Podcasts about paychecks

Snag Our Simplified Budget System!Budget besties, today we sat down with Addie—teacher, mom, and three months credit-card free (!!)—to untangle a super common headache: paychecks that land on odd dates and the “why does this still feel tight?” spiral. We walked through how to use a paycheck-ahead system when income hits on the 6th/21st (hers) and 11th/26th (his), how to fund spending on a predictable rhythm, and how to stop robbing Peter to pay Paul when kid expenses pop up (hello, cross-country, art club, school pics). We also dug into savings buckets done right, quick-transfer options for high-yield savings, and gentle ways to build a buffer so everything runs automagically.This is a calm, practical reset if your dates are weird, your brain's tired, and you want your budget to finally feel… easy.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!"

Going Long Podcast Episode 559: Unlock Financial Freedom & Stop Relying on Just One Paycheck  ( To see the Video Version of today's conversation just CLICK HERE. ) In today's solo episode of The Going Long Podcast, you'll learn the following:   [00:24 - 01:05] Introduction of today's episode. [01:05 - 09:03] Billy explains why relying on one source of income is likely the main barrier between you and attaining financial freedom, using his own story of taking action to create further income sources so that you can do the same for yourself.  [09:03 - 09:54] Billy wraps up the show.   Sign up for Billy's FREE course to learn how to make your corporate role optional in 5 proven phases at:  https://www.makeitoptional.com/ What you can expect to get out of this course: Learn How to Achieve Financial Optionality Gain True Control Over Your Career Turn Corporate Skills into Personal Assets With 26 years of experience in corporate sales leadership, achieved optionality through multiple income streams, Billy has helped dozens of executives build their paths to take control of their time. This free course gives you everything you need to identify, plan, and take control of your career while building financial optionality, leveraging your skills, and start living your IDEAL day - today! Go to: https://www.makeitoptional.com/   To see the Video Version of today's conversation just CLICK HERE.   How to leave a review for The Going Long Podcast: https://youtu.be/qfRqLVcf8UI     Be sure to connect with Billy!  He's made it easy for you to do…Just go to any of these sites:   Website: www.billykeels.com Youtube: billykeels Facebook: Billy Keels Fan Page Instagram: @billykeels Twitter: @billykeels LinkedIn: Billy Keels

The Moneywise Radio Show and Podcast Wednesday, September 10th  BE MONEYWISE. Moneywise Wealth Management I "The Moneywise Guys" podcast call: 661-847-1000 text in anytime: 661-396-1000 website: www.MoneywiseGuys.com facebook: Moneywise_Wealth_Management LinkedIn: Moneywise_Wealth_Management

Most people don't have a career problem… they have a clarity problem. In this episode, I reveal the secret formula for creating a career and life you truly love — a formula built on awareness, clarity, and daily commitment. Here's what you'll learn: ✅ How to use the Wheel of Life to spot imbalance ✅ The Grand Vision exercise that unlocks clarity ✅ How to break a 5-year vision into 3-year and 1-year milestones ✅ The daily practice that rewires your beliefs and accelerates results If you're ready to stop drifting and start designing your life, this episode is for you.

W. Stephen Love, President & CEO, Dallas-Fort Worth Hospital Council

The real winner of the US Open? Cadillac… It used “The Great Gatsby Strategy.”J.Crew just caused the biggest fashion drama of the year… It used AI to knockoff *itself*.Elon may get the biggest pay package in history… The 1st ever $1 Trillion paycheck.Plus, Nick and Molly's second IBO (Initial Baby Offering) has arrived and is trading on the sock market.J Crew's AI campaign:1) https://www.instagram.com/p/DNJPYOZhXSE/?img_index=12) https://www.instagram.com/p/DNI6xrttSQG/?img_index=1 $TSLA $GM $SPYWant more business storytelling from us? Check out the latest episode of our new weekly deepdive show: The untold origin story of… Subscribe to The Best Idea Yet: https://wondery.com/links/the-best-idea-yet/ to listen.NEWSLETTER:https://tboypod.com/newsletter OUR 2ND SHOW:Want more business storytelling from us? Check our weekly deepdive show, The Best Idea Yet: The untold origin story of the products you're obsessed with. Listen for free to The Best Idea Yet: https://wondery.com/links/the-best-idea-yet/NEW LISTENERSFill out our 2 minute survey: https://qualtricsxm88y5r986q.qualtrics.com/jfe/form/SV_dp1FDYiJgt6lHy6GET ON THE POD: Submit a shoutout or fact: https://tboypod.com/shoutouts SOCIALS:Instagram: https://www.instagram.com/tboypod TikTok: https://www.tiktok.com/@tboypodYouTube: https://www.youtube.com/@tboypod Linkedin (Nick): https://www.linkedin.com/in/nicolas-martell/Linkedin (Jack): https://www.linkedin.com/in/jack-crivici-kramer/Anything else: https://tboypod.com/ About Us: The daily pop-biz news show making today's top stories your business. Formerly known as Robinhood Snacks, The Best One Yet is hosted by Jack Crivici-Kramer & Nick Martell.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Keith discusses the factors driving rent growth, emphasizing income growth, supply constraints, and affordability.  He highlights that population growth has a weak correlation with rent growth, citing examples like Austin and San Francisco. The fastest rent growth is in San Francisco (4.6%), Fresno (4.6%), and Chicago (4%), while Austin (-6.8%), Denver (-5%), and Phoenix (-4.1%) show declines.  GRE Coach, Naresh Vissa, joins the conversation to talk about the administration's focus on lowering rates and the potential for higher inflation as a result. He encourages investors to stay informed and take advantage of opportunities when rates are low. Resources: Book a free coaching session with Naresh at GREinvestmentcoach.com Show Notes: GetRichEducation.com/570 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  You get paid first: Text FAMILY to 66866 Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   Welcome to GRE. I'm your host. Keith Weinhold, vital trends are moving the rental real estate market. And learn what really drives rent growth. It's probably not what you think. Then inflate, baby. Inflate. Why this administration wants inflation today on get rich education.   Speaker 1  0:22   Since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold writes for both Forbes and Rich Dad advisors, and delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show guests and key top selling personal finance author Robert Kiyosaki, get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with the get rich education podcast. Sign up now for the get rich education podcast, or visit get rich education.com   Corey Coates  1:08   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  1:18   You Keith, welcome to GRE from Whippany New Jersey to Parsippany New Jersey. Not much distance there and across 188 nations worldwide. I'm Keith Weinhold, and you're listening to this week's episode of Get rich education, where it's not just about your ROI. It's about your roti, your return on time invested, and your return on life. Everyone says that population growth is what drives rents, yes, but that's just one part of it, and it probably isn't even the most important factor. There is evidence of this, from Harvard research to what HUD has found. Austin, Texas recently added 500,000 people, rents spiked, and then supply flooded in and rents stalled. Head count wasn't enough. I discussed that in depth when I walked the streets of Austin last year. San Francisco lost population, but yet rents rebounded and remain among the highest in the nation. Harvard's housing research shows that population growth only has a weak correlation with rent growth. So what actually does drive rents? Well, income growth, supply constraints, and then staying under the 30% affordability ceiling, which is HUD's definition of what a cost burdened household is, right? That means that a tenant spends more than 30% of their income on rent. That is cost burden, and this pattern holds from ancient Rome to modern Manhattan, rents follow paychecks, not head counts and on the supply side, well, not all metros are created equal. Some have quantified it with what's called a supply elasticity score, places like Houston can seemingly build endlessly, while Manhattan and San Francisco cannot. So it's that difference that explains why incomes turn into rent growth in one market but not in the other. So if you're chasing fast growing metros, okay, but be careful, because headcount does not equal pricing power. Paychecks are what do well today, rents are falling in boom towns, but they're climbing in what we would call legacy, established metros, the year over year, rent change across US, metro areas really has a striking contrast. The three with the fastest rent growth are San Francisco up 4.6% Fresno also up 4.6% and Chicago up 4% and the three biggest declines in rent are Austin down 6.8% Denver down 5% and Phoenix Down 4.1% rent contraction in those three cities. And here's the problem during that 2020, to 2022, real estate surge. Years ago, investors piled into Sun Belt markets, and they sort of expected this endless growth, but then new supply flooded Austin, Phoenix and Denver, pushing rents down and vacancies up, and all three of those are cities that I visited during the boom and I saw the. Cranes in the air myself, and yet, at the same time, older supply constrained metros, like in the northeast, in Chicago and in San Francisco, they are quietly regaining momentum. That's where demand is steady. Construction is limited, and that's why rents are ticking higher. So this is why, like I've talked about before, it's good for you to invest in some Sunbelt areas, say, like Florida and then others that have this steady demand, like, say, a place in Ohio. And it's worth pointing out, too, how unusual it is that a city like Austin has a 6.8% rent contraction. We all know that housing prices are more stable than stocks, sure, but real estate rents are even more stable than housing prices, so this rent aberration that was caused by such wild overbuilding in Austin. Now, I recently attended a presentation on the rental housing market. It was put together by John Burns. He's the one that presented it, and he's the owner of the eponymous John Burns research and consulting. And people pay good money to attend these presentations, and he's a guy worth listening to, always with good housing market insights, and some of his insights while they're the same ones I've shared with you for a while, like how there's been a persistent lack of housing supply in the Northeast and Midwest, and still an abundant supply in the south. The Northeast is the only region of the nation that's adding more jobs than new homes at this time, the top amenities that tenants want today are a driveway in a yard. Pretty simple things. They're not a pool in a clubhouse. They're a driveway in a yard. And if you think about them, it totally makes sense, and that's why single family rentals have become such a booming industry, because that's where tenants are getting a driveway and a yard and burns. Also pointed out that most US job growth is in low income jobs. The presentation talked mostly in terms of headwinds versus tailwinds. Lower immigration. Well, that's a headwind. That's a bad thing for real estate investing, since immigrants tend to be renters. The tailwinds The good thing that includes less future supply coming out of the market, fewer apartments and fewer build to rent, deliveries coming online, fewer being added between today and 2028 and another positive for the next two decades at least, is the fact that since people are having fewer kids, that makes people less likely to settle down, buy a home and need a good school district. Well, that is good for people renting longer, longer tenancy durations, and John Burns also spotlighted how building material cost inflation is up 40% from pre pandemic times fully 40% more in material costs. But that Spike has since flattened out. However, it is just another reason why home prices can't really fall substantially. Today's prices are baked in, and his summary overall is to be bullish and bet on the tailwinds those real estate investing positives that is mostly due to future rent growth because the new supply is going away, and it's going to continue to stay difficult to buy a home, more rent growth, and that's the end of what he had to say. So as you're out there, targeting the right areas and renters for your properties, I've talked before about how new build rental property is a sweet spot, since your builder will often buy down your mortgage rate. For you, new build is where you can attract a good quality tenant. Look for a moment, just forget finding a tenant that can just barely afford your unit because they're spending 30 to 33% of their income to pay you rent, because, see, in that condition, there's no room for you to get a rent increase. If you can offer great value to your residents and target a 10 to 15% rent to income ratio, aha, you are really in good shape, because the easiest rent growth is retaining happy residents that are conditioned to accept 5% rent increases. Well, that is more likely in a nice new build property. That's where you attract a better tenant. And if they were to move out, they would have to take a lesser property so they will stay and pay the rent in. Increase, and they're going to have the capacity to do so when the rent is only 10 to 20% of their income.    Keith Weinhold  5:25   Now, when we talk about a major factor that trickles down to rents, the level of inflation, a lot of this comes down to the Fed chair and even the president, to some extent. And you know what's interesting, half the nation bashes whoever is president, and the entire nation bashes whoever is the Fed chair. Look, every recent Fed Chair has been maligned and bashed more than a pinata at a toddler's birthday party, bashed open more than an umpire at a little league game. Well, since 1980 there have been five of them, Volker, then Greenspan, then Bernanke, then Yellen and now Jerome Powell, most of that group is known for substantially lowering interest rates, yet they've remained unpopular anyway. And you know the irony here? The most popular of these five is Paul Volcker. He's the only Fed chair that's celebrated, and yet he jacked rates in the 1980s to up near 20% yes, 20% he really made borrowers feel the pain, but yet he's the only guy that's celebrated, because that's how he stomped that out of control inflation fire, 45 years ago, in 1981 mortgage rates peaked between 18 and 19% yet Somehow he's the Fed share that we celebrate? Well, here in more modern times, will the Fed eventually have to do the same thing? This is because Trump wants inflation now. The short term, talk is about lowering interest rates, but there are so many inflationary forces that you've got to wonder about how interest rates could very well go much higher later to get on top of this inflation that I'm telling you Trump actually wants. Now, of course, no one is going to come out and explicitly say that they want inflation, but that is now so implied, there are a ton of policies that the administration favors that are super inflationary. Some are a little deflationary, like deregulation, but they are overwhelmingly inflationary. Look tariffs, that's inflation on goods, mass deportations, that's labor inflation, reshaping the Fed in order to lower rates. That's inflation, the one big, beautiful bill, act that's lots of spending and largely inflationary. I'm telling you, Trump wants inflation now I'm not here to evaluate these policies for being good or bad. This is about policies, not politics, and understand it's not just the US government. It's every government everywhere that secretly wants inflation. And why do they want that? Well, first, it fuels spending. If you know that your dollars are going to shrink in purchasing power tomorrow, well then you're going to spend today, and consumer spending makes up 68% of us. GDP, yes, Amazon, thanks, you. Secondly, inflation shrinks the government's debt. The third reason that governments everywhere want inflation is because it foils deflation. In a deflationary world, people hoard cash like its gold bullion, tax revenue dries up and the economy stalls, and also inflation. It facilitates wage adjustments. It helps the labor market function. If economic conditions are weak, well, then employers can implement real wage cuts just by keeping salaries flat right where they're at. I mean, that is so preferable to cutting nominal wages directly and giving employees a pay cut notice. Everyone hates seeing that. So those are what four big reasons why governments will take their gloves off and fight in a steel cage match to the death to ensure inflation. So most expect a rate cut at the Feds meeting next week. But if this continues and there were massive cuts, you know, there's something else you've got to ask yourself, do you really want to live in an economy where massive rate cuts occur. I mean, that's what the 2008 global financial crisis and the covid pandemic in 2020 brought to us. So massive cuts mean there's some giant problem out there. Therefore, although the Trump and Powell rivalry, it might make you. Interesting theater and headlines. You know, let's not get carried away. Let's put things in perspective. What matters to you more is how many dollars you're leveraging, the efficiency of your property operations and the quality of your business relationships. Really, the bottom line is that fed tweaks are background noise inflation, that is the long term engine that makes your real estate profitable. Focus there, and let the politicians keep doing the yelling concerns about ongoing inflation and what that means for real estate investors, that's next. I'm Keith Weinhold. You're listening to get rich education.    Keith Weinhold  8:57   The same place where I get my own mortgage loans is where you can get yours. Ridge lending group and MLS, 42056, they provided our listeners with more loans than anyone because they specialize in income properties. They help you build a long term plan for growing your real estate empire with leverage. Start your prequel and even chat with President Chaley Ridge personally while it's on your mind, start at Ridge lendinggroup.com. That's Ridge lendinggroup.com.    Keith Weinhold  8:57   You know what's crazy your bank is getting rich off of you. The average savings account pays less than 1% it's like laughable. Meanwhile, if your money isn't making at least 4% you're losing to inflation. That's why I started putting my own money into the FFI liquidity fund. It's super simple. Your cash can pull in up to 8% returns, and it compounds. It's not some high risk gamble like digital or AI stock trading. It's pretty low risk because they've got a 10 plus year track record of paying investors on time in full every time. I mean, I wouldn't be talking about it if I wasn't invested myself. You can invest as little as 25k and you keep earning until you decide you want your money back, no weird lockups or anything like that. So if you're like me and tired of your liquid funds just sitting there doing nothing, check it out. Text family. 266, 866, to learn about freedom. Family investments, liquidity fund again. Text family, to 66866,   Ken McElroy  17:26   this is Rich Dad advisor Ken McElroy. Listen to get rich education with Keith Weinhold, and don't quit your Daydream.    Keith Weinhold  17:34   we have a familiar voice back on the show. It's an in house discussion here with our own GRE investment coach since 2021 he's helped you completely free, usually over the phone, learning your own personal goals and then helping you find the market that's the right fit for you, and even help connect you with the exact property address that helps you win the inflation Triple Crown, like say, 321, Mulberry Street in Chattanooga, Tennessee. They say that formal education will make you a living self education will make you a fortune. Well, he's got them both. He's slinging an MBA, and he's an active real estate investor just like you and I. Hey, welcome back to the show investment coach and race Vista.    Naresh Vissa  18:25   Hey, Keith pleasure, to be back on.    Keith Weinhold  18:27   Inflation is something that affects real estate investors even more so than it does the general public. Since we're borrowing large sums of money and the inflation discussion sure has been interesting lately, you just can't quite get rates back down to 2% still, they've been elevated for years. So talk to us from your vantage point about inflation and future inflation concerns.   Naresh Vissa  18:51   Well, Keith, I am concerned about inflation. This is the first time in a year or so that I'm concerned with the direction and with the policy surrounding inflation, here's why. And I brought this up when I was on your podcast in July, the current administration is not talking at all about the fact that inflation is rising. We saw the CPI, for example, hit 2.3% which was four year low earlier this year, and since then, inflation has gone up. That is concerning, that inflation is going back up without any rate cuts. Yet it's gone back, I don't want to say gone back up, but it's gone up. And remember, the Federal Reserve inflation target is 2% so we want to get as close to 2% as possible. And the number one issue in the 2024 election, and the number one issue today is still the cost of everything is right, is too much, which we'll talk about, from gas prices to home values to rents to grocery that's the. Big one, the cost of groceries, the stuff that you buy at grocery stores, etc, everything is just too expensive. Of course, education, you name, childcare, everything is just too expensive. Inflation is still, I think the administration needs to really tackle this problem. They need to really, really tackle it, because it is the number one issue. It is what people essentially, their vote is, is based on it's not necessarily based on some peace agreement in a foreign nation. It's not based on some social issue. The number one issue is going to be this inflation problem. It's are things affordable? Do I have money in my bank account to pay for X, Y and Z? So I am concerned because, yes, tariffs are inflationary. That's kind of common sense. Now I think tariffs can be good. Tariffs can keep inflation in check. If they're handled the right way, we will see that. But my bigger concern is that inflation has been rising. We're not anywhere close to that 2% and we know with a very high degree of certainty that the Federal Reserve is beginning their rate cutting cycle next week with the September rate cut, and that's going to be extended. We've seen President Trump. He's very public, his Treasury Secretary, his Secretary of Commerce, all the economic advisors who he has, they're very transparent about the fact that they want rates slashed, and they want rates slashed quickly. And so we know that we're going to get a rate this is going to be a rate slashing cycle. It's going to be great for the upper class, if you want to call it, it's going to be great for real estate investors, but for the common man, the byproduct of that is going to be higher inflation. There's just no way that you can cut rates so quickly, so low, and you're not going to see inflation. That's my concern. Now on the other hand, and again, we have to see how this plays out. On the other hand, I brought up earlier this year, I've referenced Doge. I think Doge is doing a good job cutting government spending, trying to scale back some of the government initiatives, not that the government's always going to spend we know that, but it's you need to cut back, and doges is trying to do that. That's a plus. But even bigger, I talked about some foreign wars, right? Well, I think that the Middle Eastern conflict and the Russia Ukraine conflict, both of those actually are disinflationary, or fixing those conflicts, creating peace. We've seen a ceasefire in the Middle East. We've seen a peace agreement in Ukraine, and they're disinflationary because of some of the items that I brought up. I think oil is going to dip below $50 a barrel as a result of these peace agreements, these ceasefires. So we're going to see oil prices go down. When you see oil and energy prices go down, you see the cost of almost everything else go down, because you need oil and energy to transport everything else. If you're building a house, you have wood and steel and lumber and and all sorts of materials. And it's you need a truck to transport all that. And the truck is probably it's not an EV truck. You're getting these big trucks that are using diesel fuel. So if we can bring down the cost of of oil and gas and electricity, which these taking care of these conflicts will do, creating peace will do the price of those products, oil, the natural gas, the electricity, the wheat, the grains, those are your groceries. The cost of those are going to come down. So I think it's very positive what we're seeing with this idea of peace in regions that make a huge difference to the global economy. So I'm curious to see, like I think we could see greater than 100 basis point decrease in inflation just by solving these conflicts 1% or more, like I legitimately think so, and that's without the tariffs. That's without the federal rate cut. So even if we're at, let's say, two and a half percent inflation today, and you shave off 100 basis points up now you're at one and a half, and then you throw in tariff inflation, you throw in the rate cut inflation, and we're around 2% so that's the ideal scenario that the administration is hoping for. It's let's create peace, let's have a freer market, and then they can scale back a lot of these tariffs too, because many of these tariffs against India, for example, they can scale back the United States can scale back the 50% tariff on India. That tariff was India got hit with because they're buying Russian oil, and you take care of the Russia conflict. Now it's we say, oh, India, you know, we'll scale back to go back to your 25% tariff, or maybe even less, if you do X, Y and Z. For us, we can expect to see many of these tariffs scaled back. We can expect to see the price of specific goods and services, the prices decrease, which will bring down inflation. That's what I'm optimistic about. Hopefully all these agreements hold, which I think they will, and we can expect that, and the Fed can begin its rate cutting cycle, and everything will be booming, and everything will be great. This is the. Deal scenario. I'm not predicting this. This is the ideal scenario for the administration,   Keith Weinhold  25:05   when both war and terrorists get as bad as they can possibly get. From there, they can only get better, each of which would be disinflationary. Now, the CPI inflation has been reported at 2.7% each of the past two months. But when we talk about rates, Trump wants lower rates, of course, and I think we all know that the Fed's fear of lowering rates is that high inflation could resurface. One thing though, that few think about is that lower rates lead to higher inflation, which kills off the national debt faster. But when we think about upcoming federal reserve rate cuts anytime, whether this was 10 years ago today or 10 years into the future, these are the type of lessons that I like to talk about. All right, when we look at the last Fed meeting, there was no rate cut, but then awful jobs numbers were reported right after that. That's why some think that there could be a 50 point rate cut at the next meeting. The Fed meets eight times a year, so there's about a month and a half between meetings. Now, the Fed doesn't have to wait for a meeting to make a rate cut. They can do an emergency rate cut between meetings, like we saw during covid, but sometimes they're reluctant to do that because that really spooks markets, and that makes people think, oh my gosh, there was an emergency rate cut. Maybe things are worse than we thought. What's going on that triggers concern?   Naresh Vissa  26:24   Well, I think that would be a huge mistake to have an emergency. Yeah, anatomic was obviously an emergency. That was a global emergency. Makes sense. 2008 I remember, I was just college student, but that was an emergency because we saw people lining up on the streets of Manhattan with all their boxes of laid off work, and we saw that on Phoebe. You know, that was a trying time. I think that's out of the question. It's completely unnecessary, especially when the Fed meets every 45 to 50 days. It's, you know, you can wait another 20 days until the next meeting and then make a decision when you have lower rates than the cost, the borrowing costs on the debt, it goes down so the government can refinance its debt, and they would pay less keyword interest dollars. That's a plus, the other plus with tariffs. And I really hope, again, this is just my opinion. I hope this is what happens. But the government is raising quite a lot of tariff revenue, so close to $30 billion last month. And we can expect, in the first full year, next year, it's going to have raised close to half a trillion dollars just for fiscal year 2026 that's the expectation, about half trillion dollars worth of tariff revenue. And I hope that the government uses that pair of revenue to pay down the debt, because when you're paying down the debt, you're dissipating inflation. What I actually don't want them to do is to give us back that money, because they've been floating that around, saying, Oh, we got all this tariff revenue. Let's get it back as a tariff dividend, and every American gets hex, you know, $100 in their bank account or something   Keith Weinhold  28:01   very altruistic. Of you patriotic,   Naresh Vissa  28:04   I would much rather that they use 100% of it to pay down that debt, because the country is going to be better off as a whole over the long term, and in turn, the people will be better off over the long term. The people may not see it. They may want their $200 check or $100 check or whatever it might be, but over the long term, I think the tariffs are overall working out quite well. We're not seeing the crazy inflation that the mainstream expert predicted. I don't think we're going to see the crazy inflation that the experts predicted, if you it's not going to be because of the tariffs, in my opinion, I think it's going to be if there's this aggressive rate cutting cycle that juices the markets and the cost of everything just just goes up. And this ties into real estate investing, because when the Fed starts cutting, that's a very good time for real estate investors to pay attention when the Fed stops cutting immediately. That's a an even better time to pay attention when the rates have bottomed. And this has to deal with timing the real estate market. I'll give you an example. I own several properties. Of one of my properties when the Fed was cutting in 2020 it took about a year for all those cuts to permeate into the mortgage market and into the the market as a whole. It took it. The inflation didn't go up overnight. The inflation didn't go up in April of 2020 or or May of 2020 it went up in April of 2021, it took about a year. So I actually refinanced one of my properties in July of 2021, I refinanced my my property, and I saved about 110 basis points on that refinance. And that's what I mean by timing the market. Because, if you're paying attention, part of it was I knew, Okay, the Fed has stopped. It's cutting. And you know, let's follow the more. Good market. Let's follow the Treasury yield curve and all that. And I jumped in. I literally refinanced at the bottom, like at the absolute bottom. There was about a three month window that was the bottom, and I refinanced. I did the application all that at the beginning of those three months, and it was and I got that great rate at the end of those three months. And I think there's going to be a tremendous opportunity for real estate investors. And I'm sure the Bane This is why I'm a little concerned about inflation as well, because the big hedge funds, the big real estate investment firms, the big banks, the blackstones, the blackrocks, they're going to be ready, and they're going to buy up. They're going to buy up real estate again, and investors, including our GRE investors, they're going to start buying up too. So pay attention. We're going to cover it here. We're going to cover it here, on the podcast and in the newsletter. But pay attention to these rates, because it'll be, I don't want to say, a once in a lifetime opportunity, but it will be a once in a cycle type of opportunity to jump in and get some bottoming real estate values as well as bottoming real estate mortgage rates at the same time. So that equilibrium point is only, like I said, about three or four months long. So we're going to be coming to that point and timing it sometime, I think next year, 2026   Keith Weinhold  31:21   talk to us about the vibe that you're getting from GRE listeners that contact you for a free coaching session. It's really hard to time the real estate market. Why don't you help us out with that? Let us know about a listener or two that you recently helped.   Naresh Vissa  31:37   Well, we have free real estate investment coaching here at GRE. It's absolutely free of charge. You can call, text me, email me whenever you'd like. People can book a free meeting with me, and it's a session. It's an immersive session on real estate investing. So we can go over all of that on our call. You can reach out to me unlimited times, like I said, it's I'm here just to help you throughout and along your real estate investment journey, I've helped hundreds of people invest in real estate, hundreds so it's buying turnkey, cash flowing real estate properties, so our investors can buy properties, and use my guidance and advice to help them buy properties. I also help them if they already own properties, how to optimize their portfolio, how to find new markets. I help them with their existing properties, dealing with property managers, with contractors, even with issues that things aren't always great in real estate, sometimes things can be bad. So listener Paul, for example. Listener Paul, he had a problem with the builder, and he submitted earnest money, and he wanted his earnest money back. Many, many years had gone by, and he came to me and he said, Hey, Naresh, you know, I've got all this money tied up, and the builder's not giving me the money back. Can you help me? And so I got him in touch with the right people, and within three or four months, he got all of his money back, plus interest on all the missed payments. So he got everything back as a lump sum, and then he thanked me and said, Thank you so much. I can sleep better at night, and I'm just I'm doing very well now, and he was ready to buy his next property.   Keith Weinhold  33:15   That's an example of where a deal went wrong and the builder didn't perform and build a property.   Naresh Vissa  33:19   Yes, exactly. Think of me as a trusted advisor, but also as a super connector, someone who can get you in touch with all the right companies and people to make real estate investing very sound. We have listener Joe, who bought many properties through us. He bought his first property through me and through GRE through our coaching program, and that first property worked out really well. So then he said, Hey, I want to buy a second property about six months later. So he bought a second property, and that worked out well. And then he said, let's go with it. And he bought all these with the same provider. So once he reached four, because my rule is, you don't want to go more than four or five in one market. Then he asked me for the next he said, what market do you recommend next? So then I recommended the next market, and then he bought another three or four in that market, and he built a nice little portfolio of seven or I mean, some people think it's little, some people think it's big, of seven or eight properties. So that's very common with the coaching program, where our listeners are really happy. If things are going great, I'm here for them. If things are not going the way that they expected, I'm here to help fix that problem.   Keith Weinhold  34:30   Maurice, is there to help you start building and grow a portfolio. Now, how do you yourself analyze deals and find properties before you let our listeners know about them?   Naresh Vissa  34:40   Well, we work with 15 to 20 different providers around the country, 15 to 20. So these providers are always reaching out to me, emailing me, calling me, leading me voicemails, texting me, saying we've got this great deal. We've got this great incentive. So I parse through all of that, and I find a handful of what I think is best. US and many of these deals, I send them to you, Keith, to promote in your Don't quit your Daydream newsletter, which people can subscribe if they go to get rich education.com. I send them there, and I let our listeners know on the phone when they set up calls, or I have notes on every meeting. So I'm able to send all of these deals to them, and that's how I put the best deals in front of them.   Keith Weinhold  35:25   Most of the coaching calls are over the phone rather than zoom the race. Sure can arrange a zoom call with you if you prefer. You really don't need to do too much to prepare for the call either.   Naresh Vissa  35:38   No, not at all. Just sign up for the meeting, and I'll run things. I'll run the meeting, I'll run the call. It's very straightforward. It's a session. It's very immersive, very interactive.   Keith Weinhold  35:49   Yeah, and you just have to book a time with Naresh once there and afterward. Yeah, it's really casual. Naresh is very open to you text messaging him if you have any ideas, or if you just heard about something on the show that you want to know more of. But yeah, booking that first coaching call is really what opens the door to the communication. And you really staying up to date on things. You can find a race through GRE marketplace. And alternatively, you can learn more about him with his bio. And importantly, book a time on his calendar by going directly to GREinvestment coach.com for a while now he's had times available Monday through Friday, and even some weekend slots available, and yeah, keep in touch with him, because property inventory is ever changing, especially with late breaking news like we've had this year of Home Builders Offering major incentives like buying down your mortgage rate to about 5% so staying up to date has hopefully brought you, the listeners, some really big wins already this year. Naresh, do you have any last thoughts?   Naresh Vissa  35:49   Definitely book a meeting with me. You won't regret it. I think even if you think that you own all these properties, you have all this experience, I think you'll find that the resources we offer it through our free coaching program, there will be one or two nuggets that you didn't know about that will still help you. So it doesn't harm anybody to book that free session with me. If you don't think you need my help, maybe it's just a five minute call and we touch base and we're good to go. That's fine too, but I highly recommend that people get in touch with me. We go from there so that you can continue to have a fruitful investment journey.   Keith Weinhold  37:28   Naresh has been valuable as always. Thanks for coming back out of the show.    Naresh Vissa  37:31   Thank you very much, Keith.   Keith Weinhold  37:38   Yeah, some sharp insight from Naresh as always. Now, when you think about making your next property move, consider how, compared to a few years ago, uncertainty has largely abated and real estate has stabilized. Think about how back in 2020 covid was the big uncertainty concern 2021 it was this real estate boom and an inventory shortage. You would get 50 or 80 offers on one property, and buyers were waiving inspections. That was tough. That was such a seller's market in 2022 that's when you had inflation and the supply chain chaos. That's when CPI inflation peaked at 9.1% in 2023 the big uncertainty concern was interest rate shock and the affordability crisis. And last year and this year, they've pivoted more to macro economic concerns. So therefore today's chief concern gets somewhat more buffered from real estate. Now I discussed the direction of rents earlier in today's show, the recently released Kay Shiller numbers came out, and they show that national home prices are up almost 2% annually, 13 cities or higher and seven or lower. By the way, this continued nominal price appreciation that frustrates the bejesus out of those perpetually wrong crash predictors. They have been wrong even longer than the people waiting for flying cars to show up. And where will prices continue to go from here, probably even higher now, America just hit somewhat of a milestone in this cycle. You might remember that mortgage rates peaked at 7.8% almost two years ago. Well, mortgage rates have now slid down to six and a half 6.5% and here's why this has become significant, right? Just compared to when rates were 7% per the nar 2.8 million Americans now qualify to buy a home. 5.5 million more will qualify at 6% and 7.7 more will qualify at five and a half percent. My gosh. Now. Now, of course, not every newly qualified buyer is going to pounce on a property, but only if a fraction of those do. Can you imagine how this demand increase will stoke prices? There are still only about 1.1 million homes available today. So not only are mortgage rates at a fresh low, but inventory choices, although they're still historically low, they are now at a six year high, and this is all while there's less buyer competition. So today's buyer conditions are really improving, and the bottom line here is that you are in the best position in more than five years to find the right property while still avoiding a bidding war, you have really got some properties to choose from. That is the takeaway, and you don't need to do much to prepare for an immersive free call with Naresh. You know what your situation is, although you probably do want to have about a 20% down payment for a property ready to go, some of which cost as little as 200k in these investor advantage markets, whether you've never bought any property in your life, or if you have dozens, it probably will benefit you. You can easily book a time that works best for you right on a GRE investment coaches calendar that way. There's no back and forth, and you can set it up now. Should you so choose at GRE investment coach.com Until next week, I'm your host, Keith Weinhold, don't quit your Daydream.   Speaker 3  41:38   Nothing on this show should be considered specific, personal or professional advice, please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC, exclusively.   Keith Weinhold  42:02   You know, whenever you want the best written real estate and finance info, oh, geez, today's experience limits your free articles access, and it's got paywalls and pop ups and push notifications and cookies disclaimers. It's not so great. So then it's vital to place nice, clean, free content into your hands that adds no hype value to your life. That's why this is the golden age of quality newsletters. And I write every word of ours myself. It's got a dash of humor, and it's to the point, because even the word abbreviation is too long. My letter usually takes less than three minutes to read, and when you start the letter, you also get my one hour fast real estate video. Course, it's all completely free. It's called the Don't quit your Daydream letter. It wires your mind for wealth, and it couldn't be easier for you to get it right now. Just text gre, 266, 866, while it's on your mind, take a moment to do it right now. Text gre, 266, 866,   Keith Weinhold  43:18   The preceding program was brought to you buy your home for wealth, building, get richeducation.com

In this episode, Scott Becker reflects on a tweet highlighting how even high earners can struggle financially if they overspend.

n this solo episode of The Reformed Brotherhood, Jesse Schwamb dives into a theological exploration of work as an extension of Christian calling that extends far beyond paid employment. Building upon their previous discussion about vocational choices for Christians, Jesse addresses the question: "Does a Christian's work ever cease?" Through careful examination of Ephesians 2:8-10 and other passages, he argues that while the nature of our work may change through different seasons of life—including retirement, caregiving, or illness—God has prepared good works for believers to walk in throughout their entire earthly journey. The episode offers both theological foundations and practical guidance on how Christians can approach all forms of labor as worship, finding purpose and meaning in every season of life. Key Takeaways Good works are not the basis of salvation but its goal—Christians are saved by grace through faith (Ephesians 2:8-9), not by works, yet they are saved for good works that God has prepared in advance (Ephesians 2:10). The Christian's work never ceases but changes form—Whether in paid employment, retirement, caregiving, or even during illness, God has prepared meaningful work for believers in every season of life. All work has spiritual value when done unto the Lord—The Reformed tradition elevates all forms of work, not just paid employment, as having potential to glorify God. Prayer is a significant and valuable form of work—Even those who cannot engage in physical labor can participate in the vital spiritual work of intercessory prayer. Good works offer multiple benefits to believers—According to the Westminster Confession, good works manifest gratitude to God, bolster assurance of faith, encourage other Christians, adorn Christian doctrine, silence critics, and glorify God. Christian workers should be distinctively different—Believers can stand out in the workplace by being fair and committed, genuinely caring for others, demonstrating generosity, remaining calm under pressure, and being authentic about their faith. Finding our identity in Christ transforms our approach to work—When we place our ultimate treasure in heaven rather than earthly gain, we can approach our labors with greater peace, purpose, and freedom from anxiety. Elaboration on Key Points The Christian's Work Never Ceases but Changes Form Jesse challenges the modern Western notion that work is merely a season of life that eventually ends with retirement. Instead, he presents a more ancient and biblical perspective: that work never ceases but merely takes different forms throughout our lives. Using Paul's metaphor of "walking" in the good works God has prepared (Ephesians 2:10), Jesse explains that our journey continues throughout life, with the landscape changing as we move through different seasons. Whether we're in paid employment, caring for loved ones, serving in retirement, or confined to a bed during illness, God has prepared meaningful work for us to do. Even those who are physically limited can engage in the vital work of intercessory prayer, which Jesse describes as "the kind of work that is so glorious... that while it exhausts us, it exhausts us in a way that brings us the greatest kind of sleep or refreshment." This perspective eliminates the anxiety many Christians feel about the purpose of their later years and affirms the ongoing value of their contributions to God's kingdom regardless of their physical capacity or economic productivity. Good Works Offer Multiple Benefits to Believers Drawing from the Westminster Confession of Faith, Jesse outlines six significant benefits of good works in the Christian life. First, good works manifest our gratitude to God for the gift of His Son—they become tangible expressions of thankfulness for salvation. Second, they bolster assurance of faith by providing evidence of God's work in our lives. Third, good works encourage other Christians toward greater acts of Christ-centered love, as we witness the transforming power of the gospel in one another. Fourth, they adorn the doctrine of God our Savior, making abstract theological truths visible and attractive to others. Fifth, good works silence critics who devalue biblical Christianity by demonstrating its positive impact. Finally, they glorify God by displaying His transformative work of love in our lives. These benefits apply to all forms of work—paid or unpaid—and give eternal significance to even the most mundane tasks when done unto the Lord. As Jesse emphasizes, "There are no mundane things. There are no small works... There are just these small things that come alongside with the great work that God has done already in our lives." Memorable Quotes "Good works aren't bad when they're seen as the goal of salvation, not its ground. The goal, because it's worthwhile to want to worship God and to obey him by doing good works." "Keep walking on that journey knowing that God all along the way has already prepared good works for you to do because he loves you and because this is our opportunity to worship him together in everything that we do." "When we are performing this work for God, he assures our faith. He refreshes us in it. He exhausts us in the best possible way so that we might love him more, cherish him more, encourage one another more, and really come to understand his character more forthrightly."   Full Transcript [00:00:08] Jesse Schwamb: Keep walking on that journey knowing that God all along the way has already prepared good works for you to do because he loves you and because this is our opportunity to worship him together and everything that we do. [00:00:32] Jesse Schwamb: Welcome to episode 459 of The Reformed Brotherhood. I'm Jesse, and this is the podcast where the tulip never wilts. Hey, brothers and sisters. [00:00:48] Recap of Previous Episode [00:00:48] Jesse Schwamb: So in this episode of The Reformed Brotherhood, this solo episode, I'm gonna wrap up a conversation that Tony and I just had in the last episode and set us up, wet Your Appetite for a whole brand new series. [00:01:03] Jesse Schwamb: That's gonna be starting in the next episode. So you find yourself bookended by two really great things. One, a great conversation we just had about the Christian and work. Are there jobs that really Christians shouldn't have? Because it takes us away from what it means to serve the Lord vocationally, as strange as that sounds. [00:01:22] Jesse Schwamb: So if you didn't hear that, you're gonna wanna go check that out before you listen to me, wrap all of us up right now. In fact, here's what you should do. Stop everything you're doing, unless it's operating a vehicle or a backhoe. Power those things down. Get off the side of the road, then go to reformed brotherhood.com and you can find all of the episodes living out there that we've ever recorded, including the one from last week, and I believe will be greatly blessed by hanging out with some of those conversations. [00:01:49] Jesse Schwamb: So go and do that first. [00:01:51] The Christian's Work and Retirement [00:01:51] Jesse Schwamb: On this episode, I'm gonna talk a little bit as a follow up about. Does the Christian's work ever cease? Is there a time, because we just spoke about vocational work and work for which we're remunerated, where once that goes away, what happens next? Is it a different kind of work? [00:02:07] Jesse Schwamb: Is it no work? Should we be the kind of people that are trying to pursue an end to that remunerated work as quick as possible? Is that okay? What happens if we can't be compensated for our work anymore? What happens? We're gonna reason from the scriptures a little bit more about work, our calling and all of that by way of vocation. [00:02:26] Jesse Schwamb: And part of this conversation has actually come from a larger conversation. So one of the greatest and best things about this podcast, something I wanna boast in right now, because it has nothing to do with Tony or me, and that is. There are lots of people listening, brothers and sisters from all over the world who gathered together and debrief. [00:02:47] Jesse Schwamb: Talk about the episodes, hang out and talk about life, share funny stories, share prayer requests, support one another. And you can do that by joining our little group on a messaging app called Telegram. So in fact, here's the second thing you should do. If you go to T Me Reform Brotherhood one more time, T Me Back slash Reform Brotherhood, slap that bad boy in your favorite browser, and that'll give you a link to our little corner of this messaging app. [00:03:13] Jesse Schwamb: And there's a channel within that app just to talk about. The various episodes as a way of interacting with all of us, and as a result of the episode that we recorded last about this idea of vocational work and calling, how does that all come together? Brother Joshua posed an excellent question, which is in part the reason for the conversation I'm about to have with you all, and that is what happens. [00:03:33] Jesse Schwamb: When we retire, or what happens when we desire to set aside sufficient resources if we can, so that we can get to that place as soon as possible. What then what about work or what if we have to care for a sick, sick, loved one? Or what if we have to come and take responsibility for our family in a different or unique way that takes us away from work where we're not being paid for things in the same way anymore? [00:03:52] Jesse Schwamb: What happens then? So we are going to get to all of that on this little brief little episode that's gonna sit in between the end of our conversation on work and the beginning of our brand new series, which, you know, you want me to tell you what it is, but I'm not gonna do it. It's just not gonna happen on this episode. [00:04:09] Jesse Schwamb: So you're just gonna have to sit in that anticipation waiting. Waiting for it to come next week, but for now, let's talk a little bit more about work. [00:04:17] Good Works and Salvation [00:04:17] Jesse Schwamb: And let me start with a, a phrase that's like so obvious, but you can say it with me if you want, because we have to agree on this. At least that good works aren't bad. [00:04:27] Jesse Schwamb: I mean, good works aren't bad. They're good. By definition it seems like self-reinforcing. And as Christians, we should want to do those good works. Now, I haven't said what the good works are, haven't even explained really. Although we, Tony and I talked about this before, how they really fit into that pattern and that normative behavior of the Christian life. [00:04:44] Jesse Schwamb: But can we just agree that if the Bible is saying there are good works for us to do, then they must be good. And they must be there for a purpose. They must be there for a reason and we can't debate that. Just because we're not saved according to our works doesn't mean that we shouldn't be concerned about pursuing a life of joyful obedience to God's word. [00:05:01] Jesse Schwamb: I mean, this is why Jesus like emphatically states in the gospel. If you love me, you'll keep my commandments in obedience. However frail it is. However much we stumble, however feeble we are in actually executing it is our evidence. Our love for God and for his son Jesus Christ. So far from undermining the gospel of grace, good works are the perfect compliment to the gospel, and this is why good works are good. [00:05:29] Jesse Schwamb: So to be clear, good works are bad when they're seen as the basis of salvation. And I think if you've been with us for any length of time or you're familiar with the reform. Theological movement. If you've been steeped in the scriptures, you're gonna find that kind of compulsion, that pull that says like, well, I understand that when I use my good works as a means of somehow Meritoriously earning my salvation, they cease to be good. [00:05:54] Jesse Schwamb: This is why, of course, Jonathan Edwards called Good works of this nature, only glittering sin because they're, they have no power to redeem. They have no power to save. They have no power to. Transition yourself into some kind of a righteous sense or rubric. It's impossible. They will not do that. They do not serve that purpose. [00:06:12] Jesse Schwamb: A person is not saved by works, but by God's grace through faith in Christ. [00:06:17] The Role of Good Works in Christian Life [00:06:17] Jesse Schwamb: So this is the time where we have to love ones. Go to Ephesians chapter two. It's impossible for me to continue without at least sharing this good news. If you need to hear this again, and this may be a well rehearsed verse or a well rehearsed writing from the Apostle Paul to you, but I ask that you hear it again. [00:06:32] Jesse Schwamb: If you can with these ears that are unstopped, that are almost fresh with excitement for this really good news, this is what Paul writes to the church and Ephesus for. By grace, you have been saved through faith and that not of yourselves. It is the gift of God, not as a result of works so that no one may boast. [00:06:51] Jesse Schwamb: For we are his workmanship created in Christ Jesus for good works, which God prepared beforehand so that we would walk in them. I mean, there's so much there that is. Lovely and refreshing. And freeing. It's not works righteousness, it's not meritorious. Salvation is clearly not of our own doing. It's not the result of these works, even the faith through which we receive salvation is a gracious, gracious gift from God. [00:07:21] Jesse Schwamb: So what a just burden taken off of our shoulders. The mantle has been removed from us. To somehow even equate or think that, well, if I have a good day and I've done a lot for God, he must love me more. I must be more ingratiated towards him, even if I have the sense that. I feel closer to him. Hopefully that closeness is the sense of joy and obedience. [00:07:40] Jesse Schwamb: And now where we get the sense that, well, because I've done something for God, he ought to do something for me or me more favorably disposed towards me. All of that is nonsense and that way just. Total foolishness and madness lies. Instead, when we turn that into our rejoicing first for the faith itself by which we receive from God, that grants us access to this great salvation. [00:08:02] Jesse Schwamb: When we see that as a gift first, then all of this other mongering for responsibility and trying to placate through the things that we can do and having this sense of guilt in our minds about what we should have done or what we did not accomplish, or even if in our own obedience toward Christ by the power of the Holy Spirit, we've fallen short. [00:08:20] Jesse Schwamb: We can still find there is this gift for us and the gift of salvation is ours in Christ through faith, not by works. It's very, very clear in what Paul writes to the church here as fallen creatures, even our best efforts are completely laced with sin. This also is, by the way, a really great kindness of God that we can never really be contrite enough in our coming before him and, and even in our humility, we probably can never be humble enough. [00:08:47] Jesse Schwamb: So the fact that God accepts because of Christ us into the family of God without having to put upon us this burden that you must be sorry enough for your sin, or you're not repentant enough, you haven't expressed the severe and necessary amount of contrition to really placate and understand that you have cosmically committed treason against the all powerful God of the universe. [00:09:13] Jesse Schwamb: Who could stand underneath that kind of weight. And the answer is no one, but by the grace of God through Jesus. So it's amazing. That when we start to think about work, what we find is that God is first doing all of the work in us, and we see that the first work is not our work, but his work, the secondary work, this means of obedience, of showing, our gratitude of expressing praise and worship. [00:09:37] Jesse Schwamb: Must, I think, necessarily be manifest in work that is labor of some kind, because God has first expressed himself in that kind of labor. And second, he's given it to us to do as an experience into his very being and his character, but also in service to him and to those who are around us. I promise I'm getting to all of this good stuff about what does this practically mean, but all this I think is so necessary for us. [00:10:02] Jesse Schwamb: To really set the proper understanding for what it means to have good work to do and to do this work. So these good works provide no basis for boasting because they're utterly worthless to save. They have worth in other ways, but it just turns out they're worthless In this way. It's a bit like if you take your, take your, whatever your domestic currency is, whatever the currency you, you transact in, I live and hang out in the United States, so my currency is the US dollar. [00:10:24] Jesse Schwamb: If I take a bunch of dollars with me and I go travel almost anywhere else in the world. There's a small chance they'll be accepted. And I realize I've picked the wrong currency for this metaphor at this point, but if I let, let's say, let's just pick a different one. Let's say that you live in Zimbabwe or you just happen to have a bunch of Zimbabwean dollars hanging out in your pocket. [00:10:42] Jesse Schwamb: I'm sure some of you do, and you take that currency and you come to the United States and you wanna go buy something, those dollars will not work. They just won't work. Nobody will accept them. They're worthless. They're without value. Now, do they have value? In a certain sense, of course they do. In that domestic currency, in that homeland they do. [00:10:59] Jesse Schwamb: And in the same way, though, of course, slightly different here, our works are these expression of. Obedience of love for God. But the minute we try to exchange them for salvation, what we're gonna find is God says that's worthless here. And it again, is a fool's errand to build your entire life on some kinda system or belief that says, what I'm doing is earning these dollars, making these good works, performing these things. [00:11:22] Jesse Schwamb: So I'll have gathered to myself all of this currency, which I'm then going to use to buy my salvation now, I think even in my own ears, that sounds ridiculous to say, and yet so many of us. Get caught up in that. And if we don't get caught up in whole, we sometimes get caught up in it peace wise, because again, we have a sense that, well, if I've been a particularly good Christian today, doesn't that mean that God is more happy with me? [00:11:45] Jesse Schwamb: And Paul says, no, you have been saved as a gift of God. It is his gracious act that through faith you have been given salvation, and that faith was not of your own. That itself as well was a gift. It's gift upon gift upon gift. And so even the work itself is shaped. By the sense that all that God gives us and him doing all the verbs is his gifting. [00:12:09] Jesse Schwamb: So good works are gonna provide no basis for boasting because they are worthless to save. And the only foundation for salvation is Christ, we're saved by his works, not ours. If you're looking for that good, that first, that perfect work, the thing that you could latch onto, the thing that you would say this, I'm gonna hang my hat. [00:12:27] Jesse Schwamb: And all of my life on the work that you're looking for is not the one that you can accomplish. It is the one that Jesus has already done on your behalf. So that's why I always think when I see those W wait, they're not as prevalent anymore I suppose. But do you remember a time loved ones when like the ubiquity of the WAJD bracelet and I always thought about the question, what would Jesus do? [00:12:49] Jesse Schwamb: And to me, the answer I give now somewhat tongue in cheek is everything and it's already been done. And so that is really the promise. The great blessing of the gospel that now we are saved for works and boy does that preposition make a difference. Like we should be underlining that, like putting that gilded gold in our Bibles like we are saved now for God works good, works are not bad then when they're seen as the goal of salvation, not its ground. [00:13:14] Jesse Schwamb: I wanna say that again because I think that might sound a little bit funny to some, but I've long really come to cherish this idea that it is the goal but not the ground. The goal, because it's worthwhile to want to worship God. And to obey him by doing good works. And Paul gives us an avenue in which to travel and to understand this and to reason it from the scripture so that we can be confident that that's exactly what God intends for us. [00:13:37] Jesse Schwamb: And so again, while these good works aren't meritorious salvation, they are a necessary component of Christian faith. And the first important thing that we ought to mention here. Is that when we think about work, it's not that like the reform tradition, that that theological perspective has somehow elevated work for remuneration. [00:13:55] Jesse Schwamb: I, I don't think that entirely was the whole emphasis of talking about vocation in that kind of theological sphere. That is, we have a bunch of Christians and they have to do work to survive, and some of them are cobblers and of them are cooks and some of them are cleaners. And so what we really need to do here is make sure that people understand that whatever you're getting paid for God has made you to do. [00:14:15] Jesse Schwamb: And that is not a great thing. That's all true, but the goal wasn't just to elevate that style or type of work that is the work for which you get compensated. It was to elevate all work, all work of every kind, all labor of every kind, because God is big enough that every bit of labor paid or unpaid in direct service for somebody. [00:14:34] Jesse Schwamb: Fortunately, there is no compensation or in service to someone for which there is that all of that work. It does give God glory if we mean it to. And so this is why they do all things. Whatever you do, whether you eat or whether you drink, all of even these tiny things roll up into this argument from the lesser to the greater all of work is for God's glory. [00:14:53] Jesse Schwamb: And so to tip my hat a little bit here, then I think an answer to, to Brother Joshua's question, and in a nice compliment to what Tony and I were talking about last week, there is no end to the Christian's work. There's just different types of work. Oh, we'll get to that. I'm a little bit ahead of myself here. [00:15:08] Jesse Schwamb: But of course we find in Ephesians two, it's important to understand this because there's so much of the dynamic of good works in the Christian life that are being explained there. And of course we learn that good works are the result and not the cause of being new creations, and they're testifying to the fact that we have been redeemed. [00:15:24] Jesse Schwamb: So our lives might reflect craftsmanship and character of God. So amazing, isn't it? That God has given work, that work is not a four letter word, that labor is good labor of all kinds. Is good because it's reflecting the craftsmanship in character of God in unique ways. That is like apart from doing work from this work which God has called us to, from traveling in it through our lives and participating in all kinds of different work, that there's something that would be missing in our exemplifying, the craftsmanship in character of God. [00:15:56] Jesse Schwamb: And so we see that apart from Christ. We can do nothing that pleases God, but in Christ. And here's a great promise. We are created to perform God honoring acts of obedience in Christ. We can be confident that God accepts our weak and wobbly efforts. You know, Paul further goes on to talk about good works, a result of God's pattern for the Christian life. [00:16:15] Jesse Schwamb: We don't need to wonder what God requires from us. He's told us in his word, good works are deeds done in conformity to God's word. Now the beauty of that is. That we have this pattern for the Christian life in which Paul is saying, and I think this is really helpful for our conversation, that all of the things that God has given us to do, he's already prepared. [00:16:39] Jesse Schwamb: He's already me and plus it. He's already set the table for us. He's already put all the things in place. He's already organized all the details. And he says that because he's done that we are now free to walk in them. And I interpret that walk as this idea, which I think is very particular to the way that Paul is writing here. [00:16:57] Jesse Schwamb: It's a word of encouragement that is speaking of more of a marathon and rather a sprint. So of course, like a lot of times in the West, we think of our work as a season of life in which we're doing something in service for a company and for others, creating value, which is good. All of these things can be in service to God, of course, especially when they're in honoring. [00:17:15] Jesse Schwamb: With a full counsel of the scriptures and that when we do those things, that time will end and then we start to think about what work do have left. Whereas really, of course, a more ancient way of thinking about work was that it never ceased. It was of different kinds, and we know it was of different kinds because of this idea of walking that is like you never says stop the walk. [00:17:32] Jesse Schwamb: It never says take a break. It says you're gonna continue throughout your life in this metaphor of. Your journey of life being a walk, and as that walk changes, as the landscape undulates, as you move and transverse over different geographies on this walk in this metaphor, there's no doubt that the work will be different. [00:17:50] Jesse Schwamb: And there may be a season when you no longer have to work and be compensated, but it doesn't mean, of course, that the work ends. In fact, the work is still there. It's a different kind. And we don't want it to go away, in fact, and we don't want it to feel, uh, like it should be a, a lesser thing because it's not because we've been given in this verse the sense that this is the pattern that's been given to us. [00:18:12] Jesse Schwamb: It's the value of walking the pathway of obedience. And Paul makes it manifold. In fact, the Westminster Confession of Faith, which I'm 17 minutes in and you can mark your clock. That's the first time I mentioned it. I've gotten there already. Loved ones. Don't worry, we're always gonna bring in a confession. [00:18:27] Encouragement and Assurance Through Good Works [00:18:27] Jesse Schwamb: And on this week, it's the confession of faith from the Westminster states that there are at least six benefits of good work. So here these out, this is just my quick rundown of what the Westminster puts forward thinking about these good works and when you hear these benefits. Think about them in the broadest way. [00:18:41] Jesse Schwamb: That is like, think about how these benefits apply to all kinds of work, not just like your nine to five, but like of course your family society and the church and your work there is needed both because it is an exemplification of obedience to Christ, but also because it is accomplishing good and creating value. [00:18:58] Jesse Schwamb: So the first is that good works manifest our gratitude to God for the gift of his son. Now think about this. If that's true, that this in a concrete way. No matter what, we're able to do that we, if we're doing these good works, we're showing gratitude to God. Why would we ever want those good works to go away? [00:19:14] Jesse Schwamb: Why do we wanna break that pattern? We don't want to. And again, this gives a, a high level, a high calling to all the things that we can do, both like again, in our paid work and then thereafter. Or even if we, we never have paid work that all of these things, there's something for us to do here and it manifests our gratitude to God and the gift of his son. [00:19:32] Jesse Schwamb: The second thing is good work's, bolster assurances of faith. So it is the Christian who in obedience to Christ has a compulsion is as Paul would say elsewhere, hemmed in by the love of God to work towards a specific end in love and service toward others. That is a good work. And when we're doing that good work, there's a mutual kind of reinforcement that occurs that as we humble ourselves before God and that we work to. [00:19:57] Jesse Schwamb: Or to obey him and that we walk in the good works that he has prepared for us, that we find that we are sure that God is who he is, that his character and craftsmanship is, is in fact manifest in us and demonstrated by us. And in this way as we worship him, we find that our faith grows. Especially perhaps when we're called to do things that are difficult or we're called to participate in work, especially in the church, that requires some kind of leap of faith and we're in so doing where we must trust God forthrightly. [00:20:27] Jesse Schwamb: We find that doing those good works bolster our assurance of faith. Number three. Good works are a means of encouraging other Christians toward greater acts of Christ-centered love. There's so much in Hebrews chapter 10 that we could talk about there. This is an incredible idea that when we work towards obeying God laboring on his behalf in all of the spheres of life, to which he has given us to participate in that Christians receive this as a. [00:20:55] Jesse Schwamb: Form of encouragement. You know, think about how you've seen the testifying work of somebody else in your church, in their patience, in their kind behavior. You know, we often speak about a person who is graceful, and by that of course, we mean there's a beauty to their outer movement, as it were. That's maybe they're a graceful dancer. [00:21:11] Jesse Schwamb: Maybe they're a grace or a baseball player, but you'll find that you can apply this word in so many ways whenever you are trying to really show that somebody in their outward movements does things particularly well, or just with ease or in a way that conveys a certain kind of beauty. When we say that somebody is gracious, what we essentially mean is that there's a beauty to their inner movement that is, that the exemplification of who they are in Christ is so firmly rooted in solid, that the way they behave in situations and circumstances clearly shows. [00:21:43] Jesse Schwamb: That there's something different about the way that they process the world and in the way that they work. And when we see that we are prone to be encouraged to see that God is real, that he does intervene and interact in situations that he does, in fact still do the most miraculous thing ever, which is take the sinner, take the gospel abuser, take the unregenerate, and perform that surgical movement. [00:22:05] Jesse Schwamb: Where that heart of stone is replaced with one of flesh, it's the greatest miracle in the entire universe. And so when we're seeing that work exemplified, we're allowing ourselves to participate in encouraging our brothers and sisters. Fourth good works are concrete avenues for adorning the doctrine of God, our savior in life, in ministry. [00:22:25] Jesse Schwamb: So again, it's uniting this idea of who we are, that we say we are, who we are in our transformation regeneration, marrying that up with work. And this is, again, why a. All of this reform of theology elevates work to this place of saying, whatever you do, you can do it to the glory of God and you ought to, you ought to be thinking that way because this is the way God intended all the things that we do to be done. [00:22:47] Jesse Schwamb: So idea of like when Paul says, like, pray without ceasing, be constantly in the Lord. I think in some ways what he's saying is. When you shift your mindset to recognize that there are no mundane things to do because God has prepared all those things ahead of time, they're, they're mundane, maybe in their smallness, in our own like really myopic kind of human natural man perspective. [00:23:06] Jesse Schwamb: They are certainly not mundane with respect to the power of love that may be communicated in them with the encouragement that flows out of them, and with the expression of gratitude for God, our savior and his son. All of those things are high and lifted up worthy of exaltation and call worthy of all of our efforts. [00:23:23] Jesse Schwamb: And so there we find that there are really no mundane things. There are no small works as it were. There are just these small things that come alongside with the great work that God has done already in our lives and our expression of that first work that he has done. So Fifth Good Works, silence critics who devalue the goodness of biblical Christianity. [00:23:43] Jesse Schwamb: You know, there's a lot here that we could talk about. Jesus was so outspoken about what it meant for his followers to adorn themselves to be in Christ, and in so doing, they were gonna be these lights set on a, like a city on a hill for all to see. And sometimes as Christians, we get a little, eh, strange about this kind of thing, don't we? [00:24:01] Jesse Schwamb: Because we, we wanna be careful that we need to be humble. You know, we, we want to make sure that as we're serving God, that we are not boasting in that in any kind of way, and yet there is something here where we ought to be giving and testifying to why we do certain things. I've been thinking about this a lot because I think it's one thing for us to say, well, we wanna live in such a manner. [00:24:21] Jesse Schwamb: We wanna do our work in such a manner, whatever that is, so others know there's something different and, and this is noble and honorable. I think what's even better is to let them know why it's different. Sometimes you shouldn't wait for somebody to ask. You know, if it's clear that you're doing something and you wanna express why we're doing it, say, I'm, I'm doing this 'cause Jesus loves me, he's changed me, and Jesus loves you. [00:24:39] Jesse Schwamb: I mean, this is okay to say loved ones. And I think in doing that, making that connection clear, what it's gonna do is it's going to make sure that those who would say like the, the Bible is antiquated out wounded document. It's a document that's filled with strife. It's a document that pits won't people against one another. [00:24:54] Jesse Schwamb: It's a document that is not progressive enough. What they'll find instead is. When our good works, our truly good works are accompanied by a verbal testimony of why we do these works in obedience to God for, because of his great love for us. It will discredit those who would say all of those things. It turns away a. [00:25:14] Jesse Schwamb: All of the critics would say that the Bible is, is not relevant, that Christians are too, uh, bigoted, that we are the kind of people that are too hypocritical. Instead, when we acknowledge that we are far from perfect, but that we have a perfect savior when we talk about our weak faith, but that our, the faith that we have is not in its size, but in the size of the savior. [00:25:34] Jesse Schwamb: When we can say all these things alongside of our efforts to be obedient. Being humble, asking for forgiveness, seeking repentance from those whom we hurt, that in this way, we are again doing all of the things that are the theology of the cross, that even in our small weaknesses, even in our great failures, what we find is God does more than just to fill in the gaps He overflows with through the power of His Holy Spirit into a powerful testimony into the lives of others with whom we interact, and especially in the things that we do. [00:26:05] Jesse Schwamb: So six. And lastly, this is from the Westminster. These benefits of good works. Last Good works glorify God by displaying his work of love in our lives. I think we often forget about this. That God has given us work because he loves us. Of course, God is always working. There's something beautiful about the fact that God is ever present in our lives working in our hearts. [00:26:29] Jesse Schwamb: And sometimes of course, as the, the older reformers have said, he lays us over the Anil, as it were, and he hammers on us, and those are painful times. And other times he's really polishing up our sharp edges or sanding off those places where we need a little bit of attention. But everywhere he's working in us and what a blessing that he never stops, isn't it that he comes to us constantly because he loves us. [00:26:51] Jesse Schwamb: He refuses to leave us in a state that is less than the abundant life. Now we know that we will never accomplish that, this side of glory. But what a benefit that God never gives up on us. That he continues to show his great love for us in how he attentively comes into our lives to hone us in this progressive sanctification, whereby his work doesn't stop. [00:27:13] The Unending Nature of Work [00:27:13] Jesse Schwamb: And so because his work doesn't stop. Neither does ours. So the beauty of this is for anybody else, for us, for brother Joshua, for those who are thinking about, you know, what if I, I want to maybe try to set aside more resources now so I can stop my work of re of compensation to do other things, I would say. [00:27:31] Jesse Schwamb: Well, Godspeed by, by the power of God, I, I hope that happens for you. And what about those who would say, well, my work is gonna have to be caring for a loved one who's ill? I would say that is great and good work. What about those for who are retiring now or thinking about retirement? What's left? Tons. Of good work. [00:27:48] Jesse Schwamb: I think we know this. Now, what about for those who are in the final stages of their life, those who are not ambulatory, maybe those who are weak, maybe those who are ill themselves. There is still good work because the work that God gives us is not the heavy kind that causes our bodies or our minds to be crushed in despair, to have to till the ground as it were in such a way that it leaves us lacking replenishment instead, even for those. [00:28:16] Jesse Schwamb: Who are saying, what is my place when my body is wasting away? [00:28:21] The Value of Prayer in Our Work [00:28:21] Jesse Schwamb: When I'm having a, a season of sickness and I feel like there's nothing I can do, there is so much that the church needs from you in particular, especially your work in prayer. And again, I think we've been outspoken. Prayer is absolutely a work. [00:28:34] Jesse Schwamb: If you don't believe me, just. Try to pray. So just being able to participate in something like that, which is in many ways maybe the greatest calling. I, I always think about this phrase, when we work, we work, when we pray, God works. And so just the act of saying I'm gonna devote myself in prayer, in intercessory prayer for my church, for my community, for my family, is a kind of work that is unparalleled. [00:28:58] Jesse Schwamb: And so if that's the work that God has given you to walk in right now. Then would you please do it? Because it is the season to which he's called you because he's with you on that journey. And Paul says, wherever you go, wherever you are walking, God has already prepared before you get to the next stop sign, before you get to the next wave point, before you get to the next pin drop. [00:29:17] Jesse Schwamb: God has already prepared for you good works, and you're mealing to walk in them. [00:29:22] Finding Joy and Refreshment in Labor [00:29:22] Jesse Schwamb: And so the work of prayer by itself is the kind of work that is so glorious, like all the work of Christ that we find refreshment and it changes. There's a theme here, like all of our work changes because when we are doing it onto the Lord, we're doing it with him in mind when we're understanding that this is our obligation, but also our greatest privilege, that while it exhausts us. [00:29:41] Jesse Schwamb: It exhausts us in a way that brings us the greatest kind of sleep or refreshment. Does that make sense? We ever had like a really great day at work where, you know, I, I worked hard and I did work worth doing, and in that I felt that there was a sweetness. In fact, Ecclesiastes five 12 says, sweet is the sleep of a laborer, whether he eats little or much, but the full stomach of the rich man will not let him sleep. [00:30:05] Jesse Schwamb: This idea that. Why as we work, as we labor for God, that he does restore us, he gives us joy and satisfaction in that work. And again, there's this, all this mutual reinforcement, this kind of self-fulfilling and reinforcing idea that. When we are performing this work for God, he assures our faith. He refreshes us in it. [00:30:24] Jesse Schwamb: He exhausts us in the best possible way so that we might love him more, cherish him more, encourage one another more, and to really come and understand his character more forthrightly. [00:30:34] Living Quietly and Minding Your Affairs [00:30:34] Jesse Schwamb: I like what Paul says in one Thessalonians chapter four, aspire to live quietly and to mind your own affairs. I mean, that's. [00:30:42] Jesse Schwamb: Good advice for all of us, mind your own affairs and to work with your hands as we instructed you, so that you may walk properly before outsiders and be dependent on no one. So we talked before about what it means, that really in our work, we ought to care for those who we love. We ought to make sure that we can provide for them, but there will also be seasons. [00:30:59] Jesse Schwamb: One, there will be others who need to provide for us. And so in so doing, again, we're honoring God by walking in this path that he has given us, uh, to do. I like this. There's a couple of other great verses I think that are helpful for us to really think about what it means to have good work to do and to understand that good work. [00:31:17] The Blessing of Giving [00:31:17] Jesse Schwamb: Here's from Acts chapter 20. Paul says, in all things I've shown you that by working hard in this way, we must help the weak and remember the words of the Lord Jesus. How He himself said, it is more blessed to give than to receive. So think about that there. There is an expression right there about work and what is this working hard. [00:31:35] Jesse Schwamb: It's to help the weak and to remember the words of Lord Jesus Christ. It is more blessed to give, to receive than to receive. Love always leads to giving for God. So love the world that he. Gave, and I think part of this good work that God calls us to is just giving. And so like right now, you may be in a season where you are giving of your labor in return for compensation, for that labor, but presumably there will, and there should come a time when you'll be giving it and you'll not be receiving that. [00:32:00] Jesse Schwamb: But it doesn't lessen the work. It doesn't take it away. It doesn't mean that it's not necessary anymore. We ought to continue to pursue that because love always leads to giving. Now I want to just finish our short little time together today as we've reasoned, hopefully. [00:32:15] Practical Ways to Exemplify Christian Values at Work [00:32:15] Jesse Schwamb: In a profound way from the scriptures helping us to be encouraged in this work by just a couple of things that if you are thinking in the sense of what can I do right now in my work of all kinds to exemplify and to be driven by unique view of humanity and a love rooted in the wisdom of the cross to stand out, what, what can we do as Christians, practically speaking. [00:32:37] Jesse Schwamb: To take everything that Paul has just given us here, appreciating this beautiful pattern that work is just gonna be part of our lives forever. And by the way, loved ones I, I have a strong conviction that in the new heavens and new Earth, that work will still be present there in a fully orbed and fully expressed, fully realized way that it's not capable today because of everything being mined by sin. [00:32:59] Jesse Schwamb: But then we're gonna find that this is just like an amm bush. It's the taste that. The thing that's coming for us, the appetizer of how work is gonna be fully satisfying, fully encouraging, fully joyful, and a full expression of how God has made us to do things. One of those things again are laboring in prayer, laboring on the construction site, laboring on a desk, laboring in the education and the teaching and ammunition of children. [00:33:24] Jesse Schwamb: All of these things are just really, really good. So what are a couple of things that we can do? Well, here's some things that that come to my mind. The first is that I think Christians can be known as the most care fairing and committed kind of people. So. Think about it this way, driven by the father's love and his acceptance of us through Jesus, we can be the kind of people that are known as fair, caring, and committed to others. [00:33:52] Jesse Schwamb: Since we know the depths of our own sin and the magnitude of God's grace to us, we can be ready to forgive and reconcile with others, and we should be quick to do so if we're doing that in their work environments. Whatever that environment is, there's no doubt this is gonna draw some fair amount of attention. [00:34:07] Jesse Schwamb: We may actually, and this is gonna sound a little bit wild. We may even have opportunities to take risks for the benefit of others. Now imagine it this way. Let's say that everybody has somebody to whom they're responsible and almost everybody else has somebody who's responsible to them. So think of it this way, if you are leading any kind of group of people, formerly or informally, you may have a unique opportunity to take risks on the behalf of those people. [00:34:30] Jesse Schwamb: Now, that may be may mean advocating for them. It could mean yielding to them, even if you have a hierarchical position that's above them. But more than anything, it could mean that you actually take a risk to take responsibility at times. So it's possible that let's say you're a leading a team and you're a place of work, and one of the people who is responsible to you, that is one of the people who reports to you, makes a mistake. [00:34:52] Jesse Schwamb: Let's say that the person that you are responsible to, your boss finds out about this. There's lots of ways you could go about this. Now, you may feel that you want to be easy just to say, well, this wasn't me. It was their fault. But consider how a Christian might approach this in love. It's possible that it may be entirely appropriate for that leader to take responsibility for the mistake, not taking blame for it, but taking responsibility for it as an act and expression of what it means to be fair, caring, and committed to others. [00:35:20] Jesse Schwamb: And now this may mean that if you were that person, you might lose a little bit of cloud to the organization. You might use a little bit of reputation or ability to maneuver within the organization, but there could be a very powerful, could be testimony in your ability to risk yourself for others in a way that I believe, again, is walking in this path of good works and that you are reasonable people. [00:35:41] Jesse Schwamb: You can sort out, I think in a situation like that. What kind of responsibility you might have, but I think it's important for us to consider that we may have that kind of responsibility and that to be known as fair, caring and committed to others. To advocate for them to again, forgive and to reconcile, and then sometimes to take risks of opportunity for the benefit of others is something that is unique to the Christian. [00:36:00] Jesse Schwamb: I think we at least agree on that, that kind of response to a s. We'll be wholeheartedly unique. [00:36:06] Generosity and Kingdom Living [00:36:06] Jesse Schwamb: I think we also need to be known as generous and depending on the context and opportunity, generosity at work can be expressed in so many different ways. Managers can be generous with their advice, their access, their investment in people. [00:36:17] Jesse Schwamb: All of us can be generous with our time, our money sharing our resources. Sacrificially. If you're a small business owner, and this is gonna sound wild, but let's, let's talk about kingdom living for a second. Loved ones like I presumably you're listening to this because we're not just satisfied with the small things. [00:36:31] Jesse Schwamb: We wanna think big in what it means. For the gospel to go out, for Jesus to be known. And so in this context of being generous, maybe it means if you're a small business owner, that you're willing to take less personal profit to benefit your neighbors or your customers or your employees. You know, I think of this company called a Go. [00:36:47] Jesse Schwamb: Which is a wooden toy company and it's, it was founded by a couple of Christians and driven by their Christian faith. They intentionally take smaller profit margins to benefit the people of Honduras where the wood is sourced and to create an employee savings program for them. I mean, that what a remarkable thing what, what a counter-cultural expression of what it means to be doing good. [00:37:08] Jesse Schwamb: Work. And so we can also grow and show our generosity to our colleagues by loving them outside work. You know, cooking a meal, preparing a meal for them when they have a child or attending a funeral if they lose a loved one, grabbing dinner with them if they're struggling, joining their club sports team, attending their wedding. [00:37:23] Jesse Schwamb: You know, generosity during, after work hours is a testimony of love. It shows that you see them as a whole person, not merely as like a productive asset or just a colleague. So I think we should push back a little bit on being generous and maybe sometimes I, I wanna say this. Gently because we are a benefit ourselves in this podcast of this, but not just with your money, especially with your time and maybe with like your attentional focus, maybe with your prayer time. [00:37:47] Jesse Schwamb: Maybe with your labor, in your prayer closet, that of all the things you could focus on, how often are we praying for our colleagues, like really praying that they would come to see the gospel in us, that we would be courageous in expressing that gospel and that God would arrest their hearts, which snatch them up and bring them into his kingdom so that all of our workplaces would be filled, uh, with Christians, that they would be everywhere. [00:38:08] Jesse Schwamb: Doing all kinds of things in som, much as God calls us to those things in submission to him, an expression of who he is and in obedience to what he's done for us. Here's another thing. I think this is a big one. It's one that I struggle with in my own life. [00:38:23] The Importance of Calmness and Authenticity [00:38:23] Jesse Schwamb: So I think another place, another way in which we can really stand out as Christians in our good work is to be known as calm. [00:38:30] Jesse Schwamb: Poised in the face of difficulty, failure or struggle. This might be the most telling way to judge if a person is drawing on the resources of the gospel and the development of their character. And this goes back to this idea of like, what does the a voracious person mean? It's, it's somebody who has like that inner. [00:38:47] Jesse Schwamb: Beauty expression of inner inner beauty. You know, how do we act when our boss passes over us for a promotion? How do we act if we fail to get that bonus we expected or, or if like a colleague is placed on a team we want to be on, how do we respond to those things really reveals where we placed our hope and identity. [00:39:03] Jesse Schwamb: And that can be a whole nother. Podcast. But if it's true that we have rooted ourselves, grounded ourselves, securely in Christ, then that is the supreme treasure that we have, and then everything else should be like, oh, that's no big deal. It's not to say that we're not gonna have big emotions, but even as we experience those big emotions, part of what it means to be humble is to come before God and say, God, I'm feeling this way. [00:39:26] Jesse Schwamb: And I'm a contingent being and I'm upset about this. Would you help me to reveal your gospel in this situation? And what a blessing in our progressive sanctification where God moves us into that space so that what becomes normative is when everybody else is losing their minds, when everybody else is gossiping, when everybody else is complaining. [00:39:46] Jesse Schwamb: What everybody else is pushing back here is the Christian who is resolute in firm and is speaking words of life. Encouragement into their workplace or those whom they're doing their work, who is speaking the gospel to them, who is calm and is poised and is ready to lead in such a way that brings value to everybody, helps 'em to find the true security in the situation and is not willing to compromise by participating in a meaningless backtalk. [00:40:12] Jesse Schwamb: That is an incredible testimony, and there's no doubt it's gonna cause us to stand out. There is something about this placing value that I think is important to mention. And I think I mentioned this before, but Tony's not here and I'm just talking. And so my experience, my professional career is all in the realm of finance. [00:40:30] Jesse Schwamb: So I've gotta use this because I think about this a lot and it's certainly relevant to us thinking about where is our value. [00:40:38] The Concept of True Treasure [00:40:38] Jesse Schwamb: I find it so interesting. That in the sermon on the mound. And when Jesus is speaking about treasures, he doesn't completely say that we should forsake treasures. Have you ever thought about that? [00:40:50] Jesse Schwamb: So instead of saying, you know, listen, don't worry about the treasure, just focus on me. Don't try to go after things. Just focus on me. And somebody says, listen. Listen, listen. You're going after the wrong treasure. So don't go after treasure where you know a moth or Russ is gonna destroy it or where like you're gonna be worried. [00:41:09] Jesse Schwamb: A thief is gonna break in and steal it. All those things are not just temporal, they can be taken from you. In fact, they, they will be taken from you. This is the wild part to me. He says instead, rather than do that, here's what you should do. Seek after the treasure that's in heaven. In other words, the proclivity to want to grab hold of valuable things and to keep them close to you, that is not bad in and of itself. [00:41:32] Jesse Schwamb: It's that you are focusing on the wrong thing that you want to grab and hold close. Seek after those treasures in heaven. And I can tell you why. This just shows the brilliancy with which Jesus knows us because he has created us loved ones, and in our fallen state, he's so kind to condescend to be like us, yet of course, without sin. [00:41:50] Jesse Schwamb: And in that he expresses a great knowledge of who we are and how we are. So. There's a very famous study done, actually very many versions of this study done, and what they'll do, and you can play along, I know I've done this before, but as you're sitting there listening to my voice play along with the scenario that I'm about to give you, and you can answer for yourself what you would do in this situation. [00:42:11] Jesse Schwamb: There's no right or wrong answer. So here's the situation. Researchers gave per people two options. They said, you, I can either give you a thousand dollars for sure, or. Or we can play a game. We'll flip a coin. If the coin is heads, you get $2,000, but if the coin comes up, tails, you get nothing. So the choices were you could have a sure thousand dollars or you could risk it. [00:42:39] Jesse Schwamb: And with a coin flip, a fair coin flip, you could get either $2,000 or zero. Now I'll pause. What would you prefer if you're like most people? You would take the sure $1,000 because you'd rather have for sure a thousand dollars in your pocket than giving up the gamble. Even though you could get twice as much the gamble of $2,000 or zero, who wants to walk away with zero when somebody's like, I'll give you a thousand dollars for certain. [00:43:06] Jesse Schwamb: Most people would prefer the certainty. Now those who are like keen have a turn of mind for mathematics are gonna realize that on average, those two options are exactly the same. So whether you get a thousand dollars. For certain, you got the a thousand dollars on the other option, half the time you'll get zero. [00:43:23] Jesse Schwamb: Half the time you'll get a $2,000. If you average those out, that's sequel to a thousand dollars over the long term. So there's something interesting there too, isn't it? See how our minds are working that we prefer, we are loss averse. In other words, we do not like loss. In fact, there's a very famous. [00:43:39] Jesse Schwamb: Theorem about this that says the pain of losing a dollar is twice as great as the pain of gaining one. And this is why it's so hard. If you have a retirement account, you have investments somewhere. When you look at your accounts and the numbers are down, you feel particularly awful. And when they're up, you feel good, but not that great. [00:43:54] Jesse Schwamb: Uh, this is the idea of. Being a loss averse. Now, here's the other thing that these researchers did. They flipped the whole scenario, and I'm gonna give you one more thing to think about. So rather than talking about gains, they said these people, okay, here's your choice, and you have to choose one of these. [00:44:09] Jesse Schwamb: Either you can take a sure loss of a thousand dollars, or you can take a gamble. And you can take a, we'll flip a coin and if it comes up heads, you'll lose $2,000. But if it comes up tails, you will lose zero. So again, here are the two options, but now we're talking about losses. You either have to take a loss of a thousand dollars for certain, or you could take the gamble, flip a fail fair coin, and you could lose $2,000 or you might lose nothing if it comes up tails. [00:44:42] Jesse Schwamb: Now what would you do? Now if you're like most people, what these researchers found is people gravitated toward taking the risk. That is, they chose the option when they said, let me flip the coin, because at least if I flip the coin, there's a chance I might not lose anything. I know I might lose $2,000, but I would rather take the risk of losing 2000, but have the opportunity to lose nothing than take the sure loss of a thousand dollars. [00:45:05] Jesse Schwamb: So here's what's crazy about all this. Here's what it teaches us, is we make the wrong choices all the time. You know, technically speaking, when it comes to gains, we should prefer the risk, the risk of zero, because you started out with zero, so you're not better. You're not worse off by having zero, and if you win, you get $2,000. [00:45:22] Jesse Schwamb: But when it comes to the loss, we should take the sure loss of a thousand dollars because we might end up having a loss of $2,000. We tend to behave poorly given the situations. This is an example of loss aversion and risk aversion, and Jesus knows this. That's the brilliance of it, of course, because he says, I know that your hearts will be troubled by losing your treasure. [00:45:45] Jesse Schwamb: So here's the thing. It's not the treasure that's bad, it's that you're putting your faith, you're going after the wrong thing. So loved ones. When we find ourselves rooted in Christ, when we find our identity right there in him, when we are sure that all that we have is in the heavenly realms and therefore everything else can float and fl away, then we find ourselves able to be the kind of people in our workplaces where we're calm, poised in the face of difficulty failure, or all kinds of challenges. [00:46:14] Jesse Schwamb: One more thing I would encourage you with, and that is just be known as authentic and integrated. This goes back to something Tony and I have really challenged ourselves with so much, and that is some Christians aren't very open about their faith at work and others talk about it all the time, but act and speak in ways that marginalize nonbelievers. [00:46:30] Jesse Schwamb: We should, of course, be really wise about how we share the reason for the hope that we're, we have when we're at work. But staying silent isn't an option. If we wanna be authentic people, we have to bring our whole selves to work. I think this is where we all, at times could use a little work. I, I've barely been encouraged by brothers and sisters who are far better at this than I, where. [00:46:50] Jesse Schwamb: They're really good at explaining why they do something, and perhaps they've been building a relationship with non-believers, serving them, working with them. And, but when the right opportunity approaches when the moment arrives, they're right there with their explanation. They're quick to say, it's because Jesus loves me. [00:47:06] Jesse Schwamb: They're quick to talk about the transforming power of the gospel. And it's not in a way that's overbearing. It's not in a way that seems disingenuous or somehow like they're, they're shoehorning in some kind of, you know, bully pulpit testimony. Instead, it's a natural expression. Because they were ready and willing and brave. [00:47:22] Jesse Schwamb: To do that. So we've got to be known as authentic and integrated, and that integration is just as important as the authenticity. What, what is the good, what is the point of doing many of these good works if there is not a commensurate explanation or expression of why we are doing them, because. Plenty of people who are non-believers also do good work. [00:47:42] Jesse Schwamb: This is part of the common grace that God has given to all of our world and to the entire universe writ large. So in that being said, sometimes we just need to say, this is why I'm doing it. And it's possible that probably people are sometimes thinking, I have no idea why this person is doing this, but I'm not gonna ask them. [00:47:57] Jesse Schwamb: 'cause that's super weird. So by us stepping forward and saying, listen, I love you, God is good to me, uh, there there's a God over the universe who saved me. I was in this pit of despair and he's taken me out of that pit. My work, the things I do, I do now for him. I do it not just because I wanna provide for my family, but because I love God. [00:48:16] Jesse Schwamb: I want to be obedient in worshiping him, and part of how I worship him is doing my work this particular way. That's why you see me. Work like this. What a beautiful thing. Loved ones. [00:48:25] Final Thoughts and Encouragement [00:48:25] Jesse Schwamb: So there's so much I think for us to think about here. I could go on and on, and at this point, this is no longer a short episode. [00:48:32] Jesse Schwamb: You've gotten almost 50 minutes of me just talking. So I want to thank some people for good works right now. And that is. For those of you who have joined in the Telegram chat and are hanging out. Thank you. I really appreciate that. And there's so much good conversation going on there. Again, I gotta plug it. [00:48:48] Jesse Schwamb: If you haven't, if you're not in there, you're really missing out on this experience. It's not just hearing Tony and I talk. It's coming alongside and being integrated with all kinds of other brothers and sisters. So do yourself and us a favor and go to T Me Rhyme, see t me slash reform brotherhood and come hang out with us in addition. [00:49:10] Jesse Schwamb: I'm so grateful for all those who contribute to the podcast financially to make sure that just keeps going. If you've ever wondered like, how is this all free, and there's a website where I can go surf the back catalog@reformbrotherhood.com and it just shows up in my podcast feed, and it doesn't sound like they're in a tin can somewhere or in a hurricane recording this. [00:49:28] Jesse Schwamb: How does all of that happened? It happens because there's so many lovely brothers and sisters who's come alongside and said. Yeah, you know what? After all my responsibilities, I have a little bit left over and I wanna make sure that this thing just continues to keep going. And so I say to you, thank you so much. [00:49:43] Jesse Schwamb: If you would like to be a part of that and I challenge you, come join us in giving toward the podcast, Tony and I do. And there's somebody I love, our brothers and sisters who do as well. That's what makes this happen. You can go to patreon.com, reformed brotherhood, so we've got all kinds of good stuff coming up. [00:49:59] Jesse Schwamb: I love the fall season, autumn in the Western hemisphere here, because it feels like a reset in many ways. Like the kids go back to school, the weather changes depending on where you are, the

In this episode, Scott Becker reflects on a tweet highlighting how even high earners can struggle financially if they overspend.

"With your job you have to go into work every single day to keep getting paid. With your investments, once you put your money to work it'll keep paying you even if you're not working." Want to quit your job but keep your paycheck? Jaspreet breaks down the exact five assets that can replace your W2 income so you never have to work for money again. This isn't about getting rich overnight, it's about creating passive income streams that work harder than you do. What You'll Learn: Why Treasury bonds paying 4.7% might be the safest income you'll ever earn The dividend ETF strategy that lets you own hundreds of companies without picking individual stocks How to calculate if a $200,000 rental property will actually make you money (spoiler: most don't) Why real estate investors can make $1 million and pay zero taxes while doctors pay $500,000 The difference between working IN a business versus owning the profits FROM a business Peer to peer lending secrets that can pay 10-20% returns (with the right collateral) Jaspreet reveals the brutal math behind each asset class and explains why most financial advisors only tell you about one of them. From the easiest Treasury bonds to the most advanced business ownership, he shows you exactly how much money you need to invest to replace every dollar of your job income. Want more financial news? Join Market Briefs, my free daily financial newsletter: https://www.briefs.co/market Below are my recommended tools! Please note: Yes, these are our sponsors & advertisers. However, these are companies that I trust and use (or have used). The compensation doesn't affect my recommendations or advice. That being said, you should always do your own research & never blindly listen to a random guy on YouTube (or a podcast). ---------- ➤ Invest In Stocks Passively 1) M1 Finance - Buy stocks & ETFs automatically: https://theminoritymindset.com/m1 ---------- ➤ Life Insurance 2) Policygenius - Get a free life insurance quote: https://theminoritymindset.com/policygenius ---------- ➤ Real Estate Investing Online 3) Fundrise - Invest in real estate with as little as $10! https://theminoritymindset.com/fundrise ----------

Comment on the Show by Sending Mark a Text Message.The workplace landscape has fundamentally shifted, with a disturbing trend emerging across American businesses: employees are increasingly being forced to perform two full-time jobs while receiving just one paycheck. This exploitation operates under the seemingly innocuous phrase "adjusting duties," buried in employment contracts that courts have traditionally interpreted with alarming breadth.Recent research reveals the devastating human cost of this practice. The SHRM's Employee Mental Health 2024 Research Series found 44% of surveyed workers feel burned out, 45% emotionally drained, and a staggering 51% completely depleted by day's end. Most telling, 40% report being required to perform more work in the same hours. These aren't just statistics—they represent millions of Americans trapped in an impossible situation.What many don't realize is that even at-will employment constitutes a contract with inherent limitations. The doctrine of unconscionability exists precisely to prevent unreasonable contract terms that no rational person would accept under fair conditions. When employers demand one person perform multiple full-time roles without additional compensation, we've crossed from reasonable business discretion into exploitation. Courts should recognize that employment contracts aren't licenses for unlimited extraction of labor, and principles like proportionality, human capacity limits, and good faith should guide judicial interpretation.For employees caught in this situation, proactive negotiation remains essential. Document increased workloads, build trust relationships with management, and present the business case for fair compensation. Approach these conversations from a holistic perspective that acknowledges company challenges while firmly advocating for reasonable limits. Remember that no employment relationship can sustainably function when one party extracts everything while providing nothing in return. If you enjoyed this episode of the Employee Survival Guide please like us on Facebook, Twitter and LinkedIn. We would really appreciate if you could leave a review of this podcast on your favorite podcast player such as Apple Podcasts. Leaving a review will inform other listeners you found the content on this podcast is important in the area of employment law in the United States. For more information, please contact our employment attorneys at Carey & Associates, P.C. at 203-255-4150, www.capclaw.com.Disclaimer: For educational use only, not intended to be legal advice.

Feeling stuck in your network marketing business? Wondering how to grow your team, increase your paycheck, and stand out online without spamming friends and family? You're in the right place.I'm sharing actionable strategies for thriving in network marketing right now.You'll discover:✅ Why relationship-building beats pushy sales in today's market✅ How to show up consistently on social media to attract leads naturally✅ The leadership mindset that helps you scale your team with confidence✅ Why mindset is just as important as strategy for growing your business✅ Pro tips for surrounding yourself with positive influences and like-minded entrepreneursWhether you're new to network marketing or looking to level up your existing business, this episode will help you build your team, increase your income, and lead with confidence in the evolving world of online business.Click Here to join our free Beach Boss Influencers community, where you'll get exclusive resources, live trainings, challenges, and the support of like-minded business owners ready to grow their team and paycheck alongside you.#NetworkMarketing #TeamBuilding #SocialMediaMarketing #EntrepreneurMindset #BeachBossInfluencers

"Our economic system is designed to keep the majority people poor." What if every day could be payday instead of just twice a month? Jaspreet reveals 7.5 simple money moves that can turn your regular paycheck into a wealth building machine without changing how much you earn. These aren't complex investment strategies or get rich quick schemes, they're small tweaks that create massive results over time. What You'll Learn: How paying your mortgage every two weeks instead of monthly can save you over $170,000 The three bank account system that prevents you from accidentally spending your investment money Why the 75/15/10 plan is the simplest wealth formula most people ignore How to get an MBA level education for less than 1% of the cost using just 25 books The biggest mistake people make when they get a raise (and how to avoid lifestyle inflation) Why using credit cards smartly can actually accelerate your wealth building How to calculate exactly how much you need invested to fund your dream lifestyle Stop making everyone else rich on payday and start building your own wealth with these proven hacks. Want more financial news? Join Market Briefs, my free daily financial newsletter: https://www.briefs.co/market Below are my recommended tools! Please note: Yes, these are our sponsors & advertisers. However, these are companies that I trust and use (or have used). The compensation doesn't affect my recommendations or advice. That being said, you should always do your own research & never blindly listen to a random guy on YouTube (or a podcast). ---------- ➤ Invest In Stocks Passively 1) M1 Finance - Buy stocks & ETFs automatically: https://theminoritymindset.com/m1 ---------- ➤ Life Insurance 2) Policygenius - Get a free life insurance quote: https://theminoritymindset.com/policygenius ---------- ➤ Real Estate Investing Online 3) Fundrise - Invest in real estate with as little as $10! https://theminoritymindset.com/fundrise ----------

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In this episode, Warren Ingram and Pieter de Villiers discuss essential financial principles for young adults aged 20 to 30. They cover topics such as managing your first paycheck, the importance of budgeting, avoiding debt, and the impact of lifestyle inflation. The conversation speaks to the significance of making informed financial decisions early in life to set the foundation for future wealth and well-being.TakeawaysYour first paycheck is a blank canvas for financial decisions.Avoid accumulating debt as a starting point in your career.Understand your payslip and the taxes deducted from your salary.Create a conscious spending system to track your expenses.Spending less than you earn is crucial for building wealth.Avoid comparing your financial journey to others.Every small financial decision compounds over time.Invest in your health to prevent future expenses.Be mindful of lifestyle inflation and its impact on finances.Focus on consistent, small habits for long-term financial success.Learn more about 10X Investments today: https://bit.ly/4hiEscGSend us a textHave a question for Warren? Don't forget to voice note your questions through our WhatsApp chat on (+27)79 807 8162 and you could be featured in one of our episodes. Follow us on Twitter, LinkedIn and subscribe to our YouTube channel for more Financial Freedom content: @HonestMoneyPod

You don't need to know the trade to own the business. Adam Goldman helps people see why franchising might be the smartest move they've never considered.We brought on Adam Goldman, a franchise consultant who's seen hundreds of folks jump ship from corporate life and into something way messier and way more fulfilling. From office cleaning to water restoration to lighting installs, Adam's not just watching the shift from white collar to blue collar he's in the thick of it.He breaks down the generational motivations behind franchise ownership, from 20 somethings chasing belonging to 60 year olds chasing purpose. We dig into what kind of franchise actually works for people who want part-time freedom without giving up real income, and how culture not just cash is what makes or breaks the fit. Adam's got no shortage of examples about the myths of franchising, from startup costs to lifestyle expectations, especially in industries most people wouldn't brag about at a cocktail party.Highlights:The rise of white collar workers buying blue collar franchisesWhat makes water restoration and lighting unexpectedly hot businessesWhy younger owners want flexibility—but franchisors want growthHow culture trumps industry in finding franchise fitThe money (and the mindset) in “unsexy” service businessesMake sure you're subscribed and share the episode with someone who's ready to stop asking permission.Get in touch with Adam:WebsiteLinkedInYoutubeGet in touch with us:Check out the Blue Collar BS website.Steve Doyle:WebsiteLinkedInEmailBrad Herda:WebsiteLinkedInEmailThis podcast uses the following third-party services for analysis: Podtrac - https://analytics.podtrac.com/privacy-policy-gdrpOP3 - https://op3.dev/privacy

Watch via video: https://youtu.be/nga08mEfscMKristina God's Online Writing School community helped me monetize my newsletter in just 5 months - so I am honored to invite this expert on my show!We talked about Side Hustle Success, Work-Life Balance as a Mompreneur, Monetizing Writing Online, Substack's Power Over Social Media, Inspiration and Mindset Financial Freedom and Stability… and more. Enjoy this amazing interview!Kristina is ranked Top 25 Education newsletter in the space. An award-winning brand and marketing manager, a Substack bestseller, and a mompreneur. Check out Kristina's stuff at @_kristinagodEPISODE HIGHLIGHTS:[00:00-06:34] Monetize your skill[06:35-10:21] Why Followers Are Dead: Substack's Edge Over Algorithms[10:22-17:35] Mental Health and Time Trade-Offs[17:36-23:10] Low Investments, High Returns Revealed[23:11-27:00] Build Your Flywheel (diversify)[27:01-32:45] Passion vs. Paycheck[32:46-36:48] Invest in Freedom: Family Gaps and Business Growth Hacks[36:49-40:21] Time Freedom Blueprint[40:22-42:56] Your First Dollar TipsSpecial Mention: Tim Denning, Substack, Medium, YouTube, Circle Community, Teachable, ConvertKit, Mailchimp, Gumroad, Canva, Zapier, WordPress, Zoom***Start taking action right NOW!

What happens when your creative process becomes a mirror, reflecting back the deepest parts of your identity? I sit down with abstract artist Gina Tyquiengco to discuss her winding creative path, from teaching herself graphic design to finding her voice as a painter.  Gina explains how her signature black, white, and gold palette is a deliberate reflection of her Guamanian and African American heritage, duality, and spirituality. This is a powerful conversation about trusting the process and the joy of making art alongside your children.   Chapters 00:00 - Introduction to Gina Tyquiengco 01:50 - A Multicultural Upbringing Fueled by Creativity  04:00 - The Clever Kid Who Drew Inside the Cabinets  05:20 - How Bob Ross Sparked a Lifelong Passion for Painting  07:25 - The Winding Road from Graphic Design to Fine Art  10:00 - Painting for a Paycheck vs. Painting for Self-Discovery  14:10 - The Meaning Behind a Black, White, and Gold Palette  18:00 - Exploring and Mastering a Signature Style  21:00 - Knowing When a Painting is Truly Finished  27:00 - The Beautiful Collaboration of Painting with Her Daughter  31:30 - Advice for Aspiring Artists on Mastering Your Craft  35:30 - The Key to Getting Your Work Seen by the Right People   Check out the full video interview on our YouTube channel! https://youtu.be/kMS6hWeBtPI   Connect with Gina: Follow Gina on Instagram:https://www.instagram.com/ginatyquiengco/ Gina's Website: https://www.ginatyquiengco.com/   Support the Show Website: www.martineseverin.comFollow on Instagram: @martine.severin | @thisishowwecreate_ Subscribe to the Newsletter: www.martineseverin.substack.com This is How We Create is produced by Martine Severin. This episode was edited by Santiago Cardona and Daniel Espinosa.   Subscribe wherever you get your podcasts Leave a review Follow us on social media Share with fellow creatives  

Megan Knab, Founder & CEO of Franklin, joined me to discuss Franklin's platform for businesses to manage their on and offchain financial operations in one place and enable crypto in payroll. Topics:- Megan's background with Consensys and Ethereum - Businesses enabling payments with crypto - Integrating blockchain in the Business financial operations - Stablecoins and Crypto in payroll - Future of crypto and stablecoin payments - US Crypto legislation Show Sponsor -

When Kevin Zych left his corporate job three years ago to become a full-time live event illustrator, he had just enough proof of concept from brand sponsorships to believe he could make it work.In this episode, Kevin shares his unconventional path from English major to Zen monk to professional street artist, revealing how he built a creative career around "reportage illustration". He discusses the practical realities of going full-time creative without a plan, why he believes art creates human connection, and how his time as a Zen monastic shaped his philosophy of embracing risk and immediacy in both art and career decisions and much more.

I was able to save money even when I was only making $22,000 a year—and it all came down to one powerful habit: sending my money to the right places as soon as I got paid. That simple shift changed everything in my wealth-building journey, and it's a system I still use today.In this episode, you'll learn:✅ How to effectively allocate your paycheck to cover both your living expenses and your long-term money goals. ✅ The difference between emergency savings and unexpected expense savings—and why you need both. ✅ Practical strategies for paying off debt without derailing your other financial priorities.You'll also hear how I personally broke down my $700 biweekly paycheck when I first started, what worked (and what didn't), and how this system created clarity and consistency with my money.If you're ready to stop letting money slip through your fingers and start building a system that actually works for you, I invite you to join my 1:1 money coaching program.

“If I wanted to pick up and move, I pick up and move, and then I would just fall into whatever job I could find. And even though it was scary, I still did it because I was like, this could be a story, there could be a story in this.” – Nkrumah Mensah Today's featured author is a mom, anime enthusiast, ballroom dancer, and lover of Star Trek and Shakespeare. So, let's give it up for Nkrumah Mensah. Nkrumah and I had a fun on a bun chat about her book, “Anne of Survivor”, her journey from shy college student to published writer, what helps her stay creative and more from the kitchen sink, a bag o' popcorn, and anime with a hint of sledgehammer!Key Things You'll Learn:How Nkrumah found her voiceHow her daughter helped her get back into writing and officially publish her booksHer writing process and how she keeps character continuity with a 7-book seriesHow anime can be a major source of motivationSome amusing historical facts and why she loves making history relatableNkrumah's Site: https://www.between-the-line.com/Nkrumah's Books: https://a.co/d/3KUimvJThe opening track is titled, “North Wind and the Sun” by Trevin P. To listen to and download the full track, click the following link. https://compilationsforhumanity.bandcamp.com/track/north-wind-and-the-sunPlease support today's podcast to keep this content coming! CashApp: $DomBrightmonDonate on PayPal: @DBrightmonBuy Me a Coffee: https://www.buymeacoffee.com/dombrightmonGet Going North T-Shirts, Stickers, and More: https://www.teepublic.com/stores/dom-brightmonThe Going North Advancement Compass: https://a.co/d/bA9awotYou May Also Like…Ep. 330 – “A Long Way from Ordinary” with Ann Charles (@AnnWCharles): https://www.goingnorthpodcast.com/ep-330-a-long-way-from-ordinary-with-ann-charles-annwcharles/Ep. 378 – “Writing Adventures with The Dialogue Doctor” with Jeff Elkins (@Jffelkins): https://www.goingnorthpodcast.com/ep-378-writing-adventures-with-the-dialogue-doctor-with-jeff-elkins-jffelkins/51 - "How to Turn Your Pain Into a Paycheck" with Crystal Santoria @PhirstPoet: https://www.goingnorthpodcast.com/51-how-to-turn-your-pain-into-a-paycheck-with-crystal-santoria-phirstpoet/176 - "Life Has a Way" with Dwayne Jenkins (@LeDwayneJenkins): https://www.goingnorthpodcast.com/176-life-has-a-way-with-dwayne-jenkins-ledwaynejenkins/13 - "Water in a Broken Glass" with Odessa Rose: https://www.goingnorthpodcast.com/13-water-in-a-broken-glass-with-odessa-rose/120.5 (Local Author Bonus Special) [LABS] - "The Children of Time" with Victory Parsons (@ReadLiftRepeat): https://www.goingnorthpodcast.com/1205-local-author-bonus-special-labs-the-children-of-time-with-victory-parsons-readliftrepeat/Ep. 335 – “Last of the Gifted” with Marie Powell (@mepowell): https://www.goingnorthpodcast.com/ep-335-last-of-the-gifted-with-marie-powell-mepowell/Ep. 318 – “Beautiful, Frightening and Silent” with Jennifer Anne Gordon (@JenniferAnneGo5): https://www.goingnorthpodcast.com/ep-318-beautiful-frightening-and-silent-with-jennifer-anne-gordon-jenniferannego5/Ep. 626 – “Finding Grace within Grief” with Portia Booker: https://www.goingnorthpodcast.com/ep-626-finding-grace-within-grief-with-portia-booker/Ep. 836 – The 6% Club with Dr. Michelle Rozen (@DrMichelleRozen): https://www.goingnorthpodcast.com/ep-836-the-6-club-with-dr-michelle-rozen-drmichellerozen/Ep. 314.5 (Holiday Bonus) – “Turning Point” with Kristy Smith (@kristynotkirsty): https://www.goingnorthpodcast.com/ep-3145-holiday-bonus-turning-point-with-kristy-smith-kristynotkirsty/Ep. 337 – “The Accessory to Magic” with Kathrin Hutson (@ExquisitelyDark): https://www.goingnorthpodcast.com/ep-337-the-accessory-to-magic-with-kathrin-hutson-exquisitelydark/247 – “Cozy Mysteries & Inclusive Children's Books” with Kelly Brakenhoff (@inBrakenVille): https://www.goingnorthpodcast.com/247-cozy-mysteries-inclusive-childrens-books-with-kelly-brakenhoff-inbrakenville/

In this episode, Gogo Bethke sits down with Coleen Otero, CEO of a thriving branding agency, to explore the mindset and methods behind building a fulfilling business and life. Coleen shares how she discovered her passion for content creation at a young age, turned it into a career, and ultimately founded her agency. She opens up about the balance between pursuing work you truly enjoy, even when the payoff isn't immediate, and the difficult but necessary process of outgrowing certain people or situations along the way. They also dive into why so many of us focus on outward appearances over inner growth, and how Coleen's practical, step-by-step approach to decision-making can help you shift your perspective and create lasting success.GoGet'em with Gogo: Gogo Bethke InstagramGogopeneur InstagramGogopreneur WebsiteGoGet'em Community Listen to Gogopreneur onAmazonSpotifyAppleYoutubeRoku (Your Home Tv)

What happens when a teacher maxes out credit cards and takes loans against retirement to break free from the paycheck-to-paycheck cycle—and it actually works? In this episode, Angel Williams sits down with Bethany Finch of American Made Home Solutions to explore the raw reality of transitioning from teaching to real estate investing. Bethany opens up about the financial struggles that pushed her to take massive action, the coaching that kept her accountable, and the contractor nightmares that nearly broke her spirit. She shares why teachers have unique advantages in real estate, the importance of choosing multifamily over single-family properties, and how building the right team transforms everything. This conversation reveals not just the strategies for success, but the emotional resilience required to push through when everything seems to be falling apart.   [00:01 - 03:00] The Financial Reality Check Why being paycheck-to-paycheck as an educator created urgency for change How teachers' natural problem-solving skills translate to real estate success The mindset shift from scarcity to abundance thinking [03:01 - 06:30] Paying for Education with Everything You Have Why Bethany chose to pay for coaching despite having no money How maxing out credit cards and borrowing from retirement accelerated her timeline The importance of momentum over perfect financial circumstances [06:31 - 09:58] The Contractor Nightmare Bethany's experience firing eight contractors on a single project How a 2 AM breakdown led to a crucial coaching breakthrough Why accepting that 10% of deals will lose money changes everything [09:59 - 13:00] From Single-Family to Multifamily Mindset Why most teachers get stuck in the single-family trap How multifamily investing provides better returns and passive income The education process needed to shift from personal liability to business thinking [13:01 - 16:15] Building and Trusting Your Team Why teachers struggle to rely on others after years of self-reliance How GP team dynamics work when everyone goes on vacation at once The importance of setting boundaries and communication protocols [16:15 - 18:05] The Power of Permission and Support Why team members need explicit permission to reach out during emergencies How to transition smoothly through challenges without stressing your team Learning to ask for help before you're overwhelmed   Connect with Bethany: https://www.linkedin.com/in/bethany-finch-amhs/   Key Quotes: "You're gonna pay for your education one way or the other. Either with time or with money." - Bethany Finch "I don't need a cheerleader. I need a coach." - Bethany Finch "10% of all the deals you'll do in a year, you're gonna bring money to that table. The home run King doesn't always hit a home run." - Bethany Finch "Teachers come with a unique skillset already because we're figuring things out on the fly." - Angel Williams   Visit sponsorcloud.io/contact today and unlock $2,000 of free services exclusively for REI Rocks community members! Get automated syndication and investor relationship management tools to save time and money. Mention your part of the REI Rocks community for exclusive offers. Help make affordable, low-cost education summits possible. Check out Sponsor Cloud today!

You've been celebrating your three-paycheck month like it's a financial bonus, but I'm here to tell you, that third paycheck? It's not extra money. It's fake math in action.In this episode of Money Files, I help you shift your mindset and your money systems so you can stop overspending and start building financial peace. I walk you through the exact budgeting strategy I use with clients during three-paycheck months, my simple Three Money Bucket System and how it helps high earners stop leaking money and start getting ahead.You'll learn why this third paycheck is the perfect opportunity to build a buffer, pay annual subscriptions, and get out of the paycheck-to-paycheck cycle for good.If you've ever wondered, “Where did my money go?” after a month with a little more income, this episode is for you.Listen in to learn:[01:11] Why your third paycheck isn't actually “extra”[06:08] The trap of fake math and how to avoid it[09:02] How to apply the Three Money Bucket System in a 3-paycheck month[13:44] The real way to build a buffer and automate peace[18:03] Why predictability not spontaneity creates financial easeTune in now to learn how to treat every paycheck with intention and finally stop letting fake math run your finances.Get full show notes and the episode transcript: https://wealthovernow.com/turn-your-3rd-paycheck-into-a-financial-power-move/ Links mentioned in this episode…Set up a call | Financial Coach Washington, DC | Wealth Over NowDownload my FREE spending plan

Do blondes really have more fun or just fatter paychecks? We dig into new research on the “beauty premium,” focusing on whether women with blonde hair actually earn more. Using fascinating data from a decades-long national survey, Leah explores why women's physical appearance—especially hair color—may shape their income, career prospects, and even who they marry. Is being blonde an economic advantage, or does it feed into harmful stereotypes and workplace discrimination? What does this say about lasting beauty standards, bias, and double standards for women in professional life? Join us as we explore!Follow Leah Ruppanner at https://www.instagram.com/prof.leah/Follow the MissPerceived Podcast on Instagram https://www.instagram.com/missperceivedpodcast Hosted on Acast. See acast.com/privacy for more information.

Do you ever get to the end of the day and wonder where all the time went?Most of us are moving so fast that we skip over the very life we're working so hard to live. We think hustle will lead to fulfillment — but from the spiritual perspective, the opposite is true.In this episode, you'll learn how slowing down can actually create more time and make your days feel fuller, not emptier. I'll share a step-by-step blueprint for weaving presence into the life you already have — without falling behind on your responsibilities.Watch until the end to discover the overlooked shift that changes the way you move through each day.If you enjoyed this episode, you may also like:The Dark Side of Hustle CultureAre You Trading Your Purpose for a Paycheck?Want to be more in alignment with your purpose? Sign up for the 30-Day Inner Work Kickstart — it's totally free at https://www.lightwatkins.com/innerwork Send us a text message. We'd love to hear from you!Uploaded on Aug 25, 2025

A Kingwood woman did not let her walker stop her from protesting in the Fight The Trump Takeover protest. She reminded us that in these serious times, even the 'privileged' may be a paycheck away from poverty.Subscribe to our Newsletter:https://politicsdoneright.com/newsletterPurchase our Books: As I See It: https://amzn.to/3XpvW5o How To Make AmericaUtopia: https://amzn.to/3VKVFnG It's Worth It: https://amzn.to/3VFByXP Lose Weight And BeFit Now: https://amzn.to/3xiQK3K Tribulations of anAfro-Latino Caribbean man: https://amzn.to/4c09rbE

Snag Our Simplified Budget System!Hey budget besties — meet Michelle! Her husband is a police officer with a steady paycheck, while she's a hairstylist juggling inconsistent income, business expenses, and taxes (oh, and still trying to make her personal budget work). Sound familiar?In this coaching session, we dive deep into:How to budget when your business income changes every weekWhy separating business income, expenses, and supplies into different accounts creates financial calmThe key difference between bills and spending (hint: it will change how you set up your accounts!)Building a system for saving for taxes, supplies, and business costs — without the last-minute scrambleHow to “pay yourself” a consistent paycheck, even when your income isn't consistentWays to see the big picture of your family's finances (without overspending when you see extra in the account!)Michelle walked away with a clear roadmap: create an income account, separate business and personal money, and finally automate those transfers so her finances feel as steady as her husband's paycheck.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!"

In this segment, Mark is joined by Elliott Davis, a Retired FOX Two Investigative Reporter. He shares his thoughts on the paycheck controversy involving former St Louis Comptroller Darlene Green.

Romy (38) and Travis (37) are a married couple living in Cape Town—but despite earning over $130,000 a year, they're constantly running on empty. Romy feels the crushing weight of managing everything alone, while Travis avoids financial planning and insists things will “just work out.” Together, they've repeated the exact same dynamic Romy grew up with—right down to the hidden savings and anxious sleepless nights. Can they stop playing financial whack-a-mole and finally build a system that supports their future dreams, or will history keep repeating itself? In this episode we uncover: • Why Travis believes he can always “go fishing” to make money—and how that mindset creates instability. • How growing up with financial chaos shaped both of their attitudes toward money and planning. • The emotional weight Romy carries by being the only one thinking about the future. • Romy's secret UK savings account—why she kept it hidden, and what happened to the money. • Their chaotic approach to buying property—and why they can't clearly say if it's for living or investing. • How disorganized thinking shows up in everything from taxes to tipping the valet. • The truth about their emergency fund (or lack thereof)—and the very real risks they face. • Why Travis's role as the “reassurer” actually prevents change—and how Romy feels trapped by it. • How Ramit challenges Travis to redefine generosity without spending money. • The first steps they take toward rebuilding trust and creating a shared financial system. I'm casting couples right now for a new season of this podcast. If you've been wanting to get my advice on your situation, this is the last chance to talk to me in 2025. Apply now at iwt.com/apply Chapters: (00:00:00) “I tapped my card and it said insufficient funds” (00:09:23) “I'm living the same financial life as my parents” (00:18:13) Ramit breaks down their numbers (00:38:14) The weight of taking on the “man's” role (00:52:48) “I've been poor before—I'll be poor again” (01:02:08) Living on hope, not numbers (01:12:05) “We're doing this together” — building a new financial identity (01:28:56) Where are they now? Romy and Travis's follow-ups This episode is brought to you by: Doola | Go to https://doola.com/ramit and use code RAMIT for 10% off LLC formation and bookkeeping. Facet | Facet is waiving their $250 enrollment fee for new annual members, and for my audience, Facet is offering $300 into your brokerage account if you invest and maintain $5,000 within your first 90 days. Head to https://facet.com/ramit to learn more about which membership option is best for you. DeleteMe | If you want to get your personal information removed from the web, go to https://joindeleteme.com/ramit for 20% off with promo code RAMIT at checkout. Rocket Money | Cancel unwanted subscriptions and manage your expenses the easy way at https://rocketmoney.com/ramit. LMNT | Right now, LMNT is offering 8 single serving packets FREE with any LMNT order. Get yours at https://drinklmnt.com/RAMIT. Links mentioned in this episode • Get tickets for my next live events—September 14 in Atlanta and September 26 in Los Angeles—at iwt.com/events Connect with Ramit • Get my new book, Money For Couples • Get Money Coaching with Ramit • Download the Conscious Spending Plan • Listen to my book—now on Audible • Get my New York Times best-selling book • Get my no-numbers journal • Other episodes • Instagram • Twitter • YouTube If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here.

Ever wonder what it really means to invest while you're still working?Carson and Myles are here to break it down on this episode of Retire While You Work®. Your paycheck isn't just for today — it's your most powerful tool to build wealth and create future freedom.They dive into how to make the most of employer plans like 401(k)s, HSAs, IRAs, and how to use bonuses and company stock the smart way. It's not about perfect timing or picking the hottest stocks — it's about consistency, automation, and intentional steps that set you up for success.Whether you're just starting out or looking to level up your investing game, this episode is packed with practical tips to help you invest confidently while you're employed.Tune in now, and give your future self a raise!

What if retirement feels more like a rut than a reward? In this episode, Jim Fox tackles the emotional side of retirement—boredom, purpose, and the one-third of retirees who aren’t happier after leaving work. Through personal stories and heartfelt advice, Jim encourages listeners to build a “punch list” of meaningful goals and find fulfillment beyond finances. Whether it’s volunteering, reconnecting with family, or rediscovering a passion, this episode is a reminder that happiness in retirement starts with intention, not income. Ready to connect with Jim today? Get some Financial Straight Talk! Follow us on social media: YouTube | FacebookSee omnystudio.com/listener for privacy information.

Most people don't realize it until it's too late. You've built a life that looks impressive on paper—but feels empty to live. Bills, responsibilities, and expectations pile up. The dream that once lit you up has been replaced by status-chasing and ego-driven choices.In this episode of The Spiritual Perspective, you'll learn a new framework for making purpose-based decisions—without blowing up your life. You'll discover how to reconnect with your core values, redefine success from the inside out, and know when to say yes (or no) based on alignment, not ego.And yes—there is one situation where going for the money isn't selling out, but is actually spiritually sound. We'll break that down, too.Listen next:How to Unlock Free WillThe Easy Life LieFree Resource: If your inner work has been inconsistent, start my free 30-Day Inner Work Kickstart—your on-ramp to living with more clarity and fulfillment. Sign up here: https://www.lightwatkins.com/innerworkSend us a text message. We'd love to hear from you!

Leadership Issues in the Church(1 Timothy 5:17-25)Message SlidesSix Words of Warning for Ministers - SwindollDiscipline of Elders - SwindollHope for Fallen Spiritual Leaders - SwindollDiscipline - J.I. PackerIntroduction: “It annoys me when people praise someone for being a “servant leader” as though there is any other valid option.” - Patrick LencioniFor the bulletin in PDF form, click here.Elders Leading Well: Honor for all and a Paycheck for Some (5:17-18)Spiritual Leaders should be appropriately honored for their service. • Ruling Elders should be honored (5:17a). • Teaching Elders should be compensated (5:17b-18).Elders Not Leading Well: Procedure for Public Discipline (5:19- 22)Spiritual Leaders who falter should be appropriately disciplined. • The Process: Witnesses are required (5:19). • The Procedure: Public rebuke is needed (5:20). • The Precaution: Partiality is excluded (5:21). • The Preventative: Do not be hasty to ordain (5:22).Fences for Elders in General: Caution and Constant Attention (5:23-25)Spiritual Leaders and Church Members Should Live Now in Light of Then. •. Take Care of Yourself (5:23). •. Everything Eventually Comes to Light (5:24-25) - Some Behavior - good or bad - is obvious. - Some Behavior-good or bad - is hidden God has designed the church to be led by qualified and consistently godly men who are tested and honored.FinancesWeekly Budget 34,615Giving For 07/27 24,467Giving For 08/03 27,898YTD Budget 173,077Giving 157,741 OVER/(UNDER) (15,336) Home Church Launches August 17thHome Church small groups are about building a deep community where we are transformed into the image of Christ and serve a broken world for the sake of the gospel. All of this takes place through fellowship, engaging the Word, praying together, and serving alongside one another. If you are not in a Home Church, we encourage you to go to fellowshipconway.org/homechurch, fill out the form, and we will get you connected. If you have questions, please contact Michael at mharrison@fellowshipconway.orgNew to Fellowship?We are so glad that you chose to worship with our Fellowship Family this morning. If you are joining us for the first time or have been checking us out for a few weeks, we are excited you are here and would love to meet you. Please fill out the “Connect Card” and bring it to the Connection Center in the Atrium, we would love to say “hi” and give you a gift. Help Connect College StudentsKnow of a college student staying in Conway or coming to Conway for school? We want to know! Contact Andrew at astauffer@fellowshipconway.org. Fellowship College launches August 21st. Fellowship Kids Volunteers for Fall 2025If you would like to be a part of teaching kids about Jesus, hearing great Bible Stories and singing praises all while hanging out with some great kids, we have some opportunities for you! Fall session starts August 17. There are areas in story telling, worship, class and behind the scene opportunities. If you would like to learn more and/or join us, go to fellowshipconway.org/register to find the perfect spot for you. Fellowship 101We invite you to join us on Sunday, September 14, at 9:00 a.m. to learn more about Fellowship. This is a great opportunity to hear about our mission, values, and ministries. If you're new to Fellowship, join us in the conference room (first floor) to hear what God is doing and where He is taking us. During this time, you will meet some of our ministry leaders and get to ask questions. Register at fellowhipconway.org/register.Men's Fall Theology Study Join us, Thursdays, beginning September 4, 6-7:00 a.m. (church library) for a discussion-oriented study, led by Ken Wilson as we explore what the Bible teaches about the nature, purpose, and mission of the Church. This is a great opportunity to grow in theological depth and enjoy meaningful conversation with other men who desire to think biblically and live faithfully. Bring your Bible, your questions, and a readiness to engage. We hope to see you there!Deacon UpdateFellowship is excited to recognize deacons as part of the leadership structure next Sunday during both worship services. Please be praying for these servants as we release them to further the Lord's impact here at Fellowship and beyond.

Snag Our Simplified Budget System!Hey budget besties — today we're diving into a topic so many of us struggle with: making the leap from credit card reliance to a simple, stress-free budget system. Meet Sam, who (like a lot of us) thought using a credit card for everything was the safest and smartest choice — until she realized it was keeping her family from saving and causing total budget chaos.In this coaching session, we walk Sam through:Why relying on a credit card keeps you a month behind (and how to break that cycle!)How to build a budget that actually works when your partner is on the road for workSetting up separate accounts (groceries, spending, restaurants… yes, even travel volleyball!) so every dollar has a jobThe truth about debit card protections vs. credit cards (hint: you're safer than you think!)What to expect in your first month of making the switch — and why it's worth pushing through the messy middleIf you've been wondering how to get off the credit card hamster wheel, start saving consistently, and feel in control of your money (without micromanaging every purchase), this episode will feel like a deep breath of fresh air.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!"

What happens when you devote your life to raising a family—stepping away from the workforce, supporting your partner's career, managing the household—only to realize one day that you have no financial autonomy? That you've been left in the dark about your own future?In this episode, we're joined by Anna Goff, a former stay-at-home mom turned fierce financial advocate, who opens up about her own journey through marriage, motherhood, and an eye-opening divorce. Anna's story is raw and revealing, and it underscores a reality too many women face: being financially vulnerable in a relationship, especially without a paycheck of their own.We unpack what true partnership looks like, how to create transparency around money before it's too late, and the exact steps Anna recommends for any caregiver or non-earning partner to protect themselves—emotionally, legally, and financially.Anna also shares details about her accessible and deeply practical course, Protect Yourself Without a Paycheck, designed for women navigating these exact challenges.

Dreaming of escaping the paycheck trap?

In this episode, Paul challenges the common belief that more money automatically equals a better life, diving into the deeper aspects of personal finance. He explores how money matters can be amplified, not solved, by a simple raise, and encourages viewers to seek true financial wellness.  Discover why mindfulness in spending and saving is crucial for lasting financial freedom and overall self improvement. -- This Material is Intended for General Public Use. By providing this material, we are not undertaking to provide investment advice for any specific individual or situation or to otherwise act in a fiduciary capacity. Please contact one of our financial professionals for guidance and information specific to your individual situation. Sound Financial LLC dba Sound Financial Group is a registered investment adviser. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and, unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Past performance is not indicative of future performance. Insurance products and services are offered and sold through Sound Financial LLC dba Sound Financial Group and individually licensed and appointed agents in all appropriate jurisdictions. This podcast is meant for general informational purposes and is not to be construed as tax, legal, or investment advice. You should consult a financial professional regarding your individual situation. Guest speakers are not affiliated with Sound Financial LLC dba Sound Financial Group unless otherwise stated, and their opinions are their own. Opinions, estimates, forecasts, and statements of financial market trends are based on current market conditions and are subject to change without notice. Past performance is not a guarantee of future results.

The Break Room (WEDNESDAY 8/6/25) 7am Hour 1) How long could you go at a job without receiving a paycheck before you decide to quit? 2) Rochester is not a dessert focused city 3) Staying in the Buffalo Bills loop is going to cost you

New job, more income — now what? Hear how one listener is managing his Roth IRA, health savings account, high-yield savings, and more. Is it smart to use a Roth IRA like a savings account? How should you prioritize your money across savings, debt, and retirement after getting a higher-paying job? Hosts Sean Pyles and Elizabeth Ayoola answer a listener's question about managing multiple financial goals and choosing the right accounts for short- and long-term needs. But first, they share their money hot takes, including Elizabeth's thoughts on Buy Now, Pay Later (BNPL) loans and Sean's interest in stronger pro-consumer protections in light of recent federal rollbacks. Then, they talk to listener Jake, who recently relocated for a new job and is navigating how to allocate his money now that he's earning a bigger paycheck. Jake wants to know if it makes sense to use a Roth IRA for savings and how to simplify or optimize his mix of bank accounts. They cover how to prioritize emergency savings, retirement contributions, and future goals like a home purchase, all while avoiding analysis paralysis and making the most of high-yield savings accounts. Inspired to navigate your finances with an advisor? Use NerdWallet Advisors Match to find vetted professionals today at https://www.nerdwalletadvisors.com/match  Learn more about NerdWallet Wealth Partners: https://nerdwalletwealthpartners.com/  Want us to review your budget? Fill out this form — completely anonymously if you want — and we might feature your budget in a future segment! https://docs.google.com/forms/d/e/1FAIpQLScK53yAufsc4v5UpghhVfxtk2MoyooHzlSIRBnRxUPl3hKBig/viewform?usp=header In their conversation, the Nerds discuss: how to use a Roth IRA for savings, Roth IRA withdrawal rules, high yield savings account vs Roth IRA, best high yield savings accounts, what is a CD ladder, Buy Now Pay Later pros and cons, budgeting after a raise, how to prioritize financial goals, how to automate savings, how to manage multiple bank accounts, closing bank accounts and credit score, best place to save for house down payment, emergency fund vs Roth IRA, what to do after getting a new job, student loan repayment benefits, HSA contribution strategy, how to save for a house in 5 years, budgeting in high cost of living area, saving for short-term goals, pros and cons of online-only banks, how to overcome analysis paralysis in finance, Roth IRA vs high yield savings account, how to choose a bank, CFPB budget cuts impact, FTC click-to-cancel rule rollback, responsible use of debt, financial planning for tech professionals, credit score impact of closing bank accounts, reverse budgeting explained, safe ways to grow savings, how to build financial peace, using automation in budgeting, HSA vs IRA vs savings, debt vs savings prioritization, how to start a CD ladder, and when not to invest money. To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email podcast@nerdwallet.com. Like what you hear? Please leave us a review and tell a friend. Learn more about your ad choices. Visit megaphone.fm/adchoices

My life-changing annual event, The Summit of Greatness, is happening September 12 & 13, 2025. Get your ticket today!Check out the full episode: greatness.lnk.to/1802"A decade of sacrifice. If you put in that decade of spending less and earning more, and you take this money and instead of buying that Gucci, you go out and you buy these assets - now those assets are paying you monthly or quarterly, and you can spend that money on whatever you want." - Jaspreet SinghJaspreet Singh built his wealth by understanding something most people ignore: recessions aren't random disasters - they're predictable patterns that happen every decade. While others panic when markets crash, he sees opportunity. But here's what separates him from everyone else giving financial advice: he doesn't just tell you to "invest more." He breaks down the brutal truth about why most people stay broke even when they make good money, and reveals the three-step system that turns financial chaos into wealth-building momentum. His story isn't about getting lucky or having a trust fund - it's about recognizing that building wealth works like building physical health, except with one massive advantage: the results compound forever.What makes this conversation different is how Jaspreet flips the script on traditional money advice. Instead of focusing on budgeting and penny-pinching, he shows you how to think like wealthy people who build "reserves" that keep paying them even when they stop working. You'll discover why the longest period without a recession in modern history just ended, what that means for your money right now, and the exact strategy he used to find profitable real estate deals even during the hottest housing market ever. This isn't about sacrificing everything you enjoy - it's about understanding the difference between spending money and investing it, so your future self can afford whatever you want.Sign up for the Greatness newsletter: http://www.greatness.com/newsletter

After 40 years of saving diligently, listener Jeff is retiring next month—and like many new retirees, he's asking the question the industry rarely answers: How do I actually spend my 401(k)? In this episode, Pete and Damian walk through the critical decisions that come after the last paycheck: how much to withdraw, which accounts to pull from first, and how to invest your portfolio for a retirement that could last 30+ years. From the 4% rule to bucket strategies and tax-efficient withdrawal planning, we're breaking down the complex into the practical. Whether retirement is right around the corner or still a decade away, this episode will help you think differently about what it means to turn savings into sustainable income.

When it comes to money, most people are searching for two things: security and peace of mind. That's understandable—life is unpredictable, expenses arise, and markets swing. But what if true peace isn't found in your circumstances at all?Financial wisdom doesn't start with a budget or a savings plan. It begins with trust—specifically, trusting in the Lord. Proverbs 3:5–6 reminds us, “Trust in the Lord with all your heart and do not lean on your own understanding. In all your ways acknowledge Him, and He will make straight your paths.”If you chase peace through your paycheck or portfolio, you'll always come up short. But when Christ is your foundation, you begin to see money in a new light—not as a source of peace, but as a tool to steward.Five Secrets to Financial Wisdom from God's Word1. Know Who Owns It All. Psalm 24:1 says, “The earth is the Lord's, and everything in it.” Everything belongs to God—your income, your retirement, even your ability to earn. That means we're not owners; we're stewards, entrusted with God's resources to manage faithfully.2. Spend With Purpose. Jesus asks in Luke 16:11, “If you have not been trustworthy in handling worldly wealth, who will trust you with true riches?” Spending should reflect God's priorities—giving, saving, living within your means, and investing in eternal impact.3. Avoid the Slavery of Debt. Proverbs 22:7 warns, “The borrower is slave to the lender.” Debt can limit your freedom to give and respond to God's calling. Wise stewards build margin and pursue freedom—not because debt is always wrong, but because freedom is better.4. Save With Perspective. Proverbs 21:20 says, “The wise store up choice food and olive oil, but fools gulp theirs down.” Saving isn't about hoarding; it's preparation for what God might have ahead. But remember: your security isn't in your savings—it's in the Savior.5. Give First, and Freely. 2 Corinthians 9:7 tells us, “God loves a cheerful giver.” Generosity reflects God's heart. It breaks the grip of greed and aligns us with His Kingdom. When we give, we declare, “God, I trust You more than I trust this money.”Anchored in ChristFollowing these biblical principles won't guarantee worldly success. Even the most faithful stewards face trials. But when your foundation is Christ, you're anchored. Isaiah 33:6 says, “He will be the sure foundation for your times, a rich store of salvation and wisdom and knowledge.”So if you're looking for security or peace, don't start with a spreadsheet—start with surrender. Financial wisdom begins when you recognize that your Provider is also your Redeemer. And in Him, you have more than enough.On Today's Program, Rob Answers Listener Questions:My deceased friend's estate is in probate, and he owned an LLC registered in another state. I've been told that if a new manager isn't appointed, the LLC will be considered closed after 90 days. Once my friend's family receives the letters of instruction, how should they go about settling or managing the LLC?I'm struggling financially and can't make this month's mortgage payment. My lender has offered two options: a repayment plan and a forbearance. What's the difference between them, and how will each option affect my credit score?My husband is switching jobs, and his current 401(k) has a balance of less than $500. His new employer doesn't offer a retirement plan. What are our best options for what to do with this small amount?My son is thinking about filing for bankruptcy, but still hopes to buy a house sometime in the future. How will bankruptcy impact his credit, and realistically, how long will it take for him to be able to qualify for a mortgage again?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)The Sound Mind Investing Handbook: A Step-by-Step Guide to Managing Your Money From a Biblical Perspective by Austin Pryor with Mark BillerWisdom 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) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Click here to listen to the full episodeMany people feel frustrated and stuck at work, but they don't know how to make a change or find their dream job. In this episode, Brian interviews Ken Coleman about his new book, “From Paycheck to Purpose.” Ken shares the steps anyone can take to find a career they love, do work they were uniquely created for and discover their true purpose in life. YOU WILL LEARN:Why the work we do is deeply connected to our purpose.Why so many people get trapped in an unfulfilling career.The 7 stages to discovering and doing meaningful work. MENTIONED IN THIS EPISODE: “From Paycheck to Purpose,” by Ken ColemanINSPIRATIONAL QUOTES FROM THIS EPISODE:“There are really two elements of work - provision, and contribution. And when you only work for provision, there's a huge part of who you are that has never been engaged.” – Ken Coleman“We are souls and we are created to contribute. And if you don't contribute something that matters to you, then there's something missing.” – Ken Coleman“Clarity leads to confidence. And confidence leads to courage.” – Ken Coleman“To experience something of significance, it is only significant because of the difficulty of the journey.” – Ken Coleman“Ultimately how we move up in life is by improving who we are, and thus maximizing our contribution.” – Ken Colemanitsagoodlife.com Hosted on Acast. See acast.com/privacy for more information.

Dr Boyce explains the paycheck to paycheck issue in the United States.

The View is going on "Hiatus", who the hell would pay ten million on Joe Biden's memoir and Hulk Hogan has passed at age 71.  Visit the Howie Carr Radio Network website to access columns, podcasts, and other exclusive content.