Podcasts about Paye

durée : 00:14:00 - Carnets de campagne - par : Dorothée Barba - Au programme des Carnets du jour en Corrèze : une plateforme de suivi de la douleur, créée par l'association France Spondylarthrite dont le siège est à Tulle, et le réseau Permatrek qui propose des séjours itinérants dans des fermes. Vous aimez ce podcast ? Pour écouter tous les autres épisodes sans limite, rendez-vous sur Radio France.

Les caisses automatiques sont de plus en plus présentes dans les grandes surfaces, et permettent à ces dernières de faire de grandes économies. Mais alors pourquoi les clients ne pourraient pas bénéficier d'une réduction en utilisant ces machines ? Tous les jours, retrouvez en podcast les meilleurs moments de l'émission "Ça peut vous arriver", sur RTL.fr et sur toutes vos plateformes préférées. Hébergé par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

Pete and Roger answer six listener questions covering Coast FIRE strategies with GIAs, US 401(k) tax implications in the UK, record keeping for IHT-exempt gifts, Australian pension taxation for UK residents, pension contributions to avoid the £100k tax trap, and managing a £2M portfolio as Power of Attorney. Shownotes: https://meaningfulmoney.tv/QA39    01:17  Question 1 Hi Pete and Roger, I'm 29 and working towards Coast FIRE within the next 2–3 years so I can begin a digital nomad lifestyle — working remotely while knowing my long-term retirement is taken care of. Right now, I've got: - £45k in a Stocks & Shares ISA - £25k in a workplace pension (via salary sacrifice) - A Lifetime ISA for a future house deposit (or later retirement) - A fully funded emergency fund I've already maxed out my ISA for this tax year and plan to continue doing that every year. But I have more money to invest now, and I know that to reach Coast FIRE on my timeline, I need to start using a General Investment Account (GIA). Here's where I'm stuck: I want to keep things simple and tax-efficient, but I feel a bit nervous about GIAs. I keep hearing about the "bed and ISA" strategy but don't really understand how it works in practice or how to implement it over time. Could you explain: - How best to use a GIA alongside an ISA when working towards FIRE? - How to manage capital gains and dividend tax efficiently? - And how the bed and ISA approach actually works — especially for someone trying to keep things simple? Thank you both so much — your podcast has been an incredible resource and a big part of why I've been able to take control of my finances. Warmly, Pauline 12:22  Question 2 Hello Pete & Roger I am very late convert to the podcast but have been ploughing through the Q&A for a few days now. I think I only have another 592 episodes to get through so should be up to date by the end of the week !! I am not sure whether this has been covered or not. I have a 401K plan that has been hibernating in the USA for 20 years. I have only recently started looking at it and now need to understand the tax implications. I have tried to read HMRC guidelines on tax treaties etc but get even more confused than before. My current belief is that the provider will pay this money out by means of US issued cheque (not a problem) but withhold 30% tax (a problem). How will HMRC treat this? The usual sources http://unbiased.co.uk for one run for the hills on finding information about this, is this an area you can provide guidance, but obviously not advice as I know you cannot through the podcast. Regards, Stephen 16:10  Question 3 Hi Pete & Roger, Like so many people I am really impressed, not just with your knowledge and great communication skills, but that you put out such life changing content. You're providing us with the means to help ourselves in this financial world as well as letting us know when to seek professional help. On to my question: we're (wife and I) retired (late-60s) and are lucky enough to have more than enough to comfortably live on, thanks to DB & state pensions, house price inflation etc. Not really through any financial planning but just having been born at the right time! So we do now have an IHT liability. We have a joint second death Whole Of Life policy (in trust) in place for potential IHT and have given help with house deposits for our children. We also are gifting to the kids out of our excess income and would like your thoughts on the type of record keeping needed for this. We have letters stating the intention to give the gifts, recording who to etc. We keep completed IHT403 forms which we update annually. We also have a monthly/annual spreadsheet of income/expenses which demonstrates our surplus and keep track of expenses with the MeMo transaction tracker (thanks for that). These are all in our 'WID' file (again thanks to you for that). What we're not sure about is any documentation that might be needed to evidence the figures. Income is straightforward with P60s, statements of interest/dividends. However, what is required for expenses? Can't really keep all supermarket receipts etc and even bank/credit card statements would be quite bulky over several years. Not sure if we're overthinking but don't want to leave a difficult task for our kids when we're gone. Thank you both again for all the good you are doing Simon 20:33 Question 4 Brian (in Australia) Thank you for all your podcasts and videos but I think I may have to sign up to the academy to fully get my head around all the UK rules. We are looking to move to the UK from Australia - we have no UK govt pension entitlements but are retired with personal Australian private superannuation account pensions. The pension income payments and withdrawals are all tax free in Australia but will the UK government apply a tax on these pension payments once we are UK residents?   Thanks again for all your useful information. Regards, Brian 22:55  Question 5 Hi Roger (and Pete), I had a question which is boiling my brain far more than it should and I was hoping you could include it in one of your Q&A episodes. I'm in the fortunate position of being caught by the £100k 'tax trap' due to being paid a bonus for the first time in a number of years. This particular first-world problem is being made all the worse because my daughter will start nursery next year so in addition to the 60% tax charge on my bonus, we would also lose the 30 free hours of childcare we currently have access to. I currently salary sacrifice roughly £5,000 of salary into my pension (which my employer matches) and this holds my income at £99,000. However there is no option for me to do any kind of 'bonus sacrifice'. My only choice is to receive the bonus payment net of tax & NI through PAYE and then make a payment into my personal pension (a Vanguard, low cost multi-asset fund, just like you taught us!). I think I'm right in saying my pension provider will claim back the basic rate tax automatically for me, and I can then claim back the other 20% via my tax return with HMRC paying this extra 20% back to me directly. So far so easy, but what I can't work out is just how much I have to pay in to my pension in order to take all of the bonus payment out of my taxable income. Presumably its not the net amount extra that gets paid into my bank account on the month my bonus is paid because this will also be net of NI, meaning I wouldn't have paid enough in to avoid the £100k trap. Assuming my bonus payment was £10,000 (I don't know the exact figure yet but its likely to be around this amount), could you talk through how to calculate the net payment I need to make into a personal pension to achieve the desired result? As a follow up to this, if HMRC send me a cheque (very 1990's) for say £2000 of refunded higher rate tax, do I need to pay this into my pension in the next tax year to avoid having it counted towards my taxable income in that financial year? Please keep up the great work that you both do, you've really helped me get my financial life in order after an extremely difficult period in my life. Thank you both! Jimmy 27:29  Question 6 Hi Pete and Rog, Firstly, a huge thank you for all the insight and support you continue to offer. The impact of the Meaningful Money Podcast is immense—I've personally benefited so much from your free content over the years. I'll keep this as brief as I can: My great aunt (now 84) has built a substantial portfolio over decades—about £2 million across ~60 individual company shares, with approx. £1.3 million in a GIA and the rest in S&S ISAs. She also holds £400k in fixed-term bonds, savings accounts, and premium bonds. Sadly, she was diagnosed last year with dementia and Alzheimer's and now resides in a care home. I am her Power of Attorney and want to act in her best interests—simplifying her affairs and ensuring tax efficiency, especially regarding her legacy. She has no spouse or children but wishes to leave money to nieces, nephews, and charities. Here's my working plan: - Offset gains in the GIA by selling loss-making investments (totalling £30k–£40k) alongside some of the profit making investments to reduce market exposure without incurring CGT costs.     - Liquidate all shares in her S&S ISAs and transfer funds into cash ISAs with decent interest rates - Leave most of the GIA portfolio untouched to benefit from the CGT uplift on death Am I broadly on the right track for tax efficiency and sensible financial planning? Should I seek formal advice to ensure I'm doing the best by her? Thanks again for all you do—it really matters. Best regards, Josh  

Aujourd'hui, Joëlle Dago-Serry, coach de vie, Bruno Poncet, cheminot, et Jean-Loup Bonnamy, professeur de philosophie, débattent de l'actualité autour d'Alain Marschall et Olivier Truchot.

Get ideas for spending less in February and learn how deferment affects Public Service Loan Forgiveness (PSLF) payments. How can a month-long spending challenge reset your money habits? Should you keep paying student loans while in grad school if you're close to Public Service Loan Forgiveness and planning a move? Hosts Sean Pyles and Elizabeth Ayoola discuss no-spend experiments and “friction” strategies to help you build spending habits that stick while juggling big life changes. Joined by personal finance Nerd Amanda Barroso, they begin with a discussion of designing a February no-spend challenge, with tips and tricks on setting rules that fit your life, deciding where the saved money will go, and avoiding a binge-and-purge rebound. Then, lending Nerd Kate Wood joins Sean and Elizabeth to help answer a listener's question about how to weigh student loan payments against saving for a new home. They discuss how deferment affects qualifying PSLF payments, what to check before switching repayment plans or taking out new grad school loans, and how to prioritize cash flow when you're balancing a car payment, a mortgage, and an emergency fund. See NerdWallet's list of the best private student loans: https://www.nerdwallet.com/student-loans/best/private-student-loans  See all the winners of NerdWallet's Best-Of Awards: https://www.nerdwallet.com/l/awards?utm_source=sm&utm_medium=podcast&utm_campaign=cm_organic_020226_podcast_sm_desc_allepisodes_best-of-awards  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: no-spend challenge, low-spend challenge, spending freeze, budgeting challenge, money habits, impulse spending, track expenses, friction-maxxing, cash-only budget, stop online shopping, takeout spending, spending triggers, phone addiction and spending, Brick phone blocker, attention and spending, sinking fund, emergency fund, high-yield savings account, student loan deferment, student loan payments in grad school, Public Service Loan Forgiveness, PSLF qualifying payments, PSLF payment count, qualifying employer PSLF, income-driven repayment, PAYE repayment plan, Income-Based Repayment, Income-Contingent Repayment, Repayment Assistance Plan, graduate student loan changes 2026, Grad PLUS loans, federal student loan borrowing limits, professional degree loan cap, nursing graduate student loans, buying a house with student loans, mortgage planning, moving costs, car payment budget, and student loan forgiveness uncertainty. 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

Toute l'actu des sélections nationales et des championnats anglais, espagnol, italien et allemand avec nos légendaires "Drôles de Dames" : Julien Laurens, Fred Hermel, Polo Breitner et Johann Crochet.

Questions? Thoughts? Send a Text to The Optometry Money Podcast! We'll answer your question on the show.In this first-ever OD listener Q&A episode, we tackle seven questions covering practice ownership, retirement accounts, student loans, and tax strategy. From why your practice is your most important investment to navigating the backdoor Roth IRA maze, we break down what actually matters for ODs at different career stages.Submit Your Questions to the Podcast:Submit your questions for future Q&A episodes: OptometryWealth.com/podcastquestionListener Questions We Tackle:What can younger optometry practice owners do to build wealth in the first few years of ownership?How are "backdoor" Roth IRA contributions recorded on an optometrist's tax return?Why does a traditional IRA "ruin" the "backdoor" Roth IRA contribution for optometrists?Why is a 401(k) plan "better" for optometry practices than a SIMPLE IRA?Are owner's distributions from optometry practices taxable?Should optometrists pay down student loans or save for practice ownership?If an optometrist is on the PAYE plan for student loans, does he/she need to switch repayment plans due to the One Big Beautiful Bill Act?Episode Chapters[00:00:52] What can younger optometry practice owners do to build wealth in the first few years of ownership?[00:06:08] How are "backdoor" Roth IRA contributions recorded on an optometrist's tax return?[00:09:01] Why does a traditional IRA "ruin" the "backdoor" Roth IRA contribution for optometrists?[00:12:29] Why is a 401(k) plan "better" for optometry practices than a SIMPLE IRA?[00:17:25] Are owner's distributions from optometry practices taxable?[00:20:42] Should optometrists pay down student loans or save for practice ownership?[00:25:34] If an optometrist is on the PAYE plan for student loans, does he/she need to switch repayment plans due to the One Big Beautiful Bill Act?Resources MentionedSubmit your questions for future Q&A episodes: OptometryWealth.com/podcastquestionThe Optometry Money Podcast Ep 151: How Filing Taxes Separately Impacts Student Loan Outcomes for OptometristsThe Optometry Money Podcast Ep 143: How the Final One Big Beautiful Bill Act Impacts Optometrists – Taxes, Student Loans, and More!The Optometry Money Podcast Ep 68: Financial Planning Considerations When Preparing for Practice OwnershipThe Optometry Money Podcast Ep 69: Financial Planning Considerations for the Early Years of Practice OwnershipThe Optometry Money Podcast Ep 70: Financial Planning Considerations for Owners of Established Optometry PracticesThe Optometry Money Podcast Ep. 49: An Optometrist's Guide to Business EntitiesThe Optometry Money Podcast is dedicated to helping optometrists make better decisions around their money, careers, and practices. The show is hosted by Evon Mendrin, CFP®, CSLP®, owner of Optometry Wealth Advisors, a financial planning firm just for optometrists nationwide.

Au-delà des discriminations et des enjeux de représentation, comment les mécanismes de racialisation impactent-ils les esthétiques dans l'art contemporain ? Les artistes racisé·es peuvent-iels échapper à une lecture exotisante de leurs œuvres ? Comment « décoloniser » réellement les institutions artistiques ?Car faire partie du milieu de l'art contemporain en tant que personne non blanche, c'est souvent devoir naviguer entre besoin de réparation, injonction à certains récits, tout en essayant d'esquiver une potentielle récupération. Dans cet épisode, on parle « trauma porn », extractivisme de l'intime, et stratégies à mettre en place pour survivre dans ce milieu au vernis progressiste mais où le racisme est encore bien ancré.On en discute dans ce nouvel épisode de Paye ta vie d'artiste !, avec Aphélandra Siassia, journaliste et chercheuse, dont la thèse en cours porte sur la représentation des corps féminins noirs dans la photographie, et Inès Geoffroy, cheffe de projet expositions à La Villette et curatrice indépendante. Pendant l'émission, on entend également l'historienne de l'art Elora Weill-Engerer, l'artiste et chercheuse Mariam Benbakkar, et la commissaire d'exposition Claire Tancons.On précise que dans cette discussion, ce qu'on nomme « questions raciales » inclut aussi bien les enjeux liés à la couleur de peau et aux origines ethniques, qu'à d'autres formes de minorisation connexes, par exemple l'appartenance religieuse ou culturelle, qui peuvent aussi, dans notre contexte, faire l'objet d'une forme de racialisation.Merci à toutes les personnes qui ont contribué à nourrir notre réflexion lors de la préparation de cette émission : Flora Fettah, Assia Ugobor, Eva Doumbia, Kmar Douagi et Gil Lekh.CréditsInvitées : Inès Geoffroy et Aphélandra SiassiaAvec les interventions de Elora Weill-Engerer, Mariam Benbakkar, Claire TanconsAutrices & réalisatrices : Soizic Pineau et Sarah DiepMusique et habillage sonore : Alexi ShellDesign graphique : Dana GalindoMerci à Théo et à Radio Grenouille pour la réalisation technique.Merci également au Bateau Louche pour leur aide à la production.Paye ta vie d'artiste ! est un podcast Manifesto XXI produit avec le soutien de Radio Grenouille. La saison 2025-2026 a été rendue possible grâce à la Région Sud et à la Ville de Marseille.Plus de ressources sur notre instagram, @payetaviedartiste.podcast, ainsi que sur manifesto-21.com ! Hébergé par Acast. Visitez acast.com/privacy pour plus d'informations.

If you're a business and you had some of your key staff at arm's length via a contract in order to avoid PRSI and pension payments, you are rapidly running out of time to get your relationships in order with the tax man. That's because Friday at 5pm is the deadline for you to have declared staffers who weren't on PAYE, paid any outstanding taxes and or sorted out some sort of payment stream with Revenue. It all stems from a key Supreme Court ruling 2 years ago and joining us to explain it all is. Sandra Brennan, EY Ireland Tax controversy Partner joined Joe Lynam on the show.

Being a social enterprise or Community Interest Company does not mean tax obligations disappear. In this episode, we walk through the real tax position for CICs, clearing up misunderstandings that regularly catch directors out. We cover corporation tax, VAT, payroll, grants, and how structure affects your tax exposure. What Is a Community Interest Company? A Community Interest Company is a special type of limited company created to serve the community. It sits between a traditional profit-making business and a charity. While the purpose is social or environmental, CICs are still companies and remain firmly within the UK tax system. Corporation Tax and CICs CICs pay corporation tax just like any other limited company. If trading income exceeds allowable expenses, the resulting surplus is taxable. Being values-led or not-for-profit does not remove this obligation. Corporation tax rates currently range from 19% for profits up to £50,000, rising to 25% for profits over £250,000, with marginal relief applying in between. Making a surplus is not a failure — it shows sustainability. What matters is how that surplus is managed and reinvested. VAT: A Common CIC Trap VAT frequently causes problems for Community Interest Companies. Grants and donations are usually outside the scope of VAT and do not count toward the registration threshold. However, income from selling goods or services does. If taxable turnover exceeds £90,000 over a rolling 12-month period, VAT registration becomes mandatory. Profitability is irrelevant. Voluntary registration may be possible, but charging VAT to non-VAT-registered communities can create real cost pressures. Digital systems such as Xero cloud accounting help track turnover accurately and reduce the risk of missing VAT thresholds. Employing Staff and PAYE Once a CIC employs staff, PAYE applies. This includes registering as an employer, operating payroll, deducting tax and National Insurance, and paying employer contributions. From April 2025, employer National Insurance applies once earnings exceed £5,000 per year, charged at 15%. Employment Allowance may reduce the impact, but payroll obligations remain. Freelancers, Contractors, and Risk CICs using freelancers must assess employment status correctly. The engager is responsible for determining whether someone is genuinely self-employed. This is based on control, substitution, and equipment — not personal preference. CIC Structure: Shares vs Guarantee CICs can be limited by guarantee or by shares. Guarantee-based CICs have members and reinvest all surpluses. Share-based CICs may pay dividends, but these are capped by regulation and are never tax-deductible. The structure chosen affects profit distribution, funding options, and long-term strategy. Grants and Tax Treatment Grants are a major income source for many CICs. Most grants are restricted income and recognised in line with project delivery. Unused funds are deferred rather than treated as profit. Grants usually fall outside VAT, unless linked to specific service delivery. While grants themselves may not be taxable, any surplus generated can still create tax implications. Practical Tax Planning Tips Keep Clear Records Accurate records from day one reduce risk and stress. Cloud accounting provides visibility and control. Plan for Tax Bills If a surplus arises, setting aside funds early avoids last-minute pressure. Tax is a sign of success, not failure. Understand Your Obligations Corporation tax, VAT, PAYE, Companies House...

Les influenceurs façonnent nos désirs, nos opinions… et parfois nos comportements les plus intimes. Mais qui contrôle vraiment ce pouvoir ?Dans cet épisode, on plonge au cœur d'un secteur en pleine explosion, entre opportunités économiques, dérives systémiques et zones grises éthiques. Influenceurs, marques, plateformes, politiques : tout le monde utilise les mêmes codes, souvent sans en assumer les conséquences.Où commence l'inspiration ? Où s'arrête la manipulation ?Pourquoi le respect de la loi reste-t-il si largement ignoré ?Et que dit l'influence de notre rapport à l'argent, à l'écologie, à la réussite… et aux enfants ?Greenwashing, partenariats opaques, pression des algorithmes, anxiété permanente, responsabilité sociale des créateurs, influence des mineurs, instrumentalisation politique : cet épisode démonte les mécanismes de l'influence moderne sur TikTok, Instagram, YouTube et autres réseaux sociaux, et questionne notre tolérance collective à ses abus.Parce que l'influence n'est pas qu'un métier. C'est un fait social total. Et ses impacts sont bien plus profonds qu'on ne veut l'admettre.

Banking in Nigeria was once defined almost entirely by interest — how much borrowers paid, and how much savers earned.But since the return to democracy in 1999, that familiar system has been quietly challenged.Banks that promise profit… without interest.What was once dismissed as controversial, unrealistic, or even dangerous to the financial system has steadily grown into a recognised part of Nigeria's economy.Today, from Abuja to Kano, Lagos to Maiduguri, non-interest banks are financing businesses, supporting farmers and traders, and funding major projects.On Nigeria Daily, we examine how non-interest banking rose during Nigeria's Fourth Republic, the struggles behind its acceptance, and what this shift means for how Nigerians think about money, risk, and opportunity.

With the self-assessment deadline less than a fortnight away, Martin Lewis answers your questions on everything tax, with the help of two tax gurus, including: tax returns, inheritance tax, making tax digital, capital gains tax, PAYE, savings tax, and more. Plus, Mastermind this week is all about gift cards, and Martin speaks to Harriet from the Traitors. If you want to ask Martin a question, you now can! His Question Time podcast lets you ask Martin absolutely anything and everything (within reason!). So, if you've always wanted to know his favourite fruit, if he can say the alphabet backwards, or have a very complicated question about your finances, email it to MartinLewisPodcast@bbc.co.uk.

Want to scale your trade business… but keep telling yourself “I make more on my own”?This episode is going to blow that story to pieces.

Cet épisode relate le point de vue d'une personne vétérinaire. Vous pouvez retrouver la thèse de Margot Courtois ici : https://dumas.ccsd.cnrs.fr/dumas-04120132v1/file/N-2023-010.pdfUn article sur le harcèlement en école vétérinaire ( mais vous pouvez en trouver plusieurs autres) : Et l'article https://www.radiofrance.fr/franceinter/podcasts/l-info-de-france-inter/l-info-de-france-inter-5539517L'association féministe de l'ENVA, ALfort.e.s : https://www.cdeenva.fr/associations/clubs/alfortes/Les Recos de l'Episode :Podcast "En marge" présenté par Giulia Fois, l'épisode avec Waly Dia : https://www.radiofrance.fr/franceinter/podcasts/en-marge/en-marge-du-samedi-04-janvier-2025-5120403Podcast "La truffe dans la gamelle" de Charlotte Devaux : https://charlotte-devaux.com/podcast/Compte instagram "Paye ta chatte" : https://www.instagram.com/paye.ta.chatte/Hébergé par Ausha. Visitez ausha.co/politique-de-confidentialite pour plus d'informations.

Aujourd'hui, Joëlle Dago-Serry, coach de vie, Charles Consigny, avocat, et Chirinne Ardakani, avocate, débattent de l'actualité autour d'Alain Marschall et Olivier Truchot.

En 2026, on ne change pas une équipe qui gagne : Pierre Niney et Sébastien Thoen, c'est l'amour fou... Retrouvez tous les jours le meilleur des Grosses Têtes en podcast sur RTL.fr et l'application RTL.Hébergé par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

The new cabinet, flood disasters, a hunger crisis, amended visa rules, a shady presidential pardon, Times TV and Radio off-air, and much more! Thanks for tuning in!Let us know what you think and what we can improve on by emailing us at info@rorshok.com. You can also contact us on Instagram @rorshok_malawi or Twitter @RorshokMalawiLike what you hear? Subscribe, share, and tell your buds.“The Story Of Matafale” by Tiyeni Malawians: Part 1: https://web.facebook.com/share/p/1GPt7YuzgB/Part 2: https://web.facebook.com/share/p/1ajByQbQkE/Part 3: https://web.facebook.com/share/p/1861suphBq/Part 4: https://web.facebook.com/share/p/1ALp9nqEmm/Part 5: https://web.facebook.com/share/p/1aubybZqGa/ Check out our new t-shirts: https://rorshok.store/We want to get to know you! Please fill in this mini-survey: https://forms.gle/NV3h5jN13cRDp2r66Wanna avoid ads and help us financially? Follow the link: https://bit.ly/rorshok-donate

Financial Clarity for Doctors tackles some student loan updates with hosts Rachelle Vanderzanden and Corey Janoff.  On December 10th, the Department of Education proposed a settlement in the case challenging the SAVE plan and agreeing to dismantle the payment plan (pending court approval, so maybe not officially dead).  What does that mean for the seven million borrowers still enrolled in the plan?  Next steps for SAVE plan participants:  Most folks will likely need to apply to move into a new income-driven payment plan or move into a Standard repayment plan.  This means recertifying income and enrolling in one of the remaining plans.  Currently, those options are IBR, ICR, or PAYE with the new RAP plan being rolled out this coming summer.  If the goal is to work toward Public Service Loan Forgiveness (PSLF), you will likely want to enroll in the plan that equals the lowest payment.  When you reach 120 months of qualifying employment, you can look into the “Buyback” program to see if you can make payments from your time in forbearance.  If the goal is not PSLF, you can explore lots of options, payment plans, and even refinancing.  Although move slowly with refinancing!  Moving to a private bank has some downsides.  As with everything, your student loan approach should be determined based on your goals and needs.  Any strategy (including loan repayment) depends on the specifics of your situation.  If needed, consult with a professional to try to find the best strategy for your loans.  They were an investment in your future!   But we don't want them hanging over your head forever.  For more financial planning tips from Corey and Rachelle, find them on social media!  LinkedIn: @CoreyJanoff and @RachelleVanderzanden; Instagram: @CoreyJanoff and @VanderzandenRachelle; and Twitter: @CoreyJanoffCFP and @RachelleFinance     Discussions in this show should not be construed as specific recommendations or investment advice. Always consult with your investment professional before making important investment decisions. Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a broker-dealer, member FINRA/SIPC. Advisory services offered through Cambridge Investment Research Advisors, Inc., a Registered Investment Adviser. Finity Group, LLC and Cambridge are not affiliated. Cambridge does not offer tax or legal advice. 

Nigeria's tax reforms were designed to strengthen revenue collection and streamline administration, but the controversy surrounding their passage has raised serious questions about process, trust and accountability.With lawmakers rejecting the gazetted versions of the tax laws and pressure mounting on the Federal Government to halt implementation, uncertainty now hangs over businesses, investors and taxpayers.On Nigeria Daily, we examine the disputed tax laws, the political and economic implications of enforcing them despite resistance, and what this standoff could mean for governance and ordinary Nigerians.

The government has approved OceanaGold's Waihi North mining project, extending gold and silver extraction in the Waihi area until 2043, delighting the pro-mining crowd. It's a decision I agree with. Waihi has already been extensively mined and the environment beaten up. The decision will keep the town alive and provide hundreds of jobs. But make no mistake, this will not be an El Dorado for the whole country. The royalties are still at the excruciatingly low level they've always been at. Waihi North will generate $5.2 billion in additional gold and silver exports over its 18-year lifespan — averaging $286 million per year. Meanwhile, Crown revenue from corporate tax, PAYE, and royalties is expected to total a net present value of $422m over the life of the project. That's not an economy-saving sum, and it represents an 8 per cent yield on the output. But a deal is a deal. What concerns me is thoughts of new claims — the area behind Pauanui and Tairua on the Coromandel. Or the new work proposed for Bendigo. Until the whole nation truly benefits from the work that damages our land, is it worth it?See omnystudio.com/listener for privacy information.

The SAVE plan is officially dead. Learn what the SAVE lawsuit settlement actually says (not the rumors), who really needs to pay attention right now, and what you should do next. We walk through why millions of people are still stuck in SAVE forbearance, what repayment plans are actually available going forward, and how upcoming rulemaking could reshape income-driven repayment yet again. If you're waiting things out, this is your nudge to get proactive before the Department of Education decides for you. Key moments: (01:07) The lawsuit that officially ended the SAVE plan (05:01) Why borrowers should get off the SAVE plan asap (09:03) Borrowers are also losing access to PAYE (13:22) Why I don't think the RAP plan will be around for the next 30 years (18:25) Act early to avoid being defaulted into the wrong plan   Like the show? There are several ways you can help! Follow on Apple Podcasts, Spotify or Amazon Music Leave an honest review on Apple Podcasts  Subscribe to the newsletter Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!  

Arbia Smiti n'a pas eu un parcours facile.Elle a dû se battre pour chaque étape, souvent plus que les autres.En Tunisie, elle décroche l'une des bourses les plus difficiles à obtenir.Elle quitte sa famille, arrive en France et doit affronter les mêmes obstacles que tant de femmes dans l'entrepreneuriat.Mais Arbia avance malgré tout, parce qu'elle sait exactement pourquoi elle le fait.En 2010, elle crée Carnet de Mode, une marketplace internationale pour jeunes créateurs, qu'elle développe pendant sept ans avant de la céder en 2017.Et là où beaucoup s'arrêtent, elle repart de zéro et lance Rosaly avec une idée profondément révolutionnaire : permettre aux salariés de voir et d'utiliser leur salaire en temps réel.Fini les découverts et les microcrédits qui abîment le quotidien de millions de personnes.Arbia a grandi en voyant des familles se débattre avec les dettes, la honte du découvert et sait parfaitement ce que c'est que d'attendre la fin du mois pour respirer.Rosaly devient alors bien plus qu'un outil financier : c'est un service social, un levier d'autonomie concret pour améliorer le pouvoir d'achat.Aujourd'hui, c'est plus de 350 entreprises et 100 000 utilisateurs actifs par mois.Une adoption massive dans les secteurs en tension et un impact clair sur la baisse de l'absentéisme et le renforcement de la motivation au travail.Après des centaines de refus pour ses levées de fonds, elle obtient plus de 11 millions auprès d'investisseurs américains spécialisés dans les fintechs.Dans cet épisode, Arbia parle de tout : classes sociales, éducation financière, immigration, résilience, levées de fonds, inégalités et de la nécessité de casser les tabous autour de l'argent.Une conversation forte, incarnée, vraie, et portée par une fondatrice qui ne coche aucune case sauf celle du courage.Bonne écoute !===========================

We're here with the hilarious Jake Jabbour and Shakira Paye! Things get silly.:02 - Out of Gas13:35 - Guided Meditation for Men28:54 - Carpool ZenSubscribe at patreon.com/mandog for the full episode!Subscribe to ⁠⁠⁠ManDog on YouTube!⁠ Check out ⁠⁠⁠BigGrandeWebsite.com⁠⁠⁠! Subscribe to ⁠⁠⁠Big Grande⁠⁠ on Youtube! - https://www.youtube.com/@biggrandevids Eat Pray Dunk and Hey Randy on CBB World! - https://www.comedybangbangworld.com/ Yes, Also YT! - https://www.youtube.com/channel/UCgWKnIrmQ973mnHJtRRNAdA"

Pour débuter l'émission de ce vendredi 28 novembre 2025, les GG : Jérôme Marty, médecin généraliste, Zohra Bitan, cadre de la fonction publique, et Emmanuel de Villiers, chef d'entreprise, débattent du sujet du jour : "Fiscalité, le grand ras-le-bol ?"

Avec : Jacques Legros, ancien présentateur emblématique du 13H de TF1. Jean-Philippe Doux, journaliste et libraire. Et Baptiste des Monstiers, journaliste. - Accompagnée de Charles Magnien et sa bande, Estelle Denis s'invite à la table des français pour traiter des sujets qui font leur quotidien. Société, conso, actualité, débats, coup de gueule, coups de cœurs… En simultané sur RMC Story.

durée : 00:03:16 - Géopolitique - par : Pierre  Haski  - Un accident dans une mine illégale près de Kolwezi, en RDC, a fait au moins 70 morts ; un de plus dans une région où des centaines de milliers de personnes travaillent sans règles et sans sécurité, à extraire les minerais qui servent à nos objets numériques et ceux de la transition écologique. Vous aimez ce podcast ? Pour écouter tous les autres épisodes sans limite, rendez-vous sur Radio France.

durée : 00:03:16 - Géopolitique - par : Pierre  Haski  - Un accident dans une mine illégale près de Kolwezi, en RDC, a fait au moins 70 morts ; un de plus dans une région où des centaines de milliers de personnes travaillent sans règles et sans sécurité, à extraire les minerais qui servent à nos objets numériques et ceux de la transition écologique. Vous aimez ce podcast ? Pour écouter tous les autres épisodes sans limite, rendez-vous sur Radio France.

Listen in as I sit down with my good friend and one of the sharpest legal minds in the student loan world, Stanley Tate. We walk through the latest PSLF battles, what the SAVE-forbearance mess really means for your timeline, and how the coming transition to RAP and old-school IBR could reshape repayment for millions of borrowers. We also get into Parent PLUS landmines, future loan caps, and what all of this means for the next generation of borrowers. You'll learn where the pitfalls are, how to protect yourself, and why most borrowers still have more options than they think. Key moments: (05:07) How worried should you be about the new PSLF rules (09:20) The weighted-average credit confusion after consolidation (16:32) The risk of choosing between federal and private student loans is quite high (24:28) SAVE forbearance, recertification delays, and the Parent PLUS trap (43:47) What we're watching in negotiated rulemaking and RAP vs. IBR Resource mentioned: Stanley Tate's YouTube channel   Like the show? There are several ways you can help! Follow on Apple Podcasts, Spotify or Amazon Music Leave an honest review on Apple Podcasts  Subscribe to the newsletter Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!  

Dans le podcast « Ça peut vous arriver » sur RTL, Julien Courbet et son équipe distribuent conseils conso et astuces juridiques pour lutter contre les arnaques dans la bonne humeur. Ecoutez Ça peut vous arriver avec Julien Courbet du 14 novembre 2025.Hébergé par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

Aujourd'hui, Zohra Bitan, cadre de la fonction publique, Didier Giraud, agriculteur en Saône-et-Loire, et Bruno Poncet, cheminot, débattent de l'actualité autour d'Alain Marschall et Olivier Truchot.

¿Estás listo para conocer lo que el 2026 tiene preparado para ti?

Dans le podcast « Ça peut vous arriver » sur RTL, Julien Courbet et son équipe distribuent conseils conso et astuces juridiques pour lutter contre les arnaques dans la bonne humeur. Ecoutez Ça peut vous arriver avec Julien Courbet du 03 novembre 2025.Hébergé par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

Dans le podcast « Ça peut vous arriver » sur RTL, Julien Courbet et son équipe distribuent conseils conso et astuces juridiques pour lutter contre les arnaques dans la bonne humeur. Ecoutez Ça peut vous arriver avec Julien Courbet du 28 octobre 2025.Hébergé par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

Listen in with student debt expert Dr. Tony Bartels in this next installment of our Student Debt Series covering the latest news and information on student loans. In this episode we have six major topics we're addressing: Quick review of student loan grace periods Consolidation Caution Application Ataxia Start with PAYE, when possible Important dates to add to your calendar How to get help   As always, we want to hear from YOU. Please share your thoughts by sending an email or joining the conversation.   GUEST BIO: Dr. Tony Bartels Tony Bartels, DVM, MBA graduated in 2012 from the Colorado State University combined MBA/DVM program and is a VIN Foundation Board Member and Student Debt Expert, and an employee of the Veterinary Information Network (VIN). He and his wife, a small-animal internal medicine specialist practicing in Denver, have more than $400,000 in veterinary-school debt that they manage using federal income-driven repayment plans. By necessity (and now obsession), his professional activities include researching and speaking on veterinary-student debt, providing guidance to colleagues on loan-repayment strategies and contributing to VIN Foundation resources. Beyond debt, his professional interests include small- and exotic-animal practice. When he's not staring holes into his colleagues' student-loan data, Tony enjoys fly fishing, ice hockey, camping and exploring Colorado with his wife, Audra, daughter, Lucy, and their two rescued canines, Addi and Maggie. LINKS AND INFORMATION: Check your current student loan servicers and other loan details -- VIN Foundation My Student Loans tool: http://www.vinfoundation.org/mystudentloans Loan Repayment Simulator: https://vinfoundation.org/loansim  VIN Foundation WikiDebt: https://vinfoundation.org/wikidebt VIN Foundation Webinars: https://vinfoundation.org/resources/webinars/ VIN Foundation get updates: https://vinfoundation.org/updates/ VIN Foundation GIVE page to support these programs & tools: https://vinfoundation.org/give VIN Foundation Blog, Related Student Debt Blog posts:  Changes to federal student loans come into focus: https://vinfoundation.org/changes-federal-student-loans-come-into-focus/ Student Loan Repayment: Trying to leave the SAVE forbearance? Choose PAYE: https://vinfoundation.org/student-loan-repayment-trying-to-leave-the-save-forbearance-choose-paye/  Student Loans in SAVE Plan Will Start Accruing Interest August 1st: https://vinfoundation.org/student-loans-in-save-plan-will-start-accruing-interest-august-1st/  Application for Federal Income-Driven Repayment Plans Reactivated: https://vinfoundation.org/application-for-income-driven-repayment-plans-reactivated/  Personalized student loan Help from VIN and VIN Foundation: https://vinfoundation.org/veterinary-student-loan-debt-help/  Income-Driven Repayment Plan Discretionary income calculations, WikiDebt: https://www.vin.com/studentdebtcenter/default.aspx?pid=14352&catId=74141&id=7249857  Federal Student Aid Data, Consolidation, and Repayment Applications: https://studentaid.gov/ One-time Forgiveness Count Adjustment  https://studentaid.gov/announcements-events/idr-account-adjustment Federal Student Loan Servicers: https://studentaid.gov/manage-loans/repayment/servicers Public Service Loan Forgiveness (PSLF): https://studentaid.gov/manage-loans/forgiveness-cancellation/public-service Have a veterinary story you want to share? https://share.hsforms.com/1e6QkQvg2RI-wpDv59Byqkwcos60 Stay up to date with VIN Foundation updates: https://vinfoundation.org/updates/ Email VIN Foundation: studentdebt@vinfoundation.org Get updates to stay tuned for the VIN Foundation webinars on student debt.  You may learn more about the VIN Foundation, on the website, or join the conversation on Facebook, Instagram, and LinkedIn. If you like this podcast, we would appreciate it if you follow and share. As always, we welcome feedback. If you have an idea for a podcast episode, we'd love to hear it!

Aujourd'hui, Barbara Lefebvre, professeur d'histoire-géographie, Fatima Aït Bounoua, professeur de français, et Bruno Poncet, cheminot, débattent de l'actualité autour d'Olivier Truchot.

Worried PSLF Buyback might vanish before you qualify? Let's dig into the Public Service Loan Forgiveness (PSLF) Buyback program — how it works, why it exists, whether it's likely to stick around, and how to position yourself if the rules change. You'll also hear my take on listener questions covering repayment plans SAVE vs. IBR, joint vs. separate taxes, and why sometimes “die with the debt” really can be a strategy.  Key moments: (00:44) How PSLF Buyback works, when you can apply, and why politics could shape its future (06:06) The growing backlog of applications and the risk of counting on Buyback approval (10:28) How to choose between SAVE, PAYE, and IBR repayment plans (14:22) When a “die with the debt” strategy makes sense in retirement (17:50) How to handle income recertification after a job change Resources mentioned:  Certify your PSLF employment Recertify or update income-driven repayment   Like the show? There are several ways you can help! Follow on Apple Podcasts, Spotify or Amazon Music Leave an honest review on Apple Podcasts  Subscribe to the newsletter Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!  

Ils ont beau être partenaire sur scène au théâtre, aux "Grosses Têtes", François Berléand et Max Boublil ne se font pas de cadeau ! Retrouvez tous les jours le meilleur des Grosses Têtes en podcast sur RTL.fr et l'application RTL.Hébergé par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

Invité : - François de Rugy, ancien Président de l'Assemblée Nationale Chroniqueurs : - Louis de Raguenel, journaliste politique Europe 1  - Véronique Jacquier, journaliste - Paul Amar, journaliste Hébergé par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

With the recent student loan repayment changes, many veterinarians are facing a much bigger bill than before.Whether you're moving from SAVE to PAYE, preparing for Old IBR in a couple of years, or switching plans and suddenly seeing your payment double, the jump can feel overwhelming. You're not alone in this — and you can prepare.In this episode, I'll walk you through five key steps to help you get ready for higher student loan payments:Know your next steps: Which plan are you eligible for, and what payment can you expect? If you're married, could you save money by switching your tax filing status?
Get clear on your budget: Use Monarch Money, a spreadsheet, or whatever works - awareness is key.
Build breathing room: Practice your higher payment now to avoid a cash-flow shock later.
Be intentional with your compensation: Negotiate for higher pay, stronger production, or better benefits. And if you're picking up extra shifts, make sure they're in alignment with your goals — not just a reaction to student loan stress.
Shift your perspective: Remember, the COVID pause was unusual — higher payments are tough, but you can adapt.
If you've been feeling stressed or blindsided by your new payment, this episode will give you both the tools and perspective to move forward.Mentioned in this episode:Episode 67: What the new Student Loan Bill Means for VeterinariansDebt-Free Vets Facebook GroupInterested in vet-specific financial planning? Schedule a free intro call or email meredith@allvetfinancial.com

I had a chance to catch up with multi-hyphenated writer, actress and producer, Shakira Ja'nai Paye, as she stars in the Tubi Sci-fi/ Comedy series ‘Damascus'. From ‘All Day and All Night” to “House Party”, Shakira talks about her acting journey, to selling her writing projects to Comedy Central and Netflix. Check out the latest series ‘Damascus' on Tubi and support this amazing creative on Instagram @SHAKRIAPAYE

En NEGRAS, conversamos con Tania Rosario-Méndez sobre Taller Salud, una organización comunitaria que transforma con y desde las comunidades.Mujeres afrodescendientes conversan sobre proyectos, académicos y comunitarios, relacionados a la negritud y la racialización en Puerto Rico. Aprende de los saberes de mujeres afrodescendientes y desaprende mitos que, históricamente, han degradado a las personas visiblemente negras en la nación puertorriqueña. Una producción de Colectivo Ilé ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.colectivoile.org/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ para Radio Universidad de Puerto Rico. Viernes 3:00 pm a través del 89.7 FM en San Juan, el 88.3 FM en Mayagüez También podría ser de su interés el siguiente episodio del podcast Acción Comunitaria sobre PAYE en donde Taller Salud ha estado colaborando. #RADIOUPR #AFRO #GENERO #IUPI #NEGRAS #tallersalud #paye #PAYE #loiza #UPRRP #COLECTIVOILE

Aujourd'hui, Antoine Diers, consultant, Joëlle Dago-Serry, coach de vie, et Emmanuel de Villiers, entrepreneur, débattent de l'actualité autour d'Alain Marschall et Olivier Truchot.

Old IBR, New IBR, PAYE, REPAYE, RAP, it may seem like a fruit salad of letters. In reality, these are just some of the payment plans doctors have used on their quest to PSLF. It can be confusing, especially in recent years, to understand what plan is best for you. Listen in as Nate Reineke breaks down the history of PSLF, the chaos and uncertainty in recent years, and where the program stands now. We also discuss recent changes that have just passed in the One Big Beautiful Bill Act. Be sure to listen to the end to hear what physicians can do right now to make meaningful progress toward loan forgiveness. Are you ready to turn worries about taxes and investing into all the money you need for college and retirement? It's time to make a plan and get on track. To find out if we're a match visit physicianfamily.com and click get started or, you can ask a question of your own by emailing podcast@physicianfamily.com. See marketing disclosures at physicianfamily.com/disclosures

The rapture is coming and there are signs all around us: flaming trees, slides to the left, and the prescient voice of Britney Spears. Or, wait—that's just this week's episode of One of Us. It's a new day on a new planet with a new recruit: Shakira Ja'nai Paye! Topics may include: political astrology, microgenerational Disney stars, the seeds of our futures, randomly looping, karmic lessons, Black Moon Lilith, and a meandering search for one very hot, very provocative chef. Shakira is on Instagram and TikTok @shakirapaye. Want even more One of Us with Fin and Chris? Get ad-free episodes and special video episodes on Patreon, at ⁠⁠⁠⁠⁠patreon.com/GoodGet⁠⁠⁠⁠⁠⁠⁠ One of Us is hosted and produced by Chris Renfro and Fin Argus. It's executive produced by Myrriah Gossett and Erica Getto for Good Get. Myrriah Gossett is our sound designer, and our theme music is produced by Fin Argus and Brendan Chamberlain-Simon. Our show art was drawn by Fin Argus, and photographed by ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Mike⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Matt McCarty⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. You can follow One Of Us on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠TikTok⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ at @oneofus.pod. Learn more about your ad choices. Visit podcastchoices.com/adchoices

durée : 00:03:23 - Charline explose les faits - par : Charline Vanhoenacker - L'expression “C'est Nicolas qui paye” qui fait florès sur les réseaux est reprise par les politiques les plus à droite. « Nicolas », c'est le nouvel archétype de la “vache à lait”, face à la fiscalité. Vous aimez ce podcast ? Pour écouter tous les autres épisodes sans limite, rendez-vous sur Radio France.

In this episode of The Personal Finance Podcast, we break down the massive student loan changes hitting in 2025—why SAVE, PAYE, IBR, and ICR plans are being eliminated for new borrowers starting July 2026, how interest resuming on SAVE loans means balances could grow again, and why wage garnishment restarts in August 2025. We provide a 12-step action plan to pay off loans faster, including the biweekly payment hack that saves $1,000+ in interest, scripts to negotiate lower rates, and how to get $5,250 per year in tax-free employer loan assistance before these changes make escape even harder. ⁠Get the Student Loans GUIDE Here!  How Andrew Can Help You: Listen to The Business Show here. Don't let another year pass by without making significant strides toward your dreams. "Master Your Money Goals" is your pathway to a future where your aspirations are not just wishes but realities. Enroll now and make this year count! Join The Master Money Newsletter where you will become smarter with your money in 5 minutes or less per week Here! Learn to invest by joining  Index Fund Pro! This is Andrew's course teaching you how to invest!  Watch The Master Money Youtube Channel! , Ask Andrew a question on Instagram or TikTok Learn how to get out of Debt by joining our Free Course  Leave Feedback or Episode Requests here.  Car buying Calculator here Thanks to Our Amazing Sponsors for supporting The Personal Finance Podcast Shopify: Shopify makes it so easy to sell. Sign up for a one-dollar-per-month trial period at  shopify.com/pfp Thanks to Policy Genius for Sponsoring the show! Go to policygenius.com to get your free life insurance quote. Indeed: Start hiring NOW with a SEVENTY-FIVE DOLLAR SPONSORED JOB CREDIT to upgrade your job post at Indeed.com/personalfinance Shop outdoor furniture, grills, lawn games, and WAY more for WAY less. Head to wayfair.com Get 50% Off Monarch Money, the all-in-one financial tool at www.monarchmoney.com/PFP Chime: Start your credit journey with Chime. Sign-up takes only two minutes and doesn't affect your credit score. Get started at chime.com/  Acorns: Start investing automatically with Acorns and get a $5 bonus at Acorns.com/PFP  Visit www.functionhealth.com/PERSONALFINANCE or use gift code PERSONALFINANCE100 at sign-up to own your health. ⁠Delete Me⁠⁠: Use Promo Code PFP for 20% off! Connect With Andrew on Social Media: Instagram TikTok Twitter Master Money Website Master Money Youtube Channel  Free Guides: The Stairway to Wealth: The Order of Operations for your Money How to Negotiate Your Salary The 75 Day Money Challenge Get out Of Debt Fast Take the Money Personality Quiz Learn more about your ad choices. Visit megaphone.fm/adchoices