Podcasts about paying

For our "Sunday Context" series, we build on this past week's coversation about the bicentennial to point out how this year's America 250 project is coming together. We look at some of the key figures in Trump world who are organizing the festivities; and the overall vision of American history laid out by those planning America's 250th birthday.Join our America250 newsletter community! Subscribe for free to get the latest news and analysis of how America250 is playing out. Paying subscribers get access to early, ad-free versions of the show. Plus bonus features throughout the year. To support our work and get access to everything, subscribe now.This Day is a proud member of Radiotopia from PRX.Your support helps foster independent, artist-owned podcasts and award-winning stories.If you want to support the show directly, you can do so on our website: ThisDayPod.comGet in touch if you have any ideas for future topics, or just want to say hello. Follow us on social @thisdaypodOur team: Jacob Feldman, Researcher/Producer; Khawla Nakua, Transcripts; music by Teen Daze and Blue Dot Sessions; Audrey Mardavich is our Executive Producer at Radiotopia. Learn about your ad choices: dovetail.prx.org/ad-choices

This is a free preview of a paid episode. To hear more, visit www.serioustrouble.showThis week's episode starts with the arrest and indictment of Nicolas Maduro, and the fatal shooting of Renee Nicole Good at the hands of an ICE agent in Minneapolis. That's for free subscribers. Paying subscribers also get a look at a shadow docket ruling from the Supreme Court that curtailed Trump's ability to deploy the national guard, and the surprising statutory reading that got a majority of the court there. We look at a dismissal of criminal charges from another scrap with ICE in Los Angeles, we discuss Mark Kelly's legal options for fighting the reduction of his pension (and why he might choose not to use them), we consider why Lindsey Halligan keeps insisting she's the US Attorney for the Eastern District of Virginia, we look at the bizarre upcoming criminal trial of Scotusblog co-founder Thomas Goldstein, and we have an update on the saga of the still-held-in-contempt Charles C. Johnson.Upgrade your subscription at serioustrouble.show

Everyone says farming and ranching are hard—but what if the real problem isn't expenses… it's how money is being used? In this episode, Mary Jo tackles the backlash around "excess money," breaks down why being debt-free isn't the same as being financially secure, and explains why cash flow—not comfort—is the real solution.

It's another Cowboys postseason press conference, which means plenty of smiles, sound bites, long explanations… and absolutely no real change.In this episode of Just Wondering, Norm Hitzges breaks down Jerry Jones' latest round of optimism, focusing on the Micah Parsons trade, the financial gymnastics that come with it, and Jerry's ongoing belief that he can “bust the budget” his way back to a Super Bowl. Norm questions whether trading elite defensive talent while handing out massive contracts elsewhere actually solves anything — or just pushes problems further down the road.Norm also takes aim at the Cowboys' strategic contradictions: a defense everyone admits was bad, a running game that actually worked, and an offensive approach that somehow ignored it. If your defense can't stop anyone, shouldn't your offense help protect it? Apparently not in Dallas.Then it's on to the numbers — the strange, fascinating, and occasionally absurd stats from this weekend's football games. From Carolina winning a division while being outscored, to San Francisco thriving without a pass rush, to Jacksonville's late-season dominance and the one number that decides whether Houston wins or loses, Norm connects trends, history, and logic in a way only he can.Dreams, data, and disappointment — just another week in Cowboys country. JWw-NH SL Ep 84 Chapters 00:00:00 – Another Cowboys postseason press conference begins00:01:29 – Smiles, sound bites, and decades of disappointment00:02:12 – The Micah Parsons trade and why the math doesn't work00:03:47 – Paying receivers instead of elite pass rushers00:05:08 – Jerry picks the next defensive coordinator (again)00:06:46 – “Busting the budget” and pushing money down the road00:08:14 – Who pays if this plan fails?00:09:02 – Protecting a bad defense with smarter offense00:09:47 – The Cowboys ran well… so why didn't they run more?00:10:24 – Passing too much and wearing down the defense00:11:08 – Jerry the dreamer vs. Jerry the general manager00:11:53 – Four Super Bowls, ten years, and reality setting in00:13:35 – What a real GM's job actually looks like00:14:26 – Sponsors, healing balm, and practical solutions00:16:29 – Nick Saban's massive coaching tree00:17:21 – Carolina wins a division while being outscored00:18:04 – Eric Dowdle's bizarrely identical seasons00:19:01 – San Francisco wins big without a pass rush00:19:53 – Jacksonville's dominant eight-game streak00:20:49 – Old rivalries and playoff history00:21:43 – The magic number for Houston: 2000:22:52 – Final thoughts and wondering what's next

Greg Poole - a prominent figure in the archery and bowhunting community, best known as the founder, owner, and host of BowJunky Media. Greg's a longtime professional archer who has competed at high levels for many years. Beyond competing, he's an industry insider with deep experience working in (and continuing to engage with) the archery world, covering everything from equipment, competitive shooting formats (like 3D, target, and field archery), to bowhunting ethics, gear optimization, and the business side of the sport. Join Cam and Greg for a deep dive into the world of competitive archery, bowhunting, modern hunting industry in 2026, controversy surrounding “speed bows”, up-and-coming names in the industry and more! Follow along: Instagram: https://www.instagram.com/cameronrhanes  Twitter: https://twitter.com/cameronhanes  Facebook: https://www.facebook.com/camhanes/  Website: https://www.cameronhanes.com  Follow Greg: https://www.instagram.com/biggregpoole/  Timestamps: 00:00:00 – Controversy on the Internet About “Speed Bows” 00:07:31 – Everything Matters: Variables in Bowhunting, Speed, and Energy in Bow 00:18:36 – Hinge vs Thumb Button Releases 00:27:19 – Big Bucks, Trail Cameras, and Paying for Opportunity & Time 00:36:56 – Competition & What it Takes to Be the “Best Bowhunter” in 2026 00:46:59 – The Pinnacle of the Hunting Industry: Your Own Television Show 00:55:58 – Winning vs Competing, Social Media, Sponsors, and Marketing Yourself 01:06:09 – Testing & Optimizing Equipment and the Marketing Game 01:23:21 – Community Aspect in Bowhunting (Crossbows & Recreation) 01:30:34 – ATA (Archery Trade Association Show) 01:35:26 – Black Rifle Coffee, Evan Hafer, and Cutoffs 01:38:52 – Up-and-Coming Hunters, “Character Burnout”, and Bad Hunting Marketing 01:52:55 – Controversy with The Bowmar's Hunting Strategies 02:06:56 – Not all Publicity is Good Publicity: Setting a Good Example   02:22:19 – The Value of Professional Bowhunters & Earning a Name in the Industry 02:49:41 – Competition from Hot Girl Hunters 02:55:24 – Continuing to Evolve to Hold Value and Credibility 03:06:51 – QA: F**k, Marry, Kill: Fast Bow Speed, Light Arrow Weight, Short Brace Weight 03:09:28 – QA: How Important is it for New Archers to Absorb the History of Hunting 03:13:29 – QA: Greg's Calorie Count in the Backcountry  03:18:27 – Final Thoughts Thank you to our sponsors: Montana Knife Company: https://www.montanaknifecompany.com/ Use code CAM for 10% off  Black Rifle Coffee: https://www.blackriflecoffee.com/ Use code KEEPHAMMERING for 20% your first order Wild Alaskan: https://wildalaskancompany.com/cameron use code CAMERON for $35 off your first box Grizzly Coolers: https://www.grizzlycoolers.com/ use code KEEPHAMMERING for 20% off MTN OPS Supplements: https://mtnops.com/ Use code KEEPHAMMERING for 20% off Hoyt: http://bit.ly/3Zdamyv use code CAM for 10% off

In part two of our look at the bicentennial, Jody, Niki, and Kellie discuss how the festivities played out, and how Philadelphia ended up becoming the center of the action, depsite (or because of) their corrupt mayor Frank Rizzo.Join our America250 newsletter community! Subscribe for free to get the latest news and analysis of how America250 is playing out. Paying subscribers get access to early, ad-free versions of the show. Plus bonus features throughout the year. To support our work and get access to everything, subscribe now.This Day is a proud member of Radiotopia from PRX.Your support helps foster independent, artist-owned podcasts and award-winning stories.If you want to support the show directly, you can do so on our website: ThisDayPod.comGet in touch if you have any ideas for future topics, or just want to say hello. Follow us on social @thisdaypodOur team: Jacob Feldman, Researcher/Producer; Khawla Nakua, Transcripts; music by Teen Daze and Blue Dot Sessions; Audrey Mardavich is our Executive Producer at Radiotopia. Learn about your ad choices: dovetail.prx.org/ad-choices

Andy and Cody Garrett from Measure Twice Financial share their thoughts on a handful of current events and "hot topics" relating to retirement planning. Specifically, they talk about: Affordable Care Act ("ACA") tax credits and income "cliffs" in tax planning ( 08:13 )Doing Roth conversions vs tax gain harvesting ( 22:30 )Paying taxes in retirement; estimated payments vs withholdings ( 31:33 )Rushing into Roth conversions ( 38:50 )When to start doing HSA distributions ( 51:31 )Should you be worried about tech stocks ( 58:23 )Timing Required Minimum Distributions ("RMDs"); when in the year to take them ( 1:08:26 )Retirement spending anxiety ( 1:17:37 )Links in this episode:Cody's website - https://www.measuretwicemoney.com/To send Andy questions to be addressed on future Q&A episodes, email andy@andypanko.comMy company newsletter - Retirement Planning InsightsFacebook group - Retirement Planning Education (formerly Taxes in Retirement)YouTube channel - Retirement Planning Education (formerly Retirement Planning Demystified)Retirement Planning Education website - www.RetirementPlanningEducation.com

Get the FREE 5-Step Guide to More Date Nights (No Babysitters Required)

Every January, money becomes part of the New Year's resolution conversation. Paying off debt, saving more, getting better with money. And while those goals are common, they're usually not the real issue. In this episode of Everyone's Talkin' Money, Shari explains why money keeps showing up on your New Year's resolution list year after year, and what that pattern is actually telling you about your financial life. This isn't about discipline, motivation, or willpower. It's about whether your money systems are designed for the life you're actually living. If you feel like you're constantly resetting your finances, starting over every January, or promising yourself that this year will be different, this episode will help you understand what's really underneath that stress. Shari breaks down the root reasons money feels stuck, why resolutions often create relief without real change, and how outdated money systems can create frustration even when your income has grown. Get your Three-Question Money Audit Here! This episode kicks off our January series, New Money Year: Reset, Systems, Goals, and lays the foundation for building financial systems that actually work. Not for the life you had five years ago, but for the one you're living now. If you're tired of making the same money resolutions every year, this episode will help you stop trying harder and start building smarter Talkin' Points → where your money gets smarter. Real talk, practical tips, zero guilt straight to your inbox. Sign up here.  Be sure to like and follow the show on your favorite podcast app!Keep the conversation going on Instagram @everyonestalkinmoney Learn more about your ad choices. Visit megaphone.fm/adchoices

Apply to Join Churchfront Premium Apply to Join Churchfront Pro Free Worship and Production Toolkit Shop Our Online Courses Join us at the Churchfront Conference Follow Churchfront on Instagram or TikTok: @churchfront Follow on Twitter: @realchurchfront Gear we use to make videos at Churchfront Musicbed SyncID: MB01VWQ69XRQNSN   Carey Nieuwhof Interview - Podcast Notes Overview Conversation with Carey Nieuwhof about the shift in modern church worship from entertainment-focused to encounter-focused experiences, live streaming strategy, and church growth in the digital age. Key Themes 1. The Shift: Entertainment vs. Encounter The Problem with Modern Church Production Social media created a "copycat phase" where churches could suddenly see what megachurches were doing Churches adopted same equipment, same songs, same production values What was unique became ubiquitous - "we all became copies of each other" Gen Z is "the most marketed to generation in human history" and numb to production Quote: "Gen Z is the most marketed to generation in human history. And we're all kind of numb to the production. I don't think people are looking for hype. They're looking for hope." What People Actually Want Something real and tangible An experience of God, not just information about God Presence, not just presentation Transformation over information The Internet's Limitation Really good at delivering information (especially with AI) Cannot facilitate an encounter "There's something that happens in the room that doesn't happen online" 2. What "Encounter Over Entertainment" Looks Like The Tonal Shift Worship leaders being more sensitive to what's happening in the room, not just rehearsed transitions Preachers leaving space, not just hitting time marks Paying attention to what God might be doing (people crying, leaning in, visible reactions) Creating space to breathe Silence and Space "When I started in ministry, my goal was to get rid of as much silence in church as I could" Now: "Where else are you going to get silence? You don't get it unless you're in church" Don't have to fill every moment with words Can be silent or "noodle" on instruments while creating space Quote: "People's lives are so noisy and so crowded. I mean, we don't even sleep without white noise machines or anything like that. So where else are you going to get silence?" Evoke vs. Manipulate Can't plan a revival - it happens or it doesn't Job is to "set the table" and make space for the Holy Spirit Example: Great movies evoke genuine tears by accessing real emotions Cheap manipulation feels different Quote: "It's not our job as Christians to manipulate. It's our job possibly to evoke, to say, 'I'm going to set the table. I can't control the Holy Spirit.'" 3. The Liturgy Issue Modern Church is "Liturgically Malnourished" Liturgy = order of service (not an outdated term) Modern church handles joy and praise well Missing: contemplation, confession, lamentation, reflection Lost practices: prayers of confession, prayers of the people Carey's Confession Presbyterian background included prayers of approach and confession As church became attractional, prayer became "just an opportunity to clear the set for the sermon" Regrets thin prayers: "God, it's so good to be here today. We thank you so much. Amen." Quote: "It's like confess your sins to one another and you will be healed. We don't do that anymore. What if we did that?" Not Either/Or, But Both/And Keep good lighting, sound, production, and musicians who can play Add breathing room, texture, color, tone, mood Use liturgical calendar and historic practices adapted to modern context Don't approach Sunday as "slots to fill" Creative Freedom 52 Sundays = 52 blank canvases Already do this well at Easter and Christmas Can be more creative without confusing people Example: Good Friday Service Ended in darkness with no announcement Faded to black and stayed there People sat in uncomfortable silence, then slowly left "I wanted them to feel that discomfort... if you can even get a small sampling of that" Easter Sunday picked up in darkness, then sunrise/resurrection 4. Live Streaming Strategy Who Should Live Stream? Not every church needs to live stream everything Need good musicians to sound great online (around 400-500 attendance to have talent base) Need separate mix for online vs. in-house Poor production = "school play" - only interesting to those directly involved Quote: "A lot of churches, and these are well-meaning, beautiful Christian people. If you don't have the talent in production or in worship, you sound like a school play." Alternatives Stream just the message On-demand after, mixed in post-production Audio only if video isn't good Consider what strangers stumbling on feed would think The Discovery Argument Pre-COVID minority of churches streamed Now "everybody you want to reach is online" "All of non-Christian America, all the nuns, all the duns, all the atheists, all the agnostics, they're on the internet" Can't remember last time truly unchurched person hadn't watched online for weeks/months before visiting The New Foyer Online is now the foyer, not the physical lobby People investigate online before visiting By the time they show up, they're ready to go "further, faster" "They've already done their investigating. They've already asked ChatGPT all the questions" 5. Practical Service Design Handling Growth Pressure Multiple services create pressure to program everything tightly Solution: Trim 5 minutes from sermon Do 60-minute service with breathing room between Create more lobby/connection space Leverage outdoor space (if climate allows) Worship Set Strategy Don't need extended mix of everything Maybe two songs and a tag instead of three full songs "Sit in the tag for a while" Find the high-impact moments (example: bridge of "How Great Is Our God") Get to what matters, like talent shows do 90-second versions Quote: "You don't have to do the extended mix of everything, the seven minute version, do the tag. That would be great. Space is something that you can do in three minutes if you know how to do it well." Service Flow Examples Don't make people stand and greet (where else does that happen?) Have emotionally intelligent people on doors, not just available people Greet people the way THEY want to be greeted Consider kids moments, announcements, communion as natural transitions Call to commitment/involvement comes sooner now than 10 years ago 6. Online Presence Best Practices Website Design Design for new people first Show service times and location prominently (mobile friendly) Staff page is #3 most viewed - people want to see "are there people like me?" Use accurate photos (don't show 27-year-olds if congregation is 70+) Show actual diversity if you have it Quote (Seth Godin): "Culture is people like us do things like this. So what people are looking for, are there people like us?" Content Strategy Lead with best sermons, not just latest Most popular videos should be easy to find People don't care if it's from 2 years ago (still watching The Office) Have robust FAQ section for unchurched questions Position yourself for lost people, not just members 7. The Current Moment The Harvest is Ripe People are seeking more than maybe in past decade or two Culture is saturated with production - not the competitive edge anymore Mental health crisis caused by social media People desperate for something real What to Do Pray for it (spiritual activity) Make newcomer journey easy Take them somewhere when they show up Go deeper faster - they're ready Quote: "People come to church looking to find God, but sometimes all they find is us. They found a really cool song, they found a really great message, but they didn't actually find God in the midst of it." Give Them Meat Reference to Tara-Lee Cobble and The Bible Recap Provide historical context (helps Christians AND non-Christians) Don't be afraid to go deep on sin, gospel, redemption Write/speak in accessible "street Greek" like the New Testament Example Opening: "Hey, we're going back 3000 years. And there was a guy named David who was King of Israel. He was trying to keep the kingdom united because there was a north and a south. You can relate to that. These are divided times..." Quote (Tim Keller): "It's worse than you can possibly imagine and better than you can possibly dream." 8. Leadership Advice For Young Church Staff (25-40) Navigating Frustration with Leadership Write down actual issues you're facing (budget, staffing, expertise) Present respectfully, thoughtfully, submissively Good leaders will either provide resources or adjust priorities Identifying Toxic Culture Unrealistic expectations Unsympathetic to staff needs Expects 60-hour weeks with no life Toxic leader will get mad/defensive when approached Options in Toxic Environment Respectfully approach and share difficulties Accept the glass ceiling and stay Build healthy team within unhealthy body (temporary solution) Leave - "unhealthy bodies drive out healthy cells" Interview Questions for New Positions Ask to talk to current staff (not the pastor) Ask to talk to FORMER staff Find out who left and why Read Google reviews Have meals/experiences together (reveals character under pressure) Quote: "Ask around, ask if you have permission. Don't ask the pastor. Don't ask the pastor. Are you healthy? The toxic people, 'I'm so healthy.'" 9. Team Building & Growth Hiring Philosophy Only hire A players C players: you know immediately (late, unmotivated, incomplete work) - should be gone B players: good but not great - "it's too bad but we'll survive" A players: if they quit you'd need 3 people to replace them Quote (Netflix): "Adequate performance gets you a generous severance package." A Player Test If they knocked on the door saying "this is my last day," how do you react? C player: "Thank goodness, now I don't have to fire them" B player: "Too bad but we'll survive" A player: "Grabbing the waste basket and throwing up" Growth Wisdom Don't settle on staff because you're panicking Will eventually become bloated with no profit Profit = "permission to do this again tomorrow" (Seth Godin) Most businesses fail not from lack of vision but lack of cash Use tools like Working Genius to find right fit Don't just find A players - find A players with gifts your team needs Cultural Values Write them down and review regularly Ritz-Carlton: 26 values, reviewed 2-3 daily in team meetings Use to evaluate: "Where are we winning/losing with our values?" Catch team members exemplifying values Values help instill culture as org chart grows 10. Upcoming Projects Carey's New Book Topic: AI and the Future Church Thesis: "As the world becomes more artificial, we need to become more human as Christians" Church's future direction is human connection Expected publication: 2026 Latest Book "At Your Best" - about time, energy, and priorities Notable Statistics & Data Points 72% of teenagers have tried AI chatbots 31% prefer AI companionship to human companions Pre-COVID: minority of churches streamed services Can't recall single unchurched person who didn't watch online for weeks/months before visiting Around 400-500 attendance: churches start having talent base for good production 80-95% of church growth in America is conversion growth (not transfer) Top 3 website pages: Homepage, Messages, Staff/About Production Quality Basics Good Enough to Stream Great singing (doesn't need to be phenomenal) Decent lights Pretty good mix Can work with church of 150-200 with good coaching Everything else can be helped with technology Bare Minimum Great guitarist + great vocalist = "off to the races" Don't feel pressure to have full mediocre band Add musicians as you find/afford great ones Practical Takeaways Create space in services - silence, breathing room, sensitivity to the room Recover lost liturgical practices - confession, lamentation, contemplation Go deeper faster - people are ready for meat, not just milk Design for online discovery - unchurched people are investigating you Lead with best content - not just latest content Only hire A players - don't panic hire when growing Build real human connection - counter to increasingly artificial world Make newcomer journey easy - they're ready to engage quickly Be creative with 52 Sundays - not just slots to fill Focus on encounter over entertainment - production supports experience, doesn't replace it Questions for Further Reflection How can we create more space for confession in our services? What would it look like to "evoke" rather than "manipulate" in worship? Are we positioning our online presence for unchurched discovery? Is our production supporting encounter or replacing it? What emotions are people carrying into our services, and how do we acknowledge that? Are we moving too fast for the Holy Spirit to work? Memorable Quotes "I don't think people are looking for hype. They're looking for hope." "People aren't looking for more information. They're looking for presence, not just presentation." "The internet is really good at information, especially with AI. You want to know anything, you can find out anything, but the internet can't really facilitate an encounter." "It's not our job as Christians to manipulate. It's our job possibly to evoke." "Where else are you going to get silence? You don't get it unless you're in church." "If you don't have the talent in production or in worship, you sound like a school play." "Everybody you want to reach is online." "Your foyer has moved online." "People come to church looking to find God, but sometimes all they find is us." "As the world becomes more artificial, we need to become more human as Christians." "Adequate performance gets you a generous severance package." "Profit is permission to do this again tomorrow."

TWS News 1: Girl Scout Cookie Season – 00:26 The Win You Didn’t Deserve – 3:24 7 Day Reset Promo – 7:41 TWS News 2: Paying with Cash – 10:44 Kirk Cameron on Hell – 14:27 Snap Judgement – 17:24 TMI – 26:10 Compliments to Women from a Stranger – 29:13 Random Acts of Audio: Tedashii – 33:57 Rock Report: Golden Globe Goody Bag – 35:42 Same Thing Different Names – 37:54 Pro Tip: Donuts – 41:37 You can join our Wally Show Poddies Facebook group at www.facebook.com/groups/WallyShowPoddies This podcast is crowd funded - that means that you help make it possible. If you like it and want to support it, give here.

I'm sharing a real look inside my own subscription box business. Not the highlight reel. The actual numbers, the launches that worked, the one that didn't, and the decisions that shaped where we're headed in 2026. The numbers never tell the whole story. But they also never lie. Always start by looking at your numbers.  I added 1,300 new subscribers in 2025.  What surprised me most? Some of our biggest growth didn't happen during launches at all. What happened between launches mattered more than I expected. May and September ended up being two of our strongest months. No cart open. No big push. Just momentum doing its job. What made the difference?  Staying visible instead of disappearing after launches Treating email like a growth tool, not just a reminder Paying close attention to who was already saying yes That's also why retention became such a big win this year: I'm ending 2025 with a 94% retention rate People weren't just buying a box once, they were staying One of my biggest - and somewhat unexpected wins - was my teacher tee subscription launch. My “baby subscription” doesn't always get a lot of attention. I ran a short, focused launch that doubled that subscription in just five days. Revenue told one story. Profit told another. After 8.5 years, I passed $6 million in subscription box sales. A huge milestone that felt great. But 2025 didn't end up being a record year. Revenue finished 4.8% down compared to the year before Profit margins increased by 12% That shift came from smarter buying, cleaner inventory, and fewer decisions made out of panic. You can be down in revenue and still be building a healthier business. Some things in 2025 were harder than they should've been. We ran into backend issues that affected payments, cash flow, and retention.  At the same time, social media visibility dropped hard. Content that used to perform just didn't. If you've ever felt like you're doing everything right and still not seeing traction, you're not imagining it. This was one of those years where pivoting mattered more than pushing. Where I'm putting my energy in 2026. I'm going all in on what's already working. That looks like: Growing subscriptions earlier in the year instead of waiting Putting more focus on email and paid ads between launches Cutting tools, products, and offers that don't earn their keep Letting subscriptions lead instead of chasing one-off ideas When I applied the 80/20 rule, the answer was obvious. Most of the revenue in my business comes from subscriptions. So that's where the focus stays. Before you plan anything, ask yourself this. As you head into 2026, I want you thinking about three simple questions: What worked - and how can you do more of it? What didn't - and what are you ready to let go of? Where do you actually want to go in 2026 - and what needs to change to get there? You don't need more ideas. You need fewer, better decisions. Join me for this episode for an honest look behind the scenes and a grounded way to think about what comes next in your own business. And if you want support along the way, come join us inside Launch Your Box. You don't have to figure this out alone. Join me in all the places:     Facebook Instagram Launch Your Box with Sarah Website  Are you ready for Launch Your Box? Our complete training program walks you step by step through how to start, launch, and grow your subscription box business. Join the waitlist today!

Cups Up to Season Four in 2026!  Between stretches of absolutely nothing in West Texas and questionable taquito choices, ⁠Mandy Matney⁠⁠ celebrates LUNASHARK's new travel podcast "Wherever It Leads…"—because apparently investigating corruption wasn't enough of an adventure. Stay tuned for details on the premiere. Then Mandy, ⁠⁠Liz Farrell⁠⁠ and Eric Bland dive into serious updates: Russell Laffitte finally reported to federal prison on December 30th, Cory Fleming might be headed home to Beaufort in what seems like shenanigans, and JP Miller heads to his arraignment in federal court on January 12th.  Then the team dives deeper into Lee Gilley's upcoming capital murder trial in Houston scheduled for February 23rd. Accused of strangling his pregnant wife Christa to death and killing their unborn child, Gilley has been booping about on bond—attending mega churches and allegedly dating—while Christa's friends fight tirelessly for justice. The audacity is stunning, the hypocrisy infuriating, and the need for accountability is more dire than ever.  ☕ Cups Up! ⚖️ Episode References Follow Mandy & David's travel adventures on Facebook

A new list just came out of careers that pay extremely well... and most people have no idea about! We're going over the top ones!See omnystudio.com/listener for privacy information.

It's Week 1 of "50 Weeks That Shaped America," and we're headed to 1976 to look at how America's last big birthday came together. In part one, Jody, Niki, and Kellie discuss how the country was in a deep malaise headed into the bicentennial, and the shambolic planning of the festivities reflected the larger distrust and dysfunction of government.Join our America250 newsletter community! Subscribe for free to get the latest news and analysis of how America250 is playing out. Paying subscribers get access to early, ad-free versions of the show. Plus bonus features throughout the year. To support our work and get access to everything, subscribe now.This Day is a proud member of Radiotopia from PRX.Your support helps foster independent, artist-owned podcasts and award-winning stories.If you want to support the show directly, you can do so on our website: ThisDayPod.comGet in touch if you have any ideas for future topics, or just want to say hello. Follow us on social @thisdaypodOur team: Jacob Feldman, Researcher/Producer; Khawla Nakua, Transcripts; music by Teen Daze and Blue Dot Sessions; Audrey Mardavich is our Executive Producer at Radiotopia. Learn about your ad choices: dovetail.prx.org/ad-choices

I don't remember my first client's name.I barely remember the details of her sleep plan.But I remember exactly how she made me feel.This mom was the first person who ever paid me to support her family as a certified sleep consultant. Her six year old had been bedsharing for years, struggled with separation anxiety, and had never learned how to fall asleep independently.I had the training. I had the certification.What I didn't have was experience with big kids or confidence that came from doing the work.And yet, I showed up. I leaned on what I knew. I coached her with intention. And together, we helped her daughter gain independence, confidence, and better sleep.What stayed with me all these years later is not the method we used or how long it took. It's the way that first client trusted me. The way she valued my guidance. The way that experience made me realize, “I can do this.”This episode is for anyone who feels like they don't know enough yet.For anyone staring at their first client thinking, “What if I mess this up?”For anyone learning something new and wishing confidence would arrive first.It doesn't.Confidence is built by doing the work, not before it.If you are committed to learning, showing up fully, and supporting families with care and professionalism, you will figure it out. Every single time.If you'd like to learn more about becoming a Sleep Consultant, please join our Facebook Group https://www.facebook.com/groups/becomeasleepconsultantCPSM website: https://thecpsm.com/Book a free discovery call to learn how you can become a Certified Sleep Consultant here: https://jaynehavens.as.me/CPSM-Inquiry

Most open source companies do the same thing. They take investor money, lock their best features behind paywalls, sell the company, and disappoint everyone. Grokability did something different.Jeremy Price, VP of Technology at Grokability talks with Corey Quinn about how they built a business that makes enough money without chasing endless growth. From why they use simple technology to how they run thousands of separate installations for customers, Jeremy explains what happens when you care more about making a good product than explosive growth.Show Highlights: (00:51) Welcoming Jeremy Price from Grokability(03:34) How Snipe-IT Started With a Bet(05:30) Paying for Software Can Change Everything(07:40) When AWS Competes With Open Source(10:10) Boring Businesses Make Money(15:30) Balancing Hosting Needs and Product Quality(18:00) Pricing That Avoids Big Customer Problems(21:06) Better Than a Google Sheet(27:02) The Psychology of Buying(29:33) Where to Find Jeremy and GrokabilityLinks: https://jermops.com/about/https://www.linkedin.com/in/jeremygprice/https://snipeitapp.com/companySponsored by: duckbillhq.com

Steve is joined by L. Todd Wood, founder of CDM.press and author of Paying the Price: The Untold Story of the Iranian Resistance, to discuss the ongoing Iranian uprising and the nation's struggle for freedom. Drawing from his deep reporting and firsthand insights, Wood explains what's driving ordinary Iranians to risk everything, and why this moment could reshape the future of Iran. A grounded look at courage, resistance, and the fight against oppression in one of the world's most repressive regimes.

Episode Description - Join host Marv for an in-depth conversation with Sam Sethi, entrepreneur, former tech journalist, and co-creator of True Fans. Discover the evolution of podcasting technology, the future of RSS feeds, and how blockchain-based micropayments could revolutionize creator monetization. Sam shares insights from his 30+ year journey through tech giants like Microsoft, Netscape, and BBC, and explains why podcasting 2.0 might be the industry's biggest shift since iTunes.  Key Topics Covered - Podcasting 2.0 & The New Namespace Sam explains the revolutionary metadata tags transforming podcast discovery and functionality, from person tags and chapters to location-based podcast mapping. Learn how open-source collaboration is challenging Big Tech's dominance.  The Future of Podcast Monetization Discover programmable money and value-for-value models that could replace traditional advertising. Sam reveals how listeners can earn micropayments for their attention while giving creators direct revenue streams. Streaming vs. Downloads: The Coming Shift Why the podcast industry's obsession with download numbers is outdated, and how first-party listen time data will revolutionize advertising effectiveness and creator insights.  AI in Podcasting: Hype vs. Reality Sam's take on "assisted intelligence" - where AI transcripts and automated chapters add value, and where synthetic voices fall short of authentic creator-listener relationships.  Timestamps - [00:00] Introduction and Sam's tech journalism background [02:00] From army officer to Microsoft: Sam's unconventional career path [04:00] The early days of blogging and TechCrunch Europe [05:00] COVID pivot: Building a radio station and discovering podcasting [06:00] Launching Pod News Weekly Review with James Cridland [07:00] Getting involved with Podcasting 2.0 and building True Fans [08:00] Apple finally adopts transcripts and chapters - validation for the namespace [10:00] Location tags and the future of podcast discovery [12:00] Why Sam loves technology over advertising metrics [14:00] The Spotify-Netflix deal and protecting niche podcasting [15:00] Advertising as "Emperor's new clothes" - the measurement problem [17:00] Revolutionary concept: Paying listeners to watch ads with programmable money [20:00] Value-for-value and streaming micropayments explained [22:00] Co-listening feature and building podcast communities [26:00] The Pod News Weekly dynamic: British humor and rapport [28:00] Moving from downloads to streaming: The next five years [30:00] Why listen time percentage matters more than raw numbers [33:00] The death of the download model and rise of streaming data [36:00] BBC Sounds international availability debate [40:00] The Panorama editing scandal and BBC's reputation [42:00] What makes a great podcast: Content, chemistry, and audio quality [45:00] Parasocial relationships and podcast magic [46:00] Claire Waite Brown's "Podcasting 2.0 in Practice" - essential listening [47:00] Concerns about declining podcasting 2.0 content creators [51:00] Sam's podcast listening habits: Politics, sports, and intelligent conversation [53:00] AI as "assisted intelligence" not artificial intelligence [54:00] AI voices vs. authentic creator relationships [56:00] Different AI podcast models: Editorial control vs. content farms [58:00] How to connect with Sam and True Fans  Key Quotes - "I think micropayments and wallets might take a little longer, but I can see in 2026  that catching on as well... the merit of what the technology provides and why people want it stands out very well."  "The joy and the promise of podcasting is about the long tail, about the niche of  podcasting... somebody who's got a niche podcast about fishing or knitting or  whatever, can still have an audience."  "I think advertising is the Emperor's new clothes. I think it's a scam... Who heard my ad? Oh, we can't tell you. How long did they listen to my ad? I don't know."  "The download isn't irrelevant, but actual listen time is a real metric. And so I think  in 2026, 2027, you'll see more and more people tell you what their listen time is not their download numbers."  Resources Mentioned - People & Podcasts  ● James Cridland - Pod News Weekly Review co-host  ● Adam Curry - Podcasting pioneer, Podcasting 2.0 namespace creator  ● Dave Jones - Podcasting 2.0 co-creator  ● Claire Waite - "Podcasting 2.0 in Practice" podcast  ● Elsie Escobar - Former host of The Feed  ● Kara Swisher - Pivot podcast  ● Emily Maitlis - The News Agents, The Rest is Politics Platforms & Tools  ● True Fans - Sam's podcasting app and hosting platform  ● Fountain - Podcasting 2.0 app  ● Pod Verse - Podcasting 2.0 app  ● Buzzsprout - Podcast hosting with AI features  ● Zencaster - Recording platform  ● 11 Labs - AI voice generation  ● Wonder Craft - AI audio production Companies & Technologies  ● Podcasting 2.0 namespace  ● Value-for-value model  ● Booster Gram Ball  ● Lightning Network micropayments  ● BBC Sounds   Articles & Concepts - ● Kevin Kelly's "1,000 True Fans" essay  ● Micro formats and micro data  ● Premium RSS feeds  ● Value time splits (wallet switching)  ● Timed links in transcripts   Connect with Sam Sethi - ● Email: sam@truefans.fm  ● LinkedIn: Sam Sethi  ● Listen: Pod News Weekly Review  ● Listen: Creators from True Fans  ● Platform: truefans.fm  ● Mastodon: Active  SEO Keywords -  podcasting 2.0, podcast monetization, RSS feeds, micropayments, value for value podcasting, podcast analytics, listen time metrics, streaming podcasts, podcast advertising, AI in podcasting, podcast transcripts, podcast chapters, True Fans app, podcasting namespace, blockchain podcasting, creator economy, independent podcasters, podcast technology, podcast discovery, niche podcasting  About the Guest - Sam Sethi is a tech entrepreneur and former journalist with over 30 years of industry experience. He's worked with Microsoft, Netscape, BBC, and TechCrunch, and currently serves as co-creator of True Fans and co-host of Pod News Weekly Review. Sam is deeply involved in the Podcasting 2.0 movement, developing innovative solutions for podcast monetization and listener engagement through blockchain-based micropayments and enhanced RSS metadata.  For more episodes of Pods Like Us, visit themarzone.org or find us on your favorite podcast platform. Support the show on Patreon.

Expenses in business are as certain the sunrise, yet both my guest today and me meet prospective clients all the time who don't seem to have a handle on them. If you don't, problems are coming. Planning expenses is a natural requirement of any successful practice, and my guest today helps her clients do just that.Michelle O'Connor, a believer in following one's dreams, has risen from an inner-city community to a life of abundance. With corporate expertise in Strategic Planning and Execution, she helps entrepreneurs achieve their goals. Michelle supports organizations through strategic processes, coaching entrepreneurs to develop action plans for success. She has facilitated Strategic Planning Retreats in Jamaica, Trinidad & Tobago, and the Dominican Republic, and reached hundreds through her Purpose Driven Conference. Her current mission is to help Medical Private Practice Owners create sustainable practices. As a wife and mother, she strives for a brighter future, motivated by the philosophy “Ad Astra Per Aspera.”In this episode Carl White and Michelle O'Connor discuss:1. Why practice owners fail to plan for expenses2. Why it is important to monitor expenses3. What if expenses are more than revenueWant to be a guest on PracticeCare®?Have an experience with a business issue you think others will benefit from? Come on PracticeCare® and tell the world! Here's the link where you can get the process started.Connect with Michelle O'ConnorLinkedIn - https://www.linkedin.com/in/michelletoconnor/Facebook - https://www.facebook.com/successbiznessclubInstagram - https://www.instagram.com/successbiznessclub/Connect with Carl WhiteWebsite: http://www.marketvisorygroup.comEmail:  whitec@marketvisorygroup.comFacebook:  https://www.facebook.com/marketvisorygroupYouTube: https://www.youtube.com/channel/UCD9BLCu_i2ezBj1ktUHVmigLinkedIn: http://www.linkedin.com/in/healthcaremktg

Tracy was significantly impacted by legal fees incurred during a severe domestic violence situation, which led to high-interest personal loans due to poor credit. This experience highlighted the reality of financial abuse, a tactic used for power and control. She emphasizes that financial abuse can take many forms, including withholding money or using legal fees as a scare tactic, and that recognizing it is the first step toward healing. Tracy also discovered her need for a personal relationship with money, tracing it back to her parents' poverty and a resulting negative view on finances. She learned that understanding these patterns, often rooted in childhood experiences, is vital for changing financial behavior. This self-awareness allowed her to practice restraint, avoid impulse purchases, and refrain from opening new credit cards.There is a lot to learn from Tracy, as she shares her Long Story $hort.Key takeaways:Seek professional guidance like MMI when facing overwhelming debtUnderstand the impact of financial abuse and its connection to debtDevelop self-awareness regarding your relationship with money and spending habitsPractice restraint and accountability to stick to your financial goalsLeverage conversations with trusted individuals to find support and resourcesKey moments:00:00 Tracy's Journey to MMI03:15 Finding MMI and Debt Management05:37 Understanding Financial Abuse08:36 Working with MMI and Overcoming Isolation12:32 Learning Restraint and Money Relationship15:37 Breaking the Stigma and Seeking Awareness19:14 A New Debt-Free Goal and Paying it Forward23:13 Tracy's Lasting Message of Hope

Jamie, CMO at Bitget Wallet, joins David Sencil to explain how crypto is evolving beyond speculation into real-world finance.They discuss how stablecoins are being used for everyday payments, earning yield directly inside wallets, self-custody, regional adoption differences, and why wallets are becoming the core interface for modern finance.Topics covered include:– Paying for real-world goods with crypto– Stablecoins as everyday money– On-chain yield and wealth building– Self-custody vs traditional finance– Why 2026 could be a breakout year for crypto utility

In this hour, Adam Crowley reacts to the Steelers' 26-24 win over the Baltimore Ravens on Sunday. January 5, 2026, 6:00 Hour

✈️ SOFTWARE FOR HOME SERVICE BUSINESS: https://home.works

Should we pay him and how much should he get?

In this solo episode of Waking Up With Melissa, I'm breaking down why the first 90 days of the year set the tone for everything that follows: your momentum, your identity, your results, and your capacity to receive.This isn't a hustle or discipline conversation. This is about devotion, obsession, self-concept, and nervous-system regulation.I'm sharing how I personally plan my year, why I script 50 desires every January, and why excitement not pressure is the real catalyst behind sustainable success. If you've ever struggled with follow-through, clarity, or consistency, this episode will completely reframe how you approach goals, growth, and becoming.A BREAKDOWN OF THIS EPISODE:00:00 — Why the First 90 Days Set the ToneHow the way you begin is usually the way you end—and why January matters more than you think.05:12 — Discipline vs Devotion vs ObsessionWhy pressure kills momentum, and what actually gets people to follow through.08:04 — Planning the Year Without Forcing the OutcomeWhy most people don't fail from lack of discipline but from lack of a plan.10:47 — The Power of Scripting & Writing 50 DesiresWhy writing your goals in present tense rewires identity, belief, and possibility.14:58 — Creativity, Clarity & StillnessWhy clarity doesn't come from logic and how disconnection creates alignment.20:18 — Survival Mode Isn't About MoneyWhy success without self-concept still feels like survival.23:02 — Identity-Based Goal SettingWhy setting goals from who you should be creates resistance and how to shift into becoming.25:11 — Relationships, Boundaries & CapacityHow the people you allow close in the next 90 days shape your entire year.28:36 — Paying the Price of AdmissionWhy expansion costs time, energy, money and sometimes comfort.32:48 — Restarting Without ShameWhy pressing “reset” daily is the real growth hack.Stay ConnectedFollow me on Instagram: @iammelissaruizPS: Unleash & Unveil Your Soul Business is officially open for 2026.Whether you're starting your business or refining your launches and attracting more aligned clients, this container is designed to support your next evolution.DM UNLEASH at @iammelissaruiz or visit www.iammelissaruiz.com for details.

Obama should have drank the water in Bikini Bottom to prove it's not irradiated. And Alex reveals he is now playing a Paul Stanley signature series guitar. Full episode on Patreon: https://www.patreon.com/posts/285-semi-hollow-147255525

How does your salary compare? And which industries tend to have the highest pay?https://flowingdata.com/2025/12/02/who-makes-a-higher-salary-and-the-jobs-they-work/Trump says the US should be taking a page from Australia's retirement playbook. What might a retirement system overhaul look like? https://www.cnn.com/2025/12/03/economy/superannuation-australia-retirement-trumpA New York high school banned phones and saw dramatic improvements in focus, behavior, and social interaction. https://nymag.com/intelligencer/article/how-new-york-public-school-phone-ban-saved-high-school.htmlSome of the best investment writing from 2025https://ofdollarsanddata.com/my-favorite-investment-writing-of-2025/An interactive visualization that shows just how common your birthday really is.https://thedailyviz.com/2016/09/17/how-common-is-your-birthday-dailyviz/

Our contemporary world is inescapably Greek. Whether in a word like “pandemic,” a Freudian state of mind like the “Oedipus complex,” or a replica of the Parthenon in a Chinese theme park, ancient Greek culture shapes the contours of our lives. Ever since the first Roman imitators, we have been continually falling under the Greeks' spell. But how did ancient Greece spread its influence so far and wide? And how has this influence changed us? In What the Greeks Did for Us (Yale UP, 2023), Tony Spawforth explores our classical heritage, wherever it's to be found. He reveals its legacy in everything from religion to popular culture, and unearths the darker side of Greek influence—from the Nazis' obsession with Spartan “racial purity” to the elitism of classical education. Paying attention to the huge breadth and variety of Hellenic influence, this book paints an essential portrait of the ancient world's living legacy—considering to whom it matters, and why. Tony Spawforth is emeritus professor of ancient history at Newcastle University. As well as leading cultural tours in Greece, he has presented eight documentaries for the BBC and has published thirteen books, including The Story of Greece and Rome. Morteza Hajizadeh is a Ph.D. graduate in English from the University of Auckland in New Zealand. His research interests are Cultural Studies; Critical Theory; Environmental History; Medieval (Intellectual) History; Gothic Studies; 18th and 19th Century British Literature. YouTube channel. Twitter. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/new-books-network

Our contemporary world is inescapably Greek. Whether in a word like “pandemic,” a Freudian state of mind like the “Oedipus complex,” or a replica of the Parthenon in a Chinese theme park, ancient Greek culture shapes the contours of our lives. Ever since the first Roman imitators, we have been continually falling under the Greeks' spell. But how did ancient Greece spread its influence so far and wide? And how has this influence changed us? In What the Greeks Did for Us (Yale UP, 2023), Tony Spawforth explores our classical heritage, wherever it's to be found. He reveals its legacy in everything from religion to popular culture, and unearths the darker side of Greek influence—from the Nazis' obsession with Spartan “racial purity” to the elitism of classical education. Paying attention to the huge breadth and variety of Hellenic influence, this book paints an essential portrait of the ancient world's living legacy—considering to whom it matters, and why. Tony Spawforth is emeritus professor of ancient history at Newcastle University. As well as leading cultural tours in Greece, he has presented eight documentaries for the BBC and has published thirteen books, including The Story of Greece and Rome. Morteza Hajizadeh is a Ph.D. graduate in English from the University of Auckland in New Zealand. His research interests are Cultural Studies; Critical Theory; Environmental History; Medieval (Intellectual) History; Gothic Studies; 18th and 19th Century British Literature. YouTube channel. Twitter. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/literary-studies

In this episode of The Missing Secret Podcast, John introduces a special guest. A man he met about a year ago that said he wanted to learn this think it be it 12 minute a day methodology. Listened to Steve Prendergast's journey over the last 12 months. He shared that the big Domino for him was appreciating the profound impact that 95% of his daily thoughts and actions are unconscious. Once he grasped the profound nature that, the big Domino fell and everything going forward that he heard from John made sense.Steve Prendergast also talks about the perspective of being in his mid-30s and learning this. John and Steve also talk about the impact of being wired for survival. And how that plays out with people. They also talk about the biggest challenge for people to embrace this methodology. Really it's their resistance to change. And then finally John and Steve talk about Darren Hardy. The top expert in the world on success. Discussing his impact on the methodology and his opinion of the methodology. And then finally Steve shares with the audience how once you learn this methodology you can't help but do anything else but teach it.Buy John's book, THE MISSING SECRET of the Legendary Book Think and Grow Rich : And a 12-minute-a-day technique to apply it here.About the Hosts:John MitchellJohn's story is pretty amazing. After spending 20 years as an entrepreneur, John was 50 years old but wasn't as successful as he thought he should be. To rectify that, he decided to find the “top book in the world” on SUCCESS and apply that book literally Word for Word to his life. That Book is Think & Grow Rich. The book says there's a SECRET for success, but the author only gives you half the secret. John figured out the full secret and a 12 minute a day technique to apply it.When John applied his 12 minute a day technique to his life, he saw his yearly income go to over $5 million a year, after 20 years of $200k - 300k per year. The 25 times increase happened because John LEVERAGED himself by applying science to his life.His daily technique works because it focuses you ONLY on what moves the needle, triples your discipline, and consistently generates new business ideas every week. This happens because of 3 key aspects of the leveraging process.John's technique was profiled on the cover of Time Magazine. He teaches it at the University of Texas' McCombs School of Business, which is one the TOP 5 business schools in the country. He is also the “mental coach” for the head athletic coaches at the University of Texas as well.Reach out to John at john@thinkitbeit.comLinkedIn: https://www.linkedin.com/in/john-mitchell-76483654/Kelly HatfieldKelly Hatfield is an entrepreneur at heart. She believes wholeheartedly in the power of the ripple effect and has built several successful companies aimed at helping others make a greater impact in their businesses and lives.She has been in the recruiting, HR, and leadership development space for over 25 years and loves serving others. Kelly, along with her amazing business partners and teams, has built four successful businesses aimed at matching exceptional talent with top organizations and developing their leadership. Her work coaching and consulting with companies to develop their leadership teams, design recruiting and retention strategies, AND her work as host of Absolute Advantage podcast (where she talks with successful entrepreneurs, executives, and thought leaders across a variety of industries), give her a unique perspective covering the hiring experience and leadership from all angles.As a Partner in her most recent venture, Think It Be It, Kelly has made the

Our contemporary world is inescapably Greek. Whether in a word like “pandemic,” a Freudian state of mind like the “Oedipus complex,” or a replica of the Parthenon in a Chinese theme park, ancient Greek culture shapes the contours of our lives. Ever since the first Roman imitators, we have been continually falling under the Greeks' spell. But how did ancient Greece spread its influence so far and wide? And how has this influence changed us? In What the Greeks Did for Us (Yale UP, 2023), Tony Spawforth explores our classical heritage, wherever it's to be found. He reveals its legacy in everything from religion to popular culture, and unearths the darker side of Greek influence—from the Nazis' obsession with Spartan “racial purity” to the elitism of classical education. Paying attention to the huge breadth and variety of Hellenic influence, this book paints an essential portrait of the ancient world's living legacy—considering to whom it matters, and why. Tony Spawforth is emeritus professor of ancient history at Newcastle University. As well as leading cultural tours in Greece, he has presented eight documentaries for the BBC and has published thirteen books, including The Story of Greece and Rome. Morteza Hajizadeh is a Ph.D. graduate in English from the University of Auckland in New Zealand. His research interests are Cultural Studies; Critical Theory; Environmental History; Medieval (Intellectual) History; Gothic Studies; 18th and 19th Century British Literature. YouTube channel. Twitter. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/art

In this episode, host Travis Chappell and producer Eric react to a wild sermon clip from fundamentalist pastor Phil Kidd going off on church members about tithing, pastor lifestyles, and “God‑robbing thieves.” The conversation uses the clip as a springboard to unpack how money, ministry, and guilt-based giving often get tangled together in modern church culture.​ On this episode we talk about: Why “if you question my spending, you're a God‑robber” is such a manipulative framing How young Travis used to automatically trust anything said from a pulpit—and what changed as an adult The real tension in pastor salaries: compensating competence vs. hiding lifestyle excess behind spiritual language Why nonprofit and church structures can quietly turn into big, expensive machines where only a tiny slice reaches the stated “cause” A more honest view: church members do fund the pastor's life, just like taxpayers fund government salaries Why Travis prefers direct, quiet generosity to individuals over funneling everything through churches or large charities Top 3 Takeaways Guilt is a terrible financial advisor. “Give or you're robbing God” and “you didn't pay for my car” are emotional pressure tactics, not healthy teaching on generosity. Paying pastors well is not the problem; lack of transparency is. The issue is not income itself but how it is justified, explained, and held accountable. You can be generous without loving the institutional model. Supporting people and causes you believe in directly can often feel more aligned and impactful than blindly funding bloated structures. Notable Quotes “If you're good at what you do, you should get paid well—pastors included—but don't pretend the people in the seats aren't footing the bill.” “There's an inherent tension in nonprofit work: to tackle big problems, you need highly skilled people, and highly skilled people are not cheap.” “I'm not anti‑giving; I'm just not interested in giving to systems I don't trust.”​ ✖️✖️✖️✖️

Photographers sometimes assume luxury is reserved for studios, but today's guest proves that a high-end experience can thrive right inside your clients' homes.Chelsea Hickey, the award-winning photographer behind Chicky Little Photography, specializes in in-home newborn storytelling sessions outside of Boston. Averaging $7,000 newborn sales and $4,000 across all genres, she's built a thriving luxury brand rooted in service, simplicity, and confident systems.In this conversation, Chelsea shares how she made the leap from burnout-pricing to sustainable profit, why luxury is really about ease and service, and how to confidently guide clients through IPS without feeling “salesy.” She also breaks down money mindset, transparent pricing, outsourcing retouching, and why understanding your cost-of-doing-business will completely change your business.If you've ever dreamed of higher sales, smoother sessions, and a brand that feels elevated without being overwhelming, this episode is a game-changer.What's in this episode:[02:00] Chelsea's start in photography and the burnout that forced a pivot[04:00] Why she chose in-home newborn sessions over a traditional studio[05:00] What luxury actually means (and why service is the foundation)[06:00] How she structures her in-home newborn workflow from start to finish[08:00] What Chelsea shifted to average $7K newborn sales[10:00] Reframing IPS as service, not sales[11:00] Overcoming money mindset, and pricing fears[13:00] Working less, earning more, and taking 6–7 vacations a year[17:00] Paying yourself and the tax lesson that changed everything[20:00] Transparent pricing without overwhelming clients[23:00] Outsourcing retouching + why “Who Not How” changed her workflow[29:00] Gift certificates, portfolio building sessions & how to use them wisely[30:00] The first small step toward the luxury market[31:00] Chelsea's courses & resources for photographersIf the luxury world has ever felt like something other photographers could access but not you, Chelsea's guidance will help you see what's possible and what you can start shifting right now.For full show notes, resources, links and to download the transcript, visit our website: https://themilkyway.ca/podcast/Grab your spot for the 2025 Online Newborn Retreat!

Want to 10x your team's output? The secret isn't working harder, it's aligning incentives.In this episode, Mike breaks down the most powerful leadership tool you're probably not using: AI (Aligned Incentives). Learn how to structure compensation plans that get your team thinking about your business even in the shower, and why paying someone more money might be the smartest financial decision you'll ever make.Mike covers:Why hourly pay actually incentivizes slower workThe difference between leading and lagging indicatorsHow to structure comp plans for sales reps, painters, and crew leadsThe "shower time" test: are your team members thinking about your business off the clock?Why you should never be attached to a salary cap for any roleWhether you're managing painters, production managers, or an entire leadership team, this episode will change how you think about compensation forever. Stop paying for time and start paying for outcomes.

Thanks to our Partners, Shop Boss and AppFueledStanding in line for hours at Disney might not sound like it has anything to do with running an auto repair shop but Brian Walker draws a straight line between the two. In this episode, he shares how paying to fast track your experiences, whether it's in business, life, or even theme parks, can be the smartest investment you make. With real talk from his own business journey and the hard lessons he learned over the years, Brian lays out how mentorship, coaching, and strategic outsourcing can shave years off your learning curve and put you on the express track to success.If you're tired of figuring everything out the hard way, this one's for you.Hit play and let's talk about skipping the line in business and in life.Show Notes with TimestampsIntroduction and Sponsor Thanks (00:00:09) Brian introduces the episode, thanks sponsors, and sets up the topic of "fast tracking" in life.Disney Line Story & The Illusion of Shortcuts (00:01:10) Brian shares his pastor's story about long Disney lines and the reality behind seemingly short waits.Brian's Disney VIP Experience (00:03:19) Brian describes his own Disney VIP experience, using it as an analogy for fast tracking success.The Value of Paying for Mentorship and Coaching (00:04:37) Brian discusses how paying for expert guidance accelerates learning and business growth.Learning the Hard Way vs. Fast Tracking (00:05:46) Brian reflects on his agency's slow progress before joining specialized coaching programs.Realizing the Benefits of Coaching Programs (00:06:46) Brian realizes he could have saved years by joining a coaching program earlier.Sponsor Messages (00:07:30) Sponsor ads for Shop Boss and App Fueled, highlighting their business solutions.Condensing Years of Learning into a Day (00:09:05) Brian explains how coaching programs now teach in a day what took him years to learn.Paying for Services to Buy Back Time (00:10:12) Brian encourages business owners to delegate tasks to professionals to save time and focus on strengths.Challenging the “Do It Yourself” Mentality (00:11:17) Brian questions the belief that you should never pay for something you can do yourself.The Value of Buying Back Your Time (00:12:34) Brian advocates for paying others to free up time for more valuable or enjoyable activities.Encouragement to Invest in Fast Tracking (00:13:52) Brian urges listeners to invest in mentorship or services to accelerate progress and stay in their zone of genius.Final Thoughts and Disney Analogy (00:14:58) Brian wraps up, encouraging listeners to pay for better experiences in life, using Disney VIP as an example.

Most people don't fail. They don't crash and burn. They just stay the same without ever fully realizing it.   In this end-of-year solo episode, I'm unpacking something most people don't want to look at: the hidden cost of staying exactly where you are, and why so many of us think we're changing while unconsciously playing it safe.   We talk about the difference between performing change and embodying it, why setting goals alone doesn't actually transform your life, and how loyalty to a familiar identity can quietly keep you stuck for years.   If you've been telling yourself: "I'll change when things slow down," "I just need to feel ready," or "It's not that bad,"   this episode is your invitation to pause and get radically honest. Because staying the same isn't neutral. It's already costing you: in energy, self-trust, and time. And the only real question is whether you're willing to stop confusing intention with transformation.   This Episode Is For You If: You set goals every year but feel like nothing really shifts You're "doing the work" but still playing small or safe You're high-functioning, successful on paper, but internally restless You're ready to stop negotiating with yourself and raise your standards   Fitness, health, and holistic wellness for $22/month Interested in a luxury 1:1 online health coaching experience? Look no further than FENIX ATHLETICA, where we fuse science and soul for life-long transformation (inside AND out). LMNT is LMNT is a DELICIOUS, science-based electrolyte drink mix with everything you need and nothing you don't. No sugar. No coloring. No artificial ingredients. No gluten. No fillers. No BS. Head to drinklmnt.com/emdunc to get a FREE variety pack with your purchase! Follow me on Instagram Follow EMBody Radio on Instagram

Anna Chekhovich is a Russian activist who manages the Anti-Corruption Foundation's finances while living in exile. She runs payrolls, budgeting, and fundraising for a movement that faces surveillance, asset seizures, and sanctions. What sets Anna apart is her operational playbook for keeping an organization alive when banks fail you. In this episode, Anna joins The Last Free Americans to share how bitcoin became ACF's plan B for payroll and donations, how activists build practical off-ramps under hostile regimes, and how she co-designed a simple three-day training that now serves activists from more than 50 countries. SUPPORT THE PODCAST: → Subscribe → Leave a review → Share the show with your friends and family → Send us an email: podcast@unchained.com → Learn more about Unchained: https://unchained.com/?utm_source=youtube&utm_medium=social&utm_campaign=podcast → Book a free call with a bitcoin expert: https://unchained.com/consultation?utm_source=youtube&utm_medium=social&utm_campaign=podcastTIMESTAMPS:0:00 - Intro, disclaimers, and why Bitcoin self-custody matters for human rights1:04 - Running ACF finances under surveillance and in exile3:23 - Bank freezes and the shift to bitcoin as plan B4:52 - Paying 300 plus staff when accounts are seized5:57 - Donor safety in authoritarian regimes and why self-custody is essential7:10 - Explaining self-custody in the U.S. context9:37 - The HRF webinar design and why simplicity wins12:09 - Day 1 playbook: custody types, first wallet, sending sats12:41 - Day 2 playbook: last mile options, P2P, meetups, and ATMs13:52 - Day 3 playbook: self-hosted crowdfunding with BTCPay Server and cold storage16:22 - Why lightning for live demos and choosing simple wallets like Muun20:57 - Sanctions and supporting family via P2P off-ramps31:19 - Multisig for nonprofits and where Unchained fits35:02 - Privacy by default with coinjoin and better ops hygiene39:14 - The peace time case for self-custody and financial dignityWHERE TO FOLLOW US: → Unchained X: https://x.com/unchained  → Unchained LinkedIn: https://www.linkedin.com/company/unchainedcom  → Unchained Newsletter: https://unchained.com/newsletter → Joe Kelly's Twitter: https://x.com/josephkelly  → Anna Chekhovich's Twitter: https://x.com/AnyaChekhovich 

In this episode, we take an honest look at what it really means to be broke—when your essential bills cost more than your income—and the exact steps you can take to regain control of your finances. This video breaks down the practical strategy I would personally follow if I were in that situation and needed to rebuild from the ground up.You'll learn how to create breathing room even when money is extremely tight, how to pay off your smallest debt first for quick momentum, and how to build a small emergency fund that protects you from falling back into the debt cycle. We also walk through how to temporarily cut expenses, sell items to free up cash, reduce bills, and design a short-term survival budget that actually works.This video is designed for anyone trying to get out of debt with limited income, stabilize their finances, or build a stronger foundation for long-term financial success.In this episode, we cover: ✔ What “being broke” actually means when your bills exceed your income ✔ How to create immediate breathing room with no extra cash ✔ Paying off your smallest debt first to rebuild momentum ✔ Selling items or cutting a utility to free up money quickly ✔ Building a starter emergency fund to prevent future setbacks ✔ Using a short-term survival budget to regain control ✔ Reducing expenses, negotiating bills, and lowering financial pressure ✔ Why spending less than you make is the foundation of long-term successIf your financial situation feels overwhelming, this episode will give you a clear and realistic plan to stabilize your budget and start moving forward. These strategies are simple, actionable, and designed for real people facing real financial pressure.Subscribe for more practical financial education, budgeting tips, debt payoff strategies, and long-term personal finance guidance. Your situation can change—one step at a time.**Support the Stream By Shopping at Our Store** Buy Your Financial Mirror Gear: https://www.thefinancialmirror.org/shop YouTube: https://www.youtube.com/@thefinancialmirrorRumble: https://rumble.com/TheFinancialMirrorFacebook: https://www.facebook.com/thefinancialmirr0rX: https://twitter.com/financialmirr0rInstagram: https://www.instagram.com/thefinancialmirror/Podcast: https://creators.spotify.com/pod/show/thefinancialmirrorIf you are in need of a Financial Coach, don't waste another day of being in debt, not planning for retirement, or simply wondering where your money went each month. Today is the day to take control of your finances and I can help, no issue is too big or too small. Contact me at https://www.thefinancialmirror.org/#InvestInYourself #PersonalFinance #FinancialEmpowerment #personalfinance #financialfreedom #finance #money #investing #financialliteracy #financialindependence #budgeting #debtfreecommunity #financialplanning #debtfree #financialeducation #debtfreejourney #wealth #financetips #business #budget #investment #entrepreneur #moneymanagement #moneytips #stockmarket #financialgoals #invest #motivation #debt #savings #moneymindset #savingmoney #success #getoutofdebt #moneytalk #sidehustle #payoffdebt #broketorich #thefinancialmirror #wealthbuilding #financialhealth #buildwealth #emergencyfund #smartmoney

HOW TO DECIDE BETWEEN DEBT AND INVESTING FROM BALTIMORE WASHINGTON FINANCIAL ADVISORS Lawrence M. Post | CPA, MST, CFP®, CIMA® Senior Tax & Planning Advisor, BWFA and Tyler Kluge | CFP®, ChFEB℠, CPWA®, CDFA®, CEPS,  Financial Planner, BWFA About This Episode Deciding whether to pay off debt or invest can feel overwhelming. Learn how to weigh your options and make choices that support long-term goals. Full Description One of the most common financial questions people face is whether they should focus on paying off debt or investing for the future. Both options can play an important role in a healthy financial plan, but the right answer is rarely the same for everyone. In this episode of Healthy, Wealthy & Wise, the discussion explores how to evaluate the decision to pay down debt versus investing. Listeners will learn why interest rates, cash flow, and personal goals all matter when deciding where to direct their money. The conversation explains that not all debt is created equal. High-interest consumer debt can place ongoing pressure on finances, while lower-interest debt may allow room for investing at the same time. This episode helps listeners understand how different types of debt fit into a broader financial strategy. The episode also highlights the emotional side of this decision. Paying off debt can provide peace of mind, while investing supports long-term growth. Balancing these priorities often requires tradeoffs. Rather than viewing the choice as all or nothing, the discussion encourages a more flexible approach that considers both progress and stability. Listeners will gain insight into how thoughtful planning can help avoid extremes. Making consistent, informed decisions over time often leads to better outcomes than reacting based on short-term emotions or headlines. At BWFA, we help individuals and families align debt management and investing within a comprehensive plan. This episode offers guidance to help you make confident decisions that fit your unique financial situation. To learn more about building a balanced financial plan, visit BWFA's Financial Planning Services.

Geopolitical tension between the United States and Venezuela is quietly pushing up insurance, energy, and construction costs, raising the true price of property ownership across America without ever showing up in home prices.—Ready to kill the rat race?This free ⁠"Beginner's Guide to Real Estate Investing in 2025" will show you exactly how to start, even if you're broke, busy, or scared to death of losing a dime.It's short. It's simple. It's real.Download now: https://www.unitedstatesrealestateinvestor.com/freeguide/—Helping you learn how to achieve financial freedom through real estate investing. https://www.unitedstatesrealestateinvestor.com/

Visit our website:https://www.thewealthwarehousepodcast.com/With the end of 2025 in sight, Dave and Paul wrap on what real clients taught them about practicing Infinite Banking.From why more families are starting kids' policies and how planning ahead with convertible term keeps future options open, to simple ways disciplined loan repayment can supercharge your system. Additionally, they dig into capturing big annual expenses as premium, building your IBC “tribe,” and a quick tease on changes coming to the show in 2026.If you're serious about using IBC in everyday life, this one's a clean checklist of what to do next. Tune in, take notes, and head into January with a plan.Becoming Your Own Banker by Nelson Nash:https://infinitebanking.org/product/becoming-your-own-banker/ref/46/Episode Highlights:0:00 - Intro1:01 - Episode beginning2:54 - What we've learned over the last year4:51 - Family and legacy8:03 - Planning ahead, windfalls13:24 - Opportunities18:51 - Paying loans24:11 - Capturing big, annual expenses25:52 - Shared minds, “finding more room”28:19 - Referrals30:14 - Episode wrap-upABOUT YOUR HOSTS:David Befort and Paul Fugere are the hosts of the Wealth Warehouse Podcast. David is the Founder/CEO of Max Performance Financial. He founded the company with the mission of educating people on the truths about money.David's mission is to show you how you can control your own money, earn guarantees, grow it tax-free, and maintain penalty-free access to it to leverage for opportunities that will provide passive income for the rest of your life.Paul, on the other hand, is an Active Duty U.S. Army officer who graduated from Norwich University in 2002 with a B.A. in History and again in 2012 with a M.A. in Diplomacy and International Terrorism. Paul met his wife Tammy at Norwich.As a family, they enjoy boating, traveling, sports, hunting, automobiles, and are self-proclaimed food people.Visit our website:https://www.thewealthwarehousepodcast.com/Catch up with David and Paul, visit the links below!Website: https://infinitebanking.org/agents/Fugere494https://infinitebanking.org/agents/Befort399LinkedIn:https://www.linkedin.com/in/david-a-befort-jr-09663972/https://www.linkedin.com/in/paul-fugere-762021b0/Email:davidandpaul@theibcguys.com

See omnystudio.com/listener for privacy information.

Jon Gustin didn't set out to be a parenting voice. He became one the hard way. In this conversation, Jon talks honestly about early exposure to alcohol, years of running from anxiety, and what happened when becoming a father forced him to stop numbing and start paying attention. He shares what it was like to quit drinking, face anxiety head-on, and rebuild his marriage and inner life while raising young kids. There's no dramatic turnaround story here—just the quiet, difficult work of changing patterns so they don't get passed down. From there, the conversation turns to modern childhood. Screens. Phones. Messy houses. Kids growing up too fast. Jon makes a simple but urgent case: childhood needs protection—not through fear or control, but through attention. Paying attention to what kids are doing, who they're becoming, and whether they're being pushed into an adult world too soon. This episode is for parents who sense something is off, who don't want to overreact or opt out of modern life—but who also refuse to sleepwalk through it. Thoughtful, steady, and deeply reassuring. Learn more about Jon and all he has to offer here Pre-order Jon's book, The Tired Dad here Learn more about your ad choices. Visit megaphone.fm/adchoices

Nickolas Natali is on a mission to hit $100K in monthly recurring revenue, and he's doing it out loud. In this inspiring and wildly honest conversation, Stacey Lauren sits down with Nickolas just weeks into launching “Project Moonshot,” a high-stakes challenge to radically scale his business. From living in a 1986 Suburban to becoming an ad agency founder, Nick shares the power of resourcefulness, gritty goal-setting, and community in staying the course. This one's a masterclass in doing the thing, especially when it's scary.In This Episode:00:00 – Launching “Project Moonshot” & the power of saying goals out loud04:55 – How Nick hacked a 3-year degree + the roots of resourcefulness08:22 – Paying off $60K in student loans by living in a car13:10 – Why Stacey launched the Billion Dollar Impact Marketplace18:41 – Integrity, community, and not giving up (even when it's hard)26:07 – Group psychology, impact entrepreneurship & moral marketing35:55 – Comfort Circles & helping people find their voice47:22 – Nick's pivot from podcasting to paid ads52:40 – The truth about repetitive discipline vs. shiny-object syndrome59:02 – Nick's real-time roadmap to $100K/month1:02:40 – Stacey gets coached by Nick—live!1:09:15 – The best kind of contagious growth YouTube: https://youtu.be/JiFjrTPOQtc Apple Podcasts: https://podcasts.apple.com/us/podcast/project-moonshot-nickolas-natalis-bold-%24100k-goal-the/id1618590178?i=1000742898505 Spotify: https://open.spotify.com/episode/6VRsceUuv4qFZ0MjPAohiF

Happy holidays from Sinica! This week, I speak with Paul Triolo, Senior Vice President for China and Technology Policy Lead at DGA Albright Stonebridge Group and nonresident honorary senior fellow on technology at the Asia Society Policy Institute's Center for China Analysis. On December 8th, Donald Trump announced via Truth Social that he would approve Nvidia H200 sales to vetted Chinese customers — a decision that immediately sparked fierce debate. Paul and I unpack why this decision was made, why it's provoked such strong reactions, and what it tells us about the future of technology export controls on China. We discuss the evolution of U.S. chip controls from the Entity List expansions under Trump's first term through the October 2022 rules and the Sullivan Doctrine, the role of David Sacks and Jensen Huang in advocating for this policy shift, whether Chinese firms will actually want to buy H200s given their heterogeneous hardware stacks and Beijing's autarky ambitions, what the Reuters report about China cracking ASML's EUV lithography code tells us about the choke point strategy, and whether selective engagement actually strengthens Taiwan's Silicon Shield or undermines it. This conversation is essential listening for understanding the strategic, technical, and political dimensions of the semiconductor competition.6:44 – What the H200 decision actually changes in the real world 9:23 – The evolution of U.S. chip controls: from Entity Lists to the Sullivan Doctrine 18:28 – How Jensen Huang and David Sacks convinced Trump 25:21 – The good-faith case for why export control advocates see H200 approval as a strategic mistake 32:12 – What H200s practically enable: training, inference, or stabilizing existing clusters 38:49 – Will Chinese companies actually buy H200s? The heterogeneous hardware reality 46:06 – The strategic contradiction: exporting 5nm GPUs while freezing tool controls at 16/14nm 51:01 – The Reuters EUV report and what it reveals about choke point technologies 58:43 – How Taiwan fits into this: does selective engagement strengthen the Silicon Shield? 1:07:26 – Looking ahead: broader rethinking of export controls or patchwork exceptions? 1:12:49 – What would have to be true in 2-3 years for critics to have been right about H200?Paying it forward: Poe Zhao and his Substack Hello China TechRecommendations: Paul: Zbig: The Life of Zbigniew Brzezinski, Amerca's Great Power Propheti by Ed Luce; Hyperdimensional Substack by Dean Ball Kaiser: Everything Is Tuberculosis by John Green; The Anthropocene Reviewed by John Green; So Very Small by Thomas LevensonSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In this episode we tackle more of your questions, starting with a look into Roth strategy, including how TSP Roth in-plan conversions work and what to consider when converting a traditional IRA to a Roth IRA and paying the resulting tax bill. We then briefly hear from our friends at Fox CPAs. From there we shift to 529 plans and explore how to use them effectively, what to do if they become overfunded, and whether having too much in a 529 is really a problem at all. Today's episode is brought to us by SoFi, the folks who help you get your money right. Paying off student debt quickly and getting your finances back on track isn't easy, but that's where SoFi can help — they have exclusive, low rates designed to help medical residents refinance student loans—and that could end up saving you thousands of dollars, helping you get out of student debt sooner. SoFi also offers the ability to lower your payments to just $100 a month* while you're still in residency. And if you're already out of residency, SoFi's got you covered there too. For more information, go to https://www.whitecoatinvestor.com/Sofi SoFi Student Loans are originated by SoFi Bank, N.A. Member FDIC. Additional terms and conditions apply. NMLS 696891. The White Coat Investor has been helping doctors, dentists, and other high-income professionals with their money since 2011. Our free personal finance resource covers an array of topics including how to use your retirement accounts, getting a doctor mortgage loan, how to manage your student loans, buying physician disability and malpractice insurance, asset allocation & asset location, how to invest in real estate, and so much more. We will help you learn how to manage your finances like a pro so you can stop worrying about money and start living your best life. If you're a high-income professional and ready to get a "fair shake" on Wall Street, The White Coat Investor is for you! Find 1000's of written articles on the blog: https://www.whitecoatinvestor.com  Our YouTube channel if you prefer watching videos to learn: https://www.whitecoatinvestor.com/youtube  Student Loan Advice for all your student loan needs: https://studentloanadvice.com  Join the community on Facebook: https://www.facebook.com/thewhitecoatinvestor  Join the community on Twitter: https://twitter.com/WCInvestor  Join the community on Instagram: https://www.instagram.com/thewhitecoatinvestor  Join the community on Reddit: https://www.reddit.com/r/whitecoatinvestor  Learn faster with our Online Courses: https://whitecoatinvestor.teachable.com  Sign up for our Newsletter here: https://www.whitecoatinvestor.com/free-monthly-newsletter  00:00 WCI Podcast #451 01:34 When to Take Your Social Security 09:55 Student Loan Update 22:43 TSP Roth Conversions 27:22 Large Roth Conversions 31:00 Fox & Company CPAs Interview 42:51 Overfunded 529 Accounts 53:45 529 & HSA Reimbursement Timing

Listener Q&A where Andy talks about: Potential advantages or disadvantages of consolidating retirement accounts ( 4:28 )Paying taxes through IRA withholdings vs making estimated payments ( 13:08 )Whether a minister's housing allowance impacts Affordable Care Act subsidy eligibility ( 26:11 )When Qualified Longevity Annuity Contracts ("QLACs") might make sense to consider ( 30:27 )When following the 4% "rule" for distributions, can you reset your initial distribution if/when your portfolio value increases from market gains ( 37:48 )If someone has an outdated will and unused trust, but the person verbally stated their wishes to the heirs, is there a need to update will and/or trust, especially if there is currently nothing in the trust ( 49:19 )To send Andy questions to be addressed on future Q&A episodes, email andy@andypanko.comLinks in this episode:Tenon Financial August 2024 newsletter about - Retirement plan-to-IRA rollover pros and consRetirement Planning Education YouTube video - What is a QLAC (Qualified Longevity Annuity Contract)?Retirement Planning Education podcast episode - #002 - What's the 4% RuleMy company newsletter - Retirement Planning InsightsFacebook group - Retirement Planning Education (formerly Taxes in Retirement)YouTube channel - Retirement Planning Education (formerly Retirement Planning Demystified)Retirement Planning Education website - www.RetirementPlanningEducation.com

Episode 609 If you want help getting clear on your numbers, your income, and a smarter path to long term freedom, schedule a free strategy call at LoanOfficerStrategyCall.com. Welcome to Loan Officer Freedom, the #1 podcast in the country for loan officers, hosted by Carl White. In this episode, Carl sits down with Adam Crosley, a regional manager with Crown Home Mortgage, for a candid conversation about money, investing, and what it really means to make work optional. The discussion kicks off with Adam sharing how he saved over $8,400 in a single month by consistently paying himself 25% first, and why that habit alone puts him ahead of the vast majority of Americans. Carl and Adam dive deep into real numbers around real estate investing versus the stock market, pulling from decades of firsthand experience. Carl openly shares lessons learned from single family rentals, negative cash flow, and underestimated maintenance, while comparing those results to long term investing in the S&P 500 and precious metals. The conversation strips away theory and focuses on what actually builds wealth with fewer distractions and less stress. They also explore multi unit real estate, leverage, tax strategies, liquidity, and why most investors underestimate the true cost of time and opportunity. Throughout the episode, the message stays clear and practical: save consistently, know your numbers, and keep your focus on the activities that produce the highest return. If you want a real world conversation about building long term wealth while staying focused on your mortgage business and your family, this episode will challenge how you think about money, investing, and freedom.