Podcasts about overpaying

Most business owners set up an LLC and think they're done—but the wrong tax structure could be draining $15,000 to $30,000 a year from your profits. In this episode, Tiffany Phillips explains how sole proprietorships, S-Corps, and C-Corps really work, and how each impacts your taxes. You'll learn how to legally pay less, avoid self-employment tax traps, and make smarter business structure decisions that protect both your assets and your wallet. If you've ever been confused about LLCs versus S-Corporations, or why your CPA hasn't mentioned changing your election, this episode will make it crystal clear.   Next Steps:

In this episode of the Nifty Thrifty Dentists Podcast, Dr. Glenn Vo welcomes back Jay Glazer, Director of Business Development at Crazy Dental - the company that makes sure dentists NEVER overpay for supplies again. If you've ever wondered whether your supplier is giving you their best price… Jay's here to tell you the truth. Crazy Dental checks every authorized competitor's pricing and beats it, without buying clubs, without contracts, and without games. Whether you're using Shine, Benco, Patterson, or any distributor, Crazy Dental will beat their invoice. Just send a full order (around $1,000+) and they'll send back better pricing - simple, fast, transparent.

Bob Moats and Mike Wiemuth break down how player compensation is forcing coaches and programs to think like Billy Beane, analyzing roster construction through the lens of buying wins instead of just buying players.IU's Hot Start & The Omar Cooper ParallelThe guys open celebrating IU's 4-0 start under Darian DeVries while drawing parallels between miracle plays in football and basketball. Finding ways to win isn't just about spectacular moments—it's about putting yourself in position through smart aggregation of talent and data.• Omar Cooper's impossible catch as a "games of inches" lesson• IU rising in metrics by beating predictors• Conerway's passing, Wilkerson's elite shooting on display• Penn State fans still bewildered in grocery storesThe Moneyball Framework for College BasketballMike and Bob lay out how the classic "Moneyball" approach translates to today's NIL-driven college basketball landscape, where buying wins through buying points is the new reality.• The key quote: "Your goal shouldn't be to buy players. Your goal should be to buy wins."• One-seed teams need roughly 540+ point margin over opponents for the season• Box Plus Minus (BPM) as the "on-base percentage" of basketball• IU's last 500+ point variance seasons: 2013, 1993, 1992, 1990Finding Undervalued TalentThe hosts identify the statistical thresholds and player types that offer the best return on investment in the portal and recruiting landscape.• Players with 5.0+ BPM at mid-majors show "stickiness" when jumping to Power Five• Elite one-seed starters average 8.7 BPM (roughly Yogi Ferrell level or better)• 85% of one-seed starters have 6.0+ BPM• The "Lance Jones bump" - finding best player on mediocre team who can elevate• Target the Mountain West, A-10, and top mid-majors for 5+ BPM playersThe Money Problem: Who's Overpaying?Bob and Mike examine which programs are spending wisely versus which are trapped by their own wealth, using real scenarios to show how compensation complicates roster building.• Example: $3M five-star with 3.0 BPM vs. $1.7M A-10 POY with 6.8 BPM• The "hammer looking for nails" problem when you have too much money• Ohio State's Anthony Thompson situation: Overspend or necessary premium?• Why 50% of one-seed starters now come from the portal• BYU reportedly paying AJ Dybantsa $5-7M - only 3-5 schools can competeThe New Three-Dimensional RealityThe compensation era adds a third dimension to roster construction that constrains even wealthy programs and creates new strategic challenges.• Pre-NIL: Two-dimensional (program fit + player development)• Post-NIL: Three-dimensional (add budget constraints)• Top NIL programs creating their own pressure traps• Market correction concerns: "Is that guy still worth $7M after a 25% correction?"• Underground economy going public usually lowers prices—this did the oppositeComing up: A rivalry show with Everything College Basketball's Josh and Peyton Burton (UK and UL fans), plus an extended film room session with Tony Adragna and Brian Tonsoni breaking down DeVries' system.This episode brought to you by the Back Home Network and Homefield Apparel.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Most business owners think their CPA is helping them save money, but what if they're only handling compliance — not strategy? In this episode, Tiffany breaks down the real difference between tax preparation and proactive tax planning, and why that gap could be costing you tens of thousands every year. You'll learn how to tell whether your accountant is helping you grow wealth or just file forms, plus the questions to ask before another tax season passes you by. Tiffany also shares real stories of clients who cut their tax bills by $30,000–$80,000 using strategies most CPAs never mention. If you want to stop reacting at tax time and start keeping more of what you earn, this one's a must-listen.   Next Steps:

Everyone is talking about 50-year mortgages right now.Half the takes are fear, the other half are nonsense.Because a 50-year mortgage can be the smartest move you make……or the biggest financial trap of your life.In this episode, I break down what changes homeowners can expect, what investors need to pay attention to, and the one metric that matters more than the mortgage term itself.While everyone is arguing about mortgages and interest costs… House flippers are already losing THOUSANDS of dollars every year.How? Overpaying taxes to the IRS.Most people don't even realize just how much money they're leaving on the table.So on November 20th, my friend Bill Allen decided to host a “tax strategy” call.It's normally only offered in our 7 Figure Flipping Mastermind community.But he's opening the doors to you for the first year ever.Book Your Spot for Free Tax Strategy Call>>>Catch you later!LINKS & RESOURCES1,000 FREE Seller LeadsGet your first 1,000 seller leads FREE from our partner BatchLeads and start closing deals immediately. CLICK HERE: http://leads.getbatch.co/mztQkMr7 Figure Flipping UndergroundIf you want to learn how to make money flipping and wholesaling houses without risking your life savings or "working weekends" forever... this book is for YOU. It'll take you from "complete beginner" to closing your first deal or even your next 10 deals without the bumps and bruises most people pick up along the way. If you've never flipped a house before, you'll find step-by-step instructions on everything you need to know to get started. If you're already flipping or wholesaling houses, you'll find fast-track secrets that will cut years off your learning curve and let you streamline your operations, maximize profit, do MORE deals, and work LESS. CLICK HERE: https://hubs.ly/Q01ggDSh0 7 Figure RunwayFollow a proven 5-step formula to create consistent monthly income flipping and wholesaling houses, then turn your active income into passive cash flow and create a life of freedom. 7 Figure Runway is an intensive, nothing-held-back mentoring group for real estate investors who want to build a "scalable" business and start "stacking" assets to build long-term wealth. Get off-market deal sourcing strategies that work, plus 100% purchase and renovation financing through our built-in funding partners, a community of active investors who will support and encourage you, weekly accountability sessions to keep you on track, 1-on-1 coaching, and more. CLICK HERE: https://hubs.ly/Q01ggDLL0 7 Figure Real Estate Ready RoomUse this proven blueprint to launch and grow your real estate investing business. Step-by-step video course takes you through everything you need to know… and we'll jump on WEEKLY workshops to break down each step with you LIVE! Think of it like getting a master's degree in tactical real estate investing for a fraction of the cost. CLICK HERE: https://7figureflipping.com/ready Connect with us on Facebook and Instagram: @7figureflipping Hosted on Acast. See acast.com/privacy for more information.

It's the end of the year, and while most business owners are planning holidays, smart entrepreneurs are planning tax savings. In this episode, we talk about how to avoid the costly mistakes that leave most owners overpaying the IRS by tens of thousands. You'll learn the difference between a CPA who files taxes and one who strategically saves you money. We'll cover real tax strategies that help female entrepreneurs take control of their finances, make smarter money decisions, and keep more of what they earn. If your CPA isn't talking about year-end planning, you're leaving cash on the table. This is your wake-up call to fix it before it's too late. Listen now to discover how to finish the year strong — and set up massive tax savings for 2025.   Next Steps:

The Chartered Trading Standards Institute is warning people to keep a close eye on their bank and credit card accounts after thousands of unsuspecting shoppers have said they're having money taken without their knowledge. Individual payments are usually quite low, but if not spotted, they can quickly start to add up. Trading Standards say it's "outrageous" these payments are being taken without explicit consent. How can you spot and stop these payments?Two thirds of first time buyers are overpaying their mortgage and one in six hope to be mortgage free by the time they're 40 according to a report from TSB. Is it the same for other mortgage holders and what should you think about if you're considering overpaying on your mortgage?More than half of adults in the UK do not have a will. So if they die they will have no say in how their money, property, and possessions are distributed. WillAid, where solicitors all over the UK make free wills and suggest a donation to charity in exchange. How does it all work and what happens if someone dies without a will?Presenter: Paul Lewis Reporter: Dan Whitworth Researchers: Eimear Devlin and Jo Krasner Producers: Robert Cave Editor: Jess Quayle Senior News Editor: Sara Wadeson(First broadcast at 12pm on Saturday 18th October 2025)

If you've ever said, “Sorry to bother you” or “I think maybe…,” this episode is your wake-up call. We're breaking down how language shapes your confidence, your authority, and even your bottom line. You'll learn practical, real-world communication strategies used by the top 1% of entrepreneurs — the ones who speak with power, make decisive money decisions, and stop apologizing for success. Host Tiffany Phillips shares powerful examples of how women and entrepreneurs can shift from playing small to leading with confidence. You'll hear real talk on business strategy, money mindset, and why confident communication is your most profitable skill. If you're ready to stop shrinking and start earning like a leader, hit play — your voice (and your bank account) will thank you.   Next Steps:

The conversation focuses on tax strategies for property owners, particularly emphasizing the importance of bonus depreciation and its applicability to various types of real estate investments.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true 'white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a "mini-mastermind" with Mike and his private clients on an upcoming "Retreat", either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas "Big H Ranch"? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

In this episode of the Real Estate Pros podcast, host Q Edmonds speaks with tax strategist William Spar about his unique perspective on taxes and real estate. William shares his journey from commercial real estate to tax strategy, emphasizing the importance of integrity and relationships in business. He discusses key strategies for tax preparation and the significance of networking. The conversation also touches on the challenges of balancing friendships and business, the importance of being present in conversations, and the value of humor in serious discussions about taxes. William offers insightful advice on personal and professional growth, encouraging listeners to be kind and open to others.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true 'white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a "mini-mastermind" with Mike and his private clients on an upcoming "Retreat", either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas "Big H Ranch"? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

Most small businesses don't fail because of bad products or poor marketing—they fail because owners don't understand their numbers. In this episode, Tiffany breaks down the real reason nine out of ten businesses crash and what you can do to avoid becoming one of them. You'll learn how to read your income statement, balance sheet, and cash flow statement without the CPA jargon. We'll cover the difference between revenue and profit, why cash flow matters more than sales, and how simple money decisions can change everything. Whether you're new to business or scaling fast, this episode will help you make smarter financial choices and build real wealth. Don't just work harder—get smarter with your money. Hit play now.   Next Steps:

(Disclaimer: Click 'more' to see ad disclosure) Geobreeze Travel is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as MileValue.com. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.  ➤ Free points 101 course (includes hotel upgrade email template)https://geobreezetravel.com/freecourse  ➤ Free credit card consultations https://airtable.com/apparEqFGYkas0LHl/shrYFpUr2zutt5515 ➤ Seats.Aero: https://geobreezetravel.com/seatsaero ➤ Request a free personalized award search tutorial: https://go.geobreezetravel.com/ast-form If you are interested in supporting this show when you apply for your next card, check out https://geobreezetravel.com/cards and if you're not sure what card is right for you, I offer free credit card consultations athttps://geobreezetravel.com/consultations!Timestamps:00:00 Introduction to Overpaying for Flights00:16 Meet Zach: Travel and Aviation Expert01:22 Dynamic Pricing: The Good and the Bad03:08 Maximizing Points and Miles06:33 Short Haul Economy Flights: Hidden Value14:11 Strategies for Upgrading Flights16:40 Autopilot Tool: Save on Flights and Upgrades19:27 Demo: Using Autopilot for Flight Upgrades24:27 Conclusion and Contact InformationYou can find Julia at: ➤ Free course: https://julia-s-school-9209.thinkific.com/courses/your-first-points-redemption➤ Website: https://geobreezetravel.com/➤ Instagram: https://www.instagram.com/geobreezetravel/➤ Credit card links: https://www.geobreezetravel.com/cards➤ Patreon: https://www.patreon.com/geobreezetravelYou can find Zach at:➤ Instagram: https://www.instagram.com/_zachgriff/ 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. The content of this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.

Big changes are coming—and the clock is ticking. In this episode, we break down the One Big Beautiful Bill and how it will reshape taxes for every business owner starting in 2026. You'll learn what's changing with tax brackets, deductions, HSAs, and the SALT cap, plus how to use these updates to your advantage before it's too late. Host Tiffany Phillips explains how smart tax strategies and early planning can mean the difference between saving thousands or losing them. This isn't just another round of tax adjustments—it's your chance to get ahead while most CPAs are still catching up. Listen now to learn exactly what to do before 2026 hits.   Next Steps:

Think you're writing off everything you can? Think again. In this episode, we're exposing the bad tax tips spreading across social media and showing you the real deductions that actually work. You'll learn the 15 biggest write-offs most business owners miss — from the QBI deduction to depreciation, home office expenses, and vehicle write-offs. These are legit, IRS-approved tax strategies that can save you thousands every year. Host Tiffany Phillips breaks down what your CPA isn't telling you and how to protect yourself from bad finance advice. If you're ready to legally cut your tax bill, keep more money in your pocket, and finally understand the rules, this episode is your roadmap. Listen now and start saving before tax season hits.   Next Steps:

What if you could cut your tax bill by $30,000 this year—without making a penny less? In this episode, we break down seven powerful, IRS-approved investments that do double duty: building wealth while legally reducing your taxes. Learn how retirement accounts, real estate, and smart business strategies can turn your biggest expense into your biggest opportunity. Host Tiffany shares real stories from clients who've used these strategies to save thousands, plus actionable steps to start today. Whether you're a small business owner, investor, or just tired of overpaying the IRS, this episode gives you practical tax tips and finance advice you can use right now. Because it's not what you make—it's what you keep. Listen now and start saving smarter.   Next Steps:

Welcome back to the Rundown with Jake and Nate!! All of our digital assets 30% off with the code 'RUNDOWN': https://runawayvows.myshopify.com/To submit an anonymous story for our next episode, do so here:https://shor.by/podcastsubmission • Our Course Library: https://go.runawayvows.com/course• Check out our Digital Assets: https://runawayvows.myshopify.com/• Shop our LUT Pack: https://gamut.io/product/prestige/?gamut=runawayvowsUse code RUNAWAY for 15% off• Get our Thru the Lens Course: https://www.thruthelens.io/Follow us on instagram: https://www.instagram.com/runawayvows/Follow our Education: https://www.instagram.com/runawayacademy/Join our Facebook Community: https://www.facebook.com/groups/runawayweddings/Follow Jake: https://www.instagram.com/jakeweislerfilms/Follow Nate: https://www.instagram.com/nateahanfilm/

Five smart ways to keep more money in your pocket this tax season.In this live webinar, Matt Harris and Andrew Higgs uncover the most overlooked tax hacks for property investors - from claiming chattels depreciation and home office expenses to restructuring debt, maximising travel deductions, and ensuring your accounting structures work in your favour.Next steps: Ready to uncover what deductions you've been missing? Book a free 30-minute consultation with one of our accountants to see how much more you could be saving this year.For more money tips follow us on:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Facebook⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.

Developing strong financial habits starts with understanding how you interact with money—both consciously and unconsciously. To truly make the most of what you earn, you need to uncover the hidden patterns in your spending and recognize where money might be slipping away. So, what everyday habits could be quietly draining your wallet without you even realizing it?   Links: Want lower interest rates? Contact Triangle Credit Union for more information on debt consolidation options Keep better track of your expenses with our Money Management tool within online banking Check out TCU University for financial education tips and resources! Follow us on Facebook, Instagram and Twitter! Learn more about Triangle Credit Union   Transcript: Welcome to Money Tip Tuesday from the Making Money Personal podcast.   In order for us to live financially free lives, we need to take charge of ALL the ways we spend money. Part of taking charge involves recognizing all the productive and unproductive ways we're spending our money.   Last week we covered five sneaky ways our habits can drain our wallets and this week I'm going to present five more for you to be aware of.  Exorbitantly High Interest Loans High-interest loans—like payday loans, certain credit cards, or quick cash advances—can trap you in a relentless cycle of debt. What starts as a short-term fix often turns into long-term financial strain, with interest piling up faster than you can pay it down. These types of loans are especially risky in tough economic times, when borrowing may feel like the only option. Unfortunately, the high rates make it difficult to catch up, and the stress of mounting debt can affect your overall financial health.  If you recently discovered you're paying a lot of money towards high-interest debt, explore alternatives like refinancing, balance transfers to lower-interest cards, or consolidating debt through a reputable lender. If you're unsure where to start, speaking with a financial advisor or nonprofit credit counselor can help you find safer, more sustainable solutions.   Overspending on Convenience Services Food delivery, express shipping, and pre-packaged items are all about ease—but that convenience comes at a cost. Whether it's the markup on restaurant meals, the extra fees for rush shipping, or the premium price of ready-made products, these small expenses can quietly snowball into a major budget drain. It's tempting to lean on these services when life gets busy, but using them regularly can eat into your finances more than you might expect. In today's economy, where every dollar matters, convenience should be a conscious choice—not a default habit.   Plan ahead to reduce reliance on convenience services. Cooking at home, batching errands, or choosing standard shipping instead of express can lead to meaningful savings without sacrificing too much comfort.  Lifestyle Inflation As income grows, spending often grows right along with it—a phenomenon known as lifestyle inflation. It's easy to justify upgrades like a nicer car, more frequent dining out, or luxury gadgets when you're earning more, but these habits rarely improve long-term financial security. In fact, they can quietly prevent you from building savings, investing, or reaching bigger financial goals. Without a plan, higher income can lead to higher expenses and little progress.   Keep your lifestyle modest even as your earnings rise. Automate savings so a portion of your income goes directly into a savings or investment account, and set clear financial goals to stay focused. That way, you can enjoy your success without letting it slip through your fingers.  Buying Low-Quality Items That Need Frequent Replacement Cheap products may seem like a bargain at first glance, but poor quality often leads to more frequent replacements—costing you more over time. Whether it's clothing that wears out after a few washes, electronics that break down quickly, or furniture that doesn't hold up, these purchases can become a cycle of spending that feels never-ending. In the long run, constantly replacing low-quality items can drain your budget and leave you frustrated. Plus, the environmental impact of disposable goods adds another layer of cost that's easy to overlook.  Invest in durable, well-reviewed items when possible. While the upfront cost may be higher, quality purchases tend to last longer, perform better, and offer greater value—saving you money and hassle down the road. Overpaying for Expensive Brand Names Premium brands often charge significantly more for products that offer similar quality to generic or store-brand alternatives. While the packaging and marketing may be more polished, the actual performance or ingredients are often nearly identical. In many cases, you're paying extra for the name, not the value. This is especially true with household goods, groceries, and personal care items, where brand loyalty can overshadow smart spending. Over time, these brand-based purchases can quietly inflate your expenses without delivering better results.  Take a moment to compare ingredients, reviews, and performance before buying. You might be surprised to find that a lower-cost alternative works just as well—or even better—than the name-brand version.  Being mindful of these habits doesn't mean you have to live ultra-frugally or give up the things you enjoy. It's about making smarter choices that align with your financial goals. A few small changes can lead to big savings—and a lot less stress when you check your bank account.  That concludes this week's list of five more sneaky habits that can drain your wallet. If you didn't catch the first five, check out last week's Money Tip for the rest of the list.  If there are any other tips or topics you'd like us to cover, let us know at tcupodcast@trianglecu.org and don't forget to like and follow our Making Money Personal FB page and look for Triangle on Instagram and LinkedIn to share your thoughts.  Thanks for listening to today's Money Tip Tuesday. Check out our other tips and episodes on the Making Money Personal podcast.   Have a great day! 

Today we're talking about something many real estate owners and operators never really dig into—the true cost of their janitorial services contract. When you get that monthly invoice from your cleaning contractor, you probably see one lump sum, but hidden inside that number is not just the cost of labor, but also the cleaning products—paper, liners, chemicals—and here's the kicker: those products are often marked up, sometimes significantly. So the question is, are you paying more than you should for the basics that keep your buildings running? And if so, what can you do about it? In this episode, we'll uncover how unbundling your janitorial supplies from your service contract can save you money, improve transparency, and give you more control. Joining me today is Maura Wilson, Senior Regional Director at OMNIA Partners. Maura helps property teams standardize specs, unbundle inflated supply costs, and leverage national pricing without sacrificing quality. She'll walk us through exactly how to turn hidden markups into real margin. Find knowledge for the dynamic world of real estate management at irem.org.

Most business owners are wasting thousands of dollars every year because they're set up under the wrong business structure. In this episode, we cut through the noise and show you the real truth about LLCs and S Corps. You'll learn when an S Corp actually saves you money—and when it backfires. We'll break down the math, explain how self-employment tax works, and share smart strategies that could mean thousands in tax savings. You'll also discover the hidden costs of switching too soon and how to know your true break-even point. If you've ever asked, “Should I become an S Corp?” this episode gives you the clear, direct answer. Don't let bad cpa advice or generic tax tips cost you thousands. Tune in now to learn how to make smarter money decisions and keep more of what you earn.   Next Steps:

Tired of watching cash flow slip through the cracks and flips turn into tuition? We dig into the operator's playbook: how to stabilize rentals faster, build a right-sized property management team, and lean into new construction where execution is cleaner and margins are clearer. Then we tackle the classic dilemma: build your own property management team or hire third-party? You'll hear the real cost stack at 100+ doors, where the scaling ceiling hits, and how to split field work, admin, leasing, and maintenance coordination without burning out or overpaying.If you've wondered why some buyers are still overpaying for as-is homes, we share actual offers, ARV guardrails, and the price of wishful thinking. We talk novation-style options, when flips still make sense, and why we're passing on thin spreads that don't pay for risk. 

Have you ever picked up a bottle, paid top dollar for it, got it home and MEH. Or you buy it, get in the truck and have instant regret. We talk all about that and get a couple of listener write ins. Hope this episode is enjoyable.Thewhiskeyshaman.comPatreon.com/the_whiskeyshamanBadmotivatorbarrels.com/shop/?aff=3https://www.instagram.com/zsmithwhiskeyandmixology?utm_source=ig_web_button_share_sheet&igsh=ZDNlZDc0MzIxNw==Whiskey buying remorse is a specific type of buyer's remorse, which is the feeling of regret, anxiety, or guilt that occurs after making a purchase. In the context of whiskey, this feeling is triggered by a variety of factors related to the characteristics of a bottle, the price, and the purchasing experience. Common reasons for whiskey buying remorseDidn't meet expectations: This is a major cause of regret for whiskey drinkers. You may have bought a bottle that had received glowing reviews, but once you try it, the flavor profile doesn't live up to the hype.Overpaying for a bottle: With the high demand for certain whiskies, prices can become inflated. Remorse often sets in when a drinker feels they paid a premium for a bottle that doesn't offer a quality-to-price ratio that they can justify.Buying on a whim: An impulse purchase can lead to regret, especially when you haven't had a chance to taste the whiskey beforehand. This is a riskier strategy than sticking to a tried-and-true favorite or a bottle you've previously sampled.Discovering it's not a good fit: Some whiskies, despite being well-regarded, may not suit your personal taste. You may find you simply don't enjoy the flavor profile, leaving you with a bottle you struggle to finish.Hoarding instead of drinking: Some collectors experience remorse when they realize they're accumulating bottles without enjoying them. The point of buying whiskey is to drink it, and if it becomes just another museum piece, the purchase can feel pointless. Whisk(e)y purchases that you regret? : r/whiskey - RedditApr 14, 2021 — Anyone who doesn't have a strict, “Don't buy it unless you've tried it.” rule probably has at least one regret. I know...RedditExpensive bourbons for sale: Some rare bottles aren't worth ...Jul 8, 2019 — I've never been good at science, and despite an abundance of education on all things whiskey, I can't tell you what mak...The Courier-Journal·Dana McMahanHow to avoid whiskey buying remorseTaste before you buy: This is the most effective way to prevent remorse. If you can, try a sample at a bar or with a friend before committing to a full bottle.Research thoroughly: Before making a purchase, especially a costly one, read a variety of reviews and opinions from different sources. Don't rely on just one person's assessment.Set a budget: Establish a spending limit and stick to it. This can prevent the regret that comes with overspending on an expensive bottle.Identify your triggers: Pay attention to what makes you make impulsive purchases, such as a flashy marketing campaign or an enticing sale. Recognize these triggers and avoid them.Ask for help: If you're unsure, ask knowledgeable staff at a liquor store for a recommendation based on your preferences. Working with an expert can help guide you toward a satisfying choice. In addition to not meeting expectations, overpaying, or buying on a whim, people experience whiskey buying remorse for other reasons related to taste, collector pressure, and disappointment with specific characteristics. Disappointment with the tasteUnpleasant or off-tasting flavor: Sometimes a whiskey has a genuinely bad or unpleasant taste that makes it difficult to drink. This can include flavors that taste "medicinal" or "funky".Too much oak influence: While age is often associated with quality, older whiskeys can sometimes have an overpowering "woody" or oak flavor that masks other notes.

971. Laura answers a listener's question about filing her first tax return correctly and without overpaying taxes.Find a transcript here. Have a money question? Send an email to money@quickanddirtytips.com or leave a voicemail at (302) 364-0308.Find Money Girl on Facebook and Twitter, or subscribe to the newsletter for more personal finance tips.Money Girl is a part of Quick and Dirty Tips.Links:https://www.quickanddirtytips.com/https://www.quickanddirtytips.com/money-girl-newsletterhttps://www.facebook.com/MoneyGirlQDT Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Most CPAs play it safe. That's costing you money. In this episode, you'll learn the truth about vehicle write-offs and how smart business owners use them to save tens of thousands in taxes every year. We break down the two IRS-approved methods, show you why one works better, and reveal the “heavy vehicle strategy” that could change the way you buy your next car or truck. You'll also learn how to stay audit-proof with simple documentation and why timing matters more than you think. If you're tired of outdated advice and want real tax savings strategies, this is the episode for you. Listen now and discover how to keep more of your hard-earned money with smart tax planning.   Next Steps:

Starting an IBC policy when everything feels worst? That's exactly how Nelson Nash discovered Infinite Banking, when bank rates hit 23% and leverage turned on him. Here's what he did, why it worked, and how to avoid the same traps.

Are you playing it too safe with your money? Some experts say debt is dangerous, others call it the secret to wealth. In this episode, we cut through the noise and reveal the real difference between debt and leverage. You'll learn when borrowing can fuel growth, when it's financial suicide, and how the 2025 tax law changes could actually reward you for using debt the right way. We'll break down smart strategies for business finance, from new tax tips to practical savings strategies most CPAs won't share. Whether you're expanding your business, investing in equipment, or planning for tax reduction, you'll walk away with clear steps to maximize income and minimize taxes. Don't let outdated advice keep you stuck—this episode will change the way you think about money.

Are you leaving thousands of dollars on the table? Most business owners are. In this episode, Tiffany Phillips shares how smart tax planning can turn travel into legitimate business deductions. Forget the old advice that says, “Don't risk it.” Wealthy entrepreneurs have been using these strategies for decades—and you can too. You'll learn the Four Pillars of audit-proof business travel, how to avoid costly mistakes, and real stories from business owners who saved big with proper documentation. Tiffany breaks down what you can write off, what you can't, and how to structure trips so they pass IRS rules. This isn't about loopholes—it's about knowing the tax strategies already built into the law. If you're ready to stop overpaying and start keeping more of what you earn, this episode is for you. Tune in now and discover how to make your next trip a smart business move.   Next Steps:

Are you paying more in taxes than you should? Chances are, yes. Most business owners are losing thousands every year because their CPA only files returns instead of creating a smart tax strategy. In this episode, you'll learn five powerful tax strategies every LLC owner should know—ones that could legally save you $15,000 or more. From startup cost deductions and home office write-offs to vehicle expenses, marketing deductions, and the S-Corp election, we're breaking down exactly how to keep more of your hard-earned money. You'll discover why tax planning isn't just for the wealthy, and how simple steps can create immediate savings for your business. Stop leaving money on the table. Listen now to uncover the tax secrets your CPA isn't sharing—and start taking control of your business finances today.   Next Steps:

Most people think earning more money will make them rich. But here's the truth: high income doesn't equal wealth. In this episode, Tiffany Phillips reveals the middle-class money trap that keeps business owners stuck—and how to break free. You'll learn the real difference between assets and liabilities, why wealthy people use good debt instead of avoiding it, and how to build multiple streams of income that keep paying you—whether you work or not. We'll cover how to shift from paycheck dependency to paycheck independence with smart strategies, so you can build financial security and freedom. If you've ever wondered why you still feel broke even with a steady income, this episode will change how you think about money forever. Tune in now and start building real wealth instead of just looking rich.   Next Steps:

Most people make good money but still feel broke. Why? Because they use the wrong system to manage it. In this episode of Rich Rules, Tiffany Phillips shares the bucket system—the simple way millionaires organize every dollar. You'll learn why the “one bucket” approach fails, how to set up five separate accounts for necessities, savings, investments, learning, and fun, and how automation makes the system run without effort. This is real finance advice you can put into action today. By the end, you'll know how to stop living paycheck to paycheck, avoid money chaos, and finally take control of your financial mindset. Don't wait for more income—this works no matter where you're starting. Tune in now to learn the exact steps and start building lasting wealth.   Next Steps:

Most people believe wealth is about how much you make. The truth? It's about how you think about money. In this episode, Tiffany Phillips shares the Rich Rules wealthy people live by—mindset shifts that change everything about your financial future. You'll learn why a paycheck is the biggest trap, how to use money for more than just spending and saving, and why habits matter more than income. These aren't complicated tax strategies or risky schemes—they're simple finance advice you can start using today. If you're ready to move beyond survival mode and start building lasting wealth, this episode is your blueprint. Don't wait—your financial mindset may be the difference between freedom and struggle. Listen now and start rewriting your money story.   Next Steps:

The clock is ticking. In this episode of the December Dash series, Tiffany Phillips reveals the final year-end tax strategies that separate wealthy business owners from everyone else. Discover how solo 401(k)s, Health Savings Accounts, Roth conversions, charitable giving, and defined benefit plans can slash your tax bill and build lasting wealth. These aren't just tax tips—they're smart strategies with a hard December 31st deadline. If you miss it, the opportunity is gone. Learn how to avoid costly mistakes, maximize income, and make money decisions that build financial freedom. Whether you're a small business owner, female entrepreneur, or simply looking for smart tax planning, this episode will change the way you think about your financial future. Don't wait until it's too late—tune in now and secure your tax savings before the year ends.   Next Steps:

Most business owners think making more money is the key to building wealth. The truth? It's keeping more of what you earn. In this episode, Tiffany Phillips shares powerful tax strategies that wealthy entrepreneurs use to slash tax bills and grow long-term wealth. You'll learn how to use rental property, cost segregation, 1031 exchanges, and capital loss harvesting to unlock major tax savings before December 31. She also explains how high-income earners use oil and gas deductions to cut taxes fast. Every strategy is time-sensitive, and waiting even a week could cost you thousands. This isn't theory—these are proven strategies that save business owners real money every year. Don't let the IRS take more than their share. Hit play now and discover how to protect your income, make smarter money decisions, and set yourself up for lasting wealth.   Next Steps:

Trying to save money on grooming? Whether you've got a dog or a cat, this episode will help you figure out what you can safely and confidently do at home, and what's better left to the professionals so you can stop overpaying for grooming. Amy talks with Liz Hampton, Director of Grooming and Education at Fluffology, who brings more than 30 years of experience as a National Certified Master Groomer. Liz shares how pet parents can make smart grooming decisions that keep pets comfortable, healthy, and stress-free - without spending a fortune.Together, they break down where you can save $ by DIY grooming, the mistakes that can end up costing more in the long run, and the tools and habits that make home grooming easier and safer for both dogs and cats.BY THE TIME YOU FINISH LISTENING, YOU'LL DISCOVER: • Why grooming is about more than looks and how it impacts your pet's health        • Which dog and cat grooming tasks are safe and best to handle at home • When professional grooming is worth the investment • Tools and techniques that make at-home grooming less stressful • How to save money without sacrificing your pet's comfort or safetyWhether you're trimming nails, brushing out mats, or stretching time between visits to the groomer, you'll walk away with practical steps to build a grooming routine that fits your lifestyle and your pet's needs.CONNECT WITH LIZ HAMPTON Fluffology | [Website: https://fluffology.com/] | [Instagram: @fluffology_la]OTHER LINKS MENTIONED IN THIS EPISODE: Pet Parent Hotline Insiders Group: facebook.com/groups/thepetparenthotlineinsidersSupport the showLove the show? Please share it with a pet parent living with chaos, and don't forget to leave a 5-star review so more people can get the pet parent advice they need. Get our free Vet Bill Survival Kit Please support the show!Follow:

Time is running out, and the IRS won't wait. In this episode, Tiffany Phillips, CPA and tax strategist, breaks down five powerful tax strategies you must act on before December 31. These aren't generic tax tips — they're real moves that can save you tens of thousands. You'll learn how a retroactive S-Corp election can cut self-employment taxes, how bonus depreciation turns business equipment into big deductions, and why paying family members through your business is a legal tax savings strategy. We'll also cover estimated payments to avoid penalties and how to prepay expenses for instant relief. This is practical, clear finance advice for business owners who want to keep more of their money. If you're ready to stop handing cash to the IRS, this episode is your wake-up call. Listen now — because once January 1 hits, these opportunities are gone.   Next Steps:

Want to work directly with me to close more deals? Go Here: https://www.titaniumu.comWant the Closer's Formula sales process I've used to close 2,000+ deals (FREE) Go Here: https://www.kingclosersformula.com/closeIf you're new to my channel my name is RJ Bates III. Myself and my partner Cassi DeHaas are the founders of Titanium Investments.We are nationwide virtual wholesalers and on this channel we share EVERYTHING that we do inside our business. So if you're looking to close more deals - at higher assignments - anywhere in the country… You're in the right place.Who is Titanium Investments and What Have We Accomplished?Over 10 years in the real estate investing businessClosed deals in all 50 states​Owned rentals in 12 states​Flipped houses in 11 states​Closed on over 2,000 properties​125 contracts in 50 days (all live on YouTube)​Back to back Closers Olympics ChampionTrained thousands of wholesalers to close more deals_________________________________With over 2,000 Videos, this is the #1 channel on YouTube for all things Virtual Wholesaling. SUBSCRIBE NOW!    https://www.youtube.com/@RJBatesIII_________________________________RESOURCES FOR YOU:If you want my team and I to walk you through how to build or scale your virtual wholesaling business from A to Z, click here to learn more about Titanium University: https://www.titaniumu.com(FREE) If you want to learn how to close deals just like me, The King Closer, then download the free King Closer Formula PDF: https://www.kingclosersformula.com/close(FREE) Join our exclusive FB group community for real estate investors and wholesalers: https://www.facebook.com/groups/titaniumvault/(FREE) Click here to grab our Titanium fleet free PDF & training: Our battle tested strategies and tools that we actually use… and are proven to work: https://www.kingclosersformula.com/fleetGrab the King Closer Blueprint: My Step by Step Sales Process for closing over 2,000 deals (Only $37): https://www.kingclosersformula.com/kcblueprintGrab Titanium Profits: Our exact system we use to comp and underwrite deals in only 4 minutes. (Only $99) https://www.kingclosersformula.com/titaniumprofitsWant to know what the best markets to wholesale in are? Grab my breakdown of all 50 states here: https://www.titaniumu.com/marketsSupport the show

Click HERE to learn how to earn $10K/month in rental income & access 50% discount on RTR Academyhttps://landing.renttoretirement.com/evg-masterclass-replayThis episode is sponsored by…ECKARD ENTERPRISES:Build wealth through alternative investments in U.S. oil & gas with Eckard's tangible, tax‑advantaged energy assets: https://eckardenterprises.com/rent-to-retirement/⁠BLUPRINT HOME LOANS:Get pre-approved with one of RTR's preferred lenders at https://bluprinthomeloans.com/renttoretirement/ FIGURE:Access your home equity in minutes—no refinance needed! https://go.figure.com/renttoretirement

Click HERE to learn how to earn $10K/month in rental income & access 50% discount on RTR Academyhttps://landing.renttoretirement.com/evg-masterclass-replayThis episode is sponsored by…ECKARD ENTERPRISES:Build wealth through alternative investments in U.S. oil & gas with Eckard's tangible, tax‑advantaged energy assets: https://eckardenterprises.com/rent-to-retirement/⁠BLUPRINT HOME LOANS:Get pre-approved with one of RTR's preferred lenders at https://bluprinthomeloans.com/renttoretirement/ FIGURE:Access your home equity in minutes—no refinance needed! https://go.figure.com/renttoretirement

Most people think debt is bad. But what if debt could actually make you rich? In this episode of Millionaire Tax Secrets, Tiffany Phillips breaks down how wealthy people use good debt to grow their money, create tax savings, and build long-term wealth. You'll learn the key difference between good debt and bad debt, why mortgages and business loans can actually help you, and how strategies like cash-out refinancing can give you tax-free cash to reinvest. Tiffany also shares real examples of clients who turned debt into cash flow, tax deductions, and lasting wealth. If you've ever been told to pay off all debt fast, this episode will flip your money mindset upside down. Don't miss the secrets millionaires use to maximize income and minimize taxes—listen now!   Next Steps:

Most small business owners don't realize that staying a sole proprietor or single-member LLC can cost them thousands every year. In this episode, Tiffany Phillips breaks down when and why you should switch to an S-corporation—and how it can cut your self-employment taxes by 15% or more. Learn the smart strategies behind setting a “reasonable salary,” how to balance salary and distributions, and why entity structure is the foundation of tax planning and wealth protection. Tiffany shares real stories of business owners who saved tens of thousands by making this simple change. If you want to stop overpaying taxes and build long-term wealth, this episode is your wake-up call. Don't leave money on the table—tune in now.   Next Steps:

 What if the IRS helped pay for your business car or equipment? In this episode, Tiffany Phillips reveals how wealthy business owners use smart tax strategies to turn everyday purchases into massive tax savings. Learn how Section 179, bonus depreciation, and the “6,000-pound rule” can help you write off vehicles, equipment, and even buildings faster than you thought possible. Hear real stories of clients who turned tax savings into rental properties and steady cash flow. Tiffany also explains the money mindset shift that separates wealthy business owners from everyone else. If you want to save thousands in taxes while building long-term wealth, this episode is a must-listen. Don't wait—discover how to make tax planning work for you today.   Next Steps:

What if you could slash your tax bill using the same strategies as the ultra-wealthy? In this episode of Millionaire Tax Secrets, Tiffany Phillips reveals three advanced tax strategies that can save you thousands while building long-term wealth. You'll learn how oil and gas investments create rare tax deductions that offset active income, how private family foundations give you control over your giving while creating massive tax savings, and how the Augusta Rule lets business owners generate tax-free income right from home. These aren't generic tax tips. They're the same tax strategies wealth managers use to protect millions—and they're completely legal. If you're ready to stop overpaying and start using smart strategies to minimize taxes and maximize income, this episode is for you. Don't wait—listen now and discover the tax secrets the wealthy don't share.   Next Steps:

In a special presentation of Smart Travel, learn what your points and miles are really worth in 2025 — and why the answer might change how you book travel. Should you take a $650 flight voucher or 32,500 miles? How much are your points and miles actually worth? Smart Travel hosts Sally French and Meghan Coyle break down the latest NerdWallet valuations to help you make smarter redemption choices. But first, they cover recent travel headlines, including Southwest Airlines' new partnership with EVA Air, Frontier's companion certificate promotion and status match, and JetBlue opening up award bookings with Condor Airlines. Then, travel Nerd Craig Joseph joins Meghan to discuss NerdWallet's latest airline, hotel, and credit card point valuations, with tips and tricks on comparing loyalty programs, maximizing transfer partners, and deciding when cash is more valuable than points. They also discuss the impact of devaluations, how close-in bookings can save you points, and why premium cabins can sometimes offer outsized redemption value. Plus: Craig's hot take on airport lounges. Card benefits, terms and fees can change. For the most up-to-date information about cards mentioned in this episode, read our reviews: Is the Frontier Airlines World Mastercard Worth Its Annual Fee? https://www.nerdwallet.com/article/travel/is-the-frontier-airlines-world-mastercard-worth-its-annual-fee Citi Strata Credit Card Review: Solid Rewards for No Annual Fee https://www.nerdwallet.com/reviews/credit-cards/citi-strata  Citi Double Cash Review: A Solid Choice for Everyday Spending ​​https://www.nerdwallet.com/reviews/credit-cards/citi-double-cash  Citi Custom Cash Card Review: Low-Maintenance 5% Cash Back https://www.nerdwallet.com/reviews/credit-cards/citi-custom-cash  Citi Strata Premier: Big Rewards Across Top Spending Categories https://www.nerdwallet.com/reviews/credit-cards/citi-strata-premier  Is the New Alaska Atmos Summit Card Worth a $395 Annual Fee? https://www.nerdwallet.com/article/travel/is-the-alaska-airlines-atmos-summit-card-worth-its-annual-fee  Resources discussed in this episode: Airline Miles vs. Cash Calculator https://www.nerdwallet.com/article/travel/calculator-should-you-book-a-flight-with-cash-or-miles  How Much Are Travel Points and Miles Worth in 2025? https://www.nerdwallet.com/article/travel/airline-miles-and-hotel-points-valuations  Want us to review your budget? Fill out this form — completely anonymously if you want — and we might feature your budget in a future segment! https://docs.google.com/forms/d/e/1FAIpQLScK53yAufsc4v5UpghhVfxtk2MoyooHzlSIRBnRxUPl3hKBig/viewform?usp=header To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email podcast@nerdwallet.com. In this episode, the Nerds discuss: points and miles valuation, airline miles value, hotel points value, credit card points value, Southwest EVA Air partnership, Frontier Companion Certificate, JetBlue Condor award booking, Citi American Airlines transfer, Amex Membership Rewards value, Capital One points value, Bilt points value, Hyatt points value, Hilton points value, Marriott points value, Wyndham points value, IHG points value, Alaska miles value, JetBlue points value, American Airlines miles value, United miles value, Southwest points value, Virgin Atlantic miles value, ANA miles value, Avianca LifeMiles value, best way to use Amex points, best way to use Citi points, best way to use Capital One points, use cash or points for flights, last minute award flight value, premium cabin redemption value, economy flight points value, airline devaluation, hotel point devaluation, cash vs points travel booking, when to transfer credit card points, how to maximize travel rewards, and NerdWallet points and miles calculator. Learn more about your ad choices. Visit megaphone.fm/adchoices

Most people chase one “magic” tax tip, but that's not how wealthy families build lasting wealth. In this episode, Tiffany Phillips reveals The Trifecta System—a simple, proven framework that helps you create multiple income streams, lower your tax bill, and protect your wealth for the next generation. You'll learn how to separate operations from assets, use smart tax strategies to maximize income, and set up legacy protection so your money flows exactly where you want it. Tiffany shares real client stories showing how entrepreneurs cut taxes by six figures while building passive income and long-term wealth. If you've ever wondered why the rich pay less in taxes, this episode gives you the clear blueprint they use—and how you can start today. Don't miss this eye-opening lesson that could save you thousands and change how you think about money forever.   Next Steps:

Want to slash your tax bill fast? In this episode, Tiffany reveals the short-term rental strategy that high-income earners are using to save thousands. Forget the 750-hour Real Estate Professional rule—this method only needs 100 hours a year. With the 7-day rule, your rental is treated like an active business, unlocking powerful tax savings and deductions that can wipe out W-2 income. You'll learn how to qualify, track your hours, and use cost segregation to maximize your first-year tax breaks. Real client stories show doctors, lawyers, and executives saving six figures in a single year—while still making money every month from rentals. This isn't a loophole—it's established tax law. If you're serious about lowering taxes and building long-term wealth, you can't afford to miss this.

Most business owners think filing taxes is enough. The truth? Compliance keeps you safe, but strategy builds wealth.   In this episode of The Practical Wealth Show, Curtis sits down with Catrina M. Craft, CPA and tax strategist, to uncover how entrepreneurs can cut taxes by 25% and boost profits by 20% using proactive strategies the ultra-wealthy already know.   Catrina shares her journey of losing 80% of her income and $100K in debt, rebuilding her business with the same tools she now teaches high-earning entrepreneurs through her Craft Money Map™ system.    Highlights   Together, Curtis and Catrina break down: The difference between compliance vs. strategy in tax planning. Silent money leaks that cost entrepreneurs thousands each year. Lessons from celebrities and creators that everyday business owners can apply. How to turn taxes from a penalty into a pivot point for lasting wealth. What to expect as tax laws shift over the next 5 years — and how to stay ahead.   If you want to stop leaking money to the IRS and start building a resilient financial system, this conversation is your wake-up call.   Links and Resources from this Episode https://www.practicalwealthadvisors.com https://www.practicalwealthsolutions.net/ Email Curtis for a free report - curtmay@gmail.com  Call his office - 610-622-3121 ERC Tax Credit - https://ercspecialists.com?fpr=curtis75 Schedule a call with Curtis: https://aptwithcurtis.as.me/Strategysession CashFlow Mapping: https://practicalwealth.cashflowmapping.com/lp/PWbudgetsstink  Connect with Catrina M. Craft Learn more about Catrina: CatrinaMCraft.com  Explore the Money4Life Blueprint: https://link.agent-crm.com/widget/quiz/fhd4bpJNM6FkfmJI22bs  Use the already to be the bank assessment Links/Resources: Free Strategy Call : https://link.agent-crm.com/widget/booking/P3coOQC0HSpJeuIumy8f  catrinam@craftmoretoday.com  Guest Additional Info: Facebook : Catrina M Craft | Dallas TX LinkedIn: https://www.linkedin.com/in/catrinamcraft/  Visit: entertainmentcfo.com  Visit: cmcraft.com  Special Listener Gift Schedule a 15-Minute Call with Curtis: https://aptwithcurtis.as.me/Strategysession   Review, Subscribe and Share If you like what you hear please leave a review by clicking here   Make sure you're subscribed to the podcast so you get the latest episodes. Click here to subscribe with Apple Podcasts  Click here to subscribe with Spotify Click here to subscribe with RSS  

 Most people think taxes are just money out the door. But what if you could legally cut your bill to zero? In this episode, we reveal the Real Estate Professional status—one of the most powerful tax strategies in the IRS code. You'll learn how wealthy investors use real estate to create massive tax savings, why your spouse could be your biggest financial secret weapon, and how cost segregation turns properties into instant deductions. We'll break it down with real client stories—like the family who went from paying $60,000 a year in taxes to paying nothing at all. This isn't theory. These are proven methods used by high-income earners every year. If you're serious about business finance and keeping more of your money, you don't want to miss this. Listen now and unlock the secrets the IRS hopes you never discover.   Next Steps:

Most business owners fear the tax code. But what if almost all of it was written to help you keep more of your money? In this episode, Tiffany Phillips shares the shocking truth: 99.5% of tax laws are incentives, not penalties. Learn how smart tax strategies can put thousands back in your pocket and why your CPA may not be telling you the full story. Stop overpaying and start using tax planning to build wealth. Don't wait—your biggest tax savings opportunities are hiding in plain sight.   Next Steps:

What does a $14.6 billion healthcare fraud case have to do with your business? Everything. While criminals steal billions from taxpayer-funded programs, business owners like you are still overpaying the IRS every year. In this episode, we break down how government waste affects your bottom line—and why smart tax planning isn't just good business, it's your responsibility. You'll learn why a proactive tax strategy matters, how tax reduction can protect your hard-earned money, and what steps to take to keep more cash in your pocket. If you've ever wondered why your tax bill feels too high, or how to finally take control of your money decisions, this episode is for you. Don't let your money get wasted—tune in now and discover the strategies that could save you thousands.   Next Steps:

In this episode, we break down how Hulk Hogan built and protected a $25 million fortune—and the smart strategies you can use too. You'll learn simple tax tips and wealth planning moves that keep more money in your pocket. From diversifying income streams to choosing the right state for tax savings, we cover real-life examples any business owner can follow. We'll also unpack how trusts, life insurance, and tax strategy can help you pass wealth to the next generation—tax-free. Whether you run a small business or are growing your empire, these money hacks can help you maximize income and protect what you've built. This isn't just business talk—it's about making smarter money decisions starting now. Press play to learn the tax secrets the wealthy use (and most CPAs never mention).   Next Steps: