax Debt Consultants. Carlos shares valuable insights on dealing with IRS debt, the importance of immediate action, and the role of tax professionals in safeguarding against compounded interests and penalties.In this episode:Learn how unresolved tax issues can snowball and why early intervention is key to minimizing damage.Discover the power of representation and how a tax professional can negotiate massive debt reductions.Grasp the importance of separating personal and business finances to stay organized and audit-ready.Understand why ignoring IRS letters only worsens your situation and how facing them can lead to relief.And so much more!Key Moments:01:35 Meet Carlos Samaniego: A Journey from Military to Tax Professional02:12 The Tax Mistake That Changed Everything04:00 The Road to Tax Debt Consultants05:56 The Importance of Hiring a Tax Professional10:33 Understanding Tax Problems and Resolutions14:01 The IRS and COVID: A Collection Pause15:32 The Consequences of Ignoring IRS Letters19:06 Non-Filers: The IRS is Watching23:25 Success Stories: From Massive Debt to Relief27:32 Success Stories and Their Importance28:23 The Offer in Compromise Program Explained30:37 Negotiating with the IRS: Real-Life Examples31:57 The Five-Year Probation Period35:01 Choosing the Right Tax Professional37:35 Final Round: Quick Fire Questions44:55 Where to Find More Information46:58 Closing Remarks and Thank YouFind Carlos Samaniego:Speaker Website:https://carlossamaniego.com/ Company Website: https://www.taxdebtconsultant.com/LinkedIn: https://www.linkedin.com/in/carlossamaniego/Facebook:https://www.facebook.com/taxdebtconsultant/Instagram: https://www.instagram.com/jcarlossamaniego/X: https://x.com/carlossamaniego Average Joe Finances®All of our social media links and more: https://averagejoefinances.com/linksAbout Mike: https://mikecavaggioni.comShow Notes add-on continued here: https://averagejoefinances.com/show-notes/*DISCLAIMER* https://averagejoefinances.com/disclaimerSee our full episode transcripts here: https://podcast.averagejoefinances.com/episodesSupport the show
1394 Small business owners are drowning in disconnected tools, outdated financial processes, and rising economic pressure. But what if the right system could streamline it all—automate, unify, and help you finally scale? Today's guest is doing exactly that… Meet Gilad Uziely!Website: https://getsequence.ioSocial Media: @getsequence.io________ Go to www.BusinessBros.biz to be a guest on the show or to find out more on how we can help you get more customers! #Businesspodcasts #smallbusinesspodcast #businessmarketingtips #businessgrowthtips #strategicthinking #businessmastery #successinbusiness #businesshacks #marketingstrategist #wealthcreators #businessstrategies #businesseducation #businesstools #businesspodcast #businessmodel #growthmarketing #businesshelp #businesssupport #salesfunnel #buildyourbusiness #podcastinglife #successgoals #wealthcreation #marketingcoach #smallbusinesstips #businessmarketing #marketingconsultant #entrepreneurtips #businessstrategy #growyourbusinessWant to create live streams like this? Check out StreamYard: https://streamyard.com/pal/d/6164371927990272
In this episode of the Decide It's Your Turn podcast, Christina Lecuyer discusses her journey of continuous improvement in podcasting, the integration of AI tools in her coaching practice, and the importance of human connection in a technology-driven world. She shares insights from her client sessions, focusing on financial planning, career development, and work-life balance, emphasizing the need for action and clarity in achieving personal and professional goals.
Send us a textJoin us on Average Joe Finances as our guest Adi Klevit, an expert in process documentation and optimization, shares her journey from industrial engineering to founding her own business. She delves into the importance of documenting business processes, offering a step-by-step guide on how to start and refine these systems. The conversation covers various aspects such as the mindset needed for process implementation, the significance of delegation, and the benefits of having well-documented procedures. In this episode:Learn how documenting processes can unlock time, freedom, and long-term business scalability.Discover why starting with your biggest bottlenecks yields the highest ROI in system optimization.Grasp how process mapping and clear delegation improve team accountability and consistency.Understand the mindset shift needed for visionary leaders to embrace a process-driven business culture.And so much more!Key Moments:00:59 Guest Introduction: Adi Klevit01:31 The Importance of Process Documentation02:45 Challenges in Process Documentation03:26 Steps to Effective Process Documentation06:23 Return on Investment and Freedom11:42 Delegation and Process Mapping16:21 Mindset for Process-Driven Leadership17:42 Defining Standards and Processes18:19 Mindset and Accountability in Leadership19:07 Visionaries and Process Implementation21:43 Coaching and Revising Processes23:31 Starting from Scratch: Overcoming Overwhelm24:35 The Importance of Processes in Business26:38 Final Round: Personal Insights and Advice29:49 Where to Find More Information31:45 Final Thoughts and Closing RemarksFind Adi KlevitWebsite: https://bizsuccesscg.com/LinkedIn: https://www.linkedin.com/in/adiklevit/Average Joe Finances®All of our social media links and more: https://averagejoefinances.com/linksAbout Mike: https://mikecavaggioni.comAbout Tawnya: https://www.themoneylifecoach.com/Show Notes add-on continued here: https://averagejoefinances.com/show-notes/*DISCLAIMER* https://averagejoefinances.com/disclaimerSee our full episode transcripts here: https://podcast.averagejoefinances.com/episodesSupport the show
When we published our book Cashing Out in 2022, we knew we were making bold claims about work, money, and freedom. What we didn't know was just how fast the world would catch up to them.In this episode, we revisit our book 3 years after its release to reflect on the stories, predictions, and uncomfortable truths that still hold up in 2025. We also share what we've learned since, and why the book continues to resonate with people across different industries, life stages, and income levels.You'll hear: Why Cashing Out still ranks in the Top 250 Budgeting & Money Management books on Amazon Why financial independence was always about identity, not just math What we saw coming with AI, leadership churn, and the collapse of “safe” careers The surprising reason your first dollar outside of work changes everything Why over-specialization and “career loyalty” quietly keep people stuckWe also share our reflections on the book's impact and what we'd add if we wrote it today.If you haven't read Cashing Out yet, now's a perfect time. And if you've already read it, it's a great time to read it again with your 2025 eyes.Last but not least, if you know someone starting their career or rethinking their future, it makes a great giftLinks: Cashing Out AudiobookCashing Out Hardcover Cashing Out Kindle Connect with Julien and Kiersten on our website, Instagram, Twitter, and YouTube.Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life. Get our book Cashing Out: Win the Wealth Game by Walking Away, named 2023 best overall book about investing by Business Insider and one of the best personal finance books by ForbesIf you would like to learn more about investing, check out our newest class, Making Money Grow
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 3192: David Baughier lays out seven powerful reasons to bring a financial coach into your life from receiving unbiased advice and tailored strategies to building better habits and staying accountable. If you've struggled with debt, financial anxiety, or simply want to reach your money goals faster, this practical breakdown shows how coaching could be the missing piece. Read along with the original article(s) here: https://www.fiology.com/financial-coaching/ Quotes to ponder: "A financial coach is going to be able to give you the best advice based on your needs." "A financial coach will be able to tailor a custom financial plan to each person's individual situation." "A financial coach will also help you stay on the right path when it comes to paying down your debt, saving money on a regular basis, and maintaining your budget." Episode references: The Simple Path to Wealth: https://www.amazon.com/Simple-Path-Wealth-financial-independence/dp/1533667926 Mr. Money Mustache: https://www.mrmoneymustache.com Learn more about your ad choices. Visit megaphone.fm/adchoices
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