Podcasts about Payoff

You have extra money. Should you put it toward your mortgage or invest it? The answer is very different if your mortgage rate is 3% versus 7%. In this episode of She's Talkin' Money, I'm breaking down how I actually think through this decision with clients — because “always pay off your mortgage” and “never pay it off because you can make more in the market” are both examples of generic financial advice that leave out the most important part: your actual financial situation. We're talking about how your mortgage rate changes the conversation, why liquidity matters so much, and what you may be giving up when you send every extra dollar into your house. I'll also explain why home equity is not the same thing as cash, why paying down your mortgage does not make your home appreciate faster, and why being mortgage-free is not automatically the strongest financial position. In this episode, you'll learn: why a 3% mortgage and a 7% mortgage require very different decisions how to think about where your next dollar is working hardest why liquidity should be part of the mortgage-payoff conversation the difference between building equity and reducing debt why paying down your mortgage can create an opportunity cost when I'm more interested in making additional principal payments when I'd rather see you invest the extra money how retirement changes the decision and why the emotional benefit of being mortgage-free still matters — after you understand the math You do not have to choose between “always invest” and “always pay off debt.” The better question is: What job should this next dollar be doing for you? Being mortgage-free can be a great goal. But the goal is not simply to have no mortgage. The goal is to build the strongest overall financial position you can. If you're ready for personalized, judgment-free financial guidance, learn more about working with Shari. Shari Rash is the founder of GWA Wealth, a virtual advisory firm helping women make confident, values-aligned decisions with their money. Visit GWA Wealth to explore your next step. Talkin' Points → where your money gets smarter. Real talk, practical tips, zero guilt straight to your inbox. Sign up here.  Be sure to like and follow the show on your favorite podcast app! Keep the conversation going on Instagram @shestalkinmoney Shari Rash is a financial planner and Investment Adviser Representative of GWA Wealth, a Registered Investment Adviser. This podcast is for educational purposes only and is not personalized investment, tax, or legal advice. Nothing discussed should be considered a recommendation, and listening does not create an advisory relationship. Investing involves risk, including possible loss of principal. Please consult your own financial, tax, or legal professional before making decisions based on your individual circumstances. Learn more about your ad choices. Visit megaphone.fm/adchoices

For millions of young Africans, leaving home in search of better opportunities has become an increasingly attractive option. A recent Afrobarometer survey across 38 African countries found that 55% of young people aged 18–35 have considered emigrating. Roughly 22% would prefer to remain somewhere in Africa, while 60% favour Europe or North America. Among those considering leaving, better work opportunities are the leading motivation, but is this merely about better work opportunities and what would make young Africans stay? Host, Nkechi Ogbonna, spoke to Oluwaseyi Makinde, who moved from Nigeria to Canada as a teenager, only to return to Nigeria as an adult, and Omotoke Motunrayo Fatoki who made the move from Nigeria to Rwanda. Presenter: Nkechi Ogbonna Producers: Ayuba Iliya, Carolyne Jotham and Keikantse Shumba Technical Producer: Herbert MasuaSenior Producers: Priyanka Sippy, Blessing Aderogba and Charles GitongaEditors: Daniel Dadzie, Maryam Abdalla

Matt Davies is joined by Holly Royall and Gareth Watts from the Forest Women Fancast as we discuss Nottingham Forest Women's start to the season under new manager Tom Mallinson as the team dream of promotion the Women's Super League. #nffc #nottinghamforest

Skin lost a bet and has to compete in a men's soccer league game, while also performing the Iraqi national anthem. It's weird...but now there's a twist. 

Marcus Buckland, Tom Allnutt and George Sessions of The Tottenham Way talk 'mentality monsters' after Andy Robertson's appearance on The Overlap this week. Did Robertson hit the nail on the head with Spurs' mentality issue? Is it simply a case of time and patience? Which players were inducted in Tottenham's Hall of Fame this week? How close is Dejan Kulusevski to a return? Could Luca Williams-Barnett be on Roberto De Zerbi's bench soon? And how much was Daniel Levy paid to leave Spurs? This and more is discussed.⁠⁠ #tottenhamhotspur⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠#spurs⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠#tottenham⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠#coys⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠#thfc⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠#robertodezerbi⁠⁠⁠⁠⁠ ⁠⁠#astonvilla #villa #avfc⁠⁠ #andyrobertson #daniellevy #lucawilliamsbarnett ⁠⁠⁠#mateusfernandes⁠⁠⁠ ⁠⁠⁠⁠#sav⁠io⁠⁠⁠⁠ ⁠⁠⁠⁠⁠#dominicsolanke⁠⁠⁠⁠ ⁠⁠⁠⁠#omarmarmoush⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠#mathystel⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠#mohammedkudus⁠⁠⁠⁠⁠ ⁠ ⁠⁠⁠⁠⁠#mickyvandeven⁠⁠⁠⁠⁠ #jamesmaddison⁠ ⁠⁠⁠⁠⁠⁠⁠#dejankulusevski #premierleague⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠#football⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠#soccer⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠#footballpodcast⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠#soccerpodcast⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠#sport⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠#thetottenhamway⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠#newepisode⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠#opinion⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠#reaction⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠#sport⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠#sportpodcast⁠⁠⁠⁠⁠ Learn more about your ad choices. Visit podcastchoices.com/adchoices

Five games in, two points, two goals, and Spurs are rooted to the bottom of the Premier League after spending over £300m in the summer. Three fan channels, three different views, one very uncomfortable question: how worried should we actually be? We're debating: Has this start changed what you expect from the season? Top half, Europe, or just safety? When does the De Zerbi project get judged? Is "give him time" still a fair position, or has that window already started closing? Fatigue and condition: with 11 players at the World Cup and the full squad only together ten days before Everton, is this a genuine excuse or a convenient one? Bring your own take in the comments. The best ones get read out next week. Featuring hosts from An Echo of Glory, Last Word on Spurs and We Are Tottenham TV. Subscribe and hit the bell so you catch every live show. #THFC #TOTTENHAM #SPURS

Credit cards. Personal loans. Buy Now, Pay Later. Australians are in debt in a big way. But, there’s always a way out. This Deep Dive is dedicated to helping you or someone you know eliminate debt and learn how to avoid it for good… and, all on a low income. Join Victoria for a special solo episode to firstly, shed the shame around borrowing money (by learning just how much everyone else has borrowed), then hear how to navigate your way out of debt using proven cashflow and budgeting tactics for low income earners. We’ll cover why people get into debt in the first place, the dark design of repayments, and end on a few examples to demonstrate how you might escape debt for good. Get ready for the bounceback, ‘cause the recovery is real and always within reach. PAY IT DOWN: Here’s a playlist dedicated to the art of paying down debt https://open.spotify.com/playlist/02sw2NObvt18jd0ayvIHn3?si=qOdbgLrBS3STvMzELWiAqg PERVE ON OTHER PEOPLE’S DEBT: Learn how much credit card debt other Aussies actually have by searching ‘debt’ on the blog: www.shesonthemoney.com/blog CONTACT THE NATIONAL DEBT HELPLINE: Visit the National Debt Helpline at ndh.org.au/financial-counselling/what-is-financial-counselling/ for free, confidential, and independent support for getting out of debt, gang. New here? Follow us on Instagram (@shesonthemoneyaus) for Q&As, bite-sized advice, daily money inspo... and relatable money memes that just get you. Acknowledgement of Country By Nartarsha Bamblett (nartarshabamblett.com.au) The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 4451289See omnystudio.com/listener for privacy information.

Have multiple years of unfiled tax returns or owe at least $10,000 in back taxes? Book your FREE consultation with Choice Tax Relief by calling 866-8000-TAX or booking here:https://choicetaxrelief.com/free-unfi...Can refunds from unfiled tax returns cover old IRS debt before a levy? In this video, I respond to a viewer who owes about $20,000 for 2018 and 2019 and expects refunds from their 2023–2025 returns.I explain why the exact IRS notice matters, how to ask for a collection hold, why filing promptly is important, and what to consider if you received an LT11 or CP90. We also cover checking the current balance with penalties and interest and reviewing each tax year separately.CHAPTERS0:00 $20,000 owed and refunds from unfiled returns0:51 Identify the IRS levy notice1:42 Asking the IRS for a collection hold2:18 Filing the returns and refund deadlines3:55 LT11, CP90, and hearing options5:38 Check the current balance and each tax year6:56 Recap: contact the IRS and file promptly7:36 Get help from Choice Tax ReliefWATCH NEXTHaven't Filed Taxes in Years and Can't Pay? Start Here:   • Haven't Filed Taxes in Years and Can't Pay...  TIMING NOTEThe filing-year discussion refers to 2026. At 3:37, the reference to the calendar-year 2025 e-file shutdown should be 2026. Check current IRS filing availability and the deadline printed on your notice. An equivalent hearing does not provide the same automatic levy protection as a timely CDP hearing.IRS resources:https://www.irs.gov/appeals/collectio...https://www.irs.gov/individuals/under...#UnfiledTaxReturns #TaxDebt #IRS

Slow, lyrical music can be beautiful, but it also exposes everything: tone, pitch, attacks, releases, balance, breath, bow control, and focus. Alan and Steve discuss when lyrical programming helps students grow, when it creates too much risk, and how to build in moments of sustain and phrasing without going too far. Whether through a full lyrical work or a shorter expressive section inside a faster piece, the goal is to follow our basic rule: Make it Sound Good. Become an Insider for ad-free episodes, early releases, bonus content, and more! https://musicedinsights.supercast.com/

In dieser Folge erkläre ich, warum sich Investieren bereits mit kleinen Beträgen lohnt. Ich teile meine persönlichen Erfahrungen aus der Anfangszeit meiner Investmentreise. Es geht darum, dass die gesammelten Erfahrungen langfristig viel wertvoller sind als der unmittelbare Gewinn. Ich zeige auf, wie wichtig es ist, früh zu starten, um langfristig vom Zinseszinseffekt zu profitieren.

How to get your next 100 customers: https://howtogetyournext100clients.lovable.app/Get The Joy of Financial Freedom https://amzn.eu/d/00BwvCIQFollow.Odunayo O Ajayi https://www.instagram.com/odunayooajayi/Get Outreach Habit Tracker: https://outreachhabittracker.lovable.app/Open LEMFI account use promo code ( PAULFOH) You get GBP £50 when you verify your account and send over GBP 100.0 with my referral link - https://referral.lemfi.com/LBHKFOurC5bBUY A HOUSE IN THE UK FROM NIGERIAN WEBINAR: https://webinar.bablohomes.co.uk/rental-incomeBook my calendar: https://sales-scalemate.lovable.app/Join my book club/ Community: https://paulfoh.com/community/Read my newsletter: https://paulfoh.substack.com/Follow me on Linkedin: https://www.linkedin.com/in/paul-foh-60a09720/Follow me on Instagram: https://www.instagram.com/paulfoh/

In this episode, Jamel Gibbs sits down with Anthony Rushing to discuss how real estate investors can use first-lien HELOCs on rental properties to access equity, increase liquidity, reduce debt, and potentially grow their portfolios.They break down:• How first-lien HELOCs work on rental properties• First-lien HELOCs vs. traditional mortgages and second-lien HELOCs• How investors can use rental equity as accessible capital• Strategies for paying off rental properties faster• Using increased cash flow to reduce portfolio debt• Qualification requirements, including credit, equity, and income• Challenges self-employed investors may face when qualifying• When using a HELOC may—or may not—make senseThis conversation is designed to help rental property owners better understand how their existing equity can potentially be used to create liquidity, manage debt, and make more strategic real estate investing decisions.Connect with Anthony Rushing:https://dealproacademy.com/heloc-traininghttps://dealproacademy.com/helocshttps://dealproacademy.com/heloc-calculatorConnect with Jamel Gibbs:https://linktr.ee/jamelgibbsApply for Mentorship:https://DealProCoaching.com

First day on the ice for the Senators, gambling on André Burakovsky, and will the Jays make the playoffs.

Two years after Juan Soto chose the Mets over the Yankees, Evan Roberts admits the early results have been painful for Mets fans. The Yankees have kept reaching October, while the Mets have missed the postseason, sparking a debate over whether adding Max Fried and Cody Bellinger ultimately left the Yankees in a better short-term position than simply keeping Soto. The conversation also turns to a fascinating Mets what-if: if Soto had stayed with the Yankees, would Pete Alonso still be in Queens? Plus, Evan weighs the emotional value of a potential Knicks championship banner night against a Yankees playoff game, and the Yankees make roster moves by bringing back Clarke Schmidt while designating Oswaldo Cabrera for assignment.

Curious? Take The Free Money Stress Quiz!Ready? Buy Our Simplified Budget System Now!Budget besties, what do you do when more money finally starts coming in…but you also have debt, vacations, savings goals, and about 47 other things competing for those dollars?In this episode, we're sharing real coaching situations that show why there usually isn't one “perfect” answer.One client had been dealing with significantly smaller paychecks for months while her husband went through recurring pilot training. Their lifestyle wasn't outrageous—but their income had dropped by thousands of dollars some months, and credit cards became the way they filled the gap.Then the regular paychecks came back.And a lump sum of money was coming in.Cue the question we hear all the time: What do we do with it?They wanted to refill savings buckets, but they were also carrying around $50,000 in credit card debt with interest rates hovering around 28–30%. Sometimes the exciting answer is funding all the things we want to do. Sometimes the answer is a little more boring: create breathing room by knocking out expensive debt.But we're not stopping there.Because if you already know a lower-income season is going to happen again in five years? We can start preparing for it now. Figure out how much income was missing during that six-month period, divide that amount over the years ahead, and start building a savings bucket for Future You.Then we're flipping the situation and talking vacations.One of our coaching clients is working aggressively toward paying off debt—but she already had trips booked before coaching started. And budget besties, buying the plane ticket does not mean the vacation is paid for.We still need to think about:FoodTransportationActivitiesEntertainmentSouvenirs and spending moneyAnd yes…maybe the spa, cabana, champagne, or whatever else we know we're realistically going to wantWhen we mapped out one client's trips honestly, her original vacation estimate was about $2,000 short.That's why we would rather put the real number in the budget upfront than pretend we'll suddenly become completely different people once we land in Paris.And if funding an already-committed trip means pausing extra debt payments for a minute? That doesn't automatically mean you're going backward.You can fund the expense in cash, avoid adding new debt, and then keep moving toward your bigger goal.The same goes for deciding how quickly you want to pay debt off. One former client made it very clear that vacations were staying in his life. So the agreement became simple: future vacations get paid for in cash while he continues paying off the old debt.Could he have paid everything off faster without traveling? Sure.But that wasn't his priority.And that's the point.Your budget needs to reflect your actual life, your priorities, and your goals—not somebody else's timeline.Sometimes we need another set of eyes to help us decide what gets funded first, what can wait, and how to create guardrails without making life miserable. That's where ongoing accountability through financial coaching, office hours, and a supportive budgeting community can be so helpful.Let's Take Our Relationship To The Next Level:1️⃣ Facebook Group ➡︎ budgetbesties.com/facebook2️⃣ Be on the Podcast ➡︎ budgetbesties.com/livecall3️⃣ Private 1-on-1 Coaching. ➡︎ budgetbesties.com/coachingThis podcast is for educational and informational purposes only and is not personal financial, legal, or tax advice.This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase.Click here to view our privacy policy.

Today on the show - Marianna Hunt is here to answer whether using money from your pension to pay off your mortgage makes sense. We’ve run the numbers to help you decide. Ed Monk is joined by Marianna Hunt to provide a well-balanced take on the latest financial developments together with expert insights to help you grow your capital, manage your investment portfolio and make the most of the money markets. Popular for its jargon-free approach, clear analysis and fresh perspective, The Personal Investor podcast helps shine a light on the latest market developments for the savvy UK investor.See omnystudio.com/listener for privacy information.

In this episode, Peggy Beauregard shares her extensive knowledge on financial literacy, real estate investing, and building wealth through strategic planning and education. Discover actionable strategies, age-specific teaching modules, and insights from a seasoned investor and educator.   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   —--------------------

Lee and Simon are here to review week 1 of the 2026 season as the Dolphins suffer a loss to the Raiders.As always though, we're here to identify the positives out of a disappointing loss. Listen to what we have picked out and let us know if you agree!Also, there were disappointing elements to the game and performance and we highlight those too, and there's plenty to work on as we head into week 2...

Waiting to pay off debt is costing you more than you think. In this episode of The Table, Anthony O'Neal breaks down what carrying high-interest consumer debt can cost you every year, why avoidance and shame keep people stuck, and what that same money could become if it were redirected toward building your future. He shares his five-step plan for attacking debt, including calculating your “waiting tax,” using the debt snowball, finding margin in your budget, building an emergency buffer, and setting a real debt-free deadline. Financial freedom doesn't begin when you finally have enough money. It begins when you decide to stop waiting.Mentioned Here: -

In this episode, Grant Lee shares his journey from curiosity about real estate to becoming a senior loan officer and entrepreneur. He discusses his unique approach to mortgage solutions, building relationships, and scaling his business in a competitive market.   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   —--------------------

With a narrow House majority up for grabs in the midterms, states and lawmakers across the country are navigating high-stakes legislative battles and shifting campaign tactics. Fox News Chief Congressional Correspondent Chad Pergram joins to discuss President Trump's proposed $5,000 "dividend" for voters, the fiscal fallout of rising national deficits and tariff policies, and upcoming Congressional votes over cryptocurrency, college sports reform, AM radio mandates, and AI regulation.Plus, retired Navy Commander Kirk Lippold joins to discuss the ongoing threat of global terrorism and state-sponsored adversaries on the anniversary of 9/11, reflecting on his firsthand experience at the CIA during the 2001 attacks, the U.S. response to Iran and China, and the lasting legacy of American service members. Learn more about your ad choices. Visit podcastchoices.com/adchoices

With a narrow House majority up for grabs in the midterms, states and lawmakers across the country are navigating high-stakes legislative battles and shifting campaign tactics. Fox News Chief Congressional Correspondent Chad Pergram joins to discuss President Trump's proposed $5,000 "dividend" for voters, the fiscal fallout of rising national deficits and tariff policies, and upcoming Congressional votes over cryptocurrency, college sports reform, AM radio mandates, and AI regulation.Plus, retired Navy Commander Kirk Lippold joins to discuss the ongoing threat of global terrorism and state-sponsored adversaries on the anniversary of 9/11, reflecting on his firsthand experience at the CIA during the 2001 attacks, the U.S. response to Iran and China, and the lasting legacy of American service members. Learn more about your ad choices. Visit podcastchoices.com/adchoices

With a narrow House majority up for grabs in the midterms, states and lawmakers across the country are navigating high-stakes legislative battles and shifting campaign tactics. Fox News Chief Congressional Correspondent Chad Pergram joins to discuss President Trump's proposed $5,000 "dividend" for voters, the fiscal fallout of rising national deficits and tariff policies, and upcoming Congressional votes over cryptocurrency, college sports reform, AM radio mandates, and AI regulation.Plus, retired Navy Commander Kirk Lippold joins to discuss the ongoing threat of global terrorism and state-sponsored adversaries on the anniversary of 9/11, reflecting on his firsthand experience at the CIA during the 2001 attacks, the U.S. response to Iran and China, and the lasting legacy of American service members. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Ian Cassel, founder of MicroCapClub and author of Stock Picker, joins Jeff Malec to walk through the underfollowed world of micro cap stocks, tiny, illiquid public companies where most 10x winners are born. He shares his journey from blowing up a dot‑com era portfolio to rebuilding it with XM Satellite Radio, explains why structural inefficiencies and lack of institutional capital create opportunity, and breaks down how he evaluates management, survives volatility, and finds small, profitable businesses that can self-fund growth. Along the way, they compare micro caps to private equity and venture, discuss global markets from Canada to Australia, and explore why serious stock pickers and small business owners are increasingly drawn to this overlooked corner of public markets.  SEND IT!Chapters:00:00-01:06= Intro01:07-04:22= Hometown Roots and Micro Cap 10104:23-19:14= From Penny Stock Stigma to Informational Edge: Ian's Micro Cap Origin Story19:15-38:15= Illiquidity Edge: Why Owning Every Micro Cap Fails (and Stock Picking Wins)38:16–50:49 = Betting on People: Management Upgrades, Tailwinds, and 10x Setups50:50–1:01:33 = Living Off Your Portfolio: The Psychology, Pain, and Payoff of Being a Stock Picker01:01:34-01:05:02 = Philly Sports, Risk, and Wrapping Up with ‘Stock Picker'From the Episode:Stock Picker (Book): Amazon | MicroCapClubRoadrunner Podcast episode Follow along with Ian and MicroCapClub ⁠on LinkedIn, and be sure to check out microcapclub.com to learn more about what they are up to.Don't forget to subscribe to⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Derivative⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, follow us on Twitter at⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@rcmAlts⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠sign-up for our blog digest⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.Disclaimer: This podcast is provided for informational purposes only and should not be relied upon as legal, business, or tax advice. All opinions expressed by podcast participants are solely their own opinions and do not necessarily reflect the opinions of RCM Alternatives, their affiliates, or companies featured. Due to industry regulations, participants on this podcast are instructed not to make specific trade recommendations, nor reference past or potential profits. And listeners are reminded that managed futures, commodity trading, and other alternative investments are complex and carry a risk of substantial losses. As such, they are not suitable for all investors. For more information, visit⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.rcmalternatives.com/disclaimer⁠⁠⁠⁠⁠

America is pouring money into artificial intelligence — but the productivity gains have yet to fully show up in the economy.Employers added 162,000 jobs in August and unemployment held at 4.1%, but PhD economist Orphe Divounguy says the latest labor market data look more like a stabilization than a true rebound. Hiring remains weak, real wages are falling, long-term unemployment is rising, and the labor force is nearly a million workers smaller.At the same time, businesses are making massive investments in AI infrastructure. Equipment and intellectual property investment accounted for a significant share of recent economic growth, while construction spending has shifted heavily toward data centers.So where is the payoff?Chris Krug and Orphe Divounguy examine whether AI is actually increasing productivity, why businesses are still figuring out how to use the technology, and what could happen to workers as AI changes the skills employers need. They also compare today's transition to previous technological shifts, including the adoption of electricity.Everyday Economics is hosted by Chris Krug and PhD economist Orphe Divounguy and is brought to you by The Center Square. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Learn more about Refrigeration Mentor Customized Technical Training Programs at www.refrigerationmentor.com/courses Join the Refrigeration Mentor Hub here In this episode, we're talking about the growing skills and knowledge gap in the refrigeration industry and why that gap represents a massive opportunity. With more experienced technicians retiring, increasingly complex equipment and new technologies like CO2 and A2Ls entering the field, the demand for highly skilled refrigeration technicians continues to grow. We talk about specialization, learning controls, startups and commissioning, becoming more resourceful, and building the skills that allow refrigeration technicians to solve harder problems and command higher wages. In this episode, we discuss: (00:48) The Growing Refrigeration Skills Gap (02:00) Why Refrigeration Technicians Are In High Demand (04:00) The Versatility Of A Refrigeration Technician (06:00) Why Refrigeration Skills Create Career Opportunities (08:00) Specializing In CO2, Controls And A2Ls (12:00) Identifying Your Biggest Skill Gaps (14:00) Learning Controls  (16:00) Why Modern Refrigeration Systems Are More Complex (22:00) The Importance Of Mentorship And Asking Questions (24:00) Specialization In Startups And Commissioning (28:00) Adapting To New Refrigeration Technology (30:00) Why Refrigeration Is A Recession-Resistant Career (32:00) Adapting To The Next Generation Of Technicians (34:00) The Opportunity Ahead For Refrigeration Technicians Helpful Links & Resources: Episode 374. Growing the Refrigeration Industry Globally with World Refrigeration Day Founder, Steve Gill Episode 364. Addressing Technician Shortages & Oil Analysis Episode 288. The Payoff of Investing Time & Money in Training with Jesse Stewart

Sunday Night's Main Event, RAW, SmackDown – wir schnacken ausführlich über WWE und legen den Finger in so einige Wunden. Vieles ist zu unglaubwürdig, zu ungefährlich, zu konsequenzlos. Charaktere sind flach, Storys liefern nicht immer den Payoff und irgendwie ist alles zu sehr Einheitsbrei... – eine normale schwache Phase und bald wieder cool oder steckt mehr dahinter? Im Fokus u.a.: Eine konfuse Bloodline vs Royce Keys & OTM, Cody "strunzdumm" Rhodes vs Randy Orton, Bron "Die Pubertät" Breakker vs Oba Femi, CM Punk vs Johnny Gargano (!?) und den wilden Haufen um Zayn, Owens und Balor, uvm. Highlight: Die beste Story im Wrestling (die noch nicht erzählt wurde)! Wir freuen uns wie immer mega über Kommentare und Feedback auf Instagram, Threads, Bluesky, Twitter & Facebook. Unterstützt den SCHWITZKASTEN gern auch auf Patreon dabei, der beste deutsche Wrestling Podcast zu sein.

Big Tech is pouring more than $1.4 trillion into AI, prompting investors to ask: Is it worth it? Our U.S. Internet analyst Brian Nowak looks at three business models that could earn 25 to 50 percent returns for Gen-AI-enabled technologies.Read more insights from Morgan Stanley.----- Transcript -----Brian Nowak: Welcome to Thoughts on the Market. I'm Brian Nowak, Morgan Stanley's U.S. Internet analyst.Today, can the enormous investment behind Gen AI actually pay off?It's Wednesday, September 9th, at 9am in New York.AI has moved quickly into everyday life. It helps people write software, research purchases, automate work, find information, among myriad[s] of other use cases.But we need an infrastructure build-out of extraordinary scale to support all of this activity and more activity to come.In all, we estimate that the major cloud providers are going to spend more than $1.4 trillion on this AI build-out next year alone. But compute capacity is potentially going to quadruple from 2025 to 2028, reaching roughly 120 gigawatts.But all of the spending has raised a lot of questions for investors. One of the most common questions is: What kind of return on invested capital can these companies earn from all of these trillions of dollars of data center infrastructure investment?Well, our bottom-up work points to encouraging answers to this question.We see paths to roughly 25 to 50 percent return on invested capital, or ROIC, across three emerging AI business models. Now, ROIC is a useful way of measuring whether investments pay off. Think of it as how much after-tax operating profit can be generated relative to the capital required in the first place.The first business model we've analyzed is renting compute power. This is the infrastructure layer of the AI economy. Cloud providers build data centers filled with advanced graphics processing units, or GPUs, and rent that compute capacity to customers. In our base case, a large next-generation data center can generate a return on invested capital of roughly 30 percent simply renting AI compute power.And even if rental prices move around, our scenarios still produce returns ranging from low 20s percent to nearly 40 percent. So, despite the enormous cost of building and capital being deployed for these facilities, we think the economics here are quite attractive.The second business model we've analyzed is where an AI lab has their own model, and they also own their own infrastructure. They give access to their model through an API to consumers and enterprises who then build upon it, they utilize the model. In some cases, they build applications using that model that can be future sources of productivity or efficiency for the economy.In this scenario, we think the economics can be even stronger. When the model developer owns their own underlying infrastructure, our base case generates a roughly 75 percent incremental operating margin and a return on invested capital of 40 percent plus.These returns on invested capital are impressive, but what determines whether these returns can actually materialize?Well, two things matter a lot. The first is the price the developers are able to charge for tokens, which are the units of information that AI models process. The second factor that matters considerably is how efficient[ly] can this infrastructure process these tokens.This is why continued improvements in chips and software to drive higher token throughput – or more tokens per GPU per second – are critical to the long-term unit economics across this AI ecosystem.The third model we've analyzed is when the AI developers rent their compute infrastructure rather than owning it. So, effectively, they are paying someone else for the data centers and the GPUs that they need. While this lowers their returns on invested capital because another provider takes a piece of the unit economics, our base case still produces roughly a 30 percent incremental operating margin and 25 percent post-tax return potential.So, while the AI build-out requires enormous investment, the size of the spending alone doesn't tell the whole story about whether or not there are economic returns to come.What ultimately matters is the revenue and profit that the infrastructure can generate. And as more of the infrastructure shifts from training AI models to serving customers through emerging products and inference, we think we're going to get a much clearer answer to this question investors are asking today.Was all this spending worth it? Our research suggests: Yes.Thanks for listening. If you enjoy the show, please leave a review wherever you listen and share Thoughts on the Market with a friend or colleague today.

Should you invest your extra money or use it to pay off your mortgage early? In this episode, we tackle that question from Brian, a 35-year-old dad with two kids and an extra $1,000 per month. His ultimate goal isn't simply building the biggest net worth possible. He wants to work less and spend more time with his family. We walk through a practical path that prioritizes building a strong financial foundation, reaching Coast FIRE, working toward mortgage freedom, and ultimately using that financial flexibility to create more time, space and margin. We also answer a question from a 40-year-old listener with $700,000 invested for retirement who wonders: Can you actually save too much for retirement? We explore how Coast FIRE can help us determine when we may have enough invested for the future, why time has an opportunity cost too, and how pulling back on retirement contributions could allow us to enjoy more of our lives today. And to close things out, Calvin Hill joins us for another Money Quiz! We talk investing, the difference between making more money and making more time, and the surprising amount of money generated by the company behind his favorite game, Clash Royale. RESOURCES: Boldin:https://marriagekidsandmoney.com/boldin Coast FIRE Calculator:https://marriagekidsandmoney.com/calculators/coast-fire/ Nectarine (Advice-Only Financial Advisors):https://marriagekidsandmoney.com/nectarine Leave us a voicemail:https://marriagekidsandmoney.com/voicemail CREDITS: Host: Andy Hill, AFC® Podcast Editor: Johnny Sohl Podcast Support: Michelle Ahmed Learn more about your ad choices. Visit megaphone.fm/adchoices

Art explains why using home equity to pay off credit card debt can place your home at unnecessary risk. He also discusses what to do with an old 401(k) after changing jobs and draws several important financial lessons from a listener's story about starting late.Resources:8 Money MilestonesAsk a Money Question!

A big question a lot of homeowners have as they approach retirement - Should you pay off your mortgage now or wait? - And often, the right answer involves more than simply comparing interest rates. Michael Bogardus, a Certified Financial Planner with the Harbor Oak Team at Barnum Financial Group in Shelton, Connecticut, joins Rob Hart on the WBBM Noon Business Hour with the details.

I've sold over $20 million in coaching online. And the biggest thing I've learned? Stop trying to convince people to buy. It never works. Why? Because people buy for one reason and one reason only: because they feel like it. So the question is: how do you help them feel like buying your thing? Today, I'm giving you the exact 3 strategies I use to sell high-ticket offers — without pressure, without pitching hard, and without ever trying to close anyone. If you're tired of chasing sales, this is going to change how you sell forever. Chapters 00:00 Introduction: The Key to High-Ticket Sales00:25 The Myth of Convincing Buyers01:02 Why People Buy What They Want02:22 The Power of an Irresistible Offer05:00 Selling to Pre-Sold Clients11:32 Focusing on the Payoff and Transformation18:47 Divorcing Yourself from the Outcome25:08 Faith, Sovereignty, and Trust in Sales28:54 The Power of Leaning Out in Sales31:57 Serving Generously to Create Demand

We're kicking off our tenth season of Future U. And as a new school year gets underway, Jeff and Michael reflect on a slew of pressing issues facing higher ed. Forget the idea that every college has to be comprehensive. The new challenge for every college will be deciding what to offer and how to sell their value to increasingly skeptical students and parents. And college leaders must also contend with new directives from the Education Department, what to do about AI, a growing loneliness crisis on campus, and more. This episode is made with support from Ascendium Education Group.Chapters0:00 - Intro2:17 - Four Tests Colleges Should Have for Offering a Degree8:16 - The Challenge of Measuring Student Outcomes10:33 - Facing the Realities of the One Big Beautiful Bill13:00 - Is Coherence in AI Policy a Bug or a Feature?18:10 - MIT's ‘Clarion Call' About AI19:51 - Cheating Is Not the Problem21:02 - Is College Still Worth It?24:30 - College Is More Than Just Classes27:47 - Unpacking the Linda McMahon Letter29:50 - Colleges Try to Be Clearer About Price30:54 - Can AI Reduce Administrative Costs?32:16 - But Aren't Students Still Clamoring to Go to College?35:31 - Is Dual Enrollment the Answer?38:41 - A Growing Student Loneliness Crisis40:26 - Will the University of California Bring Back the SAT?41:41 - Previewing Future EpisodesRelevant Links:“Leading Faculty in an AI Era,” by Jeff Selingo.“From Programs to Payoff,” by Jeff Selingo.“The Value of Live in a World of Abundant AI,” by Michael Horn on Substack.“For Those Who Think Earnings Premium Accountability Started With OBBB,” by Phil Hill in OnEdTech.“AI can now credibly complete most undergraduate assignments, MIT warns,” in The Washington Post.“McMahon's ‘National Call to Action' Draws Measured Response From Higher Education,” in US News and World Report.“UC Expedites Timeline for Determining Whether to Restore Testing Requirement,” in Inside Higher Ed.“Even College Students Have Stopped Hanging Out,” in The Atlantic.

Learn more about Refrigeration Mentor Customized Technical Training Programs at www.refrigerationmentor.com/courses Join the Refrigeration Mentor Hub here In this episode, I'm sharing some of the tips, resources and materials refrigerators should be checking out to learn refrigeration faster. These tips and resources need to be utilized both on that job and after work, things like manuals, processes, checklists, and investing in additional training after hours. We'll also discuss documenting service call steps, reviewing for missing details, and using on site data AI to refine concise checklists and get to the root of issues. These are the keys that the best techs use to stop guessing on service calls and solve issues faster and more confidently. In this episode, we cover:  (01:51) Writing Things Down to Learn (02:43) Repetition Builds Mastery (03:14) CO2 Procedures Step by Step (05:16 Teaching Like a Mentor (07:08) Building A Framework for Any System (08:55) Using AI in Refrigeration (09:57) Knowing Normal Data (11:20) Building Habits That Stick Helpful Links & Resources: BOOK: Atomic Habits by James Clear Episode 413. My 4-Pillar Framework to Learn CO2 Refrigeration Faster Episode 288. The Payoff of Investing Time & Money in Training with Jesse Stewart

Evan Huck, CEO and co-founder of UserEvidence, opens up about the hard decision to shift from a tried-and-true outbound sales playbook to a long-term brand-building strategy. After eight straight quarters of flat pipeline growth, Evan had to trust the process, convince his board to stay the course, and rethink how UserEvidence reached its ideal customers. In this conversation, he shares what it takes to stay patient when results don't come fast, how to balance short-term pipeline needs with brand investments, and why the payoff was worth the wait. Evan also shares: - Why eight quarters of flat pipeline tested their commitment to brand over quick wins - How UserEvidence narrowed its ICP to unlock stronger growth - Why creative, one-to-one outreach can still break through with enterprise buyers - How Slack communities helped build credibility and generate early enterprise demand - Why product marketing came before demand generation in building the GTM engine - How customer advocacy became an increasingly powerful source of growth Chapters: 00:00 Introduction to Evan Huck and UserEvidence 04:31 From SDR to CEO: Evan's GTM Journey 07:54 Why UserEvidence Bet on Brand 09:31 Eight Quarters of Crickets: Waiting for Brand to Pay Off 12:30 Narrowing the ICP to Unlock Growth 13:51 The CEO Hustle Behind Enterprise Growth 16:00 Building Credibility Through Communities 18:00 Why the Right Team Matters 19:14 Why Product Marketing Came First 20:39 Turning Customers Into a Growth Engine 22:07 The "Chill, Humble" Leadership Philosophy 22:43 Evan's Favorite Book for Founders Try UserEvidence: userevidence.com

Get the 200+ Page Optimal Living Daily Workbook (PDF) - Free. Want to turn today's episode into an actionable plan? Join the Optimal Living Weekly newsletter and I'll send you our 200-page digital workbook immediately. It's packed with the best takeaways from the show, formatted for easy reading and implementation at home. Get your free PDF workbook here: https://oldpodcast.eo.page/join Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com Episode 3686: Jessica Thiefels explains how she and her husband paid off their loans a full year ahead of schedule using three unglamorous tactics. They updated their budget weekly so they always knew exactly what was left to spend, cut back sharply on eating out without giving it up altogether, and added a side hustle that took their monthly saving from the low hundreds to nearly double that. She makes the case that the short-term sacrifice is worth the long-term payoff, and that being debt-free is within reach for anyone willing to track the numbers honestly. Read along with the original article(s) here: https://moneyminiblog.com/debt-relief/simple-tactics-pay-off-loans-early Quotes to ponder: "Turning my writing and marketing skills into a side hustle allowed us to take our savings to the next level." "Note I didn't say that you need to cut it out altogether; just dial back." "How different would your life be if you weren't burdened by loans?" Optimal Finance Daily is a daily personal finance podcast where we narrate the best articles on financial independence, investing, saving money, and money management, read to you by a professional narrator so you can grow your wealth a little more every day. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, Miguel Gonzalez discusses how emergency savings, interest rates, debt, long-term goals, and changing financial priorities can help determine where your extra money should go. He also explains why the answer doesn't always have to be all-or-nothing.Miguel Gonzalez is a Certified Retirement Counselor (CRC) with over 25 years of experience helping individuals and families design retirement income strategies and long-term financial plans. He is the Managing Partner of Cortburg Retirement Advisors, a boutique firm focused on retirement planning, investment management, and financial clarity.#SaveOrInvest #PayOffDebt #FinancialPlanning #PersonalFinance #SavingMoney #Investing #DebtManagement #EmergencySavings #MoneyManagement #FinancialWellness #CortburgSpeaksRetirement #MiguelXGonzalez #RetirementPlanning #FinancialGoals #MoneyHabits #FinancialEducation #DebtFree #InvestingForBeginners #FinancialConfidence #SmartMoneyMovesWelcome to Cortburg Speaks Retirement Podcast with Miguel Gonzalez, MBA, AIF®, CPFA®, CRC® CLICK HERE TO LISTEN TO MIGUEL'S LATEST PODCAST FOLLOW US ON: YouTube->https://m.youtube.com/c/CORTBURGRETIREMENTADVISORSFacebook-> https://m.facebook.com/CortburgIncTwitter-> https://twitter.com/CortburgIncLinkedIn->https://www.linkedin.com/in/miguelxgonzalez/Website: www.CortburgRetirement.comEmail:     Miguel@CortburgRetirement.com

Get the 200+ Page Optimal Living Daily Workbook (PDF) - Free. Want to turn today's episode into an actionable plan? Join the Optimal Living Weekly newsletter and I'll send you our 200-page digital workbook immediately. It's packed with the best takeaways from the show, formatted for easy reading and implementation at home. Get your free PDF workbook here: https://oldpodcast.eo.page/join Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com Episode 3686: Jessica Thiefels explains how she and her husband paid off their loans a full year ahead of schedule using three unglamorous tactics. They updated their budget weekly so they always knew exactly what was left to spend, cut back sharply on eating out without giving it up altogether, and added a side hustle that took their monthly saving from the low hundreds to nearly double that. She makes the case that the short-term sacrifice is worth the long-term payoff, and that being debt-free is within reach for anyone willing to track the numbers honestly. Read along with the original article(s) here: https://moneyminiblog.com/debt-relief/simple-tactics-pay-off-loans-early Quotes to ponder: "Turning my writing and marketing skills into a side hustle allowed us to take our savings to the next level." "Note I didn't say that you need to cut it out altogether; just dial back." "How different would your life be if you weren't burdened by loans?" Optimal Finance Daily is a daily personal finance podcast where we narrate the best articles on financial independence, investing, saving money, and money management, read to you by a professional narrator so you can grow your wealth a little more every day. Learn more about your ad choices. Visit megaphone.fm/adchoices

The Arizona Cardinals' initial 53-man roster construction came with a handful of surprise moves this week. But which one will end up paying the most dividends? Tyler Drake and Lauren Koval take a closer look! Subscribe, rate 5 stars and follow @AZCardsCorner, @Tdrake4sports and @koval_lauren on X!

Howie Kurtz on progressive influencers quietly accepting money from political campaigns, the Pentagon assigning conservative commentators to government civilian roles, and President Trump threatening to report Meet the Press host Kristen Welker to the FCC. Learn more about your ad choices. Visit podcastchoices.com/adchoices

When Dan Morgan stepped into the General Manager role for the Carolina Panthers, he brought a unique blueprint to the front office. As a former Pro Bowl middle linebacker who set a Super Bowl record with 25 tackles, Morgan knows exactly what a championship-caliber interior defense requires. But has his aggressive reconstruction of the inside linebacker room actually fixed the position, or has it exposed deeper roster-building flaws?In this deep dive, we break down every single off-ball linebacker transaction under Morgan's tenure—from initial veteran stopgaps to shocking free agency U-turns. We trace the initial 2024 blueprint when Morgan brought in veteran Josey Jewell, re-signed core depth, and targeted Justin Strnad before his sudden change of heart. We examine how Morgan navigated unexpected adversity when Jewell was forced into retirement due to lingering concussion symptoms, forcing the front office to scramble with bridge options like Christian Rozeboom and waiver wire claims like Maema Njongmeta.The core of the debate lands heavily on Morgan's draft philosophy. In 2024, the Panthers selected Kentucky's explosive 21-year-old athlete Trevin Wallace at Pick 72, passing on local NC State legend and Bednarik/Butkus award winner Payton Wilson, who slid to Pittsburgh at Pick 98 due to long-term medical red flags. We go head-to-head on the stats between Wallace and Wilson to analyze whether Morgan's bet on youth and athletic traits over immediate college production was the right call. Finally, we look at the boldest stroke of Morgan's tenure: handing Jacksonville star Devin Lloyd a lucrative multi-year contract in free agency to pair alongside Wallace and form a premier sideline-to-sideline tandem. With former UDFAs like Bam Martin-Scott pushing for developmental depth and constant roster trimming underway, we ask the ultimate question: Has Dan Morgan done enough to turn the middle of Carolina's defense into a dominant force, or are the Panthers still walking a dangerous line at inside linebacker?

We're replaying this episode because Nicole and Michael show what can happen when two people stop waiting to feel motivated at the same time and start working the same plan. For Nicole and Michael, Erin's book Get The Hell Out Of Debt showed up at exactly the right time. What started as curiosity quickly turned into action, and that action turned into over $53,000 in debt paid off. If you've ever felt like you and your partner are taking turns being “the motivated one,” this story is for you.  With two kids, busy careers, and the rising costs of everyday life, finding Get the Hell Out of Debt gave them a process they could both commit to and the structure they needed. Listen to this episode to learn how they did it! Join our online community: www.getthehelloutofdebt.com  Today's episode is brought to you by OneSkin. OneSkin is helping you unlock your healthiest skin now and as you age. For a limited time, try OneSkin with 15% off using code ERIN at oneskin.co/ERIN  Leave us a voicemail message here: www.speakpipe.com/erinskyekelly  Purchase Get The Hell Out Of Debt and Naked Money Meetings online or from your favorite bookstore. Learn more about your ad choices. Visit megaphone.fm/adchoices

Phone: 833-730-3271@danacortezshow on IG/TikTok/FB/YouTube@danacortez@djautomatic@anthonyacomedy

In this Money Talks: Martha Gimble, the Executive Director of the Budget Lab at Yale, joins Elizabeth Spiers to explain their recent report on early childhood education and care policies and how federal subsidies could realistically work to make these things affordable.Join Slate Plus to unlock weekly bonus episodes. Plus, you'll access ad-free listening across all your favorite Slate podcasts. You can subscribe directly from the Slate Money show page on Apple Podcasts and Spotify. Or, visit slate.com/moneyplus to get access wherever you listen. Podcast production by Jessamine Molli. Hosted on Acast. See acast.com/privacy for more information.

In this Money Talks: Martha Gimble, the Executive Director of the Budget Lab at Yale, joins Elizabeth Spiers to explain their recent report on early childhood education and care policies and how federal subsidies could realistically work to make these things affordable.Join Slate Plus to unlock weekly bonus episodes. Plus, you'll access ad-free listening across all your favorite Slate podcasts. You can subscribe directly from the Slate Money show page on Apple Podcasts and Spotify. Or, visit slate.com/moneyplus to get access wherever you listen. Podcast production by Jessamine Molli. Hosted on Acast. See acast.com/privacy for more information.

In this Money Talks: Martha Gimble, the Executive Director of the Budget Lab at Yale, joins Elizabeth Spiers to explain their recent report on early childhood education and care policies and how federal subsidies could realistically work to make these things affordable.Join Slate Plus to unlock weekly bonus episodes. Plus, you'll access ad-free listening across all your favorite Slate podcasts. You can subscribe directly from the Slate Money show page on Apple Podcasts and Spotify. Or, visit slate.com/moneyplus to get access wherever you listen. Podcast production by Jessamine Molli. Hosted on Acast. See acast.com/privacy for more information.

Topics covered in this episode: Python 3.12.14, 3.11.16, 3.10.21 - security releases Codeberg's AI-code ban tests its role as a GitHub alternative Brett Cannon: what's missing for reproducible builds on PyPI nothing records the source code a distribution came from. direct_url.json captures it when you install from a repo or archive, so the fix is putting the same info in sdist/wheel metadata. recording the build tools. Wheels can already do this via PEP 770 SBOMs in .dist-info/sboms/ - sdists can't, since they're a tarball plus a precalculated PKG-INFO with nowhere to hang extra metadata. Either "don't use sdists" or an sdist v2. Extra extra extra, hear all about it Extras Joke Watch on YouTube Sponsored by Logfire from Pydantic pythonbytes.fm/logfire This episode is brought to you by Pydantic Logfire. It's observability for AI apps from the team behind Pydantic - agents, LLMs, APIs, database, and infrastructure in a single trace, queried with Postgres-compatible SQL. Your coding agent can query it too, through their MCP server. I'll tell you more later. Connect with the hosts Michael: Mastodon / BlueSky / X / LinkedIn Calvin: Mastodon / BlueSky / X / LinkedIn Show: Mastodon / BlueSky / X Join us on YouTube at pythonbytes.fm/live to be part of the audience. Usually Tuesday at 7am PT. Older video versions available there too. Finally, if you want an artisanal, hand-crafted digest of every week of the show notes in email form? Add your name and email to our friends of the show list, we'll never share it. Calvin #1: Python 3.12.14, 3.11.16, 3.10.21 - security releases https://blog.python.org/2026/08/python-31214-31116-31021/ Source-only security releases for the three branches now in security-fix-only mode; release team blamed the European solar eclipse for the timing. tarfile hardening. Multiple path-traversal bypasses of the data filter closed, including a symlink escape that bypassed the CVE-2025-4330 fix; extract() now applies the filter to link targets too. Four fresh CVEs: CVE-2026-2297 (SourcelessFileLoader not using io.open_code() for .pyc), CVE-2026-4224 (expat crash on deeply nested content models), CVE-2026-3644 (control chars in http.cookies.Morsel), plus the completed CVE-2021-4189 fix in ftplib.ftpcp. Quadratic-complexity DoS cleanup across the stdlib: HTMLParser, configparser regexes, unicodedata.normalize(), csv.Sniffer.sniff(), and ElementTree XPath index predicates. Header/injection fixes: CR/LF rejected in HTTPConnection.set_tunnel(), control chars blocked in wsgiref.handlers status, and webbrowser now rejects leading dashes (plus a %action prefix bypass). http.client now caps chunked trailer lines and 1xx interim responses at 100 each - a hostile server could previously hang the client forever despite a socket timeout. Memory-safety odds and ends: stale pointers in lzma/bz2/zlib decompressors after MemoryError, a bz2 stack overflow on reuse-after-error, and bundled libexpat bumped to 2.8.3. If you're still on 3.10, 3.11, or 3.12 - and you extract tarballs from anywhere you don't fully control - this one's not optional. Michael #2: Codeberg's AI-code ban tests its role as a GitHub alternative Armin's article “Codeberg Divides” Armin Ronacher argues that Codeberg's new terms, which prohibit projects mostly written with generative AI, create a vague and difficult-to-enforce boundary. His larger concern is that a democratically governed host can still be unpredictable or ideologically narrow, weakening Codeberg's potential as a broad European alternative to GitHub. The strongest question for Python developers is whether repository hosting should judge legal open source by how code was produced, or focus on behavior and resource abuse. “Mostly generated” is hard to measure in modern codebases where developers mix handwritten code, completions, agents, and generated refactors. Ronacher suggests clearer alternatives: ban all LLM involvement, or target autonomous repository spam, abusive resource use, and low-quality generated contributions directly. Codeberg is free to choose a values-driven community, but that may conflict with being predictable, neutral infrastructure and a serious GitHub competitor. Worth discussing: can open-source communities set meaningful AI boundaries without driving maintainers and projects into opposing camps? Very first search for these terms lands on this page. Codeberg looked like a viable alternative. … Unfortunately, the latest update to its terms of service seems to mark a first step in changing one part I moved there for, namely the “freedom” part. Sponsor: Logfire from Pydantic Your AI agent failed at 2am. Was it the model? A tool call? The database? Most observability tools can't tell you, because they only see part of your stack. Pydantic Logfire sees all of it. One trace across your agents, LLMs, APIs, and database. Down to the infrastructure: services, Kubernetes, and hosts. It's built on OpenTelemetry, with SDKs for Python, TypeScript, and Rust, and it works with any OTel-compatible language. Every prompt, token count, and cost, right next to your vector searches and API calls. You query everything with Postgres-compatible SQL. And so can your coding agent, through the Logfire MCP server. Stop guessing. Read the trace. Pydantic Logfire. AI, it's still just engineering. Visit pythonbytes.fm/logfire today and sign up today. Get 10M records free every month, no card required. You can even click “Onboard with your coding agent” to copy a prompt to have claude or codex integrate Logfire into your app. Thanks to Pydantic for supporting the show. Calvin #3: Brett Cannon: what's missing for reproducible builds on PyPI Framing came out of his 2026 Python Packaging Council nomination - the secure-supply-chain gap he found is that Python has no defined way to do reproducible builds at all. Design goal is zero friction: producers uploading to PyPI shouldn't have to do anything. The work lands on build backends and installers. Gap #1: nothing records the source code a distribution came from. direct_url.json captures it when you install from a repo or archive, so the fix is putting the same info in sdist/wheel metadata. Gap #2: recording the build tools. Wheels can already do this via PEP 770 SBOMs in .dist-info/sboms/ - sdists can't, since they're a tarball plus a precalculated PKG-INFO with nowhere to hang extra metadata. Either "don't use sdists" or an sdist v2. The replay mechanism already exists: [build-system] in pyproject.toml is a defined entry point, so if backends recorded their own environment, you could reinstall and re-run the build. Payoff idea: trusted third parties report successful reproductions back to PyPI, which displays "independently reproduced by X" - surfaced in the index API so installers could prefer reproduced files. Explicitly framed as a perk, not a requirement - roughly SLSA build level 1, no shaming projects that don't opt in. Verbal kicker option: "And don't think pure-Python wheels are off the hook. Something built that wheel, and if that something was compromised, so is your wheel. SolarWinds was a build-process attack." Michael #4: Extra extra extra, hear all about it Python 3.14.7 Upgraded the MCP servers to 2026-07-28 v2 protocols (talk python, python bytes) Got agentsview running synced via postgres Talk Python courses, teams trial offering Talk Python courses, government procurement offering Lean TDD audio book is out Extras Calvin: uv now prefers post-quantum key exchange - https://github.com/astral-sh/uv/releases/tag/0.12.4 Joke: Beware of dog

Most people are told to attack their debt in the "smartest" order — highest interest rate first. It's the math-correct move. So why do so many people who follow that exact advice quit before they ever get debt-free?In this episode, Anthony breaks down the real story of a couple juggling five debts — from a $400 medical bill all the way up to a $13,000 student loan — and what happened when they tried the "correct" method versus what actually got them results. Backed by a 2012 study of over 6,000 real households, this episode settles the debt snowball vs. debt avalanche debate for good, and explains why momentum — not math — is what actually gets people out of debt.IN THIS EPISODE, YOU'LL LEARN:- Why attacking your highest-interest debt first can actually cause you to quit- What a study of 6,000+ households found about who actually becomes debt-free- Why paying off a small debt fast can matter more than saving the most money- The exact order to list and attack your debts (no interest-rate math required)If you're tired of starting debt payoff plans and quitting in the middle, this episode will change how you think about where to start. And if you're ready for a full step-by-step plan, Anthony's new book, Stop Living Paycheck to Paycheck, walks you through the complete 5-phase debt-free roadmap — available now at https://www.anthonyoneal.com/book.ABOUT ANTHONY ONEAL:Anthony O'Neal is a nationally bestselling author, speaker, and host of The Table with Anthony O'Neal. He holds a Bachelor of Science in Finance & Banking and is a professor of Consumer Economics at Virginia Union University. Since 2014, he's helped millions of people get out of debt, build wealth, and break generational poverty. His mission is to help you maximize your income, eliminate debt, and create a life of freedom and legacy.