Podcasts about Renting

A Note from James:In 1790, one of the easiest ways to get rich in America was the old-fashioned way: marry someone rich.George Washington did pretty well that way. Benjamin Franklin, meanwhile, was so deep in debt that he offered to marry a woman if her parents would mortgage their house to pay off his printing press debt. When they said no, he married someone else who had money.And back then, debt was not just annoying. It could land you in debtor's prison. Actual prison. And not just you—your wife and kids could go too.Fast-forward to the 1900s, and most Americans still were not buying stocks. Only a tiny percentage owned shares. Everyday people were gambling, playing the numbers, using dream-interpretation books to decide what lottery number to play, and trying to find some edge that would move them a little closer to security.My guest today, Joseph Moore, literally wrote the book on this: How to Get Rich in American History: 300 Years of Financial Advice That Worked (& Didn't).The book is full of strange, funny, surprising stories about money in America: Franklin, Washington, debtor's prison, the Great Depression, bucket shops, real estate booms, FIRE, crypto, debt, index funds, and all the scams people keep falling for.But the bigger lesson is that the basic patterns have not changed as much as we think.People want security. People want freedom. People want hope. People want a way out. And whenever there is hope, there is usually someone selling a formula.Joseph has very little patience for the usual personal finance myths. Debt does not make you rich. Opportunity makes you rich. Real estate is not always a magic wealth machine. The stock market was not designed to be everyone's retirement plan. FIRE can work, but it can also become the CrossFit of personal finance. And optimism, marriage, mobility, risk, and solving other people's problems may matter more than almost anything else.If you think the rules for getting rich have changed completely, this conversation may convince you how little human nature has changed.Episode Description:Joseph Moore joins James to talk about the long, strange history of getting rich in America.His book, How to Get Rich in American History, looks at 300 years of financial advice—what worked, what failed, what people kept repeating, and what today's money culture keeps forgetting.The conversation starts in 1790, with George Washington, Martha Washington, Benjamin Franklin, Stephen Girard, debt, leverage, and debtor's prison. Joseph explains that many early American fortunes were built through risk, borrowed money, marriage, luck, and then—critically—de-leveraging over time.That becomes one of the core lessons of the episode: debt does not make people rich. Opportunity does. Debt is only a tool that allows someone to grab more of an opportunity than they otherwise could. But if the opportunity is not real, or the person cannot handle the risk, debt destroys them.James and Joseph then move into real estate. Joseph argues that real estate is a good way to build a modest middle-class fortune, but not usually the path to the biggest fortunes. In modern America, he says, real estate often functions as a short on the dollar, an income annuity in a low-dividend world, a tax shelter, and a way for ordinary people to use leverage they could not access anywhere else. But that does not make buying a house automatically smart. Renting versus buying depends on age, mobility, location, family needs, inflation, taxes, maintenance, transaction costs, and opportunity cost.The conversation then turns to the stock market. Joseph challenges the usual historical charts that claim anyone could have invested a fixed sum in 1929 and held forever. Most Americans could not invest that way. There were no index funds, mutual funds had high fees, and buying an index directly required enormous capital. Instead, everyday people went to bucket shops, bet on price moves, played the numbers, and treated gambling as a kind of financial hope.James and Joseph also discuss passive investing, shadow indexing, the rise of ETFs and 401(k)s, and the way the stock market has become a mass retirement promise. Joseph points out that this is historically new. For most of American history, no ordinary person would have expected to retire on the stock market.From there, the episode moves to FIRE: financial independence, retire early. Joseph has lived part of that story himself. He built enough wealth through rental real estate after 2008 to stop working for a period, only to discover that early retirement was not automatically fulfilling. He compares FIRE to CrossFit: extreme, demanding, sometimes powerful, sometimes injurious, and not a lifestyle most people actually want.The final section asks the big question: What has consistently worked?Joseph boils the lessons down to five pillars: solve other people's problems, take risks, move toward opportunity, marry well, and believe you can. James adds that optimism matters because it keeps people in the game long enough to get more shots on goal.The result is a conversation about money, but also about history, risk, luck, marriage, mobility, discipline, scams, and the difference between getting rich and staying rich.What You'll Learn:Why early American wealth often involved marriage, leverage, luck, and risk.How George Washington's marriage to Martha helped fund the Washington we remember.Why Benjamin Franklin's public advice about debt did not match his own early financial behavior.What debtor's prison meant in early America, including the risk to families.Why debt is a tool, not a wealth strategy by itself.Why opportunity—not debt—is what actually makes people rich.Why real estate can build middle-class wealth but rarely creates the biggest fortunes.How buying a home can reduce mobility and opportunity, especially for younger people.Why renting versus buying is situational, not a universal rule.Why most Americans historically could not invest in the stock market the way modern charts imply.What bucket shops and “the numbers” reveal about everyday financial hope.How passive investing changed the purpose of the stock market.Why stock-market concentration is not new, but mass participation is.Why FIRE can work mathematically and still fail psychologically.How older financial-independence stories often hid trust funds, inheritances, or outside support.Why inflation is one of the biggest risks to early retirement.Why getting rich and staying rich require different behavior.Why successful people often take risk early and reduce risk later.Why optimism is financially useful when it keeps people in the game.The five recurring pillars Joseph sees across American wealth-building history.Timestamped Chapters:[05:00] How to Get Rich in 1790James asks Joseph how someone got rich in early America, starting with George Washington, Martha Washington, and marriage as a financial strategy.[07:24] Stephen Girard and Benjamin Franklin's DebtJoseph compares Stephen Girard's leveraged rise with Franklin's messy early business debts.[10:29] Debt Does Not Make You RichJoseph explains that opportunity creates wealth, while debt simply lets someone reach for more of that opportunity.[11:23] Debtor's Prison Was RealJoseph explains why failing in the 1790s could mean prison not only for the debtor, but for the debtor's family.[12:25] The Real Estate MythJoseph argues that real estate can build modest wealth, but rarely creates the biggest fortunes.[13:43] Real Estate as a Short on the DollarJoseph explains modern real estate as an inflation bet, income annuity, tax shelter, and leverage tool.[15:22] You Need an EdgeJames argues that every bet has someone on the other side, which means investors need to know what their advantage actually is.[16:18] Beating the Market, Missing the MomentJoseph tells the story of shorting Jim Cramer stock pops, beating the market net of theory, losing to fees, and missing his daughter's first steps.[19:56] Shadow Passive InvestingJames and Joseph discuss hedge funds, index tracking, fees, and the way much of Wall Street quietly follows the same big benchmarks.[20:31] The Index RevolutionJoseph explains why Vanguard's 1976 index fund changed investing for ordinary Americans—and why passive investing may create new structural risks.[24:24] The Four Percent of Stocks That MatterJames and Joseph discuss stock-market returns, T-bills, concentration, and why a small number of companies drive most gains.[25:16] The Second Bank CrashJoseph compares modern market concentration to the 1830s, when the Second Bank of the United States made up a huge share of the stock market before collapsing.[26:21] The Stock Market as a Retirement PromiseJoseph explains why turning the stock market into a mass retirement strategy is historically new.[29:58] The Problem With “The Chart”Joseph criticizes the classic financial-advisor chart that assumes someone in 1929 invested a large sum, held forever, and never touched it.[31:17] Bucket Shops and Playing the NumbersJoseph explains how everyday people used gambling, bucket shops, and lottery-like games as financial hope when stock ownership was out of reach.[34:04] The Mean Moves Through TimeJoseph explains why history is not physics and why the “average” keeps changing as the economy changes.[35:49] Renting vs. BuyingJames and Joseph debate the homeownership myth, maintenance, taxes, transaction costs, mobility, family stability, and when buying can make sense.[41:02] FIRE and the Question of EnoughJames asks how much is enough in 2026, and Joseph explains why the answer depends on location, expectations, security, and lifestyle.[44:24] FIRE as the CrossFit of Personal FinanceJoseph compares FIRE to an extreme discipline that can work for some people but injure others if they push too hard.[45:38] Geoarbitrage and Selling the DreamJames and Joseph discuss moving somewhere cheaper, Instagram FIRE influencers, and the difference between living the dream and monetizing the dream.[46:00] The Long History of Financial IndependenceJoseph traces earlier versions of FIRE through Sylvester Judd, Thoreau, Emerson, and Helen and Scott Nearing.[49:17] Inflation and the FIRE RiskJoseph explains how Your Money or Your Life and bond-heavy financial independence strategies ran into changing interest-rate realities.[50:23] Five Pillars of Getting RichJoseph lays out the durable lessons: solve problems, take risks, move more, marry well, and believe you can.[53:43] Marriage, Optimism, and Staying in the GameJames and Joseph talk about supportive partnership, optimism, savings discipline, and why staying in the game increases opportunity.[56:11] The Line Between Optimism and RecklessnessJoseph distinguishes productive optimism from gambling and explains why control over outcomes matters.[58:28] Getting Rich vs. Staying RichJoseph explains why many wealthy people take risk early, then de-lever over time to keep what they built.[01:00:00] Leverage, Trading, and the Guy Who Never StopsJames and Joseph discuss extreme leverage, Bitcoin futures, Jesse Livermore, gamblers, and why some people cannot walk away.Additional Resources:Joseph Moore - History HelpsHow to Get Rich in American History - Book PageHow to Get Rich in American History - Google BooksNext Big Idea Club: “The Changing Rules for Getting Rich in America”Fast Company: “How the rules of getting rich in the U.S. change with every era”The Motley Fool Interview with Joseph MooreMeb Faber Show InterviewSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Click this link for the new Living Emunah from Artscroll on Tefillah https://www.artscroll.com/Books/lemtfh.html The month of Elul is a tremendous gift from Hashem. It's an opportunity for us to prepare for a new beginning and attain teshuvah for our past wrongdoings. Hashem does not expect a person to become perfect overnight, but we do have to show that we care. We have to show that we want to grow. And besides for the will, we have to put forth effort. When a person truly wants something in avodat Hashem and does what he can to achieve it, he will often see Hashem giving him siyata d'Shmaya to accomplish things he never would have been able to accomplish otherwise. A young man recently went with his family on vacation to a place he really did not want to go. He never missed a minyan, but where they were staying, the nearest minyan was about a half hour away. Renting a car there wasn't an option, Uber didn't really work, and the only way to get to shul was by taxi. Each ride was going to cost about $60, which meant that to go to Shacharit and back and then Minchah and Arbit and back every day would cost him $240 a day. He tried contacting the local Chabad rabbi to see if maybe there were other Jews staying near him with whom they could make a minyan, but nothing worked out. Finally, he decided, "I'm going to minyan no matter what it costs." A few days into the trip, he received a phone call from a man who said, "I deal in Rolex watches, and I have one at the front desk of the hotel you're staying in. Can you bring it back with you to New York? I'll pay you a few hundred dollars." The young man asked, "How did you even know to call me?" He replied, "The Chabad rabbi gave me your number. He said you're a good guy." The young man agreed and then told the man, "I want you to know, every dollar you're giving me is going toward a mitzvah." He explained how much he was spending every day just to get back and forth to minyan. The man couldn't believe it. He said, "If that's what you're using the money for, then it would be my zechut to pay for every single day." And with that, the young man's taxi expenses to minyan were paid for the entire trip. First, he showed Hashem how much he wanted to do the mitzvah. Then he was willing to sacrifice for it, and Hashem took care of the rest. Another man told me that he took it upon himself to make sure people in shul were wearing their tefillin properly. He noticed that so many people had their tefillin falling below the proper place on the hairline, so he learned how to adjust the straps. Over the course of a year, he fixed between 200 and 300 pairs of tefillin. A few months ago, he started feeling different when he would pray. Day after day, he felt something was missing. He didn't feel the same connection to Hashem, and it was spilling over into the rest of his day. This continued for weeks. One day, he didn't have his tefillin with him and borrowed a pair from his friend. That day, suddenly, he felt so much better. The next day, he went back to his own tefillin, and once again things didn't feel right. It occurred to him that maybe there was something wrong with his tefillin. He brought them to his sofer, and indeed, it was discovered that his tefillin were pasul. He said, "I could have gone my entire life without ever knowing my tefillin were pasul." But he went out of his way to help hundreds of other Jews with the mitzvah of tefillin, and then Hashem gave him the extraordinary siyata d'Shmaya to discover the problem with his own. Another man said he went away with his family for a couple of weeks this summer. When they arrived, they discovered that the local shul prayed much later than they were accustomed to, and on Shabbat they would reach the Amidah only after the zman tefillah. This bothered the man very much because he was always careful to pray within the proper zman. He spent the first several days of his vacation searching for another minyan. The possibilities were miles away, but it was so important to him that he kept trying to find a solution. That Friday morning, he was sitting in the shul near his house when suddenly a man walked in and asked, "By any chance, could you join us for a minyan tomorrow morning that will be praying within the zman?" He couldn't believe what he was hearing. The man explained that six of them had just arrived from out of town and were looking to put together an early minyan. Suddenly, the minyan this man had been searching for was right down the block from his house. The following Shabbat, those people had left, and once again he had the same problem. He prayed to Hashem and hoped that somehow he would be able to make the zman again. Amazingly, that next Friday, another group arrived in town, staying in a different house—again, six people. Together with some people from his own family and a neighbor, they were once again able to make a minyan within the zman. This is a powerful lesson for the month of Elul. We may look at ourselves and see that a lot needs improving. Sometimes we may wonder, how am I going to change? It's too hard. But Hashem doesn't ask us to do everything ourselves. He wants us to show Him that we truly want to grow, and He wants us to put forth our best effort. When someone says, "Hashem, I want to do this. I'm going to try. I'm going to sacrifice. I'm going to do what I can," then hopefully Hashem will give him the siyata d'Shmaya he needs to accomplish it in the best way.

A high income does not automatically mean you own your time.If your income disappears the moment you stop working, your calendar is still controlling your financial life.In this episode of The Level Up Podcast, Paul Alex breaks down why true wealth requires separating income from your physical presence and building assets that continue producing without demanding every hour of your day.Trading time for money can create a great living.But it has a ceiling.The next level comes from using your time and capital to build systems, investments, and teams that create leverage.In this episode, you'll learn:• Why a high salary does not always equal financial freedom• How time-for-money income limits your long-term autonomy• Why building assets and systems creates greater leverage• How recurring income can help you regain control of your calendarThe truth is simple:Time is the one asset you can never replace.Stop focusing only on earning a higher hourly rate.Build the system.Create the asset.Use leverage to separate your income from your daily presence.When your revenue can continue without every hour of your involvement, you stop renting out your calendar and start owning your time.Your Network is your NETWORTH!Make sure to add me on all SOCIAL MEDIA PLATFORMS:Instagram: https://jo.my/paulalex2024Facebook: https://jo.my/fbpaulalex2024YouTube: https://www.youtube.com/channel/UCGhDAD1JyGGzSQUPD9lc9HQLinkedIn: https://jo.my/inpaulalex2024Looking for a secondary source of income or want to become an entrepreneur? Check out one of my companies below to see if we can help you:www.CashSwipe.comFREE Copy of my book “Blue to Digital Gold - The New American Dream”www.officialPaulAlex.com

Housing affordability isn't just about home prices. A new Redfin analysis finds that housing and childcare for one child now consume about 52% of the typical working family's income nationwide—and in some expensive metros, the combined cost approaches an entire household income. Kathy Fettke looks at where families have the most financial breathing room, where affordability is stretched to the limit, and why rising childcare costs could force some families to delay homeownership and remain renters longer. Plus, what these changing affordability dynamics could mean for rental demand and real estate investors.   Get your Free PDF on which markets RealWealth Investors are choosing at www.Realwealth.com/AffordableMarkets.     Source: https://www.redfin.com/news/housing-childcare-costs-winnie/

Build your automated investing system: https://learn.themarkethustle.com/masterySide note: All figures in this video are as of July 2026. Mortgage rates, home prices, and market data change over time. Run the numbers for your own market before making a decision.Renting isn't always "throwing money away" and buying isn't always the smart move either. The right choice comes down to how long you plan to stay and whether you actually follow through on investing the difference. In this video, you'll see the real numbers behind a rent vs buy decision, and the 3 forces that tip the math in favor of owning over the long run.0:00 Renting Is Throwing Money Away (Or Is It?)1:01 The Real Math Behind Buying a Home1:49 Meet Ryan and Deborah: Buy vs. Rent3:57 Why Renting Wins in the Short Term5:06 The 3 Forces That Favor Long-Term Buying8:22 When Renting Actually Makes Sense10:44 The Financial Foundation You Need Before Buying A HouseWhat did you think of the episode? Let us know!Support the show

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)

I'm in a new city, still own my house in the old city, and now I'm wondering if I should try to buy another piece of real estate.Have a money question? Email us ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Subscribe to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Jill on Money LIVE⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Subscribe to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Jill on Money Newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YouTube: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@jillonmoney⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@jillonmoney⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠"Jill on Money" theme music is by Joel Goodman, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.joelgoodman.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

Uncage Your Income: 5 Ways Clinicians Can Create Passive Income What if you could make more money without simply adding more patients, more hours, or more stress to your schedule? In this episode of the Uncaged Clinician Podcast, David Bailiff is joined by Santi Villamil, the "Physio Sensei," to talk about one of the biggest challenges facing physical therapists and healthcare professionals today: how to stop trading all of your time for money. After years of working inside traditional healthcare systems, Santi shares how he learned to think differently about compensation, business, relationships, and the way he serves his clients. David and Santi break down practical ways clinicians can create additional income while building a business that gives them more freedom, flexibility, and time. You'll hear five outside-the-box strategies, including: Creating affiliate relationships and earning income from products you already recommend Turning treatments, protocols, resources, and memberships into scalable offers Renting unused clinic space to complementary healthcare and wellness providers Creating recurring revenue through monthly memberships and office hours Thinking differently about how you get paid and considering alternative forms of compensation But this conversation goes far beyond passive income. David and Santi challenge clinicians to move away from a scarcity and competition mindset and toward collaboration, relationships, abundance, and serving the client first. They discuss why building relationships with other professionals can create both referrals and new revenue opportunities—and why your business doesn't have to follow the traditional healthcare playbook. If you're a physical therapist, healthcare professional, clinic owner, or clinician who feels stuck trading time for money, this episode will challenge you to think differently and do differently. It's time to uncage your mind, uncage your business, and create a career that gives you more freedom—not more burnout. Listen in and discover how you can start thinking uncaged today.

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Retiring as a Single Lesbian in Setúbal, Portugal: Finding Community Beyond LisbonGuest: Jules de Mello | Host: Mark GoldsteinWhen Jules de Mello retired after a 27-year career as a federal criminal investigator, she went looking for a sunny, walkable place near the water where she could build a full life on her own terms. Lisbon was the plan, until the rents priced her out. Then she discovered Setúbal, a working port city on the cusp of its own renaissance, and never looked back.In this conversation, Jules opens up about what it really takes to retire as a single lesbian abroad: finding her people, and often building community from scratch, navigating a country that is warmly accepting but culturally reserved, and weighing the honest trade-offs of starting over solo in a place where you do not yet speak the language. It is a warm, practical, and refreshingly candid look at one of Portugal's most underrated cities.Meet JulesJules spent 27 years as a federal criminal investigator across several U.S. agencies before retiring in 2022. With Azorean roots on her great-grandfather's side, Portugal had always called to her. She first scouted the country in 2018, arrived permanently in Setúbal in April 2023, and soon became a self-described "connector," co-founding the Setúbal Pride meetup to bring locals, women, trans, and non-binary folks together in a community that had mostly orbited Lisbon before.In this episode00:00 Introduction: from federal investigator to Setúbal04:02 The 2018 trip that planted the seed06:48 Priced out of Lisbon09:31 Renting vs. buying in Portugal13:41 What Setúbal is really like17:46 Climate and the seasons24:00 Building queer community and founding Setúbal Pride29:31 LGBTQ+ acceptance and local culture33:53 Cost of living: rent and housing44:55 Utilities, internet, and getting around48:30 Food, markets, and the daily lunch special55:16 Walkability and transportation1:06:06 Healthcare: public, private, and Medicare1:25:39 Dining, wine, and café culture1:31:14 Visas and residency1:39:18 Honest trade-offs and final adviceWhat you'll learnWhy Setúbal, and not Lisbon? A medium-sized port city of roughly 140,000 people, Setúbal sits on an estuary with the Arrábida Nature Reserve rising behind it. Jules compares the feel to standing at the water's edge in Seattle, looking back at the hills. Downtown is flat and walkable, the covered market is considered one of the best in Portugal, and you are a short drive or train ride from Lisbon without paying Lisbon prices.What acceptance actually looks like. Portugal is legally progressive, with marriage equality and legal abortion that both predate the United States, but the culture is reserved and private. As Jules puts it, you can show up exactly as you are and be accepted, without anyone needing to label it or make a fuss. Older generations who lived under the dictatorship tend to be more guarded, while younger people simply do not think twice.The reality of building community. Finding the LGBTQ+ community as a single woman took real effort. Jules and a friend started the Setúbal Pride meetup in early 2024, hosting tea dances, potlucks, film nights, and gatherings designed to be diverse and welcoming. Her honest take: lesbians and gay men often socialize differently, and the language and cultural barriers add another layer, so she had to become the initiator rather than wait for community to find her.Walkability with caveats. Downtown is flat, and you can reach the butcher, the market, the pharmacy, and your doctor on foot, supported by a strong local bus system. But the cobblestone calçadas are uneven and tough on anyone with mobility challenges, so comfortable, flat walking shoes are not optional.Healthcare, honestly explained. Once you live in Portugal, you are covered under the public system, and many residents also carry private insurance. The two systems run in parallel and do not really talk to each other. Trauma and emergencies are routed through the public hospital, while private insurance speeds up elective procedures that would otherwise mean long public waitlists. Almost every physician speaks English, though front-desk staff and nurses often do not, so a translation app becomes part of every appointment.A practical snapshotThese are the figures Jules shared from her own experience around the time of recording. Treat them as a starting point, not a quote: costs shift with the market, and euro amounts convert to dollars at the current exchange rate.Rent (1 to 2 bedrooms): roughly 700 to 1,200 euros per month, rising toward 1,900 for newer units with modern amenities like a garage and air conditioning. Many traditional apartments come without appliances or a dryer (clothes dry on the line).Internet, phone, and TV bundle: around 50 euros per month for high-speed fiber.Electricity: can climb to about 200 euros in the hottest summer month if you run air conditioning heavily. Electricity and gasoline are both expensive; gas runs roughly 2 euros per liter, which Jules estimates at nearly 10 dollars per gallon.The daily lunch special (prato do dia): about 12 to 13 euros for several courses, often including bread, olives, a main, dessert, coffee, and wine.Private health insurance: roughly 100 euros per month under age 60, climbing to around 200 in your sixties. Only one private insurer in Portugal will enroll people over 70, though existing policyholders are generally kept on.Visas and residencyJules came on the D7 visa, sometimes called the retiree or passive-income visa. Her path: initial approval valid for 2 years, followed by a 3-year renewal, with the option to apply for permanent residency after 5 years of legal residence. She applied through the VFS vendor that handles Portuguese consular appointments in the U.S., interviewed in Washington, D.C., and saw approval in about 60 days, though timelines vary widely by consulate and can stretch to many months if documents expire mid-process.Important accuracy note on citizenship. Jules mentions that the path to Portuguese citizenship was extended from 5 to 10 years. We confirmed this: Portugal's Parliament approved a revised Nationality Law on April 1, 2026, and the President signed it on May 3, 2026, raising the residency requirement for naturalization to ten years for most non-EU nationals and seven years for EU and Portuguese-speaking (CPLP) nationals, with the residency clock now counting from the issuance of your first residence permit. Some details, including the exact effective date upon official publication and how the change applies to people already in the pipeline, were still being settled at the time of recording, and a constitutional challenge had been filed. This is a fast-moving and consequential area, so if citizenship is part of your plan, please confirm the current rules with a qualified Portuguese immigration attorney before making decisions. Permanent residency after five years is a separate process from citizenship.Jules on the honest trade-offThe hardest thing she gave up was the ease of finding community. Back home, queer life came with built-in hiking groups, dinner clubs, and shows to attend together. In Setúbal, she had to build that herself, and she has, becoming the bridge-builder her Portuguese choir mates now thank for getting everyone out the door. Her advice for anyone considering the move: visit beyond the vacation version, stay in a real neighborhood, do your own grocery run, and feel what daily life is honestly like before you commit. And, in the spirit of a friend who lives by it, say yes to every invitation.Listen and connectListen to the full conversation wherever you get your podcasts, and explore more LGBTQ+ retirement destinations at wheredogaysretire.com.Have a question about retiring abroad or a destination you'd like us to cover? Reach out through the website and join the conversation in our Facebook community. https://www.facebook.com/groups/GayRetirementPlaces"This was a wonderful, beautiful place to land. And I like sharing it with other people, because it's that good." — Jules de Mello

Retiring as a Single Lesbian in Setúbal, Portugal: Finding Community Beyond LisbonGuest: Jules de Mello | Host: Mark GoldsteinWhen Jules de Mello retired after a 27-year career as a federal criminal investigator, she went looking for a sunny, walkable place near the water where she could build a full life on her own terms. Lisbon was the plan, until the rents priced her out. Then she discovered Setúbal, a working port city on the cusp of its own renaissance, and never looked back.In this conversation, Jules opens up about what it really takes to retire as a single lesbian abroad: finding her people, and often building community from scratch, navigating a country that is warmly accepting but culturally reserved, and weighing the honest trade-offs of starting over solo in a place where you do not yet speak the language. It is a warm, practical, and refreshingly candid look at one of Portugal's most underrated cities.Meet JulesJules spent 27 years as a federal criminal investigator across several U.S. agencies before retiring in 2022. With Azorean roots on her great-grandfather's side, Portugal had always called to her. She first scouted the country in 2018, arrived permanently in Setúbal in April 2023, and soon became a self-described "connector," co-founding the Setúbal Pride meetup to bring locals, women, trans, and non-binary folks together in a community that had mostly orbited Lisbon before.In this episode00:00 Introduction: from federal investigator to Setúbal04:02 The 2018 trip that planted the seed06:48 Priced out of Lisbon09:31 Renting vs. buying in Portugal13:41 What Setúbal is really like17:46 Climate and the seasons24:00 Building queer community and founding Setúbal Pride29:31 LGBTQ+ acceptance and local culture33:53 Cost of living: rent and housing44:55 Utilities, internet, and getting around48:30 Food, markets, and the daily lunch special55:16 Walkability and transportation1:06:06 Healthcare: public, private, and Medicare1:25:39 Dining, wine, and café culture1:31:14 Visas and residency1:39:18 Honest trade-offs and final adviceWhat you'll learnWhy Setúbal, and not Lisbon? A medium-sized port city of roughly 140,000 people, Setúbal sits on an estuary with the Arrábida Nature Reserve rising behind it. Jules compares the feel to standing at the water's edge in Seattle, looking back at the hills. Downtown is flat and walkable, the covered market is considered one of the best in Portugal, and you are a short drive or train ride from Lisbon without paying Lisbon prices.What acceptance actually looks like. Portugal is legally progressive, with marriage equality and legal abortion that both predate the United States, but the culture is reserved and private. As Jules puts it, you can show up exactly as you are and be accepted, without anyone needing to label it or make a fuss. Older generations who lived under the dictatorship tend to be more guarded, while younger people simply do not think twice.The reality of building community. Finding the LGBTQ+ community as a single woman took real effort. Jules and a friend started the Setúbal Pride meetup in early 2024, hosting tea dances, potlucks, film nights, and gatherings designed to be diverse and welcoming. Her honest take: lesbians and gay men often socialize differently, and the language and cultural barriers add another layer, so she had to become the initiator rather than wait for community to find her.Walkability with caveats. Downtown is flat, and you can reach the butcher, the market, the pharmacy, and your doctor on foot, supported by a strong local bus system. But the cobblestone calçadas are uneven and tough on anyone with mobility challenges, so comfortable, flat walking shoes are not optional.Healthcare, honestly explained. Once you live in Portugal, you are covered under the public system, and many residents also carry private insurance. The two systems run in parallel and do not really talk to each other. Trauma and emergencies are routed through the public hospital, while private insurance speeds up elective procedures that would otherwise mean long public waitlists. Almost every physician speaks English, though front-desk staff and nurses often do not, so a translation app becomes part of every appointment.A practical snapshotThese are the figures Jules shared from her own experience around the time of recording. Treat them as a starting point, not a quote: costs shift with the market, and euro amounts convert to dollars at the current exchange rate.Rent (1 to 2 bedrooms): roughly 700 to 1,200 euros per month, rising toward 1,900 for newer units with modern amenities like a garage and air conditioning. Many traditional apartments come without appliances or a dryer (clothes dry on the line).Internet, phone, and TV bundle: around 50 euros per month for high-speed fiber.Electricity: can climb to about 200 euros in the hottest summer month if you run air conditioning heavily. Electricity and gasoline are both expensive; gas runs roughly 2 euros per liter, which Jules estimates at nearly 10 dollars per gallon.The daily lunch special (prato do dia): about 12 to 13 euros for several courses, often including bread, olives, a main, dessert, coffee, and wine.Private health insurance: roughly 100 euros per month under age 60, climbing to around 200 in your sixties. Only one private insurer in Portugal will enroll people over 70, though existing policyholders are generally kept on.Visas and residencyJules came on the D7 visa, sometimes called the retiree or passive-income visa. Her path: initial approval valid for 2 years, followed by a 3-year renewal, with the option to apply for permanent residency after 5 years of legal residence. She applied through the VFS vendor that handles Portuguese consular appointments in the U.S., interviewed in Washington, D.C., and saw approval in about 60 days, though timelines vary widely by consulate and can stretch to many months if documents expire mid-process.Important accuracy note on citizenship. Jules mentions that the path to Portuguese citizenship was extended from 5 to 10 years. We confirmed this: Portugal's Parliament approved a revised Nationality Law on April 1, 2026, and the President signed it on May 3, 2026, raising the residency requirement for naturalization to ten years for most non-EU nationals and seven years for EU and Portuguese-speaking (CPLP) nationals, with the residency clock now counting from the issuance of your first residence permit. Some details, including the exact effective date upon official publication and how the change applies to people already in the pipeline, were still being settled at the time of recording, and a constitutional challenge had been filed. This is a fast-moving and consequential area, so if citizenship is part of your plan, please confirm the current rules with a qualified Portuguese immigration attorney before making decisions. Permanent residency after five years is a separate process from citizenship.Jules on the honest trade-offThe hardest thing she gave up was the ease of finding community. Back home, queer life came with built-in hiking groups, dinner clubs, and shows to attend together. In Setúbal, she had to build that herself, and she has, becoming the bridge-builder her Portuguese choir mates now thank for getting everyone out the door. Her advice for anyone considering the move: visit beyond the vacation version, stay in a real neighborhood, do your own grocery run, and feel what daily life is honestly like before you commit. And, in the spirit of a friend who lives by it, say yes to every invitation.Listen and connectListen to the full conversation wherever you get your podcasts, and explore more LGBTQ+ retirement destinations at wheredogaysretire.com.Have a question about retiring abroad or a destination you'd like us to cover? Reach out through the website and join the conversation in our Facebook community. https://www.facebook.com/groups/GayRetirementPlaces"This was a wonderful, beautiful place to land. And I like sharing it with other people, because it's that good." — Jules de Mello

If you're thinking about renting a car and tooling around Italy without a care in the world, you should do so! And better than that, this episode will help you to do so! In it, we talk about what documents you'll need, the speed limits (which aren't often posted), the infamous ZTL, and how it is to drive in some cities. If you have any questions about your trip or if you have tips for fellow listeners, you can join our chat on ⁠⁠⁠⁠⁠⁠⁠⁠Patreon⁠⁠⁠⁠⁠⁠⁠⁠ for free or contact us on ⁠⁠⁠⁠⁠⁠⁠⁠onlyabag.com⁠⁠⁠⁠⁠⁠⁠⁠. Want to support the podcast? You can join our Patreon! Check out all of our tiers—free and paid—here: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠patreon.com/cw/theitalytravelpodcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠For articles written by us about Italy, check out our website ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠onlyabag.com ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠If you'd like to support us by using affiliate links, but don't have the time to hunt them down, we have put them all in one place! Head over to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.onlyabag.com/affiliate-links⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and you can see all of the companies we have partnerships with and you can use them to support Only A Bag (which we deeply appreciate). Thanks for listening! xDarcy and Nathaniel

#FreeFunFriday Out of Context Contest + Redneck Movie Review: Super Troopers 3, What you're willing to lose for Big Money, What do you still have from your childhood that you won't give up, Renting someone else pool, Jungle Erin from the Lincoln's Childrens Zoo & More!

I love a good rental business: buy something once and get paid for it over and over again. It's a cool model, and this week's guest found a creative approach to it in the mobility scooter niche. Lenny Tim from LAMobilityScooterRentals.com is a serial side hustler and entrepreneur involved in the e-commerce and YouTube space. He built his scooter rental to $3k a month in his spare time. Tune in to the Side Hustle Show interview to hear how: Lenny discovered his niche found his first customers expanded his fleet and operations Full Show Notes: $3k a Month Renting Out Mobility Scooters Part-Time New to the Show? Get your personalized money-making playlist ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠! Sponsors: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Quo (formerly OpenPhone)⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ — Get 20% off of your first 6 months! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Shopify⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ — Sign up for a $1 per month trial! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Gusto⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ — Get 3 months free of the leading payroll, benefits, and HR provider for modern small businesses! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Indeed⁠ – Start hiring NOW with a $75 sponsored job credit to upgrade your job post! ⁠Monarch⁠⁠⁠⁠⁠⁠⁠ — Get an extended 30-day free trial! About The Side Hustle Show This is the entrepreneurship podcast you can actually apply! The award-winning small business show covers the best side hustles and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠side hustle ideas⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. We share how to start a business and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠make money online⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and offline, including online business, side gigs, freelancing, marketing, sales funnels, investing, and much more. Join 100,000+ listeners and get legit business ideas and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠passive income⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ strategies straight to your earbuds. No BS, just actionable tips on how to start and grow your side hustle. Hosted by Nick Loper of ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Side Hustle Nation⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

His mom was a queenpin. His dad was the muscle. By 16, he was selling meth and building his own operation in small-town Texas. In this episode, Cory Simek, a former teenage meth dealer reveals what it was like growing up inside the drug game—and how his family's criminal lifestyle shaped the path he followed. After starting with marijuana, he quickly moved into meth, made serious money before he was old enough to sign a lease, and became the target of a six-month police investigation. He breaks down how confidential informants gained his trust, the warning signs he ignored, the raid that brought everything crashing down, and the brutal reality of racial politics and survival inside the Texas prison system. But his story did not end behind bars. After serving years in prison and losing nearly everything, he transformed his mentality, entered the car business with no experience, became a top salesman, opened his own dealership, invested in real estate, and rebuilt his life through legitimate business. This is a raw story about growing up in a criminal family, selling meth at 16, undercover informants, police raids, addiction, betrayal, Texas prison, redemption, entrepreneurship, and second chances. Go Support Cory! IG: https://www.instagram.com/corywiththekeys Dealership: https://thekeykonnect.com/ YouTube: @Corywthekeys This Episode Is #Sponsored By The Following: Hims! To get simple, online access to personalized, affordable care for ED, Hair Loss, and more visit https://hims.com/connect Quo! Money is on the line. Always say hello with QUO. Try QUO for free PLUS get 20% off your first 6 months when you go to https://quo.com/theconnect Join The Patreon For Bonus Content! https://www.patreon.com/theconnectshow 00:00 Intro: Raised by a Queenpin and an Enforcer 01:55 Cory With the Keys Joins the Show 02:19 His Parents' Wild Origin Story 04:56 Childhood Changes After His Mom Relapses 06:59 Learning the Drug Game at 12 07:26 Smoking Weed for the First Time 08:47 Becoming a 13-Year-Old Dealer 10:08 The Lunch-Money Lesson That Changed Him 11:19 Trying to Live Up to Both Parents' Reputations 11:52 Getting Kicked Out at 16 12:11 Moving From Weed to Meth 13:15 This Episode Is Sponsored By Hims 14:51 Selling Meth as a Teenager 16:27 Renting a Trap House Underage 17:14 Hustling While Still in High School 18:37 Getting Expelled Before Graduation 20:35 The Suspicious Customer Who Became an Informant 23:36 A Warning Before the Raid 24:30 Police Search the Trap House 26:13 Discovering the Informant's Role 28:39 This Episode Is Sponsored By Quo 29:50 Another Informant Story After Prison 35:12 Swallowing an Eightball During a Police Stop 37:28 Realizing He Was Set Up 41:49 Back to the First Bust 44:08 Taking State Jail Instead of Probation 46:04 Surviving State Jail at 17 47:07 Learning Texas Prison Politics 50:32 Getting Out and Returning to the Streets 51:16 Weed Connects From the Valley 53:12 How Border Checkpoints Changed the Price 55:20 Shipping Bricks Through UPS 58:03 Moving Pounds and Making Teen Money 1:00:24 His Father's Return to the Meth Game 1:02:35 His Dad Refuses to Snitch and Gets 25 Years 1:04:18 Falling in Love After State Jail 1:06:14 Learning He Might Become a Father 1:07:09 TDC Boot Camp and the Drug-Free Zone 1:10:15 Finding Out His Mom Died 1:11:52 Trying to Go Straight for His Son 1:13:14 The DNA Test That Broke Him 1:15:50 Heartbreak Sends Him Back to Hustling 1:16:41 SWAT Raids the Trap House 1:18:40 Running Into One of His Dad's Snitches 1:21:27 Probation, Suspended License, and Disaster 1:22:23 Sentenced to Six Years in TDC 1:24:01 Learning He Must Serve Five Flat 1:28:10 Losing Everything in Prison 1:30:08 Rock Bottom Becomes the Turning Point 1:31:14 Deciding to Make Prison Time Serve Him 1:32:11 Fighting and Surviving Real Prison 1:35:22 Finding Better Ways to Do Time 1:36:52 Finally Making Parole 1:38:28 Getting Out and Starting Over 1:39:09 Discovering Car Sales 1:40:27 Talking His Way Into a Dealership Job 1:41:41 Becoming the Top Salesman 1:42:56 Battling Old Habits After Success 1:47:22 Opening His Own Dealership 1:48:19 Real Estate, Music, and Reinvention 1:49:56 Speaking in Prisons and Mentoring Kids 1:52:12 Johnny and Cory Discuss Their Turning Points 1:54:27 Why Accountability Keeps Him Straight 1:56:30 Finding Your Skill Set and Passion 1:57:09 Where to Find Cory With the Keys Learn more about your ad choices. Visit podcastchoices.com/adchoices

Unpack why owning your audience through a community hub beats relying on unpredictable social media algorithms. Learn how AI-powered platforms, the Mission 1000 strategy, and hub-centric business models create sustainable, long-term growth. Cashwell Forever City: Chatham Address: 225 Campus Parkway Website: https://cashwellforever.com/ Phone: +1 800 680 8973 Email: contact@cashwellforever.com

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HP has come out with a printer subscription service! And Paulina took a remedy to help her use the restroom!See omnystudio.com/listener for privacy information.

On episode 234 of Ask The Compound, Ben Carlson, Duncan Hill, and Jack Raines tackle your investing and financial planning questions, including the financial advice they'd give their younger selves, whether buying a home still makes sense in today's market, how young people should prepare for an AI-driven future, the risks of investing with margin, and whether it's possible to retire early by living an ultra-frugal lifestyle. They discuss: - The financial lessons they'd share with their younger selves - Renting vs. buying in a high-cost housing market - How students and young professionals should navigate the AI revolution - Why leverage and margin investing can be more dangerous than they appear - Whether living off the grid and letting investments compound is a viable path to financial independence Compound Merch: ⁠⁠⁠https://idontshop.com/⁠⁠⁠ Submit your Ask The Compound questions to ⁠⁠⁠askthecompoundshow@gmail.com⁠⁠⁠! Subscribe to The Compound Newsletter for all the latest Compound content, live event announcements, find out who the next TCAF guest is, get updates on the latest merch drops, and more! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.thecompoundnews.com/subscribe⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Planning to rent a car in Iceland? Learn how Iceland’s new road tax works, why it was introduced, how it affects tourists, and how you can save money on your rental. I’ll also explain why not all rental car companies charge the fee the same way and share my recommendations after living in Iceland for the past 10 years. One of the biggest reasons I recommend renting a car in Iceland is the freedom it gives you. Some of my favorite memories have come from pulling over at an unexpected waterfall, taking a detour because someone mentioned a hidden canyon, or completely changing my plans after seeing that the weather was better in another part of the country. Those spontaneous moments are often the highlights of an Iceland trip. That’s why, when Iceland introduced a new road fee at the beginning of 2026, I immediately started getting questions from members of the All Things Iceland community. People wanted to know: What exactly is Iceland’s new road tax? Why did Iceland introduce the road tax fee? Does it apply to tourists? How much will it cost? Should I still rent a car? How to budget for Iceland’s new road tax fee How can you save on a rental car in Iceland? If you’ve been wondering the same thing, you’re definitely not alone. In this guide, I’ll explain everything you need to know about Iceland’s new road fee, including why it was introduced, how it works, how it affects tourists renting cars and camper vans, how different rental companies handle the fee, and some practical ways to save money while planning your Iceland road trip. https://youtu.be/oqXebmLiA38 What Is Iceland’s New Road Tax? Although you’ll often hear people, including me, refer to it as Iceland’s new road tax, the official name is the kilometer fee, or kílómetragjald in Icelandic. The fee officially came into effect on January 1, 2026, and it’s designed to help fund Iceland’s road infrastructure in a different way than before. Under the standard government system, most passenger vehicles are charged 6.95 ISK per kilometer driven, although rates vary depending on the vehicle’s weight and classification. Unlike a toll road where you stop to pay at a booth, this fee is based on the total number of kilometers a vehicle travels. For Icelandic residents who own a vehicle, the fee is reported and paid according to government regulations. For visitors, however, the process is much simpler because your rental company handles it for you. That means you don’t have to register with the Icelandic government or report your mileage yourself. Instead, the rental company collects the fee as part of your rental agreement before paying it to the government. This is where many travelers become confused because not every rental company chooses to pass that fee on in the same way. I’ll cover that in detail a little later because understanding this difference can make budgeting your trip much easier. Experience Tip: One thing I’ve noticed after helping thousands of travelers plan trips to Iceland is that most people assume every rental company calculates this fee exactly the same way. That’s actually not the case, and knowing the difference before you book can save you both money and uncertainty when you’re planning your budget. Why Did Iceland Introduce the Kilometer Fee? Moving Away from Fuel Taxes At first glance, it’s easy to assume that Iceland simply added another fee for travelers. But the reality is a bit more nuanced. For many years, Iceland paid for a significant portion of its road maintenance through taxes on gasoline and diesel fuel. The idea was simple: the more you drove, the more fuel you purchased, and the more you contributed toward maintaining the country’s roads. That system worked well when nearly every vehicle relied on fossil fuels. However, Iceland has seen a rapid increase in hybrid and fully electric vehicles over the past several years. Those vehicles still use the roads every day, but they purchase much less, or no, gasoline or diesel. As a result, the government was collecting less revenue from fuel taxes while road maintenance costs continued to grow. The kilometer fee was introduced to create a funding system that applies more consistently across different types of vehicles, regardless of how they’re powered. As with any major policy change, it has generated plenty of discussion within Iceland. Some residents feel the reduction in fuel taxes doesn’t fully offset the new kilometer fee, while others see it as a fairer way to fund the country’s road network. For travelers, though, the most important takeaway is understanding how the fee works and how your rental company chooses to collect it, because that’s what will ultimately affect your budget. Does the Kilometer Fee Apply to Tourists? Yes. Whether you’re visiting Iceland for a long Ring Road adventure, spending a week exploring the South Coast, or taking a short getaway around Reykjavík and the Golden Circle, this new fee applies to rental vehicles. If you’re someone who loves taking scenic detours (and trust me, Iceland will tempt you to do exactly that), knowing how your rental company charges this fee can give you much more peace of mind. How Rental Car Companies Charge Iceland’s New Road Fee Some Companies Charge by the Kilometer This is probably the pricing model most travelers expect. Some rental companies simply pass the government’s kilometer fee directly on to you. When you pick up your vehicle, the current odometer reading is recorded. When you return it, the rental company calculates how many kilometers you’ve driven and charges the corresponding road fee. The benefit of this approach is that you’re paying for exactly the distance you traveled. If you only plan to drive around Reykjavík for a couple of days, this could result in a relatively small road-fee charge. The downside is that your final cost isn’t always easy to predict. If your plans change, which they often do in Iceland, you may end up driving much farther than you originally expected. Suddenly, that carefully planned travel budget starts to look a little different. Other Companies Charge a Flat Daily Road Fee Some rental companies have chosen a different approach.vRather than charging based on every kilometer driven, they charge a fixed road fee for each rental day. For example, Go Car Rental Iceland and Go Campers currently charge a mandatory road fee of €10.50 per rental day, regardless of your insurance coverage or how many kilometers you drive during your rental. Personally, I really appreciate this pricing model. One of the first things I tell people planning an Iceland trip is to leave room for spontaneity. Maybe you hear about a hidden hot spring from another traveler. Maybe someone recommends an incredible canyon that wasn’t on your itinerary. Maybe the weather forecast changes overnight, and you decide to spend the day exploring a completely different region. Those things happen all the time here. With a flat daily fee, you’re free to make those decisions without wondering whether every extra kilometer is increasing your final bill. Instead, you already know what the road-fee portion of your rental will cost before your trip even begins. For me, that kind of predictability is worth a lot. Experience Tip: I’ve changed my itinerary countless times because of Iceland’s weather. It’s one of the best travel decisions you can make here. Having a predictable daily road fee means I can focus on enjoying the adventure instead of mentally calculating extra costs every time I decide to drive somewhere new. The Ultimate Guide to Renting a Car in Iceland If you’re still deciding which rental car is right for your trip, I’ve created a free Ultimate Guide to Renting a Car in Iceland that goes far beyond the new kilometer fee. Inside, I cover how to choose between a 2WD and a 4×4, Iceland-specific insurance recommendations, gravel roads versus F-roads, parking rules, winter driving tips, common mistakes to avoid, and much more. I recently updated it to include Iceland’s new kilometer fee, so you’ll have the latest information all in one place. Click Here Is Renting a Car Is Still One of the Best Ways to Explore Iceland? Absolutely. Even with this additional cost, I still believe renting a car is the best way to experience Iceland for most visitors. One of the things I love most about living here is that Iceland constantly rewards curiosity. Some of the country’s most memorable places aren’t found on a typical itinerary. They’re discovered because you decided to stop at an overlook, follow a sign pointing toward a waterfall, or take a scenic detour after chatting with another traveler. Having your own vehicle gives you that freedom. You’re not rushing to catch a tour bus, worrying about train schedules, or feeling like you have to leave somewhere just because everyone else is. Instead, you can experience Iceland at your own pace. That’s something I think is incredibly valuable. Of course, the new kilometer fee does add another expense to your trip. But in the grand scheme of an Iceland vacation, I don’t think it’s a reason to avoid renting a car altogether. Instead, it’s simply another cost to understand and plan for before you arrive. Experience Tip: Some of my favorite days in Iceland have been the ones where I threw my original itinerary out the window because the weather was better somewhere else. That kind of flexibility is difficult to put a price on, and it’s one of the biggest reasons I continue recommending rental cars over guided tours for many travelers. Budgeting for the Iceland’s New Road Tax No matter which pricing model your rental company uses, my advice is simple: Plan for the road fee before you arrive. Just like budgeting for fuel, parking, or accommodation, this is now another normal part of planning an Iceland road trip. The good news is that once you’ve factored it into your budget, there really aren’t any surprises. In fact, I think the bigger financial mistakes people make when renting a car in Iceland have nothing to do with the road fee at all. Choosing the wrong type of vehicle. Skipping important insurance coverage. Driving roads that aren’t suitable for their rental. Or underestimating Iceland’s weather. Those are the kinds of mistakes that can cost hundreds, or even thousands, of dollars. Compared to those, understanding the road fee is actually one of the easier parts of planning your trip. Below is a way that you can save money on your rental car in Iceland. How to Save Money on a Rental Car in Iceland (Even With the New Road Fee) If you’re already planning to rent a car or camper van, there’s no reason not to take advantage of available discounts. I’ve partnered with Go Car Rental Iceland and Go Campers because I’ve personally used both companies for years, and they’ve consistently provided excellent customer service and reliable vehicles for my adventures around Iceland. When you book through my discount links, you’ll receive: Go Car Rental Iceland 7% off your rental Free 4G WiFi (simply select it under the Extras section when booking) Go Campers 7% off your camper van rental Free sleeping bag (select it in the Extras section) The discounts are automatically applied when you book through my links and enter your rental dates, making them an easy way to offset part of Iceland’s new road fee while supporting All Things Iceland at no additional cost to you. Continue Planning Your Iceland Road Trip Understanding the new road fee is just one piece of the puzzle. If you’re still deciding whether you need a 2WD or a 4×4, wondering which insurance is actually worth purchasing, or trying to understand Iceland’s gravel roads, F-roads, parking rules, and seasonal driving conditions, I’ve put everything together in my Ultimate Guide to Renting a Car in Iceland. It’s completely free, regularly updated, and designed to help you avoid the most common mistakes travelers make before they even arrive in Iceland. Frequently Asked Questions About Iceland’s New Road Tax Fee Can tourists avoid Iceland’s road fee? No. If you’re renting a car or camper van in Iceland, the road fee is part of the cost of driving. The way it’s charged depends on your rental company, but it isn’t something visitors can opt out of. Is it still worth renting a car in Iceland? Absolutely. Even with the introduction of the road fee, I still believe renting a car offers the greatest flexibility and allows you to experience parts of Iceland that many tour groups never visit. Why do some rental companies charge a flat daily fee? Some companies have chosen to simplify the government’s kilometer fee by charging a predictable daily amount instead. For example, Go Car Rental and Go Campers currently charge a mandatory road fee of €10.50 per rental day, regardless of how many kilometers you drive. Is a flat daily fee better than paying per kilometer? It depends on your travel style. If you’re planning very little driving, paying per kilometer could potentially cost less. However, if you’re planning a Ring Road trip or simply want the freedom to take spontaneous detours without thinking about every kilometer, many travelers, including me, appreciate the predictability of a fixed daily fee. Random Fact About Iceland Did you know that Iceland’s famous Ring Road (Route 1) stretches approximately 1,322 kilometers (821 miles) around the entire island? While many visitors dream of driving the complete Ring Road, some of the country’s most unforgettable experiences come from venturing beyond it. Scenic detours to places like the Snæfellsnes Peninsula, the Westfjords, the Westman Islands, or even into the remote Highlands often become the highlights of a trip. Snæfellsnes Peninsula Westfjords Westman Islands Highlands of Iceland That’s one of the reasons I think it’s so important to understand how your rental company charges Iceland’s new road fee. If your itinerary changes—and trust me, it often does because of weather or unexpected discoveries—you’ll already know what to expect when it comes to your driving costs. Icelandic Word of the Day One of my favorite parts of the All Things Iceland podcast is sharing an Icelandic word or phrase at the end of each episode. Today’s word is: Kílómetragjald Pronunciation: KEE-loh-meh-trah-gyald The word is made up of two smaller Icelandic words: Kílómetri = kilometer Gjald = fee or charge Put them together, and kílómetragjald literally means “kilometer fee.” This is the official Icelandic term used to describe the country’s new distance-based road charge that came into effect in 2026. So, if you happen to see news articles, government information, or conversations in Icelandic about the new road fee, you’ll likely come across the word kílómetragjald. It’s a fun word to know—not just because it relates to this topic, but because it also gives you a little insight into how Icelandic words are often built by combining smaller words to create a very literal meaning. Planning to rent a car in Iceland?  Before you book, grab my free Ultimate Guide to Renting a Car in Iceland. It includes everything you need to know about Iceland’s new kilometer fee, choosing the right rental car, insurance, F-roads, parking, winter driving, and more. And if you’re ready to book your rental, don’t forget to use my 7% discount links for Go Car Rental Iceland (plus free 4G WiFi) or Go Campers (plus a free sleeping bag) to save money on your trip.

Is it better to own a home or keep renting? And what does it really take to dominate in today's real estate market? In this episode of The Cooney's Show, I sit down with Anthony Lamacchia, one of the most successful real estate brokers and entrepreneurs in the country. Anthony has built one of the fastest-growing real estate companies in America, helping thousands of families buy and sell homes while scaling an incredible business. We dive into:

Do you open your closet every morning and feel like you have nothing to wear? You are not alone, and it is not your fault. Most of us were never taught the basics.Bridget Blacksten is a Los Angeles based advertising, editorial, celebrity, and personal stylist with seven years of high-end styling experience. She is the founder of Studio Bee, and she has worked on photo shoots, press events, commercials, and advertising campaigns for major brands. In this episode, she brings all of that expertise down to earth and breaks it down for the rest of us.We talk about the wardrobe essentials every woman and man should own, what stores actually deliver quality without breaking the bank, how to read clothing labels to know if something is worth buying, and what the biggest fashion don'ts are for both men and women.This one is fun, practical, and packed with tips you can use the next time you open your closet.00:00 Opening: The wardrobe basics every woman should own 01:00 Welcome Bridget Blacksten and her background in fashion 02:00 From musical theater and retail to Rent the Runway in New York 03:00 Seven years of high-end styling: photo shoots, commercials, and campaigns 04:00 How to stay grounded in a fast-paced glamorous industry 05:00 Style tips for everyday women on a real budget 06:00 Building your wardrobe from a foundation of basics07:00 The truth about department store mirrors and why they lie 08:00 Why taking a photo or video is better than trusting the mirror 09:00 Fast fashion versus quality: what to look for and what to avoid 10:00 Abercrombie and Fitch, Levi's, and the denim conversation 11:00 Why you should wash your jeans as little as possible 12:00 Banana Republic, Gap, and Old Navy: the underrated wardrobe trifecta 13:00 Sizing is not your fault: why you can be four different sizes at once 14:00 Necklines explained: V-neck, scoop neck, mock neck, and more 15:00 How to dress a bustier figure and feel supported and stylish 16:00 Pinterest and Google as your free personal style education 17:00 Learning fashion vocabulary so you can actually search what you want 18:00 The wardrobe essentials every woman needs 19:00 Blazers, suits, white button downs, and the little black dress 20:00 How accessories make or break an outfit 21:00 The one focal point rule for jewelry and accessories 22:00 Shoes: sneakers, heels, flats, and playing with materials 23:00 Men's wardrobe essentials: trousers, loafers, jackets, and more 24:00 Why a great jacket is worth the investment 25:00 Fashion don'ts for men: skinny jeans have to go 26:00 Fashion don'ts for women: prints, colors, and keeping it simple 27:00 How to read clothing labels and why 100% cotton matters 28:00 Sustainable fashion and what it actually costs 29:00 What working with Bridget looks like and every budget is welcome 30:00 Seasonal styling, closet refreshes, and making money from what you sell 31:00 Renting for events so you never have to own a gown you will wear once 32:00 How to book a free consultation with BridgetBook a free consultation: https://calendly.com/bridgetblacksten/30-minute-consultation-session-facetimeWebsite: https://www.bridget-blacksten.comInstagram: @bridgetblackstenTikTok: @babebythebeachFor more information about Dali or DaliTalksvisit us at https://www.DaliTalks.com/linktreeFollow me on Instagram @DaliTalkshttps://www.instagram.com/dalitalksFollow me on Facebook @DaliTalkshttps://www.facebook.com/dalitalkFollow me on LinkedIn:https://www.linkedin.com/in/dalitalks/Please like, share, subscribe to this channel, and comment below. THANK YOU FOR YOUR SUPPORT!

As the rental crisis has become a massive issue across the country, companies are losing staff due to the lack of affordable housing…To tackle this, Eirebus, operator of the Swords Express in Dublin, has applied to Fingal County Council seeking to temporarily retain 19 modular accommodation units and six mobile home units at its Corduff Road depot in Dublin 15 for three years.Is this the best incentive for companies to keep staff, or should more be done to tackle the renting crisis?Joining Andrea to discuss is businessman and owner of Supermac's, Pat McDonagh, Hugh Morries from Alliance Auctioneers and Valuers, HR Expert at NFP HR Solutions, Caroline Reidy and listeners.

The boat rental market is bigger than most people realize, and it's growing fast. In this episode, Andrew shares a personal story about his dad, boats, and why he's spent the last few months considering buying one, before walking through the data that changed his mind about ownership altogether. Andrew breaks down the numbers behind the boat sharing economy: a market valued between nineteen and twenty three billion dollars US, growing five to seven percent a year, with electric propulsion emerging as the fastest growing segment in boat rentals. Peer to peer platforms like Getmyboat, Boatsetter, Click and Boat, and Samboat are expanding access based boating, and membership and club models are outpacing traditional ownership. He also digs into why electric motors are becoming the preferred choice for rental fleet operators, from lower maintenance to fewer moving parts to a quieter, more pleasant experience on the water. This episode sets up Friday's interview with Alexandra Manjon, who runs an electric boat sales business, for a deeper conversation on electric motors and where the industry is headed. Takeaways: The global boat rental market is valued at roughly nineteen to twenty-three billion dollars US and growing five to seven percent annually Electric boats are the fastest-growing power source segment in boat rentals, projected at a compound annual growth rate near seventeen to eighteen percent through 2031 Peer-to-peer platforms like Getmyboat, Boatsetter, Click and Boat, and Samboat are expanding access-based boating over ownership Electric propulsion means lower maintenance and fewer moving parts, making it attractive for rental fleet operators Renting lets you try a boat, including an electric one, without the upfront cost or ongoing maintenance burden of ownership Support Independent Podcasts: https://www.speakupforblue.com/patreon Need help with your ocean non-profit, company, or project? Get the help you need with Pisces Oceans Inc.: https://www.piscesoceans.ca Connect with Speak Up For Blue Website: https://bit.ly/3fOF3Wf Instagram: https://bit.ly/3rIaJSG TikTok: https://www.tiktok.com/@speakupforblue Twitter: https://bit.ly/3rHZxpc YouTube: www.speakupforblue.com/youtube  

Renting a car in Ireland after age 75 is absolutely possible, but not every rental company follows the same policies. Knowing what documentation you may need before you arrive can save time, stress, and unexpected surprises at the rental counter. See the video episode & more information at IrelandFamilyVacations.com/drive75 In this episode, I explain where to find senior driver policies on rental company websites, compare companies with no additional requirements to those that ask for insurance or medical documentation, and share practical tips to help you choose the right rental company for your Ireland vacation. Ireland Travel Resources: - Car Rental & Driving Guide: https://irelandfamilyvacations.com/drive - DIY Ireland Travel Planner: https://irelandfamilyvacations.com/compass - Expert Ireland travel advice by email: https://ifv.kit.com/51952569c5

In this episode of UC Today, host Kristian McCann sits down with Ivan Jackson, President of Interim Technology at Korn Ferry, to explore why traditional hiring models are struggling to keep pace with today's rapidly evolving technology landscape and why the concept of "renting tech talent" is gaining traction.  The technology talent market is changing rapidly, and organizations that rely solely on traditional hiring may struggle to keep pace. In this conversation, Jackson explains why more businesses are turning to flexible technology talent models to accelerate transformation and gain access to hard-to-find expertise. Key discussion points include: • Why the accelerating pace of AI, cybersecurity, cloud, and data initiatives is shortening the lifespan of technical skills. • How interim technology professionals help organizations execute projects faster than traditional hiring processes allow. • The difference between hiring contractors for additional capacity and engaging interim leaders to drive business outcomes. • When businesses should leverage flexible talent, and where permanent teams remain essential for long-term success. Whether you're navigating digital transformation, workforce planning, AI adoption, or technology leadership challenges, this discussion provides practical insights into building a workforce model designed for today's business environment. Next Steps ✓ Subscribe to UC Today for more conversations with industry leaders.

Most people see cars as liabilities. Kel King found a way to turn them into cash-flowing assets.During the pandemic, Kel rented out a Nissan Sentra and collected $3,000 from one long-term renter. That transaction showed him that people will always need two things: somewhere to live and a car to drive.Today, the entrepreneur known as the Rental Car King operates more than 50 vehicles and generates approximately $100,000 per month by renting cars to Uber, Lyft, DoorDash, and other gig-economy drivers.In this episode of Inside the Vault with Ash Cash, Kel explains why long-term gig drivers can be more profitable than vacation renters, how beginners can potentially recover their investment in approximately 90 days, and why affordable cash cars often outperform financed luxury vehicles.He also breaks down how to find renters through Facebook Marketplace, build a fleet using joint ventures, screen drivers, protect your vehicles, automate collections, and manage dozens of cars while traveling the world.You'll learn:• How Kel scaled from one car to more than 50 • Why he rents to gig workers instead of tourists • How a $3K–$5K car can generate weekly cash flow • The 90-day rule for recovering your investment • How to start with no money using joint ventures • Which cars perform best in a rental fleet • Why financing new cars can reduce your profits • How insurance, contracts, and background checks work • How virtual assistants help manage his fleet • Why he believes rental cars outperform real estate • How trackers and kill switches protect the business

CONTACT: sponsors@lilyandbaeent@gmail.comThis week on The Cruda Realidad, we're talking about the things that are actually worth spending your money on, sharing some unpopular opinions that might start an argument, and breaking down the zodiac signs that always think they're right.

There's no standard food trailer rental rate, and pricing one before you handle insurance, repairs, and a real lease is how owners lose months of income in a single season.Real-world food truck training in about 10 minutes. Profit, pricing, food cost, speed of service, marketing, events, and smart systems—no hype, just what works.Enjoyed this episode? Please do two things for me. First hit "Follow" on Spotify so you never miss a new one.Second go to https://www.nsfva.org/join and become a member today!

Send us Fan MailIf you've ever stared at a lease wondering whether you need a lease addendum vs new lease entirely, this episode is for you. Kevin and I get asked this question often, and honestly, guessing wrong can leave your paperwork not holding up when you need it most.I'm walking you through the exact test we use to decide whether a quick addendum will do, or whether it's time to start completely over with a new lease. And once you hear what our contractor found in a supposedly empty closet during a routine inspection, you'll understand exactly why this distinction matters so much.We also get into a couple of our own near misses, including the time strangers tried to rent one of our units with zero intention of ever actually living there. Plus, I'm sharing exactly where Kevin and I get our own leases and addendums from, along with an honest, unsponsored rundown of the landlord software platforms people ask us about most.Hit play, because by the end of this episode, you'll never have to guess which document you need again.What You'll Learn in This Episode•  The simple test we use to decide between an addendum and a brand new lease•  Why one routine inspection turned into a lease decision we did not see coming•  The near miss that almost turned one of our own units into a full time Airbnb•  Where we personally get our leases and addendums from, and what it actually costs• An honest, unsponsored breakdown of the landlord software platforms people ask about mostEpisodes & Resources MentionedEpisode 32-34: Our Lease and Addendums Masterclass (starts at EP32) — Episode 115: Our New Utility Fee Breakdown Episode 129: Should You Allow Smoking in Your RentalEpisode 130: Guest Policies — What They Are, Why They Matter, and How to Actually Enforce ThemEpisode 22: The Pros and Cons of Renting to Pet Owners Episode 61: Fair Housing and Emotional Support Animals (ESAs) Episode 108: Navigating Reasonable Accommodation Requests Innago: Completely FREE landlord management softwareTurboTenant: Great landlord management software for newer landlordsRentRedi: Management Software that syncs with QuickBooks's Online DoorLoop: The best landlord management software for larger portfoliosEZLandlordForms State specific leases and addendums, over 400 forms available!California Apartment Association Where we get our landlord forms Connect with Us: 

Eternal Vitality gut-health testing ends decades of digestive pain and irregularity Anxiety, food allergies, and gut inflammation may be closely connected Dr. Powers builds personalized treatment plans from blood and allergy testing Hormone issues can block weight loss despite regular exercise Hormone replacement, microdosed GLP-1s, low testosterone, and TRT Free, judgment-free consultations with Dr. Powers Ross McCoy joins the Thursday-recorded Friday Free Show Celebrating massive bowel movements after fixing lifelong gut issues Cake's "Italian Leather Sofa" Vacation exhaustion, Colorado travel, and the North Georgia mountains A contaminated water dispenser and a faucet's dangling clear booger Anxiety triggered by every sigh, noise, and reaction from friends Friends who remove embarrassment from gross accidents Florida's dog days and the rush for one final summer memory Maisie watches "MasterChef," plans outfits, and puts Dad to bed Boys refuse to prepare for an eight-day Colorado trip Recognizing your worst traits in your children Max gets "Hamilton" tickets and practices Lafayette's fastest rap Lafayette, LaGrange, and France's role in American independence Ruining excitement by noting "Hamilton" lacks its original cast Attempting Busta Rhymes' fast verse from "Look at Me Now" The inherited accidental-dickhead trait and need to be right Ruining Santa magic with unnecessary observations Brothers show love by relentlessly trolling each other Late-night kickball, pool baseball, and raising double Batmans Max melts down during a 16-3 birthday kickball loss White Claws, edibles, and exhaustion destroy adult kickball effort Solicitors, panhandlers, charity drives, and the power of a firm no Ignoring a Wawa solicitor before learning he recruited blood donors Dodging Girl Scouts, Publix donations, and grocery-store fundraisers Refusing escalating requests from a stranger at Hard Rock Tesla launches robotaxi service in Tampa and Orlando Tesla and Waymo battle for autonomous taxi dominance Personal robotaxis could turn parked cars into small businesses A Tom and Dan robotaxi could earn money while promoting the show Corporate lobbying may prevent owners from operating robotaxis Renting cars, yards, land, parking, and other idle property Turo, Zipcar, and life without personal vehicle ownership Autonomous-vehicle sensors, microwaves, and reheated pizza Russian Circles, Mastodon, and more metal for the show Streamline Mortgage Solutions watches for refinancing savings Jimothy the deformed raccoon becomes an overnight obsession Viral animal trends create merch, AI videos, and rapid burnout Clinton the tiny Jack Russell had Jimothy's spinal condition Cute and disabled dogs make powerful dating accessories Dog wheelchairs, mobility platforms, and skateboard travel in movies Orlando's homeless population increasingly uses e-bikes "Days of Thunder 2" brings Tom Cruise back as Cole Trickle Cole could mentor a young driver in a "Top Gun: Maverick" formula The Mello Yello car returns from a barn for one final race Old-school Cole battles simulators, AI, and modern NASCAR culture An autonomous race car could become the sequel's villain Tom Cruise and Jerry Bruckheimer produce with filming eyed for 2027 Nicole Kidman, Cary Elwes, and John C. Reilly remain unconfirmed Daytona, DeLand, local filming stories, and Tom Cruise's apple crate Honoring Robert Duvall's crew chief in the sequel Banana Ball-style NASCAR with costumes, dancing, and ordinary cars "Top Gun: Maverick" proves predictable stories can still work AI aircraft, data centers, and technology as future movie villains Brad Pitt's alleged plane abuse and estrangement from his children Brooklyn Beckham and Vivian Wilson reject famous family names Rich parents should listen to their children and lead with love "I'm Eight Brad Pitts" as a possible show title Tom Cruise's World Cup appearance draws pointless online outrage Katie Holmes' secret plan to divorce and escape Tom Cruise Scientology, hidden phones, attorneys, and an 11-day divorce settlement Tom Cruise reportedly has little relationship with Suri Fame, nonstop work, and the family cost of extreme success Mr. Rogers, NFL coaches, and absent fathers devoted to their careers Plans to discuss saving AM radio and listener voicemails HittinSkins offers promotional products near Camping World Stadium ### Website: https://tomanddan.com/ App: https://tomanddan.com/app Become a BDM: https://tomanddan.com/registration Merch: https://tomanddan.myshopify.com/ YouTube: https://www.youtube.com/@TomandDanLive Twitch: https://www.twitch.tv/tomanddanlive Facebook: https://www.facebook.com/AMediocreTime Instagram: https://www.instagram.com/tomanddanlive/ X: https://x.com/TomAndDanLive TikTok: https://tiktok.com/@tomanddanshow Reddit: https://reddit.com/r/tomanddan ACT RSS: https://feeds.libsyn.com/61976/rss AMT RSS: https://feeds.libsyn.com/18904/rss

In the eighth week of our Summer at Bethlehem series, we revisit one of the most familiar stories in Scripture: the encounter between Jesus and Zacchaeus in Luke 19:1-10. Familiarity often breeds passivity; because we grew up singing the childhood song about the "wee little man," we frequently overlook the radical, scandalous grace displayed in this scene.   Most of us live our lives as if we are constantly auditioning for God's attention, wondering, "Am I good enough? Am I loveable? Am I worthy?" This message dismantles the myth that we must clean up our lives before Jesus will enter them. Whether you are hiding behind a resume of success or drowning in a reputation of past mistakes, the gospel declares that Jesus sees you, knows your name, and desires to move from being a guest in your life to being the Lord of your house.  

What happens to your emergency fund once you've actually built some wealth? Following straight on from their emergency funds 101 episode, Tash and Ana tackle the advanced version: offsets, debt recycling, business structures, and whether you even need a cash buffer once your portfolio could catch you. If part one was about building the safety net, this one is about rethinking it once the net is bigger than the fall. (New to emergency funds? Go listen to part one first.)In this episode we'll discuss:

This episode of Mitten Money explores one of the biggest financial decisions many people face: renting versus buying a home. Will and Kevin discuss the hidden costs of homeownership, including maintenance, repairs, property taxes, insurance, closing costs, and the time commitment that comes with owning a home.They also explain why buying isn't always the best financial move, especially if you expect to move within a few years or aren't prepared for unexpected expenses. The conversation emphasizes that there is no one-size-fits-all answer and encourages listeners to weigh both the financial and lifestyle factors before making a decision. Comments made are not to be considered endorsements of Tri-Star Trust or its employees. All viewpoints expressed herein belong solely to the commentators, whether or not they are employees or clients, and remain uninfluenced and uncompensated by Tri-Star Trust or any of its affiliates.

One in three pensioners will be renting in retirement. It might not sound serious, but that puts 1.7m pensioners in retirement poverty. The good news is, there are things you can do about it now and you should be taking action NOW. Free WhatApp Group - https://chat.whatsapp.com/FaG9tcZ4xJZDIYhVnHYdsTJoin my community - https://calmmoneycommunity.com/Each week, the podcast will focus on:one signal worth unpackingone calm conversationand one small adjustment to considerSome episodes will be anchored to the news. Others will focus on behaviour or seasonal pressures.The format stays the same.The podcast mirrors the thinking in the weekly newsletterIt often sets up conversations inside the communityBut it's designed to be useful on its ownYou don't need to listen to every episode.You don't need to take notes.If one idea helps you think more clearly about your money, it's done its job.Submit your question - https://forms.gle/RHLjdE9BuU92ersr6

Tenants across India's six biggest metros have handed landlords Rs 1.26 trillion in security deposits, a new NoBroker study estimates. Around $15 billion of tenant money, refundable in name, sits in landlords' accounts earning interest for people it does not belong to. In this episode, host Snigdha Sharma ask what a deposit actually costs a renter, and arrives at a number: nearly a month's rent, every year. The same tenant who pays 2 months' deposit in Mumbai is asked for 10 in Bengaluru, and in Delhi NCR, about 4 in 10 never got their full deposit back. Renting was meant to be a phase. But with home ownership drifting out of reach, tenants may be extending this loan for decades.Tune in.Recommendations:It sucks to be a tenant in Bengaluru right now*Take The Ken's audit hereDaybreak is produced from the newsroom of The Ken, India's first subscriber-only business news platform. Subscribe for more exclusive, deeply-reported, and analytical business stories.

Over the last decade of living in Iceland, I've taken numerous solo trips around the country, including several solo camper van adventures. My very first solo camper van trip was a two-week Ring Road journey in May 2022, and it taught me more than I ever expected. I was excited, nervous, anxious, and completely ready to see what Iceland would feel like on my own. Since then, I've helped countless travelers plan their Iceland adventures through private consultations, and I've noticed the same questions and concerns come up repeatedly for people considering solo camper van travel. Whether you’re planning your first solo trip or simply looking for practical advice, these are 21 of my biggest lessons, mistakes, tips, and honest thoughts after years of exploring Iceland on my own. https://www.youtube.com/watch?v=vVLaVg5G618 The 21 Tips I Share About Taking a Solo Camper Van Trip in Iceland Why a Heater Is Essential in an Iceland Camper Van How to Keep Yourself and Your Belongings Safe The Security Mistake Most Travelers Don’t Think About Why Good Insurance Can Save You Thousands Don’t Forget a Portable Charger Learn a Few Icelandic Phrases Before You Go Master the Art of Layering for Iceland’s Weather Packing Cubes Are a Camper Van Game-Changer Choosing the Right Camper Van Size What Comes Included in Most Iceland Camper Vans Surviving Middle-of-the-Night Bathroom Runs Why Water Shoes Deserve a Spot in Your Bag Bring Your Favorite Snacks From Home Not All Iceland Campsites Are Created Equal Visit Local Swimming Pools for Relaxation and Connection Cooking in a Camper Van Is Better Than You Think How to Avoid Expensive Speeding Tickets Check Weather and Road Conditions Every Day Exploring Iceland’s Highlands as a Solo Traveler Where You Can (and Can’t) Camp in Iceland Why Solo Travel in Iceland Is Truly Transformative Resources for Planning Your Iceland Camper Van Trip The Ultimate Packing Checklist for Iceland  Iceland Discount Code Bundle – save loads while exploring Iceland The Ultimate Guide to Renting a Car in Iceland Private Iceland Trip Consultations 1. Rent a Camper Van with a Heater Even during summer, Iceland can get surprisingly cold at night. A heater can make the difference between a miserable night and a comfortable one. I personally use the Go Lite Camper from Go Campers, and I run the heater almost every trip, even in July and August. Since you’re traveling alone, you don’t have another person helping generate body heat inside the van, so staying warm becomes even more important. 2. Always Lock Your Van Iceland is incredibly safe, but that doesn’t mean you should be careless. Whenever I left my van, even for a quick bathroom run, I locked it. I also locked it while sleeping at night. Most thefts are avoidable by keeping valuables out of sight and securing your vehicle properly. 3. Protect Your Personal Belongings While camper van break-ins are uncommon, pickpocketing can happen in busy tourist areas such as Reykjavík and popular Golden Circle attractions. It’s sad to say that pickpocketing has increased in recent years, so you have to be vigilant with securing your personal items in your backpacks or pockets.  Keep your bag zipped, valuables secure, and never leave important items visible.  This doesn’t happen on a massive scale in Iceland but it is happening enough that I have to talk about it. As a solo travel, you don’t have anyone else to look out for you, which can make you an easier target. 4. Get the Best Insurance You Can Afford This is one area where I recommend not cutting corners. Sand and ash protection is especially important in Iceland. Strong winds can cause serious damage to vehicles, and repairs can become very expensive if you aren’t properly covered. While this does apply to everyone who rents a car or camper van in Iceland, I feel it is very important for solo traveling because you are bearing the full cost on your own if something happens to the vehicle. Better to be protected than to be surprised with a big bill later on for damage that was not covered. Check what your credit card covers, but don’t assume it includes Iceland-specific risks.  Save Money on Your Iceland Camper Van Rental You can use my discount link to save 7% on your camper van rental with Go Campers and receive a free sleeping bag. I use their cars and campers when I travel around Iceland, and I've partnered with them for over 4 years now. The main reasons? Their customer service is amazing, and they have a wide range of vehicles to choose from. When you click on my discount link (https://www.gocampers.is/?ref=allthingsiceland), choose the dates for your travel and the 7% discount will automatically be applied. Choose a sleeping bag under the “extras” section, and the total price won't increase. And just so you know, using my link gives me a small commission at no extra cost to you. It's one of the ways you're supporting All Things Iceland and the content I create. Thank you in advance for that. 5. Bring a Portable Charger Your phone becomes your camera, GPS, communication device, and safety tool while traveling. A portable battery pack (power bank) has saved me numerous times when filming content or spending long days on trails. Plus, it is always necessary to have a charged device just in case you need to call for help, especially when traveling solo. Here is an affordable power bank option. 6. Learn a Few Icelandic Phrases Even simple phrases like: Góðan daginn (Good day) Takk fyrir (Thank you) can create meaningful interactions with locals. One of my favorite memories was chatting with a farmer in North Iceland who was genuinely excited that I was attempting to speak Icelandic. It certainly is not necessary to do this but a little goes a long way, in this instance. It was nice to be able to connect with Icelanders along the way, when I felt uop to socializing. 7. Learn How to Layer Properly Iceland’s weather changes constantly. A proper layering system should include: Moisture-wicking base layer Insulating layer Windproof and waterproof outer layer Hiking pants Sturdy boots This helps you stay comfortable without overpacking. You can find all of the essentials to pack in my free Ultimate Packing Checklist for Iceland. 8. Use Packing Cubes Packing cubes completely changed my camper van experience. Instead of digging through piles of clothes, everything stays organized and easy to find. When you’re living in a small space, even on your own, organization matters. My trip felt much more enjoyable because I could easily find clothes when I needed to, so I could continue on my adventure. These packing cubes are great! 9. Choose the Right Size Camper Van In my opinion, the size of your camper van does matter. Just because you are one person, doesn’t mean that the smallest size is the most suitable. I personally prefer a mid-sized camper van because it offers enough space to be comfortable while remaining easy to drive and park. I absolutely loved the ability to convert the bed into a table is especially useful during bad weather. It is work to make the conversion but it is totally doable as a solo traveler. 10. Know What Equipment Comes with Your Van Many camper vans already come with many things you need. The Go Lite Camper  that I frequently used and the other camper vans from Go Campers include: Portable stove Pots and pans Plates and utensils Electric cooler Running water sink Knowing what’s already included prevents unnecessary packing, and makes your solo traveling experience much easier. 11. Prepare for Cold Middle-of-the-Night Bathroom Runs This might be the least glamorous part of camper van life. I dreaded getting out of the van in the middle of the night to use the bathroom but I couldn’t avoid it. For those who don’t know, summer in Iceland can mean a high of 60 degrees Fahrenheit. The evenings are normally chillier, so I figured out a strategy that works for me when it comes to these late night bathroom runs. Being warm and cozy inside your sleeping bag makes those late-night bathroom trips feel much harder. My solution: Park close to the bathroom Keep shoes near the door Have a sweater ready Bring your keys and phone I always locked my van when I left it, even in the middle of the night. Once, I got back in the van, I locked it again, because it made me feel secure knowing no one can get in the van while I slept. 12. Pack Water Shoes I learned this lesson the hard way. While visiting a hot spring in the Westfjords, I slipped and cut my toe. That was in the beginning of my first solo travel journey, and it sucked! It is not fun for that to happen, in general, but as a solo traveler, I was the only one there to take care of me. Yes, accidents can happen but some can be avoided. Bringing water shoes is added in protection from the elements, especially in natural hot springs. Water shoes provide: Better grip Foot protection Added safety at natural hot springs They’re now a permanent part of my packing list. Here are some water shoes that work well for Iceland. 13. Bring Your Favorite Snacks Travel fatigue is real. As a solo traveler, you are the only one making all of the decisions, cooking all the meals, doing the driving, and so on. Sometimes, you are too tired to make a full meal and if the weather is acting up, you might be in your van for a while. Having familiar snacks helps when you’re tired, hungry, or simply don’t feel like making another decision. Some of my favorites include: Protein bars Peanut butter and jelly sandwiches Instant meals – like Ramen Trail mix These were life savers during or after a long drive when I didn’t have the energy or time to cook a full meal. 14. Research Campsites in Iceland Before You Go Not all campsites are equal in Iceland. Some offer: Hot showers Laundry facilities Kitchens Electricity Amazing views Others provide only the basics in Iceland, and the price can still be the same! I like to use tjalda.is to search for camp sites all over Iceland that have the amenities that I want. If I found one that suited my needs, like a shower and laundry facilities, I would look up the Google Reviews for the place to see what others have said about it. Sometimes, I was willing to stay at a basic campsite because of its proximity to the attraction I was going to next, but I at least knew before I arrived that it was a basic campsite. It’s also helpful to know that in summer, all campsites in Iceland are open, but during fall, winter, and spring A little research ahead of time can significantly improve your trip, and help you manage expectations. 15. Use Local Swimming Pools to interact with Icelanders Because almost every town, even really small ones, have a  swimming pool in Iceland, there are over 100 of them to choose from.  They are fantastic places to: Relax Shower Meet locals Enjoy hot tubs and saunas They’re also one of the most authentic Icelandic experiences you can have. Whether you feel like socializing or just having a relaxing soak, add some local swimming pools to your itinerary. 16. Cooking in Your Camper Van Is Surprisingly Cozy One of my favorite discoveries was how enjoyable it is to cook inside the camper van during rainy or very windy weather. It’s comfortable, practical, and often much cheaper than eating out every day. Plus, in the Go Lite camper, there are vents in the ceiling and it is easy to open the doors for ventilation  17. Watch Your Speed or Potentially Bust Your Budget Iceland takes speeding seriously. Fines can be extremely expensive. I’ve heard of travelers paying: $500 or even over $900 As a solo traveler, those type of fines can completely bust your budget. Since that is totally avoidable, stick to the speed limits and enjoy the scenery instead. 18. Check Weather and Road Conditions Daily Conditions can change dramatically across Iceland, even within the same day. I remember driving in an area with blue skies and a completely clear road to then encounter snow on the road and cloud coverage. That all happened within an hour in East Iceland. Granted, I was driving higher up in elevation, but those conditions are entirely possible in Iceland. You can be prepared for them by checking the weather ahead of time. My go-to resources before heading out for the day in Iceland are: SafeTravel.is Road.is 19. Be Careful When Exploring the Highlands Solo The Highlands are incredible, but they require extra preparation. There are many places in the highlands that are not great for solo travel because the roads are intense due to deep river crossings. If you’re new to Highland driving, a beginner-friendly area I highly recommend is Hveradalir geothermal area in the Kerlingarfjöll mountain range. I have been there many times and it’s an incredibly beautiful place. The road can get a little rough but it doesn’t require a river crossing, which is a big relief for anyone traveling there. Before going there, make sure your camper van is approved and insured for driving on F-roads. 20. Camp Only at Designated Campsites Wild camping with a camper van is not allowed in Iceland. Following the rules helps protect Iceland’s nature and avoids costly fines. You must stay at an official campsites. I think this an especially positive law for solo travelers because you are at a spot where others are around in case you need help, it is safe, and there are facilities around for you to use. As I mentioned in #14, not all campsites in Iceland are created equal, so please do your research on which campsite suits you before going there. You normally do not need to pre-book a campsite. However, I highly recommend doing so, if you plan to camp during two occasions in Iceland. The first is Versulnarmannahelgi (Shop Keeper’s weekend). It’s always the weekend that includes the first Monday in August. During that weekend, many Icelanders go camping around the country, so the popular campsites get booked up. The second occasion is specific to 2026, which is the Total Solar Eclipse on August 12th. The prices for hotels and accommodations are thousands of dollars per night. Even camper van prices have increased for that week due to demand. It is worth booking campsites for at least the 11th and 12th. 21. Solo Travel in Iceland Is Truly Transformative This might be the most important lesson of all. Traveling alone gives you space to think, reflect, and experience Iceland at your own pace. Some of my favorite memories are simply standing in nature, listening to the wind, watching the landscape, and appreciating the freedom that comes with solo travel. It’s not always comfortable, but it is incredibly rewarding. Resources for Planning Your Iceland Camper Van Trip If you’re planning your own adventure around Iceland, these free resources can help: Ultimate Iceland Packing Checklist Know exactly what to pack for every season. Iceland Discount Code Bundle Save money on: Camper vans Car rentals Tours Activities Accommodations Iceland Car Rental Guide Learn about: Road signs Driving rules Insurance Road conditions Common mistakes visitors make Need Personalized Help? I also offer a limited number of private trip consultations where I help travelers create an itinerary, choose the right route, and maximize their time in Iceland. Happy travels, and I hope your solo Iceland adventure is as memorable as mine has been. Random Fact of the Epiosde During one of my camper van trips, I actually got stuck in the mud and had to get help getting out. Thankfully, someone kind helped because rescue services in Iceland can sometimes cost close to $1,000 depending on the situation. Icelandic Word of the Episode Húsbíll – camper van Hús means House in Icelandic and bíll means car, so it is literally a house car. Share this with a Friend Facebook Pinterest Threads Email Let’s Be Social Youtube Instagram Tiktok Facebook Þakka þér kærlega fyrir að hlusta og sjáumst fljótlega. Thank you for listening and see you soon.

In this Dialogue episode of The Synopsis we talk Netflix and the financial case for renting vs buying a home.  YouTube Video Links: Netflix Update (June 23rd), Buying vs Renting a Home (July 5th)  Five Minute Money Newsletter Free Sign Up   ~*~ You can also get a free trial to AlphaSense to read 200k+ expert calls through this link.  ~*~ For full access to all of our updates and in-depth research reports become a Speedwell Member here. Please reach out to info@speedwellresearch.com if you need help getting us to become an approved research vendor in order to expense it. -*-*-*-*-*-*-*-*-*-*-*-*-*-*- Show Notes (0:00)  —Netflix Narrative (6:31)  — Why is Engagement Falling? (9:38)  — Netflix Ad Tech (17:44)  — Netflix Content Cost Per Sub Advantage (21:37)  — Netflix Valuation (27:35)  — Should You Buy or Rent a Home? (34:28)  — Home Buying Rules -*-*-*-*-*-*-*-*-*-*-*-*-*-*- For full access to all of our updates and in-depth research reports, become a Speedwell Member here. Please reach out to info@speedwellresearch.com if you need help getting us to become an approved research vendor in order to expense it. *-*-*- Follow Us: Twitter: @Speedwell_LLC Threads: @speedwell_research Email us at info@speedwellresearch.com for any questions, comments, or feedback. -*-*-*-*-*-*-*-*-*-*- Disclaimer Nothing in this podcast is investment advice nor should be construed as such. Contributors to the podcast may own securities discussed. Furthermore, accounts contributors advise on may also have positions in companies discussed. This may change without notice. Please see Speedwell's and Drew Cohen Money's full disclaimers here:  https://speedwellresearch.com/disclaimer/ https://www.drewcohenmoney.com/disclaimers 

In Russia, you can now rent a barbecue companion for $15 to $65 a day — jokes and anecdotes included, no lasting friendship expected. Brian From opens with that story as a window into something both funny and genuinely heartbreaking about the loneliness epidemic. Then a personal story: getting pulled over late at night with his son in the car, expired plates, and the surprisingly rich spiritual parallel — what happens when those lights come on behind you, and do you repent or make excuses? Former congressman Ben Sass is walking his terminal cancer diagnosis publicly and with remarkable faith, and Brian reflects on what it means to display your theology when the stakes are as high as they get. A pointed look at the lukewarm church of Laodicea in Revelation 3 — hot or cold, not somewhere in between — and what it means for a congregation to be spiritually comfortable, wealthy, and quietly dying. A meditation on what faith looks like when God feels silent, drawing on the stories of the bleeding woman and Jairus's daughter in Mark 5, and the startling private letters of Mother Teresa, who spent decades feeling God's complete absence while continuing to serve the poorest of the poor. The paradox of faith, Brian concludes, is that it often shines brightest not in clarity but in darkness — and what feels like absence will in time reveal itself as a deeper presence.See omnystudio.com/listener for privacy information.

See omnystudio.com/listener for privacy information.

Manos Koukoumidis, CEO of Oumi, returns to the podcast to make the case that most enterprises are wildly inefficient, using bloated generic AI models for tasks that demand specialized ones. He argues that companies should stop renting intelligence from frontier labs and start owning, customizing, and compounding it.Subscribe to the Gradient Flow Newsletter

Andrew "Boz" Bosworth is the chief technology officer of Meta. Bosworth joins Big Technology to discuss why Meta fell behind in the frontier AI race and how it plans to turn its models, products, and distribution into an advantage. Tune in to hear his candid explanation of what went wrong with Llama, why the best AI products will use multiple models, and what it will take for consumer agents to break through. We also cover Meta's AI glasses, the future of augmented reality, employee tracking and training programs, AI companions, and the painful process of adapting a company to a technological revolution. Hit play for a revealing conversation about Meta's AI comeback and the products that could shape how we interact with computers. --- Enjoying Big Technology Podcast? Please rate us five stars ⭐⭐⭐⭐⭐ in your podcast app of choice. Watch the full documentary here: https://www.gravitee.io/ai-agent-documentary Want a discount for Big Technology on Substack + Discord? Here's 25% off for the first year: https://www.bigtechnology.com/subscribe?coupon=0843016b Learn more about your ad choices. Visit megaphone.fm/adchoices

YEAR 6 IS FINALLY HERE!  GO CHECK OUT OUR YOUTUBE TO SEE OUR BRAND-NEW INTRO!  You can find the animator using the link below! https://www.fiverr.com/syedahumna56/do-professional-pixel-art-animation-of-your-choice?utm_medium=shared&utm_source=copy_link&utm_campaign=gig&utm_term=AyNLxkP   *Intro includes minor edits not provided by the original animator. All animated assets were provided by the animator listed above, with some text assets added in post by Keeping Up With The Nerds.   Check out our affiliated links! Opus clips Partner link: https://www.opus.pro/?via=Nerd   Check out our Website: Keepingupwiththenerds.com   ​An absolute bombshell drops on the gaming world this week, and the crew is fired up about the shifting landscape of how we buy, collect, and experience our favorite hobby. Grab your controllers (and maybe hold onto your hard drives), because this week on Keeping Up With The Nerds, we are diving deep into the digital horizon.   First up, the physical disc is officially on life support. Following a wave of sudden, frustrating industry announcements, the gaming world is sprinting toward an all-digital future at breakneck speed. We air out our collective frustrations over losing physical media, the death of the midnight release, and the bittersweet feeling of looking at an empty shelf space where our favorite collections used to live.   But it's not just a lack of plastic that has us worried. This inevitable transition forces us to confront the single biggest question looming over modern entertainment: Do we actually own what we buy? We break down the scary reality of digital licensing, storefront shutdowns, and why this shift might finally force companies to give consumers a straight answer on digital ownership.   In this Issue:

BOOK YOUR 1:1 ALIGNMENT CALLFINAL SPACES FOR 1:1 COACHING:GET MY BOOK RADICAL SELF-HONOURINGMAP YOUR VISION - YEARLY BUSINESS PLANNERSRepurpose Ai: Streamline your content creation and repurpose effortlessly with ⁠Repurpose Ai⁠.Later Content Scheduling: Simplify your social media strategy with ⁠Later⁠.Flodesk: Elevate your email marketing with Flodesk – get 50% off your first year using ⁠this link⁠.Other Resources:Submit a question to be featured on the podcast and receive live coaching! Send a voice note or fill out the⁠ question form⁠.Where To Find Us:Instagram:⁠ @sigma.wmn⁠TikTok:⁠ @sigma.wmn⁠Newsletter:⁠ Subscribe here⁠Threads:⁠ @sigma.wmn⁠In this episode, we unpack the costly business mistakes women business owners can make when they are trying to navigate growth without strategic support. From hiring too soon, to expanding too fast, to misunderstanding what a business consultant actually helps with, this conversation explores how easy it is to make expensive decisions when you are guessing your next move instead of working from clarity.We look at why a consultant is not just there for social media support, but for helping you make better business decisions across strategy, structure, timing and sustainability. Because when you do not have visibility over your numbers, your capacity or the real function of your business, it becomes much easier to overextend, overhire or commit to growth that your business cannot yet support.Tune in to hear:Why a business consultant is not just social media support.The risk of hiring too soon before your business has the revenue to sustain it.Why expanding into a studio, clinic or shopfront too early can create unnecessary pressure.How visibility over your numbers can help you make more strategic business decisions.Find the Complete Show Notes Here → ⁠https://sigmawmn.com/podcast⁠In This Episode, You'll Learn:What a business consultant actually helps with beyond content and visibility.Why hiring before your revenue is stable can create financial strain.How expanding too quickly can damage profitability and increase pressure.How strategic support can help women business owners avoid expensive mistakes and grow more sustainably.Themes & Time Stamps:0:03 – Introduction: Support that matches your expectations0:44 – Why this two-part series exists1:31 – What a business consultant actually does (it's not just social media)1:53 – Beyond Instagram & TikTok: The real foundations of business3:14 – Mistake #1: Hiring staff before you can afford to4:00 – The legal dangers of hiring without proper advice (employment law, WorkCover)4:23 – Australian employment law & what happens if you get it wrong5:54 – Personal story: Unfair dismissal & a $45,000 payout6:57 – The real reason people hire staff they can't afford: no financial visibility7:16 – Know your figures – every single month8:03 – Tax provisions, cost of service & expense awareness8:34 – What financial reports every business owner should understand9:12 – Profit & loss, cash flow projections & balance sheets explained10:33 – Mistake #2: Renting a physical space before you can afford it11:10 – How to know if you can actually afford a commercial lease12:30 – Mistake #3: Hiring staff as a sole trader (liability & business structure)14:04 – Where to get good financial, legal & accounting advice

America turns 250 this weekend, and Brian From draws on Russell Moore's piece about Johnny Cash and Roger Williams to land on the right frame for Christian patriotism: love your country, celebrate it, hang the flag, watch the fireworks — but remember which is which. You have a Lord, you have a kingdom, and while you're proud to be American, your primary citizenship is in heaven. Then a sobering look at Gallup data showing loneliness among 18-to-44-year-olds at its highest level since the pandemic, what causes it to spiral into shame and self-isolation, and why the only way out is the uncomfortable step toward vulnerability and connection. A viral story about two climbers who scaled to the very top of the Empire State Building's antenna to get engaged — and are now facing jail time. China's new dog rental platform where you can lease someone's pet by the hour. And the competitive nature of online relationships — how performative digital culture makes deep connection nearly impossible, and what it would look like to be genuinely for other people instead. Brian closes with Teddy Roosevelt's famous "man in the arena" quote, applied not to politics but to faith, family, marriage, church, and mission: the credit belongs to the man who is actually in the arena, not the one on the sideline critiquing everyone else.See omnystudio.com/listener for privacy information.

1 Corinthians 4:2 says, “Moreover, it is required of stewards that they be found faithful.” Faithful stewardship does not happen by accident. The choices we make with money can either create unnecessary pressure or help us manage God's resources with wisdom, margin, and faithfulness. Here are six financial choices that can help us steward well what God has entrusted to us. 1. Spend With a Plan Proverbs 27:23 says, “Know well the condition of your flocks, and give attention to your herds.” For us, that means knowing what is coming in, what is going out, and whether our spending reflects our values. Without a plan, money tends to drift. A budget helps us practice faithfulness with what God has provided. A spending plan is not about restriction for its own sake. It is about clarity. It helps us make decisions with purpose instead of simply reacting to whatever feels urgent in the moment. 2. Choose the Right Car for Your Budget Most of us need reliable transportation. We need to get from point A to point B safely. But it is easy to confuse reliable transportation with a vehicle that strains the budget. According to Kelley Blue Book, the average new vehicle transaction price was more than $49,000. Experian reports that the average monthly payment for a new vehicle reached $770. And that is before insurance, fuel, maintenance, repairs, and depreciation. At FaithFi, we generally prefer being free and clear of car debt when possible. That may mean buying used, driving a car longer, or choosing function over status. The point is not to impress others with what we drive. The goal is to get where we need to go safely and wisely. 3. Count the Cost Before Taking on Debt Proverbs 22:7 says, “The borrower is the slave of the lender.” That does not mean all borrowing is sinful. But borrowing should never be treated casually. If we go into debt, we should make sure the economic benefit outweighs the cost. The question is not simply, “Can I afford the payment?” A better question is, “Will this strengthen my financial position, or will it create more pressure later?” Debt often makes today feel easier while making tomorrow more difficult. Wise stewardship requires us to look beyond the monthly payment and consider the long-term cost. 4. Prepare for the Unexpected Cars break down. Medical bills come. Jobs change. Homes need repairs. Proverbs 21:20 says, “Precious treasure and oil are in a wise man's dwelling, but a foolish man devours it.” Saving is not hoarding when it is done with humility and wisdom. An emergency fund can help us avoid high-interest debt and make decisions prayerfully rather than desperately. Preparedness does not mean we are trusting in money instead of God. It means we are stewarding what He has provided so we can respond wisely when needs arise. 5. Choose Housing That Leaves Margin Homeownership can be a worthy goal, but owning a home is not the definition of financial faithfulness. Renting is not a waste when it provides affordable shelter and flexibility. The danger comes when we feel pressured to buy simply to say we have “made it.” If the payment is too large, we may become house poor—owning a home but lacking margin for giving, saving, repairs, utilities, food, transportation, and other necessities. We typically recommend keeping housing costs at 25-30% of take-home pay. We also generally recommend a 20% down payment when possible. But the goal is not simply to get into a house. The goal is to maintain affordable shelter and utilities while stewarding the rest of the budget. Recent housing data shows why this matters. A typical family earning the national median income needed about 32% of its income to cover the mortgage payment on a median-priced home. If homeownership is possible within wise limits, that is wonderful. But if renting allows you to maintain margin and faithfulness, do not despise it. 6. Make the Most of a Workplace Retirement Match Investing may not feel urgent when there are bills to pay today. But if your employer offers a retirement match, failing to contribute enough to receive it may leave part of your compensation unused. This is not about trusting in wealth for security. 1 Timothy 6:17 reminds us not to set our hopes “on the uncertainty of riches, but on God.” But trusting God does not mean ignoring wise preparation. If a workplace match is available, it can be a practical opportunity to steward well what has been provided through your employment. Start With Honesty and Surrender So where do we begin? Not with guilt or fear, but with honesty and surrender. Stewardship means being responsible in both the big and small financial decisions because everything we have belongs to God. That includes the budget, the car, the debt decision, the emergency fund, the housing payment, and the retirement match. None of these choices is isolated. Together, they shape how we manage what God has entrusted to us. If you need help setting up a budget, tracking your spending, or creating a plan, check out the FaithFi app at FaithFi.com/App. On Today's Program, Rob Answers Listener Questions: I'm 70, and my husband is 71. He's been self-employed for most of our marriage, and we've never really invested or saved much for retirement. We don't have a 401(k), and if we retired, we'd mostly rely on Social Security and would need to cut back significantly. My husband doesn't really want to retire, but I feel like we haven't been faithful stewards and need to start doing something. Where should we begin? My wife passed away in December, and I may be receiving life insurance proceeds. If I deposit that money into my checking account, will it affect my Social Security benefits in any way? I have to take required minimum distributions from my IRA each year. I've heard that if I give to charity directly from my IRA, it can reduce the taxable amount of my RMD. Is that correct, and is there a specific way I need to do that? I'm almost 70 and in a blended family. The money I earned and invested before marriage is separate from my husband and will go to my daughters. After I moved investments between firms and lost money, my current advisor put me into three annuities. I want security, wise stewardship, and a way to leave something for my children, but I'm confused about the annuities, taxes, and withdrawals from these pre-tax IRA accounts. I'd also like a Certified Kingdom Advisor to review my situation. What should I do? Resources Mentioned: Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner) Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship by Rob West Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety Rich Toward God: A Study on the Parable of the Rich Fool Find a Certified Kingdom Advisor® (CKA) FaithFi App Remember, you can call in to ask your questions every weekday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Some Americans are trading deeds for leases as homeownership becomes harder to afford. WSJ personal finance reporter Veronica Dagher joins What's News host Alex Ossola to examine the rise of the "forever renter" and what it could mean for the future of housing and the American Dream. Listen to all episodes in our series on ideas for fixing the housing crisis. Further reading:  The Rise of the Forever Renters  Sign up for the WSJ's free What's News newsletter. Learn more about your ad choices. Visit megaphone.fm/adchoices

The BOB & TOM Show – June 25, 2026 6:00 Hour6:08 Renting a movie theater is not bad financially – Tom6:12 Bunk bed talk6:16 Lean discussion6:25 Is it possible for you to speak without offending anyone, Tom? – Chick6:27 Pat's new T-shirt6:29 Letter: Things Kristi hates; Tom in general; marriage lasting6:32 BoBo Brazil discussion; Kristi dislikes him6:34 Josh tells someone to go play a penny whistle6:35 Letter: Name of kid from yesterday's letter and photo6:38 Letter: Listener gets excited about new dress socks, just like Tom6:41 Ace's car sounds like a lifeboat – Tom6:50 Letter: Watched Wild Bill Curry; not really in a cage6:53 Letter: Did you get the Christmas gift wrapped on Tom's desk Monday?6:54 Don't want anyone touching my stuff – Tom6:54 Letter: Stole a bag of ice like my hero Chick6:55 Letter: Rode with an elevator repairman in an elevator 7:00 Hour7:11 Tom's joke that no one got7:12 Chick got his girlfriend stolen by a camera guy7:14 Kristi found the perfect brownie with sea salt7:25 Store selling a box of ice for $4; ice cubes, not bags7:26 Tom hates crushed ice and curved ice cubes7:26 Explaining curved ice cubes – Tom7:31 Tom hates the movie Cocktail7:33 Sports7:47 Artist making custom cowboy hats for World Cup fans7:50 Tom has a hat wall7:53 My winter cowboy hat is made of beaver – Tom7:54 Woman at Kristi's grocery store wears Spock ears 8:00 Hour8:04 Chick discovers the Nextdoor app8:08 Cigarette butts in Tom's street; his dogs are eating them8:09 World record: Largest ballpoint pen, 21 feet 7 inches, created by an Iraqi man8:16 Ballpoint pens have to have a clicker8:30 Josh knocks the salt off his pretzels8:30 Soap in the anus discussion8:36 1,000 people invited to Taylor Swift's wedding8:38 Lean discussion8:49 Jess in studio8:49 Today in History8:52 You fill a room with people then get mad if they talk, Tom – Josh8:57 Tom dancing 9:00 Hour9:07 Al Jackson joins via Zoom9:09 Boarding planes – Al9:10 Tom not happy with jetways9:25 Missing giraffe in Texas9:33 Tom, could you eat a meal on the toilet while expelling? – Chick9:34 Bag stopper discussion – Al9:35 “Oh, calm down everyone” – Tom9:51 Couple celebrates 80th wedding anniversary, the Oak Anniversary Learn more about your ad choices. Visit podcastchoices.com/adchoices

Should you buy a home or keep renting in today's market? Zillow Senior Economist Orphe Divounguy joins Kathy Fettke to break down Zillow's latest rent-versus-buy research, including the six-year break-even point, the markets where homeownership still builds the most wealth, and why renting may be the smarter financial move in some cities. They also discuss affordability, appreciation, and what investors can learn from the data.   Want to learn more? Visit www.realwealth.com/AffordableMarkets.   DISCLAIMER The views and opinions expressed in this podcast are provided for informational purposes only, and should not be construed as an offer to buy or sell any securities or to make or consider any investment or course of action. For more information, go to www.RealWealthShow.com.