Podcasts about paying

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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.

College football has changed dramatically in recent years between the transfer portal, NIL, and revenue sharing. What could 2026 hold for the sport? We talk with Matt Brown, publisher of the Extra Points newsletter.

I asked Photoshop to create an image of Artificial Intelligence eating the Earth. It gave me R2-D2 with spindly legs holding a globe. Well-done. This episode is about when I was researching New Year's Eve celebrations in San Francisco in the 1930s and 1940s. Google Gemini made up a store I spent hours researching trying to find a primary source, like a newspaper article. I pressed Gemini for attribution and it gave me fake links. It even gave me an actual picture and lied about what was going on in the picture. AI is bullshit.

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

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/

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.

It's time to end the tax on local commerce!

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

Ep 208: The Art of Paying The Least Amount of Taxes “Legally” with the Tax Goddess

Episode 068 - Time for Attention Influence Every Day Show with Dr. Ed Tori We often hear that time is our scarcest non-renewable resource. This episode challenges that assumption. While time is finite, it is not the true constraint shaping our lives, our relationships, or our outcomes. The real limiting factor is attention. Attention is more scarce than time, more fragile than time, and far more powerful in determining how time is experienced and used. Attention is not just about where it goes. It includes how long it stays, how deeply it is applied, the intent behind it, and even when it is deployed. Attention can be placed in the present, replayed in the past, or projected into a future that may or may not arrive. Because attention is a subset of time, it is what gives time its quality. Two people can spend the same hour and walk away with entirely different results based on how their attention was used. This episode invites reflection without judgment. Where is your attention going when you are with other people? How often does it drift to devices, feeds, background noise, or idle distractions? How long do you stay with a task or a conversation before fragmenting? How present are you while you are there? What is your purpose for placing attention where you do? Paying Attention vs Investing Attention A key distinction explored here is the difference between paying attention and investing attention. Paying attention is often transactional, reactive, short term, and consumptive. It frequently leaves us feeling drained, fragmented, or wondering where the time went. Investing attention is deliberate, chosen, deeper, and oriented toward return. It is how relationships grow, conversations change lives, skills compound, and meaning accumulates over time. When attention is invested rather than paid, it tends to energize rather than exhaust. It feels coherent rather than scattered. It flows rather than fragments. Investing attention shapes who we become because it reinforces patterns of presence, care, service, and growth. This is why attention is never neutral. Where attention goes, energy flows, and that thing grows. The episode reframes productivity away from time management and toward attentional stewardship. Managing attention well leads to better use of time, better management of energy, and more intentional action. Especially during moments of change, renewal, or reflection such as a new year, an anniversary, or a personal turning point, the question is not how to manage time better. The question is how to be more deliberate with attention. The central takeaway is simple and demanding: Time is not your scarcest non-renewable resource. Attention is. Be deliberate. Be intentional. Where you place your attention will shape the quality of your life, your relationships, your growth, your service, and your legacy. -- [ ***** What if you could pivot someone's entire life in a single conversation. You can. Here's an incredibly useful framework for doing just that: HypnoticGiftsBook.com ***** ][ ***** PS - Dr. Tori offers an influence immersion where he can help you 1-on-1 to level-up your influence and communication. Apply here: https://www.drtori.com/coaching-application-1on1 ***** ]

In this end-of-year episode, Jay and Andrew unpack all kinds of things:Why business owners are wired to over-promise at the buzzerThe difference between employee thinking and owner thinkingCalendars, automation, and why “the best calendar is sometimes no calendar”Paying people well, shutting down between Christmas and New Year's, and using PTO wiselyNet terms, cash flow, and refusing to be a bank for bigger companiesWhy some founders need to sign checks or take tech support calls to stay groundedThe danger of over-optimizing leadership—and losing the human sideTracking improvement with marbles instead of spreadsheets

We discuss two very sad yet important contemporary ideas about how enormous companies like Apple, Google, Meta, and Amazon rule over us today. The first is Technofeudalism, a word coined by Yanis Varifoukas, which argues that capitalism has been replaced by a landscape of digital fiefdoms. The second is Enshittification, a word coined by Cory Doctorow, which explains why the apps we can never get enough of (Instagram, X, Amazon, and Facebook) continue to deteriorate while their parent companies make more and more money. Sagi insists throughout that whether or not we have transitioned from capitalism to a digital fiefdom, a Protestant ideology, one of labor and manifest destiny, continues to function and serve the hearts of all our beloved CEOs. Jack offers us an important history of the creation of Silicon Valley, tying a certain entrepreneurial optimism to a strange conflation of academia and the industrial military complex.Andy reads technofeudalism as a kind of vampiric disease, where everyone is either becoming their own Dracula, holed up in their castle, or the rats and peons that will soon be devoured.Jake gives as many examples as he can from Doctorow's book Enshittification, which he highly recommends.

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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

Debt is at record highs, yet insolvencies are flat. Why? In this episode of Debt Free in 30, Licensed Insolvency Trustees Doug Hoyes and Ted Michalos explain a financial paradox that's leaving millions of Canadians stressed, exhausted, and confused. The answer isn't that people are okay. It's that people are enduring. If you're paying your bills but still feel like you're drowning, this episode is for you. Coming Up Next Next episode: a special double episode with David Chilton (The Wealthy Barber) — a practical conversation about money, debt, and what Canadians are really facing heading into 2026.  2025 Predictions Show Office of the Superintendent of Bankruptcy, Insolvency Statistics Statistics Canada, Household debt levels (including credit cards) Statistics Canada, CPI (Inflation) Mortgage Rates, Bank of Canada Hoyes Michalos Homeowners Bankruptcy Index TransUnion, Canadian Consumer Debt Continues to Grow Despite Macroeconomic Relief Hoyes Michalos Credit Repair Strategies and Rebuilding Course Sign Up for the Monthly Debt Free Digest Hoyes Michalos YouTube Channel Learn About Debt Relief Options in Ontario In This Episode, You'll Learn: · Why people don't file when debt rises — they file when cash flow breaks · How inflation pushed credit card balances higher without immediate defaults · Why paying the minimum isn't a solution — it's a delay · How balance transfers and mortgage equity are masking financial stress · Why insolvencies tend to stay flat, then jump · What would trigger a surge in personal insolvencies · Our 2026 insolvency predictions for Ontario · Why relief isn't failure — and how getting advice early preserves options (00:00) You're Not Failing — You're Enduring (02:30) Debt Is Exploding, So Why Aren't Bankruptcies Rising? (05:20) People Don't File When Debt Rises — They File When Cash Flow Breaks (08:10) Why Credit Card Debt Is Rising Without Defaults (11:00) Paying the Minimum Is Buying Time — Not Solving the Problem (14:00) Who's Carrying the Debt Now (And Why That Matters) (17:10) Why Inflation Changed How Insolvencies Work (20:20) The Hidden Delay: Interest Rates Haven't Fully Hit Yet (23:40) Mortgage Equity Is Masking Financial Stress (27:00) Why Insolvencies Don't Rise Gradually — They Snap (30:00) Why Convexity Shows Up Later (32:40) The Paperclip Effect: Endurance vs. Breaking (34:10) What Would Trigger a Surge in Insolvencies? (35:30) Our 2026 Insolvency Predictions (38:00) Relief Isn't Failure — It's a Reset Disclaimer: The information provided in the Debt Free in 30 Podcast is for entertainment and informational purposes only and is not intended as personal financial advice. Individual financial situations vary and may require personal guidance from a financial professional. The views expressed in this episode do not necessarily reflect the opinions of Hoyes, Michalos & Associates, or any other affiliated organizations. We do not endorse or guarantee the effectiveness of any specific financial institutions, strategies, or digital tools/apps discussed.

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.

Teachers who collect a pension, Social Security, and draw income from a non-Roth retirement account may face an additional Medicare tax. Lucretia Ryan of Financial Freedom for Women breaks it all down. Why Am I Paying an Additional Medicare Tax? Financial Freedom for Women More Dirty Little Secrets of Medicare "Advantage" (YouTube) Dirty Little Secrets of Medicare "Advantage" Learned by Being Burned (short pod series about K-12 403(b) issues) 403bwise.org Meridian Wealth Management Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®).

He was CRUSHED TO DEATH while paying at McDonalds!

Harish Bhat spent 38 years with the Tata Group, working across businesses that reach millions of Indians every day, including Titan, Tanishq, and Tata Tea.He joins Neon Show for a 3rd time and reflects on what it meant to build inside a 150+ year-old institution. The conversation begins in 1991, the year Ratan Tata took over as Chairman, a role he would hold for 21 years. Harish explains how Ratan Tata prepared Tata Sons at a time when the Indian economy was opening up and competition was changing rapidly.We discuss landmark moments in the group's history, including the Tetley acquisition in 2000, the first time an Indian company acquired a major global consumer brand. Harish shares how this decision transformed not only the Tata Group's mindset but also the way ambitious Indian businesses think about their potential.Harish speaks about Ratan Tata not as a distant icon, but as a leader he worked closely with. He shares stories of how decisions were made, how conflicts were handled, and why dignity, compassion, and keeping one's word were always non-negotiable for Ratan Tata.The conversation also draws from his book Doing the Right Thing, where he transfers these experiences into practical lessons on leadership shaped over decades.https://www.amazon.in/Doing-Right-Thing-Bestselling-Tatastories/dp/014347985700:00 — Trailer01:07 — Paying tribute to Mr. Ratan Tata05:53 — The Tata family legacy06:53 — Early childhood and education of Ratan Tata07:48 — The decision to return to India08:44 — How Ratan Tata prepared the Group for a liberalised economy14:35 — How Tata Sons became a global business16:45 — The $450 million Tetley acquisition20:08 — Tata Group's acquisition of Global Brands23:33 — A visionary leader who chose to remain deeply private25:04 — How Ratan Tata dealt with Conflict28:58 — Dignity above all31:29 — The only concern on renovation of Bombay House34:41 — How the Tata Group gives back to Mumbai39:44 — Four lessons from Ratan Tata's Life42:50 — The deeper purpose that drives the Tata Group44:45 — Emotional gestures that speak to people's hearts48:45 — Ratan Tata as a philanthropist51:26 — A life guided by the principle: “Do the right thing”53:06 — The story behind the book-------------India's talent has built the world's tech—now it's time to lead it.This mission goes beyond startups. It's about shifting the center of gravity in global tech to include the brilliance rising from India.What is Neon Fund?We invest in seed and early-stage founders from India and the diaspora building world-class Enterprise AI companies. We bring capital, conviction, and a community that's done it before.Subscribe for real founder stories, investor perspectives, economist breakdowns, and a behind-the-scenes look at how we're doing it all at Neon.-------------Check us out on:Website: https://neon.fund/Instagram: https://www.instagram.com/theneonshoww/LinkedIn: https://www.linkedin.com/company/beneon/Twitter: https://x.com/TheNeonShowwConnect with Siddhartha on:LinkedIn: https://www.linkedin.com/in/siddharthaahluwalia/Twitter: https://x.com/siddharthaa7-------------This video is for informational purposes only. The views expressed are those of the individuals quoted and do not constitute professional advice.Send us a text

What if the biggest thing slowing your podcast down is where you are spending your money?In this episode, I call out the spending habits that quietly stall podcast growth and create false confidence. I share what actually moves the needle, what looks impressive but delivers nothing, and how I learned these lessons the hard way. This episode is for podcasters who want real traction, not vanity wins, and who are ready to grow their podcast with intention instead of chasing shortcuts.Stop paying for progress that never shows up.Learn more about:A free 30-minute call with Kevin: https://calendly.com/kevinpalmieri/free-30-minute-podcast-breakthrough-session-with-kevin?month=2025-08Podcast Growth Nation - https://www.facebook.com/share/g/1FyLeJB5H5/If you want to learn more about podcasts, reach out to Kevin:IG: https://www.instagram.com/neverquitkid/Email: Kevin@nextleveluniverse.comNeed help with your podcast? Check out Next Level Podcast Solutions: https://www.nextleveluniverse.com/next-level-podcast-solutions/

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.

Law Firm Owners! Paying Another Attorney Isn't Fee Splitting. If you want more profit in your law firm with less chaos, grab my Law Firm Profit Playbook - https://bigbirdaccounting.com/playbook.

016. Paying Yourself Isn't a Bonus. It's the Whole Damn Reason This episode is a loving but firm reality check for anyone whose business only works when they are constantly pushing, launching, and holding their breath between Stripe notifications. If your income disappears the moment you slow down, that is not freedom. That is fragility. In this conversation, Lisa breaks down why stability is one of the most underrated and misunderstood business goals, especially for creative entrepreneurs who were taught that growth always has to come before rest. She talks honestly about what it feels like to run a business that looks impressive on the outside while quietly draining the person holding it together. This episode reframes paying yourself as what it actually is: not a reward, not a bonus, and not something you earn after suffering long enough, but a non negotiable operating expense. A business that cannot pay its owner is not successful. It is expensive. Lisa walks through why inconsistent owner pay is usually not a discipline issue, but a clarity issue rooted in messy books, unpredictable income, fear around taxes, and not knowing what is actually safe to take. She explains why waiting for stability does not create stability, and how systems are what carry you when motivation disappears and real life hits hard. You will walk away with a clearer understanding of what stability really looks like, why calm bank app energy matters more than flashy months, and how building a business that supports your life starts with clean numbers and consistent owner pay. This episode is for the business owner who wants to feel safe, supported, and paid, even when life gets messy. LINKS MENTIONED IN THIS EPISODE: Book a Discovery Call Full Show Notes CONNECT WITH LISA: Work with me: simplybooked.llc Instagram: @simplybookedbylisa Email: lisa@simplybooked.llc

On today’s episode, Jason discusses the suddenly wide open path to the Super Bowl for the San Francisco 49ers, why the arrival of a surprisingly unwashed Philip Rivers wasn't enough to save the Indianapolis Colts from a second half free fall, why this particular NFL season should serve as a friendly reminder that paying your quarterback top dollar is risky business, and his early leans for the upcoming NFL Week 17 slate. #FSR Follow Jason on Twitter and Instagram. Click here to subscribe, rate and review all of the latest Straight Fire with Jason McIntyre podcasts!See omnystudio.com/listener for privacy information.

Christmas comes early for President Trump and his extraordinary wins with his policies. The U.S. economy surged in quarter 3 of 2025. Gross domestic product grew at a 4.3%, much stronger than the 3.2% predicted by economists. With gas prices continuing to drop and Christmas and New Year's travel at a record high, the economy seems to be full steam ahead. As more Epstein files are released, the more Bill Clinton comes under scrutiny. Unsavory photos of "tubba bubba" in a hot tub and multiple pictures of Bill and Jeffrey together, Bill Clinton can't escape the Epstein scandal. With the released 30,000 documents, only untrue and sensationalist claims can be made against President Trump. A custodian at Brown University warned staff members about the shooter three times about his suspicious behavior but staff members were more concerned about Palestinian events on campus. This tragedy could have been avoided and saved the lives of Ella Cook and Mukhammad Aziz Umurzokov. Rand Paul's festivus report revealed more atrocious ways our government spends money, like $5 million to give dogs cocaine and over $1 million to teach teenage ferrets to binge-drink alcohol. Our panel shares their favorite holiday traditions, plus the winners and losers of the week and the year! Featuring: Erika Donalds Chair of Education Opportunity | AFPI https://x.com/ErikaDonalds Rob Bluey Executive Editor & President | The Daily Signal https://www.dailysignal.com/ Katie Zacharia Attorney, Legal & Political Strategist https://x.com/KatieZacharia Today's show is sponsored by: Delta Rescue Delta Rescue is one the largest no-kill animal sanctuaries. Leo Grillo is on a mission to help all abandoned, malnourished, hurt or suffering animals. He relies solely on contributions from people like you and me. If you want to help Leo to continue his mission of running one of the best care-for-life animal sanctuaries in the country please visit Delta Rescue at: https://deltarescue.org/ Beam Do you want to wake up in the middle of the night and scare Santa away and ruin Christmas? Of course you don't, you want to wake up refreshed, inspired and ready to take on Christmas day or any day! You need Beam's Dream powder. This best-selling blend of Reishi, Magnesium, L-Theanine, Apigenin and Melatonin will help you fall asleep, stay asleep, and wake up refreshed. So if you're ready for the best night of sleep you ever had just head to https://shopbeam.com/SPICER to receive 40% off your order. ------------------------------------------------------------- 1️⃣ Subscribe and ring the bell for new videos: https://youtube.com/seanmspicer?sub_confirmation=1 2️⃣ Become a part of The Sean Spicer Show community: https://www.seanspicer.com/ 3️⃣ Listen to the full audio show on all platforms: Apple Podcasts: https://podcasts.apple.com/us/podcast/the-sean-spicer-show/id1701280578 Spotify: https://open.spotify.com/show/32od2cKHBAjhMBd9XntcUd iHeart: https://www.iheart.com/podcast/269-the-sean-spicer-show-120471641/ 4️⃣ Stay in touch with Sean on social media: Facebook: https://facebook.com/seanmspicer Twitter: https://twitter.com/seanspicer Instagram: https://instagram.com/seanmspicer/ 5️⃣ Follow The Sean Spicer Show on social media: Facebook: https://facebook.com/seanspicershow Twitter: https://twitter.com/seanspicershow Instagram: https://instagram.com/seanspicershow Learn more about your ad choices. Visit megaphone.fm/adchoices

69 [12.23] Kitzur Yomi 34:5-13 [Priority in Tzedakah. Never Say No. Paying Pledges Right Away]

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Episode 613 is brought to you by:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Chase Bliss⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Stringjoy⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Use code: HUM to save 10%⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Reverb⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Support this channel on Patreon⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Want to send us mail?60 Cycle Hum9450 Mira Mesa Blvd #615San Diego, CA 92126⁠⁠Did you watch the Paul/Joshua fight? 00:00 Intro01:01 Is Vintage Verified the way of the future for the vintage guitar market? 40:21 POWER GIG51:00 Thanks Patreon!51:50 Steve finally got his Progress Pedals DAD250+ CHECK OUT Scaling Pedals on IG56:14 Buzz Bo1:03:00 Collectible and Playable1:10:27 This song was sent by Ben Novak and is called "Purple Delorean"*⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠60CH on Patreon⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Buy a Shirt⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Sweetwater⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠zZounds⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Thomann⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Amazon⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Perfect Circuit⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ebay⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Reverb⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Tour Gear Designs Patch Cables⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠+⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Facebook⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Discord⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram @60cyclehum⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠TikTok⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Hire us for Demos and other marketing opportunities ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠#60cyclehum #guitar #guitars

A Note from James:One of my favorite conversations on this show was with Peter Thiel. Yes—PayPal, Facebook, Palantir, and a dozen other hits. I first ran this episode years ago, and the advice still holds up. The same stories, the same frameworks—and the same challenge to think from first principles. Here's Peter Thiel, one of the most influential entrepreneurs of our time. Episode Description:In this redux, James pressure-tests the core ideas from Peter Thiel's Zero to One—why competition is for losers, how real monopolies are built, and why starting “narrow” is often the only path to something huge. They cover Facebook's early moat (real identity), PayPal's network-effect wedge on eBay, and the “10x or nothing” bar for proprietary technology. Peter shares a contrarian read on bubbles, why biotech's slump may be opportunity, and how to hire, divide roles, and keep teams from fighting. The through-line: seek secrets, combine disciplines, and make something so different that it becomes its own category. What You'll Learn:How to pick markets the Zero to One way: start with a “small, winnable monopoly,” then expand in concentric circles. The four classic moats—and which to favor first: proprietary tech, network effects, economies of scale, and brand (with a bias toward real tech). A practical rule for virality vs. network effects: growth is a tactic; enduring value comes from the network that forms once users arrive. Team design that prevents internal warfare: make roles uniquely owned; if two people own the same thing, you're paying for a fight. How to hunt “secrets”: believe they exist, look where consensus is stale, and borrow from adjacent fields to see what specialists miss. Timestamped Chapters:[02:00] A Note from James — Why this conversation still ranks among the best. [03:00] Zero to One, in one line — “Do something new, different, fresh, strange.” [05:17] Competition vs. Capitalism — Why perfect competition kills profits; aim for uniqueness. [07:28] Facebook's original edge — Real identity as the breakthrough vs. MySpace's alt-persona culture. [09:14] Bits vs. Atoms — Stagnation outside software and how biology could become an information science. [12:05] Personality and perseverance — Why mild contrarian wiring helps founders ignore status games. [15:21] “10x or nothing” — The technology and/or experience must be an order of magnitude better. [17:00] Monopoly thinking, ethically done — Create abundance by creating something truly new. [23:30] The PayPal pre-history — Why long-running trust among teammates births more companies. [30:10] Early Facebook investment logic — College-only looked “small,” which was exactly the point. [32:03] Turning down $1B — The boardroom debate, optionality, and founder conviction. [36:23] Moats in practice — Picking the right advantage (and why brand alone is shaky). [37:06] Network effects ≠ virality — How value compounds after growth. [39:54] PayPal's wedge — eBay power-sellers and the $10 incentive as a growth accelerant. [41:22] Beware the “Chinese refrigerator” TAM slide — Start small, win big. [42:01] Uber vs. Airbnb — Investor bias and why some models get over- or undervalued. [44:18] Bubbles and the public — What changes across tech, housing, and today's “government bubble.” [48:00] War on cash & credit — Why Peter favors unlevered, opaque innovation over fixed income. [51:10] Biotech headwinds (and upside) — Regulation, Eroom's Law, and why sentiment can misprice breakthroughs. [53:50] Secrets — If you assume they exist, you'll be the one to find them. [57:56] Interdisciplinary bets — CS × biology; CS × transportation; why university silos miss the action. [59:51] Silicon Valley on HBO — The “Peter Gregory” caricature and what the show gets right. Additional Resources:Zero to One: Notes on Startups, or How to Build the Future (book) — Amazon hardcover. AmazonFounders Fund — Peter Thiel profile (bio & portfolio highlights). Founders Fund“PayPal Mafia” overview (alumni companies: YouTube, Yelp, LinkedIn, Tesla, SpaceX, Palantir, Yammer). WikipediaYahoo's 2006 $1B offer for Facebook (background reporting). Business InsiderEroom's Law (pharma R&D productivity; Nature Reviews Drug Discovery). NatureSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

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How do you stick to a budget in retirement without feeling restricted, anxious, or deprived, especially when the cost of living keeps rising? This week on Your Money Map, Jean Chatzky is joined by Tiffany Aliche, better known as The Budgetnista, to talk about what budgeting and financial security really look like in retirement today, and why the old rules don't always apply anymore. Why budgeting alone isn't always enough, and what does help How to think about spending in retirement without feeling deprived The case for lowering overhead before you stop working Paying off a mortgage vs. keeping a low-interest loan Hidden programs and benefits that activate later in life Tiffany's top three tips for anyone approaching retirement

Today we're thrilled to welcome back our friend and financial expert Bill Bernstein for a thoughtful conversation about what it really means to "stop playing when you win the game." We dig into the idea of "enough," how to know when you've reached it, and what changes—financially and emotionally—once you have. This episode offers a candid look at life after reaching your goals and how to invest, plan, and live with greater intention once the game is won. 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 #450 02:52 Bill Bernstein Interview 04:20 When you Win the Game, Stop Playing 32:30 Small Value Tilting 35:32 Once You Have "Enough" 41:00 100% Equities?