Podcasts about Personal finance

If rising prices have you blaming inflation for everything, it may be worth looking at the spending habits that have become normal. Our favorite Bookkeeping Mensch, Paul Rosenblum, looks at the difference between expenses we can't control and the choices that still belong to us. Ultimately, affordability includes how we decide what we need, want, and can actually afford.With convenience making it easier than ever to spend without thinking much about it, Paul looks at where everyday choices can start stretching a budget too far. From credit cards to routine purchases that no longer feel optional, he brings the conversation back to one simple question: does your spending actually fit the money you have? It's a timely reminder to look at those habits now, before they become even harder to change.Episode mentioned:S9E8: The Hidden Bookkeeping Money Decisions You Make Every Dayhttps://pod.link/1688000860/episode/QnV6enNwcm91dC0xOTMzNDg0OASend us Fan MailSupport the showAbout the hostPaul Rosenblum has been doing hands-on bookkeeping for over 30 years, starting with QuickBooks Desktop and adapting to the world of cloud-based QuickBooks Online. He shares practical, in-the-weeds lessons from real client files every episode.

What actually makes for a happy retirement? Today, Joe sits down with retirement expert Wes Moss, author of The Retire Sooner Method, to explore the research behind America's happiest retirees. Wes explains why money is only part of the equation, how community and “super activities” give retirement purpose, why eliminating debt can create more freedom, and how a clear retirement plan can help reduce the fear of running out of money.Then Joe and OG tackle one of retirement's most popular investing strategies: living off dividends so you never have to sell your investments. They break down why dividends feel so appealing, where the strategy can fall short, and why building your retirement income plan around your goals may matter more than chasing a particular yield. Plus, Doug celebrates the anniversary of the ATM with some cash-dispensing trivia.Resources mentionedWes MossThe Retire Sooner Method: The 5 Secrets Behind America's Happiest and Unhappiest RetireesYou Can Retire Sooner Than You ThinkRetirees Love Dividends, but the Stock Market Surge Is Making Them Think Again — The Wall Street JournalField Kit FinanceThe 201 newsletter — stackingbenjamins.com/201Field Kit Finance webinars: Sign up for The 201 to get the full schedule.The Clark Howard ShowFinConDana AnspachBen CarlsonAttorney Tim Semro's recent Stacking Benjamins appearanceFULL SHOW NOTES: https://www.stackingbenjamins.com/wes-moss-retire-sooner-method-1892/Deeper dives with curated links, topics, and discussions are in our newsletter, The 201, available at https://www.stackingbenjamins.com/201Enjoy!See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

On the Money Meets Medicine podcast, Dr. Jimmy Turner and Justin Harvey answer three listener questions. First, they discuss 457 plans and how to determine if you should be participating in yours, including the three questions to answer to figure it out in your situation. They alos discuss if doctors should have emergency funds and, if so, how large they should be. Finally, they chat about investing bonus money: invest it all in at once? Or let it trickle in through dollar-cost averaging (DCA)?Resources for this episode: Every doctor needs own-occupation disability insurance. Get a quote from Money Meets Medicine Disability Insurance, co-founded by host Dr. Jimmy Turner. Are you looking for a new accountant? Check out Gelt, the tax strategy team that Jimmy Turner personally uses. Use this link to get 10% off Gelt's services the first year you work with them. Looking to increase your financial literacy, but not sure where to start? Get a free copy of Dr. Jimmy Turner's best-selling book, The Physician Philosopher's Guide to Personal Finance. IRS guide on differences between governmental and non-governmental 457 can be found here. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Sure, you own index funds. But 99% of portfolios have a "shade of gray" that's more active than we realize. This episode dives into the "shades of gray" in passive investing and how they affect our portfolios and benchmarks.  Looking for a financial planner?  → PlanWithJesse.com Jesse explores an important distinction that many investors overlook: owning passive funds does not necessarily mean you have a passive portfolio. He explains why passive investing remains a strong strategy, using research on the small number of stocks responsible for most market returns, the drag created by active-management fees, and the difficulty of separating investment skill from luck. From there, Jesse examines how allocation choices—such as favoring U.S. stocks, concentrating in technology, or tilting toward small-cap and value stocks—represent active decisions even when implemented entirely with index or rules-based funds. He then connects those decisions to benchmarking, explaining why investors need relevant benchmarks that reflect their portfolio's asset classes, geography, risk, and intended strategy. Ultimately, Jesse argues that investors should understand where their portfolios deviate from the broader market and use thoughtful benchmarks to determine whether those choices are delivering the results and risks they intended. Key Takeaways: • Beating the market is possible, but the odds are not 50/50. Stock returns are highly skewed, with a relatively small percentage of companies responsible for much of the market's long-term performance. • Diversification increases the odds of owning the market's relatively few major winners. Trying to identify those winners beforehand creates a difficult stock-picking problem. • Investment success can be difficult to distinguish from luck. Even when someone beats the market, determining whether that performance resulted from repeatable skill is challenging. • Nearly every investor has some degree of active allocation. A theoretically pure passive portfolio would hold the global investable universe according to its market weights, something that is difficult to replicate completely. • Deviating from global market weights is not inherently wrong. The important issue is understanding where and why your portfolio deviates rather than making those bets unknowingly. • The right benchmark should resemble the investment being evaluated. Asset class, geography, risk level, and the investment's intended purpose all matter when selecting a benchmark. Key Timestamps: (2:22) – You Can Beat the Market, But... (5:12) – Stock Performance Is Skewed (7:44) – Fees Make Beating the Market Harder (9:00) – Luck or Skill? (Usually Luck) (11:43) – Not All Funds Are Created Equal (14:23) – Consider the Allocation (19:48) – Are You a True Passive Investor? (22:55) – Risk Is Fungible (23:39) – You Probably Have Active Allocation (25:15) – What Is Investment Benchmarking? (29:30) – Absolute Investing Benchmarks (35:20) – The Benchmark You Should Use (38:40) – Conclusion Key Topics Discussed: The Best Interest, Jesse Cramer, Wealth Management Rochester NY, Financial Planning for Families, Fiduciary Financial Advisor, Comprehensive Financial Planning, Retirement Planning Advice, Tax-Efficient Investing, Risk Management for Investors, Generational Wealth Transfer Planning, Financial Strategies for High Earners, Personal Finance for Entrepreneurs, Behavioral Finance Insights, Asset Allocation Strategies, Advanced Estate Planning Techniques Mentions: https://bestinterest.blog/fewer-needles-bigger-haystack/ https://bestinterest.blog/the-needle-in-the-haystack/   More of The Best Interest: Check out the Best Interest Blog at https://bestinterest.blog/ Contact me at jesse@bestinterest.blog Need a financial planner?  → PlanWithJesse.com  The Best Interest Podcast is a personal podcast meant for education and entertainment. It should not be taken as financial advice, and is not prescriptive of your financial situation.

What actually belongs in an "advanced" personal finance class? Ross and Dan debate whether advanced planning means mastering the fundamentals or tackling niche, high-level career scenarios. Even if a complex financial milestone doesn't apply to everyone, it matters immensely when it hits your desk. Tune in this week to get prepared for the things you might face.Send us Fan MailSend your questions for upcoming show to checkyourbalances@outlook.com @checkyourbalances on Instagram

From enrollment deadlines and late penalties to Medigap, Medicare Advantage, and income-based premiums, the choices for Medicare can feel overwhelming. On the next Faith & Finance Live, Rob West and Eddie Holland explain our options so we can make wise, faithful stewardship decisions. Then, it’s on to calls. That’s Faith and Finance Live . . . biblical wisdom for your financial decisions. That’s weekdays at 4pm Eastern/3pm Central on Moody Radio. Faith & Finance Live is a listener supported program on Moody Radio. To join our team of supporters, click here.To support the ministry of FaithFi, click here.To learn more about Rob West, click here.To learn more about Faith & Finance Live, click here.See omnystudio.com/listener for privacy information.

Thabo Shole-Mashao, standing in for Clement Manyathela speaks to Tsungai Masendeke, Certified Financial Planner at Liberty, about Liberty Lifestyle Protection, which allows having conversations today that can help you maintain stability and dignity through uncertainty. The Clement Manyathela Show is broadcast on 702, a Johannesburg based talk radio station, weekdays from 09:00 to 12:00 (SA Time). Clement Manyathela starts his show each weekday on 702 at 9 am taking your calls and voice notes on his Open Line. In the second hour of his show, he unpacks, explains, and makes sense of the news of the day. Clement has several features in his third hour from 11 am that provide you with information to help and guide you through your daily life. As your morning friend, he tackles the serious as well as the light-hearted, on your behalf. Thank you for listening to a podcast from The Clement Manyathela Show. Listen live on Primedia+ weekdays from 09:00 and 12:00 (SA Time) to The Clement Manyathela Show broadcast on 702 https://buff.ly/gk3y0Kj For more from the show go to https://buff.ly/XijPLtJ or find all the catch-up podcasts here https://buff.ly/p0gWuPE Subscribe to the 702 Daily and Weekly Newsletters https://buff.ly/v5mfetc Follow us on social media: 702 on Facebook https://www.facebook.com/TalkRadio702 702 on TikTok https://www.tiktok.com/@talkradio702 702 on Instagram: https://www.instagram.com/talkradio702/ 702 on X: https://x.com/Radio702 702 on YouTube: https://www.youtube.com/@radio702 See omnystudio.com/listener for privacy information.

Every parent hopes to leave an inheritance for their children, but doing so wisely takes careful thought and prayer. On the next Faith & Finance Live, Rob West welcomes Ron Blue to discuss the Uniqueness Principle. Discover how it can be used to guide parents in passing down wealth effectively. Then, it’s your calls and questions. That’s Faith & Finance Live—where biblical wisdom meets today’s financial decisions—weekdays at 4pm Eastern/3pm Central on Moody Radio. Faith & Finance Live is a listener supported program on Moody Radio. To join our team of supporters, click here.To support the ministry of FaithFi, click here.To learn more about Rob West, click here.To learn more about Faith & Finance Live, click here.See omnystudio.com/listener for privacy information.

Nobody on a first date asks about money scripts. But according to Dr. Kristine Anthes, that silence is where relationships start breaking down. In this follow-up conversation with Rick Kahler, Kristine gets into the mechanics of IFS-informed matchmaking — how she prepares clients before a date, debriefs them after, and slowly brings money into the conversation through values rather than net worth. Rick shares his own story of insisting on a prenup, watching parts take over the negotiation, and ending up without one. The real insight isn't about what someone earns or owns — it's about psychological flexibility, whether a person's money parts are rigid or can bend. Two people with identical net worth can still be financially incompatible. Two people with different financial pictures can thrive. What actually predicts the relationship is what's running underneath the numbers.  #DrKristineAnthes, #KristineAnthes, #RickKahler, #FinancialTherapy, #MoneyScripts, #InternalFamilySystems, #IFS, #RelationshipPsychology, #FinancialCompatibility, #EmotionalCompatibility, #CouplesAndMoney, #MoneyMindset, #PsychologyOfMoney, #BehavioralFinance, #FinancialPsychology, #DatingAdvice, #HealthyRelationships, #CouplesTherapy, #RelationshipCoaching, #Prenup, #LoveAndMoney, #FinancialWellness, #RelationshipValues, #EmotionalIntelligence, #PersonalFinance, #MoneyConversations, #ConsciousDating, #RelationshipGoals, #EmotionalHealing, #FinancialLiteracy A podcast that blends the nuts and bolts of financial advice with the emotions that drive our money decisions. Join Rick Kahler, CFP®, CFT™, as he blends practical financial wisdom with the emotional insights that shape our choices. Discover how financial therapy can help you make money decisions that truly align with your values.. 

Companies have gotten frighteningly good at removing friction from spending. One click, stored payment info, a box on your porch before you've even had time to regret the purchase. Today's episode flips that same idea around: what if you engineered your own financial life the same way, making good decisions the path of least resistance and bad decisions just annoying enough to make you pause? Joe and OG close out Financial Action Month with a genuinely useful framework for building systems that work even on the days your willpower doesn't show up.What You'll Walk Away WithWhy discipline isn't a personality trait, it's a system you build once instead of a decision you make every dayA simple "make it easy or make it hard" test you can apply to any financial habit, from retirement savings to late-night online shoppingWhy automating your savings rate removes the single biggest source of decision fatigue in a financial planA smarter way to handle windfalls and bonuses, deciding your split between saving, debt, and fun once a year instead of every single timeWhy canceling a subscription is deliberately made difficult, and the workaround that neutralizes itA four-step "financial action ladder" for turning financial knowledge into permanent, lasting habitsWhy waiting a day before a big purchase, and other small friction points, can save you from regret without requiring any extra willpowerWhy This Matters NowKnowing what to do with your money has never really been the hard part. The hard part is doing it consistently, especially when life gets busy, stressful, or just plain boring. Building your environment so the smart choice is also the easy choice takes the daily grind of willpower out of the equation entirely. That's not a lack of discipline, it's actually the most disciplined move available: deciding once, automating it, and letting the system do the work every day after that.From the BasementA goofy but genuinely fun "make it easy or make it hard" game plays out across everything from emergency funds to concert tickets, and a National Trail Mix Day detour delivers exactly the kind of nonsense only this show could make delightful.Resources MentionedStacko Financial Action Month board — the interactive game with a money move for each squareStacking Benjamins Field Kit — the all-in-one financial organization and subscription-canceling toolProfit First by Mike Michalowicz — the book referenced on flipping the save-then-spend defaultSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Dolly Parton was laid to rest over the weekend and many public displays to the beloved icon occurred, including one on country music's most-iconic stage. The U.S. Open kicks off with a stunning upset in the first round. Author of “Mind Your Money”, Yanely Espinal gives advice on how to navigate personal finance in today's world. And, Gadi Schwartz shares more about an allergy-free dog with a fascinating back story. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

NVIDIA just delivered another monster quarter, reinforcing the case that the AI infrastructure boom is far from over. In Episode 195 of The Investor Professor Podcast, we break down NVIDIA's explosive data-center growth, its potential move toward major stock buybacks, and why the company may still look attractive despite becoming one of the most valuable businesses in the world. We also examine Kevin Warsh's message from Jackson Hole, stubborn inflation, rising interest rates, and what a potentially tougher Federal Reserve could mean for housing, the economy, and markets heading into the fall.We also mark six months since the U.S.-Iran conflict began and discuss how higher oil prices, defense spending, AI infrastructure, and political uncertainty could create both risks and opportunities for investors. From NVIDIA and cybersecurity to defense stocks, industrials, healthcare, and dividend-paying companies, we focus on separating short-term noise from long-term opportunity—and why investors should be thinking about the next three years, not the next three weeks.*This podcast contains general information that may not be suitable for everyone. The information contained herein should not be construed as personalized investment advice. There is no guarantee that the views and opinions expressed in this podcast will come to pass. Investing in the stock market involves gains and losses and may not be suitable for all investors. Information presented herein is subject to change without notice and should not be considered as a solicitation to buy or sell any security. Rydar Equities, Inc. does not offer legal or tax advice. Please consult the appropriate professional regarding your individual circumstance.  Past performance is no guarantee of future results.

We'd love to hear from you. What are your thoughts and questions?Retirement planning is often viewed as a math-based finish line, but Patrick Negado argues it is truly an emotional journey requiring a shift from accumulation to intentional structure. This episode explores how to build a lasting retirement plan that prioritizes guaranteed income and personal vision, ensuring long-term financial peace and meaningful legacy.Main Points:Transition your financial mindset from aggressive accumulation to strategic distribution once you approach retirement.Implement the “Canoe in the Current” framework to cover monthly essentials with guaranteed income while letting investments handle discretionary spending.Create a “Retirement Vision Statement” to align your financial structure with your personal goals and family values.Mitigate market volatility risks by using time-segmented investment strategies rather than simply scaling back on equity exposure.Communicate your financial philosophy to family members early to prevent future mismanagement of inherited assets.Connect with Patrick Negado:pnegado@gmail.comcanoeandcurrentwealth.comwww.linkedin.com/in/patrick-j-negado-chfc®-ricp®-711701https://www.facebook.com/profile.php?id=61577955493266

Colleges across the country are cutting jobs and programs as enrollment declines. We discuss this domino effect and what lies ahead for higher education. Linktr.ee | Apple Podcasts | YouTube | SpotifyFacebook: @ViewpointsOnlineX: @viewpointsradioInstagram: @viewpointsradioFull ArchiveContact UsAffiliates & National Syndication Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Cancer Care Has Changed. Have Our Assumptions? Cancer screening and treatment are changing fast. Dr. Avishek Kumar, a medical oncologist and hematologist, joins us to explain how to reduce your risk of developing cancer and what's new in the world of cancer detection and treatment.   Guest: Dr. Avishek Kumar, medical oncologist and hematologist, practicing doctor, Regional Cancer Care Associates   Are GLP-1'S Killing The Restaurant Industry? GLP-1 drugs are mixing up how some Americans eat, but they're not the only force reshaping restaurant menus. We look at the growing trend towards smaller portions, more protein and social media-driven menu items. Guests: Dana Baggett, executive director, Restaurant Client Strategy, R.R. Donnelley; Maeve Webster, president, Menu Matters. Linktr.ee | Apple Podcasts | YouTube | SpotifyFacebook: @ViewpointsOnlineX: @viewpointsradioInstagram: @viewpointsradioFull ArchiveContact UsAffiliates & National Syndication Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Everybody likes to believe they're too smart for marketing. Companies spend billions of dollars putting jingles and slogans in our heads anyway, and this episode puts that theory to the test. Paula Pant, Len Penzo, and OG face off in a rapid-fire game: Doug reads a slightly modified version of a famous advertising slogan, and they have to name the brand. What follows is a genuinely fun, surprisingly competitive round that proves just how deep this stuff sits in all of our brains, whether we like it or not. This one's a Greatest Hits favorite, originally recorded back in 2020, and the game holds up exactly as well today.What You'll Walk Away WithA fast-paced, genuinely fun game you can replay in your own head (or with friends on a road trip) testing how many classic slogans you actually rememberA real discussion on how much advertising quietly shapes what we believe is smart to buy, invest in, or trust with our moneyA candid conversation about pieces of financial advice that used to be gospel and don't hold up anymore, including homeownership as an automatic wealth-builder and the old "100,000 miles and it's time for a new car" ruleA memorable real-world story about how deeply brand loyalty can override even a clearly better financial decisionA reminder that good financial advice isn't about memorizing fixed rules, it's about regularly checking whether those rules still fit your actual lifeWhy This Matters NowIt's easy to assume you make financial decisions purely on logic. But brand recognition, catchy slogans, and decades of repeated marketing messages shape more of our buying and money decisions than most of us would like to admit. Recognizing that influence doesn't mean living in constant suspicion of every ad you see. It means occasionally asking whether a belief about money, homeownership, cars, insurance, college, is something you actually decided, or something you absorbed because you heard it enough times to assume it was true.From the BasementA wildly competitive slogan showdown ends with a last-to-first comeback, plus a genuinely great story about a five-year-old spotting a McDonald's from the top of the Empire State Building at the exact wrong (or right) moment.Resources MentionedAfford Anything podcast — Paula Pant's showLenPenzo.com — Len Penzo's site, including his sister blog, The Persistent ItchStacking Benjamins Field Kit — the all-in-one financial organization tool referenced in the updated introSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

What if you lived just a few hundred miles north—but the rules of your financial life were completely different? This week, we cross the border to examine the surprising realities of personal finance in Canada. From mortgages that regularly reset and government-funded healthcare to tax-free investment accounts Americans might envy, college savings incentives, retirement benefits, housing costs, and household debt, we compare how Canadians build financial lives versus Americans. Which country makes personal finance easier—and what could each side learn from the other?

Send us Fan MailSend us Fan MailIn this enlightening episode of Living the Dream with Curveball, we are joined by David Nassief, author and creator of the One Page Wealth Compass. After spending 40 years in corporate America, David faced a life-altering moment at 63 when he was unexpectedly fired. With a cardboard box in hand and uncertainty ahead, he transformed his financial situation from impending bankruptcy to a seven-figure portfolio in just six years. David shares his powerful journey of resilience, revealing how he developed the One Page Wealth Compass to assist others facing financial stress.David discusses the importance of mindset shifts during his transition, emphasizing how separating his identity from his corporate job allowed him to rediscover his true self and purpose. He explains the concept of automated stewardship and how his simple yet effective wealth-building strategies can lead to financial freedom without the complexities often associated with investing.Listeners will learn about the nine trail markers and five North Star principles that form the backbone of the One Page Wealth Compass, providing actionable steps for anyone looking to improve their financial health. David also shares insights from his best-selling book, which is designed to be engaging and accessible, filled with true stories and practical advice.What You'll Learn in This Episode:- The pivotal moments that led to David's transformation- How to separate your identity from your career- The fundamentals of the One Page Wealth Compass- Strategies for building wealth with minimal risk- Insights from David's best-selling book and how it can help youFor more information on David Nassief and to download your free One Page Wealth Compass, visit onepagewealthcompass.com/free Don't miss this opportunity to take control of your financial future!Support the show

When studying Scripture, we learn that God owns everything, gives us the ability to earn, and calls us to work with integrity because, ultimately, we serve Christ. On the next Faith & Finance Live, Rob West and Howard Dayton talk about earning money God’s way. They explain how biblical wisdom can shape our work, our businesses, and our generosity. Then, it’s on to calls. That’s Faith & Finance Live—where biblical wisdom meets today’s financial decisions—weekdays at 4pm Eastern/3pm Central on Moody Radio. Faith & Finance Live is a listener supported program on Moody Radio. To join our team of supporters, click here.To support the ministry of FaithFi, click here.To learn more about Rob West, click here.To learn more about Faith & Finance Live, click here.See omnystudio.com/listener for privacy information.

Thanks to our partners Promotive, WickedFile, Maverick Shop Owners, and OverdryveAre you chasing being rich, or are you actually building wealth? Could the shop owner making $150,000 a year retire with more freedom than the one clearing $800,000? Hunt Demarest has seen both, and the answer might surprise you.In this solo episode, Hunt Demarest, CPA with Paar Melis & Associates, steps away from the usual business valuation talk to tackle something he says matters even more to a shop owner's future: personal finances. Drawing from a four hour class he taught at the STX Conference, Hunt breaks down why so many disciplined, profitable shop owners still end up with disorganized personal finances, and why that gap, not their business's sales or profit, is the real predictor of a happy retirement. He walks through the difference between being rich and being wealthy, tells two real client stories with opposite outcomes, and unpacks the habits, from unchecked debt to keeping up with the Joneses, that quietly derail decades of hard work.Whether you're chasing a bigger number on your P&L or wondering why your bank account never seems to reflect it, this episode is a mirror check on the financial decisions that actually determine your future.What You'll Learn…(00:00) Intro: STX Conference recap and a preview of this week's topic(03:04) Why chasing business value misses the real retirement risk(06:11) Rich versus wealthy: the distinction most shop owners get wrong(08:01) The client who went broke rich, and the one who quietly built wealth(09:29) How consistent saving beat a six figure income, a paid off real estate story(15:07) Why the market has zero interest in educating you about your money(16:47) The rat race: keeping up with the Joneses, personally and in the shop(17:40) The one number most owners can name for their business but not their life(21:08) Debt is easier than ever: the $2 million sale that couldn't cover the bills(23:11) Mortgaging your future: what really keeps shop owners working past retirement age(23:43) Closing thoughts and how to reach HuntThanks to our partner, PromotivePromotive has over 40 years of recruiting and automotive experience. If you need qualified technicians and service advisors and want to offload the heavy lifting, visit https://gopromotive.com/Thanks to our partner, WickedFileTurn chaos into clarity with WickedFile, the AI for auto repair shops. Transform invoices into insights, protect cash flow, and stop losing parts, cores, or credits to maximize your bottom line. visit https://info.wickedfile.com/Thanks to our partner, Maverick Shop OwnersYou're working on growing a more profitable shop - that's critical. That's exactly what the 24-video Blueprint course by Maverick Shop Owners addresses - customers, sales, profit, people, systems, and freedom. Get free access for our listeners only at https://maverickshopowners.com/blueprintThanks to our partner, OverdryveOverdryve is your AI-powered marketing operating system. It predicts slow weeks before they happen, automatically launches revenue-driving campaigns, tracks ROI down to the dollar, and optimizes performance in real time. Visit https://overdryvemarketing.com/Paar Melis and Associates – Accountants Specializing in Automotive RepairVisit us Online: www.paarmelis.comEmail Hunt: podcast@paarmelis.comGet the FREE 2026 Auto Shop Benchmark Report: https://hubs.ly/Q04j-grh0Download a Copy of My Books Here:Beyond the Bays: A Financial Playbook for Auto Repair Shop OwnersWrenches to Write-OffsYour Perfect Shop The Automotive Repair Podcast Network: https://automotiverepairpodcastnetwork.com/Download the ARPN APP for your smartphone and listen to all our network shows: arpn.appRemarkable Results Radio Podcast with Carm Capriotto: Advancing the Aftermarket by Facilitating Wisdom Through Story Telling and Open DiscussionAutomotive Field Theory with Matt Fanslow: From Diagnostics to Metallica and Mental Health, Matt Fanslow is Lifting the Hood on Life.The Weekly Blitz with Chris Cotton: Weekly Inspiration with Business Coach Chris Cotton from AutoFix - Auto Shop Coaching.Speak Up! Effective Communication with Craig O'Neill: Develop Interpersonal and Professional Communication Skills when Speaking to Audiences of Any Size.Business by the Numbers with Hunt Demarest: Understand the Numbers of Your Business with CPA Hunt Demarest.The Auto Repair Marketing Podcast with Kim and Brian Walker: Marketing Experts Brian & Kim Walker Work with Shop Owners to Take it to the Next Level.

Before Mel Robbins became one of the most recognized names in personal development, she was $800,000 in debt, unemployed, and numbing the panic with bourbon most nights by six o'clock. She knew exactly what she needed to do to climb out. Knowing wasn't the problem. Taking the first step was. That gap, between knowing and doing, is exactly what this conversation is about, and it's why Mel's simplest tool, a five-second countdown and a high five in the mirror, has been validated by neuroscience, adopted by veterans' organizations treating PTSD, and linked to real behavior change in ways that go well beyond feel-good advice. This episode originally aired in 2021 and earned its spot in our Greatest Hits lineup because the core idea hasn't aged a day.What You'll Walk Away WithThe five-second rule Mel used to physically interrupt anxiety and get out of bed during her lowest financial pointWhy knowing what to do with your money is almost never the real obstacle, and what actually isThe surprising research linking high-fives among NBA teams to which teams went on to win championshipsWhy so many people feel resistance instead of relief the first time they try this exercise, and what that resistance is actually telling youThe neuroscience behind why a simple physical gesture can interrupt a negative thought spiral more effectively than positive self-talkWhy self-worth tied to a bank balance, a job title, or a number on a scale tends to collapse the moment things go wrongA genuinely surprising story about grief, intuition, and a decision that changed the direction of Mel's entire familyWhy This Matters NowYou probably already know several things you should be doing with your money right now. That's rarely the hard part. The hard part is closing the gap between knowing and doing, especially in moments of stress, shame, or overwhelm, exactly the moments financial setbacks tend to create. Building a habit of small, immediate self-support, showing up for yourself before you've accomplished anything, turns out to be one of the most overlooked tools for actually following through on the financial changes you already know you need to make.From the BasementA headline segment on modern, lower-fee annuities gets a healthy dose of skepticism, and a TikTok "wealth hack" involving margin loans gets thoroughly, hilariously debunked, a good reminder that not everything that sounds clever on social media survives contact with how markets actually work.Resources MentionedThe High 5 Habit by Mel Robbins — Mel's book on the science-backed daily practiceStacking Benjamins Field Kit — the all-in-one financial organization tool referenced in the updated introSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Sean Castle will join us to provide a practical, faith-driven guide to investing and financial planning for everyday people. He will strip away Wall Street jargon and media panic to reveal simple, time-tested principles anyone can follow. He will teach us how to start investing, manage risk, diversify portfolios, and prepare for retirement. Whether you’re a young professional, a midlife saver, or nearing retirement, join us to get the tools and encouragement to build wealth with wisdom, faith, and peace of mind.Become a Parshall Partner: http://moodyradio.org/donateto/inthemarket/partnersSee omnystudio.com/listener for privacy information.

In this episode of Money Meets Medicine, hosts Dr. Jimmy Turner and Certified Financial Planner (CFP) Justin Harvey tackle three listener questions from the Money Meets Medicine community. 1. Should residents pay extra on their student loans if they are in the new Repayment Assistance Plan (RAP)? 2. What are the financial considerations to make working part-time make sense?  3. If you are a parent (or plan to be), should you pay for your kid's college education? If you do, how can you make that work given the new federal student loan borrowing limits?Resources: Every doctor needs disability insurance.  Get it from a source you can trust: https://moneymeetsmedicine.com/disability    Are you a 1099, locums doc, K-1 partner, or business owner? You need a tax strategy team. Get 10% off working with Gelt, the team that Jimmy Turner personally uses here (Gelt): https://moneymeetsmedicine.com/CPA Looking to get a lower interest rate on your student loans? Check out Juno's unique student loan Group Negotiation process at https://moneymeetsmedicine.com/Juno  Not sure what to do with your student loans? Get $100 off a student loan consult: https://moneymeetsmedicine.com/loans Have questions of your own? Send them to Jimmy at Jimmy@moneymeetsmedicine.com  Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

An "Ask Me Anything" episode including questions like: Effective tax rates or marginal tax rates…which one matters? I'm at my retirement number, but this stock market is too crazy…should I adjust my portfolio?  What about flexible spending rules in retirement? Which are good, which aren't, and how to use them in practice.  Looking for a financial planner?  → PlanWithJesse.com Jesse answers three listener questions about retirement planning and investing. He explains the difference between marginal and effective tax rates when making decisions about Roth conversions, traditional retirement contributions, and other tax-planning strategies. He then discusses how investors approaching financial independence should think about market valuations, the CAPE ratio, and portfolio allocation, emphasizing that changes should be driven by financial plans and cash flow needs rather than market predictions. Finally, Jesse explores dynamic withdrawal strategies in retirement, comparing guardrails, discretionary spending frameworks, and ratcheting techniques while offering practical guidance for creating flexible spending rules that balance long-term sustainability with real-life uncertainty.   Key Takeaways: • Effective tax rates describe your average tax burden, while marginal rates determine the cost or savings of your next financial decision. • Large Roth conversions may span multiple tax brackets, requiring a blended analysis of marginal rates rather than relying on an effective tax rate. • High market valuations and CAPE ratios have historically been associated with lower future returns, but they are not reliable market-timing tools. • Today's technology-driven economy may justify higher valuation levels than previous generations experienced, making historical comparisons imperfect. • Dynamic withdrawal strategies allow retirees to adjust spending based on portfolio performance rather than relying on fixed withdrawal amounts. • A successful retirement spending strategy combines disciplined planning with the flexibility to adapt as life and markets inevitably change. Key Timestamps: (01:31) – Q1: Should I Look at Marginal or Effective Tax Rates in Retirement? (10:07) – Q2: Making Asset Allocation Adjustments (16:29) – CAPE vs. Returns (22:36) – Q3: Dynamic Spending in Retirement (24:43) – Essential vs. Lifestyle Spending (28:07) – The Ratcheting Technique (31:16) – Five Steps for a Dynamic Withdrawal Strategy Key Topics Discussed: The Best Interest, Jesse Cramer, Wealth Management Rochester NY, Financial Planning for Families, Fiduciary Financial Advisor, Comprehensive Financial Planning, Retirement Planning Advice, Tax-Efficient Investing, Risk Management for Investors, Generational Wealth Transfer Planning, Financial Strategies for High Earners, Personal Finance for Entrepreneurs, Behavioral Finance Insights, Asset Allocation Strategies, Advanced Estate Planning Techniques  More of The Best Interest: Check out the Best Interest Blog at https://bestinterest.blog/ Contact me at jesse@bestinterest.blog Need a financial planner?  → PlanWithJesse.com  The Best Interest Podcast is a personal podcast meant for education and entertainment. It should not be taken as financial advice, and is not prescriptive of your financial situation.

Personal Finance 101 is simple: clear, timeless lessons that fit on a bumper sticker. But Personal Finance 202 is where things get messy. Concepts that feel like second nature to seasoned investors can sound like a foreign language the first time you hear them.Take the classic advice: "Just invest in index funds." That single sentence actually hides three or four distinct concepts you have to navigate before executing a single trade. In this episode, Ross and Dan skip the oversimplified shortcuts and unpack the real-world mechanics—giving you the nuance you need without losing the clarity.Send us Fan MailSend your questions for upcoming show to checkyourbalances@outlook.com @checkyourbalances on Instagram

Can being £24,000 in debt become the foundation for building one of the UK's fastest-growing personal finance brands?Sammie Ellard-King is the founder of Up The Gains, a UK personal finance platform built around helping Britain get financially fit, and the founder of Gains App - a money management and fintech app designed to make budgeting, spending, cashback and everyday financial decisions simpler.Connect with Sammie: https://www.linkedin.com/in/sammieellardking/Want more from Building The Brand? Connect here:https://buildingthebrand.co.uk/newsletterIn this episode of Building The Brand, Sammie explains how authenticity transformed his content strategy, why talking openly about his £24,000 debt sent social media views from thousands into the millions and how he built Up The Gains by making complicated financial education simple, relatable and entertaining.He also breaks down the transition from content creator to fintech founder, including why the rise of AI made him question the long-term value of a founder-led media business and why he decided he needed to build a product that could exist without his personal brand.KEY MOMENTS:0:00 — From £24,000 debt to becoming a UK personal finance educator03:00 — The psychology of overspending and trying to impress people06:17 — The simple retirement calculation that changed his relationship with money09:36 — Ronnie Scott's, entrepreneurship and growing up around business uncertainty16:17 — Becoming Head of Marketing at 24 while struggling with debt22:06 — How GameStop and a WhatsApp group helped create Up The Gains29:10 — Building a side hustle around a full-time job35:20 — How personal storytelling turned thousands of views into millions39:56 — Founder burnout: why eight productive hours can beat sixteen43:40 — Why Sammie chose to build a fintech app instead of staying a content creator47:55 — AI, personal brands and the risk of building a business around your own face51:00 — How Gains App combines budgeting, bank accounts, cashback and AI58:43 — Reaching 10,000 users in around two and a half months1:00:04 — How a 13,000-person waitlist converted more than 7,500 users1:05:04 — Freemium pricing, fintech economics and building towards profitability1:09:24 — Choosing co-founders, organic growth and scaling customer acquisition1:15:34 — The reality of launching a startup, delays, burnout and founder pressure

Reverse mortgages continue to carry a negative reputation, but faithful stewardship means evaluating financial tools based on how they work today. On the next Faith & Finance Live, Rob West and Harlan Accola explain why many Christians remain hesitant. They also discuss how a modern, FHA-insured reverse mortgage could fit into a thoughtful retirement plan. Then, it’s on to calls. That’s Faith and Finance Live . . . biblical wisdom for your financial decisions. That’s weekdays at 4pm Eastern/3pm Central on Moody Radio. Faith & Finance Live is a listener supported program on Moody Radio. To join our team of supporters, click here.To support the ministry of FaithFi, click here.To learn more about Rob West, click here.To learn more about Faith & Finance Live, click here.See omnystudio.com/listener for privacy information.

The “Henssler Money Talks” hosts turn their attention to the financial advice filling social media feeds. “Finfluencers” can introduce younger investors to valuable concepts like building credit, saving, and opening a Roth IRA, but popularity doesn't necessarily equal expertise. We discuss how to distinguish useful financial education from advice that's oversimplified, self-serving, or potentially risky — and why good financial habits still matter no matter where you get your advice.Original Air Date: August 22, 2026Read the Article: https://www.henssler.com/finfluencers-and-financial-advice-who-should-you-trust 

Most Americans never truly disconnect from work—even on vacation. After decades of tying your identity, daily rhythm, and sense of worth to a paycheck, stepping away feels less like freedom and more like freefall. Oz Chen spent years financially independent before he could accept it, wrestling with the psychological gap between having enough money and being okay with not working. Key Topics Discussed Oz's Background and FI Journey (00:02:30) Oz shares his introduction to financial independence through Tim Ferriss's Four Hour Workweek, his career as a UX designer, and the moment he officially accepted being financially independent at 37—years after crossing the actual threshold. The Job That Changed Everything (00:08:15) After seven comfortable years at one tech company, management changes, an acquisition, and mounting burnout made Oz's dream job unsustainable. He reveals the "work policy statement" he'd written that predicted exactly when he'd need to leave. Taking FMLA Leave as an Experiment (00:15:40) Rather than quitting outright, Oz used 12 weeks of FMLA medical leave to test what not working would feel like. He set a deliberately low bar for success—sleep and play pickleball—instead of maintaining his productivity mindset. The Unexpected Layoff (00:22:30) During the final week of his sabbatical, Oz received a layoff notice with severance and garden leave. What could have felt devastating instead felt like "divine timing," perfectly aligning with his planned departure. Wrestling with Fear and Acceptance (00:28:00) Oz shares his practice of writing acceptance statements for every fear—from scarcity feelings to relationship changes. By acknowledging fears without resisting them, he reduced the suffering that comes from fighting his own emotions. Practical Strategies for Decumulation (00:35:45) Breaking down the scary process of drawing down investments: think month-by-month rather than annual withdrawals, and sell "junk" investments (random stocks, crypto) first before touching beloved index funds. Life After Work and Future Plans (00:42:20) Oz describes his current life taking community college music classes, learning trades, and planning for the next 2-3 years before potentially having children. He emphasizes honoring different life seasons and remaining flexible about future work. Notable Quotes Ginger: "Pain plus resistance equals suffering. The pain is part of the human experience, but the resistance is the thing that you can control." Oz Chen: "I accept that not having a paycheck coming in will feel weird and scary. I can have the feeling and it doesn't have to change what I'm doing." Oz Chen: "Clarity through action versus expecting clarity before action. Breaking things down into smaller components generates clarity." Oz Chen: "The productivity engine is something that often buzzes in the background for optimizers. There's always something to work on, always something to optimize." Oz Chen: "I realized my fear was a very generalized fear. Writing down that fear and asking, is that true? helped me see it's potentially a reversible decision." Key Takeaways Write a work policy statement listing specific conditions under which you'd leave your job, similar to an investor policy statement for market downturns Break down your fears by writing them out specifically, then question their validity and put dollar amounts to worst-case scenarios Create acceptance statements for your financial fears to reduce internal resistance rather than trying to eliminate fears entirely Calculate your first 3-6 months of expenses in retirement month-by-month rather than thinking about annual withdrawals to make decumulation less daunting Consider using all available time-off options (PTO, unpaid leave, FMLA if eligible) to experiment with extended breaks before making permanent career changes Identify "junk" investments in your portfolio that you'd be happy to sell first before touching core index fund holdings Set a low bar for success duri…

There's a version of financial advice that lists fifty things you're supposed to be doing at once: build an emergency fund, pay off debt, invest, get life insurance, start a Roth, build an estate plan. All true, all important, and all completely useless without one missing piece: the order. Joe and OG walk through the exact sequence for figuring out what to tackle first, second, and third, so instead of freezing under the weight of everything, you know precisely where to start today. This one's a Stacking Benjamins classic, originally recorded a few years back, and the framework holds up so well it earned a spot in our Greatest Hits lineup unchanged.What You'll Walk Away WithA simple four-quadrant framework for seeing your entire financial picture in one place, instead of overwhelming yourself with fifty scattered tasksWhy cash flow and risk management should almost always come before any long-term goal-setting, no matter how exciting the goals areThe real difference between a strict budget and an "anti-budget," and how to know which one your situation actually calls forWhy debt consolidation can quietly make things worse if the underlying behavior never changesA clear-eyed look at which insurance actually matters most early in your financial life, and which ones get overhypedWhy starting with your tax strategy or investment picks first is almost always backwards, and what should come before itThe blunt case against co-signing a loan for a family member, no matter how good the reason soundsWhy This Matters NowThe instinct to fix everything at once usually backfires, not because the individual advice is wrong, but because doing five things halfway rarely beats doing one thing completely. A clear order of operations replaces that scattered, everything-at-once anxiety with a simple next step, and that clarity alone tends to build more momentum than any single tactic. Whether you're just starting to get organized or you've been meaning to revisit your plan for a while, knowing what actually comes first changes everything that follows.From the BasementA TikTok "hack" involving sneaking into a hotel breakfast buffet to save on groceries becomes the day's cautionary tale, alongside a genuinely unhinged story about an office keg that taught an entire WeWork floor a hard lesson about unlimited free beer.Resources MentionedStacking Benjamins Field Kit — the all-in-one net worth and budgeting tool referenced in the updated introThe 201 Newsletter — deeper dives on topics covered in the show, written by Kevin BaileySee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Every parent eventually asks the same question: what does my kid actually need to know about money, and when do I teach it? Today's roundtable brings together three genuinely different perspectives, financial educator Karen Holland of Gifting Sense, middle school teacher and author Alaina Trivax, and Rishi Vamdatt, the now-college-bound creator behind Easy Peasy Finance who started teaching kids about money at age eight. Together they build a real, age-by-age roadmap, from swiping a credit card at six years old to filing taxes for the first time at eighteen.What You'll Walk Away WithWhy waiting until kids are "old enough to understand the math" is one of the most common mistakes parents makeA simple age-by-age breakdown of what to teach, from age six all the way through eighteenWhether you should tell your kids exactly how much you earn, and what to say instead if you'd rather notWhy letting kids make small, affordable money mistakes now protects them from much bigger ones laterHow to talk to kids about in-game currencies and microtransactions in a way that actually sticksA refreshingly simple way to build an allowance system that teaches real financial judgment, not just chore complianceWhy you don't need to be great with money yourself to teach your kids well, and what actually matters more than expertiseWhy This Matters NowIt's easy to feel unqualified to teach your kids about money, especially if your own financial journey has had plenty of stumbles. But the goal was never to have all the answers. It's to normalize talking about money at home, model good decision-making out loud, and let kids practice with small stakes before the stakes get real. A little structure around when to introduce which concepts takes the guesswork out of a subject most parents already feel behind on, and turns it into something manageable, even fun.From the BasementA special exhibition round of trivia brings together three guest contestants for a genuinely close guessing game on the current going rate from the Tooth Fairy, complete with inflation commentary that would make any economist proud.Resources MentionedFollow the Money by Alaina Trivax — Alaina's new activity-based book teaching kids about moneyLet's Make It Grow — Alaina's platform helping parents teach financial literacyGifting Sense — Karen Holland's nonprofit teaching kids mindful spending, including the "Spending Ed" programEasy Peasy Finance — Rishi Vamdatt's YouTube channel and book series, including the new release Easy Peasy StocksSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Environmental, Social, and Governance (ESG) ratings are often presented as neutral measures of corporate responsibility, but they can reflect a moral framework that conflicts with biblical convictions. On the next Faith & Finance Live, Rob West and Nick Schmitz explain how ESG investing can differ from faith-based investing—and why Christians should pay attention to how their shares are voted. Then, it's on to your calls. That’s Faith & Finance Live—where biblical wisdom meets today’s financial decisions—weekdays at 4pm Eastern/3pm Central on Moody Radio. Faith & Finance Live is a listener supported program on Moody Radio. To join our team of supporters, click here.To support the ministry of FaithFi, click here.To learn more about Rob West, click here.To learn more about Faith & Finance Live, click here. See omnystudio.com/listener for privacy information.

In this episode, Ben Felix and Dan Bortolotti take on 10 of the biggest myths in personal finance and investing. From the idea that young people should save every possible dollar to benefit from compounding, to assumptions about economic growth, dividends, index funds, valuation ratios, stock picking, bonds, gold, and homeownership, they examine the subtle details that can make  conventional wisdom misleading.   Ben and Dan explore why personal finance is often about balance rather than absolute rules, why spending decisions can be just as important as saving decisions, and how investors can confuse familiar stories with useful financial principles. Along the way, they discuss consumption smoothing, marginal utility, total returns, diversification, valuation, risk, inflation, and the trade-offs between renting and owning.   They also announce a new podcast initiative: future episodes featuring PWL clients discussing their experiences and the impact that financial planning has had on their lives.   Key Points From This Episode: (0:00:00) Highlights. (0:00:35) Ben and Dan return to the podcast and discuss recording from PWL's Montreal office. (0:01:09) A new podcast initiative: PWL clients will join future episodes to discuss their experiences with financial planning. (0:01:43) A new podcast initiative: PWL clients will join future episodes to discuss their experiences with financial planning. (0:02:18) How greater clarity about their finances can affect clients' important life decisions. (0:05:30) Introducing the main topic: 10 of the biggest myths in personal finance. (0:06:24) Myth #1: You should save as much as possible when you're young to maximize the benefits of compounding. (0:08:54) Why the marginal utility of consumption may be highest when income and living standards are comparatively low. (0:11:26) How health, skills, and experiences can also compound over time. (0:12:31) Why aggressive saving habits can sometimes lead to an inability to spend accumulated wealth. (0:13:37) Helping retirees identify what they actually enjoy spending money on. (0:15:35) Why spending and saving decisions can become emotionally charged and feel irreversible. (0:17:30) Saving as deferred consumption—and why the answer for most people is some balance between spending now and saving for later. (0:18:50) The life-cycle model and the idea of smoothing consumption across a lifetime. (0:20:23) Building a saving habit while also learning to spend thoughtfully. (0:21:09) Myth #2: Economic growth is good for stock returns. (0:21:30) Why economic headlines can influence investor psychology and investment decisions. (0:25:12) Why strong economic growth does not necessarily translate into strong stock returns. (0:25:12) Myth #3: Dividends explain a large percentage of historical stock market returns. (0:27:52) Why the source of a company's return does not make one component inherently more valuable than another. (0:30:57) Myth #4: Index funds only give investors average returns. (0:30:57) Why an index fund can outperform most active investors. (0:33:14) The difference between average performance and the performance of the average investor. (0:36:31) Myth #5: Future market returns are always low when the Shiller CAPE ratio is above 40. (0:36:31) What the Shiller cyclically adjusted price-to-earnings ratio measures. (0:41:25) Why valuation can contain information about expected returns without providing certainty about what markets will do next. (0:43:24) Myth #6: Warren Buffett proves that investors can beat the stock market by picking stocks. (0:43:24) Buffett's extraordinary career, the importance of his early performance, and the difficulty of using exceptional outcomes as a general strategy. (0:46:17) Myth #7: Bonds and cash are safe investments. (0:46:17) Why reducing stock exposure does not eliminate investment risk. (0:50:03) The distinction between short-term volatility and other risks, including inflation and purchasing-power risk. (0:53:59) Myth #8: Gold is an inflation hedge. (0:53:59) Why gold's long-term preservation of purchasing power does not necessarily make it a reliable hedge over intermediate periods. (0:56:28) Myth #9: Gold is the one true currency. (0:56:28) The long-running debate over what money is and who should control it. (1:00:42) Myth #10: Renting a home is throwing money away. (1:00:42) Why paying rent provides housing while allowing renters to retain capital for other purposes. (1:08:04) Why simple rules of thumb can sometimes be useful even when they are not financially optimal in every situation. (1:09:52) Wrapping up the 10 myths in personal finance.   Links From Today's Episode: Meet with PWL Capital: https://calendly.com/d/3vm-t2j-h3p Rational Reminder on iTunes — https://itunes.apple.com/ca/podcast/the-rational-reminder-podcast/id1426530582. Rational Reminder on Instagram — https://www.instagram.com/rationalreminder/ Rational Reminder on YouTube — https://www.youtube.com/channel/ Benjamin Felix — https://pwlcapital.com/our-team/ Benjamin on X — https://x.com/benjaminwfelix Benjamin on LinkedIn — https://www.linkedin.com/in/benjaminwfelix/   Editing and post-production work for this episode was provided by The Podcast Consultant (https://thepodcastconsultant.com)

It’s usually smarter to weigh consequences rather than chase probabilities. Whether you’re building a portfolio or mulling over a new job prospect, checking the odds of success matters. But what if even a low‑odds failure could wipe you out financially? On the next Faith & Finance Live, Rob West and Mark Biller talk through how to guard against events that can ruin a financial plan and more. Then, it’s on to calls. That’s Faith & Finance Live, biblical wisdom for your financial journey. That’s weekdays at 4pm Eastern/3pm Central on Moody Radio. Faith & Finance Live is a listener supported program on Moody Radio. To join our team of supporters, click here.To support the ministry of FaithFi, click here.To learn more about Rob West, click here.To learn more about Faith & Finance Live, click here.See omnystudio.com/listener for privacy information.

"Do I need a trust or just a will?" might be the single most common estate planning question there is, and estate attorney Tim Semro says most people are asking it backwards. The real question isn't trust versus will, it's how do you avoid probate, and a trust is just one of several ways to get there. Tim returns to answer a full mailbag of real Stacker questions, covering everything from a $200,000 mistake buried in a lady bird deed to the exact reason so many families accidentally disqualify a parent from Medicaid.What You'll Walk Away WithWhy "trust versus will" is the wrong question, and the three-column framework that actually determines what you needWhat a lady bird deed is, when it makes sense, and the family conflict it can quietly set up down the roadThe tax detail buried in gifting property early that can cost your heirs tens of thousands of dollars they didn't expectWhy naming a power of attorney without having an honest conversation first is one of the most common and costly mistakes families makeThe five-year Medicaid look-back rule explained clearly, including what happens if you don't quite make it to five yearsHow debt actually works after someone dies, including a real statute of limitations window most people don't know existsA special needs trust structuring tip that can protect a family member's government benefits without giving up their inheritanceWhy This Matters NowEstate planning tends to get pushed to "someday" because it feels complicated, uncomfortable, or like it only matters once you're wealthy. But the actual decisions, who has power of attorney, how property transfers, what happens if a parent needs long-term care, apply to nearly every family, regardless of net worth. Getting the structure right isn't about predicting the future perfectly. It's about making sure the people you love aren't left guessing, fighting, or losing money to easily avoidable mistakes during an already difficult time.From the BasementA birthday trivia detour into the surprising origin of the Nobel Prize reveals it was born from a very specific kind of reputation crisis, proof that it's never too late to actively shape how you'll be remembered.Resources MentionedYour Money, Your Way by Tim Semro — Tim's book on estate planning, free to downloadSemro Henry Ltd. — Tim's estate planning law firmStacking Benjamins Field Kit — the all-in-one financial organization toolSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

On the Money Meets Medicine podcast, Dr. Jimmy Turner and Justin Harvey discuss how common personal finance advice can be especially costly for physicians and outline six “bad advice” items. They warn that disability insurance company choice matters because applying with the wrong carrier can trigger denials that eliminate access to guaranteed standard issue policies; they also caution against waiting until late in training. They argue that saving 10–15% or just maxing a 401(k) is usually insufficient for doctors with delayed earnings and debt, suggesting higher savings rates based on retirement goals. They note student loan consolidation advice has changed under the One Big Beautiful Build Act and may limit repayment plan eligibility. They criticize “pay off all debt before investing,” explain why renting isn't necessarily “throwing money away,” and argue that asking if an advisor is a fiduciary is no longer reliable, favoring fee-only transparency. Resources: Every doctor needs own-occupation disability insurance.  Get it from a source you can trust: https://moneymeetsmedicine.com/disability    Are you a 1099, locums doc, or private practice partner or business owner? You need a tax strategy team. Get 10% off working with the team I use here (Gelt): https://moneymeetsmedicine.com/CPA Want a free copy of The Physician Philosopher's Guide to Personal Finance?  Snag your copy here: https://moneymeetsmedicine.com/freebook Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Whether you're taking your very first steps into personal finance or hitting the reset button on your money habits this fall, it's time to go back to school. In this episode, Ross and Dan break down the essential "Personal Finance 101" building blocks everyone needs to master—no finance degree required.Send us Fan MailSend your questions for upcoming show to checkyourbalances@outlook.com @checkyourbalances on Instagram

Stewardship is a continuous cycle that progresses from gratitude to growth to generosity. When we are grateful, we can recognize what God entrusts to us. Through our faithful actions, we further develop our life of stewardship. Finally, we bless others when we give. On the next Faith & Finance Live, Rob West and Tim Tassopoulos describe how that cycle applies to both time and money. Then, it’s on to calls. That’s Faith and Finance Live . . . biblical wisdom for your financial decisions. That’s weekdays at 4pm Eastern/3pm Central on Moody Radio. Faith & Finance Live is a listener supported program on Moody Radio. To join our team of supporters, click here.To support the ministry of FaithFi, click here.To learn more about Rob West, click here.To learn more about Faith & Finance Live, click here.See omnystudio.com/listener for privacy information.

Send us Fan MailASSETS THAT PAY YOU. SAVE YOURSELF BEFORE IT'S TOO LATEAi Business Help. Information & Tools: https://www.leskolovesai.com/business❤️️Grants from states and local governments: https://findhelp.org/❤️️Caregivers, Mental Health: https://www.211.org❤️️Get Your .crypto domain name here. Web 3 Unstoppable Domains and FREE Minting on Polygon. No Annual Domain Name Fees. Could be the future: https://unstoppabledomains.com/?ref=c6af699e6d94459

Nobody skips reading a contract because they're careless. Contract attorney Leo Mann spent 30 years writing the fine print that governs leases, car loans, job offers, and gym memberships, and he says the reason smart people sign blind isn't laziness at all. It's four specific psychological pressures, engineered on purpose, stacked on top of each other in the exact moment you're handed the paperwork. Today he walks through exactly how those tricks work, and more importantly, how to spot them before you sign away something you'll regret.What You'll Walk Away WithThe four psychological traps, stacked together on purpose, that get otherwise careful people to sign without readingWhy the phrase "this is standard" should be one of the biggest red flags in any negotiationA green flag, yellow flag, red flag rundown of common contract moments, from blank spaces to rush deadlines to page-by-page initialsThe hidden clause in shared leases that can leave one person legally responsible for an entire group's unpaid rentWhy the number on the front page of a lease or job offer is often just marketing, and where the real total actually livesThe critical difference between an employment offer letter and the actual employment agreement, and why only one of them is legally bindingWhy severance is almost always more negotiable than employers make it seem, and the two questions worth asking about any financial product before you commitWhy This Matters NowEvery adult signs dozens of contracts over a lifetime, apartment leases, car loans, job offers, gym memberships, and the fine print in most of them is written to be skimmed, not read. That's not an accident, and it's not really about intelligence or diligence either. It's about recognizing the exact moments you're being nudged to move fast, and knowing which few sentences in a stack of paperwork actually matter. A little contract literacy doesn't just protect your money, it gives you real leverage the next time someone slides a stack of paper across the table and says, "just sign here."From the BasementA headline about Pepsi's infamous 1996 fighter jet promotion becomes the day's trivia detour, proving that even the biggest brands occasionally get burned by their own fine print, right alongside the rest of us.Resources MentionedDon't Sign That by Leo Mann — Leo's #1 bestselling guide to consumer contractsThe Contract Literacy Movement — Leo's initiative teaching everyday people to read what they signStacking Benjamins Field Kit — the all-in-one budgeting, credit monitoring, and financial tracking toolStacko Financial Action Month board — the interactive game with a money move for each squareSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In Part 1 of this bold, funny, and unfiltered two-part conversation, 50ish & Fab host KC Sonshine sits down with guest- host Tye to put one big question on trial: Is it really a man's world... or are we just not understanding each other anymore?Inspired by It's a Man's Man's Man's World by James Brown, this episode dives into men vs. women, dating after 50, communication styles, gender roles, relationship expectations, and generational differences—then vs. now. KC brings the seasoned Gen X perspective—spiritual, experienced, and not easily impressed—while Tye, the millennial voice with confidence and edge, brings bold opinions and just enough spice to keep things interesting. KC Sonshine breaks down:Gen X vs Millennial dating differences: Why effort and emotional expression don't always matchHow miscommunication turns into frustrationWhy healthy relationships require translation—not just attractionBecause sometimes it's not that they don't care...they just don't communicate the way you need.

What if the person explaining money to your kids has already been doing it for more than half his life, and passed the CFP exam before he could legally vote? Bill and Jackie sit down with 16-year-old Rishi Vamdatt, founder of Easy Peasy Finance. Rishi started learning about money at six, investing at seven, and teaching personal finance on YouTube at eight. But this isn't just a story about an unusually motivated teenager. Rishi offers a surprisingly universal lesson: money gets easier when we strip away the jargon, practice with real dollars, automate the basics, and start where we are.   This episode covers How Rishi passed the CFP exam at just 16 years old The childhood experiences that sparked his fascination with money Why he gave up birthday parties and started investing at age seven How Easy Peasy Finance grew from kid-friendly three-minute videos into more than 1,300 pieces of financial content What parents can do to teach kids about money without turning it into another lecture Why allowances, real-life practice, and even small money mistakes can be powerful teachers Rishi's simple approach to index funds, automation, and long-term investing Why financial education should begin before high school His take on Roth IRAs, 529 plans, Trump accounts, taxes, and estate planning What a 16-year-old financial educator wants late starters to remember about beginning today   . === SUPPORT  THE  SHOW ===

Send us Fan MailTodd is getting ready to start his 27th year teaching as a California Personal Finance educator. Growing up in a lower middle class family, he ended up marrying his college sweetheart from Arizona State University. As a teen, his wife spent some time being homeless. Together, they decided they would NEVER live the way they grew up and wanted more for themselves. Teaching has taken Todd from AZ to TX and now California. Todd's took some risks in life and they have paid off, for the most part. He believes his job as a teacher enables him to take risks that others cannot because he has the pension and so much time off to study deals and make moves. Be a guest on the show:https://www.financiallyindependentteachers.com/contact-8Check out our website:https://www.financiallyindependentteachers.com/Sign up for FIT coaching:https://www.financiallyindependentteachers.com/services-4

There's a version of financial responsibility that looks a lot like discipline but can quietly become something else: an inability to ever stop optimizing. Chasing 0.2% more interest. Driving fifteen minutes out of the way for cheaper gas. Budgeting so tightly that a $5 bottle of multivitamins feels like a crisis. Wealthy Kids Club founder Maya Corbic joins Carol Ann Desiderio and Jesse Cramer for a genuinely fun debate about where the line actually sits, and what over-optimizing quietly costs when nobody's counting it.What You'll Walk Away WithA simple test for telling the difference between smart optimization and time-wasting perfectionismWhy budgeting "until it hurts" can quietly damage your relationship with money more than it helpsThe real math behind small optimizations, like driving out of your way for cheaper gas or chasing a slightly higher savings rate, and when they're actually worth itA reframe on "one more year" retirement thinking that flips the entire question aroundWhy letting kids make small, reversible money mistakes teaches more than any lecture ever couldThe surprising overlap between "still researching the best option" and simply avoiding a decisionWhy the biggest lever in your investment returns has almost nothing to do with picking the "best" individual stockWhy This Matters NowIt's easy to assume that more research, more comparison, more fine-tuning always makes for a better financial decision. But there's a point where that instinct stops protecting you and starts costing you, in time, in joy, and sometimes in the decision never actually getting made at all. Recognizing when a plan is genuinely good enough isn't giving up. It's redirecting your energy toward the things optimization can't fix: time with people you love, work that fulfills you, and a life that isn't built entirely around squeezing out one more percentage point.From the BasementA wild detour into the 1964 Great Plymouth Mail Truck Robbery keeps the crew's year-long trivia race razor close, while an entirely unrelated cookie heist upstairs in mom's kitchen proves that not every optimization scheme goes according to plan.Resources MentionedWealthy Kids Club — Maya Corbic's family financial education programPersonal Finance for Long-Term Investors podcast — Jesse Cramer's show, referenced episode: "Is My DIY Financial Plan Working?"Stacking Benjamins Benjamins After Dark meetups — local in-person Stacker meetup groups, including BostonGranola — AI-powered meeting notes tool mentioned in the sponsor breakSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

NBC's Kaylee Hartung looks into the latest trend of dorm décor and how move-in is looking a little different. Brian Cheung, NBC business correspondent, helps viewers break down numbers and review their personal finances. Laura Jarrett shares the inspiring story of one trailblazer who took a few unexpected turns before realizing her dreams. And, Joy Bauer helps viewers get back into the school routine with some easy breakfast ideas. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Got money questions for the modern millennial mom? Meet Money Talk Mal. She creates great content online centered around financial literacy and today she is our guest co-host on the podcast! She talks about the biggest money issues the modern millennial woman faces and her biggest piece of advice. Plus, we cover Last Three Transactions, Ditch the Drive-Thru and Kelly gives Mal a consult on her next car.  Follow Mal on Instagram @malmoneytalks and visit her website moneytalkmal.com 

Every year, Len Penzo prices out the exact same ten brown-bag sandwiches, using the exact same methodology, at the exact same time of year, and turns it into one of the most oddly reliable inflation trackers around. This year the numbers are ugly: double-digit jumps across the board, an 80% spike in one ingredient alone, and a genuinely surprising twist involving the humble bologna sandwich that Len says has quietly tracked economic downturns for nearly two decades. Then, a headline that should make every family pause: how one daughter used a single signed document to quietly drain nearly a million dollars from her own father.What You'll Walk Away WithWhich sandwich ingredient jumped a jaw-dropping 80% this year, and why it's not the one you'd expectThe strange, long-running correlation between bologna sales and economic recessionsSimple substitutions, buying whole meats and block cheese instead of pre-sliced, that can meaningfully cut your grocery billWhy "nominally the highest price ever" doesn't always mean "the most expensive it's ever really been," once you adjust for inflationHow a single signed power of attorney document led to nearly $1 million disappearing from a vulnerable parent's accountsThe real difference between what your estate plan says and what your actual account beneficiary designations say, and why that gap can undo your entire planA billionaire's surprisingly simple family money ritual that keeps inheritance conflicts from tearing families apartWhy This Matters NowGrocery prices are one of those slow, quiet costs that are easy to underestimate until you actually look at the numbers side by side. At the same time, the legal documents meant to protect aging family members, like power of attorney, only work as intended when there's real transparency and real trust behind them. Both stories point to the same underlying idea: the clearest financial protection usually isn't a clever trick, it's paying close attention to the details that are easy to assume are already handled.From the BasementA story about a backyard grill fire escalates into a genuinely useful (and slightly panicked) lesson on fire extinguisher use, corrosive foam and all, proving once again that the best financial lessons in the basement don't always come from a spreadsheet.Resources MentionedLenPenzo.com — Len Penzo's full 18-year sandwich survey and price historyHow Kenn Ricci Runs Family Wealth Meetings — the Wall Street Journal piece on transparent family net worth meetings, referenced in the discussionStacking Benjamins Field Kit — the all-in-one budgeting and financial tracking toolSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

SpaceX priced at $135 a share, raised $75 billion, and hit an all-time high of $225 within days — then fell to $107. Dr. Jimmy Turner and Justin Harvey CFP break down how index funds actually decide what gets included in the index, why the S&P 500 said no to SpaceX while CRSP and the Russell 1000 said yes, and what that means for the total stock market index fund in your 401(k). What you'll learn: Why an index fund doesn't pick stocks — it follows 3 rules: seasoning, profitability, and float How Nasdaq, Russell 1000, and CRSP cut IPO seasoning for SpaceX Why your money in an IPO often funds the private investors cashing out on the other side What Dimensional's 12-month IPO exclusion says about buying at the offering How to handle FOMO before Anthropic and OpenAI potentially go public Resources mentioned: Looking to lower your taxes? Check out Gelt, the tax team Jimmy uses: https://moneymeetsmedicine.com/CPA Juno — Looking for a lower interest rate on your student loans?  Use group negotiated rates from Juno here: moneymeetsmedicine.com/juno Every physician needs disability insurance. Get quotes from Money Meets Medicine Disability Insurance: https://moneymeetsmedicine.com/disability  The Physician Philosopher's Guide to Personal Finance — free book for physicians — moneymeetsmedicine.com/freebook Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Three Stackers call into the basement today with three very different problems, but they all boil down to the same uncomfortable question: what do you do when the "obviously right" financial move doesn't feel right? A generous employer match paired with fund choices you're not thrilled about. A tax bracket so low it seems wasteful not to convert. A life that just took a turn nobody expected, and a whole new set of financial tools nobody teaches you about until you need them. Joe, OG, and Anna Allen tackle all three with real, usable answers.What You'll Walk Away WithWhy turning down a five-figure employer match over fund quality concerns is almost always the wrong move, and the workaround that fixes it anywayThe real difference between an actively managed fund and a passive one, and why "active" isn't automatically a red flagA little-known 401k feature that can give you far more investment control without giving up your matchHow to think through a Roth conversion when your income, your future tax bracket, and even the state you'll retire in are all still unknownThe single mistake that quietly wastes a Roth contribution opportunity for good, since you can never get that calendar year backWhat an ABLE account is, and how it's different from a 529 in a way that matters enormously for a family navigating a new diagnosisWhy a special needs trust often gets layered on top of an existing estate plan rather than replacing it, and the questions worth asking an attorney before that meetingWhy This Matters NowGood financial advice usually comes with fine print that nobody mentions: what to do when the textbook answer doesn't quite fit your actual life. A workplace retirement plan with mediocre fund choices, a temporary low-income window that might not last, a family circumstance nobody could have planned for. The goal isn't finding a perfect answer; it's understanding the real trade-offs well enough to make a confident decision and adjust as life changes. That's true whether the stakes are a few hundred dollars in fees or a lifetime of care for someone you love.From the BasementA Financial Action Month detour into meal planning turns into a genuinely useful AI-assisted grocery hack, plus a spirited debate over Aldi loyalty and the eternal question of what actually counts as a proper turnover pastry. Some debates never get resolved in the basement, and that's exactly as it should be.Resources MentionedStacking Benjamins Field Kit — the all-in-one budgeting, net worth, and subscription tracking toolStacko Financial Action Month board — the interactive game with a money move for each squareThree Money Buckets video — Stacking Benjamins' YouTube Financial Basics courseYell Down the Stairs — submit a question for a future episodeSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.