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Tesla has set a new quarterly record for deliveries as the federal EV tax credit sunsets. I'll walk you through the numbers and what analysis we can take away from it. Plus: the new Model Y Performance debuts in North America with an unexpected bonus, new details on the more-affordable Model Y Standard leak from Tesla's own website, and more! If you enjoy the podcast and would like to support my efforts, please check out my Patreon at https://www.patreon.com/teslapodcast and consider a monthly or (10% discounted!) annual pledge. Every little bit helps and there are stacking bonuses in it for you at each pledge level, like early access to each episode at the $5 tier and the weekly Lightning Round bonus mini-episode (AND the early access!) at the $10 tier! And NO ADS at every Patreon tier! Also, don't forget to leave a message on the Ride the Lightning hotline anytime with a question, comment, or discussion topic for next week's show! The toll-free number to call is 1-888-989-8752. INTERESTED IN A FLEXIBLE EXTENDED WARRANTY FOR YOUR TESLA? Be a part of the future of transportation with XCare, the first extended warranty designed & built exclusively for EV owners, by EV owners. Use the code Lightning to get $100 off their “One-time Payment” option! Go to www.xcelerateauto.com/xcare to find the extended warranty policy that's right for you and your Tesla. P.S. Get 15% off your first order of awesome aftermarket Tesla accessories at AbstractOcean.com by using the code RTLpodcast at checkout. Grab the SnapPlate front license plate bracket for any Tesla at https://everyamp.com/RTL/ (don't forget the coupon code RTL too!). BONUS: If you're in or going to be in the greater San Francisco Bay Area, bring your car to be professionally detailed at Immaculate Reflections! They're offering a Summer special: $200 off of any paint correction service, $500 off of any ceramic coating package, and 15% off of any PPF package. Check out his website at irdetailing.com
In this episode Mary shares the 10 secrets to become mentally unbreakable on your food sobriety journey.Grab your copy of my FREE 9 page Beginner's Guide to Food Sobriety https://www.foodfreedomwithmary.com/foodsobrietyguideNEW Free Food Sobriety Mini Course - https://www.foodfreedomwithmary.com/minicoursefoodsobrietyFacebook group: https://www.facebook.com/groups/4915319108493196/?ref=share_group_linkDo you need private coaching and intensive daily contact with a coach? Fill out my application so we can chat about whether or not my program is for you and which option is best for you. Payment plans available. Don't see a payment option that works for your pay schedule? Let's chat about a custom pay plan.www.foodfreedomwithmary.com/chooseyourpath Application: https://docs.google.com/forms/d/1upnWHYK0RXfmyRTqlsF_R06z3NA8LZYHIMWFykq7-X4/viewformJoin my Food Freedom Tribe! An online community of support, eduction, inspiration, accountability….. Learn more here: https://www.foodfreedomwithmary.com/tribemembership Instagram: www.instagram.com/ketomary71 Facebook: www.Facebook.com/ketomary71 YouTube: https://youtube.com/@ketomary7114Website: www.foodfreedomwithmary.com Join the email list.Email: mary@foodfreedomwithmary.com Want to learn more about me and my coaching programs? Watch my program video: www.foodfreedomwithmary.com/programvideoOnline Course: https://www.foodfreedomwithmary.com/foodfreedomcourse
Joe's Premium Subscription: www.standardgrain.comGrain Markets and Other Stuff Links-Apple PodcastsSpotifyTikTokYouTubeFutures and options trading involves risk of loss and is not suitable for everyone.0:00 Brian's 'Stache0:40 Another Farm Bailout7:35 Argentina Update9:36 Corteva Split11:34 Soybean/Corn Rally15:54 Yield Estimates17:17 Drought Update
Financial blunders aren't new. Consider this: the web portal Excite once passed on buying Google for just $750,000. Today, Google's parent company is worth over $2 trillion. That, my friends, is a legendary missed opportunity.Most of us won't miss out on trillions, but we've all made financial mistakes. The good news is that God's Word offers wisdom for recovery and direction when we stumble.Learning from FailureScripture reminds us that falling isn't the end for those who walk with God:“For the righteous falls seven times and rises again” (Proverbs 24:16).“For you, O Lord, are good and forgiving, abounding in steadfast love to all who call upon you” (Psalm 86:5).“If any of you lacks wisdom, let him ask of God … and it will be given him” (James 1:5).Failure can be a stepping stone when we let God guide us forward. With that encouragement, here are 10 financial mistakes to avoid—and biblical wisdom to help you course-correct.1. Borrowing from Your 401(k)It feels like “borrowing from yourself,” but it often masks overspending or debt. While repaying, you may miss out on employer matches and the compounding growth that comes with them. Worse, leaving your job could trigger taxes and penalties.2. Claiming Social Security Too EarlyStarting at 62, benefits are reduced by up to 30%—for life. If possible, wait until full retirement age (or beyond) for a larger monthly check that lasts as long as you do.3. Only Paying the Minimum on Credit CardsA $5,000 balance at 20% interest can take nearly a decade to pay off with minimum payments, costing more than $8,000 in interest. Pay extra and utilize debt payoff strategies, such as the snowball or avalanche method.4. Delaying Retirement SavingsCompound interest rewards the early saver. Even small contributions in your 20s can grow into a significant nest egg. Don't panic if you're starting late—just start now.5. Overextending Yourself for Your KidsHelping with college, weddings, or down payments shouldn't jeopardize your own financial stability. Generosity is good, but if you sacrifice retirement now, you may depend on your kids later.6. Going It Alone Without Wise CounselMany sell low during downturns because they lack guidance. Proverbs 15:22 says, “Without counsel plans fail, but with many advisers they succeed.” Seek out wise, faith-based financial advice.7. Co-Signing a LoanScripture warns: “One who lacks sense gives a pledge and puts up security in the presence of his neighbor” (Proverbs 17:18). About 40% of co-signers end up paying the loan themselves. Be wise in your generosity.8. Quitting School Too SoonEducation—whether a four-year degree, trade school, or certification—equips you with marketable skills. Think of it as an investment in your future, not just a cost.9. Buying a TimeshareTimeshares are marketed as affordable luxury, but often come with steep fees, little flexibility, and low resale value. They're rarely the “investment” they claim to be.10. Falling for ScamsScammers prey on fear, urgency, and greed. Whether through fake calls, emails, or investment pitches, their goal is always the same—to separate you from your money. Be vigilant and discerning.Walking Forward in FreedomJesus warned His disciples: “I am sending you out as sheep in the midst of wolves, so be wise as serpents and innocent as doves” (Matthew 10:16).Wise stewardship isn't about never failing—it's about learning, leaning on God's wisdom, and moving forward faithfully. With His help, you can recover from mistakes and grow into a more faithful steward of His resources.———————————————————————————————————————At FaithFi, we believe money is a tool to advance God's Kingdom. When you partner with us, you help more people discover the freedom of biblical stewardship and the joy of seeing God as their ultimate treasure.Become a FaithFi Partner today with your gift of $35/month or $400/year, and you'll receive:Early access to devotionals and studiesOur quarterly Faithful Steward magazineThe Pro version of the FaithFi appTogether, we can live as wise stewards and help others do the same.On Today's Program, Rob Answers Listener Questions:I have a 401(k) from a former employer, and I'm thinking of rolling it into a traditional IRA. Is that wise? And can I withdraw some cash during the transfer without incurring a penalty?I purchased a house in 2019 and now require a loan of $20,000–$30,000 to address basement flooding. What's the best loan option?I'm almost 80 and want to close several credit card accounts. How much would that hurt my credit score?I hold CDs jointly with my sister, but we're worried she could be liable if I get sued. Should I change the ownership before they mature?I'm considering joining Christian Community Credit Union, but I noticed that it isn't FDIC insured. Should that be a concern?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Christian Community Credit Union (CCCU)Wisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.
Investor Fuel Real Estate Investing Mastermind - Audio Version
In this conversation, Norman DeSilva shares his unconventional journey from being an NBA scout to founding Listed, a real estate company focused on innovative financing solutions. He discusses the challenges and opportunities in the real estate market, particularly in rethinking home ownership and equity financing. Norman emphasizes the importance of building a track record with initial investors and the potential for significant growth in the industry. He also provides insights on how interested parties can connect with Listed for collaboration and investment opportunities. Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind: Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply Investor Machine Marketing Partnership: Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true ‘white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com Coaching with Mike Hambright: Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a “mini-mastermind” with Mike and his private clients on an upcoming “Retreat”, either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas “Big H Ranch”? Learn more here: http://www.investorfuel.com/retreat Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform! Register here: https://myinvestorinsurance.com/ New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club —--------------------
The Automotive Troublemaker w/ Paul J Daly and Kyle Mountsier
Shoot us a Text.Episode #1162: Tesla posts a surprise Q3 sales record, $1,000 car payments are becoming the new normal, Meta plans to use AI chats to make ad targeting more personal than ever.Show Notes with links:Tesla delivered a surprise Q3 record after a rocky first half of the year, beating Wall Street expectations with nearly half a million EVs sold. But with the federal EV tax credit now gone, the question is whether momentum can carry into Q4 and beyond.Tesla delivered 497,099 vehicles, topping estimates of 456,000 and reversing two quarters of declines.Model 3 and Y deliveries rose 9%, while other models dropped 30%.Tesla's energy business hit a record, nearly doubling storage deployments to 12.5 GWh.Rivian also posted a 32% bump, delivering 13,201 EVs in Q3.What used to be unthinkable is now routine: the $1,000-a-month car payment. Nearly one in six new-car buyers are signing up for four-figure notes, a trend driven by rising prices, interest rates, and longer terms — reshaping affordability conversations across the showroom floor.In 2015, only 2.4% of buyers paid $1,000+; that number hit 16.6% in JulySUVs (53%) and pickups (37%) dominate these deals; 5% of all $1,000+ buyers drove off in an F-150.Buyers today face average loans near $42K at 6.8% interest, compared to $28K at 3.9% a decade ago.Longer terms now stretch over 68 months on average, nearly a year longer than 2015.“There are some that are very shocked by the payment,” said Cody Anderson, GSM at Freedom Ford. “Their payment thought process is five years ago compared to now.”Meta is about to supercharge its ad business by tapping into conversations people have with its AI chatbot. Starting December 16, chats with Meta AI will help determine not just what ads users see, but what content fills their feeds across Facebook, Instagram, and WhatsApp.Meta AI chats will feed new ad-targeting signals, similar to posts, likes, and connections.Example: Talk about hiking → expect more hiking ads and related content.The company stresses sensitive topics (politics, religion, health, etc.) won't be used for targeting.Meta earned $46.5B in ad revenue last quarter, up 21% YoY.“Interactions with AIs will be another signal we use to improve people's experience,” Meta said.0:00 Intro with Paul J Daly and Kyle Mountsier1:35 The huge news out of More Than Cars2:48 Tesla Sets Delivery Record5:35 Nearly 17% of Car Payments are $10008:45 Meta Will Use AI Searches To Target Ads To UsersJoin Paul J Daly and Kyle Mountsier every morning for the Automotive State of the Union podcast as they connect the dots across car dealerships, retail trends, emerging tech like AI, and cultural shifts—bringing clarity, speed, and people-first insight to automotive leaders navigating a rapidly changing industry.Get the Daily Push Back email at https://www.asotu.com/ JOIN the conversation on LinkedIn at: https://www.linkedin.com/company/asotu/
Don't miss the replay of our live event where James Shepherd, Jon Shirey, and Ben Shirey introduced Stackably—a new brand built to help agents win and retain more merchant accounts. You'll get a first look at Payment Stack, a simple, all-in-one solution with free hardware, software, dual pricing, and native apps for both merchants and their customers. It's the first of many feature sets designed to help agents grow long-term, high-value residuals. Then, Patti Murphy joins James for Today in Payments with insights on the latest updates in the industry. Plus, Rich Norton shares some sales tips. If you're ready to reduce churn and strengthen your portfolio, this is a must-watch.
In this episode Mary talks about breaking out of the nighttime eating trap.Grab your copy of my FREE 9 page Beginner's Guide to Food Sobriety https://www.foodfreedomwithmary.com/foodsobrietyguideNEW Free Food Sobriety Mini Course - https://www.foodfreedomwithmary.com/minicoursefoodsobrietyFacebook group: https://www.facebook.com/groups/4915319108493196/?ref=share_group_linkDo you need private coaching and intensive daily contact with a coach? Fill out my application so we can chat about whether or not my program is for you and which option is best for you. Payment plans available. Don't see a payment option that works for your pay schedule? Let's chat about a custom pay plan.www.foodfreedomwithmary.com/chooseyourpath Application: https://docs.google.com/forms/d/1upnWHYK0RXfmyRTqlsF_R06z3NA8LZYHIMWFykq7-X4/viewformJoin my Food Freedom Tribe! An online community of support, eduction, inspiration, accountability….. Learn more here: https://www.foodfreedomwithmary.com/tribemembership Instagram: www.instagram.com/ketomary71 Facebook: www.Facebook.com/ketomary71 YouTube: https://youtube.com/@ketomary7114Website: www.foodfreedomwithmary.com Join the email list.Email: mary@foodfreedomwithmary.com Want to learn more about me and my coaching programs? Watch my program video: www.foodfreedomwithmary.com/programvideoOnline Course: https://www.foodfreedomwithmary.com/foodfreedomcourse
On this episode, we sit down with Stacy Cushenbery, Senior Manager for Global Regenerative Agriculture at Oatly, to unpack how one of the world's most recognizable plant-based brands is tackling regeneration at scale. We explore why Oatly chose an “equivalent acres” approach instead of chasing identity-preserved sourcing, and how that decision balances procurement flexibility with landscape-level impact. We dive into why mill partners are the hidden backbone of their program — organizing farmers, shaping agronomy plans, and making regen real on the ground. Stacy shares the nuts and bolts of what practices Oatly is paying farmers to adopt, how much support they receive, and what the company has learned about building trust and iteration into the process. And finally, we go inside the business model — how Oatly calculated program costs down to a cost-per-liter of oat milk and embedded those expenses directly into procurement budgets. It's a conversation about pragmatism meeting ambition, about turning lofty sustainability goals into operational reality, and about how brands can work across systems to create genuine impact. Episode Highlights:
Payments to tribes for federal contracts, BIA law enforcement, food distribution to schools, and health care access could all be affected by the federal government shutdown. It also has a significant effect on the 30,000 Native American federal employees and members of the military who may not be furloughed, but will not receive paychecks until the shutdown is over. This is the second government shutdown in the past decade; the previous one was the longest on record. We'll get the Native perspective on what's potentially in store as the shutdown progresses. GUESTS Aaron Payment (Sault Ste. Marie Tribe of Chippewa Indians), tribal councilman and former chairperson for the Sault Ste. Marie Tribe of Chippewa Indians A.C. Locklear (Lumbee), CEO of the National Indian Health Board Mike Stopp (Cherokee and Muscogee), president and CEO of SevenStar Holdings, LLC Sue Parton (Kiowa), President of the Federation of Indian Service Employees
The payments landscape is experiencing regulatory upheaval, forcing financial institutions to rethink their approach to money movement modernization. With ISO message format changes, Swift updates, and evolving fraud requirements hitting simultaneously, banks are facing a complex web of compliance demands that require immediate attention. "The regulatory agenda for money movement is probably one of the most aggressive we have," said Elaine Duff, SVP and Head of Money Movement at FIS. "It's across the globe. We're seeing the ISO message intended to help firms standardize their messaging, become more efficient, and make their operations much more standardized." Yet the scale of change extends far beyond simple messaging updates. The oncoming change affects fraud tools, digital channels, reporting formats, and entire operational workflows. For many institutions, the traditional rip-and-replace approach to modernization has become both financially and operationally untenable. Nick Dovaras, Global Account Manager at AWS, emphasized the broader pressures driving urgency: "There's customer expectations as well. Customers are expecting 24/7, instant, and customer-friendly mobile applications that are connected to online systems.” Dive into this episode to hear about how financial institutions are navigating regulatory pressures through modular modernization strategies. FIS' Duff and AWS' Dovaras break down the critical role embedded fraud protection is playing in real-time payments, and why cloud-based solutions are enabling banks to modernize their money movement capabilities without the risks of traditional rip-and-replace approaches.
In this episode Mary shares her thoughts about investing in your health.Grab your copy of my FREE 9 page Beginner's Guide to Food Sobriety https://www.foodfreedomwithmary.com/foodsobrietyguideNEW Free Food Sobriety Mini Course - https://www.foodfreedomwithmary.com/minicoursefoodsobrietyFacebook group: https://www.facebook.com/groups/4915319108493196/?ref=share_group_linkDo you need private coaching and intensive daily contact with a coach? Fill out my application so we can chat about whether or not my program is for you and which option is best for you. Payment plans available. Don't see a payment option that works for your pay schedule? Let's chat about a custom pay plan.www.foodfreedomwithmary.com/chooseyourpath Application: https://docs.google.com/forms/d/1upnWHYK0RXfmyRTqlsF_R06z3NA8LZYHIMWFykq7-X4/viewformJoin my Food Freedom Tribe! An online community of support, eduction, inspiration, accountability….. Learn more here: https://www.foodfreedomwithmary.com/tribemembership Instagram: www.instagram.com/ketomary71 Facebook: www.Facebook.com/ketomary71 YouTube: https://youtube.com/@ketomary7114Website: www.foodfreedomwithmary.com Join the email list.Email: mary@foodfreedomwithmary.com Want to learn more about me and my coaching programs? Watch my program video: www.foodfreedomwithmary.com/programvideo
In the final episode of Powering Payments Together: How Payroc Helps ISVs Scale Smarter, we turn the spotlight on CenterEdge Software and their journey to building a payments program that drives real business value. Leslie Legel, Director of Payments at CenterEdge, joins the conversation to share how Payroc has become a trusted partner in helping them overcome challenges, strengthen their platform, and deliver a seamless experience for their clients.Leslie explains why payments are mission-critical for family entertainment centers, where more than 90 percent of transactions are digital and downtime isn't an option. From July 4th waterparks to cashless operations, reliability isn't just a nice-to-have—it's the foundation of customer satisfaction. She reflects on a tough lesson learned when a gateway integration didn't meet expectations, and how those setbacks ultimately led CenterEdge to develop a more reliable and scalable payments strategy.The episode also explores how CenterEdge built and branded “CenterEdge Payments,” giving them control over the customer journey and creating a more transparent, feature-rich solution for their clients. Leslie shares how Payroc stood out as a partner, not just for their technology and APIs, but for their willingness to understand CenterEdge's business, answer tough questions, and provide the tools and flexibility needed to scale.Finally, Leslie offers advice to ISVs navigating the high-stakes world of payments: do your homework, know your limitations, and find a partner who is as invested in your success as you are. Looking ahead, she discusses how CenterEdge and Payroc will continue to grow together, exploring new solutions and opportunities to strengthen their offering in the family entertainment space.
Payment Structures that Make Sense... Master your cash flow by taking control of payment schedules. This episode breaks down essential billing strategies, emphasizing that no one payment structure fits all jobs. Learn to structure progress payments based on work completed (or materials delivered), not rigid milestones, to prevent cash flow traps. The strategic goal is to ensure only the final 10% is pending upon project completion. We also cover critical protections, such as including a "winter clause" in contracts, allowing you to bill for work completed to date if weather causes a shutdown. Finally, maintain financial integrity: vendors are not your bank. As the owner, you must set the terms that are right for your company.
SponsorsDigits - https://uqb.promo/digitsAssembly - https://uqb.promo/assemblyAFWA - https://uqb.promo/afwaConverting from QuickBooks Desktop to Online doesn't have to mean rebuilding your payroll from scratch or losing all your attachments. Dan joins Alicia and reveals how matching your Intuit ID, QuickBooks admin, and QBO primary admin can bring employee data, pay rates, and direct deposit information over automatically, even with 431 employees. He also uncovers the quietly released feature that now migrates attachments, along with the specific file prep steps needed to make it work.LINKSAlicia's book about Converting from QBDT to QBO: http://royl.ws/QBDT_to_QBO QBO Bootcamp: http://royl.ws/QBO-Fundamentals-Course?affiliate=5393907 New Bank Transactions Feed Class: http://royl.ws/QuickBooks-Online-Banking?affiliate=5393907Reconciling in QBO Class: http://royl.ws/Reconciling-In-QBO?affiliate=5393907Women Who Count Conference: https://www.afwa.org/women-who-count/Intuit Connect: https://www.intuit.com/intuitconnect/Hector and Carlos Garcia's Reframe Conference: https://reframe.shoprocket.io/#!/reframe-2025-effective-pricing-for-accountantsRightTool.app - mention ROYALWISE for 20% off the Pro versionAttachment Conversion: https://snip.ly/UQAPAttach Payroll and Payments Conversion Blog: https://snip.ly/UBAPayrollDTM QB Power Hour Webinar on Payroll and Attachment Conversions w/ Demo: https://snip.ly/UQAQBPHConversionhttps://www.schoolofbookkeeping.com/ Schoolofbookkeeping YouTube: https://www.youtube.com/@schoolofbookkeeping?sub_confirmation=1 We want to hear from you!Send your questions and comments to us at unofficialquickbookspodcast@gmail.com.Join our LinkedIn community at https://www.linkedin.com/groups/14630719/Visit our YouTube Channel at https://www.youtube.com/@UnofficialQuickBooksPodcast?sub_confirmation=1 Sign up to Earmark to earn free CPE for listening to this podcasthttps://www.earmark.app/onboarding (00:00) - Welcome to The Unofficial QuickBooks Accountants Podcast (00:58) - Understanding Migration vs. Conversion (02:35) - Challenges in Migrating Payroll (05:50) - The Importance of Admin Roles (17:41) - Migrating Attachments (23:04) - Practical Tips for Migration (30:26) - Upcoming Events and Conferences
After missing a target deadline for raises for the Philadelphia Federation of Teachers union, how does the School District of Philadelphia plan to make up for the delay? Superintendent Dr. Tony Watlington Sr. explains why the payments are late, and the course of action he intends to take moving forward. Watlington also discusses his three-year contract extension, and the district's pressing need for speech language pathologists. 00:00 What caused delays in PFT raises, and how the district plans to address the problem 02:55 Watlington reflects on contract extension, why Philadelphia has been a good fit 06:40 Tackling the district-wide need for speech language pathologists Have a question for Dr. Watlington? Email us at afterschool@kywnewsradio.com and listen for a response on future episodes of "After School!” Catch the show on the air every Wednesday at 3:45 PM ET on KYW Newsradio 103.9 FM. To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices
Today on the Tearsheet Podcast, we're diving into a story that captures the evolution of modern finance — where professional athletes aren't just endorsing products, but building the infrastructure that empowers the next generation of wealth creators. I'm joined by Sheldon Day, Co-Founder and President of The Player's Company, a collective of over 500 professional athletes and accredited investors who are rewriting the playbook on financial empowerment. As a NFL defensive tackle with the Washington Commanders and eight-year veteran, Sheldon understands firsthand the financial realities that athletes face both during and after their careers. The Players Company isn't just another investment club — it's a platform democratizing access to wealth-building tools once reserved for the ultra-wealthy, while providing financial education many athletes never received. Since 2019, TPC has facilitated investments in startups like ZenWTR, Teamworks, and Public.com, proving athletes can be sophisticated capital allocators when given the right resources. We'll explore how Sheldon went from reading defensive formations to reading investment prospectuses, and how The Players Company is scaling to empower athletes across all sports to build generational wealth.
In hour two of the Chase and Big Joe Show, the guys talk with former Vanderbilt linebacker Chris Gaines about the upcoming Vanderbilt game against Alabama, along with their last win in Tuscaloosa in 1984. The guys discuss the Titans' ticket representative claiming that fans are happy and most of the new stadium tickets are sold. The guys go through how much each SEC school is paying the football players in NIL and whether the value is there.
In this episode Mary talks about how important the language we use and our self talk is to our recovery.Grab your copy of my FREE 9 page Beginner's Guide to Food Sobriety https://www.foodfreedomwithmary.com/foodsobrietyguideNEW Free Food Sobriety Mini Course - https://www.foodfreedomwithmary.com/minicoursefoodsobrietyFacebook group: https://www.facebook.com/groups/4915319108493196/?ref=share_group_linkDo you need private coaching and intensive daily contact with a coach? Fill out my application so we can chat about whether or not my program is for you and which option is best for you. Payment plans available. Don't see a payment option that works for your pay schedule? Let's chat about a custom pay plan.www.foodfreedomwithmary.com/chooseyourpath Application: https://docs.google.com/forms/d/1upnWHYK0RXfmyRTqlsF_R06z3NA8LZYHIMWFykq7-X4/viewformJoin my Food Freedom Tribe! An online community of support, eduction, inspiration, accountability….. Learn more here: https://www.foodfreedomwithmary.com/tribemembership Instagram: www.instagram.com/ketomary71 Facebook: www.Facebook.com/ketomary71 YouTube: https://youtube.com/@ketomary7114Website: www.foodfreedomwithmary.com Join the email list.Email: mary@foodfreedomwithmary.com Want to learn more about me and my coaching programs? Watch my program video: www.foodfreedomwithmary.com/programvideoOnline Course: https://www.foodfreedomwithmary.com/foodfreedomcourse
Welcome back to Fintech Takes. I'm Alex Johnson, joined (as always) by my partner-in-recapping, Jason Mikula. First up: the uneasy détente in open banking is over. Jason and I haven't had a chance to debrief on Plaid's deal with JPMorgan Chase to pay for API access (so we do). Payments use cases remain the most expensive, Plaid is eating the fees (at least for now), and Chase looks like it's succeeded in hobbling Pay by Bank. We unpack why Plaid did the deal, what it means for other aggregators. Next up, color us nostalgic; back to BaaS Island we go! The FBI is probing Evolve. The scope reportedly extends to board members (including a16z), and new details suggest international money movement in Southeast Asia (tied to a $15M pig-butchering scheme). As the saying goes, bankers almost never go to jail; will this time be any different? Then, we turn to AI. FICO has announced a new product called a foundation model for financial services. The idea is to build smaller, domain-specific models that are cheaper, faster, and more reliable than generic LLMs, while adding predictive lift on top of existing analytics. The open questions: is this hype dressed up for Wall Street, or a clever way to squeeze extra predictive power out of structured financial datasets? And most of all: who is this really for? Plus, in our Can't Let It Go corner, Jason bristles about being labeled as “partisan” (in response to his response about the “Debanking” Executive Order) while I puzzle over Tether reportedly raising at a $500B valuation (the same as OpenAI, except Tether's core product is…not getting audited and telling everyone to “just trust us.”) Sign up for Alex's Fintech Takes newsletter for the latest insightful analysis on fintech trends, along with a heaping pile of pop culture references and copious footnotes. Every Monday and Thursday: https://workweek.com/brand/fintech-takes/ And for more exclusive insider content, don't forget to check out my YouTube page. Follow Jason: Newsletter: https://fintechbusinessweekly.substack.com/ LinkedIn: https://www.linkedin.com/in/jasonmikula/ Follow Alex: YouTube: https://www.youtube.com/channel/UCJgfH47QEwbQmkQlz1V9rQA/videos LinkedIn: https://www.linkedin.com/in/alexhjohnsonTwitter: https://www.twitter.com/AlexH_Johnson
Federal Reserve Governor Christopher Waller stated that stablecoins and distributed ledger technology could reduce payment costs and improve efficiency for businesses and consumers. He explained that stablecoins provide an alternative for cross-border payments, especially in countries with limited access to dollar banking services. Waller described how distributed ledger technology can address challenges in the correspondent banking model by offering faster, more transparent, and less expensive transactions. He referenced the 'stablecoin sandwich' model and tokenized deposits as potential solutions. Waller noted that new legislation, the Genius Act, provides regulatory clarity for stablecoins in the United States. He said the Federal Reserve is researching technologies such as tokenization, smart contracts, and artificial intelligence to support payment system upgrades. Waller is considered a leading candidate for the next Federal Reserve chairman.Learn more on this news by visiting us at: https://greyjournal.net/news/ Hosted on Acast. See acast.com/privacy for more information.
A new type of accessible payment card could be making its way to your pocket very soon. Hywel Davies has been hearing about the Talu Card. For more information, visit the Talu Card website - Talu
In this episode, I break down how to manage your own rental properties remotely—step by step—using the exact processes my friend Dave uses to keep vacancies under two weeks in San Diego, CA and Jacksonville, NC. You'll learn: How to fill vacancies fast with smart, wide-net marketing (Zillow, Trulia, HotPads, Realtor, FB Marketplace, Craigslist, IG, word-of-mouth) and pro-level photos/video Why enforcing “application before walkthrough” saves time and filters for qualified tenants The pipeline: application → walkthrough (with a trusted local) → attorney-vetted lease → first month + deposit → move-in How to structure deposits and rent accounts (separate, interest-bearing) and avoid commingling What to include in a welcome letter, plus move-in/move-out forms that protect your deposit decisions How to build a maintenance Rolodex and a reliable on-the-ground helper for inspections and showings Timestamps (00:00) Intro (00:37) Managing rentals from anywhere (01:18) Dave's record of short vacancies (01:45) Marketing channels and pro photos (03:39) The rental pipeline explained (05:27) Payments and separate accounts (06:39) Move-in day essentials (07:13) Protecting deposits with forms (07:50) Rent collection methods (09:06) Building your maintenance team (10:21) The War Room Mastermind Resources & Links Free book: https://www.facebook.com/groups/militarymillionaire YouTube: https://www.youtube.com/@Frommilitarytomillionaire?sub_confirmation=1 Instagram: https://www.instagram.com/frommilitarytomillionaire/ LinkedIn: https://www.linkedin.com/in/david-pere/ X: https://x.com/militaryreji TikTok: https://www.tiktok.com/@militarymillionaire About the Show The Military Millionaire Podcast helps service members, veterans, and their families build wealth through personal finance, entrepreneurship, and real estate investing—no BS, just actionable steps you can use right away.
The Fed finally lowered interest rates and the mortgage companies are relentlessly pushing for refinances. What is the best choice? In almost all cases, it is the 30 year fixed. Why? Many reasons - listen in and find out! Highlights Fed lowers interest rates: Mortgage opportunities. Velocity banking: An Australian trick. Bet on yourself: God-driven decisions. 15-year vs 30-year mortgages: Initial setup. Payment calculations: Mortgage comparison. 15-year mortgage interest: Quick payoff impact. Cash vs mortgage: Wealth building scenarios. Million-dollar example: Time as a financial factor. Tax misconceptions: Understanding tax brackets. Inflation impact on mortgages: Long-term effects. Financial strategies: Tax and deduction insights. Links and Resources from this Episode Connect with Gary Pinkerton https://www.paradigmlife.net/ gpinkerton@paradigmlife.net https://garypinkerton.com/ https://clientportal.paradigmlife.net/WealthView360 Review, Subscribe and Share If you like what you hear please leave a review by clicking here Make sure you're subscribed to the podcast so you get the latest episodes. Subscribe with Apple Podcasts Follow on Audible Subscribe with Listen Notes Subscribe with RSS
The Automotive Troublemaker w/ Paul J Daly and Kyle Mountsier
Shoot us a Text.Episode #1159: Today we dig into how Ford and GM are stretching the $7,500 EV lease credit, why used EVs are suddenly flying off lots, and how ChatGPT just became a digital storefront.With the federal $7,500 EV lease incentive ending today, GM and Ford are using a strategic workaround to extend the benefit for customers—and keep EV momentum alive—into Q4.To skirt the deadline, both automakers' finance arms (GM Financial and Ford Credit) are pre-acquiring qualifying EVs and making down payments to preserve the lease credit.GM dealers must sign up by Sept. 30; Ford required dealer opt-in by Sept. 26.Ford is sweetening the pot with a $1,000 bonus to dealers for every EV leased under the program by year's end.IRS guidance allows the credit to apply if a vehicle is “acquired” via written contract and payment—even if not delivered until later.The workaround applies to Cadillac, Chevy, GMC EVs for GM, and select Ford EVs like the Mustang Mach-E and F-150 Lightning.With new EV incentives vanishing and prices still sky-high, the used electric vehicle market is having a moment. Once thought of as a luxury-only experiment, used EVs are now affordable, available, and—surprisingly—desirable.Sales of used EVs jumped 34% through June and used EV prices have fallen to near parity with gas cars, averaging $34,700 as of August and One buyer snagged a 2024 Mustang Mach-E GT for $33K—a 40% drop from last year's new sticker price.Three-year lease returns from 2022's EV boom are flooding the market with modern, tech-packed vehicles, and used EVs have a 36 day supply, compared to 42 for ICE cars.In some cases, used EVs are cheaper than their gas-powered siblings—like a Toyota bZ4X undercutting a RAV4 by $6,600.OpenAI just upgraded ChatGPT from chatbot to checkout lane. With the launch of Instant Checkout, U.S. users can now buy products directly inside a conversation—starting with Etsy and soon expanding to over a million Shopify merchants.Users ask for recommendations (e.g., “running shoes under $100”), tap “Buy,” confirm details, and check out—all without leaving the chat.The feature is powered by the new Agentic Commerce Protocol, co-developed with Stripe, and built to make AI a native part of the shopping experience.Payments use encrypted “Shared Payment Tokens” via Stripe, keeping buyer credentials safe while allowing instant, single-item purchases. OpenAI earns a small cut from each transaction.Etsy shares jumped 16% and Shopify rose 6% following the launch, signaling big market enthusiasm.0:00 Intro with Paul J Daly and Michael Cirillo0:31 Huge Launch Announcement Tomorrow at morethancars.com3:20 GM, Ford Financial Arms Acquire EVs To Capture Tax Credit6:35 Used EVs Reach Price Parity With Used IJoin Paul J Daly and Kyle Mountsier every morning for the Automotive State of the Union podcast as they connect the dots across car dealerships, retail trends, emerging tech like AI, and cultural shifts—bringing clarity, speed, and people-first insight to automotive leaders navigating a rapidly changing industry.Get the Daily Push Back email at https://www.asotu.com/ JOIN the conversation on LinkedIn at: https://www.linkedin.com/company/asotu/
Usually small startups fail when trying to take on big companies.Rainforest, however, is a different story. In the payments space dominated by Stripe and PayPal, founder Joshua Silver saw a gap no one was paying attention to.The result? Over $1 Billion in transactions in their first year!In this convo, Joshua explains how he found the opportunity, the steps he took to dominate it, and his mindset when it comes to nailing product-market-fit in a crowded space.Chapters:(00:00:00) Intro(00:00:56) Payment Processing's Role in SaaS Revenue(00:02:07) How Rainforest Succeeded So Quickly(00:05:42) Strategy For Breaking Into The Market(00:15:17) How They Beat The Competition(00:17:50) The 1 Metric To Focus On(00:21:49) The Best Thing He Did While Fundraising——Subscribe for more startup content!Check out Rainforest: https://www.rainforestpay.com/Check out PELION: https://pelionvp.com/
What should leaders take from Brickstorm, a 150-year-old company felled by one password, and an easy Microsoft global-admin misstep—plus how agent-to-agent payments could evolve? In this episode of the Phoenix Cast, hosts John and Kyle connect the dots for you. Have a listen, and let us know what you think!We'd love to hear your thoughts! Tweet us at our new handle, @ThePhoenixCast, and https://www.bleepingcomputer.com/news/security/google-brickstorm-malware-used-to-steal-us-orgs-data-for-over-a-year/https://thehackernews.com/2025/09/how-one-bad-password-ended-158-year-old.html?m=1don't forget to join our LinkedIn Group to connect with fellow Phoenix Casters. If you enjoyed the episode, help us out by leaving one of those coveted 5-star reviews on Apple Podcasts. Thanks for listening!Links:https://dirkjanm.io/obtaining-global-admin-in-every-entra-id-tenant-with-actor-tokens/https://colinmcnamara.com/blog/understanding-a2a-ap2-protocols-builder-guide
In this episode Mary shares her thoughts on the struggle with thinking about being food sober forever and how overwhelming it is.Grab your copy of my FREE 9 page Beginner's Guide to Food Sobriety https://www.foodfreedomwithmary.com/foodsobrietyguideNEW Free Food Sobriety Mini Course - https://www.foodfreedomwithmary.com/minicoursefoodsobrietyFacebook group: https://www.facebook.com/groups/4915319108493196/?ref=share_group_linkDo you need private coaching and intensive daily contact with a coach? Fill out my application so we can chat about whether or not my program is for you and which option is best for you. Payment plans available. Don't see a payment option that works for your pay schedule? Let's chat about a custom pay plan.www.foodfreedomwithmary.com/chooseyourpath Application: https://docs.google.com/forms/d/1upnWHYK0RXfmyRTqlsF_R06z3NA8LZYHIMWFykq7-X4/viewformJoin my Food Freedom Tribe! An online community of support, eduction, inspiration, accountability….. Learn more here: https://www.foodfreedomwithmary.com/tribemembership Instagram: www.instagram.com/ketomary71 Facebook: www.Facebook.com/ketomary71 YouTube: https://youtube.com/@ketomary7114Website: www.foodfreedomwithmary.com Join the email list.Email: mary@foodfreedomwithmary.com Want to learn more about me and my coaching programs? Watch my program video: www.foodfreedomwithmary.com/programvideoOnline Course: https://www.foodfreedomwithmary.com/foodfreedomcourse
Bridging the gap between Treasury, Accounts Receivable, and Accounts Payable represents the critical "last mile" in financial automation. John Rubenetti, President of B2B Payments at Deluxe, reveals how leading organizations are connecting these traditionally siloed functions to create seamless, intelligent financial ecosystems.The challenge isn't implementing individual automation solutions—it's connecting them. "The friction shows up in the handoffs," Rubenetti explains. When data and money flow through disconnected systems, finance leaders lose visibility and control. True transformation happens when organizations align technology, people, and processes to create end-to-end financial workflows.Many CFOs underestimate the complexity of integration. They may believe they understand departmental processes but miss critical dependencies or manual workarounds. Data quality becomes another stumbling block—if information isn't clean today, automation won't deliver promised insights. Rubenetti advises starting with a clear vision, taking a phased approach, and choosing partners who understand both the technology and change management aspects.The conversation explores how modern thinking must accompany modern tools. While dashboards provide visibility, embedding intelligence directly into workflows creates transformative value. Instead of merely reporting numbers, advanced systems prioritize actions, handle exceptions through AI, and trigger automated responses—shifting from static reporting to dynamic decision support.Rubenetti highlights three significant B2B payment trends: mid-market automation (where 70% still lack automated AP/AR processes), enhanced security (as "fraud thrives in manual processes"), and payment modernization. Despite technological advances, paper checks remain surprisingly prevalent, particularly among small and mid-sized businesses who value the detailed information that accompanies them.Deluxe has evolved far beyond its reputation as "the check company" to become a comprehensive payments and data organization. Their solutions now span the entire financial ecosystem—from treasury management to merchant services—helping businesses move money faster, safer, and more efficiently while maintaining the data integrity essential for strategic decision-making.Ready to complete your financial automation journey? Start by mastering the basics before pursuing flashier technologies. The foundation you build today will determine your success tomorrow.
In this episode of the Payments Podcast, Owen McDonald speaks with Amrita Ghanekar, Senior Director at BNY Treasury Services, about the forces driving payments modernization. From SaaS as a strategic enabler to the rise of data-sharing ecosystems and real-time architectures, Amrita shares how banks can unlock agility, personalization, and resilience. Learn how global trends influence innovation and why the future of banking lies in contextual intelligence and customer-centricity.
We are super excited to let you know that we've made MAJOR enhancements to DetailBookie's integration with SQAURE. Plus updates on RoadFS Payments with Paystri.In this episode of the RoadFS & DetailBookie Podcast, Jody and Rod dive into exciting new software updates and what they mean for detailers. • Big Announcement: DetailBookie now has full Square integration—from web payments to card readers and recurring billing.• Payment Flexibility: Introducing Pastry Payments inside RotaFest, giving detailers more options and lower fees.• Upcoming Events: From Kentucky to SEMA, the team is hitting the road to connect with the detailing community.• New Features Coming Soon: Automated reporting, customer reminders, and even customer-uploaded photos are on the horizon.• Free CRM Strategy Sessions: Jody and Rod are offering 30-minute consultations to help detailers • decide if it's time to adopt a CRM or switch platforms.• Community First: Listener questions, feature requests, and a focus on helping detailers WIN—no matter which software they use.We are working to make it EASIER for you to get paid!Hosts:Jody Sedrick & Rod Puzey
The first of two episodes recorded live at Ecommerce Expo at ExCeL London where we dive into the challenges and opportunities shaping today's e-commerce landscape. The show was produced in partnership with Exactly.com, who provide payment solutions for businesses with big plans, helping eCommerce scale without scaling costs. Host Russell Goldsmith speaks with a range of founders and industry leaders including: 1/ Saran Talasila, Payment Expert, Exactly.com 2/ Janis Thomas, Managing Director, Look Fabulous Forever 3/ Colin Tate, Senior Manager, Data and CRO Insights, Lebara 4/ Clem Schouteden, Founder and CEO, Kavee 5/ Caleb Slater, CEO and Founder, Cards2Cash From tackling high payment costs, fraud, and cart abandonment, to building trust through seamless checkout, cross-border growth, and AI-driven innovation, our guests share practical insights on creating better customer journeys and scaling online businesses.
Dr. Rutendo Hwindingwi, the founding director of Tribe Africa advisory and author of Rumble in the Jungle Reloaded and Stephen Grootes look at top business news around the continent. The Money Show is a podcast hosted by well-known journalist and radio presenter, Stephen Grootes. He explores the latest economic trends, business developments, investment opportunities, and personal finance strategies. Each episode features engaging conversations with top newsmakers, industry experts, financial advisors, entrepreneurs, and politicians, offering you thought-provoking insights to navigate the ever-changing financial landscape. Thank you for listening to a podcast from The Money Show Listen live Primedia+ weekdays from 18:00 and 20:00 (SA Time) to The Money Show with Stephen Grootes broadcast on 702 https://buff.ly/gk3y0Kj and CapeTalk https://buff.ly/NnFM3Nk For more from the show, go to https://buff.ly/7QpH0jY or find all the catch-up podcasts here https://buff.ly/PlhvUVe Subscribe to The Money Show Daily Newsletter and the Weekly Business Wrap here https://buff.ly/v5mfetc The Money Show is brought to you by Absa Follow us on social media 702 on Facebook: https://www.facebook.com/TalkRadio702 702 on TikTok: https://www.tiktok.com/@talkradio702 702 on Instagram: https://www.instagram.com/talkradio702/ 702 on X: https://x.com/CapeTalk 702 on YouTube: https://www.youtube.com/@radio702 CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk CapeTalk on Instagram: https://www.instagram.com/ CapeTalk on X: https://x.com/Radio702 CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567 See omnystudio.com/listener for privacy information.
How do we future-proof the digital payment experience so it becomes invisible to customers—yet keep it working harder than ever for brands?Agility requires a deep understanding of how technology can simplify the customer journey without compromising security or trust. Today we're going to talk about the future of secure digital payments, how in-app and frictionless experiences are redefining customer loyalty, and why platform providers need to take the in-app payment shift seriously.To help me discuss this topic, I'd like to welcome Peter Galvin, Chief Marketing Officer at NMI. About Peter Galvin Peter is Chief Marketing Officer at NMI and is a 20-year veteran of global technology organizations, specializing in promoting innovative enterprise and Cloud-based software companies to leadership positions. He previously served as Chief Marketing Officer at Entrust and Proofpoint, as well as Chief Strategy & Marketing Officer for nCipher (formerly Thales e-Security). Peter has also served in senior marketing leadership roles at leading technology companies including Openwave, Inktomi (acquired by Yahoo) and Oracle. He's passionate about skiing and travel, and enjoys cooking and spending time with his family. Peter Galvin on LinkedIn: https://www.linkedin.com/in/petergalvin/ Resources NMI: https://www.nmi.com The Agile Brand podcast is brought to you by TEKsystems. Learn more here: https://www.teksystems.com/versionnextnow Register now for Sitecore Symposium, November 3-5 in Orlando Florida. Use code SYM25-2Media10 to receive 10% off. Go here for more: https://symposium.sitecore.com/Don't Miss MAICON 2025, October 14-16 in Cleveland - the event bringing together the brights minds and leading voices in AI. Use Code AGILE150 for $150 off registration. Go here to register: https://bit.ly/agile150 Connect with Greg on LinkedIn: https://www.linkedin.com/in/gregkihlstromDon't miss a thing: get the latest episodes, sign up for our newsletter and more: https://www.theagilebrand.showCheck out The Agile Brand Guide website with articles, insights, and Martechipedia, the wiki for marketing technology: https://www.agilebrandguide.com The Agile Brand is produced by Missing Link—a Latina-owned strategy-driven, creatively fueled production co-op. From ideation to creation, they craft human connections through intelligent, engaging and informative content. https://www.missinglink.company
Get registered for the ASTA Expo 2025 at the Raleigh Convention Center: https://geni.us/ASTA2025 Don't get to the end of this year wishing you had taken action to change your business and your life.Click here to schedule a free discovery call for your business: https://geni.us/IFORABEDon't miss an upcoming event with The Institute: https://geni.us/InstituteEvents2025Shop-Ware gives you the tools to provide your shop with everything needed to become optimally profitable.Click here to schedule a free demo: https://info.shop-ware.com/profitabilityMake sure you mention: CTISUMMER to get FREE data migration!If you're ready to make a real change in your shop's success, join Shop Marketing Pros' Plan With the Pros workshop this October to connect with them and other shop owners. You'll leave with your entire year for 2026 planned out. Click here to register: https://geni.us/PlanWithTheProsShop owners, are you ready to simplify your business operations? Meet 360 Payments, your one-stop solution for effortless payment processing.Imagine this—no more juggling receipts, staplers, or endless paperwork. With 360 Payments, you get everything integrated into one sleek, digital platform.Simplify payments. Streamline operations. Check out 360payments.com today!In this episode, Lucas and David are joined by Nicholas Lerubino, second-generation technician and lead tech at Mark's Auto Service in Gillette, New Jersey. Nicholas shares how caring deeply about customers and the industry brought both fulfillment and stress, detailing the emotional toll of serving skeptical clients and navigating challenging shop cultures. The conversation examines the importance of achieving a work-life balance in the automotive industry, the realities of technician burnout, and the significance of having a supportive network within the field.00:00 "Incriminated and Betrayed Heist"06:03 "Eric's Vital Support"07:25 Discovering Mario Rojas's Impact10:40 "Brief Courtesy Call Notification"15:26 Warranty Work Isn't Profitable17:15 "Leaving Due to Shop Culture"21:20 "Handling Employee Write-Up Concerns"24:08 "Gravy Work vs. Practical Skills"27:04 Failure to Follow Procedure28:59 Throttle Body Diagnosed in Minutes32:10 Fuel Leak and Code Issues37:06 "Balancing Business and Personal Life"40:06 "Expectations for Young Men's Work"42:58 "Prioritize Work Over Leisure"45:28 "Finalizing Paperwork Concerns"50:57 "Process Obsession's Daily Impact"54:04 Nearly Fatal Garage Door Incident55:08 Avoiding Dangerous Road Stretch58:20 Identical Specs Uncovered
Ryan Doran is a Partner in Lead Creative and Head of UI/UX for Turkois, with over 17 years of experience in monetization strategy, payments, and scaling technology businesses. Danny Smith is a Solution Architect at Stripe, working on AI-driven commerce innovations and partnering with AWS. In this episode, Ryan and Danny explore the critical intersection of pricing strategy and payment infrastructure, discussing how AI is transforming both the mechanics of pricing implementation and the challenge of pricing AI products themselves. Why you have to check out today's podcast: Understand the difference between billing systems and payment systems and how they work together. Learn why flexible technical infrastructure is essential for modern pricing strategies. Discover how AI is enabling hyper-personalized shopping experiences with built-in guardrails. "Your pricing strategy is only as good as the background tech that you have to operationalize it. If you have a legacy monolithic stack and you can come up with these great strategies, but it takes you six months to implement that strategy, then you've probably been left behind already." – Danny Smith Topics Covered: 02:15 - How Ryan got into pricing through product development and payment flows. 04:30 - Danny's journey from cloud architecture to payments infrastructure. 06:45 - The difference between billing systems and payment systems. 10:20 - Why new billing companies continue to emerge despite established players. 14:15 - How AI is accelerating data utilization in pricing decisions. 17:30 - The dual challenge: using AI for pricing vs. pricing AI products. 19:45 - Hyper-personalized shopping with AI agents and built-in guardrails. 23:10 - The ethical concerns of "sleazy price segmentation" and AI pricing. 28:40 - Agent-to-agent negotiations and policy engines. 31:20 - How AI products are changing pricing models: tokens, credits, and hybrid approaches. 35:15 - Creating "action units" to translate technical complexity into business value. Key Takeaways: "Data is basically the new margin. What you can do with it is only gaining in value." - Ryan Doran "We've implemented API level technology that will create a budget... and it will create a virtual debit card on the backend for that exact amount, tied to today as an expiration date, tied to that particular transaction." - Danny Smith People / Resources Mentioned: Turkois: https://turkois.io/ Vanilla POS: https://vanillapos.io/ Stripe: https://stripe.com Perplexity: https://www.perplexity.ai/ OpenAI: https://openai.com/ Chargebee, Chargeify, Zora: Alternative billing platforms MCP Server: Technology enabling AI agents to interact with Stripe for dynamic pricing Connect with Ryan Doran: Website: https://turkois.io/ Email: ryan@turkois.io Connect with Danny Smith: Contact through Ryan Doran Connect with Mark Stiving: LinkedIn: https://www.linkedin.com/in/stiving/ Email: mark@impactpricing.com
Tax Pro Nation | The Podcast For Independent Tax Professionals
Andy chats with Omyr Man from Anchor. How they help small business with billing, collections, and late payment. For more information about the episode visit us at prontotaxschool.com or email us to support@prontotaxschool.com For Anchor reach out at https://www.sayanchor.com/
In this episode Mary gets personal and shares how she stays food sober and why she's never “cheated.”Grab your copy of my FREE 9 page Beginner's Guide to Food Sobriety https://www.foodfreedomwithmary.com/foodsobrietyguideNEW Free Food Sobriety Mini Course - https://www.foodfreedomwithmary.com/minicoursefoodsobrietyFacebook group: https://www.facebook.com/groups/4915319108493196/?ref=share_group_linkDo you need private coaching and intensive daily contact with a coach? Fill out my application so we can chat about whether or not my program is for you and which option is best for you. Payment plans available. Don't see a payment option that works for your pay schedule? Let's chat about a custom pay plan.www.foodfreedomwithmary.com/chooseyourpath Application: https://docs.google.com/forms/d/1upnWHYK0RXfmyRTqlsF_R06z3NA8LZYHIMWFykq7-X4/viewformJoin my Food Freedom Tribe! An online community of support, eduction, inspiration, accountability….. Learn more here: https://www.foodfreedomwithmary.com/tribemembership Instagram: www.instagram.com/ketomary71 Facebook: www.Facebook.com/ketomary71 YouTube: https://youtube.com/@ketomary7114Website: www.foodfreedomwithmary.com Join the email list.Email: mary@foodfreedomwithmary.com Want to learn more about me and my coaching programs? Watch my program video: www.foodfreedomwithmary.com/programvideoOnline Course: https://www.foodfreedomwithmary.com/foodfreedomcourse
Today's sermon is God's Payment by Chuck Smith Find more teaching from Pastor Chuck at www.pastorchuck.org
Paper Bitcoin Summer (kraken IPO, Bitgo)DigitalID not just for Illegals anymore...Hopium: Bitcoin Cycle prediction.. we are a make or break moment! SQUARE's Bitcoin payment let downREKT: Singapore Exchange loses millions, Spanish and Portuguese stop 117million dollar scammer Fake News: Shell and bitcoin..... meh not so much✔️ Sources: ► https://cointelegraph.com/news/kraken-500m-raise-15b-valuation-ipo-speculation► https://x.com/disclosetv/status/1971524348298301599?s=52&t=CKH2brGypO5fEYTgQ-EFhQ► https://x.com/coindesk/status/1971601965969793136?s=52&t=CKH2brGypO5fEYTgQ-EFhQ► https://x.com/bitcoinnewscom/status/1971299839578341759?s=52&t=CKH2brGypO5fEYTgQ-EFhQ► https://x.com/sesi_the_man/status/1971687466269921340?s=52&t=CKH2brGypO5fEYTgQ-EFhQ► https://x.com/bitcoinnewscom/status/1971537987516170621?s=52&t=CKH2brGypO5fEYTgQ-EFhQ► https://www.theportugalnews.com/news/2025-09-23/100-million-crypto-fraud-scheme-brought-down/888844► https://x.com/coinbureau/status/1972327637583532179?s=52&t=CKH2brGypO5fEYTgQ-EFhQ► https://theccpress.com/shell-south-africa-bitcoin-payments/► https://app.facticity.ai/c/4cf21bcd-5eb1-4b53-882f-47e86565ceec► https://x.com/pete_rizzo_/status/1967995140469063745► https://x.com/SaulStaniforth/status/1972222286976676155►TABCONF TICKETS HERE: https://7.tabconf.com/✔️ Check out Our Bitcoin Only Sponsors!► https://archemp.co/Discover the pinnacle of precision engineering. Our very first product, the bitcoin logo wall clock, is meticulously machined in Maine from a solid block of aerospace-grade aluminum, ensuring unparalleled durability and performance. We don't compromise on quality – no castings, just solid, high-grade material. Our state-of-the-art CNC machining center achieves tolerances of 1/1000th of an inch, guaranteeing a perfect fit and finish every time. Invest in a product built to last, with the exacting standards you deserve.► Join Our telegram: https://t.me/theplebunderground#Bitcoin #crypto #cryptocurrency #dailybitcoinnews #memecoins The information provided by Pleb Underground ("we," "us," or "our") on Youtube.com (the "Site") our show is for general informational purposes only. All information on the show is provided in good faith, however we make no representation or warranty of any kind, express or implied, regarding the accuracy, adequacy, validity, reliability, availability, or completeness of any information on the Site. UNDER NO CIRCUMSTANCE SHALL WE HAVE ANY LIABILITY TO YOU FOR ANY LOSS OR DAMAGE OF ANY KIND INCURRED AS A RESULT OF THE USE OF THE SHOW OR RELIANCE ON ANY INFORMATION PROVIDED ON THE SHOW. YOUR USE OF THE SHOW AND YOUR RELIANCE ON ANY INFORMATION ON THE SHOW IS SOLELY AT YOUR OWN RISK.
Vom Schaulaufen in Berlin bis zur Banking Exchange in Frankfurt: Was gerade wirklich zählt und eben nicht..
Panasonic is working on a next-gen battery cell that could bring serious improvements to Tesla vehicles. But how will Tesla choose to utilize it? Plus: more details are seemingly unearthed about the upcoming more-affordable Model Y, Nissan pulls one of its EVs from the US market, and more! If you enjoy the podcast and would like to support my efforts, please check out my Patreon at https://www.patreon.com/teslapodcast and consider a monthly or (10% discounted!) annual pledge. Every little bit helps and there are stacking bonuses in it for you at each pledge level, like early access to each episode at the $5 tier and the weekly Lightning Round bonus mini-episode (AND the early access!) at the $10 tier! And NO ADS at every Patreon tier! Also, don't forget to leave a message on the Ride the Lightning hotline anytime with a question, comment, or discussion topic for next week's show! The toll-free number to call is 1-888-989-8752. DOUBLE-EV RAFFLE FOR A GREAT CAUSE: ClimateXChange is back with their 10th annual EV raffle, and this year there are TWO raffles: a Luxury Raffle with a grand prize of ANY EV you want up to $120,000, and a second Mini-Raffle with a grand prize of any EV up to $45,000 (such as a Model 3 or Model Y). Enter now and get a bonus entry into their $10,000 Early Bird Raffle at https://www.carbonraffle.org/rtl INTERESTED IN A FLEXIBLE EXTENDED WARRANTY FOR YOUR TESLA? Be a part of the future of transportation with XCare, the first extended warranty designed & built exclusively for EV owners, by EV owners. Use the code Lightning to get $100 off their “One-time Payment” option! Go to www.xcelerateauto.com/xcare to find the extended warranty policy that's right for you and your Tesla. P.S. Get 15% off your first order of awesome aftermarket Tesla accessories at AbstractOcean.com by using the code RTLpodcast at checkout. Grab the SnapPlate front license plate bracket for any Tesla at https://everyamp.com/RTL/ (don't forget the coupon code RTL too!). BONUS: If you're in or going to be in the greater San Francisco Bay Area, bring your car to be professionally detailed at Immaculate Reflections! They're offering a Summer special: $200 off of any paint correction service, $500 off of any ceramic coating package, and 15% off of any PPF package. Check out his website at irdetailing.com
If you're tired of chasing one-off ebook/course sales and want income that stacks every month, a low-key membership is the fastest, simplest path—built with tools you already use (Zoom + Facebook/WhatsApp + your email service). In my latest Blogger Genius episode, I break down the exact approach (plus 2 copy-and-paste AI prompts) to design, launch, and grow a membership that compounds without burning you out. Show Notes: MiloTree Free Plan Low-Key Membership Prompt Pack Digital Product Ladder AI Prompt (Free Download) 6 Purchasing Triggers Test Join The Blogger Genius Newsletter Become a Blogger Genius Facebook Group Subscribe to the Blogger Genius Podcast: iTunes YouTube Spotify TL;DR (Problem → Solution) Problem: One-off product sales force you to keep launching and promoting to make money and for many people that is hard. Solution: A low-key membership: 2 Zoom sessions/month + lightweight community + simple emails. That's it. Recurring payments keep coming in—even when you're not launching. Why “Low-Key Memberships” Win in 2025 Recurring revenue > one-offs: Each new member adds to your baseline. Members stay for community, not modules: Overstuffed content = churn. Connection and momentum = retention. Zero tech headaches: Use platforms people already check daily (FB/WhatsApp) and Zoom they already know. Real-world results shared in the episode: Weight-loss creator: $300/mo → $2,800/mo with Zoom + private FB group. Anxiety coach: $4,100/mo with WhatsApp + biweekly calls. Your Starter Stack (Keep It Simple) Delivery: 2 Zoom sessions/month (Teaching + Q&A). Community: Facebook Group or WhatsApp for quick wins + peer support. Communication: Your existing email service provider (Mailchimp, MailerLite, Flodesk, ConvertKit). Payments & pages: MiloTree—AI sales pages, Stripe checkout, recurring billing. Start free to grow your list; upgrade when you're ready to accept membership payments. 7-Day Launch Plan (No Pre-Recorded Library) Day 1: Pick your promise (one painful problem you'll help members solve monthly). Day 2: Post your interest waitlist with a freebie (see below). Day 3: Price: $27–$97/mo. Add a 10× annual option (e.g., $47/mo or $470/yr). Day 4: Create an outline for your first month's sessions. Day 5: Open your MiloTree membership (AI sales page + Stripe billing). Day 6: DM warm leads (from FB groups/WhatsApp/LinkedIn) with your waitlist link. Day 7: Host a founders' kickoff (set expectations, celebrate early wins). Pro tip: Build with your members. Teach what they ask for next. That “fluid plan” keeps content laser-relevant and retention high. Copy-and-Paste AI Prompts (Use These to Build It Fast) Prompt #1 — Design your membership “Design a low-key membership for my expertise in [YOUR NICHE]. I want something simple that builds community using free platforms people already know. First, validate my niche using these six purchasing triggers: makes money, saves money, saves time, moves toward happiness, moves away from pain, raises social status (explain which apply). Then create a concept that: meets twice monthly (1 teaching call, 1 Q&A via Zoom); uses Facebook Groups/Discord/WhatsApp for interaction; uses email for schedules/recordings/updates; focuses on implementation (not info overload); builds naturally without tons of pre-created content; develops a supportive community; and is priced $27–$97/mo. Finally, give me the name, core promise, monthly structure, and an engagement + referral strategy.” Prompt #2 — Find your first members “I'm launching the [MEMBERSHIP NAME] from the previous prompt. Give me the 10 best places to attract ideal members with specific strategies. Include communities, social platforms, networking, and partnerships. For each, show how to introduce my offer naturally (not salesy), what value to lead with, and how to start DMs that convert. Also give me 5 content ideas that demonstrate expertise and nudge people toward ongoing support.” Pricing & Positioning (Simple Rules) Start $27–$97/mo; add a 10× annual plan to boost cash flow and commitment. Promise one result per month (not a giant library). Sell outcomes: “From stuck to consistent posting,” “From chaos to meal-prep routine,” “From anxiety spiral to daily calm.” Retention Playbook (Why Members Stay) Two predictable touchpoints (Teaching + Q&A). Community micro-wins (weekly check-ins, share wins, peer feedback). Fluid curriculum (teach what members ask for next). Use MiloTree to Power It (Free → Paid, Without Friction) Start free: Use MiloTree Free Plan to build your list fast—create an AI-generated opt-in page for your freebie, store the file, and deliver it automatically. When ready to charge: Upgrade to accept recurring membership payments—MiloTree auto-generates your sales page with AI and runs Stripe billing for you. Set monthly + annual prices in minutes. Freebie to Kickstart Signups Offer something your ideal member can use this week, e.g.: “7-Day Kickstart Calendar” “Swipe Files: Posts/Emails/Templates” “Quick-Wins Checklist” My freebie: Low-Key Membership AI Prompt Pack—the exact prompts above, ready to paste and launch. (Grab it below.) Show Notes / Resources MiloTree Free Plan – start building your email list and delivering freebies today. Low-Key Membership AI Prompt Pack (Free) – copy, paste, launch. Set Up Your Membership in MiloTree – add your name, price (monthly + annual), and let AI build your page; Stripe handles recurring payments. FAQ Do I need a content library before launch? No. Teach live, capture recordings, and let member questions shape the roadmap. That's what keeps it relevant and light for you. Which platform for community? Pick where your audience already is (FB Group, Instagram, Discord, WhatsApp, Slack, etc.). Lower friction = higher engagement. How soon can I hit $1K/month? Many creators reach their first $1K within ~90 days using this simple stack and outreach. Your mileage varies—but the model compounds. Call to Action
In this episode, I share why a lot of people want to get paid out in dividends even though it may not always lead to the highest long-term growth for the portfolio. Learn the value of tangibly feeling your money. CONQUER SHYNESS
The Fed just found a new way to drain your savings. It's called the $12 trillion trap, and it hides inside “safe” bonds and boring bank accounts. Give me 10 minutes and I'll show you how they built it, why rate cuts don't save you, and a simple shift real investors use to stop the bleed.
Coinbase and Cloudflare are pushing forward with X402, a new crypto-powered payments protocol for AI agents. Could agent-to-agent transactions reshape e-commerce and the web itself? Meanwhile, Tom Lee is pitching Ethereum as Wall Street's neutral chain of choice—even as critics push back—and Michael Saylor doubles down on Bitcoin as the true foundation of digital capital markets. Enjoying this content? SUBSCRIBE to the Podcast: https://pod.link/1438693620 Watch on YouTube: https://www.youtube.com/@TheBreakdownBW Subscribe to the newsletter: https://blockworks.co/newsletter/thebreakdown Join the discussion: https://discord.gg/VrKRrfKCz8 Follow on Twitter: NLW: https://twitter.com/nlw Breakdown: https://twitter.com/BreakdownBW
Crypto News: Hashdex expands Crypto Index US ETF under SEC generic listing standards. The fund is now allowed to hold crypto assets beyond Bitcoin and Eethereum including XRP, Solana, and XLM. BlackRock is launching a Bitcoin Yield ETF.Show Sponsor -
What if your mortgage worked like a checking account? What if every dollar you earned immediately reduced your interest charges? What if you could access your home's equity without getting a second loan or refinancing? Harrison George, the nation's top All-in-One loan producer, reveals a mortgage product that flips conventional wisdom on its head.Traditional mortgages trap your equity and front-load interest payments so heavily that at 5.625%, you pay 100% of your loan amount in interest alone. The All-in-One loan integrates your checking account with your mortgage, automatically sweeping deposits to reduce your daily interest calculations while maintaining full access to those funds. This isn't velocity banking with multiple accounts and complex strategies - it's velocity banking simplified into one product.Hans learns the mechanics in real-time while Brian shares his personal experience using the loan to buy property, pay insurance premiums, and access equity for investments. From SOFR-based adjustable rates that outperform fixed mortgages to qualification requirements and practical applications, this episode breaks down how the All-in-One loan can accelerate wealth building for disciplined borrowers ready to rethink everything they know about home financing.Chapters: 00:30 - Intro03:30 - Core philosophy 06:35 - Velocity banking overview and All-in-One simplification 09:40 - All-in-One mechanics: 80% LTV line of credit with integrated banking 17:10 - Debit card strategy and credit card optimization 18:55 - Property eligibility: primary, secondary, and investment properties 24:55 - Who this isn't for: lifestyle inflation and cash flow negative borrowers 26:20 - Psychological shifts: gamifying debt payoff and spending discipline 28:30 - Payment structure: no fixed payments, interest-only charges 30:15 - Emergency flexibility and foreclosure protection advantages 32:05 - Mental shifts and debt payoff gamification 34:50 - SOFR-based interest rates: monthly adjustments and margin selection 40:25 - Traditional mortgage front-loading and total interest percentages 42:00 - Harrison's philosophy on 30-year mortgages as entry tools 44:35 - Brian's IBC integration: using equity for premium payments 46:05 - Practical applications: cars, college, rental properties 1:00:25 - All-in-One loan simulator walkthrough at allinoneloan.com 1:09:10 - Future case study possibilities and closing thoughtsKey Takeaways:All-in-One Loan Mechanics:Functions as checking account integrated with mortgage - every deposit immediately reduces interest charges80% loan-to-value maximum with no traditional monthly payments, only monthly interest chargesSOFR-based rates with 2.5% to 4% margin selection (currently 6.4% to 8.3% range)700+ credit score for primary/second homes, 720+ for investment propertiesMinimum 20-25% down payment depending on property type10-15% reserves of line of credit amount in liquid assetsPositive monthly cash flow of at least 15% of net incomeProvides control and flexibility unavailable in traditional mortgagesEnables strategic use of home equity for wealth-building activitiesGot Questions? Reach out to us at info@remnantfinance.com or book a call at https://remnantfinance.com/calendar!Visit https://remnantfinance.com for more informationHarrison George Contact: Email: harrison@cmgfi.com Phone: (925) 785-6828 All-in-One Loan Calculator: https://allinoneloan.comFOLLOW REMNANT FINANCE Youtube: @RemnantFinance (https://www.youtube.com/@RemnantFinance) Facebook: @remnantfinance (https://www.facebook.com/profile.id=61560694316588) Twitter: @remnantfinance (https://x.com/remnantfinance) TikTok: @RemnantFinanceDon't forget to hit LIKE and SUBSCRIBE
Have you ever noticed how so-called “unexpected expenses” always seem to show up at the worst time? The truth is, most of these costs aren't surprises at all—we know cars will break down, homes will need repairs, and Christmas comes every year. The key is not to panic when they arrive but to prepare ahead of time. One simple tool for this is the sinking fund.Scripture has much to say about preparation. Proverbs 21:20 tells us, “Precious treasure and oil are in a wise man's dwelling, but a foolish man devours it.” In other words, wisdom means setting aside resources now instead of consuming everything immediately.We also see this principle in Genesis 41, where Joseph, warned of famine, stored one-fifth of Egypt's grain during the years of plenty. His preparation wasn't random—it was steady and systematic. That's exactly how sinking funds work: consistent contributions toward expenses we know will eventually arise.What Is a Sinking Fund?A sinking fund is money you intentionally set aside for a specific future expense. Instead of panicking at a $1,200 Christmas bill, you save $100 per month all year. Instead of reaching for a credit card when your car needs new tires, you draw from the fund you've been building.This steady, disciplined approach provides freedom from debt and peace of mind when expenses come due. It's not glamorous, but it works.Proverbs 6:6–8 points us to the ant as an example of diligence: “Without having any chief, officer, or ruler, she prepares her bread in summer and gathers her food in harvest.” The ant doesn't wait until the snow falls to collect food—she steadily prepares in advance.Trusting God doesn't mean ignoring preparation. Noah trusted God, yet he still built the ark. Farmers trusted God, yet they sowed seed. Joseph trusted God, yet he stored grain. Faith and stewardship go hand in hand.Where to StartIf you're new to sinking funds, begin with one category. Break down the expense into monthly contributions:Car repairs & replacement—Tires, brakes, or even a future vehicle.Home maintenance—Roofs, furnaces, and appliances all wear out.Medical costs—Co-pays, deductibles, or out-of-pocket expenses.Gifts & holidays—Birthdays and Christmas come every year.Insurance premiums & taxes—Annual or quarterly payments made manageable.Even small amounts—like $25 per month—add up to create margin. Over time, your “storehouses” will be ready when needs arise.In 1 Corinthians 16:2, Paul urged believers to set aside money regularly in proportion to their income to meet the church's needs. This is essentially a spiritual sinking fund—planned, systematic stewardship for Kingdom purposes.The goal isn't to hoard resources. Jesus warns in Luke 12:16–21 against stockpiling for ourselves. Instead, sinking funds free us to live responsibly and bless others without fear.Faith Expressed Through StewardshipChoose one sinking fund today. Maybe start with Christmas: divide your expected costs into monthly pieces and begin saving now. Once you've built the habit, add another fund. Before long, you'll have a system that turns stress into confidence and panic into peace.Creating sinking funds is more than a budgeting trick—it's a spiritual discipline. Each small deposit is an act of faith, demonstrating that you trust God by stewarding His provision wisely. Preparation doesn't replace faith—it reflects it.So start planning today. Build sinking funds for tomorrow. Trust God with the outcome. And remember: faith isn't just believing God will provide when the bill arrives—it's also honoring Him by preparing with the resources He has already placed in your hands.On Today's Program, Rob Answers Listener Questions:I'm retired but still working a few days a week. Social Security is still being deducted from my paycheck—what happens to that money? Will I ever get it back?I'm 66 and planning to retire in 10 months. My wife is also retiring soon. Together we earn about $180,000 a year. How can we best manage our retirement resources to maintain our current lifestyle?I didn't have financial training growing up, and now I see my kids struggling with unexpected expenses and poor money habits. Are there any books that can help shift our family's attitude toward money?I've looked into faith-based investment options, but they seem to have higher fees and less diversification compared to Vanguard or Schwab. What's your perspective on that?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Your Money Counts: The Biblical Guide to Earning, Spending, Saving, Investing, Giving, and Getting Out of Debt by Howard DaytonWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.
SHOW NOTESIn this episode, we tackle the often-overlooked topic of taxes in retirement with expert Erin Coe, an enrolled agent. Discover how to avoid unexpected penalties and interest on your IRA distributions and Roth conversions. We also share an inspiring retirement success story from Lottie, reminding us of the importance of clarity and simplicity in planning. Tune in for practical advice that will help you rock your retirement!OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN(00:00) Today Erin Coe joins Roger to talk through penalties and interest during retirement, what those things are.ROCKIN' RETIREMENT IN THE WILD(01:30) Lottie says she got caught up in ideas about the perfect retirement and it was getting in her way.PRACTICAL PLANNING SEGMENT WITH ERIN COE(03:31) Today we're going to talk about penalties and interest when it comes to taxes.(04:52) Erin explains the difference between a tax penalty and interest.(11:14) Roger asked Erin how to calculate an estimated quarterly tax if not doing safe harbor?(13:55) Erin shares her tips on tax returns.(16:08) Being prepared is always better than being taken by surprise when it comes to taxes.LISTENER QUESTIONS(16:40) Roger makes a correction on a past statement.(17:25) Jeff asks a question about the pie-cake explainer video.(20:30) Dave asks a question about helping his elderly mother with her finances.(26:11) Robert asks about getting two mortgages near retirement.SMART SPRINT(32:15) Over the next seven days, download the 1040 form and review how it applies to your retirement income. Decide whether you'll handle taxes through estimated payments, safe harbor payments, or automatic withholdings from distributions.REFERENCESSubmit a Question for RogerSign up for The NoodleThe Retirement Answer ManIRS.gov FormsFOLLOW US ON SOCIALS!Follow Us on Facebook!Follow Us on Instagram