Podcasts about Overspending

Why do so many Christians want to give more—but feel like they can't?Most of us want to be generous, but there are often barriers—spiritual, financial, or even emotional—that hold us back. Today, Ron Blue joins us to unpack five key reasons why Christians don't give more, and how we can begin climbing toward greater generosity.Ron Blue is a financial teacher, author, and co-founder of Kingdom Advisors. He has helped countless Christians apply biblical wisdom to their finances and is best known for his bestselling book, Master Your Money: A Step-by-Step Plan for Financial Contentment.Five Barriers to Generosity—and How to Overcome ThemGenerosity is one of the greatest marks of spiritual maturity, yet many Christians find themselves wanting to give more but feeling unable to do so. Over the years, most believers face five primary barriers to generosity. These form a kind of “pyramid,” with each level building on the one below it. The journey toward greater giving begins with the heart and ends with intentional planning.1. Spiritual Condition: The Foundation of GenerosityBefore generosity ever shows up in our bank accounts, it begins in our hearts. When we grasp who God is, who we are, and the grace that has been extended to us, generosity naturally flows from that understanding.The more we understand God's ownership and our role as stewards, the more we want to give. Spiritual maturity is the foundation—without it, our giving will always feel like an obligation instead of an act of worship.2. Financial Health: Creating Margin to GiveEven when our hearts are in the right place, poor financial habits can make generosity difficult. Many believers simply can't give more because they're weighed down by debt, overspending, or disorganization.It often takes time—sometimes even years—to align our finances with our convictions. That might mean getting out of credit card debt, restructuring a business, or learning to live within our means. When we get our financial house in order, we create margin for generosity to flourish.3. Vision: Seeing Where God Is WorkingPeople don't give to spreadsheets or buildings—they give to vision. When we can picture the impact of our giving, we're motivated to invest more deeply.A clear vision fuels generosity. Ask yourself: Where has God stirred my heart? What Kingdom work do I feel most passionate about? When we see how our resources can change lives—whether feeding children, funding missions, or supporting local ministries—we begin to give with joy and purpose.4. Community: Encouragement from OthersGenerosity rarely happens in isolation. We need relationships that encourage us to live open-handedly. When we surround ourselves with generous people—friends who talk about giving, pray about giving, and celebrate giving—we're inspired to do the same.Scripture reminds us that we are to “spur one another on toward love and good deeds” (Hebrews 10:24). Community reminds us that generosity isn't just an individual act—it's part of how the body of Christ functions together.5. Planning: Giving with IntentionFinally, generosity grows through intentional planning. I've seen it over and over in my work as a financial planner: when people create a plan for their giving, their generosity increases dramatically—sometimes fivefold.A plan brings clarity and purpose. It helps you set a “finish line” for lifestyle and accumulation so you can redirect more toward eternal purposes. Without a plan, even well-intentioned believers often give sporadically or reactively. With one, generosity becomes a consistent and joyful part of life.Moving Toward Greater GenerosityThese five layers—spiritual condition, financial health, vision, community, and planning—build upon each other. Each represents a step toward living and giving as God intended.So, which one are you ready to work on today?The journey toward generosity isn't about guilt—it's about grace. As we align our hearts, habits, and plans with God's purposes, we discover the joy of giving that truly reflects His character.On Today's Program, Rob Answers Listener Questions:I'm considering a reverse mortgage and wondering—if I were to get one—whether my creditors could come after the proceeds.How can younger people today start building wealth? What are some practical strategies to grow financially—and how can we stay positive and motivated when so many in our generation don't seem to think that way?I run a small architecture business, but my income has been inconsistent over the past few years. My financial advisor suggested I take a salaried job to help pay down debt and stabilize our family's finances. If I do that, how should I communicate with a potential employer that I'd like to keep my business on the side—and is that even wise to do?I've been researching digital currencies and the broader move toward electronic money. With more people, including political figures, showing support for it—and with lower fees and more direct transactions—what's your take on where this is heading?My husband is 65 and retired, and I'm 56 and still working. I've heard that a spouse can collect half of the other's Social Security benefit once they reach a certain age. Is that true, and how does it work?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Open Hands FinanceWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode, we're talking about how to restock your pantry intentionally after the Pantry Challenge so you can avoid waste, overspending, and overwhelm. Brittany shares practical tips for creating a core pantry list that actually fits your family's needs, restocking slowly on a budget, and organizing for function over perfection. It's all about building a pantry that supports real life—not one that looks Pinterest-perfect.

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! 

Snag Our Simplified Budget System!Most people think budgeting means cutting back and saying “no” to everything fun — but we're here to tell you it's actually about saying yes! Yes to dinner out. Yes to vacations. Yes to the things you love — but with cash in hand and zero stress.In this episode, we wrap up the Budget Besties Method with Step 8: Be Bougie on a Budget. You'll hear how real clients and friends are living their best lives — from country clubs and horses to golf memberships and healthy food — all while sticking to their budgets. Because “bougie” looks different for everyone, and it's not about how much you spend; it's about spending with intention.Connect With Us: 1️⃣ Facebook Group – Join the community. Our free group is where the real talk happens. Connect with other women who are learning how to budget, save, and finally feel in control, together. ➡︎ budgetbesties.com/facebook 2️⃣ Automate Your Budget Masterclass – Watch it now, no waiting. This FREE on-demand training shows you how to set up a budget that matches your lifestyle, without tracking every dollar or feeling restricted. ➡︎ budgetbesties.com/automate 3️⃣ Budget – Grab our Simplified Budget System! You don't need another budget, you need a system that does the math, makes the plan, and gives you permission to spend. ➡︎ budgetbesties.com/budget 4️⃣ Private 1-on-1 Coaching – Get a plan and a coach. We'll build your full budget system together, so you always know what to do and feel confident doing it. ➡︎ budgetbesties.com/coaching 5️⃣ Be on the Podcast – Free coaching, real convo. Come chat with us on the show! Get real-time financial coaching and help other women by sharing your story. ➡︎ budgetbesties.com/livecall "I love Shana & Vanessa and this podcast is amazing!"

We've all done it - spent money we didn't plan to spend on something we didn't really need. As we continue our Over It: When Enough is Enough series, we get real about overspending. It's easy to blame overspending on not having enough money - but it's not. We spend for all sorts of reasons we don't usually admit. Comfort. Control. Validation. And while some purchases bring real joy, most are nothing more than temporary hits of dopamine, pulling focus from our goals, draining our bank account, and stealing our peace of mind. Every swipe, every click, every impulse purchase isn't just spending money — it's a choice about where our attention, energy, and resources go. It's time to be honest about how we're spending and why we've stopped hesitating before handing over that card. This isn't about needing more money - it's about paying attention to what we're really chasing when we spend it

In today's BizNews Briefing: Ahead of next week's medium-term budget, economist Dawie Roodt joins Alec Hogg to unpack South Africa's fiscal tightrope - from government overspending and tax fatigue to the limits of squeezing more revenue out of a struggling economy. A reflection on why bread-and-butter issues are finally starting to outweigh political loyalties for voters.

Swiss cheese agreements. Overspending by big tech - could that be their  downfall? A rate cut in the dark and AI's Impact on Future Workforce. Guest: Vitaliy Katsenelson is discussing the basic math of the markets, including where to actually find bargains. NEW! DOWNLOAD THIS EPISODE'S AI GENERATED SHOW NOTES (Guest Segment) Follow @andrewhorowitz Vitaliy Katsenelson, born  and raised in Murmansk, Russia (the home for Russia‘s northern navy fleet, think Tom Clancy‘s Red October). Immigrated to the US from Russia in 1991 with all his  family three brothers, father, and stepmother. His  professional career is easily described in one sentence: He invest, He educates, he writes, and he could not dream of doing anything else. He is Chief Investment Officer at Investment Management Associates, Inc (IMA), a value investment firm based in Denver, Colorado. After he received his  graduate and undergraduate degrees in finance (cum laude) from the University of Colorado at Denver, and finished his  CFA designation, he wanted to keep learning. He figured the best way to learn is to teach. At first he taught an undergraduate class at the University of Colorado at Denver and later a graduate investment class at the same university that he designed based on his  day job. He found that the university classroom was not big enough, so he started writing. He writes a monthly column for Institutional Investor Magazine and he has  written articles for the Financial Times, Barron‘s, BusinessWeek, Christian Science Monitor, New York Post, and the list goes on. He was profiled in Barron‘s, and has  been interviewed by Value Investor Insight, Welling@Weeden, BusinessWeek, BNN, CNBC, and countless radio shows. Vitaliy has authored the Little Book of Sideways Markets (Wiley, 2010) and Active Value Investing (Wiley, 2007). Follow @vitaliyk Check this out and find out more at: http://www.interactivebrokers.com/ More information available on Horowitz & Company's TDI Managed Growth Strategy Stocks discussed this week (ORCL), AMZN), (MSFT), (DIS), (AMD), (NVDA), (NOK)

TOP STORIES - The death toll rises as Hurricane Melissa leaves widespread destruction across Jamaica, Haiti, and Cuba. Florida CFO Blaise Ingoglia accuses Miami-Dade County of overspending more than $302 million, while State Farm announces rate cuts for Florida drivers. Plus, three Florida cities earn top spots for Halloween celebrations — and we share this year's best Halloween discounts and freebies.See omnystudio.com/listener for privacy information.

TOP STORIES - The death toll rises as Hurricane Melissa leaves widespread destruction across Jamaica, Haiti, and Cuba. Florida CFO Blaise Ingoglia accuses Miami-Dade County of overspending more than $302 million, while State Farm announces rate cuts for Florida drivers. Plus, three Florida cities earn top spots for Halloween celebrations — and we share this year's best Halloween discounts and freebies.

Your social calendar is packed and your bank account is nervous! Tamara and Lucinda are here to save both your style and your savings with their event dressing masterclass. They're breaking down the viral "white tank theory" that's taking over TikTok - basically, if you can walk into a party in a basic singlet and still be the chicest person there, you're officially "that girl." But how do you actually pull it off without looking underdressed? Lucinda drops the most organised friend group hack ever - they coordinate buying different pieces from expensive brands so they can all borrow complete designer looks from each other. EVERYTHING MENTIONED: Tam's Boujie: The Frankie Shop Aeson jersey maxi skirt $260 Lucinda's Boujie: The Dress All The Bad Boys Like by Maggie Marilyn $895 Tam's Budget: Bayse Cassia Tank - White $49.95 Lucinda's Budget: Lioness Balmy Jacket $89 GET YOUR FASHION FIX: Watch us on Youtube this episode goes live at 8pm tonight! Follow us on Instagram Want to shop the pod? Sign up to the Nothing To Wear Newsletter to see all the products mentioned plus more, delivered straight to your inbox after every episode. Feedback? We’re listening! Call the pod phone on 02 8999 9386 or email us at podcast@mamamia.com.au Discover more Mamamia Podcasts here CREDITS: Hosts: Tamara Holland & Lucinda Pikkatt Producer: Ella Maitland Audio Producer: Tegan Sadler Video Producer: Artemi Kokkaris Just so you know — some of the product links in these notes are affiliate links, which means we might earn a small commission if you buy through them. It doesn’t cost you anything extra, and it helps support the show. Happy shopping! Mamamia acknowledges the Traditional Owners of the Land we have recorded this podcast on, the Gadigal people of the Eora Nation. We pay our respects to their Elders past and present, and extend that respect to all Aboriginal and Torres Strait Islander cultures.Become a Mamamia subscriber: https://www.mamamia.com.au/subscribeSee omnystudio.com/listener for privacy information.

Ever glance at your bank account and wonder, “Where did it all go?” Impulse buys might be the usual suspects, but they're just the beginning. In today's economy—where every dollar counts—there are plenty of subtle ways money slips through the cracks. Some are so routine habits that could be draining your wallet, and you might not even notice them.  Links: 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 a time when prices seem to rise faster than paychecks, keeping track of your spending is more important than ever. Yet even the most budget-conscious among us can fall into habits that quietly drain our finances. From everyday conveniences to overlooked fees, these money leaks often go unnoticed until it's too late. The good news? Most of them are fixable with a few smart tweaks.   This tip is part one of two tips that will cover ten sneaky yet common budget busters. Here are the first five.   Throwing Away Wasted Food Buying groceries with good intentions only to toss them out a few days later is a quiet but costly habit. Whether it's forgotten leftovers, produce that never made it into a meal, or bulk items that seemed like a good deal at the time, food waste can add up fast—and so does the money lost with it. In today's economy, where grocery prices continue to climb, letting food go unused is like throwing cash straight into the trash. The problem often stems from lack of planning or overestimating what we'll actually eat during the week. Plan meals before shopping and stick to a list that reflects your actual schedule and appetite. Explore tools like dinner planning apps or notebooks to keep your meal plan organized and easy to follow.   Overspending on Dining Out Takeout and restaurant meals are undeniably convenient—especially after a long day—but that convenience comes at a steep price. With rising food costs, service fees, and delivery charges, even a quick bite can end up costing double what it would to make at home. It's easy to fall into the habit of dining out regularly without realizing how much it's impacting your budget. Over time, those small splurges can add up to hundreds of dollars a month. Set a realistic weekly dining-out budget and explore simple, quick recipes that make cooking feel less like a chore. Even swapping just a few restaurant meals for homemade ones each week can lead to noticeable savings—and might even spark a new love for cooking.  Impulse Purchases Online shopping makes it incredibly easy to buy things on a whim—just a few clicks and it's on its way to your doorstep. These impulse purchases often feel satisfying in the moment, but they can quickly lead to regret, clutter, and a shrinking bank balance. With targeted ads and flash sales constantly vying for your attention, it's easy to convince yourself that you need something you didn't even know existed five minutes ago. Over time, these small, unplanned buys can add up to a significant drain on your finances. Curb this temptation with the 24-hour rule—wait a full day before buying non-essential items. This simple pause gives you time to reflect on whether the purchase is truly worth it or just a fleeting desire.  Paying for Unused Subscription Services Streaming platforms, mobile apps, and memberships can quietly renew month after month—even if you've completely forgotten about them. It's easy to sign up for a free trial or a service you might use, only to let it slip under the radar while the charges keep rolling in. These recurring expenses may seem small individually, but together they can take a noticeable bite out of your budget. In a subscription-heavy world, it's more important than ever to stay on top of what you're actually using. Make it a habit to review your subscriptions every few months and cancel anything you haven't used recently. Budgeting apps and digital wallets often have built-in tools to help track and manage recurring payments, making it easier to spot and stop the ones that no longer serve you.  Fees on Late or Missed Payments Late fees and penalties are completely avoidable, yet they remain one of the most common and frustrating money drains. Whether it's a missed credit card payment, a forgotten utility bill, or a delayed loan installment, these charges can pile up quickly and quietly. Beyond the immediate financial hit, they can also damage your credit score—making future borrowing more expensive or even inaccessible. In a busy world, it's easy to overlook due dates, but the consequences can linger far longer than the oversight. Set up automatic payments for recurring bills whenever possible, and use calendar reminders or budgeting apps to track due dates. A little organization now can save you from costly mistakes later.   That concludes this week's list of 5 ways we tend to waste money. Next week I'll present 5 more, so make sure to tune in and take a listen! Ther may be some you haven't heard of before!  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!   

Wholesale stores like Costco, Sam's Club, and BJ's promise big savings-but are you really saving money, or just buying more than you need?In this episode, we break down the smartest ways to shop wholesale: what to buy, what to skip, and how to maximize your membership. From bulk bargains to hidden deals, we'll uncover the shopping strategies that actually stretch your dollar without wasting it.Perfect for anyone who loves a good deal (or wants to stop overspending at the warehouse club).

Te Pāti Māori's behaviour is once again a topic of discussion following bill burning and allegations of over-spending this week. Barry Soper told Heather du Plessis-Allan that Te Pāti Māori 'shouldn't be anywhere near Government'. Soper identified a possible link between the ongoing party controversies and it's culture of nepotism. LISTEN ABOVESee omnystudio.com/listener for privacy information.

How good are you at "spending money"? ✅In this episode, I'm breaking down the 4-part Intentional Spending Framework I teach my clients to help them spend in a way that actually feels good, not chaotic or restrictive, but aligned and empowering. You'll learn:✅ How to align your spending with your values and life goals✅ What to ask yourself to know if a price actually feels “worth it”✅ Why overspending isn't always a mistake if it's conscious and deliberate✅ How this framework helps you stay on track financially without living in restrictionIf you've ever thought, “I just want to spend money without feeling bad about it later,” this episode is for you.Want to learn more? Book a 1:1 Money Coaching call: https://www.buildinggenwealth.com/work-with-me

Learn how to automate tasks, save time, and increase your profit. No Coding required!

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3325: Mr. Finer breaks down the subtle yet powerful trap of lifestyle inflation, showing how incremental upgrades in spending can quietly sabotage financial independence. By focusing on maximizing happiness and utility instead of status, he offers clear strategies to recognize and resist the pressure to constantly "upgrade" your life. Read along with the original article(s) here: https://mrfiner.com/why-lifestyle-inflation-is-harmful-and-how-to-avoid-it/ Quotes to ponder: “There is enough to meet everyone's needs but not enough to meet everyone's greed!” “Lifestyle inflation is like a hole in a tire. You can pump in air, but the tire will not get full until the hole is plugged.” “Maximize for happiness, not for status.” Learn more about your ad choices. Visit megaphone.fm/adchoices

Do you secretly believe the more expensive or extravagant the gift, the more love it shows? In this episode, Paige pulls back the curtain on the gift-giving guilt spiral that fuels so much unnecessary overspending — especially during the holidays. She explores why we associate “meaningful” with “expensive” or “voluminous,” how our culture reinforces that belief, and why even thoughtful gift-givers can feel depleted, resentful, or broke. You'll learn: • Why we confuse financial sacrifice with emotional significance • The surprising science of what recipients actually value most • How to give (and receive) gifts without losing yourself in the process Whether you're a gift-lover or gift-averse, this episode will help you untangle your spending from your self-worth — and finally take back control of your gift-giving with clarity, compassion, and intention.

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3325: Mr. Finer breaks down the subtle yet powerful trap of lifestyle inflation, showing how incremental upgrades in spending can quietly sabotage financial independence. By focusing on maximizing happiness and utility instead of status, he offers clear strategies to recognize and resist the pressure to constantly "upgrade" your life. Read along with the original article(s) here: https://mrfiner.com/why-lifestyle-inflation-is-harmful-and-how-to-avoid-it/ Quotes to ponder: “There is enough to meet everyone's needs but not enough to meet everyone's greed!” “Lifestyle inflation is like a hole in a tire. You can pump in air, but the tire will not get full until the hole is plugged.” “Maximize for happiness, not for status.” Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3325: Mr. Finer breaks down the subtle yet powerful trap of lifestyle inflation, showing how incremental upgrades in spending can quietly sabotage financial independence. By focusing on maximizing happiness and utility instead of status, he offers clear strategies to recognize and resist the pressure to constantly "upgrade" your life. Read along with the original article(s) here: https://mrfiner.com/why-lifestyle-inflation-is-harmful-and-how-to-avoid-it/ Quotes to ponder: “There is enough to meet everyone's needs but not enough to meet everyone's greed!” “Lifestyle inflation is like a hole in a tire. You can pump in air, but the tire will not get full until the hole is plugged.” “Maximize for happiness, not for status.” Learn more about your ad choices. Visit megaphone.fm/adchoices

Always spending it before you have it? Moneytracker Don Grant says save it before you have it.

Leave Health Bite a Feedback.Click This Link.Your reactivity isn't a character flaw—it's hardwired into your biology. But that doesn't mean you have to be hijacked by it.In the last 24 hours, you've probably reached for something—a handful of chips, a glass of wine, your phone. You've flipped through Instagram to Amazon to emails back to Instagram again. You've tried to distract yourself with eating, shopping, scrolling, overworking.In this transformative episode, Dr. Adrienne Youdim reveals how the same biology that drives public outbursts is also behind our private struggles—and more importantly, how to flip the script on reactivity.What You'll Learn:Why reactivity is biology, not weakness. The hidden hungers driving your behavior. The pause that changes everything " When you create space between trigger and reaction, reactivity transforms into resilience. "— Dr. Adrienne YoudimThe Biology Behind ReactivityOur nervous system was created to scan for threats and get us out of harm's way quickly. But what was once protective has become maladaptive, showing up in how we relate to ourselves and others.Where Reactivity Shows Up:Reaching for food, alcohol, or your phone automatically. Lashing out at partners. Overspending, overworking, people-pleasing. The same biology behind public outbursts drives our private struggles.The Four Types of Hunger:Physical: Your body needs nourishment—food, rest, sleep, movement. Cook real meals, get seven hours of sleep, take a 10-minute walk.Emotional: Stop seeking validation externally. Recognize you are enough, just as you are. Offer yourself the validation you seek.Spiritual: You're trying to control everything. Step back, surrender, recognize you can't do it all. Lean into service or something beyond your tangible life.Relational: Where are you not present? Are you distracted with your children? Hiding behind texts instead of showing up vulnerably?The Power of the Pause:When you create space between trigger and reaction, reactivity transforms into resilience. Your hunger is a message—something needs your care. That space is where you live authentically and aligned with your deepest values.Explore Additional Resources From Dr. Adrienne:Buy the Book: Hungry for More (Amazon & Audible)30-Day Journaling ProgramPast episodes of HealthBite3 Ways that Dr. Adrienne Youdim Can Support You Subscribe to Dr. Adrienne's weekly newsletter https://www.dradrienneyoudim.com/newsletter Connect on Instagram : Follow @dradrienneyoudim for tips and inspiration on well-being and peak performance. Come back next week — Every episode of Health Bite explores the physical, emotional, and spiritual hungers that drive us, and delivers the essential “nutrients” you need to thrive.

Click Here to book your Complimentary Wealth Building Strategy Consultation. Want even more? Check out my Private Podcast—5 binge-worthy episodes you won't hear here. Click here to listen to this exclusive series. Follow Me on Instagram → @germainefoleycoaching

Te Pāti Māori has accused one of its MPs of "major overspending issues" and her son of abusing Parliamentary security. The late-night email sent to party members and obtained by RNZ makes a string of allegations against the MP Mariameno Kapa-Kingi - and her son Eru, a spokesperson for the Toitū Te Tiriti movement. Acting political editor, Craig McCulloch spoke to Lisa Owen. 

Come to a Dehoarding Accountability Zoom Session: http://www.overcomecompulsivehoarding.co.uk/ticket Subscribe to the podcast: https://www.overcomecompulsivehoarding.co.uk/subscribe Podcast show notes, links and transcript: http://www.overcomecompulsivehoarding.co.uk/  This week, let's revisit a brilliant conversation I had with money coach Paige Pritchard all about overspending, compulsive shopping, and resisting the urge to binge buy.  Get the full show notes and transcript here: https://www.overcomecompulsivehoarding.co.uk/podcast-ep-127-overcoming-overspending-with-paige-pritchard-money-coach/ 

Credit cards aren't the enemy—but how you use them determines whether they work for you or against you. In this episode, Paige breaks down how to build a healthy, empowered relationship with credit cards so they become a tool for your financial growth instead of a trap keeping you stuck in overspending, stress, and guilt. You'll learn: • The six essential habits of women who use credit cards responsibly (without slipping into debt) • Why paying your cards off in full doesn't always mean you're in the clear • How to spot if you're secretly living in the “credit card float”  • The mindset shifts that break emotional attachment to credit cards so you can finally feel free and in control again If you've ever told yourself, “But I pay them off every month,” or “I just use them for the points,” this episode will change the way you think about credit cards forever. It's time to use credit cards in a way that supports your goals, your peace, and your financial power.   Work with Paige: Join Crush Your Credit Card Debt Use code OOPOD50 at checkout to get 50% off your investment ONLINE MASTERCLASS: Why smart, successful women overspend - and what really works the break the cycle   Join Overcoming Overspending HERE Resources mentioned in this episode: Start a free 34-day trial with my favorite budgting software, YNAB (You Need A Budget) and get a free month when you subscribe   Connect with Paige Online: Her Website IG: @overcoming_overspending TikTok: @overcoming_overspending Subscribe to Paige's YouTube Channel

Hey Friend!   How often do you struggle with overspending? Well let me share a little secret with you. Overspending isn't an impulse buying problem, it's a not having a plan problem.    Plans that turn into systems, that turn into routines, that turn into habits are the key to staying on budget. So in this episode I am going to share with you three areas you should always have a plan for that will help keep you from overspending and on budget.    So go get your drink, open your heart to God and I'll see you inside!    Much Love    Molly    P.S. I want to invite you to grab some Budget Coaching. This is where I walk you through setting up your budget and coach you through sticking to it. To learn more, email me at mollybenell@gmail.com and let's get you out of the overwhelm and into confidence.  . . . Next Steps:  . Book a Call  . Join The Community  . Become an Insider . Questions? Email me at mollybenell@gmail.com

A West Monroe survey of over 300 U.S. executives finds that 86 percent of companies increased IT spending in the past year and 85 percent expect further increases, with 63 percent of leaders believing they spend more than competitors. Sixty-three percent report spending at least seven percent of company revenue on IT, and 23 percent allocate at least ten percent of their IT budget to artificial intelligence initiatives. Scaling AI and data capabilities is the top investment priority for 42 percent of companies, while 91 percent expect AI investments to drive tech spending higher. Only one percent anticipate significant headcount reductions from AI, while 25 percent expect hiring to increase.Learn more on this news by visiting us at: https://greyjournal.net/news/ Hosted on Acast. See acast.com/privacy for more information.

A survey by West Monroe found that 86 percent of U.S. companies increased IT spending in the past year, with 85 percent expecting further increases. Nearly two-thirds of executives believe they spend more on technology than their peers, leading to pressure to justify budgets. Sixty-three percent of leaders report allocating at least 7 percent of company revenue to IT, and 23 percent dedicate 10 percent or more of their IT budget to artificial intelligence initiatives. Scaling AI and data capabilities is the top investment priority for 42 percent of companies, while 91 percent predict AI will drive overall tech spending higher in the next year. Twenty-five percent expect AI initiatives to increase hiring, while only 1 percent foresee significant job reductions.Learn more on this news by visiting us at: https://greyjournal.net/news/ Hosted on Acast. See acast.com/privacy for more information.

EPISODE 95: WE CAN'T STOP OVERSPENDING Is it retail therapy or just financial self-sabotage? We put our money habits under the spotlight and expose the receipts. Feelings do get hurt, but that's the price of honesty when money is the one subject most families don't openly talk about.  Tune in and let us know who you resonated with the most, and what's a no brainer purchase of yours you will always justify.  Learn more about your ad choices. Visit podcastchoices.com/adchoices

Get a free audit of your indemnity cover here >>> https://quote.allmedpro.co.uk/dental-indemnity-2025-new-proposal-dwi/———————————————————————Get your free verifiable CPD for this episode here >>> https://www.dentistswhoinvest.com/videos/the-top-5-reasons-dentists-are-overspending-on-their-income-protection-with-luke-hurley———————————————————————Are you a dentist looking to grow your wealth? You can connect with Luke here: https://www.viderefinancial.com/investment-options-review———————————————————————What happens to your financial security when you can't practice dentistry? For most dental professionals, income protection represents the cornerstone of financial planning, yet it remains riddled with costly mistakes that could leave you vulnerable precisely when you need support most. In this eye-opening conversation with independent financial advisor Luke Hurley, we dissect the five critical errors dentists consistently make with their protection policies – and provide clear, actionable solutions to fix them.We start by challenging the dangerous mindset that income protection can be postponed. As Luke powerfully states, "Ensuring your future self will never be cheaper than ensuring your today self." Delaying coverage not only increases premium costs but risks accumulating health-related exclusions or even becoming uninsurable. Regular reviews around career transitions prove equally essential, especially when purchasing practices, switching between NHS and private work, or establishing limited companies.The discussion delves into the complexities of aligning protection with various dental income structures. Whether self-employed, operating through limited companies, or employed, different insurers handle income verification distinctly – potentially leaving dangerous gaps in coverage. We explore the critical importance of appropriate deferment periods, coverage definitions, premium guarantees, and inflation protection to ensure your policy delivers when needed most.Perhaps most crucially, we examine how complete transparency during underwriting prevents future claim denials and how income protection should integrate with critical illness coverage, life insurance, and increasingly, private medical insurance to create comprehensive financial security.———————————————————————Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.Send us a text

Your social calendar is packed and your bank account is nervous! Tamara and Lucinda are here to save both your style and your savings with their event dressing masterclass. They're breaking down the viral "white tank theory" that's taking over TikTok - basically, if you can walk into a party in a basic singlet and still be the chicest person there, you're officially "that girl." But how do you actually pull it off without looking underdressed? Lucinda drops the most organised friend group hack ever - they coordinate buying different pieces from expensive brands so they can all borrow complete designer looks from each other. EVERYTHING MENTIONED: Tam's Boujie: The Frankie Shop Aeson jersey maxi skirt $260 Lucinda's Boujie: The Dress All The Bad Boys Like by Maggie Marilyn $895 Tam's Budget: Bayse Cassia Tank - White $49.95 Lucinda's Budget: Lioness Balmy Jacket $89 GET YOUR FASHION FIX: Watch us on Youtube this episode goes live at 8pm tonight! Follow us on Instagram Want to shop the pod? Sign up to the Nothing To Wear Newsletter to see all the products mentioned plus more, delivered straight to your inbox after every episode. Feedback? We’re listening! Call the pod phone on 02 8999 9386 or email us at podcast@mamamia.com.au Discover more Mamamia Podcasts here CREDITS: Hosts: Tamara Holland & Lucinda Pikkatt Producer: Ella Maitland Audio Producer: Tegan Sadler Video Producer: Artemi Kokkaris Just so you know — some of the product links in these notes are affiliate links, which means we might earn a small commission if you buy through them. It doesn’t cost you anything extra, and it helps support the show. Happy shopping! Mamamia acknowledges the Traditional Owners of the Land we have recorded this podcast on, the Gadigal people of the Eora Nation. We pay our respects to their Elders past and present, and extend that respect to all Aboriginal and Torres Strait Islander cultures.Become a Mamamia subscriber: https://www.mamamia.com.au/subscribeSee omnystudio.com/listener for privacy information.

Elizabeth New (Hovde) contends Washington's budget will take another hit as Gov. Bob Ferguson promises to replace lost federal Medicaid funds for Planned Parenthood. She says the state keeps making promises it cannot afford. https://www.clarkcountytoday.com/opinion/opinion-replacing-federal-funds-for-planned-parenthood-will-add-to-states-overspending-woes/ #ElizabethNew #PlannedParenthood #WashingtonPolitics #Medicaid #AppleHealth #BobFerguson #StateBudget #WashingtonPolicyCenter #Opinion

NT is a 55-year-old man admitted to the general medicine service with cellulitis of his left leg. When the attending sees him the morning after admission, he notices the patient's “Medical Center Trustee” hospital ID on his bedside table. After gathering a history and examining the leg, the attending leaves the room. In the hallway, he crosses paths with the hospital president, who is there to make a “social call”. She smiles and says to the attending, “Don't let anything bad happen.”Sensible Medicine is reader-supported. If you appreciate our work, consider becoming a free or paid subscriber.Every clinician is familiar with the Very Important Patient, the VIP. Defining the VIP is challenging. In the most general sense, the VIP is a patient whose care imposes an additional burden on the clinician. The VIP is perceived to have an elevated social status, typically due to fame, wealth, connections, or power.The VIP may come to his or her status in several ways. The VIP might claim that status herself. The status might be granted by a third party, such as the source of the referral, or outside realities (fame, fortune, power). Sometimes, VIP status is granted by the physician alone.The physician recognizes that an untoward outcome in the care of the VIP — clinical or otherwise, expected or unexpected — will be acknowledged by a wider community and might be particularly unpleasant for the treating physician.VIP patients are a threat to healthcare. They need to be eradicated from hospitals and clinics as ruthlessly as we would eradicate E. coli from a well, Pseudomonas from a hot tub, or Legionella from a hotel HVAC system.Why should we eliminate the VIP? Because a patient's wealth, station, or connections should have no bearing on the tests that are done, the treatments that are offered, or the haste with which care is provided.I have heard people argue about whether basic healthcare is a human right. I have heard people who agree that basic healthcare is a human right argue about what makes up basic healthcare and who should decide what qualifies. I have never heard people argue about whether people deserve different care based on their identity.The most obvious threat the VIP poses is to himself. We recognize that when people are treated as special, they are at risk of getting worse healthcare. This fact underlies the guidance that physicians avoid caring for close friends and relatives. The AMA Code of Medical Ethics states:When the patient is an immediate family member, the physician's personal feelings may unduly influence his or her professional medical judgment. Or the physician may fail to probe sensitive areas when taking the medical history or to perform intimate parts of the physical examination. Physicians may feel obligated to provide care for family members despite feeling uncomfortable doing so. They may also be inclined to treat problems that are beyond their expertise or training.You could easily replace family member with VIP. While we can all avoid treating family members and close friends, VIPs are a reality in every physician's life. Transferring their care to another physician usually does not change the circumstances.Ben Kean, an exceptionally colorful character and my parasitology teacher in medical school, shared a story about the risks VIP healthcare poses to the VIP. He once suggested that a patient with pneumonia — a patient who was also famous, wealthy, and important — be transferred from a private hospital to a public one, and treated under a pseudonym."But why a public hospital, when I have a good private clinic here with the best doctors and nurses?""There are two ingredients essential to your recovery," I explained, "that can't be found here and that you cannot buy. These are things found only at a large public institution, where hundreds of patients are seen each day, many of whom suffer from pneumonia. First, you need a large house staff -- bright, young people with new ideas and with daily experience in dealing with desperate situations. Second, you need a laboratory with specialized technicians available around the clock to monitor your breathing, to do special culture work for bacteria and parasites. This is a lovely private hospital, but the kind of help you need isn't available here."Then there is the reality that if you treat VIPs differently, and it becomes known, it is a bad look. Just ask the leadership of NYU Langone Health.But the threat of the VIP goes beyond personal risk. The overtesting, overtreatment, and early diagnosis that have been described not only threaten the VIP but are also bad for our healthcare system. Overspending and excess erode other people's care. An unnecessary MRI ordered for the VIP's week of sciatica may delay the diagnosis of cord compression in the non-VIP with back pain and prostate cancer.VIP treatment can lead to ill will among members of the healthcare team. Teams bond when they work together for the benefit of a patient. With VIPs, team members most under the patient's sway may suggest management at odds with that proposed by team members less influenced by the patient's status. It is not hard to imagine moral injury if a healthcare worker perceives they are acting because of who a patient is rather than because of what the patient needs.If a team bows to pressure, the ethics of medicine are compromised. Other patients will perceive a tiered system, and this will undermine their faith in medicine.Eradicating the VIP from healthcare is certainly more difficult than getting rid of E. coli, Pseudomonas, or Legionella. How do we ensure that the homeless man, with no wealth, power, or family, receives the same care as the woman for whom the hospital is named?It may be hard to eradicate the VIP when healthcare itself has played a significant role in creating the VIP. Hospital marketing and rankings promote the idea that doctors and hospitals are not equal. They do this to attract the “best payer mix” so they can build shiny new facilities. If patients, with their expensive, private insurance, are drawn to a medical center because of the rankings, should we be surprised if they expect something for their money and effort?I wish there were an easy answer. There is not. It is possible that Mick and Keith are our best guides here.As clinicians, we know that we need to provide the best care possible for our patients. We also recognize that different people want different things from their healthcare. Some people just want to be left alone at night, others want an extra cup of tea with breakfast, and others want a visit from the hospital president. If these allowances truly do not affect the care of patients, all patients, then there is no harm in providing the desired care in addition to the necessary care. Once management of the VIP threatens to affect care, hers or that of her fellow patients, then physicians need to recommit to their pledge to care for everyone equally, regardless of who they are. This is at the core of the practice of medicine. This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit www.sensible-med.com/subscribe

Overspending on your flips can quickly eat away at your profits and turn a good deal into a bad one. In this episode, I break down the common mistakes investors make, how to keep your renovation budget in check, and strategies to maximize your return without breaking the bank.

Why do so many of us struggle to follow through on the money habits we know are important? In this episode, Melissa Joy, CFP®, explores the psychology behind three common money behaviors:Overspending – from emotional triggers to lifestyle creep and comparison cultureUndersaving – how present bias and scarcity mindset can sabotage long-term planningFreezing – the shame and avoidance that keep us from making financial decisions at allMelissa shares relatable examples and practical strategies to break free from these cycles. From setting up automatic savings, to creating “fun money” categories in your budget, to celebrating small wins, she explains how incremental progress can rewire your money story.Resources & Mentions:The Geometry of Wealth by Brian PortnoyThe Psychology of Money by Morgan HouselThe Behavioral Investor by Daniel CrosbyIf you've ever felt stuck or ashamed about money, this episode will help you move forward with more self-compassion, awareness, and action.The previous presentation by PEARL PLANNING was intended for general information purposes only. No portion of the presentation serves as the receipt of, or as a substitute for, personalized investment advice from PEARL PLANNING or any other investment professional of your choosing. Different types of investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy, or any non-investment related or planning services, discussion or content, will be profitable, be suitable for your portfolio or individual situation, or prove successful. Neither PEARL PLANNING's investment adviser registration status, nor any amount of prior experience or success, should be construed that a certain level of results or satisfaction will be achieved if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. PEARL PLANNING is neither a law firm nor accounting firm, and no portion of its services should be construed as legal or accounting advice. No portion of the video content should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. A copy of PEARL PLANNING's current written disclosure Brochure discussing our advisory services and fees is available upon request or at https:...

Ever wonder why you overspend — even when you know better? Overspending isn't just about poor discipline or lack of willpower. It's the result of a chain reaction: activating events spark emotions, emotions drive behaviors, and at the root of it all are the thoughts and beliefs you hold about money. In this episode of The New Money Habits Podcast, Coach Nino unpacks the psychology of overspending through a cognitive behavioral lens. From takeout dinners after a long day to impulse buys online, we'll explore common overspending behaviors, the events and emotions that fuel them, and the hidden money beliefs that keep you stuck.

Do you ever walk out of the wholesaler with way more flowers than you budgeted for? Or find yourself adding “just a few extra stems” because you want your work to look next-level amazing? If so, you're not alone. In this minisode of The Floral CEO Podcast, I'm pulling back the curtain on a topic that came directly from a recent coaching call inside the Floral CEO Mastermind: overspending.Overspending is one of the most common reasons florists struggle with profitability — and the truth is, it's rarely just about flowers. Sometimes it's about ego, validation, or fear of not being “enough.” In this episode, I'll help you uncover the root causes, set boundaries with your budgets, and create systems that protect your profits without stifling your creativity.What You'll Learn in This Episode:The subconscious reasons behind overspending (fear, ego, self-worth).Why overspending erodes your profitability and leads to burnout.How to shift your mindset from “more is better” to “enough is enough.”Mantras and affirmations you can use in the moment to stop the cycle.Practical strategies, like building a “fun flower budget,” so you can still feel creative without sabotaging your bottom line.Why your budget is actually a boundary that your future self will thank you for.Key Quotes from This Episode:“Your budget is a boundary your future self will thank you for.”“Stop overspending to prove your worth — your art is enough.”“Fulfillment and profitability must go hand in hand, or resentment takes root.”Why This Episode Matters:As florists, it's easy to feel like “just a little extra” won't matter. But overspending adds up quickly — and it's often the difference between a thriving business and one that's just scraping by. By learning to set intentional boundaries with your designs, you'll not only increase your profits but also build a business that feels aligned and sustainable.Resources & Links Mentioned:Floral CEO Mastermind – Join for monthly live coaching, tools, and community.

In this episode of The TEN, we discuss competing at AFBJJ Nationals tournaments, navigating the rulesets and preparation for it, government overspending and waste, the absurdity of cancel culture, and why people are losing their minds over jeans & MORE

Mr. Joe shares a recent situation in which he had to battle the urge to spend money recklessly. He shares strategies to help eliminate the impulsivity. Mr. Joe continues his episode regarding the topic of Selective Memory. He discusses how mental illness and selective amnesia are related. Please support Mr. Joe, so I can continue on my lifelong podcast journey… https://donate.stripe.com/bIY7vS00WaFfdrydQR Mr. Joe has also started microdosing therapy and highly recommends SoulCybin. They have an incredible selection of products and blends!  Be sure to visit… https://soulcybin.org/mrjoebp  and enter coupon code MRJOEBP to save 15% off your order right now!  In addition, if you would like to browse some amazing chocolate bars, various strains of mushrooms, and dozens of other amazing microdosing products, visit PolkaDot by visiting Mr. Joe's personal link… https://gasstash.com/ref/1000/

What if the real obstacle to entrepreneurship isn't your skill set or background, but the beliefs you hold about money? In this episode of The Angel Next Door Podcast, host Marcia Dawood sits down with Barbara Huson—a celebrated financial expert and the author of seven books—to challenge the limiting money stories that hold women back from investing, building wealth, and stepping fully into their power.Barbara shares her personal journey from financial intimidation and crisis to empowerment, offering relatable anecdotes and the wisdom she's gained from interviewing hundreds of financially successful women. Her expertise shines as she uncovers the neuroscience behind changing your money mindset, and how simple, purposeful steps can transform your financial trajectory.This episode is packed with actionable strategies, including Barbara's “recognize, reframe, and respond” method for rewiring your thinking, and her approachable daily, weekly, and monthly habits for getting smart about money. If you've ever felt daunted by investing or unsure if building wealth is for you, this conversation will leave you inspired and ready to take control—making it a must-listen for anyone seeking confidence in their financial journey. To get the latest from Barbara Huson, you can follow her below!https://www.linkedin.com/in/barbarahuson/https://www.barbara-huson.com/https://www.instagram.com/thebarbarahuson/ Sign up for Marcia's newsletter to receive tips and the latest on Angel Investing!Website: www.marciadawood.comLearn more about the documentary Show Her the Money: www.showherthemoneymovie.comAnd don't forget to follow us wherever you are!Apple Podcasts: https://pod.link/1586445642.appleSpotify: https://pod.link/1586445642.spotifyLinkedIn: https://www.linkedin.com/company/angel-next-door-podcast/Instagram: https://www.instagram.com/theangelnextdoorpodcast/TikTok: https://www.tiktok.com/@marciadawood

Vicky Reynal is a psychotherapist and pioneering financial therapist, who is committed to helping others unpack the emotional layers that impact their personal finances.We know that money is a huge stressor for many people, but we rarely discuss the psychology behind our financial habits.In part one, Vicky unpacks the psychological side of money: why do we overspend? When does being careful with money become a problem?Plus, Vicky and Dr Alex George discuss the importance of understanding what you think money will bring to your life and debate whether money is actually the route to happiness…Follow @vickyreynalpsychotherapy and buy her book ‘Money on Your Mind: The Psychology of Your Financial Habits'. By using our affiliate bookshop you'll help fund Stompcast by earning a small commission for every sale. Bookshop.org's fees help support independent bookshops too! Preorder Happy Habits hereFollow the podcast on Instagram @thestompcastGet the new, pocket guide version of The Mind Manual nowDownload Mettle: the mental fitness app for men Hosted on Acast. See acast.com/privacy for more information.

On this Salcedo Storm Podcast:Corey DeAngelis is a senior fellow at the American Culture Project. He's the author of the new book, The Parent Revolution, rescuing our kids from the radicals ruining our schools.

Episode 4657: President Trump Inspects Fed's Over Spending

Dora and Robin answer questions about dealing with family and inheritances, how to stop overspending, and can meditation really change life-long problems. Try the Headspace app free for 30 days here. Send your questions to our mental health professionals HERE or email ask-a@headspace.com. Follow Robin here or at Well…Adjusting and follow Dora here. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Brian Windhorst is joined by ESPN's Tim Bontemps and Tim MacMahon to discuss LeBron opting in with the Lakers including the fascinating statement that went with it. Then, the guys talk a few teams who spent big in Minnesota & Houston discussing the dangers of overspending with the extra restrictions in the modern NBA. Plus, what does the future hold for Deandre Ayton and more. Learn more about your ad choices. Visit podcastchoices.com/adchoices

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

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