Podcasts about Overspending

Ohtani held the D-Backs to 2 hits while racking up 3 hits himself in a dominant 7-0 Dodgers win last night. Dave Roberts says that its a lazy narrative when people say that the Dodgers are simply spending their way to success.See omnystudio.com/listener for privacy information.

Summer has a way of making you want to say yes to everything. The trips. The brunches. The outfits. The events. The experiences. Listen…there's nothing wrong with enjoying your life. In fact, you should enjoy your life. But what you don't want is to come out of the summer with credit card debt, financial stress, or feeling like you have to start over when fall hits. Because the truth is, you don't have to choose between having fun and being financially responsible. You can do both. In this episode, we're breaking down how to have your version of a "Hot Girl Summer" without overspending, without guilt, and without falling off track with your financial goals. I'm joined by Aleah Vassell from Creative With Money, who shares a powerful perspective on building wealth, managing money, and staying intentional…even with inconsistent or creative income.   In this episode, we discuss: How to enjoy summer without overspending or going into debt Why high-spend seasons like summer can derail your financial progress How to balance fun, experiences, and financial responsibility What intentional spending actually looks like in real life How to manage your money during seasons of inconsistent income Why assuming "future income" will cover current spending can backfire How to create a summer spending plan or "fun fund" that works Creative ways to enjoy your summer without blowing your budget How to deal with FOMO without sabotaging your financial goals   This episode is especially helpful if you: Feel pressure to spend more money during the summer months Want to enjoy your life but stay aligned with your financial goals Tend to overspend on travel, dining, or social events Feel like summer always throws you off track financially Have inconsistent income or are self-employed/creative Want to feel more intentional, confident, and in control of your spending   Why this matters: Summer can either be a season where you fully enjoy your life and stay aligned with your finances…or a season that quietly undoes months of progress. A lot of overspending doesn't come from a lack of discipline. It comes from a lack of planning, intention, and awareness…especially during high-energy, high-spend seasons like this. When you approach your money with intention, everything changes. You stop reacting and start deciding. You give yourself permission to enjoy your life, but within boundaries that actually support your long-term goals. Over time, that balance is what allows you to build wealth without feeling restricted or deprived.   Timestamps: [02:40] Aleah shares how she went from starving artist to high-income creative, and how Creative with Money came to be. [09:36] Prioritize your joy. You don't have to spend money to bring happiness into your life. [20:20] Aleah gives guidance to listeners who are thinking about investing or struggling with choosing investing over saving. [32:40] Raya and Aleah share some low-cost ways people can have fun over the summer.   Resources Mentioned: Follow Aleah on Instagram Creative with Money Resources City Girl Savings Personal Finance Portfolio Financial Focus Coaching Program   If you've ever felt like summer throws your finances off track, this episode is your reminder that you can enjoy your life and stay financially aligned at the same time. With a little planning, intentionality, and structure, you don't have to choose between fun and financial progress…you can have both. If you're ready to build a system that helps you stay consistent with your money no matter the season, support and accountability can make all the difference. You can learn more about coaching using the link in the show notes. You are allowed to enjoy your life. Just make sure your money is set up to support it, not stress you out later.  

You don't need to spend more money to make your Airbnb look expensive. You need to spend in the right places.In this episode, we're breaking down what actually makes a property feel elevated to guests and more importantly, what gets them to click, book, and leave better reviews.We're sharing where hosts should invest, where they tend to overspend, and how to design with performance in mind so your property not only looks better, but earns more.If you've ever felt stuck trying to “upgrade” your space without blowing your budget, this episode will give you a clear roadmap.Resources mentioned: Download our essentials checklist!

Most agents with real estate agent bad habits don't know it yet. They think the market is the problem. It's not.For years the market covered for you. Easy money masked weak skills. Bad real estate agent lead sources still produced. Overspending still worked. That market is gone and the margin for error is shrinking fast. What's left is the truth about how you've been running your business.Here's what we get into:✅ Why the real estate agent bad habits that survived 2020 to 2022 are now the exact things destroying your business in a 7% rate environment✅ The E-shaped economy and why being wildly intentional about who you work with as a buyer's agent is no longer optional✅ How to think about real estate agent resource allocation the way a CEO of a publicly traded company would, because your family are your shareholders and they are watching how you allocate every dollar✅ The $10K vacation vs. the $10K real estate agent lead source decision that separates agents who grow from agents who disappear✅ Why probate leads real estate and off-market strategies are the right places to put your energy when only motivated sellers are moving✅ The real estate agent money mindset shift that changes how you see every spending decision you make from this point forward✅ How a high interest rate real estate strategy actually works when you accept that rates are likely staying where they are or going higher✅ What intentional conversion looks like and why real estate coaching in this environment is an investment not an expenseThe agents who make it through this are not waiting for conditions to change. They are changing. I'm not telling you to do anything I'm not already doing myself.

Is your admin team helping your clinic grow - or quietly holding it back?In this episode of the Grow Your Clinic podcast, Ben Lynch, Bec Clare and Jack O'Brien unpack how to assess the true effectiveness of your admin team and turn reception into a key driver of profitability, retention and client experience. We dive into the idea of creating a concierge-style front desk experience, where exceptional social skills, warmth and customer service matter more than simply hiring someone with technical admin experience. You'll learn practical strategies for hiring the right people, building a client-first culture, improving communication through regular feedback loops, and using technology to streamline operations and elevate service.If you want to create an admin team that strengthens your culture, improves client satisfaction and drives better business performance, this episode gives you the framework to do it.Need to systemise your clinic? Start your free trial of Allie! https://www.allieclinics.com/ In This Episode You'll Learn:  

Don't Launch on a FridayWhat happens when a Google Ads campaign burns through its budget in hours? Or when AI starts making optimisation decisions you don't fully trust?In this candid episode of PPC Live The Podcast, Anu Adegbola sits down with Menachem Ani — founder of JXT Group and long-standing Google Premier Partner — to unpack the real mistakes PPC professionals make, the lessons that come from them, and why honesty matters more than perfection in paid media.With over 20 years of experience in digital marketing, Menachem shares stories from the early days of Google Ads, campaign mishaps that still haunt him, and why modern PPC has become both more powerful and more dangerous in the age of automation and AI.Together, they discuss:Overspending budgets from simple bid mistakesWhy you should never launch campaigns before a weekendThe dangers of “set it and forget it” automationPMAX misconceptions agencies still get wrongAI Max, Claude, and the future of autonomous PPCWhy strong client relationships matter when mistakes happenHow managers should handle team errors with accountability and graceThe growing pressure of keeping up with AI-driven advertisingThis episode is a refreshing reminder that even experienced PPC professionals make mistakes — and that learning from them is what truly matters.Menachem Ani is the founder of JXT Group, a Google Premier Partner agency specialising in paid media strategy, Google Ads automation, and performance marketing innovation. He is a respected industry speaker and contributor to publications including Search Engine Land, SMX, brightonSEO, and PPC Live.Slow down to go fasterAlways double check budgets and bidsNever launch major changes on a FridayAI tools still require human oversightStrong client relationships can survive honest mistakesGreat PPC managers create learning cultures, not fear culturesLinkedInX / TwitterJXT GroupFollow PPC Live The Podcast for honest conversations about PPC, paid media, AI, automation, and the realities of working in digital marketing today.

Entertaining can get expensive very quickly. Food, drinks, presentation - it all adds up. So today, how do you entertain well, without overspending? Canna Campbell - a financial planner for 20 years - and Fear & Greed's Michael Thompson are joined in the studio by Roger Bond from Dan Murphy's for a masterclass in choosing great wine at affordable prices, before Canna shares her top three tips for entertaining on a budget.Dan Murphy's is a supporter of this podcast.Canna and Michael have written a book! Twelve Months to Financial Freedom will hit the shelves on September 1 - but you can preorder your copy right now. --- The information in this podcast is general in nature and does not take into account your personal circumstances, financial needs or objectives. Before acting on any information, you should consider the appropriateness of it and the relevant product having regard to your objectives, financial situation and needs. In particular, you should seek independent financial advice and read the relevant Product Disclosure Statement or other offer document prior to acquiring any financial product.​Canna Campbell is an Authorised Representative and Financial Adviser of Links Licensee Services Pty Ltd AFSL No. 700012 ABN 97 678 975 589.See omnystudio.com/listener for privacy information.

How long can you keep your church's production running on "Band-Aid" fixes before you finally need a complete AVL upgrade? And how do you pitch that massive expense to your leadership team?In this episode, we are joined by Neil Brown of Henderson Hills Church to talk about smart budgeting, integration, and safety. Neil breaks down how to have the difficult conversation with leadership about moving from cheap, temporary fixes to a strategic, full-scale AVL upgrade. He also explains why it's okay to hit pause mid-integration if a project is heading in the wrong direction.In this episode you'll hear:0:00 Intro: Does Toby Want to Burn ChurchGear Down?6:45 Neil Brown (Henderson Hills Church) Joins13:00 When to Pause and Reevaluate Mid-Integration24:30 Moving from "Band-Aid" Fixes to Full AVL Upgrades31:30 Cool Production Life Hacks on a Tight Budget38:15 What Churches Are Spending Too Much Money On42:00 Safety Warning: Double-Check Your Rigging!46:00 Keep Sundays Running: Avoid Last-Minute ChangesGet expert help and care on your next integration project with our friends at HouseRight here.  Up to 50% off select categories and 20% off everything overall in stock! Grab a great deal deal and enter to win a "Keep Sundays Running" kit with fun swag and tech essentials here.  Up to 50% off select categories and 20% off everything overall in stock! Grab a great deal deal and enter to win a "Keep Sundays Running" kit with fun swag and tech essentials here. Resources for your Church Tech MinistrySell Us Gear: Does your church have used gear that you need to convert into new ministry dollars? We can make you an offer here. Buy Our Gear: Do you need some production gear but lack the budget to buy new gear? You can shop our gear store here.  Connect with us: Sales Bulletin: Get better deals than the public and get them earlier too here!Early Service: Get our best gear before it goes live on our site here. Instagram: Hangout with us on the gram here! Reviews: Leaving us a review on the podcast player you're listening to us on really helps the show. If you enjoyed this episode, you can say thank you with a review! 

Italy’s 2026 Winter Games face a $363 million deficit. We talk with Deseret News’ Lisa Riley Roche about what Utah can learn as it prepares for the 2034 Olympics.

You can be earning good income, paying your bills, and trying to budget—and still feel like you're stuck in the same financial patterns over and over again. Overspending when you're stressed. Avoiding your accounts when you're overwhelmed. Feeling shame about debt, even when life is the thing that put you there in the first place. In this episode, Shari Rash, founder of GWA Wealth, sits down with certified financial therapist Dr. Erica Rasure to unpack the emotional side of money and why so many financial struggles have less to do with math and more to do with behavior, stress, and past experiences. They talk about the difference between financial stress and financial trauma, how shame keeps people stuck, and why traditional budgeting often fails when it doesn't account for real life—or real emotions. You'll also hear why debt is often the result of life events, not poor choices, and how to start rebuilding your relationship with money without guilt or self-blame. This conversation will help you understand your financial patterns, recognize emotional triggers around spending, and take the first small step toward lasting change—even if you feel overwhelmed right now. You'll walk away with a clearer understanding of why your money habits feel hard to change, how to shift from shame to progress, and practical ways to move forward with more confidence and self-compassion. If you're ready to go deeper than just listening—if you want support, accountability, and a place to work through your money decisions in real time—the Everyone's Talkin' Money Club is here for you. It's where these conversations turn into action, with live guidance, community support, and practical tools to help you build lasting change. You can learn more and join us at everyonestalkinmoney.com. Shari Rash is a financial planner and Investment Adviser Representative of GWA Wealth, a Registered Investment Adviser. The information provided in this podcast is for educational and informational purposes only and should not be construed as personalized investment, tax, or legal advice. Listening to this podcast does not create an advisory relationship with Shari Rash or GWA Wealth. All investments involve risk, including the potential loss of principal. Any references to specific investments, strategies, or securities are for illustrative purposes only and are not recommendations. You should consult your own financial advisor, tax professional, or attorney regarding your individual situation before making any financial decisions. The views expressed by guests are their own and don't necessarily reflect the views of GWA Wealth. Learn more about your ad choices. Visit megaphone.fm/adchoices

Cybersecurity is no longer a nice-to-have for government contractors — CMMC compliance is now a pre-award requirement, and if you haven't addressed it, your proposal may be dead before anyone reads it. In this episode, Eric sits down with a 15-year MIT Lincoln Laboratory veteran whose company now trains US Cyber Command to break down exactly what small and mid-size contractors need to know about cyber readiness in a rapidly shifting AI-driven threat landscape. Here's what you'll learn in this episode: Why CMMC and FedRAMP exist — and why meeting the minimum standard is just the floor, not the finish line, for contractors serious about winning DoD business How AI is accelerating cyberattacks on small businesses — attackers are using the same tools you use to run your business, and they're moving faster than ever What a cyber range actually is and how it works — the fire drill analogy that explains why buying tools without training your team is money wasted The right cybersecurity stack for small contractors — endpoint detection and response (EDR), firewalls, and SIEMs explained in plain language with practical starting points How to stop overspending on tools you don't use — why most CISOs only fully utilize a third of their security tools and how to build a lean, effective stack instead What AI adoption inside your company is actually exposing — prompt injection, data leakage, and the governance controls that protect your sensitive contract data   EPISODE CHAPTERS: 0:00 - Sponsor message and why cybersecurity just became mandatory 0:53 - Introducing a 15-year MIT Lincoln Lab cyber expert  6:01 - How the guest built cyber infrastructure for national defense 7:25 - What cyber ranges are and how they work for DoD training  9:16 - The fire drill analogy for understanding cyber readiness 11:07 - Why buying tools without training your team is not enough  13:28 - How the threat landscape has evolved from servers to cloud to AI 16:17 - CMMC and FedRAMP explained as a minimum bar for contractors  19:38 - The real-world financial losses that finally force action on cyber 25:21 - Building a practical cyber stack for small business contractors  31:17 - How AI is changing team size, efficiency, and detection capability 33:36 - Where AI adoption inside your business is creating new vulnerabilities  37:00 - How cyber range assessments work and how long they take  42:14 - What the next five years looks like for cybersecurity in govcon   If you want to learn more about the community and to join the webinars go to: https://federalhelpcenter.com/ Website: https://govcongiants.org/ Connect with Encore Funding: http://govcongiants.org/funding Connect with Lee Rossey: https://www.linkedin.com/in/lee-rossey-0873881/  

On this Salcedo Storm Podcast:Grover Norquist, is president of Americans for Tax Reform, which was founded in 1985 at the request of President Reagan. ATR organizes the Taxpayer Protection Pledge, which asks all candidates for federal and state office to commit themselves in writing to the American people to oppose all tax increases.

Click Here to book your Complimentary Wealth Building Strategy Consultation.Follow Me on Instagram → @germainefoleycoaching

Motheo Khoaripe speaks to Warren Ingram, financial advisor and Co-Founder of Galileo Capital, about how the constant “you deserve to treat yourself” message pushed by advertisers and influencers encourages short‑term gratification, fuels debt and overspending, and ultimately undermines the long‑term financial security of many South Africans already under pressure from rising living costs. The Money Show is a podcast hosted by well-known journalist and radio presenter, Stephen Grootes. He explores the latest economic trends, business developments, investment opportunities, and personal finance strategies. Each episode features engaging conversations with top newsmakers, industry experts, financial advisors, entrepreneurs, and politicians, offering you thought-provoking insights to navigate the ever-changing financial landscape.    Thank you for listening to a podcast from The Money Show Listen live Primedia+ weekdays from 18:00 and 20:00 (SA Time) to The Money Show with Stephen Grootes broadcast on 702 https://buff.ly/gk3y0Kj and CapeTalk https://buff.ly/NnFM3Nk For more from the show, go to https://buff.ly/7QpH0jY or find all the catch-up podcasts here https://buff.ly/PlhvUVe Subscribe to The Money Show Daily Newsletter and the Weekly Business Wrap here https://buff.ly/v5mfetc The Money Show is brought to you by Absa     Follow us on social media   702 on Facebook: https://www.facebook.com/TalkRadio702 702 on TikTok: https://www.tiktok.com/@talkradio702 702 on Instagram: https://www.instagram.com/talkradio702/ 702 on X: https://x.com/CapeTalk 702 on YouTube: https://www.youtube.com/@radio702   CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk CapeTalk on Instagram: https://www.instagram.com/ CapeTalk on X: https://x.com/Radio702 CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567See omnystudio.com/listener for privacy information.

Send us Fan MailMoney isn't just math… it's emotional.This week on Women & Money: The Shit We Don't Talk About, we're joined by Anjali Jariwala, the founder of FIT Advisors, a financial planning firm which serves physicians and business owners across the US. After working with Fortune 500 clients and high net worth individuals at distinguished firms, Anjali decided she could make a bigger impact by starting her own firm. Her approach is to help clients understand that money is a tool to reach financial goals but emotions can impact their ability to make good financial decisions.She brings a powerful perspective on the emotional side of money, and why so many women feel stuck, overwhelmed, or disconnected when it comes to their finances. Anjali shares how money trauma shows up in real life, from overspending to over saving, and how the stories we carry from childhood quietly shape the financial decisions we make today.What you'll hear in this episode:01:00 How money trauma shows up in everyday decisions02:00 Overspending vs over saving03:00 Childhood stories and financial patterns10:00 How to reduce financial anxiety12:00 Seeing money as a tool15:00 Why money conversations feel taboo20:00 Aligning money with your valuesIf this conversation resonates, take the next step and join next week's Money Talks “Practical ways to build healthier financial habits”. Click here to register for FREE and bring your questions!  Follow & connect with Anjali Jariwala:Fit Advisors Website Instagram: @_anjalijariwalaLinkedIn   Want to take this conversation one step further? Join us for our next Money Talks, a free 30 minute live session where we'll dig into a question we hear all the time from women business owners: Budgeting for Businesses to Offer Benefits. Click here to register for FREE and bring your questions! Follow & connect with us!Website Facebook PageFacebook groupInstagramTikTokLinkedInYouTubeReddit ResourcesHave questions? Click this to check out our expert Q&A for tips from industry experts, tailored to help women address their most common financial concerns. Subscribe to our newsletter to receive financial tips delivered weekly here!...

The Stop Overspending Masterclass is happening LIVE on Sunday, April 19th at 4pm ET.  Click Here to save your seat.Click Here to book your Complimentary Wealth Building Strategy Consultation.Follow Me on Instagram → @germainefoleycoaching

They think their income is the plan. It's not. It's just the fuel.In this episode, we break down one of the most dangerous financial illusions high earners face—confusing income with actual wealth. A strong income can cover bad decisions for years. Overspending, lack of investing, no protection plan, no margin—it all gets hidden… until it doesn't. We unpack why so many high-income professionals stay stuck despite earning more than enough, and how building a lifestyle that requires constant performance creates pressure instead of freedom. This is not about making more money. It is about building something that lasts. If you want to move from income to real wealth, you need a system. One that turns what you earn into something durable, intentional, and independent of your ability to keep running at full speed. Because income is not wealth. It is just the raw material.Educational purposes only.

What makes a home feel timeless…elevated…and effortlessly pulled together? In this episode, we're breaking down the iconic Ralph Lauren design aesthetic—a look that has defined classic American interiors for decades. Known for its rich layers, tailored details, and a sense of understated luxury, Ralph Lauren style blends American heritage with classic European influence, often incorporating subtle nods to equestrian and nautical design. But here's the best part: You don't need a massive budget or a designer label to achieve this look in your own home. In this episode, I'll show you exactly how to recreate this aesthetic using thoughtful, intentional design choices—so your home feels cohesive, grounded, and timeless (not trendy or overdone). ✨ Inside This Episode, We Cover: What defines the Ralph Lauren design aesthetic (and why it works) How to create a timeless, classic home that won't go out of style The signature color palettes that ground this look (think rich neutrals, deep blues, warm woods) How to layer textures and materials for depth and sophistication The role of pattern (and how to mix it without overwhelm) Key furniture styles that feel tailored and substantial How to use lighting to add warmth and character Window treatments that elevate the entire room Subtle ways to incorporate equestrian and nautical elements without feeling theme-y    Ready to Bring This Look Into Your Home? If you love this aesthetic but aren't sure how to translate it into your own space—what to keep, what to change, or where to start— A Decorating SOS Call is your next step. Together, we'll take your ideas (whether it's Ralph Lauren-inspired or something else entirely) and turn them into a clear, step-by-step plan for your home—so you can create a space that feels cohesive, timeless, and truly you.

The Stop Overspending Masterclass is happening LIVE on Sunday, April 19th at 4pm ET.  Click Here to save your seat.Click Here to book your Complimentary Wealth Building Strategy Consultation.Follow Me on Instagram → @germainefoleycoaching

If you keep overspending, the problem may not be that you lack discipline.It may be that your budget does not match real life.In this episode of The Financial Mirror, we break down:o why overspending is often a behavior problem, not just a math problemo the emotional triggers that quietly drive spendingo how unrealistic budgets set people up to failo why having no buffer makes every month feel fragileo how to use a controlled overspending strategyo ways to reduce friction and make better money habits easierThis episode is built for beginners who want more clarity, more control, and a budget they can actually stick to.If you're tired of restarting your finances every month, this is a practical place to begin.Subscribe to the channel for more empowering content on personal finance, investing, and self-improvement. Don't miss out on the opportunity to unlock your true financial potential and live a life of abundance. It's time to invest in yourself and create the future you deserve!**Support the Stream By Shopping at Our Store** Buy Your Financial Mirror Gear: https://www.thefinancialmirror.org/shop YouTube: https://www.youtube.com/@thefinancialmirrorRumble: https://rumble.com/TheFinancialMirrorFacebook: https://www.facebook.com/thefinancialmirr0rX: https://twitter.com/financialmirr0rInstagram: https://www.instagram.com/thefinancialmirror/Podcast: https://creators.spotify.com/pod/show/thefinancialmirrorIf you are in need of a Financial Coach, don't waste another day of being in debt, not planning for retirement, or simply wondering where your money went each month. Today is the day to take control of your finances and I can help, no issue is too big or too small. Contact me at https://www.thefinancialmirror.org/#investinyourself #personalfinance #financialempowerment #financialfreedom #finance #money #investing #financialliteracy #financialindependence #budgeting #debtfreecommunity #financialplanning #debtfree #financialeducation #debtfreejourney #wealth #financetips #business #budget #investment #entrepreneur #moneymanagement #moneytips #stockmarket #financialgoals #invest #motivation #debt #savings #moneymindset #savingmoney #success #overspending #budgetingtips #paychecktopaycheck #moneyhabits #financialstability #moneyeducation #budgethelp #financialwellness

Roger Whitney explores why retirement planning software—especially Monte Carlo simulations—can give a false sense of confidence if misunderstood. He explains what these tools actually measure, the hidden assumptions behind them, and why retirement is a complex problem that requires judgment, flexibility, and resilience—not just a high “success rate.” Roger shares how to properly interpret results, avoid common traps, and use software as a guide rather than a decision-maker so you can build a retirement plan that supports a great life.OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN(00:00) This show is dedicated to helping you not just survive retirement, but have the confidence to lean in and rock it.(00:30) Roger introduces the episode topic—why your retirement calculator's success rate can be misleading.PRACTICAL PLANNING SEGMENT(02:50) Roger explains his perspective as a long-time practitioner and outlines his experience using Monte Carlo-based retirement tools.(05:05) Complicated vs. complex problems: why retirement can't be “solved” like a math equation and must instead be managed over time.(09:30) Concerns about overreliance on software—from advisors scaling businesses to individuals misinterpreting results.(11:30) What retirement software actually measures.(13:25) What software does NOT measure.(14:18) Best uses of planning software.(17:40) What software should NOT be used for.(19:40) Key dangers of using retirement software.(23:00) Feasibility vs. resilience: why a plan that “works” on paper may still be fragile in real life.(24:20) The real risk:Overspending early and jeopardizing later yearsUnderspending and missing out on life(26:20) The massive number of assumptions behind every plan—and how small changes can dramatically alter outcomes over time.(38:20) How to interpret results properly.(40:55) Looking beyond the number: evaluating the distribution of outcomes and plan sensitivity.(44:43) Understanding failures:Timing (early vs. late failures)Severity (minor shortfall vs. major gap)(48:27) Best practices:Hold success rates lightlyKeep plans simpleRegularly review assumptionsAvoid over-planning and constant tweakingDefine what success actually means for your lifeSMART SPRINT(56:04) Schedule time to review the assumptions in your retirement planning software—focus on understanding the inputs rather than optimizing the output.CLOSING THOUGHTS(56:50) Roger shares an update on the merger of his firm with Tanya Nichols' firm and the creation of a new company, Retire Agile.REFERENCESlivewithroger.com — Register for Noodle Live on March 28!Submit a Question for RogerSign up for The Noodle

Have you ever looked at your bank account and thought… “Why do I still feel broke?”The bills are paid. Your income might even be decent. But somehow, money still feels stressful, tight, and like it's constantly slipping through your fingers.In this episode of the Money Mom Podcast, I'm breaking down why you can have money and still feel broke—and what's actually going on beneath the surface.Because here's the truth most financial advice won't tell you: 

When contacting your legislators to discuss your concerns about the challenges facing farmers today, it's important to keep a level head.

Curious? Watch Our Money Makeover Bootcamp!Ready? Buy Our Simplified Budget System Now!Check Out Emily's Podcast!Budget besties, this one is for all of us who have ever walked into Target for one thing and somehow left with a cart full of “why did I buy this?” items.In this episode, we're joined by Emily McDermott, host of Moms Overcoming Overwhelm, to talk about what clutter really means and why it is about so much more than stuff. We dig into the connection between overspending, emotional clutter, identity shifts, and the overwhelm so many women feel in this season of life.Emily shares practical ways to declutter your home, your mind, and even your habits around shopping. We also talk about how creating simple boundaries around your money and your stuff can lead to more peace, more clarity, and way less stress.If you've been feeling buried by clutter, tempted by impulse buys, or just craving a fresh reset, this conversation will leave you encouraged and empowered.In this episode, we talk about:Why Target feels so hard to resist for so many womenThe connection between clutter, emotional overwhelm, and identity shiftsHow the “experience” of shopping can lead to overspendingWhy the pause gives you power before making a purchaseWhat to do instead of buying bins and baskets firstThe real reason most people feel disorganizedEmily's quick decluttering reset: Trash, Relocate, and Anything to get rid ofHow “container limits” can help you manage your home and your spendingWhy freedom works best inside clear boundariesHow simplifying your home can support the life you're living right nowLet's Take Our Relationship To The Next Level:1️⃣ Facebook Group ➡︎ budgetbesties.com/facebook2️⃣ Be on the Podcast ➡︎ budgetbesties.com/livecall3️⃣ Private 1-on-1 Coaching. ➡︎ budgetbesties.com/coachingThis podcast is for educational and informational purposes only and is not personal financial, legal, or tax advice.This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase.Click here to view our privacy policy.

In this episode, host Josh interviews Pradeep, a scientist-turned-entrepreneur who built a seven-figure Amazon business in under a year. They discuss advanced strategies for Amazon sellers, focusing on negotiating cost of goods sold, building strong supplier partnerships, optimizing inventory and cash flow, and avoiding the pitfalls of launching too many products at once. Pradeep shares actionable tips on supplier negotiations, payment terms, and expense management, emphasizing the need for a sophisticated, business-minded approach to succeed in today's competitive Amazon marketplace.Chapters:Introduction to Pradeep and His Background (00:00:00)Josh introduces Pradeep, his scientific background, and transition to Amazon e-commerce and asset acquisition.Beyond Basic Amazon Strategies (00:00:37)Discussion on moving past common optimization tactics to focus on COGS, supplier negotiation, logistics, and inventory.COGS Negotiation and Supplier Relationships (00:01:45)Pradeep explains the importance of negotiating COGS, exclusive agreements, and sophisticated supplier relationships.COGS Tracking and Unit Economics (00:04:19)Emphasis on tracking COGS, using software, and managing multiple brands and inventories.Inventory Management Pitfalls (00:05:44)Analysis of overstocking, poor forecasting, and leveraging inventory in distressed asset acquisitions.Amazon Warehousing Changes and Cash Flow (00:06:53)Transition to how Amazon's warehousing changes impact cash flow and inventory strategies.Cash Flow Mistakes and Overspending (00:07:13)Discussion on unnecessary spending on consultants, poor HR choices, and excessive conference expenses.Negotiating Payment Terms for Cash Flow (00:09:42)Advice on negotiating 30-120 day payment terms with suppliers to improve cash flow and acquisition leverage.Launching Multiple Brands: Cautionary Advice (00:11:50)Warning against launching multiple brands/products without sufficient cash flow and the risks of overextending.Key Takeaways and Action Steps (00:13:04)Josh summarizes actionable steps: focus on supplier partnerships, negotiate terms, and improve cash flow management.Expense Management and Exit Planning (00:15:08)Highlighting the impact of recurring expenses on business valuation and the importance of efficient spending.Closing Remarks (00:15:57)Final thanks and acknowledgments as the episode concludes.Links and Mentions:Tools and Websites  "Jungle Scout": "00:12:30"  "Helium 10": "00:12:30"  Key Takeaways  "Supplier Partnership": "00:13:45"  "Negotiation with Suppliers": "00:14:10"  "Cash Flow Management": "00:15:08"Transcript:Josh 00:00:00  Today I am excited to introduce you to Pradeep. He is trained as a scientist at Oxford University and Harvard University, and then he became the vice president of Global Business development for a biotech company. During the pandemic, he found himself in a unique situation which led him to start his Amazon e-commerce business. He became a seven figure seller in just 11 months and now has a new business model of acquiring distressed assets, and he also owns a boutique Amazon account and launch management agency. So welcome to the podcast, Pradeep.Pradeep 00:00:36  Thank you so much.Josh 00:00:37  I love that you made the mention of when we go to conferences. And as you listen to speakers speak on stage or even listening to podcasts time and time again, we hear the same optimization strategies and the same keyword strategies, and it's just a new tool that people are using. But instead what you're saying is like, the hard stuff is what people aren't necessarily talking about. People aren't getting into the weeds of cogs and negotiating with suppliers and renegotiating on an ongoing basis, and the finer details of logistics and where you're warehousing things.Josh 00:01:14  And with Amazon, you know, reducing inventory limits across the board for people. What are people doing now to kind of prepare themselves for a world where Amazon does limit you completely and with maybe 1 or 2 months worth of inventory and that's it. And how are you staging your inventory and still winning on Amazon in that environment and then cash flow? I mean, all of these things are such great topics. So yes, let's do a deep dive into each of these. Let's start with the cogs first.Pradeep 00:01:45  Yeah, sure. so what we see is quite interesting with cogs. the cog numbers to start off with, sometimes a minimum, we say 3 to 5, but as Amazon and e-commerce goes more expensive, I think it's about 8 to 10. So if you're buying something for $1, you should be above 8 to 10 in terms of selling prices, if not more, right? What we see is again and again people are saying, hey, we have particularly beginners, hey, we have this 3 to 4, but with inventory, PPC, shipping and all these things, it's just the profits are gone.Pradeep 00:02:21  Before the pandemic or during the pandemic is very profitable. And this is, by the way, experienced. This sounds stupid. I find I find myself finding myself stupid explaining this to someone, but we actually see it every day. Seven, eight, nine figure sellers saying you want this brand because the cogs have gone too expensive because they haven't worked out. Fundamentally, the multiples and the multiples have to be really strong now and the bigger multiple margin to sell. So those cogs are fundamentally negotiable, and you have to have the right product and the cogs are cheap. Price number one. It sounds stupid, but that's what we see. Number two is the negotiation. Hey, we bought 100,000 units. Next time we're going to have three 400,000 units. But you're still selling for the same price. Why? Your your factory should be giving you a note or, you know, handle cash flow or a cheaper price because they're getting raw material cheaper. And what we see is, you know, I sign NDAs, but what we see is some of these aggregators and others who are famous when they go back and some of these factories are quite savvy, say, hey, you raise X amount of money.Pradeep 00:03:29  All of a sudden your cogs are gone up. So, you know. So I think that's again how you negotiate and how you have exclusive agreements for a period of time, particularly on your best selling products. We do this in pharma and other business tools all around the world. You want it for five years. This is the price. If the if if inflation goes down or if the market changes, this is going to be a price. We have the power to change it not you. So it might be having exclusive agreements. And that's how sophisticated you guys we have to get in e-commerce. Because this is no longer a, a mom and pop kind of operation. This has to be sophisticated. Even if your mom and pop or a guy in a basement. That's how you should be thinking. you know, solar. It could be a corporate on your own, but you've got to think like that. So, cogs and how you define the first cogs, the renegotiate the cost is very important.Pradeep 00:04:19  Then thirdly, how are you people storing cogs, right. How are you doing unit economics and how are you storing Excel sheet or software and so forth. And that has to be updated on a daily basis. we see fundamental mistakes and we see fundamental errors as well. You can pick it out straight away from, profit and loss statements as well. so that's something people have to be aware of. And it gets really hard because if you have multiple brands, multiple products, multiple inventory, you know, it's all over the place.

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What happens when divorce forces you to look at your money differently?In this episode of The Crazy Ex-Wives Club, Erica sits down with Shana and Vanessa of Budget Besties to talk about the B word. Budgets. Not the restrictive, shame-filled kind. The bougie kind. The kind that supports your next chapter instead of shrinking it.Divorce often brings financial fear to the surface. Whether you managed the money before or not, stepping into full financial responsibility can feel overwhelming. Shame creeps in. Avoidance sets in. The credit card becomes the emotional buffer.Shana and Vanessa break down how to move from fear to clarity using a simplified, automated budgeting system designed specifically for women. They explain how most women don't have a spending problem. They have an organization problem.If you're navigating financial independence after divorce, feeling behind with money, or afraid to look at your bank account, this episode will remind you that you are capable of being the CFO of your own life.You'll learn:Why money feels heavier after divorceThe difference between a spending problem and an organization problemHow shame keeps women stuck financiallyThe three-step simplified budget system: create, separate, automateWhat a digital envelope system is and how it replaces outdated cash envelopesHow separating accounts creates natural guardrailsWhy automation eliminates financial stressHow to stop relying on credit cards to fund your lifeWhy adding cushion prevents rebound overspendingHow paying off debt creates financial freedomHow to let your money work for you instead of against youWhy your version of “bougie” is allowedWe talk about:00:00 Reframing the B word after divorce02:00 Why budgeting feels emotional and overwhelming04:00 Money shame and “I should know this already”06:00 Avoidance and head-in-the-sand habits08:00 The simplified five-column budget structure10:00 Digital envelopes and separating accounts12:00 Why guardrails create freedom14:00 Overspending and emotional justification16:00 Designing a budget you actually want to follow18:00 Becoming the CFO of your own life20:00 Adding buffer and flexibility into your spending22:00 Automating your bills and savings24:00 Debit cards versus credit card reliance26:00 Paying off debt and reclaiming income28:00 Financial independence in your next chapter30:00 Letting your money multiply while you sleep32:00 Small shifts that create financial momentum34:00 Why budgeting is self-respect, not restriction36:00 Your first simple step this weekLinks Mentioned in the ShowNeed a monthly reset and rhythm? Explore The WILD WOMANReady to Define the New You? Create your BLUEPRINTWant to grab your own bougie budget? Grab your download from the podcast HERELoved this week's guest? LEARN MOREContact Erica & The Crazy Ex-Wives Clubwww.thecrazyexwivesclub.com Tag us @ Instagram | Facebook | TikTokDid you love this episode? Make sure to follow for more.

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Curious? Watch Our Money Makeover Bootcamp!Ready? Buy Our Simplified Budget System Now!1) Overspending is the norm… and shame is lying to usA lot of people walk around thinking:“I'm terrible with money.”“I can't do math.”“I have no discipline.”But y'all… that's not the real issue. The real issue is not knowing what's safe to spend in the moment. So we guess. And guessing gets expensive.2) The rebellious spending spiral is realWhen we feel like we never have money, we get that “fine, whatever, future me can deal with it” energy:drain the accountswipe the cardturn it into a later problemSeparate accounts remove that fight because there's nothing to rebel against—you already planned for spending.3) Separate accounts = micro-decisions, not daily math OlympicsInstead of:“Did we pay rent?”“Do we have grocery money?”“Can I go to Target or will I regret it?”You get:Spending account balance = what you can spend. Period. That's the whole decision. That's the freedom.4) Replenishment changes your brain (and your habits)When your spending money gets refilled every paycheck (or weekly transfer), it stops feeling like:“now or never” and starts feeling like:“I can spend, and it's coming back.”That's why people naturally spend less without doing a bunch of willpower tricks.5) Tracking culture is exhausting and unnecessary hereSome systems want:receiptscategories tracked to the pennyapps yelling at you like you're grounded

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Jim McTague reports on a Lancaster County data center windfall, providing millions in fees and taxes to help bail out local budgets and school overspending in Pennsylvania Dutch country.1689 CHARLES II AND WILLIAM PENN

What happens when good intentions meet bad ROI? This week, Jamie tackles the spending decisions that quietly drain coworking operators' margins—and shares what to do instead. Fresh from working with clients who are making these exact mistakes, Jamie breaks down the four most common areas where operators overspend: marketing agencies that don't understand local business, IT retainers that sit unused, social media managers in markets where Instagram doesn't drive leads, and $20,000 custom websites that look beautiful but don't convert. This episode is direct, practical, and yes—a little bit of a rant. But if you've ever wondered whether you should hire an agency, pay for an IT retainer, or invest in a custom site, you need to hear this. We talk about: Why most marketing agencies can't deliver ROI for single-location operators (and the one exception) How to set up your IT infrastructure once and stop paying monthly retainers The truth about social media for coworking spaces—and when it actually works What makes a website convert versus just look pretty Why studying marketing as a business owner will save you tens of thousands of dollars If you're a new operator trying to figure out where to invest—or an experienced one wondering why your margins feel tight—this episode will help you make smarter decisions with your budget. Resources Mentioned in this Podcast: SpaceFully Everything Coworking Featured Resources: Masterclass: 3 Behind-the-Scenes Secrets to Opening a Coworking Space Coworking Startup School Community Manager University Follow Us on YouTube

Overspending is a problem for people whether you have a budget or not. There are a lot of causes for overspending and they're all emotional and logistical. Problems like convenient spending, decision fatigue and lifestyle creep as something we've "earned". By having an honest conversation with ourselves (and if need be, your spouse), a lot of these can be fixed overnight with a few simple changes.Love This? Leave a ReviewHelp more pros find us and just take 10 seconds: • Apple Podcasts: [https://shorturl.at/Jhlez] • Spotify: [https://shorturl.at/8IeVM] Connect with Stephen Website: lifebuilder.co | LinkedIn: [linkedin.com/in/stephencourson] | YouTube: [youtube.com/@stephencourson] About Lifebuilder The Lifebuilder Podcast helps ambitious entrepreneurs and leaders gain clarity, eliminate distractions, and achieve their goals faster. Each episode gives practical strategies for personal growth, productivity, and building a meaningful life. If you want clear direction, better focus, and proven frameworks to win at life and work, this show gives you the tools to get unstuck and move forward.

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In this episode of PennyWise, host John Kiernan and guest Lauren Weatherford, an associate professor at West Virginia University Extension, talk about how to get through Valentine’s Day without overspending…or putting your relationship in jeopardy. John and Lauren discuss the best ways to celebrate on a budget, how to cost-effectively impress your significant other, and major mistakes to avoid. If you have love in your life but not enough money to go around, this V-Day edition of Pennywise is for you!   More on this episode from WalletHub:  Best Credit Cards of 2026 Valentine’s Day Spending Survey  Best Jewelry Store Credit Cards  Valentine’s Day Facts Best Places to Celebrate Valentine’s Day Free Gift Ideas You could also give your Valentine a WalletHub Premium subscription this V-Day. After all, things like budgeting tools, credit-improvement help, and identity protection are gifts that keep on giving. 

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Send us a textThe best approach in any relationship is to be your authentic self. If someone chooses to end a relationship or friendship, it simply means the connection wasn't right for you. It's far worse to realize that someone is staying in your life only because of what you can offer them.https://www.instagram.com/traceylau99/

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Missionary martyr Jim Elliot famously wrote, “He is no fool who gives what he cannot keep to gain what he cannot lose.” Those words capture a vision of life that values eternal reward over temporary success—and they're being lived out today in an unexpected place: the NFL.When many people think of professional athletes, generosity may not be the first word that comes to mind. But Kirk Cousins, a 4-time Pro Bowl quarterback, is quietly challenging that assumption. For Cousins, faith isn't a compartment—it's the lens through which he approaches football, finances, family, and the future.A Faith Shaped at HomeKirk often points back to his upbringing as a pastor's kid. His parents modeled two complementary virtues: careful stewardship and open-handed generosity. Budgets mattered. Overspending was avoided. But when it came to helping others, generosity was practiced freely.That example left a lasting impression. As Kirk puts it, generosity was caught, not just taught. Watching his parents hold money loosely prepared him for a future where financial decisions would come with far greater stakes—and far greater temptation.When Kirk entered the NFL, the learning curve was steep. His first signing bonus—a six-figure check—was unlike anything he had ever seen. Unsure how to handle it, he called his dad for advice, only to discover they were navigating unfamiliar territory together.That moment marked the beginning of a stewardship journey that continues today. From the start, Kirk committed to simple but demanding principles: give first, save wisely, and live within bounds. Practicing those habits early helped anchor him when income grew and public pressure mounted.The Tension of a Finite CareerUnlike many professions, professional athletics comes with a built-in expiration date. That reality creates a unique tension: the need to save aggressively while still giving generously. For Kirk, that tension has become an invitation to trust God more deeply.Giving can feel risky when a career is visibly diminishing. Yet Kirk sees those moments as opportunities to shift the pressure off himself and back onto God—to believe that obedience and generosity create space for God to provide and direct what comes next.From Rules to RelationshipOne of Kirk's most compelling insights is the distinction between religious box-checking and genuine discipleship. It's possible, he admits, to treat giving like a checklist—do the minimum, meet the requirement, move on. But that's not the abundant life Jesus describes.Instead, Kirk points to Jesus' parable of the hidden treasure. When the treasure is truly seen as valuable, surrender becomes logical, even joyful. Financial decisions don't lead the heart; the heart leads the finances. When Christ is the treasure, generosity follows naturally.Scripture doesn't give a universal percentage or spending rule for believers. That absence is intentional—it drives us to prayer and discernment. Kirk and his wife, Julie, continue to wrestle with what “enough” looks like for their family, recognizing that the answer requires humility, wisdom, and the Holy Spirit's leading.Money, Kirk says, is a tool—a test, a testimony, and a means to an end. Growth without purpose risks becoming a search for control rather than an instrument for Kingdom impact. The question isn't just how much is being accumulated, but why.Unity in GenerosityOne of the most formative pieces of advice Kirk received early in his career was simple: always give in unity with your wife. That principle has shaped every major giving decision he and Julie make.Disagreement isn't ignored—it's prayed through. Spousal unity, Kirk believes, is often a channel through which God provides clarity and protection. Generosity practiced together strengthens both stewardship and marriage.As they consider estate planning and their children's future, Kirk and Julie intentionally prioritize wisdom over wealth. Their hope is not simply to pass down assets, but to raise children who can steward them faithfully.Their long-term vision includes generous support for their foundation and Kingdom causes, with no desire for wealth to linger aimlessly beyond its intended purpose. In Kirk's words, the goal is impact—not permanence.One place especially close to Kirk's heart is Christian education. His experience attending a Christian high school profoundly shaped his faith, and he's passionate about ensuring future generations have access to a similar formative environment. Supporting schools, teachers, and students has become a meaningful outlet for his generosity.A Different Definition of SuccessKirk Cousins' story reminds us that success isn't measured by contracts, trophies, or net worth—but by faithfulness. In a world that applauds accumulation, his life points to something better: surrender, trust, and joyful generosity rooted in Christ.As Ron Blue often says, the question isn't how much we can keep, but how much is enough—and what God would have us do with the rest.On Today's Program, Rob Answers Listener Questions:I recently sold my business, and after paying off debts and taxes, I expect to have approximately $2–$2.5 million. It's a bit overwhelming, but I feel incredibly blessed and grateful. I have a few questions: How should I invest this money safely, given that I'm pretty risk-averse? How much cash should I keep on hand? And I also have a question about tithing.Resources Mentioned:Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner)Kirk CousinsJulie & Kirk Cousins FoundationWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Stop falling for the "normal is broke" trap and learn how to identify the 13 sneakiest ways your money is leaking through your fingers. From the depreciation hit of new cars to the silent killer of credit card interest, we're exposing the low-value expenses that keep you trading your time for money. Discover how to cut the waste, pay yourself first, and reclaim the capital you need to start investing in real estate and achieving true financial freedom.

Get Katy's Book: Making Home Your Happy Place: A Real-Life Guide to Decluttering Without the OverwhelmBuy Our Simplified Budget SystemBudget besties, this one's gonna hit home—literally. We're joined by the incredible Katy Wells, decluttering expert, podcast host of The Maximize Minimalist, and author of the upcoming book Make Home Your Happy Place. If you've ever looked around your house and thought “I cannot deal with this today,” this episode is your reset button.

Christmas is meant to be a season of joy—but for many of us, it becomes a whirlwind of overspending, overcommitting, and feeling overwhelmed. The good news? It doesn't have to be that way. With a bit of planning and the right perspective, you can slow down, simplify, and savor what truly matters.Today, Crystal Payne—creator of MoneySavingMom.com—shared practical ways to simplify Christmas while keeping your heart centered on Christ. Here's a look at her best advice for making this season more peaceful, meaningful, and budget-friendly.Rediscover the Meaning of ChristmasBefore diving into logistics or budgeting, Crystal encourages families to anchor the season in what matters most.1. Practice Daily Advent ReflectionsHer family uses Ann Voskamp's Advent book, complete with ornaments and daily devotionals. The readings are short, kid-friendly, and a gentle, daily reminder of the story at the heart of Christmas.2. Create a Family Giving ProjectEvery December, Crystal's children choose a giving project—something meaningful to them—and the whole family contributes. The kids even make donation boxes and help gather change throughout the month. It's a hands-on way to practice generosity and keep the focus on others.Simplify Your Gift ListFor many people, gift-giving is the biggest stressor in December.Crystal recommends asking yourself:Who do I feel I should buy for?Who do I want to buy for?What budget do I realistically have?If your list and budget don't match, consider simplifying:Family gifts instead of individual giftsExperience gifts rather than itemsHomemade or low-cost gifts, especially for people who “have everything”Crystal's free Christmas guide at MoneySavingMom.com includes 15 simple DIY gift ideas—from movie-night boxes to Sharpie-designed mugs to homemade baked goods.Keep Spending in CheckOverspending is easy at Christmas—but planning helps.Save Throughout the YearIt's too late for this season, but Crystal encourages starting a Christmas sinking fund in January. A little each month makes December much lighter.Use Gift Cards as Your BudgetIf you shop online, buying prepaid gift cards (or using ones earned through surveys or reward apps) helps you avoid overspending. When the card is empty, the shopping is done.If money is tight this year, you still have wonderful options:Homemade food gifts: cookie dough, loaves of bread, granola, sweet breadsExperience gifts: monthly treats, babysitting, laundry help, home-cooked mealsSentimental gifts: photo books, recipe collections, handwritten lettersThese gifts often mean more than store-bought items because they're personal, thoughtful, and memorable.Make Holiday Cooking EasierFood prep can dominate December, but Crystal suggests planning ahead:Make a list of everything you hope to cookShop ahead of timePrep and freeze items like cookie dough, rolls, sweet breads, or dessertsTake shortcuts when needed—premade dough or bread can be inexpensive and time-savingA few hours of prep can give you more space for the moments that matter.Plan Meaningful Family Time (Without Overfilling Your Calendar)Crystal offers several delightful ideas to create memories without adding stress.1. Make a December Bucket ListEach family member chooses one or two special activities. That's it. This keeps the schedule joyful rather than jam-packed—and ensures you're doing what everyone actually values.2. Wrap and Read Christmas BooksWrap books you already own and open one each day in December. Kids love the anticipation, and it becomes a shared daily moment.3. Celebrate Early as a FamilyBecause they travel to visit extended family, Crystal's family sets aside a full “Christmas Day” together the week before. It allows them to savor time at home without rushing through traditions.Stay Organized and Reduce StressCrystal's top principle: Ask, “How can I make this easier?”A few of her go-to strategies:Write everything down – brain dump into Google Calendar so it's not “living in your head.”Time-block your to-dos – small chunks of planned tasks prevent last-minute chaos.Share the workload – say “yes” when someone offers help. Ask guests to bring a dish. Let kids take part in preparations.Simplifying isn't just about doing less—it's about doing what matters most with more peace.Crystal's brand-new resource includes:15 DIY gift ideasFood gifts, homemade gifts, and simple creative optionsIdeas to simplify and save money this ChristmasYou can download it for free at MoneySavingMom.com.A Final WordCrystal's wisdom reminds us that Christmas doesn't need to be hectic or expensive to be meaningful. With planning, intention, and a focus on Christ, you can give joyfully—not regretfully.And if you're looking for help managing your Christmas budget—or planning for any financial season—the FaithFi App can be a tremendous toolkit. It's designed not just to track your spending, but to help you align every financial decision with biblical wisdom.Download the FaithFi app at FaithFi.com or search FaithFi in your app store.May your Christmas be simple, joyful, and centered on what matters most.On Today's Program, Rob Answers Listener Questions:I recently learned that Illinois has an estate tax threshold of $4 million, and my estate is already above that and growing. What kind of planning should I be doing now to prepare for it?What is the quickest and most affordable way to set up a durable power of attorney for financial, legal, and healthcare decisions?Resources Mentioned:Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner)MoneySavingMom.comThe Time-Saving Mom: How to Juggle a Lot, Enjoy Your Life, and Accomplish What Matters Most by Crystal PaineUnwrapping the Greatest Gift: A Family Celebration of Christmas by Ann VoskampWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Christmas can be a season of joy—but it can also bring stress, overspending, and a packed calendar. The good news is that with planning and the right perspective, we can slow down and truly savor the season. On the next Faith & Finance Live, Rob West and Crystal Paine talk about how to simplify, stay organized, and keep our focus on what really matters. Then, it's on to calls. That’s Faith and Finance Live—biblical wisdom for your financial decisions. That’s weekdays at 4pm Eastern/3pm Central on Moody Radio. Faith & Finance Live is a listener supported program on Moody Radio. To join our team of supporters, click here.To support the ministry of FaithFi, click here.To learn more about Rob West, click here.To learn more about Faith & Finance Live, click here.See omnystudio.com/listener for privacy information.

In this week's solo episode, I'm diving into something many of us feel, but don't always say out loud holiday money anxiety. This season can be full of joy, nostalgia, and family connection, but it can also bring up guilt, pressure, overspending, and emotional triggers that hit our wallets hard. So today, I'm sharing honest reflections on the expectations we carry, the emotional weight of holiday giving, and how I personally navigate the overwhelm of gifting, family obligations, and wanting to "do enough" without draining my finances or my energy. I walk you through practical strategies for shifting your mindset, breaking old patterns, and giving yourself permission to rethink how you show up this season.  In this episode, I discuss: Guilt-free gifting: How to focus on intention instead of price tags, and ways to simplify gifts especially for kids who may value the moment more than the item itself. Setting family & personal boundaries: What to say when you want to keep things simple, stick to a budget, or opt out without shame. Overspending triggers: Why boredom, stress, nostalgia, and scarcity mindset push us to buy more and how to create friction to avoid impulse purchases. Reframing the season: How to shift from "stuff" to connection, small rituals, meaning, and presence. Planning ahead for next year: Using what you spent this season to set realistic expectations and savings goals for the future. Other related blog posts/links mentioned in this episode: Get your copy of Your Journey To Financial Freedom if you haven't already. 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! 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

A soothing December reset for women who overspend, overgive and overstretch themselves during the holidays. Katie shares a mindful breathwork pause, explores the emotional patterns behind people-pleasing and money pressure, and celebrates the launch of My Million Dollar Experiment 2, now charting globally. A gentle invitation to choose peace, boundaries, and self-kindness this season.  Watch the Zero Limits Movie on Amazon Prime or Apple TV  https://zerolimitsmovie.com/katiec .  Leave a short review on IMDb or Amazon to ripple this message further. Zero Limits (2025) - IMDb   Subscribe to both Soulful Valley Podcast & She Invests Intuitively to stay in the miracle flow. She Invests Intuitively Podcast – Soulful Valley

Hour 3 for 12-1-25 Drew is joined by Kevin Appleby to talk about the recent comments made by President Donald Trump in regards to limiting immigration from Third World Countries (6:24). Later on Paul Oster discusses holiday overspending (31:59) Resources: Center for Migration Studies: https://cmsny.org/ Better Qualified: https://betterqualified.com/home

It's the most wonderful time of the year and, if you're not careful, it could be the most expensive. The day after Thanksgiving has historically been the official start of the holiday shopping season, but we've been seeing Black Friday deals advertised earlier each year.Moreover, Americans are increasingly concerned about the rising costs of food, housing and health care. Throw in the longest government shutdown in U.S. history and recession-level layoffs in the private sector and money might be tight for many households this holiday season.Personal finance columnist Michelle Singletary joins host Colby Itkowitz and explains how you can avoid overspending on gifts and holiday celebrations. Singletary gives us permission to scale back for the holidays and prioritize togetherness over consumerism.Today's show was produced by Charla Freeland. It was edited by Reena Flores and Ted Muldoon and mixed by Sean Carter. Subscribe to The Washington Post here.