Podcasts about Overspending

Ray Trapani shares his journey from small-time scams, including exploiting a glitch in Venmo, to co-founding Centra Tech—a fraudulent cryptocurrency company that raised over $25 million. Despite facing multiple charges, including securities and wire fraud, Ray managed to avoid a lengthy prison sentence. In this candid discussion, he reveals the tactics used to deceive investors, the rapid rise and fall of his crypto empire, and how he evaded significant jail time. #VenmoFraud #CryptoScam #CentraTech #FinancialFraud #AvoidedPrison #RayTrapani #CryptoEmpire #FraudStory Connect with Ray Trapani: Instagram: https://www.instagram.com/raytrapani/?hl=en Hosted, Executive Produced & Edited By Ian Bick: https://www.instagram.com/ian_bick/?hl=en https://ianbick.com/ Presented by Tyson 2.0 & Wooooo Energy: https://tyson20.com/ https://woooooenergy.com/ Buy Merch: https://convictclothing.net/collections/convict-clothing-x-ian-bick Timestamps: 00:00:00 Launching a Netflix Documentary Journey 00:05:12 Growing Up on Long Island: Childhood and Family Dynamics 00:11:05 Navigating Adolescence Without Guidance 00:16:47 Growing Up Around Gangs and Adapting to Different Environments 00:22:22 Escaping Consequences: Moving to Florida 00:27:46 The Evolution of Financial Scam Tactics 00:33:05 High Life and Overspending in Miami 00:38:43 Surviving a Suicide Attempt and Its Aftermath 00:44:11 The Road to Crime: Childhood and Ambitions 00:49:38 The Rise and Fall of a Crypto Startup 00:54:41 The Scammer Gets Scammed: Students for Trump 00:59:46 The Lies Behind the Crypto Startup 01:05:22 Misleading Investors: The Fallout of a Fraudulent Scheme 01:10:53 Navigating Life Post-Prison 01:16:20 Navigating Legal Consequences and Restitution in Financial Crimes 01:21:50 Challenges Facing Cryptocurrency Companies in the US Powered by: Just Media House : https://www.justmediahouse.com/ Creative direction, design, assets, support by FWRD: https://www.fwrd.co Learn more about your ad choices. Visit megaphone.fm/adchoices

On this Salcedo Storm Podcast:Congressman Brandon Gill represents the 26th congressional DISTRICT IN THE GREAT STATE OF Texas.

Hey Winner, Wondering if it's the right time to run Facebook ads—or worried about wasting money? In this episode, Meta ads expert Kwadwo (QUĀY.jo) shares how to know if your business is ready, whether to DIY or hire help, and his Olympic Gold Medal Testing Framework to lower costs and boost results. You'll walk away with clarity and confidence to make ads work for you. Rooting for you ~ Gabe   New to the podcast? Start here: https://redhotmindset.com/podcast-start/   LISTEN TO HEAR: How to know if your business is ready for Meta ads—and if you should DIY or hire The Gold Medal Framework that lowers ad costs and eliminates guesswork Simple strategies to boost Meta ad results with clarity and confidence LINKS MENTIONED IN EPISODE:

On this episode, Ted and Patrick take on the tough job of rebuilding Chelsea. Where do they even start, how do they handle all their assets, and what positions should they spend their money on? The guys analyze the squad and highlight players that would be smart signings this summer. Enjoy! Kim's 1st Rebuilding Chelsea article: thetransferflow.com/p/the-chelsea-rebuild-part-1-9fbb Subscribe to our FREE newsletter: https://www.thetransferflow.com/subscribe Join Variance Betting: https://www.thetransferflow.com/upgrade Follow us on our Socials: YouTube: https://www.youtube.com/channel/UCe1WTKOt7byrELQcGRSzu1Q X: https://x.com/TheTransferFlow Bluesky: https://bsky.app/profile/thetransferflow.bsky.social Instagram: https://www.instagram.com/thetransferflow/ TikTok: https://www.tiktok.com/@transferflowpodcast Timestamps: 00:00 - Intro 00:45 - Kim's incredible fact 01:41 - A large group of 70th percentile players 02:25 - Making the Champions League + PSR nonsense 03:50 - Squad size and selling players 04:42 - Chelsea need to sell 10/15 players this summer 05:28 - Overspending on average players 07:00 - Large change in play style + xG chart 08:06 - Able to pick the right striker/LW 08:52 - What about the guys you can't move? 10:17 - Unknowns surrounding club leadership + world financial state 11:15 - Utilizing Strasbourg 11:53 - What should their philosophy be? 12:13 - Finding a better striker than Delap? 12:41 - Giving young players a chance? 12:59 - Nicholas Jackson as your #1 striker? 13:47 - Delap was a smart move? 14:42 - Buying 2 world-class players - Starting with LW 15:19 - Mike Maignan as their GK + Rodrygo? 16:10 - Xavi Simmons to help Cole Palmer? 17:32 - Allows Enzo to not play as an attacking mid 18:24 - A 2-deep squad is necessary 18:43 - Jamie Gittens and buying unfinished players 20:33 - Liverpool set the LW market 21:28 - Quenda and Tyrique George 21:54 - Strasbourg and Gettier cases 23:06 - Too many players + Overpaying for them 23:50 - Why Rodrygo over other names? 25:27 - With their assets can they make an 80-100m move? 26:42 - Kim's recap and players who can be sold + the Fofana's 27:20 - Armando Broja's poor form 28:34 - Kiernan Dewsbury-Hall and Omari Kellyman 29:01 - Carney Chukwuemeka and Lesley Ugochukwu 30:08 - What position for the 2nd World Class player? (GK or CB?) 30:47 - How Robert Sanchez was limiting Chelsea 31:36 - Who should they target? And for how much? 32:44 - James Trafford as an option? 33:45 - City have committed to their rebuild, Chelsea must do the same 34:18 - Do they need another CB? 35:40 - Marc Guehi as an option? 36:20 - Keeping Chalaba? Buying Antonio Silva or Alexsandro Ribeiro? 37:57 - 3 things Chelsea need to do 39:20 - Chelsea have been a bit smarter this summer? But so have other teams 40:22 - Man Down and Variance betting updates 41:00 - Club World Cup modelling and Neel Shelat 42:08 - B-roll - No context icing 44:17 - C-Roll - Muppets are perverts? 46:10 - Patrick Intro Fail + Ted's song

Hey friend, welcome back to HER Style Podcast! If you've ever stood in front of your closet thinking, “I have nothing to wear,” only to head to the store or your favorite site and impulse-buy a bunch of pieces that don't really go together or work for you longterm… then this episode is for you.   Today, I'm walking you through a super quick, 4-step process to create your seasonal shopping list—in under 1 hour. Because I know you're ready to be more intentional about what you buy, but let's face it, you might not have a ton of time to spend hemming and hawing over what you need most. So let's cut the overwhelm and keep it simple. The process I'm sharing with you today is completely doable for your busy life and will help you finally stop the buy and return cycle you're ready to get out of. Let's get to work!   FREE 5-MIN PERSONAL STYLE QUIZ: https://herstylellc.com/quiz HER STYLE ON INSTAGRAM: https://www.instagram.com/heatherriggsstyle/ JOIN OUR FREE FACEBOOK COMMUNITY: https://herstylellc.com/community JOIN HER STYLE COLLECTIVE: https://herstylellc.com/collective   Related Episodes: 190 – The Core Clothing Items You Should Start with In Your Wardrobe 116 – The 5 Things You Need to Put On Your Wardrobe Shopping List 43 – Knowing the Difference Between Your Wardrobe Wants VS. Needs 20 – 3 Habits That Will Help You Stop Impulse Shopping

ActionSA MP Alan Beesley joins Graeme Raubenheimer to unpack the staggering R202 million spent by cabinet members on travel since July 2024. With ministers flying business class and racking up hotel bills nearing R1 million, Beesley argues it’s time for urgent reform. He outlines ActionSA’s Enhanced Cut Cabinet Perks Bill, which proposes scrapping deputy ministers, increasing transparency, and placing executive perks under parliamentary oversight. Presenter John Maytham is an actor and author-turned-talk radio veteran and seasoned journalist. His show serves a round-up of local and international news coupled with the latest in business, sport, traffic and weather. The host’s eclectic interests mean the program often surprises the audience with intriguing book reviews and inspiring interviews profiling artists. A daily highlight is Rapid Fire, just after 5:30pm. CapeTalk fans call in, to stump the presenter with their general knowledge questions. Another firm favourite is the humorous Thursday crossing with award-winning journalist Rebecca Davis, called “Plan B”. Thank you for listening to a podcast from Afternoon Drive with John Maytham Listen live on Primedia+ weekdays from 15:00 and 18:00 (SA Time) to Afternoon Drive with John Maytham broadcast on CapeTalk https://buff.ly/NnFM3Nk For more from the show go to https://buff.ly/BSFy4Cn or find all the catch-up podcasts here https://buff.ly/n8nWt4x Subscribe to the CapeTalk Daily and Weekly Newsletters https://buff.ly/sbvVZD5 Follow us on social media: 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/CapeTalk CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567 See omnystudio.com/listener for privacy information.

In this episode, my client gets real about what it's like to look successful on the outside while quietly struggling behind the scenes. She opens up about the pressure to hold it all together, the wake-up call that came through her relationship, and the emotional work it took to finally stop avoiding her finances.We talk about:What it feels like to always make money but never see itHow avoidance, overspending, and guilt became her normalThe moment she let her partner see her full financial picture for the first timeWhat changed when she stopped pretending and started planningThis episode is for anyone who feels like they should “have it together by now” but secretly knows the numbers don't add up. You're not alone.To learn more about 1:1 money coaching with Aqura ⁠⁠⁠⁠click ⁠here⁠⁠⁠⁠⁠. You will find all the details about money coaching, who it's for, what you will achieve and how to book a sales call to start working together.Subscribe to Surplus & Safety to keep more of what you earn, feel in control, and always know you're safe, no matter what's coming in. You won't just make more money, but. you'll finally feel safe with the surplus.Follow Aqura on Instagram ⁠⁠⁠⁠⁠@aquranicholson⁠⁠⁠⁠⁠. 

In this special members-only episode, we tackle the big question: are Hawaiian luaus really worth the price, or just a tourist trap? Discover insider tips for saving money, learn how to separate genuine cultural experiences from touristy gimmicks, and get our top picks for the best luaus across the islands—so you can plan an unforgettable night in Hawaii without any regrets.Become a member to access premium episodes like this and so many more: hawaiisbesttravel.com/members

Transform Your Retirement: 10 Proven Strategies to Stop OverspendingIn this episode, learn how to control overspending in retirement with 10 actionable strategies. Discover insights from working with hundreds of retirees, why traditional budgeting fails, and psychological factors influencing spending. Learn practical steps such as identifying spending blind spots, mindful spending, and creating realistic budgets. Equip yourself with tools like automation and behavioral modifications for lasting financial security and joy in retirement. Click the link in the description for a personalized video analysis to help you retire comfortably.00:00 Introduction: Overcoming Retirement Overspending00:47 The Growing Problem of Retirement Overspending01:05 Identifying the Causes of Overspending02:55 Strategies to Regain Control of Retirement Spending03:07 Detailed Spending Strategies05:25 Behavior Modification Techniques06:49 Systematic Changes for Long-Term Success09:06 Implementing the Strategies for Financial Security10:41 Conclusion and Next Steps8059895.1

Youth sports are not just sports anymore. They're a $40 billion+ industry and in this episode, we're getting all the way into it. We're talking about the emotional pressure, the social expectations, the team group chats, the $75 photo packages that somehow still exist in 2025, and why nobody tells you the signup fee is just the beginning. Whether you're new to the world of cleats and concession stands or already halfway through a season with three backup uniforms and a mini mortgage in gear, this episode will help you take a breath and get a grip.We break down the four types of spending most sports parents face:Sign-up costs (AKA the cover charge)Gear and equipment (plural. Always plural.)Lifestyle expenses (snacks, meals, coach gifts, and “team bonding” events that cost real money)Development extras (private lessons, apps, camps, and the “just in case they're great” category)We also cover several practical tips like the importance of setting a seasonal sports budget that your kid can help manage, why used gear is your best friend and where to find it, and the right time to say no and how to skip guilt with it. Whether you're trying to be the "fun" parent, the budget-conscious one, or just trying not to lose your mind, this one's for anyone raising kids in sports. Links: Project Play survey: Family spending on youth sports rises 46% over five yearsEpisode 183 - Why NIL is a game changer for young athletes Connect with Julien and Kiersten on our website, Instagram, Twitter, and YouTube.Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life. Get our book Cashing Out: Win the Wealth Game by Walking Away, named 2023 best overall book about investing by Business Insider and one of the best personal finance books by ForbesIf you would like to learn more about investing, check out our newest class, Making Money Grow

God's Debris: The Complete Works, Amazon https://tinyurl.com/GodsDebrisCompleteWorksFind my "extra" content on Locals: https://ScottAdams.Locals.comContent:Politics, Trump vs Musk, President Trump, Elon Musk, Democrat Rat Smiles, Stephen Miller, Big Beautiful Bill Debate, Mike Benz, Rand Paul, Lindsey Graham, Mario Nawfal, Ancient Rome's Overspending, Thomas Massie, CynicalPublius, Debt Crisis, Prior Global Panics, Ibram X Kendi, Antiracism Center, Pacific Palisades Real Estate, UC Berkley Federal Funding, Warfare Drone Production, Ukraine War Drones, Scott Adams~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~If you would like to enjoy this same content plus bonus content from Scott Adams, including micro-lessons on lots of useful topics to build your talent stack, please see scottadams.locals.com for full access to that secret treasure.

#230: The Wealth Ladder is a new philosophy for thinking about money and in this episode you'll learn exactly how to handle your spending, income, investments, and more, with tailored advice for every stage. We cover strategies to boost income, spend smarter with the 0.01% rule, avoid costly financial traps, evaluate new business opportunities, and achieve financial freedom. Nick Maggiulli is a financial writer, data expert, and the COO of Ritholtz Wealth Management. He's the creator of the popular financial blog Of Dollars and Data and the author of Just Keep Buying and The Wealth Ladder. Link to Full Show Notes: https://chrishutchins.com/the-wealth-ladder-nick-maggiulli Partner Deals LMNT: Free sample pack of my favorite electrolyte drink mix Gelt: Skip the waitlist on personalized tax guidance to maximize your wealth MasterClass: Learn from the world's best with 15% off Notion: Try Notion AI free to automate tedious tasks and streamline your work Trust & Will: Get 20% off personalized, legally binding estate plans For all the deals, discounts and promo codes from our partners, go to: chrishutchins.com/deals Resources Mentioned Nick: X | Instagram | LinkedIn | Blog Pre Order: The Wealth Ladder: Proven Strategies for Every Step of Your Financial Life Research Data Sources Survey of Consumer Finances (SCF) Panel Study of Income Dynamics (PSID) ATH Podcast Ep #59: Save Money, Build Wealth and Just Keep Buying with Nick Maggiulli Ep #206: The Gold Market: Strategies for Investing and Reselling with Trey Benedict Ep #213: The 5 Types of Wealth with Sahil Bloom Leave a review: Apple Podcasts | Spotify Email for questions, hacks, deals, and feedback: podcast@allthehacks.com Full Show Notes (00:00) Introduction (02:15) Big Misconception: Wealth vs. Income (04:43) Why You Should Think About Wealth as a Ladder (08:54) Level 1: Living Paycheck to Paycheck (11:18) How to Grow Your Income in Level 2 (14:04) What Is the 0.01% Rule? (18:43) Leveling Up from Level 3: Investing & Side Hustles (21:21) The Risk of Overspending (22:41) Nick's Research Data Sources (24:15) The Difference Between Level 3 and Level 4 (29:44) Risks People Face at Level 3 and 4 (33:40) Transitioning from Level 4 to 5 (35:56) How to Manage Lifestyle Creep (38:49) Level 5 and 6 of the Wealth Ladder (40:24) The 5 Different Types of Wealth (41:47) How Does Happiness Correlate with the Wealth Ladder? (43:47) The Average Timeline to Climb Up the Wealth Ladder (47:30) Using the 1% Rule to Evaluate Business Opportunities (50:20) Accessing Travel Freedom Through Points & Miles (52:36) Biggest Lessons Nick Learned on His Wealth Journey (53:54) The Impact of Understanding the Wealth Ladder (55:02) Where to Find Nick's Book and Other Work Connect with Chris Newsletter | Membership | X | Instagram | LinkedIn Editor's Note: The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post. Learn more about your ad choices. Visit megaphone.fm/adchoices

Reset your vacation budget and learn about the real work it takes to manage a rental property as a new or aspiring landlord. How can you get back on budget after overspending on vacation? What should you know before turning a home into a rental property? Hosts Sean Pyles and Elizabeth Ayoola discuss navigating the financial aftermath of travel and break down the real-world expectations of becoming a landlord. Joined by Lisa Green, NerdWallet writer and experienced rental property owner, they discuss the practicalities of managing a rental and share firsthand budgeting wins and miscalculations from recent international trips. They begin with a discussion of post-vacation budget resets, with tips and tricks on embracing no-spend months, identifying emotional spending triggers, and realigning with financial goals. Then, Lisa Green joins Sean and Elizabeth to discuss rental property ownership. They talk about what it takes to manage a property, the role of property managers vs. DIY, and how taxes, legal structures, and financing strategies work when building a long-term rental portfolio. In their conversation, the Nerds discuss: how to manage a rental property, post-vacation budgeting, rental property taxes, passive income rental property, cost of property management, rental property depreciation, rental property LLC pros and cons, travel spending budget tips, managing a rental from afar, all-inclusive vacation budgeting, is passive income really passive, how to budget for vacation, how to rent out your house, first-time landlord advice, LLC vs trust for rental property, owner-occupied rental property, how to start a rental property business, multifamily property investment, rental property tax benefits, short-term loan for real estate, rental property umbrella insurance, refinancing a rental property, how to avoid selling your house, budgeting after vacation, rental property record keeping, rental property write-offs, and how to buy your second property. To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email podcast@nerdwallet.com. Like what you hear? Please leave us a review and tell a friend.

This week's podcast sheds light on seven critical yet often overlooked warning signs that could derail your retirement plans.  1. Market Volatility: Sudden market swings can significantly impact your retirement savings, especially if they occur early in your retirement. Understanding sequence of returns risk is crucial to safeguarding your nest egg.  2. Inflation's Silent Erosion: Over time, inflation can diminish your purchasing power, affecting your ability to maintain your desired lifestyle. It's essential to have strategies in place to combat this silent threat.  3. Outdated Estate Plans: Life changes, and so should your estate plan. Failing to update your estate documents can lead to unintended consequences for your heirs. 4. Overspending in Early Retirement: The initial years of retirement can be exciting, but excessive spending during this period can jeopardize your long-term financial security. 5. Lack of a Comprehensive Retirement Plan: Without a structured plan, you may find yourself unprepared for the financial challenges of retirement. A well-thought-out strategy is essential for peace of mind.  6. Staying Stuck in the Risky Growth Phase: While growth investments have their place, failing to adjust your portfolio as you age can expose you to unnecessary risks. It's vital to reassess and rebalance your investments periodically. 7. Neglecting to Rebalance Your Portfolio: Over time, your asset allocation can drift from its intended targets. Regular rebalancing ensures your portfolio remains aligned with your risk tolerance and financial goals. Listen in.  >>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>>  LET'S CONNECT Show website: https://www.providencefinancialpodcast.com Find us at: https://www.providencefinancialinc.com Get to know Anthony: https://anthonysaccaro.com Anthony's book: https://morelifethanmoneybook.com Amazon Author Page: https://amazon/author/anthonysaccaro YouTube: https://www.youtube.com/c/AnthonySaccaro/featured Radio: https://www.providencefinancialradio.com Yelp: https://www.yelp.com/biz/providence-financial-and-insurance-services-inc-woodland-hills Facebook: https://www.facebook.com/Providence.FinancialInc/ Twitter: https://twitter.com/AnthonySaccaro LinkedIN: https://www.linkedin.com/in/anthonysaccaro/

If you've ever looked at your bank balance and thought “What the actual f*ck just happened?” - this episode's for you.This week I sat down with ADHD coach Ben Cook to unpack why so many neurodivergent people feel “shit with money” - and what's actually underneath that shame spiral. From people-pleasing purchases to impulse spending as emotional regulation, we get into the real stories behind the ADHD tax (and no, it's not just water bottles and Roblox).We also chat about:The identity crisis of a late diagnosis (and how it rewrites your past)Why so many ADHDers burn out in ‘cutthroat' careers like sales and recruitmentHow emotional dysregulation drives addictive spendingTeaching kids about money without passing on the shameWhy self-diagnosis and awareness can be just as powerful as a formal labelAnd yes… I give Ben a loving nudge about finally showing up on TikTokThis one's full of raw honesty, laughs, and practical takeaways for anyone navigating money, mindset, or visibility with a spicy brain.Connect with Ben Cook:Website: goodtothinkdifferently.comInstagram: @thisisbencookLinkedIn: Ben Cook, ICF, ACCPH---------------------- Visit Maddy's ⁠⁠⁠Stan Store⁠⁠⁠ Follow Maddy on ⁠⁠⁠Instagram⁠⁠⁠ and ⁠⁠⁠TikTok⁠

In this Episode, Laura, Jeremiah and Randy discuss the critical catastrophes to avoid as individuals approach retirement. They emphasize the importance of planning for healthcare costs, the timing of Social Security benefits, and the necessity of estate planning. The discussion highlights common mistakes, such as overspending in early retirement and neglecting to stress test financial plans. This episode is full of insights into how to navigate these challenges effectively, ensuring a secure and fulfilling retirement. In This Episode: Fear of outliving money is a common concern. Healthcare and long-term care planning are crucial. Claiming Social Security too early can reduce benefits significantly. Estate planning is essential to avoid complications later. Investing strategies should adapt as one ages. Stress testing financial plans helps identify potential issues. Inflation can erode purchasing power in retirement. Overspending in early retirement can lead to future financial strain. Target date funds may need adjustments for longer retirement horizons. Planning with a trusted advisor can mitigate retirement risks. Reach out at contact@tricordadvisors.com Connect with Jeremiah: LinkedIn: / jeremiahjlee Email: Jeremiah@tricordadvisors.com Connect with Laura: LinkedIn: / laura-lee-59a83610 Email: Laura@tricordadv.com Connect with Randy: LinkedIn: / rkbarkley Email: Randy@tricordadv.com Information and ideas discussed are general comments and cannot be relied upon as pertaining to your specific situation, do not constitute legal/financial advice, and do not create an attorney-client or fiduciary relationship. Examples discussed are fictional. You should consult your own advisor/attorney and do your own diligence prior to making any decisions. Investments involve risk and the possibility of loss, including the loss of principal. All situations are different, and results may vary. Randy Barkley is a life insurance agent CA license # 0518567 and Jeremiah Lee is a California licensed attorney and is responsible for this communication. Advisory services offered through TriCord Advisors, Inc., a Registered Investment Advisory firm.

Snag Our Simplified Budget System!This episode is a ride through the real-life money moments we see in coaching all the time. From the confusion around bankruptcy payments to finally feeling not broke even when you're actually doing great—this one's full of eye-openers.We're pulling back the curtain on our coaching sessions to walk you through what's really going on behind the numbers. Because if our clients are struggling with it, chances are you might be too.Here's what we get into:

Need to systemise your clinic? Start your free 30-day trial of Allie!https://www.allieclinics.com/In the 300th episode of the Grow Your Clinic podcast, CM Team Ben Lynch, Jack O'Brien and Hannah Dunn come together for a Mastermind to discuss the importance of KPIs and how they should be used to lead rather than judge performance. They discuss strategies for filling therapist schedules, emphasising the significance of brand connection and effective marketing. They tackle the question of whether clinic owners should manage their own marketing efforts and encourage a mindset focused on helping as many people as possible. Listeners will also hear insights from Jack on the numbers behind attracting new clients and Hannah's unexpected perspective on marketing strategies, even when facing a waitlist. Tune in for insights on cultivating strong leadership in your clinic!Timestamps[00:35] Marketing for clinic owners.[04:02] New client requirement formula.[09:10] Expectations for new therapists.[14:10] Understanding KPIs in therapy.[15:52] Burnout in health professions.[19:20] Client outcomes versus billable hours.[23:18] Marketing budget for new clients.[27:22] New clinician visibility importance.[31:05] Clinic owners and marketing.[36:28] Recruitment marketing investment importance.[40:49] Finding quick wins in clinics.[42:23] Revenue generation through product sales.[48:54] Formulas for client acquisition.[49:37] Time management in clinics.What You'll Learn:

Does it ever feel like your money's gone before you even realize it? You're not alone. In this episode, we're talking about simple, realistic ways to get a handle on overspending and feel more in control of your finances. We'll cover everything from what to do with the money left after paying bills, to avoiding impulse buys, and even how to limit all those tempting ads. You'll get simple, realistic tips that are easy to stick with. Learn how to make your budget work for you, stay intentional with your spending, and build habits that support your goals, without the stress. Hosting Today: I'm Ashley Patrick, ex detective turned debt-free CEO of my very own business and stay at home mom of three. Not too long ago, my dreams of staying at home with my kids seemed impossible. I thought I'd have to stay miserable in a high stress demanding job, just so I could retire someday. After gaining the confidence in my own ability to manage my family's finances and a simple step-by-step plan to make it happen, I was able to pay off $45,000 in just 17 months, which then allowed me to finally quit my job, stay at home with my kids, and build a debt-free business. Now, my mission is to help moms like you conquer debt and free themselves from the mental load of handling their family's finances. “It's important to have that bigger goal, but have a very clear, specific breakdown of those goals with milestones along the way, so that you can stay focused on what that big goal is and stay on track as you are moving forward.” - Ashley Patrick For easy step by step directions and worksheets on getting your budget together and done in 30 minutes a month, download my FREE Budget Starter Kit on www.budgetsmadeeasy.com/start And if you enjoyed the podcast today and got some great takeaways, I'd really appreciate it if you followed the Money Mindset Podcast so you don't miss out on future episodes Resources and Links Mentioned: * Grab your FREE Budget Starter Kit here: www.budgetsmadeeasy.com/start * Budgets Made Easy Blog: www.budgetsmadeeasy.com/blog Connect with Ashley: * Instagram: www.instagram.com/budgetsmadeeasy

Let's talk about money — with compassion, clarity, and zero judgment.In this solo episode, I'm breaking down one of the most common struggles I see with women entrepreneurs (especially mamas just starting out): not feeling confident or organized when it comes to the money side of your business. Whether you're not making money yet, not tracking your income, or not paying yourself — this episode is here to help you shift from shame to empowerment.After more than a decade of coaching women entrepreneurs, I've noticed that financial clarity and confidence aren't built overnight — but they are learnable. You don't need to be a numbers nerd or love spreadsheets. You just need to start.So if you've ever said, “I'm just not good with money” — grab a notebook, tune in, and let's change that narrative together.

If we were starting our health and fitness journeys over today, these are the 5 critical lessons we would apply from day one. In this episode, we break down the biggest mistakes we made, what we'd do differently, and how you can skip the trial and error to fast-track your own success. We cover: ✔️ The importance of tracking your workouts and data—stop wandering through the gym without a plan ✔️ Why spending more time at maintenance calories (instead of constant dieting or bulking) is the real key to sustainable progress ✔️ How to avoid wasting money on unnecessary supplements and which ones are actually worth it ✔️ The power of having a clear vision and purpose behind your fitness goals to stay motivated long-term ✔️ Why daily movement outside of workouts is a game-changer for overall health and fat loss This is the advice we wish someone gave us at the start. If you're just beginning—or even if you've been at it for a while—this episode will help you avoid common pitfalls and focus on what really matters. APPLY FOR COACHING: https://www.lvltncoaching.com/1-1-coaching SDE Method app: https://www.lvltncoaching.com/sde-method-app Macros Guide https://www.lvltncoaching.com/free-resources/calculate-your-macros Join the Facebook Community: https://www.facebook.com/groups/lvltncoaching FREE TOOLS to start your health and fitness journey: https://www.lvltncoaching.com/resources/freebies Alessandra's Instagram: http://instagram.com/alessandrascutnik Joelle's Instagram: https://www.instagram.com/joellesamantha?igsh=ZnVhZjFjczN0OTdn Josh's Instagram: http://instagram.com/joshscutnik   Timestamps: 00:00 The Importance of a Clear Vision 02:59 Tracking Progress: The Key to Success 06:03 The Role of Progressive Overload 09:03 Mindset and Training Intensity 12:00 The Impact of Technology on Fitness 14:58 Strength Training as a Foundation 17:59 Conclusion and Key Takeaways 18:12 The Pitfalls of Forever Dieting 19:10 Understanding Maintenance and Reverse Dieting 21:43 The Journey to Recovery from Eating Disorders 25:28 Body Image and the Pursuit of Lean 27:12 The Cycle of Bulking and Cutting 30:22 The Importance of Maintenance Calories 33:49 Overspending on Supplements 37:44 Understanding Personal Purpose and Goals 40:24 The Importance of Purpose and Meaning 42:47 Redefining Goals and Finding Your Why 46:56 Sustaining Motivation Beyond Achievements 49:52 Exercise as a Foundation of Health 51:58 The Role of Movement in Daily Life

Click here to sign up for Private 1:1 Coaching inside of The Wealthy Woman's Academy. Click Here to Book your Financial Clarity Consultation! Struggling to save, stuck in the debt cycle, or wondering where all your money goes? If you make good money but still feel like you're not getting ahead, let's change that. In a complimentary Financial Clarity Consultation, I'll help you identify what's keeping you stuck, show you exactly what to focus on next, and give you a clear plan to start building real wealth. During this no pressure session, we'll decide if it's a good fit to work together in order to make it happen. Click Here to book your complimentary consultation. Ready to finally Stop Overspending?Start The Stop Overspending Course today → Click here to enroll. Grab the Free Training:How to Build Wealth WITHOUT Going On A Strict Budget → Click here to watch now. Click Here to open an Account with Ally Bank Using My Referral Link. Follow Me on Instagram → ...

Bill for new National Maternity Hospital could reach €2 billion. We are we too comfortable with overspending? Ciara and Shane discussed this morning.

Snag Our Simplified Budget System!Today, we're taking you behind the scenes of our private coaching sessions to share the real stories, real challenges, and real wins that come with building a budget that works in the messy moments of life. From surprise moving costs and mortgage pressure to sneaky Apple charges and Costco overspending, we're breaking it all down. These lessons are too good to keep behind closed doors—because if our clients are dealing with it, chances are you are too.Whether you're in the middle of a big life change or just trying to keep your grocery budget under control, this episode is full of practical takeaways and comforting reminders. We've got your back through every budgeting curveball.What We Talk About:Why moving always costs more than you thinkThe 15-year vs. 30-year mortgage debate (especially for single income households)How a few forgotten subscriptions can wreck next month's budgetThe danger of “extra” money sitting in your accountWhen buying the dream house means saying no to everything else—for a seasonCredit card points vs. actual financial peaceOur honest (maybe unpopular) opinion on Costco and bulk storesBudget Takeaways:Moving is messy—plan as much as you can, but give yourself grace when the numbers don't look perfect.Debt freedom takes sacrifice. But short-term discomfort can create long-term options.Put your bills in one account and pull your rollover money out—no temptation!If there's no wiggle room in your budget, it's not the right time for a 15-year mortgage.Credit card points are not a budgeting strategy. They're a trap. (We said what we said.)4 Ways To Connect With Us:1️⃣ FREE CALL: Book your FREE 20-Minute Financial Coaching Call now! Get personalized advice and start your financial journey ➡︎ https://www.budgetbesties.com/freecall 2️⃣ FACEBOOK: Become part of our Supportive Facebook Group. Connect, share, and learn with others mastering their budget skills ➡︎ https://www.budgetbesties.com/facebook 3️⃣ BUDGET: Grab our Signature Budget Template! It's your key to organizing and optimizing your finances effectively ➡︎ https://budgetbesties.com/budget 4️⃣ COACHING: Ready to dive deep into your finances? Sign up for 1-on-1 or Group Financial Coaching. It's the accountability and guidance you need to make real progress ➡︎ https://budgetbesties.com/coaching "I love Shana & Vanessa and this podcast is amazing!"

Send us a textIn this episode of The MLO Project, Frazier and Michael McAllister get brutally honest about why most loan officers waste money on marketing—and how to flip that script.They kick things off with some laughs, then dive into real stories of marketing fails, breaking down how poor time management, lack of follow-through, and shiny object syndrome sabotage results.Their message? Marketing is an investment, not a lottery ticket. If you're not doing your due diligence, blocking time to learn the system, and setting real expectations—you're flushing cash.They also crush the gym membership mentality—you can't just buy the tool and expect results. You've got to use it with purpose.Plus, stick around for a shout-out to the upcoming TAG event and why it's a can't-miss for LOs who want to grow with the right strategies (and the right people).Hit play and learn how to stop wasting money—and start making marketing actually work for you.00:00 Introduction and Banter01:51 Today's Topic: Marketing Expenditures04:16 Personal Experiences with Marketing Investments07:17 The Importance of Treating Marketing as an Investment14:21 Common Pitfalls and Lessons Learned18:09 Reckless Spending and Marketing Mistakes19:11 The Pitfalls of Overspending on Tools and Subscriptions20:44 The Importance of Due Diligence and Vendor Contracts23:37 Adoption Rates and Effective Tool Usage25:42 Setting Constraints and Avoiding the Gym Membership Mentality32:43 Final Thoughts and Upcoming EventsJoin our HighLevel Facebook GroupTMP is presented by: Empower LOConnect with us at mloproject@empowerlo.com

BUY CAST BREW COFFEE TO SUPPORT THE SHOW - https://castbrew.com/ Become A Member And Protect Our Work at http://www.timcast.com Host: Tim Pool @Timcast (everywhere) Guests: Conor @counterconor (X) Cameron Barrett @econoboi (X) Producers:  Lisa Elizabeth @LisaElizabeth (X) Kellen Leeson @KellenPDL (X) My Second Channel - https://www.youtube.com/timcastnews Podcast Channel - https://www.youtube.com/TimcastIRL Overspending, Welfare & BLOAT Will END The US | The Culture War with Tim Pool

Your career path may be difficult. There will be delayed recognition for your efforts. It is a favorable time for starting new businesses. Those already in business may make gains. Your finances may be average. Overspending is likely. Minor health problems are possible, including knee pain. There may be many hurdles to marriage; remain calm and composed with your partner. It is a good period for romance. School-going Gemini students may have a difficult time, while graduate students may perform well. Post-graduate students could shine in academics. Research students will be preoccupied with their thesis work. Those in healthcare could have a hectic period.

In this episode, we chat with Paige Pritchard, a financial expert who specializes in helping people transition from overspending and debt to financial empowerment. She dives into the psychology behind spending, emotional triggers, and the importance of awareness in overcoming financial challenges. We also explore how societal norms and social media shape our spending habits, and how algorithms influence our perceptions of normalcy. Paige shares insights on the need for creativity over consumption and how creating healthier habits can lead to personal growth. We wrap up with practical tips for recognizing marketing tactics and developing a healthier relationship with money.Who is Paige? Paige Pritchard is a spending coach who helps women stop impulse shopping and overspending. Paige discovered her passion for helping women develop healthier spending habits through her own personal struggles with impulse shopping when at age 22 she blew through her $60,000 salary after graduating from college.By uncovering the root cause of her shopping and making a commitment to develop healthier spending habits she was able to turn her financial situation around in her twenties by paying off her $40,000 of student loan debt, cash flowing her MBA, becoming a homeowner and building a multiple six-figure investment portfolio by age 29.In 2020 Paige became a certified life coach through The Life Coach School and since then has coached thousands of women to become better spenders and reach their full financial potential through her social channels, her podcast called The Money Love Podcast, and group coaching program, Overcoming Overspending.Paige's work has been featured in publications like NBC News, The Washington Post, The Daily Mail, BuzzFeed, The Guardian, and the Dr. Phil Show.Paige's LinksInstagram: @overcoming_overspendingTikTok: @overcoming_overspendingYouTube ChannelThe Money Love PodcastWork with Paige: Overcoming Overspending Group Coaching ProgramChapters 00:00 Introduction to Overcoming Overspending02:46 Paige's Transformation Story06:08 The Psychology of Spending09:03 The Role of Emotions in Spending12:00 Stages of Awareness in Spending Habits15:00 The Lifelong Journey of Financial Health18:00 Emotional Spending and Its Impacts21:06 Challenging the Norms of Consumer Culture26:50 The Impact of Social Media on Consumer Behavior29:00 Understanding the Algorithm: Control and Consumption36:40 Creation vs. Consumption: Finding Balance45:28 Building Healthy Habits: Choosing Your Hard48:44 The Psy-----------------CONTACT US: sustainthispodcast@gmail.comJOIN OUR PATREON: https://www.patreon.com/SustainThisPodcast SIGNE HANSENYoutube: https://www.youtube.com/@UseLess_dkWebsite: https://www.uselesswardrobe.dk/IG: https://www.instagram.com/useless_dk/TT: https://www.tiktok.com/@useless_wardrobeCHRISTINA MYCHASYoutube: https://www.youtube.com/@ChristinamychasWebsite: https://www.minimalist-ish.com/IG: https://www.instagram.com/christina.mychas/TT: https://www.tiktok.com/@christina.mychasALYSSA BELTEMPOYoutube: https://www.youtube.com/@AlyssaBeltempoWebsite: https://msbeltempo.com/IG: https://www.instagram.com/msbeltempo/TT: https://www.tiktok.com/@msbeltempo If you loved this episode please share it on your stories and tag us! We love to see which episodes resonate with you and it helps to spread the word more than you know, xo

Welcome to another powerful episode of the Building Your Money Machine Show! If you've ever looked at your bank account and wondered, “Where did all the money go?” or felt regret after an impulse buy, this episode is for you—because, honestly, it was for me too. Today, I dig deep into my own experience with overspending—how I got caught up in mindless purchases, emotional triggers, and comparison traps, and, most importantly, the game-changing shift that finally helped me get my spending under control.I share the real cost of overspending—how it's never just about the money, but about the missed opportunities, future stress, and even the emotional toll that comes from repeating the spend-regret cycle. You'll hear about my own “confession time”: the time I drove off a car lot on New Year's Eve with a brand-new car I didn't actually need. Then I'll walk you through the hard truths I faced, the wake-up call that changed everything, and my 4P Framework—a simple but effective process that stopped me from overspending without making me feel restricted or deprived.IN TODAY'S EPISODE, I DISCUSS:The real, lasting cost of overspending—and why even small, mindless purchases can steal your future wealthThe three main triggers for overspending: emotional spending, comparison spending, and lifestyle creepWhy simply making more money doesn't fix overspending habitsMy 4P Framework for spending with intention and joy, not regret:Why it's critical to design your version of a “rich life,” not just play copycat to what you see onlineRECOMMENDED EPISODES FOR YOUIf you liked this episode, click here to enjoy these and more:https://melabraham.com/show/5 Simple Habits For Building Wealth (as a self made millionaire)Major Money Milestones To Achieve in Your 40sHow To Save More in 6 Months Than Most People Do in 6 YearsWhy The PERFECT Retirement Is Actually A Huge LIE11 Timeless Habits To Survive Any RecessionRECOMMENDED VIDEOS FOR YOU If you liked this video, you'll love these ones:5 Simple Habits For Building Wealth (as a self made millionaire): https://youtu.be/hHObBrzXJ4IMajor Money Milestones To Achieve in Your 40s: https://youtu.be/g1oU_X1MPMAHow To Save More in 6 Months Than Most People Do in 6 Years: https://youtu.be/IO4ZRL1B244Why The PERFECT Retirement Is Actually A Huge LIE: https://youtu.be/n-yrvwAT8poORDER MY NEW USA TODAY BESTSELLING BOOK:Building Your Money Machine: How to Get Your Money to Work Harder For You Than You Did For It!The key to building the life you desire and deserve is to build your Money Machine—a powerful system designed to generate income that's no longer tied to your work or efforts. This step-by-step guide goes beyond the general idea of personal finance and wealth creation and reveals the holistic approach to transforming your relationship with money to allow you to enjoy financial freedom and peace of mind.Part money philosophy, part money mindset, part strategy, and part tactical action, these powerful frameworks will show you how to build your money machine.When you do you'll also get over $1100 in wealth resources & bonuses for FREE! TAKE THE FINANCIAL FREEDOM QUIZ:Take this free quiz to see where you are on the path to financial freedom and what your next steps are to move you to a new financial destiny at http://www.YourFinancialFreedomQuiz.com

Click Here to Register for the LIVE Stop Overspending Masterclass happening Sunday May 18th at 1pm EST & Monday, May 19th at 7pm EST. Grab the Free Training:How to Build Wealth WITHOUT Going On A Strict Budget → Click here to watch now. Click Here to Book your Financial Clarity Consultation!Struggling to save, stuck in the debt cycle, or wondering where all your money goes? If you make good money but still feel like you're not getting ahead, let's change that. In a complimentary Financial Clarity Consultation, I'll help you identify what's keeping you stuck, show you exactly what to focus on next, and give you a clear plan to start building real wealth. During this no pressure session, we'll decide if it's a good fit to work together in order to make it happen. Click Here to book your complimentary consultation. Ready to finally Stop Overspending?Start The Stop Overspending Course today → Click here to enroll. Click Here to open an Account with Ally Bank Using My Referral Link. ...

If you've ever struggled with overspending or find yourself saying, “Next week I'll stick to my budget!” only to fall into the same spending habits—this episode is for you!For the longest time, I felt like I could crush any goal I set… except when it came to budgeting. But after hitting a breaking point, I finally found strategies that helped me stop impulse spending and *actually* honor my budget.In this episode, we chat about:Why getting clear on your “why” makes all the differenceHow I track my spending in a way that actually works for my brainThe 24-hour rule that changed my approach to shopping| MENTIONED |⋒ Get on the waitlist for the business course⋒ Get a Peacefully Productive Planner| RESOURCES |⋒ This episode's blog post⋒ Sign up for the Hustle Sanely Lifestyle course⋒ Shop planners & journals⋒ Get the free Hustle Sanely Workbook⋒ Instagram: @jessmmassey & @hustlesanely

Hiring is one of the biggest — and riskiest — expenses for any small business. In this episode of the Don't HR Alone podcast, host Rhamy Alejeal sits down with Michelle Scribner, CEO of Sum of All Numbers and Master Certified Profit First Professional, to unpack when to hire, how much to spend on labor, and how to protect your business from cash flow disasters.Whether you're thinking about your first hire or trying to scale a team, Michelle and Rhamy deliver real-world benchmarks, simple frameworks, and financial guardrails that every entrepreneur should use to build a sustainable team.What You'll Learn:✅ How to calculate whether you can afford to hire✅ The Profit First method applied to labor costs✅ How much of your budget should go to payroll (and why it's probably wrong)✅ What percentage of real revenue should be operating expenses✅ When it's OK to dip into your owner's profit to invest in staff✅ What to do if your unicorn employees are burning out

Subscriber-only episodeMany new business owners OVERSPEND when getting started. In today's episode I'm sharing 3 sneaky ways this happens & WHY many of you do this. READ MORE HERE

https://www.instagram.com/laurenlappin_In this week's episode Lauren discusses some of the most common financial mistakes that Salon Owners (of all experience levels) make, and how you can work to avoid them.You don't need to address all the potential financial mistakes in your business at the same time, just take them one a time and watch your revenue and your profitability grow ~ Lauren Lappin.8 Common Financial Mistakes that Salon Owners Make: Not having proper daily processes for handling transactions and cash. (01:30).Not optimising your Salon Calendar/Schedule, and not Block-Booking. (05:45).Not taking retail seriously enough. (10:30).Not maximising add-ons and upgrades to services. (15:30).Ignoring your reports, and running your business with blinders on. Not knowing (and understanding ) your key numbers. (18:30).Overspending on supplies and other business costs without checking for better deals and seeking out discounts from suppliers. (22:00). Undercharging and/or not increasing your prices, ever. (24:30).Not incentivising your Team to perform at their absolute best. (28:30).Rate and Review the Show in Apple: https://podcasts.apple.com/au/podcast/the-lash-business-lounge/id1609510128Rate the Show in Spotify: https://open.spotify.com/show/0xvJ8MNZM9cbjYBGcMDtb8?si=b23764e4d0ed4b59Lauren on Instagram: https://www.instagram.com/laurenlappin_Allure's Instagram: https://www.instagram.com/allure_lashbeautybar....This Episode was Recorded and Produced by Josh Liston at DeadsetPodcasting.com....This episodes theme music (Title: 'Highlander'') is from the amazing 'Scandianvianz'. Check them out on YouTube here and Subscribe to their Playlists: https://www.youtube.com/watch?v=NIGxBs8IPHM&list=PLzCxunOM5WFLOaTRCzeGrODz8TWaLrbhv&index=24

Sign up for the Free Training:How to Build Wealth WITHOUT Going On A Strict Budget → Click here to watch now.Struggling to save, stuck in the debt cycle, or wondering where all your money goes? If you make good money but still feel like you're not getting ahead, let's change that. In a complimentary Financial Clarity Consultation, I'll help you identify what's keeping you stuck, show you exactly what to focus on next, and give you a clear plan to start building real wealth. No pressure, no sales pitch—just real solutions. And if we both decide it's a good fit, I'll share how we can work together to make it happen. Click Here to book your consultation now! Ready to finally Stop Overspending?Start The Stop Overspending Course today → Click here to enroll. Click Here to open an Account with Ally Bank Using My Referral Link. Where to Find Me: Subscribe to Wealthy Wednesdays Newsletter: Get insights & updates → Click here to join. Follow Me on Instagram → @germainefoleycoaching...

Not sure if you're spending your Facebook & Instagram Ads budget the right way? In this episode, I'll break down how we allocate our budget wisely—where to invest more, where to cut back, and how to avoid common overspending mistakes. Whether you're running ads on a tight budget or scaling up, there's something for everyone in this episode! Website: https://philgrahamdigital.com

On this Salcedo Storm Podcast:Alice Linahan is a Politically-Active Texas Mom who has worked been hard at work in the trenches of grassroots conservatism. She is the purveyor of VoicesEmpower.com and is Vice President of Women on the Wall.org.

On this Salcedo Storm Podcast:Chris & guest co-host for the Show Behind the Show, Ed Henry, discuss the Democrat's meltdown, resulting in their record low approval rating. Chris also blasts lawless judges and prods the GOP to use the Constituion to remove these unconstitutional apparatchiks from the bench. 

One of the first steps on the path to financial freedom is getting your spending under control and creating a budget that has you living within your means. But determining **why** you overspend is an important part of the process if you want to stick to that budget. That's why in this episode of the podcast I talk with certified financial coach Scott Yamamura on the psychology behind overspending and how you can use it to identify your motivations and keep your spending under control. In this episode you will learn: - The Psychological Components of Overspending - The Emotional Triggers and Mental Barriers that Lead to Impulsive Financial Decisions - How Tax Season Has an Effect on Buying Decisions - How to Overcome the Psychological Barriers

In Hour 1, the WIP Midday Show discusses the amount of spending by the Eagles on their offense and debate if they are spending too much on the offense. And, some breaking news live in show as Josh Uche signs with the Eagles.

On this Salcedo Storm Podcast:Brandon Gil is the newly elected Congressman for the 26th Congressional District. He's a graduate of Dartmouth College where graduated cum laude with degrees in both Economics and History.

In this episode, Jazmyne shares her money story of how the habit of swiping her credit card led to debt, money avoidance and overspending. You will learn about how leaving a marriage and her 9-5 job to pursue her business full time brought her to a turning point where she knew she needed help with her finances.To learn more about 1:1 money coaching with Aqura ⁠⁠⁠⁠click ⁠here⁠⁠⁠⁠⁠. You will find all the details about money coaching, who it's for, what you will achieve and how to book a sales call to start working together.⁠Subscribe to ⁠⁠⁠⁠Paid & Profitable⁠⁠⁠⁠⁠, a weekly email series for small business owners who want more profit in their business and more money in their pockets. Your financial security is created from your owner's pay, subscribe and learn how to double it.Follow Aqura on Instagram ⁠⁠⁠⁠⁠@aquranicholson⁠⁠⁠⁠⁠. 

Many people consider frugality to be a Christian virtue—but is it, really?We often equate frugality with good financial stewardship, but they're not exactly the same thing. While frugality can be a wise practice, it doesn't necessarily lead to true peace or biblical financial wisdom. Let's explore the key differences and signs that frugality might be going too far.What Is Frugality?Frugality is about being careful with resources—spending less than you earn, saving money, and making economical choices. If you or someone in your household is a conscientious penny-pincher, you likely embrace frugality as a lifestyle.Frugality certainly has virtues, such as self-control and patience. Benjamin Franklin's well-known phrase, “A penny saved is a penny earned,” supports the idea that being financially cautious is a wise practice.At Faith and Finance, we encourage people to:Save for the futurePay down debtsAvoid overspendingHowever, biblical financial stewardship is much bigger than frugality.The Biblical Perspective on StewardshipFrugality alone does not guarantee peace—because, from a biblical perspective, we aren't the owners of our money or possessions. God is.Psalm 24:1 reminds us:“The earth is the Lord's, and everything in it.”Recognizing Christ's Lordship over our finances shifts the focus from simply cutting costs to honoring God with our resources.Jesus teaches in Matthew 6:19-21:“Do not lay up for yourselves treasures upon earth, where moth and rust destroy, and where thieves break in and steal. But lay up for yourselves treasures in heaven… for where your treasure is, there will your heart be also.”Frugality can help you save money on earth, but eternal rewards come from a different approach—surrendering your finances to God and using them for His purposes.Frugality is a tool, but it must be used in a way that aligns with faithful stewardship. If pursued for its own sake, it can lead to selfishness, greed, and even pride.Signs That Frugality Has Gone Too FarHow do you know when frugality has shifted from wise stewardship to financial foolishness? Here are a few red flags:1. You Spend Hours Each Week Just to Save a Few DollarsDo you spend excessive time clipping coupons, hunting for deals, or driving across town to save a few cents on gas? If frugality has become an obsession, it may be time to reassess how you're using your time.2. You Go Without Essentials Just to Save MoneyAre you skipping necessary expenses—like a bed to sleep on—just because you don't want to spend money? Being wise with money doesn't mean depriving yourself of basic needs.3. You Hoard Items Just Because They're a “Good Deal”Stocking up on necessities is fine, but filling your home with excess items (like a closet overflowing with toothpaste) may indicate a deeper issue—a lack of trust in God's provision.4. You Compromise Safety for the Sake of Saving MoneyEating expired food, skipping necessary medications, or refusing to fix important home repairs just to save a few dollars can be dangerous. Stewardship includes caring for yourself and your family, not just minimizing costs.5. Frugality Feels Like a Competition or an ObligationDo you stress out over every dollar spent? If spending any money at all causes anxiety, you may be placing too much faith in frugality rather than trusting God to provide.6. You Struggle to Be GenerousIf penny-pinching kills your generosity, that's a warning sign. Hebrews 13:16 reminds us:“Do not neglect to do good and to share what you have, for such sacrifices are pleasing to God.”True peace comes not from saving every penny but from trusting in God's provision and using money for His glory.Finding the Right BalanceEvery financial habit stems from an underlying mindset. In many cases, extreme frugality results from a lack of balance.Here's how to restore a healthy perspective on money:Use your time wisely—Clipping coupons is fine, but not if it consumes hours each week.Prioritize health and well-being—A healthy family is more valuable than a few extra dollars saved.Give generously—God calls us to share, not hoard.Trust God's provision—Money is a tool, not an idol.As Jesus teaches in Matthew 6:33:“Seek first God's kingdom and His righteousness, and all these things will be added to you.”When you put God first, true peace isn't found in penny-pinching but in faithful stewardship and reliance on Him.The Greater Purpose of StewardshipStewardship isn't just about spending wisely—it's about using God's resources for His purposes. Our finances should reflect His kingdom priorities, not just our desire to save money.Ultimately, financial stewardship isn't about how much we save—it's about trusting God, managing resources wisely, and giving generously to advance His Kingdom. If your frugality has become a burden, it's time to release it to God and find true peace in His provision.On Today's Program, Rob Answers Listener Questions:I'm trying to open a Roth IRA but getting stuck on questions about adding margin, options trading, and enabling advanced trading features. I don't have a 401(k) or pension, but my house is paid off. How can I open a simple Roth IRA without those extra features?I want to buy a brand-new vehicle for my sister and give her either $20,000 or $30,000 to do so. I would like to know if she has to report this gift on her taxes or if I have to report it on my taxes.My mother and uncle recently sold their property in Oklahoma. The paperwork shows that the sale proceeds were distributed to people who are not family members. I'm concerned the property may have been stolen, or the sale mishandled. How can I investigate to see if the funds that should have gone to me and my deceased brother were taken inappropriately?I would like to know when it would be a good investment to upgrade or remodel my home. If the improvements cost around 25% of my retirement investment, would that be a wise use of that money? I would also like to know if investing 25% in the home is a good idea since it could increase its value.Resources Mentioned:Faithful Steward: FaithFi's New Quarterly MagazineSchwab Intelligent PortfoliosWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look 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) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

So, you want your audience to see you as a pro? Good news: it's not about having the latest gear. It's about knowing when to upgrade and how to maximize what you've got. Home studio expert Junaid Ahmed is back to share his simple, no-BS advice on building a home studio setup that grows with you. We're breaking down when to invest in new gear, when to hold off, and the small tweaks that make a big difference in your sound—without blowing your budget.If you think better gear is the key to earning authority in podcasting, this episode will change your mind. Hit play and let's dive in.1:02 - What Actually Makes You Look Like a Pro (Hint: It's Not Your Gear)3:20 - The First Step to a Studio Setup That Grows With You5:42 - When to Invest in New Gear (and When to Save Your Money)10:11 - Quick Fixes for Pro-Level Sound on Any Budget14:20 - How to Upgrade Your Gear Without Breaking the Bank Episode Links:Check out Junaid Ahmed's Podcast: Hacks to HobbiesBook Your Free Home Studio Audit with Junaid: HomeStudioMastery.comBuy, sell or trade used video gear:mpb.com keh.com Other Episodes You'll Enjoy:The Secret to a Home Studio That Elevates Your Authority → This episode was recorded on the Deity VO-7USupport the showLiked this episode? Share it with a fellow podcaster! Love this show? Say thanks by leaving a positive review.Register for Courtney's Free Podcasting Workshop: How to 10x Your Business with a Podcast in 2025NEW! Schedule a 1:1 Podcasting Audit w/ Courtney (60-min paid session). Curious about PodLaunch®? Book a Free Discovery Call to see if our podcasting mentorship is the right fit for your business. Connect with Courtney: Linked In | Instagram | PodLaunch HQ ©Ⓟ 2018–2025 by Courtney Elmer. All Rights Reserved.

Don't Overspend at Disney! Find us on Youtube - please like and subscribe!  Looking to plan a Disney World or Disneyland vacation? Let Joe do all the hard work for you, helping you get the best discount, at no cost to you as your travel agent. Get started by e-mailing josephcheung@travelmation.net today!  Episode Description It's no secret that Walt Disney World vacations are expensive, but did you know there are things many guests pay for that they could probably skip? In today's episode, we discuss items you should avoid overspending on at Walt Disney World - but if you really want these things, we discuss ways you can get them for less. We share some ideas to help you get the best value for your dollar and hopefully save you some stress in the process! What do you overspend on at Walt Disney World? Let us know by e-mailing disneydeciphered AT gmail DOT com, messaging us on social media, or leaving a comment on our Youtube page. You can also follow us on Instagram! Episode Notes (all timestamps are approximate) 4:39 - Don't overspend on photos 9:39 - Don't overspend on tickets 12:59 - Don't overspend on hotels 17:20 - Don't overspend on dining plan 21:44 - Don't overspend on fireworks 26:40 - Don't get nickeled and dimed! 29:58 - Disney dos and don'ts If we've helped you to plan your trip and you'd like to thank us we'd appreciate you considering a one time donation. Or if you'd like to receive bonus content, check out our Patreon page and our special subscriber only content! You can also support the show by buying tickets (if they're the best deal, of course) using our Undercover Tourist link or signing up for Mouse Dining through our link. If you like what you hear, please share and subscribe! Find us on Apple Podcasts, Spotify, TuneIn, PlayerFM, iHeartRadio, or Google Podcasts (please leave a positive review if you're enjoying the show), like our Facebook page, or follow us on Twitter and Instagram! Connect with Leslie @TripsWithTykes on social media and Joe @asthejoeflies.