Podcasts about Money Talk

For better or for worse, we all dream of winning. In this week's Talking Money, Etholle discusses the intricacies of The National Lottery. 

Work travel isn't easy on any relationship. Being apart meant missing daily routines together, the spontaneous laughter, the small but significant little things that bind a family. In our early days, it felt like two lives moving in parallel, connected yet separate. Now, after years of learning, growing, and adjusting, we've weathered every phase of work travel together. It took time, growing pains, and intentional effort, but we've figured out ways to keep our relationship solid, no matter how many miles apart or what time zones we are in. Whether you're traveling for work, or holding down the fort at home, listen to this week's episode to hear the strategies that have helped us stay connected.       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  

Sometimes a client will come in thinking that their portfolio may need some slight adjustments, only to discover that what they really need is portfolio triage. Donna takes us through some client portfolio nightmares, and how they came to pass. Also on MoneyTalk, how to simplify your retirement tax situation. Host: Donna Sowa Allard, CFP®, AIF®; Air Date: 6/16/2025; Original Air Date: 10/30/2023. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation!See omnystudio.com/listener for privacy information.

President Eisenhower famously said âWhat is important is seldom urgent, and what is urgent is seldom important, highlighting the difference between tasks that demand immediate attention, and those that contribute to long term goals. Nathan discusses how this principle applies to our retirement goals, and how a disciplined approach to planning can help us avoid this common pitfall. Also on MoneyTalk, the problem with thinking of your home as an investment. Host: Nathan Beauvais, CFP®, CIMA®; Air Date: 6/13/2025; Original Air Dates: 10/11/2023 & 12/8/2023. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation!See omnystudio.com/listener for privacy information.

The grass court season has officially begun—and there's no time to catch your breath after that epic Alcaraz vs. Sinner Roland Garros final! Join Joel, Kim, and Chris at Tennis Weekly HQ as they dive into a jam-packed first week of action on the lawns. From Tatjana Maria's fairytale run as a qualifier to win the first WTA event at Queen's in over 50 years, to Elise Mertens saving 11 match points in the Netherlands, there's no shortage of drama. Is Maria one of the last true grass court specialists? And what makes her so tricky for power players like Keys and Rybakina?The trio also breaks down Taylor Fritz's continued dominance over Zverev in Stuttgart, Emma Raducanu's headline-grabbing claim that she's “not playing for money,” and the LTA's push for prize money parity at Queen's by 2029. Plus, there's a fresh round of Par for the Courts, and a heated Mailbag debate over Qinwen Zheng's suspicious shoe malfunctions or whether it's just a bit of bad PR for the Nike trainer department. Joel isn't buying it, are you?SOCIALSFollow us on Twitter, Instagram, TikTok and YouTube, plus email the show tennisweeklypod@gmail.com.MERCHPurchase Tennis Weekly Merch through our Etsy store including limited edition designs by Krippa Design where all proceeds go towards the podcast so we can keep doing what we do!REVIEWS***Please take a moment to rate and review the show on Apple Podcasts, Spotify or wherever you get your pods. It really means a lot to us at HQ and helps make it easier for new listeners to discover us. Thanks!*** Hosted on Acast. See acast.com/privacy for more information.

Nearly half of marriages today end in divorce, and surveys show that the leading causes for these failed unions involve differences around money. Donna and Nathan discuss the importance of financial compatibility between partners, and the critical role of communication in maintaining a healthy relationship. Also on MoneyTalk, IRS gifting rules, and Stock Trivia: Two Truths and a Lie. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®; Air Date: 6/12/2025; Original Air Dates: 10/5/2023 & 11/21/2024. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation!See omnystudio.com/listener for privacy information.

Kyle Tetting, Mike Hoelzl, Kendall Bauer warn about scams aimed at older investors, cover news hitting long-term portfolios.

Any reward worth pursuing likely comes with an equal measure of risk, but by taking the time to plan for those potential risks, you can ensure that your journey is a considerably less stressful one. Donna and Nathan discuss how to prepare for some of the risks you will face as you enter retirement. Also on MoneyTalk, the benefits of budgeting, and Stock Trivia: Two Truths and a Lie. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®; Air Date: 6/10/2025; Original Air Dates: 10/27/2022 & 7/29/2024. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation!See omnystudio.com/listener for privacy information.

Retirement planning is a life-long endeavor, and ruminating over the financial question marks that linger in the back of our minds can weigh on us over time. Donna and Nathan discuss retirement planning issues that keep people up at night, including: whether or not their money will last, how to pay for long term care, sorting out financial clutter, and much more. Also on MoneyTalk, how politics have shaped the social security system and stood in the way of sustainable reform. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®; Air Date: 6/9/2025; Original Air Dates: 8/29/2023 & 7/1/2024. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation!See omnystudio.com/listener for privacy information.

Group Therapy focused on not knowing what her fiance's finances look like...is that a problem? Personalized AI songs kick off unique ride share stories and what's the unusual way you met your mate? Started by a woman who put 2 years into catching her hubby's eye at the most unexpected place!

Even if you know all of the rules that govern Traditional and Roth IRAs, deciding on which to use and how to use them can still be a difficult one. Donna and Nathan discuss the differences between Traditional and Roth IRAs, and the types of questions you should be asking yourself when deciding how to incorporate them into your retirement planning. Also on MoneyTalk, milestone ages in social security planning, and Stock Trivia: Two Truths and a Lie. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®; Air Date: 6/5/2025; Original Air Date: 1/23/2024 & 7/1/2024. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation!See omnystudio.com/listener for privacy information.

Money Talk 6-8-25 by

Amid distracting headlines and new economic data, investors continue to show caution, as Landaas investment advisors discuss.

On this episode, we're focusing on the topic of money with finance expert Vivian Tu—or Your Rich BFF, as most of the internet knows her. Tu began her career on Wall Street and now creates finance content for her over eight million followers across social platforms. Today, she's breaking down what the tariffs will mean for small businesses and consumers, how to prepare for economic downturns, and the steps people can take to travel on a budget this summer. Plus, she offers her tips on how to navigate the many expenses associated with summer weddings.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Elon Musk's recent criticism of Trump's spending bill has added fuel to burgeoning fears that the federal deficit may reach a critical level, and the potential fallout for the country. Donna and Nathan discuss the One Big Beautiful Bill, its potential impact on yields, and the likelihood of it propelling markets into a new recession. Also on MoneyTalk, the historic legacy of Warren Buffett, and Stock Trivia: Two Truths and a Lie. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®; Air Date: 6/3/2025. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation!See omnystudio.com/listener for privacy information.

With spending cuts being applied to some critical government entitlements, 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, goal setting advice for young adults. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®; Air Date: 6/2/2025; Original Air Dates: 7/31/2023 & 4/29/2025. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation!See omnystudio.com/listener for privacy information.

Trusts are a useful tool to ensure that your assets are distributed according to your wishes, however the role of the trustee is critical in the execution process, and sometimes it can be in your best interest to leave these complicated legal matters to a third-party. Nathan and Steve talk with the head of the Wealth and Trust division at Bluestone Bank, Bob Peixoto, to discuss corporate trustees, when they are typically used, and how they work to protect the interests of Grantors in complex trust situations. Also on MoneyTalk, lessons on risk from Morgan Housel's book, “Same as Ever”. Hosts: Donna Sowa Allard, CFP®, AIF®, Nathan Beauvais, CFP®, CIMA® & Steven Beauvais; Special Guest: Bob Peixoto; Air Date: 5/30/2025; Original Air Date: 7/7/2023. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation!See omnystudio.com/listener for privacy information.

Moneytalk 6-1-25 by

Episode 30 – Should Money Talk? Inequities in Funding and Influence in the Nonprofit Sector  They say money talks. Is this true for the nonprofit sector, where a relatively small number of large charities receive the lion's share of available funding? Have well-funded charities dominated the public policy governing our sector, drowning out the voices of the vast majority of small charities and nonprofits across the country?  In this episode of CharityVillage Connects, we take a closer look at the impact this inequitable power dynamic has on the sector, the problems it causes, and what can be done about it.  Meet Our Guests in Order of Appearance  Steven Ayer, President and Founder, Common Good Strategies John Hallward, President, Sector3Insights Mark Blumberg, Lawyer, Blumbergs Professional Corporation Liban Abokor, CEO, Reimagine LABS Minnie Njeri Karanja, Founder and Executive Director, Impact Weaving Coaching and Consulting  About your Host Mary Barroll, president of CharityVillage, is an online business executive and lawyer with a background in media, technology and IP law. A former CBC journalist and independent TV producer, in 2013 she was appointed General Counsel & VP Media Affairs at CharityVillage.com, Canada's largest job portal for charities and not for profits in Canada, and then President in 2021. Mary is also President of sister company, TalentEgg.ca, Canada's No.1, award-winning job board and online career resource that connects top employers with top students and grads. Past CharityVillage Connects Episodes Canadian Philanthropy: Time for a Shake Up? (Discussion of disbursement quota) Additional Resources from this Episode We've gathered the resources from this episode into one helpful list: Unfunded: Black Communities Overlooked by Canadian Philanthropy (2020)  Foundation for Black Communities Advisory Committee on the Charitable Sector Canadian charities giving to Indigenous Charities and Qualified Donees - 2019 (Canadian Charity Law, 2022) Learn more and listen to the full interviews with the guests here. 

Retirement planning is all about balance, and the moves you make can only make sense if they are part of a broader strategy that youâre willing to stick to. Donna and Nathan discuss some strategic moves that you can make along the road to retirement to put you in the best position to meet your long term goals. Also on MoneyTalk, Stock Trivia: Two Truths and a Lie. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®; Air Date: 5/29/2025; Original Air Date: 5/23/2023. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation!See omnystudio.com/listener for privacy information.

In this Rappin Dough episode, Don Bucks breaks down the mindset, strategy, and deeper meaning behind the Instagram posts from April 26, 2025. This isn't just content—it's a blueprint for how high earners can level up financially without getting distracted by clout or consumer traps. From investing gems to real talk about money habits and lifestyle alignment, Don unpacks the why behind each post to help you move smarter with your dollars and decisions.

Kyle Tetting, Art Rothschild and John Sandstrom talk about inflation, Interest rates and adjusting investment allocations.

Episode 30 – Should Money Talk? Inequities in Funding and Influence in the Nonprofit Sector They say money talks. Is this true for the nonprofit sector, where a relatively small number of large charities receive the lion's share of available funding? Have well-funded charities dominated the public policy governing our sector, drowning out the voices of the vast majority of small charities and nonprofits across the country?  In this episode of CharityVillage Connects, we take a closer look at the impact this inequitable power dynamic has on the sector, the problems it causes, and what can be done about it. 

The passing of the One Big Beautiful Bill by the House has garnered much attention for its tax implications, but another focus area of the bill that will impact millions of Americans is Medicare. Donna and Nathan discuss how to prepare for the changes coming down the pike for Medicare beneficiaries and providers due to the new budget bill. Also on MoneyTalk, upcoming changes to IRA catch-up contribution rules stemming from the SECURE Act 2.0, and Stock Trivia: Two Truths and a Lie. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®; Air Date: 5/27/2025. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation!See omnystudio.com/listener for privacy information.

If you are one of the millions of Americans who doesn't have a will, trust, or other estate planning tool in place, your assets are left at the mercy of the laws of the state in which you live, which can lead to unintended costs, headaches, and conflicts for your loved ones. On this Best of MoneyTalk episode, we revisit a conversation with estate planning attorney and long time friend of the show, Paul Brule, to discuss some of the most common estate planning mistakes and how to avoid them. Hosts: Nathan Beauvais CFP®, CIMA® & Steven Beauvais; Special Guest: Paul Brule; Air Date: 5/23/2025; Original Air Date: 3/24/2023. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation!See omnystudio.com/listener for privacy information.

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Over the years the IRS has added more and more exceptions to the IRA early withdrawal penalty, and although we always encourage savings discipline, under certain circumstances having the ability to access your money can make a world of difference. Donna and Nathan discuss the various exceptions to the 10% IRA early withdrawal penalty, and how to know if you qualify. Also on MoneyTalk, the problem with spending too little in retirement, and Stock Trivia: Two Truths and a Lie. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®; Air Date: 5/22/2025. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation!See omnystudio.com/listener for privacy information.

Money Talk 5-18-25 by

Moneytalk 5-25-25 by

Kyle Tetting, Steve Giles and Tom Pappenfus discuss the week's news, developments and trends affecting long-term investors.

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.

Money is personal, emotional, and often... stressful. So why talk about it at church? In this first episode of Money Shouldn't Make You Miserable, Chris unpacks a story about a man who had it all — but still walked away sad.We explore the connection between money and trust, and why most of us avoid the one conversation that could actually lead to peace.Series resources⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠HERE⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Join our email list⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠HERE⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Partner financially⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ HERE

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.

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.

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:

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