Podcasts about Money Talk

No innovation contributed more to westward expansion and American progress than the transcontinental railroad, but the road to that progress was paved in corruption and brutality. On this addition of our MoneyTalk Moment in Financial History, Nathan and Daniel tell the story of the first transcontinental railroad, and the greed, ambition and lives sacrificed to make it all possible. Also on MoneyTalk, how to choose your investment vehicle. Host: Nathan Beauvais, CFP®, CIMA®; Special Guest: Daniel Sowa; Air Date: 5/21/2025. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation!See omnystudio.com/listener for privacy information.

The 401(k) has been the primary retirement savings vehicle for decades, but with workers frequently changing jobs and cashing out their small 401(k)s, many believe itâs time for a solution more fitting for the times. Donna and Nathan discuss some of the proposals circulating for a new workplace retirement plan to help fill the gap in retirement savings. Also on MoneyTalk, 7 milestone ages in retirement, and Stock Trivia: Two Truths and a Lie. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®; Air Date: 5/20/2025; Original Air Date: 2/20/2025. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation!See omnystudio.com/listener for privacy information.

Credit cards can be a game-changer for your finances—or a slippery slope into debt. In this encore episode, we take an in-depth look at the pros and cons of credit card usage. From rewards points and cashback perks to the risks of high-interest debt and overspending, we break down when using a credit card helps and when it harms. If you've ever wondered, “Should I use a credit card or not?” this episode is for you. Tune in to learn how to make intentional financial decisions and decide if swiping is the right choice for you.       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    

Property tax revenue has plummeted since the pandemic, prompting local governments to raise taxes on property owners. Donna and Nathan discuss the factors that have led to this, and the fallout for homeowners. Also on MoneyTalk, current financial scams to be on the lookout for, and Stock Trivia: Two Truths and a Lie. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®; Air Date: 5/15/2025. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation!See omnystudio.com/listener for privacy information.

Advisors on This Week's Show Kyle Tetting Dave Sandstrom Kendall Bauer (with Max Hoelzl and Joel Dresang engineered by Jason Scuglik) Week in Review (May 12-16, 2025) Significant Economic Indicators & Reports Monday No major announcements Tuesday Broad inflation slowed in April to its lowest point in more than four years. The Bureau of Labor Statistics reported that its Consumer Price Index rose 2.3% from April 2024, still outpacing the Fed's 2% target but down from a four-decade high of 9.1% in mid-2022. Shelter costs c0ntributed more than half of the month's increase while grocery prices fell the most since mid-2020. Egg prices dropped nearly 13% from March but were 49% more expensive than they were in April 2024. The 2.3% year-to-year inflation rate was the lowest since February 2021. Excluding volatile costs for food and energy, the core CPI rose 2.8% from the same time last year, the same pace as in March. Wednesday No major announcements Thursday Inflation on the wholesale level registered a 2.4% annual increase in April, slowing for the third month in a row. The Producer Price Index was down 0.5% from March, the first decline in 16 months and the most since April 2020. The Bureau of Labor Statistics said the index shrank mostly because of lower prices for services, led by margins for machinery and vehicle wholesaling. The core rate of wholesale inflation, stripping out volatile prices for food, energy and trade services, sank 0.1% for the month and was up 2.9% from April 2024. Retail sales slowed in April, though consumers kept spending, according to a report by the Commerce Department. Advanced sales by retailers and food services rose 0.1% from March. Among 13 major categories, five increased sales from the month before, including bars and restaurants. Sales at supermarkets and liquor stores were unchanged. Car dealers and gas stations were among the outlets where sales declined. Adjusted for inflation, retail sales fell 0.2% in April. Economists follow store signs as an indication of consumer spending, which drives two-thirds of the U.S. economy. The four-week moving average for initial unemployment claims rose for the third week in a row, rising to its highest level since October. The measure of employer willingness to let workers go was 36% below the 58-year average, suggesting a continued tight labor market. According to Labor Department data, total jobless claims fell 3% from the week before to just under 1.9 million applications, which was nearly 6% higher than the year before, The Federal Reserve said its industrial production index was unchanged in April, though 1.5% above where it stood the year before. Lower output from manufacturing and mining was offset by increased production by utilities following an unseasonably warm March. Factories produced 0.4% less than March and were up 1.2% from April 2024. Industry's capacity utilization rate fell marginally to 77.7%, staying below the 52-year average of 79.6%. Seen as an early indicator of inflation, the capacity rate has been safely under the long-range average since late 2022. Friday Housing construction in April stayed in a relatively narrow band that has accompanied higher interest rates since mid-2022. A Commerce Department report on building permits and housing starts showed the indicators on par with levels in early 2007, just before the Great Recession. The number of houses under construction has been declining since late 2023 but remained near the housing boom peak of 2006. Economists have blamed a lack of inventory for years of escalating housing prices. The University of Michigan said consumer sentiment sank slightly from the end of April following four months of sharp declines. Since January, sentiment was down nearly 30%. More consumers spontaneously mentioned tariff uncertainty as reasons for angst for the economy and their personal finances.

As with every generation, Gen-Xers and Baby Boomers grew up with very different experiences, so it's no surprise that they have approached retirement savings very differently. Donna and Nathan discuss the factors that have led to this generational divergence in retirement planning. Also on MoneyTalk, choosing the right type of business entity, and Stock Trivia: Two Truths and a Lie. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®; Air Date: 5/13/2025. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation!See omnystudio.com/listener for privacy information.

As a young family with a lifetime of major expenses ahead of you, it can be hard to know where your savings should go. Donna offers guidance on how to use your resources to put you in the best position to achieving both your early and late stage financial goals. Also on MoneyTalk, planning a Roth conversion around the sunsetting of the TCJA, and how to handle inherited retirement accounts. Host: Donna Sowa Allard, CFP®, AIF®; Air Date: 5/12/2025. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation!See omnystudio.com/listener for privacy information.

In this enlightening and relatable episode, we open up about one of the most pressing topics for young adults: money. From learning financial independence the hard way to budgeting for cravings (yes, snacks included!), this conversation dives deep into the real experiences behind spending, saving, and everything in between.Whether you've been reckless with your finances, overly frugal, or just trying to figure things out, this episode will meet you where you are — without judgment. You'll hear personal journeys filled with mistakes, growth, and practical tips that may just transform how you think about money.This is more than just talk — it's perspective-shifting, heartfelt, and full of nuggets you can actually use.So grab a snack (within budget!), tune in, and let's grow together financially, emotionally, and mentally. ✨#MoneyTalks #TheVineyardPodcast #FinancialGrowth #RealTalk #CITAMChurchOnline #ChurchEveryday

BOSSes Anne Ganguzza and Danielle Famble tackle the often-overlooked financial realities of building a successful voiceover career. Their candid conversation reveals that achieving "overnight success" is typically the result of years of dedicated work and strategic sacrifices. They emphasize that time is a crucial financial asset and discuss the importance of making deliberate choices about where to invest it, alongside monetary resources. Anne and Danielle share personal experiences of delaying immediate wants to prioritize long-term business growth, highlighting the need for patience and a willingness to explore various income streams, even those outside one's primary passion. Ultimately, they empower voiceover professionals to take control of their financial journey by making informed sacrifices and defining their own path to sustainable success in the voiceover industry. 00:02 - Speaker 1 (Caller) Hi Anne, this is Jen Keefe from Real Women's Work Podcast. I just wanted to come on and say thank you, thank you, thank you for the series you're doing on AI and voice. I've listened to VO Boss Podcast for a few years now and it's always been informative and helpful, and not only is this series not an exception to that, but it is just the cherry on top. It has been so comforting and helpful to learn about this industry and I just thank you for taking all of the time you must have taken to research and understand, to know what questions to ask so that we're all better informed. It is just awesome, awesome, awesome. I feel excited and confident going forward into the future in the VO industry, all because of this series that you're doing. So thank you.  00:46 - Anne (Host) Hey guys, it's that season again. Are you feeling that tickle in your throat? Don't let a cold or flu slow you down. Combat your symptoms early with Vocal Immunity Blast, a simple and natural remedy designed to get you back to 100% fast. With certified therapeutic grade oils like lemon to support respiratory function, oregano for immune boosting power and a protective blend that shields against environmental threats, your vocal health is in good hands. Take charge of your health with Vocal Immunity Blast. Visit anganguzza.com to shop. 01:31 - Speaker 3 (Announcement) It's time to take your business to the next level, the boss level. These are the premier business owner strategies and successes being utilized by the industry's top talent today. Rock your business like a boss, a VO boss. Now let's welcome your host, Anne Ganguzza of.  01:45 VO Boss. Now let's welcome your host, Anne Ganguzza. 01:47 - Anne (Host) Hey guys, welcome to the VO Boss podcast and the Boss Money Talk series. I'm your host, Anne Ganguzza, and I am so excited to be back with special guest co-host Danielle Famble. Danielle, yay, hey, glad to be back, Danielle, it's been a while.  02:03 - Danielle (Guest) Yeah, it has.  02:04 - Anne (Host) And you've been traveling.  02:05 - Danielle (Guest) I have. I have been traveling. Me too, I just got back from the JMC Euro Retreat in Dublin, which was amazing. I went a couple days early to go shopping and had a really great time Speaking of shopping, I really like your shirt.  02:22 - Anne (Host) Oh my gosh, Well, thank you. I really really resonated with your shirt. Oh my gosh, Well, thank you. I really really resonated with the shirt. I also happen to be traveling in Europe and happen to go back to Amsterdam, which I absolutely love that town, and I saw this in the store no sacrifice, no success and it just had all these really positive, like motivating messages on it and I said, wow, I just really resonate with that and I must have it, and so I bought it and I wanted to wear it it.  02:44 And I said, wow, I just really resonate with that and I must have it. And so I bought it and I wanted to wear it today, and I think there's a message for all of us bosses. No sacrifice no success. Let's talk about sacrificing as it relates to the Money Talk series and financials.  03:00 - Danielle (Guest) Yeah, no, that's a huge part of financial success is sacrificing, sacrificing for your business, sacrificing the short term for your financial goals that are probably long term. That's a huge part of it. And I think that on the other side of that sacrifice, as your shirt says there is some level of success, because you need to be able to delay gratification sometimes to be able to get to success in what you're hoping to achieve in life.  03:27 - Anne (Host) Yeah, that's an interesting point that you bring up delaying gratification. You're absolutely right like I want this and I want it now because I feel like it's that kind of a I don't know. I feel like we're in that kind of culture these days where things are coming at us fast and we want things fast and a lot of times success does not come fast and so we need to kind of step it through. I was actually talking to one of my students the other day about like the steps I took to ultimately achieve my overnight success which, as I've said before on the podcast, took how many years.  03:59 I mean it took close to 10 years for that quote unquote overnight success.  04:05 But it took a lot of sacrifices, and not just financial, I mean. I know that this is the money talks, but financial can also mean your time, because your time is in essence money, especially when you're talking about your business.  04:17 - Danielle (Guest) Oh for sure, when you're talking about your business, there's parts of it that you just need to sort of stair step up.  04:23 So, you're probably front loading a lot of the education in the very beginning and that's a lot of time and it could be a lot of money, but it's mostly time intensive. And then from there then you can kind of take what you've been learning in that education phase and then implement it. But if you want to go from new to pro and you want it to happen quickly, if you try to go for like speed, you're going to be missing some things along the way. So the sacrifice is probably going to be sacrificing your time, it's probably going to be sacrificing your money and it's going to be making some difficult decisions. I mean, even with our business.  05:01 When I first started, I wanted a really expensive booth. I wanted the booth that I saw everybody else had on Zoom, and at that time I did not have that booth money. I just didn't. My business was not bringing in that much income and instead of just going after what it is that I wanted immediately, I chose to stair-step it and I chose to sacrifice what I wanted at that moment for the greater good of spending the money on coaching and spending the money on demos and things like that. And through that, for me success has come and I can afford that booth at some point. But now my goals have changed and the booth is not really the main thing that I'm wanting now. I'm wanting more education, maybe buying different mics or computers or peripherals to bring into the booth. So once you delay that, then you can kind of give yourself the time to recalibrate and readjust in your business.  06:00 - Anne (Host) Yeah, I love that you talked about like you're evolving, like because it does you stair-step it, but then your goals change and so even myself, I mean it's always, I think, an ever-growing, especially if you want to grow your business. Because I find myself I'm looking to diversify and to get into other things. As you know, everybody knows, I'm like a serial entrepreneur, but I like getting into other aspects of the voiceover business or other genres, getting into other aspects of the voiceover business or other genres, and so I've been actually spending a lot of time of which I don't have a ton studying and educating myself and taking classes.  06:31 And it was funny because, like last weekend, I literally I wasn't recording a VO Boss episode which is really odd for me because typically I do that on Saturdays but I found myself spending the entire day learning a new software so that I could see what were the capabilities, how could I implement this in the next step of growing my business. And that required me to sacrifice my entire Saturday and, of course, my happy hour and everybody's like you work so much. But I'm like, honestly, I really believe that doing the work now and getting the education and doing it during the times when I have available, I think it's going to and then commit to what they're going to do to get to those goals and figure out what sacrifices they're willing to make to get to those goals.  07:33 - Danielle (Guest) That's kind of the part of building and growing your business and scaling the business is that you're probably going to be making a lot of turns along the way, and are you okay with that and are you okay with the sacrifices that you're going to need to make in order to achieve those goals? So for you last week it was a sacrifice of time, but that time sacrifice is going to reap huge dividends later on when you know how to use that software. So really was the time sacrifice like that much of a sacrifice for you, or?  08:02 - Anne (Host) Is it something that was?  08:02 - Danielle (Guest) Really just an investment into your future.  08:05 - Anne (Host) And, interestingly enough, it was an investment into software, which I don't anticipate doing myself. I was looking into a new video editing software so I can create more content to get out right, so that I can again, like, get my brand out there. And so will I ultimately be spending all my time creating or editing videos? No, ultimately I'm going to be hiring somebody to direct them, but I want to know enough about this software to be able to intelligently direct them. And I think also, it's something to mention that, like you spoke about in the very beginning, we have to take sacrifices and maybe not get everything that we want immediately. Like our ultimate goal, I think, in voiceover is let's do something that brings us joy and let's make money at that. And ultimately, I think, along the way of achieving that goal, you might have to do things that may not bring you joy but will bring you income while you are trying to achieve that growth.  08:59 So I know for a fact when I was getting into voiceover and I went full time and I think I think I really speak to the people who are like they're part-time, maybe considering full-time, or they're part-time, considering dedicating more time to it that maybe they don't have and they've got a full-time job and they really hate their full-time job and they don't ever want to do anything like it again.  09:19 Well, I'll tell you what those skills are, what you have in order to ultimately, right, possibly, bring income in on a steady basis. So there might be an interim time where you might have to do consulting in something that you're really good at right. That can maybe help people so that you can bring in enough money to continually like reinvest that money into the growth of your career. And so I wanted to just say it may not be immediate gratification, like the society I think is these days, like I know myself, like I want it right away. I'm impatient, but I do believe that those steps to success and financially and when we talk financially we talk investing your money, having the money to invest as well as your time, which ends up turning into being money for you- oh, for sure, I always think that you need to follow the dollars and do whatever you can to get to your next dollar in business.  10:14 - Danielle (Guest) And if that is education, then follow that. If that is consulting, so that you can have additional money coming in, so that you can use that to channel into your business, then do it. Figure out how you can bring in resources and revenue so that you can use that to then grow your business. And I've said it before, I'll say it again it is totally okay to have your side hustle be what can fund your main hustle until it's time Like that's totally, totally fine, because there's no glory in being a starving artist.  10:52 I really don't think that that's the way that is going to be a long-term measurement of success for you to sort of take away from your current in the hopes of a possibility of a future when you could be doing things along the way to help like infuse capital into your life and your business to help keep you going for longer.  11:12 - Anne (Host) Absolutely. I mean, when you've got a family that might depend on that income, right, so it becomes more than just I mean really depends on where you're at in your life and who's depending on income coming in to pay a mortgage or to support a family. And so in reality, I'm always when my students are asking me should I go full-time into voiceover and they have a family and children, I'm like, well, you've got to really think about this because you need to be able to secure steady income coming in to be able to support, and it's wonderful and I get it. I mean, I think we all get to this point, or a lot of us get to this point, when we've been in a corporate job for a long time and we just it becomes toxic, we hate it and we're like we just want to do what we love full time.  11:55 Well, that may not be achievable within a day, obviously, or even a week, or even a year, because, as I mentioned before, it took me a good oh, I'm going to say maybe eight years before I really got a return on my investment when I went full-time. And so make sure you have that financial cushion to be able to support whatever it is that you need to support yourself, other family members, and it doesn't matter if you're an Uber driver or maybe you're taking the skills that you have during your day job and creating a side hustle business out of that in order to make the extra income. And I always try to say, well, let's make my side hustle. Something I love to do Doesn't necessarily have to be voiceover, and so I love podcasting, so I'm looking to expand my podcasting, consulting that kind of a thing. So how can I do that effectively? Right, how can I get the message out? And, gosh Danielle, after I figure out, like, how I want to grow, guess what comes next? I've got to market myself.  12:53 - Danielle (Guest) Yeah, and there's probably going to be more sacrifice in order to get to where you're going and also the sacrifice is looking at what is and figuring out what is or isn't working. So you're looking at your business, the landscape of your business now, and voiceover is working. The other things that you're doing are working, the podcasting is working, and so you're thinking, all right, well, all of these things are working, what else can I do and how else can I build it? And that's great. But also, if something's not working, then you really should look at that and say, all right, well, do I need to keep going down this path? That isn't working.  13:30 Maybe it is keeping a day job that you don't love and don't feel fulfilled with, but maybe you still need to be bringing in an income because you've got people to support and yourself to support.  13:40 Maybe it's just finding a different job that can help bring in income while you're working toward growing your voiceover business. Maybe there are certain genres that you really like, but you're not making a lot of money in and so maybe it's looking at all right, I do enjoy this particular genre, but I'm making a ton more money in a different genre. Let me keep cultivating that, but have the passion working in this genre that I love. That maybe isn't paying as much. Those kinds of hard questions are really the sacrifices I think that we're talking about here, not necessarily just financial, but understanding that to get to the level of success that you're wanting to get, whatever your measure of success is looking at the decisions that need to be made and making the hard choices and making those sacrifices, be it financial or otherwise, to then get you to where you're trying to go in your version of success.  14:35 - Anne (Host) I love how you brought up the different genres too, because it's something else to look at. When you're doing a genre, there's so many people that want to do, let's say, character voices or animation or promo, and it's something to be said that, while you're working toward that goal right, you can also financially invest yourself and your time into other genres that can be bringing you money in. While that happens and of course, that happens to be one of my specialties happens to be the corporate market, and I'm always trying to explain to people that it may not be the most glamorous and it may not be the one that brings you the most joy. However, when you talk about market share, you've literally got so many opportunities for corporate narration compared to maybe, let's say, animation, because there's only so many animated shows out there. However, I upped my number, I've now researched and my number is now 33.2 million registered companies.  15:28 It used to be 30.4. Now it's 33.2 million companies that are registered with the SBA in the United States, and so that's just a lot of opportunities, a lot of potential opportunities, because you've got those companies that probably have a website and they probably have a YouTube channel and they need a voice at one point or another to be able to talk about those products and services.  15:48 - Danielle (Guest) Yeah, that's a really great point, because there's part of this industry that can be purely just economics. It can just purely be about what pays the bills. And then there's other parts of it as actors, but figuring out what it is that you can do that pays the bills and also fills your soul. And it may not be the same thing, but how can you put your time and your energy and your efforts into creating as much money and fulfillment as possible in your day, in your life, in your business?  16:31 - Anne (Host) Yeah, absolutely. And it's so funny because I'm always like with corporate narration, people just think it's so boring and a lot of people just think it's so boring and I'm like, wow, I completely don't think that, because to me it's just challenging. It's challenging to be able to find the story in some of the corporate copy. It's not that it's necessarily to me boring, but I love the challenge. As an artist, I love the challenge of where is the story here and how can I tell it in the most interesting way. And also, just again, looking at the absolute size of the market that is out there and also understanding and keeping my eye on all sorts of other things happening in the industry. And so, while I have my eye on that, making sure that if I love being an entrepreneur and I love being a boss, how am I going to continue to bring in money when, let's say, maybe times are slow in the industry, Like there are also slow points in the marketplace Right now? Certain genres I think are busier than ever, like political.  17:33 And of course anybody that's doing commercials for the holidays, right? I mean, they've been busy. But maybe during the holidays there are certain other genres that aren't as busy, right? Maybe corporate narration isn't quite as busy, maybe e-learning is not quite as busy during that time. But understanding the fluctuations in the market and when those happen, for you I have the genre I always want to do character work, and so I'm continually working towards that. But to supplement my financial income, I'm going to do some corporate or I'm going to do some e-learning, or I'm going to do some telephony, whatever that is. And then understanding where the fluctuations are in the marketplace, and so if there is just no work coming in, then invest your time in figuring out how you're going to grow that business. And again, which translates to your time is money.  18:18 - Danielle (Guest) Yeah, and that is the measure of entrepreneurship, that is the measure of being the VO boss. That's what it means to look at. Okay, what's going on in the industry, what's going on with the things that I do well or genres that I would like to do well in, and how can I maneuver myself to be able to take advantage of all of it? Maybe not at the same time, but be able to move laterally into and out of genres when they're at their high points, or maybe moving out of something if there's a strike, for example. You know that's happening right now. Or figuring out, like, what's going on in the market and how you can maneuver your business to be the best positioned that it possibly can be. Like that's the name of the game. It's not just about what you do and how you show up in front of your mic. It's really about figuring out how you can position your business to win, no matter what the circumstances are as much as they say.  19:17 - Anne (Host) This is not a competitive industry, because every voice is unique. In reality, I'm competing against myself so that I can continually progress forward and win. I love it that you said win, because, danielle, I'm not competitive at all, right Me either.  19:32 - Danielle (Guest) I'm not competitive at all.  19:34 - Anne (Host) Not at all, but yeah, but really yeah, how can you win? How can you win? And, like you were mentioning earlier, what is your definition of success? Because there are some people that financial is not necessarily the definition of success and I know that we're going to actually have an episode coming up on like determining what is your hourly rate, like what is your hourly worth? Right In trying to determine what's working and what's not. How are you determining? Okay, I'm spending an hour learning this and what is that time worth? Versus if I get a commercial, I can make this amount of money. How does that translate into my hourly rate? If I do a corporate narration and I get paid once, how does that translate into my hourly rate? If I do a corporate narration and I get paid once, how does that translate? So you can kind of decide how you can move forward in your business and what you should work on, maybe what you should focus on or what goals you can set for the next level.  20:24 - Danielle (Guest) For sure I love that.  20:25 I think, then, that also brings a lot of ability to the individual voice actor to be the person who is choosing what winning and success looks like, and it's got nothing to do with what you're seeing in these Facebook groups or how other people are running their business.  20:40 It's got everything to do with what you have chosen, what you've decided, and it gives you something to do. I feel like sometimes it feels like so many things are out of your control. When it comes to running a business, when it comes to being a VO boss, it really is like, okay, well, I did this audition, did someone choose it or not? Have I been chosen? Are all these people, these gatekeepers out there? Is it working in my favor or not? But when you have something that you personally can do and you can take ownership of how you are running your business, it's empowering and really what you were just talking about is the individual business owner and entrepreneur and VO boss being able to empower themselves and choose what is your definition of success and what can you do to make sure that you get there. And then it's got nothing to do with anyone else choosing you or not choosing you. It's got everything to do with what you've done to make yourself the most successful that you can possibly be.  21:38 - Anne (Host) I love that. I feel like that could be a completely separate episode too, talking about what is it that you own, right? What is it that you own? There are things that we don't control, like do we get picked, do I get feedback? And that's the stuff I think a lot of voice actors get preoccupied with, like oh okay, so why am I not getting picked? Or I audition, but I never hear back, and so they spend all their time worrying about that.  22:02 But I think what you said is just absolutely on point, like what is it that you can do to control right? That you take control of what it is that you can control and that's going to be what moves you forward and that's what's going to keep you, I'm going to say, out of the mindset of self-sabotage or imposter syndrome. And so I can't control whether somebody picks me or not necessarily for my audition, because there are so many elements that aren't in my control. But I can control my performance. I can control how good I am right. I can control my performance. I can control how good I am right. I can control getting coaching if I need more. I can control marketing in my business, right. I can control researching what's happening and what trends are happening now. So those are things I can do.  22:44 - Danielle (Guest) You can control your audio quality. You can control how much money you're saving and reinvesting in your business. You can control who you work with. You can say no to working with certain clients and certain jobs if it doesn't serve you or the rate doesn't serve you or the subject matter does not serve you. There are so many things that are in your control that owning that and really living in the peace of the ownership of that really can be what helps you feel like you're actually doing a little bit more every single day to be the VO boss that you ultimately want to be.  23:20 - Anne (Host) Yeah, and your mention of how empowering that is, I mean that is so empowering. I mean I know that, me the control freak. Maybe that's why I'm a serial entrepreneur, I have no idea because I can control that, I can control the education, I can control the direction that I'm moving and if it's not necessarily moving the way I want it to or expect it to, I can move it again and I can change it again. And so that keeps me the control freak, which it can be a good thing, it can also be a bad thing, but I think for me, I utilize that personality trait that I have of always wanting to have control in a positive way to help me grow and then still understanding that I have these things under my control and then understanding, almost more importantly, what it is that is not under my control and not allowing that to affect me in any way in terms of my mental state.  24:06 - Danielle (Guest) Yeah, yeah, yeah, for sure.  24:09 - Anne (Host) Wow, what a great conversation. So yeah guys, no sacrifice, no success. I am a big believer in really taking the ownership, making the sacrifices that you need, and that sacrifice doesn't necessarily need to be money. It could be your time, your dedication, your effort, your spirit, right, all of that. Whatever, it takes that kind of go-get-em sort of boss attitude that just goes for it and just tries things. If it doesn't work, try it another way, right, and really tries not to allow any of that to get in the way, or even yourself to get in the way.  24:45 - Danielle (Guest) Yeah, I love it.  24:45 - Anne (Host) Danielle, I love it. Great, great conversation. I'm going to give a great big shout out to our sponsor, ipdtl. You too can connect and network like bosses. Find out more at IPDTL.com and, guys, you have an amazing week. Go out there and make those sacrifices, because we know you guys are going to be great successes. So have a good one, guys, and we'll see you next week. See you later, bye.  25:13 - Speaker 3 (Announcement) Join us next week for another edition of VO Boss with your host, Anne Ganguzza, and take your business to the next level. Sign up for our mailing list at vobosscom and receive exclusive content, industry revolutionizing tips and strategies and new ways to rock your business like a boss. Redistribution with permission. Coast-to-coast connectivity via IPDTL.   

Business owners can choose from a variety of entity types when organizing their business for limited liability, and deciding which to use depends largely on which type serves their best interest in terms of taxes. Nathan discusses the different options for registering your business and the benefits and drawbacks of each. Also on MoneyTalk, 10 things you should know about bonds, and understanding the different investment categories. Host: Nathan Beauvais, CFP®, CIMA®; Air Date: 5/9/2025. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation!See omnystudio.com/listener for privacy information.

Money Talk 5-11-25 by

As you age, your financial priorities will change with you, so when we create a financial plan it is often useful to look at each decade separately, allowing your plan to evolve to meet the needs of each moment. Donna and Nathan discuss the typical areas of focus that come with each decade as you journey toward retirement. Also on MoneyTalk, Stock Trivia: Two Truths and a Lie. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®; Air Date: 5/8/2025; Original Air Date: 2/7/2023. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation!See omnystudio.com/listener for privacy information.

In this special episode the tables are turned as my dear friend and colleague Alex interviews me about The SHIFT Method – a framework I've developed to help people transform every area of their life, including their relationship with money.After nearly nine years as a coach and energy healer, I'm finally sharing how this method emerged organically from my own journey and practice. The SHIFT Method synthesizes everything I've learned through Human Design, Gene Keys, Kabbalah, and various energy healing modalities into a powerful approach that's applicable to all aspects of life. While we can use it to reshape our financial reality, it's truly a holistic method for personal transformation.What You'll Learn in This Episode:

Kyle Tetting and Adam Baley discuss Fed plans for interest rates, company reports on earnings and more affecting investors.

Companies often use stock options as an incentive to attract talent, and while highly coveted, they are also highly complex and often misunderstood. Donna and Nathan discuss two common types of stock options, RSUs and non-qualified stock options, and how they work. Also on MoneyTalk, 7 milestone ages in retirement planning, and Stock Trivia: Two Truths and a Lie. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®; Air Date: 5/6/2025. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation!See omnystudio.com/listener for privacy information.

In today's episode, Alex and I are diving into a conversation few people are willing to have - but it's the one that holds the key to lasting financial expansion:✨How unresolved fears and hidden triggers quietly block wealth and abundance✨Why your relationship with money isn't just about how much you have, but how safe your nervous system feels to hold it✨How avoidance patterns (like staying busy or chasing money) keep you stuck in scarcity loops✨The real reason triggers with money are actually invitations into deeper freedom and receiving✨Our personal stories of moving through money fears — from homelessness triggers to bill panic — and how surrender + alchemy shifted everythingWe also explore why traditional mindset work and "positive thinking" often fall short, and how integrating your emotional and energetic triggers is the real portal to relaxed, grounded wealth.This is not about chasing more money to fix your life.It's about expanding your capacity to hold, circulate, and enjoy money — from a calm and deeply connected space.If you're ready to stop running from your money triggers and instead allow them to open you to greater abundance, this conversation will feel like a breath of fresh air.And if you're ready to go deeper, our Whealth Frequency program begins May 14 - where we guide you step-by-step to alchemize your money triggers, rewire your receiving patterns, and create a new, soul-aligned financial reality.Join us here: https://courses.analenafuchs.com/the-whealth-frequency(Enrollment is open + early sign-up bonus ends 5/5!)****Ways to connect and work with Alex: https://www.alexandradanieli.com/coachingThe Undefined Empire for Projector and Reflector Entrepreneurs: https://www.skool.com/the-undefined-empire/about Book a Business Growth Mapping Session:https://calendly.com/alexandradanieli/business-growth-mapping-sessionAlex' Insta: https://www.instagram.com/alexandra.danieli Ways to connect and work with Analena: Book a 1-on-1 True Sidereal Human Design or Gene Keys Reading to expand into your Genius: ⁠⁠https://calendly.com/analenafuchs/⁠⁠ Analena's Website: ⁠⁠https://www.analenafuchs.com⁠⁠ Analena's Instagram: ⁠⁠https://www.instagram.com/analena.fuchs/⁠⁠ Ready for high-touch 1-on-1 mentorship with Analena? Book a "Clarity on Purpose Call: ⁠⁠https://calendly.com/analenafuchs/clarity-call⁠#humandesign #humandesignbusiness #spiritualmoney #kabbalah #spiritualbusiness #astrology

Growth in life is largely about learning from your mistakes, but at a certain point in our journey we will no longer have the benefit of time to recover from those mistakes, so having a plan is essential. Nathan discusses some common mistakes to be mindful of as we prepare for retirement, including: outliving your assets, favoring accumulation over distribution, failing to account for inflation, and much more. Also on MoneyTalk, how to determine which of the three core asset allocation strategies is right for your portfolio. Host: Nathan Beauvais, CFP®, CIMA®; Air Date: 5/2/2025; Original Air Dates: 6/12/2023 & 7/28/2023. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation!See omnystudio.com/listener for privacy information.

Do finances cause stress in your relationship? Have you and your partner avoided conversations about money? Or do you find yourselves stuck arguing over small expenses like groceries and takeout? When it comes to relationships, money is one of the biggest sources of conflict—but it doesn't have to be. Personal finance expert Ramit Sethi, host of the Netflix series How to Get Rich and bestselling author of Money for Couples, talks about how couples can work together to address money. Some of the things we talk about are: Why over half of couples don't know their own household income (and how that creates conflict). How to create a shared vision of a “rich life” together. Why arguing about small expenses is a losing battle (and what to focus on instead). A simple framework to start having positive, productive money conversations. The importance of guilt-free spending and why financial independence matters for both partners. Subscribe to ⁠Mentally Stronger Premium⁠ for exclusive content, such as bonus episodes, signed books, and 30-day challenges that will keep you growing stronger. Links & Resources iwillteachyoutoberich.com/ Money for Couples Follow Ramit on Instagram — @ramit Connect with the Show Buy Amy's ⁠books on mental strength⁠ Connect with Amy on Instagram — ⁠@AmyMorinAuthor⁠ Sponsors OneSkin — Get 15% off OneSkin with the code STRONGER at ⁠https://www.oneskin.co/⁠ #oneskinpod Calm — Get 40% off a Calm Premium Subscription at ⁠calm.com/STRONGER⁠ AirDoctor — Head to ⁠AirDoctorPro.com⁠ and use promo code STRONGER to get UP TO $300 off today! Shopify — Sign up for your one-dollar-per-month trial period at ⁠Shopify.com/mentallystronger⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

Nearly 1/3 of 401(K) assets are held in target date funds, and with recent statistics showing the composition of these funds becoming riskier, some are questioning how this might impact investors in the long term. Donna and Nathan discuss why target date funds are becoming more aggressive, and how to use them appropriately in your portfolio. Also on MoneyTalk, when DIY investors should consider professional advice, and Stock Trivia: Battle of the Sowas. Investments in target-date funds are subject to the risks of their underlying holdings. The year in the fund name refers to the approximate year (the target date) when an investor in the fund would retire and leave the workforce. The fund will gradually shift its emphasis from more aggressive investments to more conservative investments based on its respective target date. The performance of an investment in a target-date fund is not guaranteed at any time, including on or after the target date Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®; Air Date: 5/1/2025. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation!See omnystudio.com/listener for privacy information.

Money Talk 5-4-25 by

Advisors Kyle Tetting, Art Rothschild & John Sandstrom discuss another jumpy week and what it means for long-term investors.

With spending cuts taking place at nearly all levels of government, many soon-to-be retirees are being prompted to claim their Social Security benefits early, potentially accelerating the timeline in which the system reaches insolvency. Donna and Nathan discuss how this trend may impact peoples' ability to retire, and what measures are being considered to create a more sustainable safety net for our nation's seniors. Also on MoneyTalk, Stock Trivia: Two Truths and a Lie. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®; Air Date: 4/29/2025. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation!See omnystudio.com/listener for privacy information.

Many have a romanticized vision of how theyâll spend their time in retirement, but the reality is often far more mundane, and it can be easy to find yourself falling into an unhealthy routine. Donna discusses the importance of taking the time to plan for how youâll use that long-coveted free time as you approach retirement. Also on MoneyTalk, claiming strategies for Social Security, and income and contribution limits for IRAs in 2025. Host: Donna Sowa Allard, CFP®, AIF®; Air Date: 4/28/2025. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation!See omnystudio.com/listener for privacy information.

In this second episode of Spiritual Money Talks, I reunite with my wonderful friend and colleague Alex to explore how accessing your zone of genius directly impacts your relationship with wealth and abundance.We dive deep into how aligning with your true purpose and unique gifts creates a natural pathway for financial abundance to flow into your life. After experiencing profound shifts in our own money relationships through consistent practice, we're excited to share these transformative insights with you.What You'll Learn in This Episode:

How you choose to draw on your retirement assets can make a big difference in your overall tax liability, so unless you're feeling charitable towards the US government, having a strategy is critical. Donna and Nathan discuss the order in which you withdraw from your retirement accounts, and some actions you can take in the years leading up to retirement to help you benefit from more of your hard earned income. Also on MoneyTalk, preparing for unplanned expenses, and Stock Trivia: Battle of the Sowas. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®; Air Date: 4/24/2025. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation!See omnystudio.com/listener for privacy information.

Money Talk 4-27-25 by

 Boxman and Smark are back this week and talking Wrestlemania 41. Cheezeman from the Totally Inappropriate Team Sports show also joins us to keep us updated on the NFL draft that was going on. We also talked about Steve “Mongo” McMichael passing away at the age of 67 after a long battle with ALS, WrestleMania 41 in Las Vegas most-successful event in WWE history, WWE Announces Acquisition Of Lucha Libre AAA, Worlds Collide Show Set For June, WWE: Unreal, Chris Bey introduced Brodie Lee Jr in his professional wrestling debut, Several WWE & AEW Stars Backstage At Josh Barnett's Bloodsport Show In Las Vegas, NV, Latest Update On AEW Star Darby Allin's Mt. Everest Summit, AEW's HOOK to feature in short film ‘MONEY TALK$' at Tribeca Film Festival, and more.  Check us out live every Thursday at 9:30 PM E Live on YouTube: https://www.youtube.com/@wrestlingoutletpod Apple Podcasts: https://podcasts.apple.com/us/podcast/dirt-sheet-dudes/id1471552947?uo=4 Google Podcasts: https://www.google.com/podcasts?feed=aHR0cHM6Ly93d3cuc3ByZWFrZXIuY29tL3Nob3cvMzYwMzg2NS9lcGlzb2Rlcy9mZWVk Facebook: https://www.facebook.com/wrestlingoutlet/ Twitter: @wrestlingoutlet Email: wrestlingoutletpod@gmail.com

Landaas advisors Kyle Tetting, Dave Sandstrom and Kendall Bauer explain how market developments affect long-term investors.

The Department of Labor is embroiled in a legal dispute with the insurance industry over legislation aimed at protecting consumers from inappropriate annuity sales practices. Donna and Nathan discuss both sides of the debate and explain why they believe the case against annuities may be being oversold. Also on MoneyTalk, understanding tax categories, and Stock Trivia: Two Truths and a Lie. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®; Air Date: 4/22/2025; Original Air Dates: 8/19/2024 & 8/20/2024. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation!See omnystudio.com/listener for privacy information.

On this episode of Lady Journey, Katie and Sarah tackle life's biggest questions—like how to put on a duvet cover without losing your soul

Have you ever felt caught between over-investing in business programs and being too frugal with your money?In this brand new series of Spiritual Money Talks, I'm joined by my dear friend and colleague Alex for a candid conversation about our entrepreneurial money journeys. We share how we met seven years ago in an expensive online program (that wasn't right for either of us!), and the many financial lessons we've learned since then.Alex and I explore the two common extremes entrepreneurs fall into: either putting money on a pedestal and over-investing out of scarcity, or holding on too tightly out of fear. We discuss how Human Design, Gene Keys, Kabbalah, and other spiritual systems have helped us develop healthier relationships with money and make investment decisions that feel aligned rather than pressured.What You'll Learn in This Episode:

Social Security is a core component of most Americansâ retirement plans, but it may surprise you to hear that it was highly controversial when initially proposed, and to get it passed, Congress had to include complex provisions which still exist to this day. Donna and Nathan discuss the intricacies of the Social Security system, and the reasons why it has been so difficult to reform. Also on MoneyTalk, how AI is being used to enhance the services that financial advisors provide. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®; Air Date: 4/18/2025; Original Air Date: 6/20/2023 & 7/1/2024. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation!See omnystudio.com/listener for privacy information.

One of your advisor's jobs is to act as facilitator for you and your spouse, ensuring that all parties have a clear and active role in the financial decisions that impact them. Donna and Nathan discuss the benefits of having an all-in approach to managing your finances, and some of the planning topics that frequently come up. Also on MoneyTalk, the pros and cons of using target date funds, and Stock Trivia: Two Truths and a Lie. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®; Air Date: 4/17/2025; Original Air Date: 8/13/2024. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation!See omnystudio.com/listener for privacy information.

Jim discusses the shaky state of the economy and markets with Chris Farrell, senior economics contributor for Marketplace and Ross Levin of Accredited Investors Wealth Management (2:00). Gayle explores the safety net's future with Nancy Altman, Founder and President of Social Security Works (28:00). Plus an update of local news (48:00). Matt Quast is Technical Director. This Week's GuestsChris Farrell, Marketplace and MPR Ross Levin, Accredited Investors Wealth Management  Nancy Altman, Social Security Works Email us:riverradio@marinecommunitylibrary.orgGovernment Links:City of Marine on St. CroixCity of ScandiaMay TownshipWashington CountyArticle/Information LinksRoss Levin articles for StarTribuneRiver Radio Previous ShowsMarch 29 River Radio with Grant GrissomEvent LinksArrow Broken Collective Poetry Events (or email arrowbrokenpoets@gmail.com)Business/Organization Links:Marine Community LibraryMaklin Bike Shop

Show notes:  

After another bumpy week, Kyle Tetting, Adam Baley and Mike Hoelzl offer updates and insights for long-term investors.

Lots of money talk this week— campaign money, tariff money and state tax money. Jeff Schapiro, political columnist at the Richmond Times-Dispatch, and Michael Pope recap the week in politics and state government.

Rente? Reform? Fehlanzeige. Warum der Staat dich hängen lässt und du jetzt selbst handeln musst. Jetzt Podcast-Folge anhören.

In the 1950 about 35% of US private sector jobs were in manufacturing, today that figure stands at just over 9%, so the big question is, how did we lose our place as the world's manufacturing powerhouse? Nathan tells the story of how factors such as Americans' rise in affluence led to the decline in domestic manufacturing, and whether there is anything that can be done to bring it back. Also on MoneyTalk, why do financial bubbles occur, and are average investors listening to the wrong people for investment advice? Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®; Air Date: 4/15/2025. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation!See omnystudio.com/listener for privacy information.

The world feels more uncertain than ever, doesn't it? From unpredictable markets and rising costs to economic shifts and global inflation, there's no shortage of challenges to keep us on edge. Financial uncertainty is particularly stressful, especially when it leaves so many of us wondering what the best move is to protect what we've worked so hard to build. Recently, one pivotal question came up that many of you have likely asked yourselves as well: "Should I be doing something differently with my money right now?" We'll share our thoughts on that question in this episode. We'll explore why staying calm, creating a plan, and staying realistic about your goals can help ease the anxiety surrounding money in uncertain times.       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  

In this episode, I sit down with Samantha Eck—a former creative turned fractional CFO—for a candid conversation about something we don't talk about enough in the art world: money. Whether you're just starting your creative business or working to grow it full-time, this episode is here to help you ditch the shame, understand your numbers, and feel more confident managing your finances. We talk about: How Samantha's creative background led her to become a fractional CFO for artists and entrepreneurs Why financial literacy is a game-changer for growing a creative business How to reframe budgeting as a tool for freedom, not restriction The emotional side of spending—and how to navigate it with compassion Setting financial goals that actually support your big dreams Why “money dates” should be on your calendar How to know when it's time to bring a financial professional onto your team The power of celebrating financial milestones (no matter how small!) What every side hustler should know before going full-time This is a must-listen for creatives who want to build a sustainable business and a healthy relationship with money—without feeling overwhelmed or behind. Tools and takeaways: Tracking your numbers helps you make empowered decisions You deserve to be paid for your work Start with monthly money check-ins—even if it's just you Awareness around emotional spending can change everything Budgeting doesn't have to feel heavy—it can actually feel freeing Connect with Samantha Eck Website: https://firestormfinance.com/ Instagram: @firestormfinance Podcast: Creative Minds, Smart Money

Josh Belinsky is the co-founder of Slate Milk, a company he started in 2018 alongside fellow Northeastern University alumnus Manny Lubin. Their mission was to reinvent chocolate milk for modern consumers by creating a healthier, lactose-free version that's high in protein and low in sugar. Despite facing initial challenges, including a rejection on "Shark Tank" in 2019, Slate Milk has achieved significant success, selling millions of cans and expanding nationally. ​LinkedIn+9Alumni Relations+9Northeastern Global News+9GeeksAroundGlobeFood Republic+2Northeastern Global News+2D'Amore-McKim School of Business+2 Product Information: Classic Chocolate Protein Shake: This shake offers 20g of protein, 1g of sugar, and 100 calories per 11 fl oz can. It's lactose-free, keto-friendly, and contains no added sugar. ​Target : Expect More. Pay Less.+9Walmart.com+9Amazon+9 Where to Purchase: Slate Milk Official Website: Explore and purchase their full range of products directly.​Slate Milk+4Slate Milk+4Whole Foods Market+4  

Tax season doesn't have to be stressful—it can actually be an opportunity to improve your financial health! In this episode, we break down essential strategies to help you tackle tax season with confidence. Learn how to create a clear plan, avoid common mistakes, and use taxes to work for you—not against you. Whether you're a first-time filer or a seasoned pro, this episode is packed with tips to make tax time less overwhelming and more empowering.   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  

Money and relationships — it's complicated. But what if those tough conversations with your partner could actually bring you closer?  In this episode, Jean Chatzky sits down with personal finance expert and bestselling author Ramit Sethi to talk about how couples can stop fighting about money and start building their rich life together. Resources & Links Mentioned:

TAKE THIS PERSONALLY WITH MORGAN HUELSMAN: MONEYYYYY!