Podcasts about Payoff

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 3389: Mark Dennis explores the classic personal finance dilemma of whether to save more for retirement or focus on paying off debt. Blending both mathematical logic and behavioral psychology, he outlines a hybrid approach that leverages guaranteed investment returns while maintaining motivation through small debt victories, helping you take control of your money and stay on track long-term. Read along with the original article(s) here: https://www.financialfinesse.com/2018/03/29/should-you-save-more-for-retirement-or-pay-off-debt-first/ Quotes to ponder: "Use those good feelings of accomplishment to help motivate you to stay on track and hammer away at the next debt on your list until you kill that one too." "Free money is free money, and nothing beats a guaranteed return on your investment." "People often struggle to fully understand how compound growth works, which leads us to underestimate how much our savings could potentially grow." Episode references: Retirement Estimator Calculator: https://www.calcxml.com/do/ret02 Learn more about your ad choices. Visit megaphone.fm/adchoices

You won't build a successful gym by guessing what people want. You just can't read minds—but every entrepreneur tries to do that, and it's costly.Today on “Run a Profitable Gym,” Two-Brain founder Chris Cooper provides the simple fix: Start using the “just ask method"—a proven way to boost every single metric in your gym.Chris walks through exactly which questions you must ask to improve your gym's marketing, sales, retention, pricing, ROI on expenses, staff development and net owner benefit.The key insight: Don't guess; just ask.For example, you might assume clients want a kettlebell class because you love kettlebells. If you meet with clients and ask what they want, you might discover 10 of them are training for running events, and you have a prime opportunity to boost average revenue per member with a race prep program.Or perhaps you can't hold onto staff people. What if you ask what they want to earn and accomplish, then show them how to do it? They'll stay longer and allow you to focus on building the business as the CEO.Watch to discover the questions top gym owners ask to improve every key performance indicator and build incredibly profitable businesses.Get Coop's “Exactly What to Say” guide in Gym Owners United, linked below.LinksGym Owners UnitedBook a Call0:01 - Stop guessing & just ask5:17 - Improve your marketing & sales13:25 - Boost client retention & value17:53 - Cut expenses & pay yourself more25:13 - Payoff of the “just ask” method

It's time to finish the job, on this week's Strat Sesh!TommyB and SFD are talking playoffs! After a long, hard fought season, some teams rolled into the postseason and others limped in. But they all have a chance to win it all, and the guys propose some league-winning strategies that fantasy managers often don't subscribe to… to their own detriment. From considering projections to making roster cuts, gathering early info and firing the final bullet, Tommy and Hogue throw down the playoff gauntlet. While the rest of the world says to “start your studs,” the hosts of the SuperShow make a pitch for something more aggressive. Plus, leveraging draft picks, rookie TEs take over, and why Marvin Harrison Jr. is truly elite. All that and more, on this week's postseason Strat Sesh episode!************* JOIN THE SFSS DISCORD SERVER HERE FOR THE SUPERSIZED, ONGOING CONVERSATION ON SUPERFLEX!! ************* The SuperFlex SuperShow – one of many great podcasts from the Dynasty League Football (@DLFootball) Family of Podcasts – is hosted by John Hogue (@SuperFlexDude) and Tommy Blair (@FFTommyB), and always dedicated in loving memory to James “The Brain” Koutoulas. Featuring weekly dynasty football content focused on superflex, 2QB and other alternate scoring settings. Special thanks to Heart and Soul Radio for their song, “The Addiction,” and special thanks to the Dynasty League Football Family of Podcasts and the entire DLF staff for the ongoing support! Stay Sexy… and SuperFlex-y! Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

On today's podcast:1) Global stock gauges have record highs in their sights after a week in which affirmation that the Federal Reserve’s interest-rate easing cycle remains intact helped clear the way for a year-end rally. Europe’s Stoxx 600 rose as much as 0.5% to a fresh peak. A measure for Asia advanced to less than 2% from its all-time high. S&P 500 futures were slightly lower after the benchmark posted a new closing milestone in the previous session, when gauges for blue-chip and small-cap US stocks also pushed into record territory.2) Broadcom Inc., a chip company vying with Nvidia Corp. for AI computing revenue, slumped after its sales outlook for the red-hot market failed to meet investors’ lofty expectations. The shares fell about 5% in premarket trading on Friday, following unsettling commentary from Chief Executive Officer Hock Tan on a conference call with analysts. He said the company has a backlog of $73 billion in AI product orders that will be shipped over the next six quarters — a number that disappointed some investors. But Tan sought to clarify that the figure was a “minimum.” 3) President Trump said the US would be willing to contribute assistance to Ukraine as part of a security agreement to end the war with Russia, but continued to express frustration with the pace of talks. Still, he expressed disappointment that Ukraine President Volodymyr Zelenskiy had not more readily signed off on an American peace plan, adding to pressure on officials in Kyiv who pushed back on an earlier US proposal seen as too accommodating to Moscow.See omnystudio.com/listener for privacy information.

The Ducks have made the playoffs and are ready to kick butt… or are they? Let's discuss what's been happening in college football and then break down Oregon's playoff path!Check our our Instagram! And our YouTube Page! And give us 5 stars! And our Patreon!

Mike Macdonald joins Brock and Salk to discuss the Seahawks win over the Falcons. He breaks donw what he saw in the offensive turnaround from the first to second half, whether Darnold running a bit more was by design or not, the dominant defensve performance and Nick Emmanwori's big day, and predicting Rashid Shaheed's kickoff return for a TD.

Today on Your Money, Your Wealth® podcast 559 with Joe Anderson, CFP®, and Big Al Clopine, CPA, David wants to know if he and his wife (ages 47 and 53) are actually on track for retirement - without realizing they're creeping toward that .01% crowd that David swears he is not part of. Mia and Jessie from Seattle want to retire and still pick up a dream lake house with a combined ten million dollars saved. Can they pull it off? Yosemite Sam from Allen, Texas, wonders if he should wipe out the lake house mortgage or keep that low-rate loan to hang on to more flexibility as he approaches retirement. Joe and Big Al also spitball on whether Todd and Margo should shift more into pre-tax accounts to leave their corporate jobs at age 50, and whether early retirement at 55 plus a $500,000 beach home is in the cards for Birdie and Bogey from Williamsburg. Free Financial Resources in This Episode: https://bit.ly/ymyw-559 (full show notes & episode transcript) Financial Blueprint (self-guided) Financial Assessment (Meet with an experienced professional) REQUEST your Retirement Spitball Analysis DOWNLOAD more free guides READ financial blogs WATCH educational videos SUBSCRIBE to the YMYW Newsletter   Connect With Us: YouTube: Subscribe and join the conversation in the comments Podcast apps: subscribe or follow YMYW in your favorite Apple Podcasts: leave your honest reviews and ratings   Chapters: 00:00 - Intro: This Week on the YMYW Podcast 00:53 - Middle Class Retirement Spitball For Those Not in the .01%: Are We On Track at Age 47? (David) 06:37 - $5 Million Roth, $5 Million Brokerage: Can We Retire and Buy a Dream Lake House? (Mia & Jessie, Seattle) 17:26 - Pay Off the Lake House or Keep the Low Rate Mortgage? (Yosemite Sam, Allen, TX) 25:23 - Should We Shift More Funds into Pre-Tax Retirement to Retire Early at 50? (Todd & Margo, TX) 38:45 - Can We Afford Early Retirement at 55 and a $500K Beach Home? (Birdie & Bogie, Williamsburg, VA) 46:27 - Outro: Next Week on the YMYW Podcast

Mike Macdonald joins Brock and Salk to discuss the Seahawks win over the Falcons. He breaks donw what he saw in the offensive turnaround from the first to second half, whether Darnold running a bit more was by design or not, the dominant defensve performance and Nick Emmanwori's big day, and predicting Rashid Shaheed's kickoff return for a TD.

Are you ready to rethink your retirement strategy and make your money work smarter? This episode dives into required minimum distributions (RMDs), tax-efficient planning, and the difference between “must-haves” and “nice-to-haves” in retirement. Discover real-life stories, actionable tips, and how early planning can boost your income and confidence for the years ahead. Get Your Complimentary Retirement Roadmap Your roadmap will include: A retirement income strategy A test to see how long your money will last A tax-planning strategy See omnystudio.com/listener for privacy information.

Real Estate Expert & Best-Selling Author, Gerald Lucas discusses whether you should use a HELOC(home equity line of credit) to pay off credit cards.

I realize it's likely the wrong financial decision, but am I okay to accelerate the mortgage pay down? Have a money question? Email us ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Subscribe to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Jill on Money LIVE⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Subscribe to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Jill on Money Newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ YouTube: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@jillonmoney⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Instagram: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@jillonmoney 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

Mortgage and real estate expert David Hochberg joins John Williams to talk about mortgage rates coming down a bit, if he thinks the Fed will cut interest rates later this month, how homes have appreciated in the area, how much credit card debt Americans are holding, why he insists on paying off credit card debt every […]

Welcome back to REBOOKED! This week we discuss how WWE" Survivor Series War Games went and what we thought about that ending? How did things play out for Bock Lesnar, CM Punk, Roman Reigns, and Jey Uso? Also, we discuss War Games vs Blood and Guts! Who delivered on the caged carnage goodness this year in your opinion?Lastly we have TNA commentator Matt Rehwoldt give his take on TNA's BRAND NEW TV deal with AMC and what it could mean for the future of TNA Wrestling and beyond!⏰ Subscribe to the channel to be alerted! https://www.youtube.com/@REBOOKEDWrestling?sub_confirmation=1

Mortgage and real estate expert David Hochberg joins John Williams to talk about mortgage rates coming down a bit, if he thinks the Fed will cut interest rates later this month, how homes have appreciated in the area, how much credit card debt Americans are holding, why he insists on paying off credit card debt every […]

Mortgage and real estate expert David Hochberg joins John Williams to talk about mortgage rates coming down a bit, if he thinks the Fed will cut interest rates later this month, how homes have appreciated in the area, how much credit card debt Americans are holding, why he insists on paying off credit card debt every […]

Mortgage and real estate expert David Hochberg joins John Williams to talk about mortgage rates coming down a bit, if he thinks the Fed will cut interest rates later this month, how homes have appreciated in the area, how much credit card debt Americans are holding, why he insists on paying off credit card debt every […]

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UCD BComm alumna Siobhán Talbot is one of Ireland's most accomplished and widely respected business leaders. Join us as she discusses her remarkable career journey, which she describes as a "baptism of fire" from the hard graft of PwC to her rise to Group Managing Director of Glanbia. Siobhán shares how the massive risk of strategically pivoting Glanbia away from purely food production into global nutrition, supplements and health paid off. She discusses her passion for company culture, the relentless pace of change and what it truly takes to “earn the right to grow” in today's dynamic global market.

In this episode, we continue to explore the topic of reincarnation or transmigration of soul through stories from modern day to ancient time. From these, we see that the challenges we face are often not random, but threads carried over from the past, waiting to be resolved through compassion and tolerance. Original Articles:Reincarnated into a Horse to Pay Off a DebtLife and ReincarnationDafa Saved Me from the Misery of Karmic Retribution To provide feedback on this podcast, please email us at feedback@minghuiradio.org

Click Here for the Show Notes In today's episode, we tackle an important question from listener Lindsey: “Should I pay off my rentals?” Lindsey already owns multiple duplexes and a quadplex, but she's wrestling with a common dilemma—keeping debt low versus using leverage to accelerate passive-income growth. We break down key factors like your goals, timeline, equity, and the role of good debt to help you understand when paying off properties makes sense and when growing your portfolio may be the faster path. If you enjoy episodes like this, be sure to subscribe so you don't miss the next one. Tune in now! -------------------------------- Throwback Thursday Episode (The episode originally took place in the year 2020) This episode is part of our Throwback Series and may include references to older content such as web classes, events, promotions, or links that are no longer active or available. While the conversation and insights still hold value, please note that some information may be outdated. -------------------------------- If you missed our last episode, be sure to listen to The New 50-Year Mortgage: Genius Strategy or Financial Trap? Download your FREE copy of:  The Ultimate Guide to Passive Real Estate Investing. See our available Turnkey Cash-Flow Rental Properties. Our team of Investment Counselors has much more inventory available than what you see on our website.  Contact us today for more deals.

Have you ever shared something genuinely valuable… and it feels like nobody cares? You post content that could literally help people — and it gets ignored. You speak up at work or in your community, and it's like your voice doesn't matter. Meanwhile, someone with half your wisdom and half your experience gets all the attention. Here's the uncomfortable truth: In this world, people don't respond to value first. They respond to signals. And if you don't understand that, your message will never break through. Let me show you why this happens — and what the Bible actually says about it. Chapters 00:00 The Value of Your Voice 02:35 Wisdom vs. Appearance 05:38 The Power of Presentation 08:33 The Importance of Credibility 11:20 Visuals and Perception 14:03 Looking the Part 17:07 Professional Presentation Matters 20:03 Crafting Your Expert Bio 29:06 The Power of Authority Markers 32:05 Leveraging Media Exposure 35:15 Building Credibility Through Testimonials 37:58 Showcasing Results and Payoffs 40:54 The Importance of Presentation 43:50 Stewarding Your Influence 47:06 Auditing and Upgrading Your Online Presence

Turn your home equity into a plan, not a panic button! This episode gives a clear, practical checklist for using a HELOC or second mortgage wisely: how they work, what they cost, when they help, and when alternatives (like a consumer proposal) will protect your cash flow and your home better. Listen first, then decide with the numbers. (00:00) Toronto condo stress and Welcome to Scott Terrio (05:00) What a HELOC is and how it works (07:30) Second mortgages: key risks (09:00) Home "value" is changing in this market (11:00) HELOC pitfalls and personal risk (15:30) Why many homeowners resist selling (17:00) Could creditors place a lien anyway? Get the numbers (21:00) Banks can cut credit access—even existing limits (25:00) Snapshot of cash flow: budget vs. "budgeting," emergency funds (31:00) Rebuilding plan: why it isn't too late Think Twice Before Getting a Home Equity Line of Credit Episode with Scott Terrio  – Debt Free in 30 HELOC Debt: Is a Home Equity Line of Credit Right for You? Hoyes Michalos DIY Free Credit Repair Course Sign Up for the Monthly Debt Free Digest Hoyes Michalos YouTube Channel Learn About Debt Relief Options in Ontario Disclaimer: The information provided in the Debt Free in 30 Podcast is for entertainment and informational purposes only and is not intended as personal financial advice. Individual financial situations vary and may require personal guidance from a financial professional. The views expressed in this episode do not necessarily reflect the opinions of Hoyes, Michalos & Associates, or any other affiliated organizations. We do not endorse or guarantee the effectiveness of any specific financial institutions, strategies, or digital tools/apps discussed.

What do LEGO, Megan Thee Stallion, and a Ford Mustang have in common? They're all proof that the right partnership can supercharge a brand.In the sixth episode of The Brand Builder's Playbook, hosts Jim Stengel and Ryan Barker, joined by guest co-host Lindsey Wehking, explore why not all partnerships deliver equal value…some enhance brand equity, while others can dilute it.This week's guest is Kristen D'Arcy, Chief Marketing Officer and Head of Digital Growth at True Religion, who unpacks how collaborations and partnerships drive growth, cultural relevance, and long-term brand equity. From bold campaigns with Megan Thee Stallion to unexpected collabs with Ford, True Religion demonstrates how math, magic, and cultural insight come together to keep a brand not just alive, but thriving.Kristen shares the playbook behind building a culture of collaboration inside the marketing team, tapping into subcultures that matter, and designing partnerships that actually move the needle.Bottom line: when you know your customer and lean into culture, partnerships don't just create moments, they create momentum.—Download this week's worksheet: https://bit.ly/47oVdBaRead about upcoming episode topics and guests here: https://bera.ai/podcast/See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In this episode, I break down the real question behind paying off your house early—and why the answer isn't as straightforward as it seems. I walk through how interest rates, amortization, and long-term loan structures influence the true cost of a mortgage. I also highlight why extra payments only matter if they're applied directly to the principal, and how doing so can reduce total interest paid over the life of the loan. Beyond the numbers, I touch on the emotional relief homeowners feel when eliminating monthly payments and gaining more flexibility in their budget.   Timestamps (00:00) – Mortgage payoff debate begins (00:49) – Interest rate impacts strategy (02:22) – Extra payments explained clearly (03:50) – Opportunity cost of payoff (05:31) – Long-term fixed debt benefits   About the Show On the Military Millionaire Podcast, I share real conversations with service members, veterans, and their families. Each week, we explore how to build wealth through personal finance, entrepreneurship, and real estate investing. Resources & Links Download a free copy of my book: https://www.frommilitarytomillionaire.com/free-book Sign up for free webinar trainings: https://www.frommilitarytomillionaire.com/register Join our investor list: https://www.frommilitarytomillionaire.com/investors Apply for The War Room Mastermind: https://www.frommilitarytomillionaire.com/mastermind-application Get an intro to recommended VA agents/lenders: https://www.frommilitarytomillionaire.com/va-realtor Guide to raising capital: https://www.frommilitarytomillionaire.com/capital-raising-guide   Connect with David Pere Facebook Group: https://www.facebook.com/groups/militarymillionaire YouTube Channel: https://www.youtube.com/@Frommilitarytomillionaire?sub_confirmation=1 Instagram: https://www.instagram.com/frommilitarytomillionaire/ LinkedIn: https://www.linkedin.com/in/david-pere/ X (Twitter): https://x.com/militaryrei TikTok: https://www.tiktok.com/@militarymillionaire

Send us a textShould you pay off debt faster or focus on saving money? It's one of the most common—and confusing—financial questions veterinarians face. In this episode, Tom and CJ unpack the trade-offs, emotions, and math behind debt repayment versus saving, sharing simple frameworks that help you find balance instead of burnout. Learn how to create financial freedom within your money habits, so you can build wealth while still sleeping at night.Smarter Vet Podcast-https://flveterinaryadvisors.com/smarter-vet-financial-podcast/Watch the no cost 5 part video course to review your finances and see where you could be doing better in your finances.5 Foundational Steps to Financial Balance Video Course-http://series.flvetadvisors.com/Find out what you could be overlooking within your practice by taking our brief assessmentTest My Personal Financial IQ-https://flveterinaryadvisors.com/personal-test/Sign up for a complimentary phone call to talk about how to get better use of all the cash inside your practice.Schedule a time-https://flveterinaryadvisors.com/contact-usCheck out our social media channelsFacebook-https://facebook.com/flvetadvisorsLinkedIn-https://linkedin.com/company/flvetadvisorsYouTube-https://www.youtube.com/channel/UCAK-PzGDIch3vzKiAjWVrQQ

Refresh, Update & Elevate Your Home This week on Real Estate Today, discover the smartest ways to transform your home—whether you're staying put or preparing to sell. Learn which home improvement projects deliver real return on investment, the top remodeling trends for 2025, and which design ideas to skip. Plus, big-ticket lessons every homeowner can use and budget-friendly updates that make your space bold, unforgettable, and full of personality. Featured Guests: Kirsten Jordan, Associate Broker of the top ten national real estate team and alum of Bravo's "Million Dollar Listing New York" Gray Benko & Chelcie Eastman, hosts of the new Magnolia Network show, Anything But Gray Jennifer Bien, DAHLIN Architecture Scott Wharton, HouseMaster Home Inspections Hot or Not: Are man caves still in? Is color drenching the next big thing? Find out what's trending now.

A surprise $10,000 can feel like a gift and a puzzle at the same time. Do you save it, invest it, or wipe out debt? We break the decision down with real numbers, simple rules, and the human factors that make money choices stick, so you can act with clarity instead of guesswork.We start by using interest rates as the compass. With forward-looking return estimates around five to six percent for a balanced portfolio, many debts at eight to eighteen percent are hard to beat. You will hear why high-rate credit cards should be paid off first, why carrying a balance does not boost your credit score, and how eliminating interest is a guaranteed return that frees cash flow and lowers stress. Then we step into a nuanced case: a 60-year-old with a 4 percent car loan and three years left. On paper, investing can edge out early payoff. In real life, the emotional ROI of fewer bills, simpler budgets, and pre-retirement calm can matter more than a few extra dollars of expected growth.We also map out a practical decision tree: above 6.5 percent, prioritize payoff; below 4 percent, choose based on goals and risk; in the 4 to 6.5 percent band, let context guide you. Emergency funds, income stability, and upcoming expenses can tilt the scales. And if you hold a mortgage under 3.5 percent, we explain why preserving liquidity and investing may outscore prepayment, especially when tapping home equity later could cost six to seven percent. Throughout, we stress the sleep-at-night premium: that mix of certainty, control, and confidence that turns a good financial move into a sustainable habit.If you found this helpful, follow the show, share it with a friend who just got a bonus, and leave a quick review to help others find clear, calm guidance for their next money decision. Envision Financial Planning. 5100 Poplar Avenue, Suite 2428, Memphis, TN 38137. (901) 422-7526. This communication is strictly intended for individuals residing in the United States. Advisory Services offered through Envision Financial Planning, a Registered Investment Adviser.

Is this the week the Texans' run-game optimism actually turns into something real? We dig into what needs to click and why this matchup might finally deliver

CSU trustees are considering lifting pay caps for campus presidents, adding housing stipends and bonuses, sparking union backlash amid budget cuts. Meanwhile, Fresno State faces balloon payments on its Save Mart Center debt—over $10 million due in 2025—raising concerns about financial strain. Please Like, Comment and Follow 'Broeske & Musson' on all platforms: --- The ‘Broeske & Musson Podcast’ is available on the KMJNOW app, Apple Podcasts, Spotify or wherever else you listen to podcasts. --- ‘Broeske & Musson' Weekdays 9-11 AM Pacific on News/Talk 580 AM & 105.9 FM KMJ | Facebook | Podcast| X | - Everything KMJ KMJNOW App | Podcasts | Facebook | X | Instagram See omnystudio.com/listener for privacy information.

Imani (52) and Michael (65) return for Part 2—and this time, Ramit pushes them to find out how fast they can turn things around. After years of miscommunication, mounting debt, and emotional exhaustion, they've finally started tackling their finances together. But when Facet's retirement scenarios reveal how long their money will really last, they're forced to confront new tradeoffs: spend less now, retire later, or change their lifestyle entirely. Can Michael step up and lead? Can Imani release control and start dreaming again? Or will their old habits slow their progress before it even begins? A special thanks to Facet for sponsoring this episode. Right now, Facet is waiving their $250 enrollment fee for new annual members. And if you invest and maintain $5,000 within your first 90 days, they'll add $300 to your brokerage account. Head to facet.com/ramit to see which membership—Core, Plus, or Complete—is right for you. (Ramit is not a member of Facet, and he has an incentive to endorse Facet as he has an ongoing fee based contract for cash compensation based on this endorsement. All opinions are his own and not a guarantee of a similar outcome.) In this episode we uncover: • Why Michael finally decides to take ownership after decades of financial avoidance • The moment Imani says she's “tapping out” if things don't change • How they discover Michael's electronics obsession is more than clutter—it's avoidance • The shocking realization that their debt payments eat up one-third of their take-home pay • How selling off $7,000 of electronics became the turning point for their marriage • What it felt like for Imani to finally let go of control and let Michael lead • Why teamwork and a clear plan helped them pay off $6,000 in just four weeks • How both partners confront what “enough” really means • The couple's new shared dream: retiring abroad and living a simpler, freer life Chapters: (00:00:03) “I'm angry at Michael, I'm angry at myself” (00:18:03) “I've lost the ability to dream” (00:34:45) “It's gotta work” (00:40:17) “I got the fever to start selling stuff” (00:51:47) “I could see the cloud starting to separate” (01:06:29) “I feel excited, inspired, energized” (01:22:39) Where are they now? Imani and Michael's follow-ups This episode is brought to you by: Wispr Flow | Voice-to-text AI that turns speech into clear, polished writing in any app. Try it for free at https://wisprflow.ai/ramit Gelt | Book a tax consultation with Gelt at https://joingelt.com/ramit. As a member of my community, you can skip the waitlist MasterClass | For unlimited access to every class and up to 50% off an annual membership, go to https://masterclass.com/ramit ZocDoc | Download the ZocDoc app for FREE at https://zocdoc.com/ramit then find and book a top-rated doctor today #sponsored Shopify | Sign up for a $1 per month trial period at https://shopify.com/ramit Links mentioned in this episode • If you want help with your finances, join my Money Coaching program at https://iwt.com/moneycoaching Connect with Ramit • Get my new book, Money For Couples • Get Money Coaching with Ramit • Download the Conscious Spending Plan • Listen to my book—now on Audible • Get my New York Times best-selling book • Get my no-numbers journal • Other episodes • Instagram • Twitter • YouTube If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here.

This episode is presented by Create A Video – One of Charlotte City Council's committee voted unanimously to approve an undefined amount of money to pay unidentified groups that claim to help people "interacting with Border Patrol" during the ongoing enforcement operation in the Queen City. Subscribe to the podcast at: https://ThePetePod.com/ All the links to Pete's Prep are free: https://patreon.com/petekalinershow Media Bias Check: GroundNews promo code! Advertising and Booking inquiries: Pete@ThePeteKalinerShow.com Get exclusive content here!: https://thepetekalinershow.com/See omnystudio.com/listener for privacy information.

In this conversation, Ryan discusses his focus on mobile home park acquisitions and the integration of AI to enhance operational efficiency and tenant communication. He shares insights on overcoming initial challenges in real estate investment, the importance of building human connections, and future goals for scaling his business. The discussion highlights the transformative potential of AI in real estate, emphasizing the need for a technical foundation to leverage its benefits effectively.   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   —--------------------

As we close in on year-end, this week's “Henssler Money Talks” tackles three financial decisions that can make a major impact on your long-term plan. First, before you write that last charitable check of 2025, make sure you're doing it strategically. We break down the evolving charitable giving rules—from updated deduction limits to how Qualified Charitable Distributions and Donor Advised Funds can help you give more efficiently. Whether you donate regularly or ramp up your giving at year-end, understanding these rules can help you maximize both your impact and your tax benefit. Next, we dig into a question many listeners are asking: Should you stop saving and pay off the mortgage before retirement? While being debt-free sounds great, it may leave you “house-rich and cash-poor.” We unpack the trade-offs, including how mortgage rates compare to long-term investment returns, the risks of cutting back on 401(k) contributions, and why carrying some debt into retirement may actually support your overall financial flexibility. Finally, we explore the recommended “order to savings”—and why it's not a one-size-fits-all formula. From employer retirement plans to Roth IRAs to taxable brokerage accounts, where you save first can depend on your goals, timeline, and tax picture. We break down the most common prioritization framework and help you think through the right path for your personal situation. Join hosts Nick Antonucci, CVA, CEPA, Director of Research, and Managing Associates K.C. Smith, CFP®, CEPA, and D.J. Barker, CWS®, and Kelly-Lynne Scalice, a seasoned communicator and host, on Henssler Money Talks as they explore key financial strategies to help investors navigate market uncertainty. Henssler Money Talks — November 15, 2025  |  Season 39, Episode 46 Timestamps and Chapters 7:35: Smart Strategies for 2025 Charitable Contributions 21:32: Stop Saving to Pay Off the House? Let's Talk About It.26:58: Your Savings, Your Strategy: Where to Start 38:17: Shutdown Ends, Earnings Season and Selling NVIDIA Follow Henssler:Facebook: https://www.facebook.com/HensslerFinancial/ YouTube:  https://www.youtube.com/c/HensslerFinancial LinkedIn: https://www.linkedin.com/company/henssler-financial/ Instagram: https://www.instagram.com/hensslerfinancial/TikTok: https://www.tiktok.com/@hensslerfinancial?lang=enX: https://www.x.com/hensslergroup “Henssler Money Talks” is brought to you by Henssler Financial. Sign up for the Money Talks Newsletter: https://www.henssler.com/newsletters/ 

Pay off your mortgage or invest? If you're pursuing FIRE, you've wrestled with this question. A paid-off house means thousands extra in your pocket each month and a lower FIRE number. But investing that same money could build significantly more wealth and get you to FIRE with a bigger nest egg. So which strategy wins? To help you decide, Scott built a brand-new mortgage calculator that accounts for interest rates, investment returns, and taxes. He and Mindy use it to analyze real-world scenarios—high mortgage balances, different life stages, various risk tolerances—proving there's no one-size-fits-all answer. In this episode, you'll learn: Who should prioritize paying off their mortgage early The hidden pros and cons of each strategy Why your timeline to FIRE changes everything How to use Scott's calculator for your specific situation Different paths for those retiring soon versus decades away Whether you want maximum wealth for a luxurious retirement or just want to quit your job as fast as possible, we've mapped out strategies for both. Learn more about your ad choices. Visit megaphone.fm/adchoices

Snag Our Simplified Budget System!In today's episode of Financial Coaching for Women, we sit down with Ashley—newly married, newly budgeting, and ready to take control of her family's finances. Just two months into their budgeting journey, Ashley and her husband are working hard to live on their salaries alone so they can put commission checks toward debt payoff and long-term goals. But with unexpected expenses, consolidated loans, and a busy family life, staying on track isn't always easy.Together, we walk through her real numbers, real questions, and real challenges. If you're early in your budgeting journey—or trying to get back on track—you'll feel right at home in this conversation.Connect With Us: 1️⃣ Facebook Group – Join the community. Our free group is where the real talk happens. Connect with other women who are learning how to budget, save, and finally feel in control, together. ➡︎ budgetbesties.com/facebook 2️⃣ Automate Your Budget Masterclass – Watch it now, no waiting. This FREE on-demand training shows you how to set up a budget that matches your lifestyle, without tracking every dollar or feeling restricted. ➡︎ budgetbesties.com/automate 3️⃣ Budget – Grab our Simplified Budget System! You don't need another budget, you need a system that does the math, makes the plan, and gives you permission to spend. ➡︎ budgetbesties.com/budget 4️⃣ Private 1-on-1 Coaching – Get a plan and a coach. We'll build your full budget system together, so you always know what to do and feel confident doing it. ➡︎ budgetbesties.com/coaching 5️⃣ Be on the Podcast – Free coaching, real convo. Come chat with us on the show! Get real-time financial coaching and help other women by sharing your story. ➡︎ budgetbesties.com/livecall "I love Shana & Vanessa and this podcast is amazing!"

Halfway home we get into the headlines including a few former Bruins entering the hockey hall of fame and Emmanuel Clase taking the complicated route to pay off a friend in the latest sports betting scandal. Then, in the New England Nightly News, Market Basket unveils their new lager and where New England cities rank among best places for families to have Thanksgiving. And, the Giants would be taking a huge step back if they think Bill Belichick could be their new head coach.

How do you avoid an overly complicated plot? How do you write a plot twist so good readers will scream? It's as simple as setting up story beats at every opportunity and paying off on them in satisfying ways. This week, authors Anna Mercier and Lyssa Mia Smith discuss exactly that--setup and payoff!Turning to Story Substack

Short out of state trips pay off big time. . . . Promo Codes: Latitude Outdoors: thefall Americas Best Bowstrings: TFP Helix Broadheads:TFP Faceoff Ebikes: TFP Asio Gear: FALL20 Kuhle Archery: FALL25 . . . Partner Websites: Jays Sporting Goods - https://www.jayssportinggoods.com/ Helix Broadheads - https://www.helixbroadheads.com/ Latitude Outdoors - https://www.latitudeoutdoors.com/ Garmin Bow Sights - https://www.garmin.com/en-US/c/outdoor-recreation/sportsman-and-tactical-devices/ Prime Archery - https://www.g5prime.com/ Asio Gear - https://asiogear.com?utm_source=pro&utm_medium=fall Faceoff Hunting Ebikes - https://www.faceoffebikes.com/ Michigan Buckpole - https://mibuckpole.com/ Vitalize Seed Company - https://vitalizeseed.com/ Kuhle Archery - https://kuhlearchery.com/ Ariel Wildlife Solutions - https://aerialwildlifesolutions.net/  Don't forget to check out the Fall Podcast Youtube channel for new content. Subscribe to the channel as well. Thank you. https://www.youtube.com/channel/UCWSCcGJeHHxejFXBZAO83QA For updates from The Fall Podcast: The Fall Podcast on Instagram - The Fall Podcast The Fall Podcast on Facebook - The Fall Podcast Facebook The Fall Podcast Youtube Channel - The Fall Podcast Youtube Channel Subscribe and Rate us on Itunes: SUBSCRIBE to The Fall Podcast Learn more about your ad choices. Visit megaphone.fm/adchoices

Simple, legal, and smart ways to shrink your tax bill while boosting your wealth. If you've ever filed your taxes in April and thought, “Well… I wish I'd known that sooner,” this episode is your redo moment. In Part 2 of the Smart Money Moves Before Year-End series, Shari breaks down the strategic moves you can still make before December 31 that could literally save you hundreds — or even thousands — next year. Be sure to consult with your tax professional before implementing any of these strategies. You'll walk away with: A checklist of five smart tax moves to make before year-end Simple steps to lower your taxable income (without complicated math) Smart strategies for charitable giving, retirement contributions, and benefits usage The confidence to approach tax season feeling proactive, not panicked Because you can't time the market — but you can time your tax bill. Talkin' Points → where your money gets smarter. Real talk, practical tips, zero guilt straight to your inbox. Sign up here.  Be sure to like and follow the show on your favorite podcast app! Keep the conversation going on Instagram @everyonestalkinmoney Learn more about your ad choices. Visit megaphone.fm/adchoices

Jason and MDV sit down with Bear Handlon, CEO and co-founder of Born Primitive, to talk about purpose, business, and giving back in a big way.Through Operation Debt of Gratitude, Born Primitive has a goal to pay off $25 million in medical bills for U.S. veterans. Bear shares how the idea came to life, the emotional story behind hand-delivering a check, and what drives him to keep serving the veteran community.They also unpack lessons in leadership and entrepreneurship — from being business partners with your ex-wife to staying mission-focused when critics question your intent.Timestamps:0:00 Jason got in trouble with Born Primitive1:10 It all started with some compression shorts4:45 Being business partners with your ex-wife7:30 “I would never go into apparel if I could do it again”11:00 Staying mission-focused (even when people don't believe it will work)15:05 Staying true to your mission is not being controversial17:30 What is Born Primitive doing for Veteran's Day? Operation Debt of Gratitude — paying off $25 million of medical bills for veterans21:43 The powerful story of hand-delivering the check23:40 How do people get into this situation in the first place? (The phone call that made Bear go all in)27:18 This shouldn't be happening at a policy level29:25 Bear is a dangerous man (a man on a mission)33:10 Building a brand to fit your lifestyle36:45 Designing an all-purpose training shoe41:03 Why the BJJ gi needs to be reimagined42:15 What does Bear's training look like right now? (done with heavy weights)45:10 Gas station ready47:40 Acknowledging risk and picking a course of action50:00 We're stronger together!!!SUPPORT HERE: Born Primitive Black Rifle Coffee

On episode 436 of Animal Spirits, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Michael Batnick⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ben Carlson⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ discuss how behavior drives bull markets, how many companies outperform the S&P 500, bubble predictions, 5x ETFs, $20 lunches, surviving the AI capex boom, we need lower housing prices, why private credit is an easy sale to make, Halloween decorations and more. This episode is sponsored by Nuveen and Invesco. Invest like the future is watching. Visit https://www.nuveen.com/future to learn more. Visit https://www.invesco.com/ to learn more about their comprehensive fixed income solutions and how they can help strengthen your portfolio's foundation. Sign up for The Compound newsletter and never miss out: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠thecompoundnews.com/subscribe⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Find complete show notes on our blogs: Ben Carlson's ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠A Wealth of Common Sense⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Michael Batnick's ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Irrelevant Investor⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Feel free to shoot us an email at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠animalspirits@thecompoundnews.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ with any feedback, questions, recommendations, or ideas for future topics of conversation.   Investing involves the risk of loss. This podcast is for informational purposes only and should not be or regarded as personalized investment advice or relied upon for investment decisions. Michael Batnick and Ben Carlson are employees of Ritholtz Wealth Management and may maintain positions in the securities discussed in this video. All opinions expressed by them are solely their own opinion and do not reflect the opinion of Ritholtz Wealth Management. The Compound Media, Incorporated, an affiliate of ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ritholtz Wealth Management⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, receives payment from various entities for advertisements in affiliated podcasts, blogs and emails. Inclusion of such advertisements does not constitute or imply endorsement, sponsorship or recommendation thereof, or any affiliation therewith, by the Content Creator or by Ritholtz Wealth Management or any of its employees. For additional advertisement disclaimers see here ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://ritholtzwealth.com/advertising-disclaimers⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Investments in securities involve the risk of loss. Any mention of a particular security and related performance data is not a recommendation to buy or sell that security. The information provided on this website (including any information that may be accessed through this website) is not directed at any investor or category of investors and is provided solely as general information. Obviously nothing on this channel should be considered as personalized financial advice or a solicitation to buy or sell any securities. See our disclosures here: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://ritholtzwealth.com/podcast-youtube-disclosures/⁠⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

Rachel Maddow points out the exceptional and unusually effusive praise and thanks that Donald Trump heaped on Abdel Fattah el-Sisi, the president of Egypt, at an event tied to the Israel-Gaza ceasefire, in which Trump bizarrely mentioned his race against Hillary Clinton. The episode calls to mind a mysterious $10 million and a related investigation's questions left open-ended after Trump was inaugurated the first time.Rachel Maddow looks at recent examples of Donald Trump using the power of American taxpayers to cut deals for himself and his friends and family, and focuses on the especially galling case of Trump and his Treasury secretary, Scott Bessent, sending an extraordinary $20 billion to bail out Argentina at a time when the U.S. government is closed for lack of funding.Rachel Maddow reports that the number of events planned for the "No Kings" day of protest on Saturday, October 18 already exceeds the previous "No Kings" protests that drew millions of Americans to voice their opposition to Donald Trump's overreach and attacks on democracy in the United States. Ezra Levin, co-founder and co-executive director of Indivisible, joins to discuss the planning and organizing taking place.  Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.