Podcasts about pay yourself first

Most people follow a broken system: get paid, cover expenses, and end the month with nothing left. But if you never pay yourself first, your money can't grow or create freedom. Kris Krohn explains why this single shift is critical to escaping the paycheck-to-paycheck cycle. Start building real wealth by putting yourself at the front of the line.

What does it really mean to be financially sustainable—and how do you actually start? In this special EcoPreneur's Edge edition of the What The Nell!? Podcast, my co-host Mikee and I welcome financial advisor and tech guru Fred Faylona to unpack the real tools, mindsets, and money moves that lead to long-term financial freedom. From breaking the paycheck-to-paycheck cycle to smart debt strategies and finding the confidence to build wealth your way, this episode offers practical advice for anyone feeling stuck or overwhelmed. Fred explains why your relationship with money matters more than you think, how to leverage budgeting as a form of empowerment, and what every entrepreneur or professional should know about financial planning. Whether you're a seasoned business owner or just starting your career, there's something in here for you. Connect with Fred: Call: 717-364-9593 Facebook: https://www.facebook.com/fredfaylona Instagram: https://www.instagram.com/fredfaylona/ CONNECT WITH MIKEE: https://linktr.ee/Metromikee?fbclid=IwY2xjawElovdleHRuA2FlbQIxMAABHai92-qRTCtEdJoMFbygQS9wCZFwucuhEP-f8N6l8yBGp5GvPwt66f1T_A_aem_djwcfRMBzKyHAU9Xt6Bnug Connect with us: What the Nell!? Podcast Website Join the What the Nell!? Podcast Facebook group HERE! Grab a copy of Nell's #1 Bestseller, Curvature of the Career, HERE! Connect with Nell on Social Media: Facebook Instagram Produced by enTICEing Media, LLC  

If you'd love to get off the hamster wheel of earning money to pay this month's debt installments and instead learn how to invest so you can achieve financial freedom, then read on.USEFUL LINKS:To Access the Show Notes go to: https://demartini.ink/4hhAEJ5Watch the Video: https://youtu.be/nliN711z1JYLearn More About The Breakthrough Experience: demartini.fm/experienceLearn More About The Demartini Method: demartini.fm/demartinimethodDetermine Your Values: demartini.fm/knowyourvaluesClaim Your Free Gift: demartini.fm/astroJoin our Facebook community: demartini.ink/inspiredMentioned in this episode:The Breakthrough ExperienceFor More Information or to book for The Breakthrough Experience visit: demartini.fm/seminar

Punon fort, por në fund të muajit nuk të mbetet asgjë? Ky është një nga gabimet më të mëdha që […] The post Ep 283 PAY YOURSELF FIRST! Rregulli #1 për Fitim dhe Liri Financiare! appeared first on EMI - Coaching and Consulting.

Welcome to the Social-Engineer Podcast: The 4th Monday Series with Chris Hadnagy and Mike Holfeld. Chris and Mike will be covering cutting edge global news to help people remain safe, secure and knowledgeable in a world where it is hard to know what is real and what is fake news. Today Chris and Mike are joined by Nancy Hecht. Nancy started in the financial service business in 1983 as a registered Rep, moved to Certified Financial Group in 1988, and became a CFP in 1994. She is now a fee-based CFP where she provides comprehensive planning and investment management. [March 24, 2025]   00:00 - Intro 00:18 - Mike Holfeld Intro 00:46 - Today's Guest: Nancy Hecht 01:08 - Topic of the Day: Financial Advice 01:31 - The Ever-Changing Future of Taxes 02:51 - Roth IRA vs 401K 05:35 - The Difference Between Need and Want 07:54 - Prepping for Retirement 11:37 - Being Diversified 13:11 - Crypto 15:05 - Toe in the Sock Money 16:49 - The Big 5 17:41 - Pay Yourself First 18:37 - Basic Tips 19:11 - Don't Panic! 21:09 - Closing Advice 22:32 - Find Nancy Hecht Online -          Website: hechteffect.net -          Email: n.hecht@financialgroup.com -          Phone: 407-869-9800 22:52 - Wrap Up 23:19 - Next Month: Baseball Technology 24:12 - Outro -          www.social-engineer.com -          www.innocentlivesfoundation.org   Find us online: -          Chris Hadnagy -          Twitter: @humanhacker -          LinkedIn: linkedin.com/in/christopherhadnagy

Allie and Quint talk about paying yourself first and what it means to save before you spend.

Quanto estaria disposto a pagar por um bilhete para um grande jogo de basquetebol? E será que o método de pagamento – dinheiro físico ou cartão – influencia essa decisão?Neste episódio, Filipa Galrão e o especialista em finanças Diogo Mendespartilham estratégias para criar um orçamento familiar equilibrado, incluindo a regra 50/30/20 e a técnica «Pay Yourself First» – capazes  de transformar as nossas fragilidades psicológicas numa motivação para poupar.À boleia da neurociência, exploram ainda como a desmaterialização do dinheiro está a transformar os nossos hábitos de consumo.Se quer saber como passar de um gasto de 72 para 4 euros num ano, mas ainda acha que «no poupar é que está o ganho», então esta é mesmo a conversa certa para si.REFERÊNCIAS E LINKS ÚTEISWARREN, Elizabeth & TYAGI, Amelia Warren, «All your worth: The Ultimate Lifetime Money Plan», 2005, Free Press. (livro que populariza a regra 50/30/20)PRELEC, Drazen & SIMESTER, Duncan, «Always Leave Home Without It: A Further Investigation of the Credit-Card Effect on Willingness to Pay», 2001, Marketing LettersBANKER, Sachin & Prelec, Drazen, «How credit cards activate the reward center of our brains and drive spending», 2021, MIT Sloan«Mais de metade dos portugueses têm serviços de streaming», jornal Público (Marktest)«Salário médio subiu para 1142€», Rádio RenascençaRelatório do 4º Inquérito à Literacia Financeira da população portuguesaBIOSDiogo MendesProfessor de Finanças na Stockholm School of Economics. Doutorou-se em finanças pela Nova School of Business and Economics, tendo passado pela London School of Economics e Imperial College London. Tem investigação nas áreas de literacia financeira, finanças da empresa e economia do desenvolvimento. Faz parte da equipa de coordenação do programa “Finanças para Todos” com o intuito de promover melhores práticas financeiras em Portugal.Filipa Galrão A Filipa vive no campo, mas é à cidade que vai quando precisa de euforia, seja em festivais de música ou no Estádio da Luz. Estudou Comunicação Social e Cultural na Universidade Católica. Em pequena, gravava o diário em K7, em graúda agarrou-se aos microfones da Rádio. Depois da Mega Hits e da Renascença, é agora uma das novas vozes da Rádio Comercial. Já deu à luz 1 livro infantil - Que Estranho!- e 2 filhos.

I'd love to hear from you 'text the show'Welcome to the Treat Your Business Podcast!

Welcome back to another episode of Magic Moments from the UFD Podcast.   Today I want to dive into something I'm super passionate about - how to actually build wealth through your business in a smart way.   I've been in the trenches with this stuff and I want to share what I've learned about pulling value from your business while keeping it healthy and tax-efficient. Whether you're just starting out or you're already crushing it, I think you'll get a ton of value from this episode.   I'm going deep into the nitty-gritty of financial planning that actually works. The real stuff - like how to pay yourself properly through a mix of salary, dividends, and director's loans. I've learned some hard lessons about this over the years and I want to help you avoid those mistakes.   The big things I cover in this episode:  

Need a merchant account? Get in touch! ➡️ directpaynet.com/contact-usJason Schappert has been an entrepreneur his entire life and is here to share the ins and outs of building wealth as a business owner. One of the greatest pieces of advice he gives is to PAY YOURSELF FIRST. Listen and watch as he dives into how to invest, what to invest in, how to pay yourself, and taking your business to the next level.Get in touch with Jason:https://www.facebook.com/MoolaCopilot/https://www.instagram.com/jasonandmagda/https://www.linkedin.com/in/jasonschappert/https://x.com/jasonandmagdaYoutube @JasonandMagda http://www.moo.la/Upsell Tactics: https://www.youtube.com/watch?v=s7T_MwCENX4&t=606sChargeback Mitigation: https://www.youtube.com/watch?v=5P6IDLmMkoI0:00 Meet to Jason Schappert4:56 AI, Crypto, Finance9:55 Moola13:04 Best Tip for Building Wealth22:38 How to Invest as a Business31:22 Balance Business v Personal Funds34:51 Crypto Portfolio Percentage38:11 Real Estate Portfolio Percentage44:13 Outro

Hier der Link zu meiner kostenlosen Tabellenvorlage für deine Haushaltsrechnung:

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 2969: Ryan H Law highlights the transformative power of "paying yourself first," a foundational personal finance principle. By automating savings through strategies like 401(k) contributions, Roth IRAs, or direct deposits into savings accounts, you can build long-term wealth effortlessly. This approach fosters discipline and prioritizes future financial security over impulsive spending. Read along with the original article(s) here: https://ryanhlaw.com/how-to-pay-yourself-first/ & https://ryanhlaw.com/automate-your-finances/ Quotes to ponder: "Poor people spend their money and save what's left, while rich people save their money then spend what's left." "A part of all I earn is mine to keep." "Paying yourself first is all about deploying the gap: maybe some goes to beefing up your emergency fund, and another portion gets thrown at debt." Episode references: Policygenius: https://www.policygenius.com The Richest Man in Babylon: https://www.amazon.com/Richest-Man-Babylon-George-Clason/dp/1505339111 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 2969: Ryan H Law highlights the transformative power of "paying yourself first," a foundational personal finance principle. By automating savings through strategies like 401(k) contributions, Roth IRAs, or direct deposits into savings accounts, you can build long-term wealth effortlessly. This approach fosters discipline and prioritizes future financial security over impulsive spending. Read along with the original article(s) here: https://ryanhlaw.com/how-to-pay-yourself-first/ & https://ryanhlaw.com/automate-your-finances/ Quotes to ponder: "Poor people spend their money and save what's left, while rich people save their money then spend what's left." "A part of all I earn is mine to keep." "Paying yourself first is all about deploying the gap: maybe some goes to beefing up your emergency fund, and another portion gets thrown at debt." Episode references: Policygenius: https://www.policygenius.com The Richest Man in Babylon: https://www.amazon.com/Richest-Man-Babylon-George-Clason/dp/1505339111 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 2969: Ryan H Law highlights the transformative power of "paying yourself first," a foundational personal finance principle. By automating savings through strategies like 401(k) contributions, Roth IRAs, or direct deposits into savings accounts, you can build long-term wealth effortlessly. This approach fosters discipline and prioritizes future financial security over impulsive spending. Read along with the original article(s) here: https://ryanhlaw.com/how-to-pay-yourself-first/ & https://ryanhlaw.com/automate-your-finances/ Quotes to ponder: "Poor people spend their money and save what's left, while rich people save their money then spend what's left." "A part of all I earn is mine to keep." "Paying yourself first is all about deploying the gap: maybe some goes to beefing up your emergency fund, and another portion gets thrown at debt." Episode references: Policygenius: https://www.policygenius.com The Richest Man in Babylon: https://www.amazon.com/Richest-Man-Babylon-George-Clason/dp/1505339111 Learn more about your ad choices. Visit megaphone.fm/adchoices

Welcome to another episode of Founders Club! On this episode we'll be talking to RJ Pepino about The "Pay Yourself First" Real Estate Investing Strategy.   Connect with Founders Club Host Oliver Graf on Instagram: @OliverGraf360   In this episode of Founders Club, host Oliver Graf sits down with real estate investor RJ Pepino to break down the powerful "Pay Yourself First" strategy for building lasting wealth through real estate. RJ shares his step-by-step process for flipping properties, scaling a multi-million dollar portfolio, and creating a steady stream of passive income.   Do me a solid and…   Leave a 5 star review!   Find me on Instagram: @OliverGraf360   Founders Club TikTok: @FoundersClubPodcast   Subscribe to my YouTube channel: http://www.youtube.com/c/OliverGrafTV  

In the latest episode of Charles Kelly Money Tips Podcast, we dive into one of the most powerful personal finance strategies: Pay Yourself First. This simple, yet effective concept can transform your financial future and help you build wealth faster. What does it mean to pay yourself first?  Watch video version - https://youtu.be/BVwkFqJ3iYQ It means prioritizing your savings and investments before spending on anything else. Instead of waiting to see what's left at the end of the month, you set aside a fixed percentage of your income as soon as you get paid. This could be for your emergency fund, retirement account, or investments. By automating this habit, you're ensuring that you're consistently saving and investing for your future. This strategy helps you avoid the common trap of overspending and ensures that you're always moving closer to your financial goals. Whether you're aiming for early retirement, a big purchase, or simply financial security, paying yourself first is the foundation to achieving it. How can you start? Set up an automatic transfer to a savings or investment account the same day you receive your salary. Start with a small percentage and gradually increase it as you get comfortable. Paying yourself first helps you create financial discipline and builds long-term wealth without effort. For more tips on managing your money and building wealth, subscribe to the Charles Kelly Money Tips Podcast on YouTube!  3 Steps To Unlocking Financial Freedom! I want to take you to the next level, help you get control of your money, learn how to invest and become financially free.  Join me online on my free live money management training Wednesday at 7.00PM.  Places are limited, so register now below to avoid disappointment. https://bit.ly/3QPp8IH #finance #moneytraining #moneymanagement #wealth #money #marketing #sales #debt #leverage #property #investment #Homeownership #financialplanning #moneymanagement #financialfreedom #section24tax #financialindependenceretireearly #RentersRightsBill #BuyToLet #LandlordLife #UKPropertyMarket #TenantsRights #RentalProperty #PropertyInvestment #LandlordChallenges #RentControl #PropertyStandards #inflation #Fixedratemortgage #PayYourselfFirst #FinancialFreedom #WealthBuilding #MoneyManagement #CharlesKellyMoneyTips #PersonalFinance #InvestingTips

Jesse's running the show solo this week, bringing with him some interesting perspectives on tax tricks, whether you should rent or buy, and college education. In this episode, you'll hear why side hustles might just be a waste of time, what makes detailed budgeting overrated, and how you're actually spoiled just by having a queen sized bed! This episode is great if you're looking for a few reminders, grounding advice, or a few different opinions. Key Takeaways: • Reasons why you shouldn't rely solely on your stocks for your early retirement. • The 50% Rule for 529 College Savings Plans. • What makes a side hustle a waste of time? • Why renting might be the right decision. • How perspective shows you're actually spoiled! • Is your advisor a professional? Or a hack? Key Timestamps: (02:51) Critique of the FIRE Movement (05:50) Debunking Tax Hacks (09:08) The 50% Rule for 529 Plans (13:22) Primary Home: Not an Investment (15:18) The Reality of Side Hustles (19:41) Rent vs. Buy: A Balanced View (25:21) Living a Life of Luxury (32:10) Reevaluating Detailed Budgeting (36:52) The Spectrum of Financial Advisors (41:38) Pay Yourself First, But Not Too Much (42:50) Essential Thoughts for True Wealth (46:02) Conclusion and Final Thoughts Key Topics Discussed:The Best Interest, Jesse Cramer, Rochester New York, financial planner, financial advisor, wealth management, retirement planning, tax planning, personal finance Mentions:Factfulness: Ten Reasons We're Wrong About the World--and Why Things Are Better Than You Think by Hans Rosling, Anna Rosling Rönnlund, and Ola Rosling “I Wouldn't Know Where to Start” – 16 Questions to Ask A Financial Advisor by Jesse Cramer 11 Essentials of Client Service More of The Best Interest:Check out the Best Interest Blog at bestinterest.blog Contact me at jesse@bestinterest.blog The Best Interest Podcast is a personal podcast meant for educational and entertainment. It should not be taken as financial advice, and is not prescriptive of your financial situation.  

You've heard the adage, "Pay yourself first." So, why is that bad advice?In Queer Money episode 560, hosts John and David debunk the traditional 'pay yourself first' advice and provide a comprehensive approach to managing finances tailored for the LGBTQ+ community. They explain the importance of prioritizing savings and retirement accounts before spending on discretionary items. The episode introduces a new strategy of allocating funds to your future self, past self, and present self in that order. This approach aims to enhance financial well-being and ensure long-term financial security while still enjoying present-day pleasures.Topics Covered:00:00 Introduction: Busting the Myth of 'Pay Yourself First' 00:12 What Does 'Pay Yourself First' Really Mean? 01:33 The Reality of Paying Yourself First 03:07 A New Approach: Paying Yourself in Three Ways 04:39 Why This New Approach Works 06:43 Conclusion and Upcoming EpisodesFollow us:Queer Money InstagramQueer Money YouTubeQueer Money on TiktokConnect with John on LinkedInConnect with David on LinkedInMentioned in this episode:Subscribe to the Queer Money Weekly NewsletterSubscribe here to get weekly money tips, show notes, Queer Money take-aways, give-aways, access to events and more.Subscribe to the Queer Money weekly newsletter

      Pay Yourself First | episode 281 In today's episode, we're diving into the concept of “Paying Yourself First,” a powerful lesson from Robert Kiyosaki's book, Rich Dad Poor Dad. While many of us were taught to cover our bills and expenses first, Kiyosaki's approach flips that script. The idea is to prioritize […] The post Pay Yourself First | episode 281 appeared first on Survivalpunk.

Financial expert Shannon Novosel shares her journey to financial independence and the importance of an abundance mindset. From strategic saving to giving back, she offers powerful insights on achieving financial wellness and balance in relationships. Listen to this episode if you're ready to transform your approach to money and gain lasting financial confidence.Topics covered in this episode:Financial Health for WomenStrategic Saving and InvestingConsistency in Wealth-buildingPhilanthropy and Giving BackAbundance vs. Scarcity MindsetFinancial Mentorship and LearningImportance of BudgetingPremarital Financial CounselingManaging Finances in RelationshipsPersonal Finance IndependenceFinancial Goal-Setting and DisciplineWe hope you enjoyed this episode. If you would like to be a supporter of the show, head to www.lindseyelmore.com/supporter Your contribution helps us to bring the best guests into our interview chair. Thank you for listening. Come check us out at www.spreaker.com/show/the-lindsey-elmore-showBecome a supporter of this podcast: https://www.spreaker.com/podcast/the-lindsey-elmore-show--5952903/support.

Send us a textIn this episode of Boosting Your Financial IQ, Steve Coughran emphasizes the importance of proactively managing finances in both business and personal life by following a simple yet powerful principle: pay yourself first. He guides listeners on how to set aside profit consistently by calculating a desired profit percentage, establishing a separate profit account, and making monthly transfers. Steve explains that if transferring money isn't possible, it acts as an early warning sign of potential issues like insufficient working capital or low profitability. He discusses managing accounts receivable, inventory, and accounts payable to maintain healthy cash flow and sustain business operations. Applying this approach enables smarter financial decisions, enhances long-term growth, and avoids common pitfalls that can undermine profitability. Steve encourages listeners to adopt this method to secure their financial future and make disciplined spending choices that contribute to lasting success.Here's how to get started with Boosting Your Financial IQ:Step 1:  Test your financial IQ for FREEStep 2: Download the FREE appStep 3:  Take the Fundamentals of Finance courseDisclaimer:BYFIQ, LLC is a wholly owned entity of Coltivar Group, LLC. The views expressed here are those of the individual Coltivar Group, LLC (“Coltivar”) personnel quoted and are not the views of Coltivar or its affiliates. Certain information contained in here has been obtained from third-party sources. While taken from sources believed to be reliable, Coltivar has not independently verified such information and makes no representations about the enduring accuracy of the information or its appropriateness for a given situation.This content is provided for informational purposes only, and should not be relied upon as legal, business, investment, or tax advice. You should consult your own advisers as to those matters. References to any securities or digital assets are for illustrative purposes only, and do not constitute an investment recommendation or offer to provide investment advisory services. The Company is not registered or licensed by any governing body in any jurisdiction to give investing advice or provide investment recommendations. The Company is not affiliated with, nor does it receive compensation from, any specific security. Please see https://www.byfiq.com/terms-and-privacy-policy for additional important information.Get the free BYFIQ app and Starter Course here: https://www.byfiq.com/app Support the show

This episode is for anyone who's ever said, "I wish I could just save more money" because we're spilling the tea on how it's done (and more specifically, how to automate it)  PAY YOURSELF FIRST. Yes, it sounds simple, but it's the kind of simple that's surprisingly difficult to pull off when you're battling bills, student loans, and a dozen ads featuring the latest shiny thing every time you look up. That's where automation comes in. We're talking about setting up systems that make saving money a habit, not a chore. We'll break down why "pay yourself first" isn't just another cheesy motivational slogan, 4 different ways to automate your savings and investments, how you can use your raises and windfall money to your advantage, and a way to apply ‘pay yourself first' to your everyday expenses that can actually lead to major savings.Links: Sign up for Acorns todayEpisode 154 - Why you need a plan for unexpected “windfall” money Episode 97 - Modern Couponing  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

Here’s a simple, 10 minute strategy that will enable you to save money very quickly and easily – you will always be sure that you are saving enough without worrying about it. Show notes and transcript at: Pay Yourself First: The Fastest and Easiest Way to Save Money Here’s a simple, 10 minute strategy that ... Read More

Having a structured financial strategy is crucial for financial success. Paying yourself first by saving 20% of income is a smart strategy. Dollar cost averaging is an effective investment strategy. Utilizing permanent life insurance can provide cash accumulation and tax advantages. Tax planning is essential for 1099 employees to optimize their finances. It's never too late to start saving and investing. Optimize finances before investing by paying off high-interest debt Work with a financial advisor to create a personalized plan Budgeting provides a holistic view of expenses and helps prioritize financial goals Use tools and resources to track expenses and gain financial knowledge Consider stocks and bonds as part of a diversified investment strategy Virtual meetings with a financial advisor are convenient and effective

When it comes to your finances, it takes some time to learn the proper lessons to achieve financial goals. With the right mindset and understanding you can use the money you earn to build wealth and eventually reach financial independence.  Links: Check out TCU University for more 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.  For anyone looking to be financially independent, it's critical to understand some fundamental financial principles to follow that can help you get there.   Although everyone's financial road map is a little different because goals and experiences are different, there are some financial principles that can help you build wealth over time and achieve financial independence.  Pay Yourself First (save early, save often) Why are you working and earning money? Is it to make yourself wealthy or to make someone else wealthy? The fact is that when you bring in money, yes, you're getting paid, but if you don't keep any for yourself because you spend it all then you didn't build any wealth for your future. Whenever you pay money to anyone else, whether it's an item you buy at the store, or money spent for a vacation, you're not contributing to making yourself fiscally rich, you're contributing to making someone else rich.  This is why budgeting is so important. It ensures you'll have enough money to pay for the necessities of life, some for your enjoyment and well-being, but also putting some aside for yourself. Try to set some of your money aside for saving in a regular savings account, CD, Money Market or investment account over time. As it accumulates, you'll be building wealth for yourself.    Consider the true value of what you buy Everything you buy has a value to it that is more than just the price you pay for it. Some things hold value for a long time and even go up in value, while other things depreciate, sometimes so fast, you're buying a new one within the next two months.  Being an informed shopper will help you determine whether the higher quality, more expensive item is worth the purchase, or if the cheapest item is the way to go.  Some key factors to consider when purchasing are as follows: the cost – how much will you pay for it. The quality – what are the materials and are they long lasting or more disposable. The usefulness – how does this item affect my immediate and future needs. The lifespan – How long will this item last?  There are many instances where buying the cheapest item is the most economical way to go. But remember that for many things in life, you get what you pay for. Understanding the cost and value of the items you purchase will help you make an informed spending decision and avoid wasting money.  Understand what credit IS and ISN'T Remember credit is NOT your money, nor is it your wealth. Credit is the ability to borrow money to buy something now, with the agreement that it'll be paid back later.  But, many people forget that their credit limit and lines aren't the same as having cash in the bank. Every cent on the credit balance needs to be repaid. Using credit isn't a bad thing, since many people use credit lines for emergency purposes or to get cash back and other rewards programs for purchases. The danger lies in the thinking that credit is your cash and thereby the temptation to overspend is great. If you manage your credit cards correctly, by paying your balance every month, then you can use your credit for beneficial purposes. Credit is a useful tool that can give you a lot of buying power, but it needs to be treated with respect and care.   Be Patient Our impatience holds a large influence over our spending tendencies. It also impacts our trajectory towards financial independence. As the saying goes, Rome wasn't built in a day, and the absolutely applies to building wealth. Don't expect to be at the finish line the day you start the race. It will take careful planning and time to get to your destination. You need the motivation to begin, but the endurance to continue.  Impatience can sabotage even the most well-conceived plan because along this journey you'll get tired, feel like you're not making progress, and sometimes consider giving up, but don't. Understand that this is a process and with consistent, steady action, you'll build wealth and achieve your financial goals.  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 our sponsor, Triangle Credit Union, 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!   

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Submit your question to the show! Are you paying yourself consistently in your business? This is an issue that many entrepreneurs face. For me, Profit First truly shifted the way I do business. Listen in as I share how implementing Profit First allowed me to become the CEO of my business and pay myself consistently while also giving purpose to my work.This conversation originally took place on my friend Val Marlene's podcast and I can't wait for you to hear this episode.Ad hereIn This Episode You'll:Explore how Profit First can change your business.Learn the three common misconceptions photographers have about money.Hear my own Profit First percentages.Find it quickly:3:44 – My Profit First Journey11:14 – Transitioning to the Profit First Method With Your Spouse13:16 – Separating Yourself From Your Business With the Profit First Method17:17 – My Percentages21:42 – Three Common Misconceptions Photographers Have About Money27:19 – Money Advice for PhotographersMentioned in this Episode:Profit FirstCreative Income Cure with Val MarleneConnect with Val:valmarlene.comvalmarlene.com/podcastinstagram.com/valmarleneMore ways to connect:JOY MICHELLE INSTAGRAMWORK WITH JOY AS YOUR COACHJOY MICHELLE CO. WEBSITERead the full show notes from today's episode HERE.CLICK HERE TO GET 50% OFF YOUR FIRST YEAR OF HONEYBOOK!If you're enjoying the content we're creating on the podcast and want to connect with others who are called to both, make sure you come join us in the PhotoBoss® with Joy Michelle Facebook Group! Join Now >>

I recently had the pleasure of chatting with Erika Dox-Martinez of Bli$$ful Vida, a Latine-owned business dedicated to helping you improve your financial situation.Erika's story is truly inspiring. In this episode, she shared her journey of overcoming financial difficulties, breaking generational cycles, and transforming her approach to money. From lacking financial literacy to dealing with significant debt, Erika faced it all. But she didn't let these challenges define her. Through determination and strategic planning, she paid off her debt and started a successful financial coaching business to help others achieve financial freedom. Erika's deep understanding of our financial habits as Latine people offers hope to our familias. She shares a lesson that can change our financial futures:  Pay Yourself First.  For the full episode, please visit our website: www.corpcafecito.comTo learn more about Erika, please visit:

According to the Institute for Women's Policy Research, while white women earn 82 cents for every dollar earned by a white man, Black women earn just 64 cents. Dasha Kennedy says that for Black women specifically, there are a myriad of reasons for that.  Dasha Kennedy is the founder of the Broke Black Girl, where she shares her personal journey of overcoming financial struggles and specific advice for Black women. This Black Women's Equal Pay Day, she joins us to talk about how she's pushing back against the gender wage gap and her favorite ways to save money in 2024. Have a question for us? Write in at mailbag@hermoney.com. Chapters: 00:00: Introduction 07:45: Creating Broke Black Girl 11:06: Spending Intentionally 16:22: Pay Yourself First vs. Prioritize Savings 17:57: Collecting Experiences Over Things 19:52: Debt Strategies 22:22: Renting vs. Buying 27:07: Mailbag Segment 29:01: Understanding Mutual Fund Fees 36:25: Credit Score Variability Takeaways: The gender pay gap is a persistent issue, and Black women face an even larger gap compared to white women. Black women need specially tailored financial advice due to their unique experiences as the intersection of race and gender. Strategies for overcoming debt include spending intentionally, setting spending limits, and prioritizing savings. Collecting experiences can be more fulfilling than collecting material possessions. Taking small steps and breaking down financial goals into manageable increments can lead to long-term progress. Join the HerMoney community! For the latest episode drops and financial news-you-can-use, subscribe to our newsletter at Hermoney.com/subscribe! The HerMoney with Jean Chatzky podcast is sponsored by Edelman Financial Engines. The podcast team and its host are neither employees nor clients of EFE, however, the show does receive fixed compensation and is a paid endorser and therefore has an incentive to endorse EFE and its planners. To learn more about the sponsorship, please visit PlanEFE.com/HerMoney. Please contact advertising@airwavemedia.com if you would like to advertise on our podcast, and to learn more about Airwave, head to www.airwavemedia.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, we explore the transformative concept of "Pay Yourself First" and how applying it beyond finances can improve our creative lives. In a world that pulls us in a million directions, prioritizing our own needs is crucial for maintaining energy, creativity, and well-being. I'll discuss why creators feel burned out, signs of self-neglect, and why we put ourselves last. Most importantly, I'll share practical strategies to reclaim our time and focus, ensuring we invest in ourselves first for a more balanced and fulfilling life. Some highlights we explore: How the principle of "Pay Yourself First" can transform your creative life. Recognizing and addressing the hidden signs of burnout. Practical tips to reclaim your mornings and set a positive tone for the day. Simple strategies for prioritizing your health and well-being every day. Enjoy!

A Daily Move Swiftly Thought, in which I speak on the things I learned from listening the audible version of a book titled, "Profit First," by Michael Michalowicz. MakeYaMove.com D1Transfer.com AswandC.com

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Quotes Series #0124 “Pay Yourself First” In this episode we consider the classic saying from Robert Kiyosaki, to “Pay Yourself First” One of the key principles from Nash, “Don't be afraid to capitalize”, goes right along with this quote of paying oneself first and it is worth assessing. Consider becoming your own banker. LIVE & LEAVE A LASTING LEGACY If you have any topics you'd like to see covered, if you have any questions concerning this video or another or if you would like to request a webinar meeting to personally discuss how you can practice the Infinite Banking Concept as described in R. Nelson Nash's book Becoming Your Own Banker, please contact us at: www.durhamtalents.com All content on this channel is for informational purposes only. Please contact your own Attorney, Financial Planner, Tax Consultant, or other appropriate professional as necessary.

Ever made a financial mistake that made you cringe? Share your experience and let's start a conversation about financial decisions. Your insights could help others avoid similar missteps. Let's engage!

Steven Step joins us again today to explain the concept of “Paying Yourself First”. He explains that your money should only go to 6 places:SavingsTaxesInsurance (Life, Health, Long Term Care)DebtInvestingThe Bank on Yourself Program helps you to save tax free in all of these areas. Additionally, you can use it to pay off debt and invest. It even gives you a way to finance and recapture the cost of cars, trips and other big-ticket items so be sure to listen to this show and learn how to improve your financial future.Steven Step can be reached for consultation at:stevenstep@sbcglobal.net LinkedIn

Note: This episode is a re-run of one of our older episodes. It originally aired on 8th June 2017

We have a Market MakeHer short and sweet Q&A for you today regarding investing a little bit later. Question from listener @spacey on TikTok: Should I be worried if I haven't started investing yet and I'm approaching 40? Short Answer: No, but get started ASAP! Like we've said in previous episodes, time in the market is your best strategy. Cut down expenses and invest as much as you can (within reason). Social Security If you have been working, then you have social security. There's a government social security tool that can help you figure out how much you might be getting in those benefits. Other Investments If you have a home, that's an investment that can help you out later, or you might have other assets. Money Mindset We'll have an episode on this. Everyone has a different kind of relationship with money. Stay logical with your money instead of emotional. Check out Episode 25: Pay Yourself First for more budgeting tips. Keep sending in your questions! Comment, like, share, subscribe or leave us a review to help us with our mission of sharing financial literacy with everyone! Still Confused? Have More Questions or a Comment? Holla @ us on: Market MakeHer ⁠⁠website⁠⁠ Instagram ⁠⁠@marketmakeherpodcast⁠⁠ TikTok ⁠⁠@marketmakeher⁠⁠ X/Twitter ⁠⁠@MarketMakeHer⁠⁠ Join the Money Coven ⁠⁠FB Community⁠⁠

In this episode of Money Grows on Trees: The Podcast, host Lloyd Ross, Your Millionaire Money Mentor, reveals the four essential steps to getting richer in 2024. With practical advice on managing, making, and multiplying money, as well as developing a positive money mindset, Lloyd provides a clear roadmap to financial success. From auditing your expenses to earning extra income and investing smartly, this episode offers a simple yet comprehensive plan to improve your financial situation. Tune in to discover how these steps can help you achieve financial peace and build your net worth in the year ahead.

Welcome back to Alchemy for Authors! In this week's episode I chat with international bestseller, award-winning author, and founder of the Alliance of Independent Authors, Orna Ross. Orna shares all about her Go Creative Planning program and how it can bring you closer to your author goals. Other topics we discuss include: ·       The importance and willingness to pivot throughout your author career. ·       Why scheduling more Creative Rest and Play is essential for boosting creativity and productivity. ·       The magic of Free Writing and meditating to move through resistance and blocks. ·       Why it's so important to pay yourself first even when you're not making the big bucks. ·       Why Orna will be using Kickstarter for all her launches going forward, and why you might want to consider doing the same. ·       Why you should always go for the BIG goal! If you've been struggling to achieve the author goals you've set for yourself, or you're feeling overwhelmed and burnt out from doing ALL the things, then this episode might just be the lifeline you've been waiting for. Visit Orna's website here: https://ornaross.com/ Visit Orna's Patreon to learn more about her Go Creative Planning and Kickstart With Me programs, here: https://www.patreon.com/ornaross/ Follow Orna on Instagram here: https://www.instagram.com/ornaross.author/ Learn more about the Alliance of Independent Authors (ALLi) here.  Find out more about Kickstarter here.  Find Russell Nohelty's book Get Your Book Selling On Kickstarter here. If you enjoyed this episode please subscribe, rate and review. You can also support the show by buying me a coffee at https://www.buymeacoffee.com/jobuer. Your support helps me keep this podcast going and is greatly appreciated. Follow me on Instagram: @alchemyforauthors and @jobuerauthor. Join my Alchemy for Authors newsletter and download your FREE copy of Manifestation for Authors here.  If you enjoy Gothic Suspense, you can join my reader's newsletter and download a FREE copy of my short story collection, Between the Shadows, here. You can find all my books at https://jobuer.com or visit https://Books2Read.com/JoBuer for links to your favourite store. Visit my website for the full transcript of this episode: https://jobuer.com/alchemy-for-authors/

Does this sound familiar? As a female entrepreneur you've been told to simply work harder and you'll see success. But let's be honest, that approach isn't working. You're feeling the pain of putting in endless hours without seeing the profitability you deserve, constantly running on a hamster wheel and getting nowhere.In this episode, I chat with Pamela Jean about how to create a mindset shift that empowers you to prioritize profitability and overcome obstacles so you can thrive as an entrepreneur.

Do I add money to my emergency account before maxing out my IRA? When do I put my funds into a taxable account? What makes the most sense for ME? In this episode, we cover the order of events of how to pay yourself -- and some of the nuances you may want to consider as you enter various life stages. This is not a one size fits all formula. We'll help you think through that! We do discuss the importance of budgeting and what happens when you have excess income: paying yourself. We cover topics like saving for a rainy day, maxing out company benefits, paying down credit card debt, and high-interest rate loans. We also explore the benefits of health savings accounts (HSAs) and the importance of maxing out IRAs and 401(k)s. Additionally, we discuss the value of saving for children's future financial needs. Financial independence is a personal journey that requires regular evaluation and adjustment. We talk about the importance of understanding the differences between retirement accounts and taxable accounts, and the flexibility and freedom that comes with taxable accounts. Takeaways: Save for a rainy day by building an emergency fund. Maximize your company benefits, such as 401(k) matching. Prioritize paying down high-interest rate debt, such as credit card debt. Consider the benefits of health savings accounts (HSAs) for medical expenses. Max out your contributions to IRAs and 401(k)s for retirement savings. Save for your children's future financial needs. Understand the differences between retirement accounts and taxable accounts Consider the flexibility and freedom of taxable accounts Start investing as early as possible, but it's never too late to start Create a plan for excess income and be mindful of money mindset and habits Still Confused? Have More Questions or a Comment? Holla @ us on: Market MakeHer ⁠⁠⁠⁠website⁠⁠⁠⁠ Instagram⁠⁠ ⁠⁠@marketmakeherpodcast⁠⁠⁠⁠ TikTok⁠⁠ ⁠⁠@marketmakeher⁠⁠⁠⁠ X/Twitter⁠⁠ ⁠⁠@MarketMakeHer⁠⁠⁠⁠ Join the Money Coven⁠⁠ ⁠⁠FB Community⁠⁠⁠⁠

In this episode we go over the absolute basics of your studio finances and how to get time back with tools to help you grow your studio without doing it all manually. I am not sponsored or affiliated with the resources linked below, however you have my personal recommendation and endorsement! Dance Studio Pro: 30 Day Free Trial https://resources.dancestudio-pro.com/dancestudio-pro-free-30-day-trial-0-0 Calendly: https://calendly.com/features Trello: https://trello.com/courtneyjay/recommend CRM/Email Database: I use Active Campaign - https://ActiveCampaign.referralrock.com/l/1SPIIDOJ9JA/ -------------------- Courtney Jay TCRG here, host of TCRG to CEO Radio, the podcast for Irish dance teachers, studio owners, and aspiring teachers/studio owners who want to learn teaching and business skills to succeed in their careers, impact more students, and raise the glass ceiling of their success! I am the owner and director of Scoil Rince Luimni based in Connecticut, USA and am passionate about teaching, entrepreneurship, and mentoring others. TCRG to CEO Radio hopes to bring Irish dance professionals together, provide actionable tips and strategies you can easily implement, and share our stories & struggles to better our understanding of the realities of teaching and business ownership. SUBSCRIBE TO THE SHOW! FIND US ONLINE: WWW.COURTNEYJAYTCRG.COM/PODCAST.HTML FOLLOW ON INSTAGRAM: @courtneyjay_tcrg FACEBOOK GROUP: WWW.FACEBOOK.COM/GROUPS/TCRGTOCEO

In this episode you will learn the difference between tradition budgeting and "pay yourself first" budgeting, when your debt-to-income ratio dictates paying down debt, and if you are on track to retire when you want to retire.Leave us a 5-star review! Check out the Palm Valley Wealth Management WebsitePalmValleywm.comCheck us out on InstagramLinkedIn FacebookListen to the Podcast Here! AppleSpotify

In the spirit of the New Year, what better way to begin 2024 than having that difficult but needed conversation with yourself about finances? From credit scores to mortgages to savings to side hustles. This episode gives you all you need to kick start your personal finance journey. 00:00 - Intro 05:47 - Guest Intro 11:51 - How to approach your savings 28:34 - The truth about credit cards 33:21 - Improving and tackling your credit score36:11 - What to do if you've been involved with fraud 39:00 - Getting on to the property ladder44:55 - Paying bills and buying a house in a relationship 46:56 - The NFT & Crypto hype!54:18 - Dinner with Jay-Z or 500K Cash?58:37 - Starting your side hustles 1:03:25 - Q&A from Instagram followers 1:09:37 - Outro & last bits of advice  DONATE GENEROUSLY VIA THIS LINK: https://www.sktwelfare.org/palestine-emergency-appeal/?gad_source=1&gclid=EAIaIQobChMIxoCm4Z2UgwMVyoRoCR2gaQ8DEAAYASAAEgJf-PD_BwEI want to hear YOUR feedback! Drop me your thoughts in the comment section below. What was your favourite part? Who else do you want to see on the show? Join the discussion on Twitter by using the hashtag #NBSpod (or tag me @hxiderali) don't forget to LIKE & SUBSCRIBE if you enjoyed the chat and follow on Instagram @noblindspotspod to get involved with all the good stuff. P.S - The pod is also available on Spotify & Apple Podcasts so if you're ever on the move, you can take NBS with you. Guest IG: https://www.instagram.com/jayvsop/Guest TikTok: https://www.tiktok.com/@jaystipsNBS IG: https://www.instagram.com/noblindspotspod/NBS TikTok: https://www.tiktok.com/@noblindspotspodHaider's IG: https://www.instagram.com/hxider.ali/Haider's TikTok: https://www.tiktok.com/@hxider.aliHaider's Twitter: https://twitter.com/hxideraliDISCLAIMER: Any views or opinions represented in this podcast are personal and belong solely to Haider (and the guest present) and do not represent those of institutions or organisations that Haider (and the guest present) may or may not be associated with in professional or personal capacity.

Money management is one of the most important skills a person (especially a woman) can have, but it's often never learned and properly utilized. It's not easy to live a life of frugality – to assess needs versus wants and avoid spending money on things that you don't need. However, it's mandatory if you want to live a life of financial security and freedom. If you aren't a frugal person by nature, don't worry! I wasn't either in the beginning. But, if I can change my ways, anyone can! In this episode, I'm sharing 9 frugal habits that anyone can start implementing now to work towards proper money management.   Here's a glance at this episode: [01:38] In this episode, I'm answering a City Girl Solutions question about the advice I would give to the version of myself 10 years ago.  [05:01] Make it a habit of “paying yourself first”. Meaning, when money comes in, you save something before you do any spending. [07:41] When you keep tabs on your spending, you can make changes real-time to help you save money or get back on track. [13:25] Planning ahead for things you know are coming (or what to come) can be a great way to stick to your budget and avoid overspending.   Subscribe, Rate, Review, & Follow on Apple Podcasts This helps me support more people — just like you — to make the best money moves as they make their way to their dream life.   Resources mentioned in this episode: I highly recommend you read The Richest Man in Babylon Listen to Episode 83 – How to Live Your Best Life this Summer Get your question answered on the podcast! Ask your question here. Struggling with your finances? Request a call with me (and get a budget)! Follow City Girl Savings on Instagram Follow City Girl Savings on TikTok Join the City Girl Savings Facebook Group Subscribe to the City Girl Savings Newsletter! Check out the City Girl Savings blog!

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Marni welcomes Mick Heyman to the Life Check Studio where they discuss sound money management. The duo delves into how to manage your finances while staying mellow. Mick is the CFA and founder of Heyman Investments and has been working in wealth investments for over 40 years. A lot of people struggle when it comes to growing and organizing their wealth which inevitably leads to stress. But what are actually the best practices? And where does one start? More importantly how do we deal with our finances while still retaining our chill?  Takeaways from this episode:  - How to stay mellow  - Don't completely listen to the headlines  - Look back to understand   Examine Your Own Emotions [12:06] Every single person is unique. What one person can handle; another might not be able to. So, when making certain financial decisions, look at your own emotions and assess what risks you are able to take. It's equally important to bear in mind that regardless of how much you prepare, surprises will occur. And when they do, you need to have strong hands.  Nobody should have more stock than their sleeping level.    Pay Yourself First [22:40] Paying yourself first means that wherever that check is coming from, it's vital to first start by putting a little something away. And that practice eventually becomes a habit that you take with you.  Think of it as money buckets. You put money into those depending on what you want to grow and what you're okay with risking. For example, one bucket could be for your dream house while the other could be for house maintenance and so on. A little bit of knowledge goes a long way.  Knowing what you own can really help you.   Money, Money, Money [29:02] It's important to be patient and to acknowledge that there will be times where you won't necessarily be hitting your target. There are certain aspects you can control and others that you can't. The market is one of the things, for example, that you can't control, and that's something you need to accept.  In the end, look at what the long-term can do for you, and you'll relax.    Make a Connection:  - 3 Secrets Men Wish You Knew *Free Download*  - Follow us on Instagram @marnibattista_  - Get Mick's Book “Mellow Your Money

Watch the Full Episode for FREE: Kim Kiyosaki - Always Pay Yourself First: How to Take Action, Pull The Trigger & Create Wealth - London Real

Watch the Full Episode for FREE: Kim Kiyosaki - Always Pay Yourself First: How to Take Action, Pull The Trigger & Create Wealth - London Real

Financial Literacy