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This week on the Journey to Launch Podcast, I'm diving into the money rules that have guided me and the ones I've intentionally broken along the way. Rules are meant to serve as frameworks, not prisons. Over the years, I've adapted, reshaped, and sometimes completely tossed out rules that no longer served me. I want you to walk away from this conversation inspired to define your own rules, question the ones you've been following, and give yourself permission to evolve as your journey unfolds. In this episode I share: ✨ Why I treat my financial goals like mandatory expenses and how that mindset changed everything for me ✨ The role of automation in reducing stress and keeping me consistent with saving and investing ✨ The importance of building a safety net and FU money, and how it's given me the freedom to take risks ✨ The rules I've broken, like budgeting every penny, never using credit cards, and saving every last dollar and how shifting away from them actually helped me grow Other related blog posts/links mentioned in this episode: Apply to Share Your Journeyer Story, here. Join the Journey to Launch Book Club to dive deeper into financial freedom with guided discussions and resources here! Get your copy of my book: Your Journey To Financial Freedom Join The Weekly Newsletter List to get updates, deals & more! Leave Your Journey To Financial Freedom a review! Get The Budget Bootcamp Check out my personal website here. Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! YNAB – Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link. What stage of the financial journey are you on? Are you working on financial stability or work flexibility? Find out with this free assessment and get a curated list of the 10 next best episodes for you to listen to depending on your stage. Check it out here! Connect with me: Instagram: @Journeytolaunch Twitter: @JourneyToLaunch Facebook: @Journey To Launch Join the Private Facebook Group Join the Waitlist for My FI Course Get The Free Jumpstart Guide
In this episode of the Sunlight Tax Podcast, I sit down with Joe Saul-Sehy, host of the Stacking Benjamins Show, for a deep dive into the world of personal finance and the emotional side of money management. Joe shares insights from his journey writing a personal finance book, and we explore topics like budgeting strategies, creating financial systems that work, and learning from our biggest money mistakes. We also discuss how mindset and emotions affect your money decisions, why community and accountability are essential for building wealth, and practical tips for artists and freelancers managing irregular income. Throughout the conversation, we highlight the importance of defining your financial goals, your core money values, and how having the right support network can help you actually achieve them. Also mentioned in this episode: 06:23 Tools for Financial Management 07:22 Learning from Financial Mistakes 13:07 Navigating Financial Challenges 24:46 The Power of Timelines in Financial Planning 26:30 Defining 'Best' in Financial Goals 33:46 The Emotional Side of Money 44:41 Creating a Sustainable Income Strategy If you enjoyed this episode, please rate, review and share it! Every review makes a difference by telling Apple or Spotify to show the Sunlight Tax podcast to new audiences. Links: The Stacking Benjamins Show The Book: Stacked Join my free class: Make Taxes Easier and Stash an Extra $152k in Your Savings Check out my program, Money Bootcamp Link to pre-order my book, Taxes for Humans: Simplify Your Taxes and Change the World When You're Self-Employed. Link to pre-order my workbook, Taxes for Humans: The Workbook Get your free visual guide to tax deductions
In this week's episode of Business by The Books, Danielle Hayden, reformed corporate CFO and founder of Kickstart Accounting, Inc., breaks down the real journey from entrepreneur to small business owner to finally stepping into the role of CEO. This isn't about chasing flashy titles or hitting arbitrary revenue goals. It's about clarity, confidence, and understanding your numbers so you can actually lead your business instead of letting it run you. Key Takeaways: Entrepreneur Stage – Building with Instinct: Many entrepreneurs start with passion and creativity but rely only on income goals and bank balances instead of true financial clarity. Danielle explains how this stage can fuel growth, but also stall it. Small Business Owner Stage – Running the Machine: This is where consistent revenue, vendors, and maybe a team come in. But too many owners still try to do it all themselves, which leads to mistakes and burnout. CEO Stage – Leading with Vision and Data: The mindset shifts that happens when you step into your CEO role, where you go from reacting and needing to have your hands in every area of the business to delegating and making intentional, future-focused decisions. Real-Life Client Success – Delaney Fischer's Story: Hear how one client shifted from messy spreadsheets and receipts to clarity and balance once she started seeing her numbers monthly. Topics Discussed: (00:00) Intro: Redefining the CEO Role – Why It's About Clarity, Not Business Size (01:11) The Entrepreneur Stage: Passion-Driven But Missing Profitability (03:37) The Small Business Owner Stage: Transitioning to Systems, Responsibility, and Financial Clarity (06:27) The CEO Stage: Leading with Data, Mindset Shifts, and Future-Focused Planning (08:52) Stepping Into Your CEO Role: How to Stop Doing More and Start Gaining Clarity (09:53) Outro: Kickstart's CFO Services, Like, Share and Subscribe! Resources: CFO Services | https://kickstartaccountinginc.com/the-cfo-solution/ Client Success Story | From Burnout to Balance: Redefining Entrepreneurial Success Through Break-Even Analysis with Delanie Fischer of Self-Helpless Podcast Book a Call with Kickstart Accounting, Inc.: https://kickstartaccountinginc.com/book-a-call/ Connect with Kickstart Accounting, Inc.: Instagram | https://www.instagram.com/Kickstartaccounting YouTube | https://www.youtube.com/@businessbythebooks Facebook | https://www.facebook.com/kickstartaccountinginc
Send us a textWhat happens when your partnership with risk no longer works? How do you dissolve the partnership? This process is termed portfolio de-risking.If you'd like to be a part of a free online retirement community, join us on Facebook: https://www.facebook.com/groups/399117455706255/?ref=share
In this week's episode of Business by The Books, Danielle Hayden, reformed corporate CFO and founder of Kickstart Accounting, Inc., breaks down the real journey from entrepreneur to small business owner to finally stepping into the role of CEO. This isn't about chasing flashy titles or hitting arbitrary revenue goals. It's about clarity, confidence, and understanding your numbers so you can actually lead your business instead of letting it run you. Key Takeaways: Entrepreneur Stage – Building with Instinct: Many entrepreneurs start with passion and creativity but rely only on income goals and bank balances instead of true financial clarity. Danielle explains how this stage can fuel growth, but also stall it. Small Business Owner Stage – Running the Machine: This is where consistent revenue, vendors, and maybe a team come in. But too many owners still try to do it all themselves, which leads to mistakes and burnout. CEO Stage – Leading with Vision and Data: The mindset shifts that happens when you step into your CEO role, where you go from reacting and needing to have your hands in every area of the business to delegating and making intentional, future-focused decisions. Real-Life Client Success – Delaney Fischer's Story: Hear how one client shifted from messy spreadsheets and receipts to clarity and balance once she started seeing her numbers monthly. Topics Discussed: (00:00) Intro: Redefining the CEO Role – Why It's About Clarity, Not Business Size (01:11) The Entrepreneur Stage: Passion-Driven But Missing Profitability (03:37) The Small Business Owner Stage: Transitioning to Systems, Responsibility, and Financial Clarity (06:27) The CEO Stage: Leading with Data, Mindset Shifts, and Future-Focused Planning (08:52) Stepping Into Your CEO Role: How to Stop Doing More and Start Gaining Clarity (09:53) Outro: Kickstart's CFO Services, Like, Share and Subscribe! Resources: CFO Services | https://kickstartaccountinginc.com/the-cfo-solution/ Client Success Story | From Burnout to Balance: Redefining Entrepreneurial Success Through Break-Even Analysis with Delanie Fischer of Self-Helpless Podcast Book a Call with Kickstart Accounting, Inc.: https://kickstartaccountinginc.com/book-a-call/ Connect with Kickstart Accounting, Inc.: Instagram | https://www.instagram.com/Kickstartaccounting YouTube | https://www.youtube.com/@businessbythebooks Facebook | https://www.facebook.com/kickstartaccountinginc
What is the hidden danger of Christian nationalism, and how does it challenge the integrity of faith, the church, and the teachings of Jesus? In this thought-provoking episode of the Voxology Podcast, Mike Erre and Tim Stafford explore the troubling intersections of faith and politics, examining how concepts like cruciformity and the role of the church in society are being distorted by cultural narratives. Through engaging dialogue, they reflect on the dangers of syncretism, the idolization of political power, and the tension between justice and tribalism in today's cultural landscape. From the misuse of Jesus' teachings to the blending of nationalism with Christianity, this episode unpacks the critical need for a gospel-centered approach that honors the teachings of Jesus. The hosts delve into the complexities of navigating cultural challenges with humility and grace, offering tangible insights on how the church can reclaim its mission of embodying the upside-down kingdom of God. Join the conversation as they challenge common assumptions, highlight the importance of bearing the fruit of the Spirit, and encourage a faithful witness to Jesus in a polarized world. We invite you to share your thoughts—engage with us on Facebook and Instagram or reach out with your questions. Let's pursue a deeper understanding of faith and justice together. CHAPTERS: 00:00 - Intro 01:24 - Money Management 05:50 - Listener Feedback and Q&A 06:58 - Memorial and the Church as Empire 12:45 - Church and Empire Relationship 18:13 - Understanding Remnant Theology 22:55 - Exploring Syncretism 27:50 - Example 1: The Memorial Service 36:25 - Christian Nationalism at the RNC 41:34 - Benny Johnson's RNC Speech 47:47 - Defining Syncretism 51:03 - Culture War vs. Gospel Thinking 52:45 - The Medium is the Message 56:45 - Is This Revival? 1:00:00 - Jesus and Tribalism 1:05:51 - The Two Christianities 1:07:10 - Support the Podcast 1:08:49 - See You Next Time As always, we encourage and would love discussion as we pursue. Feel free to email in questions to hello@voxpodcast.com, and to engage the conversation on Facebook and Instagram. We're on YouTube (if you're into that kinda thing): VOXOLOGY TV. Our Merch Store! ETSY Learn more about the Voxology Podcast Subscribe on iTunes or Spotify Support the Voxology Podcast on Patreon The Voxology Spotify channel can be found here: Voxology Radio Follow us on Instagram: @voxologypodcast and "like" us on Facebook Follow Mike on Twitter: www.twitter.com/mikeerre Music in this episode by Timothy John Stafford Instagram & Twitter: @GoneTimothy
Financial Planner Luke Smith joined 2CC Talking Canberra in Money Matters, which aired live on Friday 26 September 2025. The topic for this week is: Is salary sacrifice the only way to get money into your super before you retire? No, it’s not, in fact salary sacrifice may seem ‘old school’, even though you can […]
Send us a textJoin us on Average Joe Finances as our guest Alex Filipuk shares about his journey from Belarus to becoming the founder of Ideal Siding, the largest siding franchise in the United States and Canada. Alex shares his experiences of moving across countries, starting his business from scratch in Vancouver, and scaling it to a successful franchise. They discuss the differences between typical franchises and high-ticket franchises, the importance of management and leadership for business owners, and the major challenges new franchisees face. Alex also provides valuable advice for aspiring franchise owners, including key questions to ask before starting a franchise and the importance of being prepared for change in a rapidly evolving market.In this episode:Learn how resilience and adaptability can turn global challenges into entrepreneurial opportunities.Discover why strategic market research is essential when choosing where to start and grow a business.Understand the keys to scaling through franchising, from operational systems to customer satisfaction.Grasp the importance of strong support networks and capable teams in driving franchise success.And so much more!Key Moments:00:00 Introduction and Welcome00:54 Guest Introduction: Alex's Journey01:23 Building a Business from Scratch04:43 Franchising and Expansion20:26 Challenges and Phases of Growth29:10 Final Round: Insights and Advice37:05 Closing Thoughts and FarewellFind Alex FilipukWebsite: https://idealsiding.com/LinkedIn: https://www.linkedin.com/in/idealsiding/Facebook: https://www.facebook.com/ideal.siding.franchisingInstagram: https://www.instagram.com/ideal_siding/Average Joe Finances®All of our social media links and more: https://averagejoefinances.com/linksAbout Mike: https://mikecavaggioni.comShow Notes add-on continued here: https://averagejoefinances.com/show-notes/*DISCLAIMER* https://averagejoefinances.com/disclaimerSee our full episode transcripts here: https://podcast.averagejoefinances.com/episodesSupport the show
Investor Fuel Real Estate Investing Mastermind - Audio Version
In this episode of the Investor Fuel Podcast, host Leo Wehdeking speaks with Austin Cheviron, a financial expert who emphasizes the importance of financial stewardship and the steps to achieve financial success. Austin outlines a three-step process: making money, saving money, and investing money, while also discussing the significance of having a vision for one's financial future. The conversation delves into personal finance, consumer culture, and the need for awareness in spending habits. Austin shares insights from his own journey, including the challenges of managing personal finances and the impact of upbringing on financial behaviors. He concludes by introducing his upcoming book, 'The Money Puzzle', which aims to provide a blueprint for financial success. Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind: Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply Investor Machine Marketing Partnership: Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true ‘white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com Coaching with Mike Hambright: Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a “mini-mastermind” with Mike and his private clients on an upcoming “Retreat”, either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas “Big H Ranch”? Learn more here: http://www.investorfuel.com/retreat Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform! Register here: https://myinvestorinsurance.com/ New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club —--------------------
Episode Description:The journey from money chaos to money confidence isn't a straight line - it happens in stages. And understanding exactly where you are can help you focus on what you actually need next.Fresh off our 3-Day Money Reset Challenge, I'm sharing the 5 stages every woman moves through on her path to financial confidence:You'll discover:Stage 1: Money Avoidance (and why looking is always better than not looking)Stage 2: Money Awareness (when you have information but don't know what to do with it)Stage 3: Money Management (systems that work most of the time but you still second-guess decisions)Stage 4: Money Confidence (frameworks that work automatically without guilt or stress)Stage 5: Money Mastery (using money strategically to build wealth and create impact)Plus, why these stages aren't linear, why you can't skip the foundation-building that happens early on, and how to identify exactly where you are right now.Most women get stuck between Stages 2 and 3. They manage their money okay but never feel truly secure about their financial choices.What if 2025 was the year you moved to Stage 4?Ready to move beyond money management to true money confidence? Applications are open NOW for the Moneywise Mastermind.www.katyalmstrom.com/moneywise Join the 3-Day Money Reset Challenge here: https://www.katyalmstrom.com/challenge Connect with Katy: IG: www.instagram.com/katy_almstromFB Group: www.facebook.com/groups/debtpayoffforwomen
Today on Your Cup of Joy, I'm welcoming back my dear friend, Marissa Teeter, executive coach, business advisor, and former senior wealth executive, for her second time on the show. Our last conversation was so rich that I knew we had to do it again, and this time we're diving deep into a topic that so many of us avoid: money.I'll be the first to admit that finances have always felt a little uncomfortable for me, and maybe you feel the same way. But in this episode, Marissa makes the topic approachable, empowering, and inspiring. We talk about why money is still such a taboo subject, how women can start building healthier relationships with it, and why open conversations are the key to creating more freedom and opportunity in our lives. Marissa shares practical advice on budgeting, saving, and negotiating, and she reminds us that financial well-being isn't just about investing, it's about aligning money with your values, relationships, and goals. We also dive into how we can model better money habits for our kids, the importance of generosity, and the power of women supporting women by sharing their financial experiences openly. Money touches every part of our lives and the more we talk about it, the more confident we all become. Please leave a review and pass this episode along to someone in your circle so we can keep building a community of women who lead with openness and confidence.Connect with Marissa:Website: https://www.marissateeter.comInstagram: https://www.instagram.com/marissa.m.teeterPodcast: https://www.instagram.com/teetertalksCheck out Marissa's previous episode on the podcast: https://www.buzzsprout.com/2363173/episodes/16032671Ariana's Links:Website Instagram: @ArianaJoyChristie @YourCupofJoyPodcastTikTok: @ArianaChristie
Financial Planner Luke Smith joined 2CC Talking Canberra in Money Matters, which aired live on Friday 19 September 2025. The topic for this week is: What is a testamentary trust and why might you need or want it in your Will? Luke is joined by Leon of 2CC explore how a testamentary trust can provide […]
Send us a textEstimated taxes and tax payments are some of the most misunderstood tax requirements taxpayers face. Payment of estimated taxes is more problematic for retirees who never paid estimated taxes during their working careers!If you'd like to be a part of a free online retirement community, join us on Facebook: https://www.facebook.com/groups/399117455706255/?ref=share
Guest: Jordan Salim, Founder and CEO of 3:23 Financial Services The views expressed in this podcast are for informational purposes only and should not be considered financial, investment, or legal advice. 3:23 Financial Services LLC is a registered investment adviser in the state of Texas. 3:23 Financial Services LLC is not affiliated with this podcast, and any financial advice is only provided through a formal advisory relationship with the firm. Continued our great conversation with Jordan Salim, this time we talked about various financial missteps and pitfalls to avoid. This is helpful advice for every young man as you look to not only live well within the financial resources that the Lord has blessed you with and that you've worked hard for, but also as you look to be a mindful and cheerful giver meeting the needs of others and advancing the Kingdom of Heaven! Some resources that were referenced and recommended during this podcast include the following: Your Life…Well Spent: The Eternal Rewards of Investing Yourself and Your Money in Your Family by Russ Crosson Every Good Endeavor: Connecting Your Work to God's Work by Tim Keller T4M guys - just a reminder that Training4Manhood is a non-profit, 501(c)(3) ministry and you can make donations either via Zelle (info@training4manhood.com) or by visiting the Training4Manhood website.
The face of lending has changed forever. In this episode, we unpack the new era of digital lending and its impact on the modern consumer. Our special guest, Sachin S from CRIF, explains how credit bureaus work, the rise of quick loans and EMIs, and the importance of monitoring your credit score. Learn how to build a healthy score from scratch, understand what lenders look for, and discover essential strategies to protect yourself from online fraud. Get your questions answered on personal loans, credit cards, and how to master your personal finance journey.✔ Digital Lending: The shift to a quick, tech-driven lending ecosystem, especially for Gen Z. ✔ Building Credit: How to responsibly start your credit score journey with small loans and credit cards. ✔ Role of Bureaus: Credit bureaus like CRIF get data from lenders to build your report. ✔ Fraud Vigilance: Protect your data and check your free RBI-mandated credit report for fraud. ✔ Your Credit Report: Understand what's on your report and how to dispute errors.From decoding your personal finances to demystifying business models, Paisa Vaisa delivers candid, insightful, and jargon-free conversations.Listen on Spotify, Apple Podcasts, Amazon Music, JioSaavn, Gaana & more Watch full episodes right here on YouTube Explore more at ivmpodcasts.comConnect with Anupam Gupta: Twitter: @b50 Instagram: @b_50 LinkedIn: Anupam Gupta Follow IVM Podcasts We’re @ivmpodcasts on Facebook, Twitter & InstagramSee omnystudio.com/listener for privacy information.
We kick off part one of our two-part series by exploring how gamification can make saving money feel less like a chore and more like a motivating challenge. Even high-income earners often feel stuck when it comes to saving, not because they lack discipline, but because they've already checked the big boxes—maxed out retirement accounts, built up emergency funds—and then don't know what to do next. Without a plan, spending creeps in to fill the gap. So we look at how to turn savings into a game—something with rules, progress, and rewards—to reignite momentum.We clarify that knowing you should save doesn't automatically lead to action. That's where gamification steps in. Tools like Qapital show that users who engage with automation and gaming strategies save more and stay more engaged. We also reference employer-based incentives like those offered through Secure 2.0, where bonuses are tied to increased retirement contributions.One easy place to start is by automating just one transfer—no matter how small—to reduce decision fatigue. Then, to make it stick, we frame savings as something familiar and motivating. For example, we explore the idea of treating savings like a “debt to your future self,” flipping a psychologically powerful habit like debt aversion into a positive financial behavior.Amy shares a client case study of a high-earning couple who couldn't get traction with savings—until they started treating their savings goal like a debt that needed to be paid off. That mindset shift helped them redirect thousands per month into future-focused goals.Then we move into more playful territory, introducing practical games to get people started. These include “Level Up” savings, where every $500 or $1,000 milestone brings a sense of progress; “No Spend” challenges, focused on key problem areas like Amazon or takeout; and visual trackers like progress bars stuck on the fridge. Even simple things like rounding up purchases and transferring the change can reinforce good habits.The big takeaway is to pick one area where spending tends to leak—Amazon, dining out, etc.—and pair it with one of these gamified saving techniques. You can even stack methods for greater impact. The key is to make saving easier, more visual, and more rewarding—so it becomes a behavior you actually want to continue.In part two, we'll dive deeper into building out a full gamified system with recovery plans, rewards, and design tips. For now, we encourage listeners to find just one game that resonates and start today. To get in touch with Amy and her team at Thimbleberry Financial, call 503-610-6510 or visit thimbleberryfinancial.com.
Send us a textJoin us on Average Joe Finances as our guest Dr. Axel Meierhoefer shares his remarkable journey from serving in the German Air Force to becoming a successful real estate investor and mentor. He discusses his transition to the United States through an exchange program with the US Air Force, his stint in the corporate world, and his eventual dive into real estate investing. Key insights include his approach to buying out-of-state investment properties, the importance of due diligence, and the value of mentorship in real estate.In this episode:Learn how shifting from pilot to investor highlights the power of embracing new opportunities.Discover why treating real estate as a business is key to long-term financial success.Understand how cash flow–focused strategies help weather financial crises and market downturns.Grasp the value of mentorship, mindset, and turnkey solutions in building a resilient portfolio.And so much more!Key Moments:00:00 Introduction and Welcome00:56 Meet Dr. Axel Meierhoefer01:38 Dr. Hofer's Journey from Germany to the US05:11 Discovering Real Estate Investing18:29 Navigating the 2008 Financial Crisis24:26 The Importance of Due Diligence in Real Estate Investing24:46 Challenges and Realizations in Early Investments26:12 Investing Out of State: A Strategic Approach28:06 Discovering Turnkey Real Estate Investing30:44 The Ideal Investor Show and Its Impact32:46 Final Round: Insights and Reflections43:57 Final Thoughts and Closing RemarksFind Axel MeierhoeferWebsite: https://tinyurl.com/iwg-strategyLinkedIn: https://www.linkedin.com/in/ameierhoefer/Average Joe Finances®All of our social media links and more: https://averagejoefinances.com/linksAbout Mike: https://mikecavaggioni.comShow Notes add-on continued here: https://averagejoefinances.com/show-notes/*DISCLAIMER* https://averagejoefinances.com/disclaimerSee our full episode transcripts here: https://podcast.averagejoefinances.com/episodesSupport the show
For True Believers: Jesus has a challenge for us and a promise for us! Let us understand, and then step out in faith!
This episode features Saskatchewan teachers Cindy Lowe and Jill Labas, who share how they successfully advocated to make financial literacy a graduation requirement. It's Canada's first province to do so! From late‑night petitions and rallying community stakeholders to building province‑wide teacher training, their story shows how persistence, passion, and student voices can drive systemic change. You'll hear firsthand how they transformed classrooms into hubs of excitement, where students say it's the one class they know will matter every day of their lives. You'll also learn about the differences and overlaps between U.S. and Canadian personal finance education, as well as practical tips for making lessons engaging and relevant.
In this powerful episode of Productivity Smarts, host Gerald J. Leonard sits down with Hall of Fame speaker, podcast host, and author Bill Cates to uncover how your mindset can either rob you of success or unlock lasting wealth. Bill takes us behind the scenes of his new book, The Hidden Heist, a parable filled with suspense, humor, and unforgettable lessons about money. Together, Gerald and Bill explore why beliefs are the foundation of every decision you make, how to maintain composure and clarity when life gets stressful, and why mastering your inner dialogue is the secret to real productivity. You'll also learn how compounding interest can change your future, why many people sabotage their own financial potential, and how finding the right financial advisor can protect and grow your wealth. If you've ever felt like you're doing everything right but still falling short, this episode will challenge you to rethink your approach, rewrite your limiting stories, and start building a life of abundance and purpose. What We Discuss [00:00] Introduction to Bill Cates [05:00] Hidden Heist: concept, plot, structure and lessons [12:49] Character spotlight: Elden, handling pressure and decision-making [14:55] Identifying and replacing unproductive money beliefs in daily life and work [22:02] Beliefs as the foundation for problem-solving [23:39] Aligning yourself with a trusted financial professional [25:54] Bill's financial habits and mindset shifts that boosted his productivity [28:09] Where to find The Hidden Heist and connect with Bill Cates Notable Quotes [05:27] “When someone says they sold a business, maybe they made money, maybe they didn't. I experienced both.” – Bill Cates [13:22] “Composure comes from clarity. Composure comes from clarity of purpose. It comes from mastering your inner dialogue, what you're saying to yourself.” – Bill Cates [14:03] “Wisdom is knowledge that is kilned in the fire of experience.” – Bill Cates [15:15] “Every human has stuff around money. I have met wealthy individuals that have fear around money when you don't think they should.” – Bill Cates [17:17] “Most Americans couldn't handle an 800 car repair bill without selling something or borrowing money. What's wrong with that picture?” – Bill Cates [20:06] “Some are, most aren't. So whenever we think about generalizations like rich people are greedy... there's usually these stereotypes and these generalizations.” – Bill Cates [22:40] “If we believe it's not fixable, then it's not fixable. If we're in a marriage and we believe the marriage isn't fixable, then it's not fixable.” – Bill Cates [26:11] “Those who understand it earn it, those who don't pay it.” – Bill Cates[26:51] “Some of my self worth was tied up in money. And so, you know, I bought a Lexus when I could have bought a Toyota.” – Bill Cates Resources Bill Cates Website - https://referralcoach.com/the-hidden-heist/ LinkedIn: Bill Cates Book: The Hidden Heist Productivity Smarts Podcast Website - productivitysmartspodcast.com Gerald J. Leonard Website - geraldjleonard.com Turnberry Premiere website - turnberrypremiere.com Scheduler - vcita.com/v/geraldjleonard Kiva is a loan, not a donation, allowing you to cycle your money and create a personal impact worldwide. https://www.kiva.org/lender/topmindshelpingtopminds
Ever heard the phrase “know your numbers” and thought, okay…but what does that actually mean? In this episode, Danielle sits down with client and entrepreneur Serena Waller, founder of The Dande Agency, to talk about how truly understanding her numbers transformed the way she runs her business. Serena gets real about the ups, downs, and unexpected turns of entrepreneurship—like losing a corporate job at seven months pregnant, launching her own agency, and growing it over the past ten years into a thriving business that now supports a full team. Key Takeaways: Clarity Creates Confidence: Serena shares how shifting from confusion to clarity with her finances gave her the ability to make calm, strategic decisions in her business. The Right Support Team Matters: Finding a bookkeeping and accounting team who actually listened and provided her with timely numbers while communicating what they mean changed the game for her and her business. Numbers and Intuition Go Hand in Hand: Serena explains how she balances gut instincts with financial data to steer her business forward. Growth Requires a Mindset Shift: Hiring a team and stepping into the visionary role required Serena to let go of old ways of working and embrace new levels of leadership. Financial Knowledge Equals Freedom: Knowing her numbers didn't just improve her bottom line, it gave Serena peace of mind and the confidence to make decisions and take calculated risks. Topics Discussed: (00:00) Intro: How Knowing Your Numbers Creates Calm and Clarity (00:34) Serena's Journey Into Entrepreneurship & Her Work Now (04:35) Struggles with Early Financial Management & Finding the Right Money Team (08:22) How Kickstart Helped Serena Understand and Know Her Numbers (10:49) Balancing Gut Feelings with Data (13:23) Building Confidence as a CEO (14:23) Rate and Review Break (14:36) Hiring Decisions & Leadership Growth and Mindset (18:01) Using Your Numbers to Read Trends & Forecast for the Future (22:17) Deciding Whether or Not to DIY Bookkeeping (25:13) What's Next for Serena and The Dande Agency (28:26) Serena's Major Piece of Business Advice for Entrepreneurs (30:10) Outro: Like, share, and subscribe! Connect with Serena: The Dande Agency Website | https://www.dandeagency.com/ Follow The Dande Agency on Instagram | @dandeagency Book a Call with Kickstart Accounting, Inc.: https://kickstartaccountinginc.com/book-a-call/ Connect with Kickstart Accounting, Inc.: Instagram | https://www.instagram.com/Kickstartaccounting YouTube | https://www.youtube.com/@businessbythebooks Facebook | https://www.facebook.com/kickstartaccountinginc
Send us a textIn a recent Podcast I discussed the relative merits of a Roth IRA. Many factors determine whether or not Roth IRA contributions make sense. The account holder's age, tax bracket, net worth, risk tolerance, and available cash are important in establishing a Roth IRA.One of the most important factors to consider is age. As someone ages, it becomes less advantageous to contribute to a Roth IRA. There is a crossover point where the disadvantage of initially paying taxes outweighs the advantage of tax-free growth. If you'd like to be a part of a free online retirement community, join us on Facebook: https://www.facebook.com/groups/399117455706255/?ref=share
Ever heard the phrase “know your numbers” and thought, okay…but what does that actually mean? In this episode, Danielle sits down with client and entrepreneur Serena Waller, founder of The Dande Agency, to talk about how truly understanding her numbers transformed the way she runs her business. Serena gets real about the ups, downs, and unexpected turns of entrepreneurship—like losing a corporate job at seven months pregnant, launching her own agency, and growing it over the past ten years into a thriving business that now supports a full team. Key Takeaways: Clarity Creates Confidence: Serena shares how shifting from confusion to clarity with her finances gave her the ability to make calm, strategic decisions in her business. The Right Support Team Matters: Finding a bookkeeping and accounting team who actually listened and provided her with timely numbers while communicating what they mean changed the game for her and her business. Numbers and Intuition Go Hand in Hand: Serena explains how she balances gut instincts with financial data to steer her business forward. Growth Requires a Mindset Shift: Hiring a team and stepping into the visionary role required Serena to let go of old ways of working and embrace new levels of leadership. Financial Knowledge Equals Freedom: Knowing her numbers didn't just improve her bottom line, it gave Serena peace of mind and the confidence to make decisions and take calculated risks. Topics Discussed: (00:00) Intro: How Knowing Your Numbers Creates Calm and Clarity (00:34) Serena's Journey Into Entrepreneurship & Her Work Now (04:35) Struggles with Early Financial Management & Finding the Right Money Team (08:22) How Kickstart Helped Serena Understand and Know Her Numbers (10:49) Balancing Gut Feelings with Data (13:23) Building Confidence as a CEO (14:23) Rate and Review Break (14:36) Hiring Decisions & Leadership Growth and Mindset (18:01) Using Your Numbers to Read Trends & Forecast for the Future (22:17) Deciding Whether or Not to DIY Bookkeeping (25:13) What's Next for Serena and The Dande Agency (28:26) Serena's Major Piece of Business Advice for Entrepreneurs (30:10) Outro: Like, share, and subscribe! Connect with Serena: The Dande Agency Website | https://www.dandeagency.com/ Follow The Dande Agency on Instagram | @dandeagency Book a Call with Kickstart Accounting, Inc.: https://kickstartaccountinginc.com/book-a-call/ Connect with Kickstart Accounting, Inc.: Instagram | https://www.instagram.com/Kickstartaccounting YouTube | https://www.youtube.com/@businessbythebooks Facebook | https://www.facebook.com/kickstartaccountinginc
Guest: Jordan Salim, Founder and CEO of 3:23 Financial Services The views expressed in this podcast are for informational purposes only and should not be considered financial, investment, or legal advice. 3:23 Financial Services LLC is a registered investment adviser in the state of Texas. 3:23 Financial Services LLC is not affiliated with this podcast, and any financial advice is only provided through a formal advisory relationship with the firm. Had a great conversation with Jordan about what financial “stewardship” is and what it means today. This is helpful advice for every young man as you look to not only live well within the financial resources that the Lord has blessed you with and that you've worked hard for, but also as you look to be a mindful and cheerful giver meeting the needs of others and advancing the Kingdom of Heaven! Some resources that were referenced and recommended during this podcast include the following: Your Life…Well Spent: The Eternal Rewards of Investing Yourself and Your Money in Your Family by Russ Crosson Every Good Endeavor: Connecting Your Work to God's Work by Tim Keller T4M guys - just a reminder that Training4Manhood is a non-profit, 501(c)(3) ministry and you can make donations either via Zelle (info@training4manhood.com) or by visiting the Training4Manhood website.
In this episode of Beer and Money, Ryan Burklo discusses the contrast between small thinking and big thinking in financial planning. He emphasizes the importance of focusing on larger financial goals rather than getting caught up in minor savings habits, such as cutting out small luxuries like Starbucks. By analyzing the impact of lifestyle choices on savings and the power of incremental changes, Ryan illustrates how a small adjustment in spending can lead to significant wealth accumulation over time. He encourages listeners to adopt a big picture mindset to enhance their financial well-being. Check out our website: beerandmoney.net For a quick assessment of your current financial life go to: https://www.livingbalancesheet.com/lbsVision/lite/RyanBurklo Takeaways Small thinking focuses on minor savings, like cutting out Starbucks. Big thinking involves understanding the larger financial picture. Saving $50 a week may not significantly impact long-term wealth. A household income of $300,000 can lead to substantial savings if managed well. Incremental changes in lifestyle can have a dramatic effect on savings. A 1% difference in lifestyle spending can lead to millions in savings over time. It's essential to capture savings automatically to build wealth. The wealth building account can help manage finances effectively. Small adjustments can lead to significant financial outcomes. Thinking differently about money can change your financial future. Chapters 00:00 Small Thinking vs. Big Thinking 03:01 The Impact of Lifestyle Choices on Savings 06:03 The Power of Incremental Changes in Financial Planning
Send us a textJoin us on Average Joe Finances as our guest Kevin Steuer, a seasoned investor with a passion for technical analysis and modern AI. Kevin shares his journey from early investing influenced by his grandmother, through various investment strategies, to ultimately purchasing and revamping a technical analysis website, stockta.com. The discussion delves into Kevin's disciplined approach to trading, the importance of lifelong learning, and the pitfalls of emotional decision-making in the stock market. Kevin offers insights into the tools and resources available on his site, emphasizing the need for a solid framework and informed risk-taking in trading. In this episode:Learn how data-driven tools like Stock TA empower everyday traders to compete with Wall Street.Discover why discipline and sticking to your process are key to long-term trading success.Understand the impact of AI and algorithms on modern equity markets and investor strategies.Grasp the value of community, education, and free resources in building confident, informed traders.And so much more!Key Moments:00:12 Kevin Steuer's Investing Journey01:24 Building and Rebuilding the Site04:20 Using the Site for Trading04:32 The Reality of Trading Against Algorithms07:59 Trend Scores and Confluence System14:00 Advice for New Traders20:26 The Turning Point: A Commitment to Financial Awareness20:39 Trading to Pay Off Student Loans21:00 The Risks of Trusting Financial Planners21:57 Market Reactions and Human Psychology22:57 The Importance of Staying Informed23:12 Navigating Political Impacts on the Market26:59 The Final Round: Insights and Lessons Learned27:15 Biggest Financial Mistake and Lessons Learned31:10 Tips for New Traders33:50 Favorite Books and Final Thoughts35:16 Where to Find More Information38:25 Final Thoughts and FarewellFind Kevin SteuerWebsite: https://stockta.com/Youtube: https://www.youtube.com/@StockTALinkedIn: https://www.linkedin.com/in/kevin-steuer-b65aa433b/Instagram: https://www.instagram.com/stocktacom/#Facebook: https://www.facebook.com/StockTAcom/Discord: https://discord.com/invite/suMH9PJHWMAverage Joe Finances®All of our social media links and more: https://averagejoefinances.com/linksAbout Mike: https://mikecavaggioni.comShow Notes add-on continued here: https://averagejoefinances.com/show-notes/*DISCLAIMER* https://averagejoefinances.com/disclaimerSee our full episode transcripts here: https://podcast.averagejoefinances.com/episodesSupport the show
On this episode: Has retirement planning become like “the new math”? Inheritance: When you look at your kid and say, “there’s no free lunch.” When all the retirement numbers look good, what are you missing? Be aware of what they might slip into your 401(k) Target Date Fund. Subscribe or follow so you never miss an episode! Learn more at GoldenReserve.com or follow on social: Facebook, LinkedIn and YouTube.See omnystudio.com/listener for privacy information.
Money talk doesn't have to be awkward. In fact, it can change everything. In this episode, we're breaking the taboo around money conversations and sharing how opening up with friends has helped us grow in our careers, businesses, and personal lives.We dive into:✨ Why transparency with friends can close the knowledge gap on salaries, raises, and rates✨ How money chats can inspire confidence, accountability, and bigger financial goals✨ The importance of trusted circles when sharing (and when not to overshare)✨ Real-life stories of wins, lessons, and what we've learned from family, mentors, and each otherIf you've ever wondered how to start money conversations without the cringe (or you just need a reminder that you're not alone in figuring it all out) this one's for you. In between a big decision? Need advice? Drop a voice message and we'll answer it live on the podcast. Or submit a written question here if voice notes aren't your thing. //@inbetween.pod//@astridjohanaphoto//@alexisteichmiller
TAKEAWAYSBitcoin and crypto are the next financial system, moving the world toward a cashless societyIf you know how to use the financial system wisely, you can build wealthWhen you give your money purpose, it ignites creativity and passion about using it for God's gloryThe Bible reminds us to be wise as serpents but harmless as doves (Matt. 10:16)
9/10/25 6am CT Hour - Ashley Noronha/ Jonathan Teixeira John, Glen and Sarah chat about Poland shooting down Russian drones, Yrina Zaruska murder and TV dinners. Ashley reports on Pope Leo's Weekly General Audience on Christ crying out from the cross, Portuguese Catholics from India celebrating the feast of the Nativity of Our Lady and feast of the Triumph of the Cross in Lucca. Did You Know St. Pier Giorgio Frassatti had a secret club? Jonathan talks about the importance of being on the same page of your budget with your spouse to win with your money. https://walletwin.com/
Recurring subscriptions – such as streaming services, apps, and memberships - can quietly drain a budget. Many people don't realize how much they're spending until it's too late. If you are one of the many people trying to manage several streaming services and other subscription services, it is crucial to pay special attention to subscription payments to properly manage and understand their total cost over time. Links: Explore Triangle's Money Management tool in online and mobile banking Check out TCU University for financial education tips and resources! Follow us on Facebook, Instagram and Twitter! Learn more about Triangle Credit Union Transcript: Welcome to Money Tip Tuesday from the Making Money Personal podcast. Let's start this tip off with a short story. Ryan, a tech-savvy professional, was taken aback when he reviewed his bank statement and found over a dozen subscription charges he had overlooked. Each month, small fees from various fitness apps, streaming services, and even a couple of online magazines accumulated, ultimately totaling hundreds of dollars. As he analyzed the list, he remembered signing up for some of these services during promotional periods, but many had slipped his mind entirely. The realization left him feeling a bit frustrated, as he struggled to keep his finances in check amidst an overwhelming number of recurring payments. Determined to regain control, he decided it was time to reassess his subscriptions and prioritize his spending. There are many people out there who can relate to Ryan's story. We eagerly sign up for subscriptions to services and platforms that we don't always remember we're on the hook to pay for month over month. The real challenge arises when we've accumulated so many subscription services over time that we've stopped paying attention to how many we're paying. This can be dangerous, not only because it can lead to wasteful spending, but subscription prices can rise over time to where we'll likely find ourselves paying way more than we initially planned. This tip is about empowering you to live more financially free by building awareness on how to properly manage the subscriptions you currently use. Here are three things you can do to take charge of your subscriptions so you can enjoy the benefits without letting them wreak havoc on your wallet. First of all, do the math. Add up the cost of every subscription service you're paying for. The only way to determine if your subscriptions are becoming too expensive is to know how much they're costing you in the first place. Don't assume you know each charge because prices may have changed since you first signed up. It's not uncommon for subscription services to increase prices periodically so what used to be $5.99 a month might now be $8.99. Second, stay organized. Keep track of all the subscriptions. Use a financial app or other tool that can give you a snapshot of all your subscriptions and their due dates. Using a tool like Triangle's Money Management makes it easy to categorize all your payments into groups. Creating a category for streaming services will make it easy to see every charge that goes towards subscriptions. Third, use it or lose it. Cancel any subscriptions you find you're no longer using. If you haven't gone to the gym in months, but are still paying for it, consider either blocking time off the schedule to head there or cancel it altogether. Signed up for monthly delivery boxes or paying for a streaming service you haven't used in a while, it might be time to cut those out of your budget. This step is all about truly reflecting on your needs and wants and determining whether there are any opportunities to free up some extra money by shedding unnecessary spending. Finally, for any new subscriptions you consider, take time to look up and understand the cancellation terms. Before signing up for a new subscription, take a moment to review the cancellation policy. Check for cancellation fees, renewal costs or other changes. You don't want to get caught paying extra money to cancel your subscription. If there are any other tips or topics you would like us to cover, let us know at tcupodcast@trianglecu.org. Like and follow our Making Money Personal FB and IG page and look for our sponsor, Triangle Credit Union on social media to share your thoughts. Thanks for listening to today's Money Tip Tuesday and check out our other tips and episodes on the Making Money Personal podcast. Have a great day!
Send us a textJoin me as I move to the other side of the microphone and am interviewed by my daughter Catherine.If you'd like to be a part of a free online retirement community, join us on Facebook: https://www.facebook.com/groups/399117455706255/?ref=share
Want to grow your business? Download your free roadmap today: coltivar.com/growth Free Financial Pro course: coltivar.com/byfiq Why do so many businesses fail even when they have a plan and solid financials? Steve breaks down the concept of strategic finance and why connecting your strategy to your numbers is the key to survival and growth. He shares lessons from building his own company and working with business leaders, showing how the right approach can improve cash flow, boost profits, and create more freedom for owners. Disclaimer:The views expressed here are those of the individual Coltivar Group, LLC (“Coltivar”) personnel quoted and are not the views of Coltivar or its affiliates. Certain information contained in here has been obtained from third-party sources. While taken from sources believed to be reliable, Coltivar has not independently verified such information and makes no representations about the enduring accuracy of the information or its appropriateness for a given situation.This content is provided for informational purposes only, and should not be relied upon as legal, business, investment, or tax advice. You should consult your own advisers as to those matters. References to any securities or digital assets are for illustrative purposes only, and do not constitute an investment recommendation or offer to provide investment advisory services. The Company is not registered or licensed by any governing body in any jurisdiction to give investing advice or provide investment recommendations. The Company is not affiliated with, nor does it receive compensation from, any specific security. Please see https://www.coltivar.com/privacy-policy-and-terms-of-use for additional important information. LinkedIn | YouTube coltivar.com
Every Monday, Jon Hansen is joined by a specialist from Mesirow Wealth Management to discuss a different topic surrounding finances. This week, Jon Hansen is joined by Jennifer Rosenblum to discuss teen money management as well as the importance of conversations about building a budget, setting goals, and understanding taxes. For more information, visit www.mesirow.com or […]
I was recently asked, “Hey Clay! What would be one bit of advice you'd give a younger version of yourself?” What a great question! In this episode, we dive into one of the simplest — yet most powerful — financial principles that hides in plain sight - or does it? While it sounds obvious, many people struggle with this principle, and the consequences can add unnecessary stress, debt, and financial insecurity. We've all learned about this as young children, yet somehow it tends to get lost in the shuffle. This isn't about living a boring or restrictive life — it's about creating freedom, flexibility, and peace of mind. Whether you're just starting out with money management or you've been at it for years but still feel stuck, this episode will kill the excuses and, hopefully, open your eyes to what needs to be done!
Nathan brings Crystal back on to discuss the importance of financial literacy and the role of a fractional CFO in helping businesses understand their financial health. The conversation emphasizes the need for business owners to be proactive in managing their finances and the value of coaching in achieving business success. Guest Name: Crystal Haight | @CrystalHaight Title: Fractional CFO Company: NW Book Pros Expertise: she helps business owners produce positive recurring revenue. Website: https://nwbookpros.com/ Workshops: https://www.skool.com/profitcurator Watch the episode on YouTube.
https://www.youtube.com/channel/UCeS5rfDxg3PvP6LFuo37AjA https://www.instagram.com/bharathischoolreddipatti/ https://twitter.com/BharathiEducat2 https://www.facebook.com/profile.php?id=100013314401647 STORY#bharathischool #reddipatti # keypointsforlife #moneymanagement #tamilspeech
Send us a textJoin us on Average Joe Finances as our guest Ben Reinberg, a seasoned commercial real estate investor with over 32 years of experience, shares the story of his career, discussing the various niches within commercial real estate, with a particular focus on medical office spaces. He talks about his new book, 'Hard Assets and Hard Money for Hard Times,' which serves as a guide to building a hard asset empire. Ben delves into the importance of hard assets in creating generational wealth, the benefits of AI in real estate, and the lessons learned from the 2008 financial crisis. In this episode:Learn why hard assets like real estate and precious metals remain the cornerstone of lasting wealth.Discover how adaptability in shifting markets like moving from office to medical spaces drives long-term success.Understand the role of AI in streamlining real estate operations while keeping human relationships central.Grasp the lessons from the 2008 financial crisis to avoid over-leverage and safeguard your investments.And so much more!Key Moments:00:59 Meet Ben Reinberg: Commercial Real Estate Expert02:14 The Journey to Writing 'Hard Assets and Hard Money for Hard Times'05:33 Why Commercial Real Estate?09:42 The Impact of AI on Commercial Real Estate15:01 The Importance of Relationships in Real Estate16:48 Why Hard Assets Matter19:34 The Challenges of Building an Empire20:15 Affordable Financial Blueprint20:46 Weathering Economic Storms21:52 Conservative Investment Strategies27:31 The Importance of a Good Team28:08 Final Round: Lessons and Tips31:37 Where to Find More Information32:59 Final Thoughts and FarewellFind Ben ReinbergWebsite: https://www.benreinberg.com/Youtube: https://www.youtube.com/channel/UCN-VuewtdVrFwlOrTsNbxGALinkedIn: https://www.linkedin.com/in/benreinberg/Instagram: https://www.instagram.com/therealbenreinberg/Facebook: https://www.facebook.com/TheRealBenReinberg/Tiktok: https://www.tiktok.com/@therealbenreinbergX: https://x.com/realbenreinbergAverage Joe Finances®All of our social media links and more: https://averagejoefinances.com/linksAbout Mike: https://mikecavaggioni.comShow Notes add-on continued here: https://averagejoefinances.com/show-notes/*DISCLAIMER* https://averagejoefinances.com/disclaimerSee our full episode transcripts here: https://podcast.averagejoefinances.com/episodesSupport the show
The 4 Phase Cycle Podcast with Zesty Ginger || Hormone Balance | Women's Health | Mindset
Money mentor Rose Han went from $100K in debt to self-made millionaire—and today she breaks down the inner and outer shifts that made it possible. We dig into money identity, practical systems (budgets that don't feel punishing), and habits that expand wealth consciousness without burnout. In this episode: Why your money identity quietly dictates your results—and how to rewrite it Rose's “rock bottom to millionaire” turning point (and the shame she had to release) Budgeting that aligns with values (so it actually sticks) Monthly Money Dates: how to track net worth and stay motivated High-yield savings, emergency funds, and paying off high-interest debt Staying calm in volatile markets & making decisions you can live with NLP + belief work to close the gap between where you are and where you're going Featured Guest: Rose Han Website: https://rosehan.com/ Rose's book: Add a Zero Follow on Youtube Follow on Instagram Connect with us
Send us a textJoin me as I celebrate the 3rd Birthday of the Retiring With Enough Podcast, and answer a listener question.If you'd like to be a part of a free online retirement community, join us on Facebook: https://www.facebook.com/groups/399117455706255/?ref=share
Send us a textJoin us on Average Joe Finances as our guest Athena Brownson, a real estate professional who transitioned from a career as a professional skier, shares her incredible life story, starting from growing up in a ski-centric family in Breckenridge, Colorado, to becoming a professional skier, undergoing multiple injuries, and finally finding her calling in real estate. Athena discusses the importance of discipline, balance, listening to mentors, consistent daily activities, and intentional networking in achieving success. This episode offers valuable insights for anyone looking to excel in real estate or any entrepreneurial venture, emphasizing the role of mentorship, the art of listening, and the importance of self-care.In this episode:Learn how persistence and mentorship can transform setbacks into stepping stones.Discover why discipline, structure, and “brilliance on the basics” drive long-term success.Understand the power of intentional networking and building authentic relationships.Gain insight into embracing discomfort as a catalyst for growth and resilience.And so much more!Key Moments:00:55 Meet Athena Brownson01:36 Athena's Early Life and Skiing Career03:02 Lessons from Skiing to Real Estate04:28 Overcoming Injuries and the Value of Coaching06:11 Transition to Real Estate15:12 The Importance of Mentorship19:37 Intentional Networking26:54 Building an Authentic Daily Routine27:47 Tracking and Evolving Your Greatness Tracker28:13 Delegation and Understanding Strengths29:05 The Importance of Basics and Discipline31:32 Handling Unexpected Challenges36:30 Maintaining Consistency in Real Estate40:09 Final Round: Personal Insights and Advice46:45 Closing Thoughts and Contact InformationFind Athena BrownsonWebsite: https://athenabrownsonrealtor.com/LinkedIn: https://www.linkedin.com/in/athenabrownsonrealtor/Instagram: https://www.instagram.com/athenabrownsonrealtorFacebook: https://www.facebook.com/AthenaBrownsonRealtorZillow: https://www.zillow.com/profile/AthenaBrownsonAverage Joe Finances®All of our social media links and more: https://averagejoefinances.com/linksAbout Mike: https://mikecavaggioni.comShow Notes add-on continued here: https://averagejoefinances.com/show-notes/*DISCLAIMER* https://averagejoefinances.com/disclaimerSee our full episode transcripts here: https://podcast.averagejoefinances.com/episodesSupport the show
This $3B Money Management Firm Shares Timeless Lessons & Takes A Holistic Approach To Investing GuestDaria Victorov – Financial Advisor and Partner atAbacus Wealth Partners with approximately $3B in AUMWebsite: https://abacuswealth.com/ BioDaria graduated from Virginia Tech's CFP undergraduate education program. Shortly after graduating she relocated to the Bay Area and worked for a small RIA in Silicon Valley. There she kick started her career working primarily with young professionals in tech. After a year the company merged with another RIA where she gained experience working with a transcontinental team and focusing on transitioning clients to the new firm.In 2016 she moved to Abacus Wealth Partners where she is now a relationship manager and partner. Abacus is a national RIA that serves ~1,600 households. She has been on FPA Silicon Valley's board of directors and the NorCal committee. Currently she is involved with NAPFA's DEI committee. In 2018 she was named one of Financial Advisor's 10 Young Advisors to Watch. Lastly, in 2024 she was named one of InvestmentNews' Rising Star recipients.Disclaimer:Abacus Wealth Partners, LLC (‘Abacus') is an SEC registered investment adviser. SEC registration does not constitute an endorsement of the firm by the SEC nor does it indicate that Abacus has attained a particular level of skill or ability. This material prepared by Abacus is for informational purposes only and is developed from sources believed to be providing accurate information. Abacus' website and its associated links offer news, commentary, and generalized research. The opinions expressed and material provided are for general information and should not be considered as a recommendation or solicitation of any particular security, strategy or investment product. It is not intended to serve as personalized tax, legal, and/or investment advice since the availability and effectiveness of any strategy is dependent upon your individual facts and circumstances. Abacus is not a legal or accounting firm. Please consult with your tax and/or legal professional regarding your specific tax or legal situation when determining if any of the mentioned strategies are right for you. Nothing on this website should be interpreted to state or imply that past performance is an indication of future performance. All investments involve risk and unless otherwise stated, are not guaranteed.
Now on Spotify Video! Are you struggling to move up in your career, get noticed in the workplace, or find the right opportunities for success? Without influence, professionals risk being overlooked and stuck in their careers, no matter how hard they work. In this episode, presented by MasterClass, Hala Taha reveals how to build influence at work and accelerate career development. You'll hear insights from experts like Chris Voss, Tori Dunlap, and Ken Coleman on becoming memorable and indispensable in the workplace. In this episode, Hala will discuss: (00:00) Introduction (01:38) How to Stand Out from Day One in the Workplace (06:03) Building Confidence and Likeability at Work (15:43) Communicating Like a Leader for Success (24:32) Embracing Feedback for Career Development (27:14) Knowing When and Where to Move in Your Career MasterClass offers a world-class online learning experience with unlimited access to thousands of bite-sized lessons designed to sharpen your career, leadership skills, and more. Discover how corporate America's most powerful executives really rise to the top in a new series on MasterClass: The Power Playbook: How to Win at Work by Stanford Professor, Jeffrey Pfeffer. Sign up today and get an additional 15% off any annual membership at MasterClass.com/PROFITING. Sponsored By: MasterClass: Get an additional 15% off any annual membership at MasterClass.com/PROFITING Resources Mentioned: YAP E305 with Patrick Lencioni: youngandprofiting.co/WorkingGeniuses YAP E245 with Tori Dunlap: youngandprofiting.co/FinancialFreedom YAP E164 with Stacey Vanek Smith: youngandprofiting.co/MachiavelliWorkplace YAP E194 with Michelle Lederman: youngandprofiting.co/GrowUrInfluence YAP E321 with Yasir Khan: youngandprofiting.co/SpeakLikeCEO YAP E330 with Matt Abrahams: youngandprofiting.co/SpontaneousSpeaking YAP Live with Derrick Kinney: youngandprofiting.co/GoodMoneyRevolution YAP E144 with Chris Voss: youngandprofiting.co/AdvancedNegotiation YAP E227 with Kim Scott: youngandprofiting.co/RadicalCandor YAP E90 with Tim Salau: youngandprofiting.co/AmericanDream YAP E296 with Ken Coleman: youngandprofiting.co/ClearYourPurpose YAP E174 with Julie Solomon: youngandprofiting.co/GrowYourBrand Active Deals - youngandprofiting.com/deals Key YAP Links Reviews - ratethispodcast.com/yap YouTube - youtube.com/c/YoungandProfiting LinkedIn - linkedin.com/in/htaha/ Instagram - instagram.com/yapwithhala/ Social + Podcast Services: yapmedia.com Transcripts - youngandprofiting.com/episodes-new Disclaimer: This episode is a paid partnership with MasterClass. Sponsored content helps support our podcast and continue bringing valuable insights to our audience. Entrepreneurship, Entrepreneurship Podcast, Business, Business Podcast, Self Improvement, Self-Improvement, Personal Development, Starting a Business, Strategy, Investing, Sales, Selling, Psychology, Productivity, Entrepreneurs, AI, Artificial Intelligence, Technology, Marketing, Negotiation, Money, Finance, Side Hustle, Startup, Mental Health, Career, Leadership, Mindset, Health, Growth Mindset, Business Ideas, Growth Hacks, Money Management, Career Podcast
In this sermon, Pastor Devin discusses the biblical principle of stewardship, emphasizing that we are managers, not owners, of what God has given us. He traces the concept of tithing from Abraham (400 years before the Law) through the Old Testament, showing it was a covenant relationship with God rather than just a legal obligation. The pastor clarifies that tithing isn't about God needing our money but about our heart posture and obedience. He addresses common misconceptions about tithing being only an Old Testament concept by showing Jesus' affirmation of it and its practice in the early church.Everything we have belongs to God; we are managers, not owners of our resources.Tithing was established as a principle of faith and trust in God before it became law, showing it's about relationship, not just obligation.Our attitude toward money reveals our heart posture toward God and our level of trust in His provision.Stewardship isn't just about an amount—it's about allegiance and obedience to God.God promises to meet our needs when we faithfully steward what He has given us.Support the show
Send us a textEveryone has certain needs whether living in a developed or a developing country. Whether you term these things basic life necessities or core necessities, people need these basic things to provide for daily living. These core necessities are food, shelter, access to transportation, access to health care, and utilities.The United States is considered one of the wealthiest nations in the world. Is a US worker's income adequate to provide basic needs?If you'd like to be a part of a free online retirement community, join us on Facebook: https://www.facebook.com/groups/399117455706255/?ref=share
Send us a textJoin us on Average Joe Finances as our guest Colton Pace, shares his journey from growing up on a ranch in Dallas, Texas to founding Ownwell, a startup aimed at reducing home ownership costs. Colton discusses how Ownwell helps homeowners and real estate investors save on property taxes, insurance, and utility bills. He also delves into the company's unique contingency fee model, how local expertise is crucial for property tax appeals, and the importance of financial planning through detailed expense tracking. Colton shares insights from his experience working for a billionaire, highlighting the significance of analyzing each expense to maximize returns.In this episode:Learn how challenging property tax assessments and expenses can unlock hidden savings for homeowners.Discover why education and awareness are key to reducing real estate ownership costs.Understand how Ownwell leverages nationwide expertise to optimize property tax and utility savings.Gain insights from Colton Pace on using curiosity and direct communication to uncover financial opportunities.And so much more!Key Moments:01:13 Meet Colton Pace: From Ranch Life to Real Estate02:27 The Mission of Unwell: Reducing Real Estate Costs03:27 Importance for Real Estate Investors07:07 The Eye-Opening Moment: Property Tax Savings11:20 Utility and Insurance Savings13:09 Biggest Savings and Success Stories15:47 Challenges and Benefits of Using Unwell17:32 The Importance of Time Management for Real Estate Investors18:18 Introducing the Unwell Team and Their Expertise19:55 Geographical Reach and Market Operations21:37 Financial Planning and Expense Management24:14 Final Round: Colton's Insights and Advice30:19 Connecting with Colton and Final ThoughtsFind Colton PaceWebsite: https://www.ownwell.com/LinkedIn: https://www.linkedin.com/in/coltonpace/Average Joe Finances®All of our social media links and more: https://averagejoefinances.com/linksAbout Mike: https://mikecavaggioni.comShow Notes add-on continued here: https://averagejoefinances.com/show-notes/*DISCLAIMER* https://averagejoefinances.com/disclaimerSee our full episode transcripts here: https://podcast.averagejoefinances.com/episodesSupport the show
Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3256: J. Money examines the high costs and hidden traps of both payday loans and credit card cash advances, weighing which is the lesser of two financial evils. While both options carry steep fees and risks, he ultimately sides with credit cards for their transparency and flexibility, though he stresses that neither should be your go-to for quick cash. Read along with the original article(s) here: https://budgetsaresexy.com/payday-loans-vs-credit-cards/ Quotes to ponder: “Payday loans are extremely expensive compared to other cash loans.” “Consumers have an average of eight to thirteen loans per year at a single lender.” “In conclusion, they both suck and should be avoided like the plague.” Episode references: Consumer Federation of America: https://consumerfed.org Debt.org - Predatory Lending: https://www.debt.org/credit/predatory-lending Learn more about your ad choices. Visit megaphone.fm/adchoices
Send us a textJoin us on Average Joe Finances as our guest George Otel, an immigrant and business owner who transitioned from owning a trucking company to founding US Business Funding, shares his journey from truck driving to real estate investing and focuses on the significance of building a strong team, understanding financing, and the opportunities in commercial real estate. He emphasizes the importance of preparation, patience, and leveraging relationships for success. George also offers insights on effective networking, the benefits of SBA loans, and provides advice for new entrepreneurs.In this episode:Discover how George Otel transitioned from trucking to thriving in commercial real estate and business financing.Learn why networking and building the right team of experts (CPAs, lawyers, financiers) is essential for growth.Understand the differences between residential and commercial real estate and why commercial offers higher returns with less competition.Explore smart financing strategies, including leveraging SBA loans to move from renting to owning.Take away hard-earned lessons on patience, planning, and the importance of hiring support early to scale faster.And so much more!Key Moments:00:00 Introduction and Welcome02:03 Meet George Otel: From Trucking to Real Estate04:09 Diving into Commercial Real Estate05:43 The Importance of a Strong Team10:14 Financing Strategies for Business Owners19:01 George's Real Estate Journey and Insights21:50 The Importance of Networking in Real Estate23:06 Building Trust and Relationships24:09 The Necessity of Pre-Approval25:10 The Role of Preparation and Reputation28:51 The Value of Patience and Rational Decisions31:01 Exploring Franchise Opportunities32:14 Final Round: Lessons and Tips39:50 Where to Find More Information41:27 Conclusion and FarewellFind George OtelWebsite: www.usbizfunding.netFacebook: https://www.facebook.com/George.OtelLinkedIn: https://www.linkedin.com/in/georgeotel/Instagram: https://www.instagram.com/georgeotel/Twitter: https://twitter.com/george_otelAverage Joe Finances®All of our social media links and more: https://averagejoefinances.com/linksAbout Mike: https://mikecavaggioni.comShow Notes add-on continued here: https://averagejoefinances.com/show-notes/*DISCLAIMER* https://averagejoefinances.com/disclaimerSee our full episode transcripts here: https://podcast.averagejoefinances.com/episodesSupport the show
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