Podcasts about Savers

What habits help you stay positive in the face of overwhelming adversity? At just 20 years old, Hal Elrod was hit by a drunk driver, declared dead for six minutes, and told he'd never walk again. Later, he faced bankruptcy and a rare, aggressive cancer with only a 30% survival rate. Despite these challenges, Hal found the motivation to transform his mindset, conquer the impossible, and create the life-changing Miracle Morning routine. In this episode, Hal delves into the psychology of habit formation and explains how a commitment to the SAVERS framework can boost mental health and unlock peak productivity, especially for entrepreneurs. In this episode, Hala and Hal will discuss:  (00:00) Introduction (03:32) Reframing Rock Bottom with the Five-Minute Rule (09:04) Shifting Your Mindset to Overcome Adversity (17:11) The Power of Self-Belief in Achieving Success (19:35) What is the SAVERS Framework? (25:10) Goal-Setting with Effective Affirmations (31:04) The Role of Sleep in Visualization (37:10) How Exercise Fuels Health and Wellness (39:38) Reading and Scribing for Personal Development (45:00) Why Entrepreneurs Struggle with Morning Routines (49:56) A Three-Phase Strategy for Forming New Habits Hal Elrod is a keynote speaker, bestselling author, and host of the Achieve Your Goals podcast. He is best known for creating The Miracle Morning, a global movement and bestselling book series that has sold more than two million copies and been translated into 42 languages. Hal's SAVERS framework has empowered millions to take control of their mental health, build sustainable habits, and adopt intentional morning routines. Sponsored By: Shopify - Start your $1/month trial at Shopify.com/profiting. Indeed - Get a $75 sponsored job credit to boost your job's visibility at Indeed.com/PROFITING Mercury - Streamline your banking and finances in one place. Learn more at mercury.com/profiting  OpenPhone - Get 20% off your first 6 months at OpenPhone.com/profiting. Bilt - Start paying rent through Bilt and take advantage of your Neighborhood Benefits by going to joinbilt.com/profiting. Airbnb - Find a co-host at airbnb.com/host Boulevard - Get 10% off your first year at joinblvd.com/profiting when you book a demo   Resources Mentioned: Hal's Book, The Miracle Morning: bit.ly/The_MiracleMorning  Hal's Book, Taking Life Head On: bit.ly/LifeHeadOn  Hal's Podcast, Achieve Your Goals: bit.ly/AYG-apple Hal's Website: halelrod.com Psycho-Cybernetics by Maxwell Maltz: bit.ly/Psycho_Cybernetics  The Non-Runner's Marathon Trainer by David A. Whitsett: bit.ly/Marathon-Trainer  Active Deals - youngandprofiting.com/deals  Key YAP Links Reviews - ratethispodcast.com/yap Youtube - youtube.com/c/YoungandProfiting LinkedIn - linkedin.com/in/htaha/ Instagram - instagram.com/yapwithhala/ Social + Podcast Services: yapmedia.com Transcripts - youngandprofiting.com/episodes-new  Entrepreneurship, Entrepreneurship Podcast, Business, Business Podcast, Self Improvement, Self-Improvement, Personal Development, Starting a Business, Strategy, Investing, Sales, Selling, Psychology, Productivity, Entrepreneurs, AI, Artificial Intelligence, Technology, Marketing, Negotiation, Money, Finance, Side Hustle, Startup, Mental Health, Career, Leadership, Mindset, Health, Growth Mindset, Work-Life Balance, Work Life Balance, Team Building, Manifestation, Time Management, Life Balance, Goals, Resolutions.

Imagine being told you only have 12 months to live. What would you do with your time? Today on Your Money, Your Wealth podcast number 532, Big Al Clopine, CPA and Executive Producer Andi Last are thrilled to welcome Jonathan Clements back for his fourth appearance. For thirty years, Jonathan has been known for his personal finance writing: in his column “Getting Going,” which appeared in the Wall Street Journal over 1,000 times starting in 1994, on his website HumbleDollar.com, and in his many acclaimed books. About a year ago, Jonathan Clements was diagnosed with a rare form of lung cancer and was told he had about a year to live. Today we're celebrating the fact that he is still here with us, and we're inspired by his decision to use his precious time to launch The Jonathan Clements Getting Going on Savings Initiative. Watch or listen to find out how you can get a free Kindle copy of Jonathan's new book, and how you can help Jonathan pay it forward for the next generation. Free financial resources & episode transcript: https://bit.ly/ymyw-532 The first 100 people to email us will receive a free Kindle copy of The Best of Jonathan Clements: Classic Columns on Money and Life WATCH Retirement Sabotage! 12 Post-Retirement Money Mistakes to Avoid on YMYW TV ASK Joe & Big Al for your Retirement Spitball Analysis SCHEDULE your Free Financial Assessment SUBSCRIBE to YMYW on YouTube DOWNLOAD more free guides READ financial blogs WATCH educational videos SUBSCRIBE to the YMYW Newsletter Timestamps:  00:00 - Intro: This Week on the YMYW Podcast 02:53 - Jonathan Clements' Getting Going on Savings Initiative 05:23 - $1,000 Roth IRA Contributions and Personal Finance Education for Young Adults 07:55 - Exponential Growth: The Sooner You Save, The Better 09:44 - Research Study Will Measure Impact on Young Savers 11:56 - Financial Education is Important 14:05 - The John C. Bogle Center for Financial Literacy 14:38 - The First 100 People to Email Us Receive a Free Copy of The Best of Jonathan Clements: Classic Columns on Money and Life 15:45 - How Does a Healthy 62-Year-Old Non-Smoker End Up Living With Stage IV Lung Cancer? The EGFR Exon 20 Insertion Mutation 18:52 - HumbleDollar.com, The Jonathan Clements Getting Going on Savings Initiative, and The Best of Jonathan Clements Book

Welcome to the podcast!  Join us in this engaging episode as we dive into the world of relationships, exploring intriguing topics   Love Desk:  It's new terminology time on the love desk, and the newly trending dating term 'floodlighting' and what it means for modern romance.   Hot Topic: Spender or saver & what it says about your relationship  Discover the intricate dance between spending and saving in relationships, and how financial habits can mirror the dynamics of couples. Question: “I've been with the most lovely person and repeatedly asked her to marry me but she said are relationships isn't health”  Finally, we delve into the emotional story of a couple together for over a decade, struggling to align their visions for marriage amidst differing perceptions of their relationship's health. This episode offers insights and reflections for anyone navigating the complex yet rewarding journey of love and partnership.   Till next time! Sara Liddle Email: info@inflori.co.uk Website: www.inflori.co.uk Relationship Reset: www.inflori.co.uk/reset  

MASTER INVESTOR: How To Print Money In Business? Understanding what the wealthy know #wealth #viewsOne of the new rules of money: Print money legally for free with "fake money"(debt)Get our products and tools to build wealth today: https://bit.ly/masterinvestorpartnersUse the link: https://crypto.com/app/68rxkbmmfc to sign up for Crypto.com Resources, courses, eBooks and more: www.masterinvestor.moneyAll contents © 2025 Master Investor. All rights reserved.SUMMARY:Wages are not increasing while inflation is, so saving will not help anyone to become wealthy because money is not longer real money, it is fake or a currency.Discover how to legitimately "print our own money" and get infinite returns in our investments.We must first work on the right side of the CASHFLOW Circle in order to "print money legally".At the end of today's article we will cover our bonus question “What are ways to use good debt (OPM/Money/Good Debt) for real estate investing?The average salary for American workers has either decreased or remained unchanged over the previous twenty years. In the interim, inflation has kept rising. Simply put, this indicates that our currency is decreasing in value and that we are getting less value for it. Savers are losers and good debtors are the winners in today's economy.It is insane to believe that we can succeed in today's economy by securing a good job and putting away money. Every day, our money's worth decreases. It is crucial in the modern world of finance that we master the art of legitimately printing money. This is achieve through sound investing. To be successful we must act like the government acts in a capitalist nation.The more the government prints money the more inflation we will have in our economy. That is only a problem for the people playing with the old rules of money and working for earned income only which income is taxed at the highest bracket of the three main types of income that exist. See the diagram below. It will be difficult for the employee and self-employed (those on the left side of the cash-flow-circle) to get ahead financially because of inflation.Currently, the national debt of the United States is $36.22 trillion. Discover the mechanics of the national debt and its effects on us. The US government creates approximately $16.9 billion in spending each day. And some of the money that is created digitally daily gets printed in the form of cash and then gets injected into the economy. As a result of this action, the devaluing of the U.S Dollars increases.The US government collects around $13.6 billion in revenue each day, mostly from individual, and some for corporate income taxes. The US government spends around $6.2 trillion annually, or around $16.9 billion per day.Finish reading the full article here: https://masterinvestor.beehiiv.com/p/...Go to www.masterinvestor.education for more services and products.SUBSCRIBE, COMMENT, AND SHARE. Get in our inner circle with one of a digital course to help anyone build the asset column through sound investing: www.masterinvestor.moneyGet our ebooks: 1- How to build cash flow with the internet? Turn Passive Income On: http://www.masterinvestor.money2- The 10 new Rules Of Money: https://bit.ly/10newrulesofmoney3- How to invest in crypt to build wealth? Understanding Bitcoin and Blockchain: https://bit.ly/howtoinvestincryptotob...Join Mater Investor's community, subscribe. DISCLAIMER: This video and description may contain affiliate links, which means that if you click on one of the product links, we receive a commission. This helps support the channel and allows me to continue to make videos like this. We will never support or push a product we don't believe in. Thank you for your support!All contents © 2025 Master Investor. All rights reserved.

EFCC Arraigns EcoBank Staff Over Cash Pay Into Saver's Acct Without Consenthttps://osazuwaakonedo.news/efcc-arraigns-ecobank-staff-over-cash-pay-into-savers-acct-without-consent/22/05/2025/#EFCC #Borno #EcoBank #Lagos ©May 22nd, 2025 ®May 22, 2025 3:16 pm Economic and Financial Crimes Commission, EFCC has arraigned a staff of EcoBank PLC, Solomon Stephen Ufayo for cybercrime after the suspect made deposit into one of the bank customers' account and later withdrew same without the consent of the account holder. #OsazuwaAkonedo

Who or what has saved the Astros' bacon so far this season? ITL breaks down the unlikely heroes and surprise standouts keeping the team afloat. Then, DeMeco Ryans goes full Caserio-mode, showering WR Justin Watson with praise — is this the next Ladarius Henderson-type sleeper? Plus, San Antonio is considering naming its airport after Gregg Popovich, so QOTD: What would YOU want named after you and why? From ballparks to burger joints, the crew dives into the funniest and most fitting answers.

SPONSOR: Direct Bullion. Download your free Guide to Gold Pensions Now. (plus get a special bonus).CLICK HERE NOW: https://robmoore.directbullion.com Rob reveals his formula for early retirement based on his own experience of retiring three times! Rob shares his ICE investment framework, debunks common retirement myths and explains why a million pounds isn't enough anymore. KEY TAKEAWAYS Setting your retirement number is essential. Calculate how much annual income you want, double it for tax, then determine what capital sum would generate this. But remember, inflation will erode this over time. The best investment strategy combines income, capital and equity (ICE). Property and well run businesses offer all three elements, while other investments like gold or Bitcoin usually provide only one or two. Keep your largest expenses (housing, transportation, travel) as low as possible for as long as possible while investing heavily, rather than obsessing over small daily purchases. Continuously reinvesting profits rather than drawing income dramatically speeds up compounding, your capital pot grows faster, generating more income over time, protecting your wealth from both market volatility and your own spending habits. The fastest way to reach your retirement number is through business ownership which has the highest risk but greatest control. Property provides the most reliable passive income once you retire (combining income, capital appreciation, and equity potential). BEST MOMENTS "I retired at 29, not even a week, went on a week's holiday. My business partner was like, the world is fucked. Get back. I was bored anyway on the ski holiday." "You don't save for retirement. You plan for retirement. The only source of income from the government is taxation and you are the source of taxation, the only source of money from the banks, the savers, and the depositors, which is you." "You can never save your way to wealth. Savers are losers. Savings are degrading. The only way you can ever get rich is investing, either investing your time into your own company or investing your money into assets." "Warren Buffet says, well, everyone doesn't like it when their stock goes down. I love it when my stock goes down 'cause I just buy more." "Most people, when they're doing really well, they just spend it and waste it. But you wanna be planning for the rainy days, the lower days." "To get to your retirement age or number quicker, it's a business. But to retire, it's a property portfolio." VALUABLE RESOURCES https://robmoore.com/ bit.ly/Robsupporter https://robmoore.com/podbooks rob.team ABOUT THE HOST Rob Moore is an author of 9 business books, 5 UK bestsellers, holds 3 world records for public speaking, entrepreneur, property investor, and property educator. Author of the global bestseller “Life Leverage” Host of UK’s No.1 business podcast “The Disruptive Entrepreneur” “If you don't risk anything, you risk everything” CONTACT METHOD Rob’s official website: https://robmoore.com/ Facebook: https://www.facebook.com/robmooreprogressive/?ref=br_rs LinkedIn: https://uk.linkedin.com/in/robmoore1979 See omnystudio.com/listener for privacy information. This Podcast has been brought to you by Disruptive Media. https://disruptivemedia.co.uk/

Creating a Morning Routine for SuccessIn this episode, Scott & Renee discuss the "S-A-V-E-R-S" morning routine derived from the bestselling book "Miracle Morning".  You will learn how to start your day off energized and with positivity.  S= SilenceA = AffirmationsV = VisualizationE = ExerciseR = ReadS = Scribe (Journal)In addition, Scott is facilitating a 30-day challenge based on the Miracle Morning.  Check out our Facebook page to learn more @turnthedialcoaching.  *Turn the Dial Coaching is not affiliated with the Miracle Morning, nor are Scott & Renee Certified trainers of the system.  They simply have seen the amazing results personally by following the SAVERS routines and therefore constantly promote the book and system to others. 

Why locking in savings can be a winner. Should you fix your mortgage now or wait? How to get accepted for a mortgage, and more.Martin reacts as the Bank of England cuts UK base interest rates again from 4.5% to 4.25%, we recorded this literally minutes after it happened and focus on answering your questions about the impact on savings and borrowing (especially mortgages)For savers there's a warning to act quick if you want to fix.Mortgage holders big questions was fix now or wait – we cover that, but also a fascinating discussion with our mortgage broker guest on what it takes to get accepted for a mortgage whether for a new one or remortgaging, lots of eye opening facts there.In the Tell Us, with summer coming what's far cheaper to buy abroad (things that you can then bring home that is)And in the Mastermind we find out if Adrian knows why it's always important to turn your suncream around.

Allen Prescott, The Wife Saver 46-04-15 Ep037 If I Had You

Bongani Bingwa speaks to Operations Director at Door of Hope Children’s Mission and Co-founder of Baby Savers South Africa, Nadene Grabham about the legal, emotional, and ethical debate surrounding baby saver boxes . 702 Breakfast with Bongani Bingwa is broadcast on 702, a Johannesburg based talk radio station. Bongani makes sense of the news, interviews the key newsmakers of the day, and holds those in power to account on your behalf. The team bring you all you need to know to start your day Thank you for listening to a podcast from 702 Breakfast with Bongani Bingwa Find all the catch-up podcasts here https://www.primediaplus.com/702/702-breakfast-with-bongani-bingwa/audio-podcasts/702-breakfast-with-bongani-bingwa/ Listen live - 702 Breakfast is broadcast weekdays between 06:00 and 09:00 (SA Time) https://www.primediaplus.com/station/702 Subscribe to the 702 daily and weekly newsletters https://www.primediaplus.com/competitions/newsletter-subscription/  Follow us on social media: 702 on Facebook: http://www.facebook.com/TalkRadio702   702 on TikTok: www.tiktok.com/@talkradio702  702 on Instagram: www.instagram.com/talkradio702  702 on X: www.x.com/Radio702  702 on YouTube: www.youtube.com/@radio702  See omnystudio.com/listener for privacy information.

Ever had a customer walk in, get chased for months, and your team still greets them like it's Day One? Yikes. In this episode of Dealer Talk with Jen Suzuki, we're calling out the CRM habits that are quietly killing your deals—and showing you how to fix them. Jen breaks down how internal notes create smooth BDC-to-sales handoffs, how to log objections and buying triggers that actually close, and why skipping CRM updates might be why your customer disappeared. If you want loyal buyers and not just new leads, it starts with smarter follow-ups, stronger recaps, and tighter processes. Let's make your CRM your best closer. Dealer Talk with Jen Suzuki Podcast |

I started in 2017 as a holistic health coach. Now I've come full circle to sing the praises of deeper sleep, less stress, and better boundaries.In this episode of The Sage & the Song, I share about the full circle of my vocational journey back toward holistic health, and why these three topics—sleep, stress and boundaries—are asking to be prioritized, not just for me, but for all of us.This episode serves to also share about my upcoming Peace & Power Series, 3 x live 90-minute classes in May 2025:Sleep Deep (runs live on May 6th)Stress Less (runs live on May 13th)Better Boundaries (runs live on May 20th)~ RESOURCES ~The Peace & Power Series: https://www.brittagreenviolet.com/peacepower ⁠Visit my website: ⁠⁠brittagreenviolet.com⁠⁠⁠Connect with me on IG: ⁠⁠⁠⁠⁠⁠⁠@brittagreenvioletConnect on LinkedIn: @brittagudmunson

“If you're saving all your money in the bank, you're quietly becoming poorer. In this episode, Jaspreet exposes the uncomfortable truth about today's financial system and why traditional advice like “save your money” is setting people up to lose: Why your hard-earned dollars are losing value every day How government money printing is quietly draining your savings The real reason inflation keeps making life more expensive Why savers are turning into financial losers (and what to do about it) How money flows to asset owners and why you want to be one The critical difference between saving for security and investing for wealth How to start protecting yourself by building savings and investing smartly If you're serious about building real financial security and not getting left behind, this episode is your wake-up call. Want more financial news? Join Market Briefs, my free daily financial newsletter: https://www.briefs.co/market Below are my recommended tools! Please note: Yes, these are our sponsors & advertisers. However, these are companies that I trust and use (or have used). The compensation doesn't affect my recommendations or advice. That being said, you should always do your own research & never blindly listen to a random guy on YouTube (or a podcast). ---------- ➤ Invest In Stocks Passively 1) M1 Finance - Buy stocks & ETFs automatically: https://theminoritymindset.com/m1 ---------- ➤ Life Insurance 2) Policygenius - Get a free life insurance quote: https://theminoritymindset.com/policygenius ---------- ➤ Real Estate Investing Online 3) Fundrise - Invest in real estate with as little as $10! https://theminoritymindset.com/fundrise ----------

Sometimes the best reset isn’t a weekend away—it’s the small things that lift your spirit and ground you right where you are. In this episode, Rebekah shares her current list of favorite things: sanity-saving tools, high-protein snacks, fashion favorites, faith anchors, brain-boosting podcasts, and a touch of whimsy. Whether you're feeling overwhelmed or just looking for a few new joyful discoveries, this episode is full of practical (and fun!) inspiration. What You’ll Hear: How Rebekah uses ChatGPT to organize home and business life Her favorite recipes from “This Is Not Diet Food” What the Honey Huddle has to do with stuffed African animals Cottage cheese: the MVP of snacks and lunch A peek at her go-to RSD bags: BB, Lizzie & Jovi The devotional that’s anchoring her faith right now The podcasts keeping her brain sharp and her heart grounded $13 sunglasses and skipping out of Dollar Tree (literally) Resources Mentioned: ChatGPT This is Not Diet Food Blog Honey Huddle (Free Download) BB, Lizzie & Jovi Bags (Use code ENCOURAGER) Threshold by Craig Cooney – Buy the Devotional Central Record Worship Channel on YouTube Rewire Your Brain Podcast by Liz Bagwell The Briefing by Albert Mohler Sojo Sunnies on Amazon Discover more Christian podcasts at lifeaudio.com and inquire about advertising opportunities at lifeaudio.com/contact-us.

Episode 168 Chapter 28, Moog Analog Synthesizers, Part 1. Works Recommended from my book, Electronic and Experimental Music  Welcome to the Archive of Electronic Music. This is Thom Holmes. This podcast is produced as a companion to my book, Electronic and Experimental Music, published by Routledge. Each of these episodes corresponds to a chapter in the text and an associated list of recommended works, also called Listen in the text. They provide listening examples of vintage electronic works featured in the text. The works themselves can be enjoyed without the book and I hope that they stand as a chronological survey of important works in the history of electronic music. Be sure to tune-in to other episodes of the podcast where we explore a wide range of electronic music in many styles and genres, all drawn from my archive of vintage recordings. There is a complete playlist for this episode on the website for the podcast. Let's get started with the listening guide to Chapter 28, Moog Analog Synthesizers, Part 1 from my book Electronic and Experimental music.   Playlist: EARLY MOOG RECORDINGS (BEFORE 1970)   Time Track Time Start Introduction –Thom Holmes 01:32 00:00 1.     Emil Richards and the New Sound Element, “Sapphire (September)” from Stones (1967). Paul Beaver played Moog and Clavinet on this album by jazz-pop mallet player Richards, who also contributed some synthesizer sounds. 02:21 01:44 2.     Mort Garson, “Scorpio” (1967) from Zodiac Cosmic Sounds (1967). Mort Garson and Paul Beaver. Incorporated Moog sounds among it menagerie of instruments. Garson went on to produce many solo Moog projects. 02:53 04:04 3.     Hal Blaine, “Kaleidoscope (March)” from Psychedelic Percussion(1967). Hal Blaine and Paul Beaver. Beaver provided Moog and other electronic treatments for this jazzy percussion album by drummer Blaine. 02:20 06:58 4.     The Electric Flag, “Flash, Bam, Pow” from The Trip soundtrack (1967). Rock group The Electric Flag. Moog by Paul Beaver. 01:27 09:18 5.     The Byrds, “Space Odyssey” (1968) from The Notorious Byrd Brothers (1968).  Produced by Gary Usher who was acknowledged for having included the Moog on this rock album, with tracks such as, “Goin' Back” (played by Paul Beaver), “Natural Harmony,” and unreleased track “Moog Raga.” 03:47 10:48 6.     The Monkees, “Daily Nightly” from Pisces, Aquarius, Capricorn, and Jones Ltd. (1967). Moog effects provided by Micky Dolenz of the Monkees and Paul Beaver. 02:29 14:40 7.     Jean Jacques Perrey and Gershon Kingsley, “The Savers,” a single taken from Kaleidoscopic Vibrations (1967). The first Moog album by this duo known for their electro-pop songs. 01:48 17:08 8.     Wendy Carlos, “Chorale Prelude "Wachet Auf" from Switched-On Bach (1968). The most celebrated Moog album of all time and still the gold standard for Moog Modular performances. 03:34 18:54 9.     Mike Melvoin, “Born to be Wild” from The Plastic Cow Goes Moooooog (1969). Moog programming by Paul Beaver and Bernie Krause. 03:03 22:28 10.   Sagittarius, “Lend Me a Smile” from The Blue Marble (1969). This was a studio group headed by Gary Usher, producer of The Byrds, who used the Moog extensively on this rock album. 03:09 25:30 11.   The Zeet Band, “Moogie Woogie” from the album Moogie Woogie(1969). Electronic boogie and blues by an ensemble including Paul Beaver, Erwin Helfer, Mark Naftalin, “Fastfingers” Finkelstein, and Norman Dayron. 02:43 28:40   Additional opening, closing, and other incidental music by Thom Holmes. My Books/eBooks: Electronic and Experimental Music, sixth edition, Routledge 2020. Also, Sound Art: Concepts and Practices, first edition, Routledge 2022. See my companion blog that I write for the Bob Moog Foundation. For a transcript, please see my blog, Noise and Notations. Original music by Thom Holmes can be found on iTunes and Bandcamp.

JOIN THE Who CARES Club! Love Starcastic Remarks? Join our BRAND NEW membership club, The Who Cares Club! For $5/month, you get some exclusive perks and help the most sarcastic Stars podcast continue to grow and continue on! Click here to join! In true playoff fashion, Tyler Seguin scores before his bedtime, and Esa Lindell delivers an all-time clutch block in OT. The Dallas Stars now lead the series 2–1 — and they did it in dramatic, chaotic, and very Starcastic fashion. Inside the episode: Why Seguin's goal was vintage and vital Lindell's monster penalty kill performance Ottinger vs Blackwood: The sequel More ref rage: the pick play, soft calls, and why no one's happy Mason Marchment's penalty + redemption arc Landeskog returns... and the Stars ruin the party Miro Watch: Could #4 return in Game 4? Support Starcastic Remarks! Help us grow by leaving a 5-star review wherever you listen to podcasts—it makes a huge difference! Watch us on YouTube and follow us across social media for updates, highlights, and behind-the-scenes content: YouTube: @StarcasticR Twitter (X): @StarcasticR Discord: Join Here TikTok: @StarcasticR Instagram: @StarcasticR Facebook: @StarcasticR Visit our website here for more content!

April Fool's Day is all about jokes and pranks, but when it comes to retirement planning, getting fooled can cost you real money. Today, we're uncovering the beliefs that fool retirees and pre-retirees into making bad financial moves. Ryan unpacks the financial “pranks” people may fall for—from too-good-to-be-true returns to myths about Social Security, taxes, and healthcare in retirement. Here's what we cover in this episode:

In this episode of The Real ResQ Podcast, host Jason Quinn speaks with Shane Daw, the general manager of Westpac Life Saver Rescue Helicopter Service in Sydney, Australia.Daw takes us through his incredible journey, starting as a junior lifeguard and rising  up to lead one of the busiest and most respected helicopter rescue services in the country. He reflects on more than two decades of service, recounting some of the most memorable and intense rescues he's been part of—beginning with his very first callout at 13 years old, responding to two swimmers swept away by a rip current.The conversation is filled with gripping rescue stories, from ocean incidents to complex land-based missions. Daw also highlights the heroic actions of the team he works alongside, sharing incredible moments that showcase the courage, commitment, and coordination involved in every life-saving mission.Beyond the rescues, Daw opens up about leadership, resilience, and the personal values that have shaped his career. He leaves us with heartfelt advice on chasing your dreams, staying passionate, and making a difference in your community. Enjoy!This episode is powered by Vertical HeliCASTS.Thank you for sponsoring this episode of The Real ResQ: Metro Aviation, PAG, Switlik, ReadyBAR, and The Real ResQ Store.Follow The Real ResQ on Facebook and Instagram and listen on Vertical HeliCASTS. Plus, get your podcast gear at therealresqstore.com.

Full best buys – and everything you ever wanted to know about cash ISAs but were afraid to ask. With the realistic prospect of the cash ISA limit being reduced in the near future, Martin explains what to do right now to get the most out of your savings. Get in touch… email martinlewispodcast@bbc.co.uk

If you've ever made a quick purchase that didn't quite align with your financial goals, you're not alone. It happens to the best of us! In this episode, Danielle Hayden, CPA and founder of Kickstart Accounting, Inc., tackles the challenge of impulse spending as an entrepreneur with a practical approach that's meant to empower you, not make you feel guilty.  Whether you're a free spender, saver, perfectionist, or balance seeker, this episode is filled with strategies you can use to stay in control of your money, help curb those impulse purchases, and make smarter financial decisions that align with your goals, personality, and core values.  Key Takeaways:  Know Your Money Personality: Understanding whether you're a Free Spender, Saver, Perfectionist, or Balance Seeker can help you become more mindful of your financial habits and tailor your strategies accordingly. Step 1 - Budgeting as a Planning Tool: A budget isn't about restriction, it's your business's roadmap. Setting aside time to plan expenses helps you make smarter, more intentional decisions. Step 2 - Use the 48-Hour Rule: Delaying purchases by just two days can dramatically reduce impulse spending and give you space to assess alignment with your budget and goals. Step 3 - Don't Decide Based on Price Alone: The cheapest option isn't always the best fit. Consider alignment with your values, quality of service, and long-term ROI when choosing vendors. Step 4 - Review Existing Vendors First: Before jumping ship, explore whether your current tools or service providers can meet your evolving needs. Feedback and a simple conversation could reveal untapped value. Step 5 - Plan for Impulse Spending: Set aside an “allowance” in your budget for unplanned yet exciting opportunities. This helps you stay flexible without blowing up your financial goals. Step 6 - Avoid Last-Minute Decisions: Waiting until the final hour leads to rushed (and usually regrettable) choices. Plan ahead for renewals, tax time, and big expenses. Step 7 - Review Financials Monthly: Regularly reviewing your KSA Snapshot and financials keeps you grounded in reality, reveals patterns, and helps you make better decisions month over month. Bonus - Involve Your Money Team: Share your goals with your financial team so they can hold you accountable, offer insights, and help course-correct when needed. Topics Discussed: How Your Money Personality Type Affects Your Spending (00:00:16 – 00:02:12) Why a Budget is Necessary to Help with Spending Freedom (00:02:12 – 00:03:02) Ways to Help Curb Impulse Buying (00:03:02 – 00:08:38) Planning for Unexpected Opportunities or “Allowance Budgeting” (00:08:38 – 00:09:58) Using Monthly Financial Reviews to Keep Your Spending Aligned with Your Goals (00:12:01 - 00:13:40)   Resources: Money Personality Quiz | kickstartaccountinginc.com/quiz    Book a Call with Kickstart Accounting, Inc.: https://www.kickstartaccountinginc.com/book    Connect with Kickstart Accounting, Inc.: Instagram | https://www.instagram.com/Kickstartaccounting YouTube | https://www.youtube.com/@businessbythebooks  Facebook | https://www.facebook.com/kickstartaccountinginc  

If you've ever made a quick purchase that didn't quite align with your financial goals, you're not alone. It happens to the best of us! In this episode, Danielle Hayden, CPA and founder of Kickstart Accounting, Inc., tackles the challenge of impulse spending as an entrepreneur with a practical approach that's meant to empower you, not make you feel guilty.  Whether you're a free spender, saver, perfectionist, or balance seeker, this episode is filled with strategies you can use to stay in control of your money, help curb those impulse purchases, and make smarter financial decisions that align with your goals, personality, and core values.  Key Takeaways:  Know Your Money Personality: Understanding whether you're a Free Spender, Saver, Perfectionist, or Balance Seeker can help you become more mindful of your financial habits and tailor your strategies accordingly. Step 1 - Budgeting as a Planning Tool: A budget isn't about restriction, it's your business's roadmap. Setting aside time to plan expenses helps you make smarter, more intentional decisions. Step 2 - Use the 48-Hour Rule: Delaying purchases by just two days can dramatically reduce impulse spending and give you space to assess alignment with your budget and goals. Step 3 - Don't Decide Based on Price Alone: The cheapest option isn't always the best fit. Consider alignment with your values, quality of service, and long-term ROI when choosing vendors. Step 4 - Review Existing Vendors First: Before jumping ship, explore whether your current tools or service providers can meet your evolving needs. Feedback and a simple conversation could reveal untapped value. Step 5 - Plan for Impulse Spending: Set aside an “allowance” in your budget for unplanned yet exciting opportunities. This helps you stay flexible without blowing up your financial goals. Step 6 - Avoid Last-Minute Decisions: Waiting until the final hour leads to rushed (and usually regrettable) choices. Plan ahead for renewals, tax time, and big expenses. Step 7 - Review Financials Monthly: Regularly reviewing your KSA Snapshot and financials keeps you grounded in reality, reveals patterns, and helps you make better decisions month over month. Bonus - Involve Your Money Team: Share your goals with your financial team so they can hold you accountable, offer insights, and help course-correct when needed. Topics Discussed: How Your Money Personality Type Affects Your Spending (00:00:16 – 00:02:12) Why a Budget is Necessary to Help with Spending Freedom (00:02:12 – 00:03:02) Ways to Help Curb Impulse Buying (00:03:02 – 00:08:38) Planning for Unexpected Opportunities or “Allowance Budgeting” (00:08:38 – 00:09:58) Using Monthly Financial Reviews to Keep Your Spending Aligned with Your Goals (00:12:01 - 00:13:40)   Resources: Money Personality Quiz | kickstartaccountinginc.com/quiz    Book a Call with Kickstart Accounting, Inc.: https://www.kickstartaccountinginc.com/book    Connect with Kickstart Accounting, Inc.: Instagram | https://www.instagram.com/Kickstartaccounting YouTube | https://www.youtube.com/@businessbythebooks  Facebook | https://www.facebook.com/kickstartaccountinginc  

Good job Austin! We are proud of you! 

Join  ⁨@danfinitygg⁩   ⁨@bonafidehiro⁩  &  ⁨@samikat⁩  as we chat with  ⁨@GuardiansMentalHealth⁩  about their work highlighting the benefits of mental health in the gaming space and their recent collaboration and fundraising campaign with  ⁨@Bungie⁩ ! Check out Guardians Mental Health!Website: https://guardiansmh.org/Bluesky: https://bsky.app/profile/guardiansmh.bsky.socialCampaign: https://tiltify.com/bungiefoundation/idea-campaigns?origin=dashboardListen to Destiny Digests:Spotify: https://open.spotify.com/show/51utOpaycri2x7WotgVlFXApple: https://podcasts.apple.com/us/podcast/destiny-digest/id1638939545On Bluesky? Follow our Guest Starter Pack: https://bsky.app/starter-pack/danfinity.gg/3lbrtal4y7c2rFollow Bona: https://bsky.app/profile/bonafidehiro.bsky.socialFollow Danfinity: https://danfinity.ggFollow EpicDan: https://linktr.ee/epicdan22Follow Eseipha: https://bsky.app/profile/eseipha.bsky.socialFollow Sami: https://linktr.ee/samikatplaysFollow Tiddly: https://bsky.app/profile/tiddly.bsky.social

Rick launches his new series on Internal Financial Systems™, revealing the key players within us that shape our money habits. By uncovering these internal voices—like the thrill-seeking Spender or security-driven Saver—you'll gain the insight needed to make meaningful behavioral changes and achieve true financial wellness. This journey of self-discovery can help you balance conflicting priorities, align your financial choices with your values, and unlock a healthier, more intentional relationship with money.A podcast that blends the nuts and bolts of financial advice with the emotions that drive making them.Rick Kahler, CFP®, CFT-I™, has helped people make better money decisions by integrating financial planning. He blends the nuts and bolts of financial advice with the emotions that drive making them and shares them on his financial therapy podcast.

In this episode of Think Like a Saver, we dive into the world of automatic savings and how it can help set you on the path to financial success. In this episode, you'll learn: How automatic savings works and why it's a game changer for your financial future. Sid's experience with automatica savings and why he recommends saving from your paycheck before you even see it. The real-world impact of workplace savings programs and how small contributions can add up to big results. How to get started with automatic savings, even if you feel like you don't have enough extra money to save. LINKS:  Take The America Saves Pledge Visit The America Saves Resource Center Saving Automatically Resources Submit Your Saver Story Here ------- Learn About the Sunny Day Fund Connect with Sid Pailla on LinkedIn Connect with Rachel Fox on LinkedIn

Divorce often uncovers hidden money patterns that impact both your relationship and divorce negotiations. In this episode, we explore how your money personality—whether you're a spender or a saver—shapes your marriage and divorce. We dive into the deeper financial motivations that may be influencing your decisions and offer strategies to break free from limiting beliefs around money. Divorce isn't just an ending; it's an opportunity to reshape your financial future. Learn how to use this time of transition to create clarity, confidence, and joy in your financial choices. You can emerge from divorce with a healthier relationship to money. Join financial therapist, money coach, and author Mikelann Valterra, with over 25 years of experience, as she shares insights from her book Rise Above the Money Fog. Mikelann offers grounded and compassionate wisdom to help you navigate financial anxiety, whether you're in a high-conflict divorce or rebuilding after separation. Connect with Mikelann: Take the Money Fog Quiz: https://seattle-money-coach.mykajabi.com/money-fog-quiz-ebook Website: https://www.seattlemoneycoach.com LinkedIn: https://www.linkedin.com/in/mikelannvalterra/ Facebook: https://www.facebook.com/MikelannSeattleMoneyCoach Instagram: https://www.instagram.com/mikelannv/ Resources Mentioned in this episode: Join the FREE April 16th Workshop: Overcoming Divorce Fear and Paralysis - https://www.jbddivorcesupport.com/overcoming-divorce-fear Follow JBD on Instagram: @journey_beyond_divorce A word from our sponsor: TalkingParents provides a comprehensive platform designed to simplify co-parenting and enhance communication between parents. With secure messaging, a shared calendar, and features for tracking parenting time, TalkingParents ensures that all important details and agreements are documented and accessible.  We're grateful for TalkingParents' support in simplifying co-parenting and enhancing communication for our listeners. Discover how TalkingParents can bring clarity and organization to your co-parenting journey at www.talkingparents.com/jbd

Your 60-second money minute. Today's topic: Nervous Savers Shifting 401k Investments

April Fool's Day is all about jokes and pranks, but when it comes to retirement planning, getting fooled can cost you real money. Today, we're unpacking five retirement myths that often trick retirees into making decisions based on fear or flawed assumptions. Here's what we discuss in this episode:

April Fool's Day is all about jokes and pranks, but when it comes to retirement planning, getting fooled can cost you real money. Today, we're uncovering the beliefs that fool retirees and pre-retirees into making bad financial moves.   Show Notes & Info: Schedule A Call With Scott: talkwithscott.net Tax-Free Toolkit: https://5p7b1gdm.pages.infusionsoft.net/

Discover why savers are concerned about outliving their income. Are you investing well for financial freedom...or not? Financial freedom is a combination of money, compounding and time (my McT Formula). How well you invest, makes a huge difference to your financial future and lifestyle. If you only knew where to invest for the long-term, what a difference it would make, because the difference between investing $100k and earning 5 percent or 10 percent on your money over 30 years, is the difference between it growing to $432,194 or $1,744,940, an increase of over $1.3 million dollars. Your compounding rate, and how well you invest, matters!  INTERESTED IN THE BE WEALTHY & SMART VIP EXPERIENCE? - Invest in stock ETFs, private equity and digital assets for potential high compounding rates - Asset allocation model with ticker symbols and % to invest -Monthly LIVE investment webinars with Linda, with Q & A -Private VIP Facebook group with daily interaction -Weekly investment commentary from Linda -Optional 1-on-1 tech team support for digital assets -Join, pay once, have lifetime access! NO recurring fees. -US and foreign investors, no minimum $ amount to invest For a limited time, enjoy a 50% savings on my private investing group, the Be Wealthy & Smart VIP Experience. Pay once and enjoy lifetime access without any additional cost. Enter "SAVE50" to save 50% here: http://tinyurl.com/InvestingVIP Or have a complimentary conversation to answer your questions. Request a free appointment to talk with Linda here: https://tinyurl.com/TalkWithLinda (yes, you talk to Linda!). WANT HELP AVOIDING IRS AUDITS? #Ad Stop worrying about IRS audits and get advance warning at Crypto Tax Audit, here. PLEASE REVIEW THE PODCAST ON ITUNES If you enjoyed this episode, please subscribe and leave a review. I love hearing from you! I so appreciate it! SUBSCRIBE TO BE WEALTHY & SMART Click Here to Subscribe Via iTunes Click Here to Subscribe Via Stitcher on an Android Device Click Here to Subscribe Via RSS Feed   PLEASE LEAVE A BOOK REVIEW FOR THE CRYPTO INVESTING BOOK Get my book, "3 Steps to Quantum Wealth: The Wealth Heiress' Guide to Financial Freedom by Investing in Cryptocurrencies". After you purchase the book, go here for your Crypto Book bonus: https://lindapjones.com/bookbonus PLEASE LEAVE A BOOK REVIEW FOR WEALTH BOOK Leave a book review on Amazon here. Get my book, “You're Already a Wealth Heiress, Now Think and Act Like One: 6 Practical Steps to Make It a Reality Now!” Men love it too! After all, you are Wealth Heirs. :) Available for purchase on Amazon. International buyers (if you live outside of the US) get my book here. WANT MORE FROM LINDA? Check out her programs. Join her on Instagram. WEALTH LIBRARY OF PODCASTS Listen to the full wealth library of podcasts from the beginning. Use the search bar in the upper right corner of the page to search topics. SPECIAL DEALS #Ad Protect yourself online with a Virtual Private Network (VPN). Get 3 MONTHS FREE when you sign up for a NORD VPN plan here.  #Ad To safely and securely store crypto, I recommend using a Tangem wallet. Get a 10% discount when you purchase here. #Ad If you are looking to simplify your crypto tax reporting, use Koinly. It is highly recommended and so easy for tax reporting. You can save $20, click here. Be Wealthy & Smart,™ is a personal finance show with self-made millionaire Linda P. Jones, America's Wealth Mentor.™ Learn simple steps that make a big difference to your financial freedom.  (Some links are affiliate links. There is no additional cost to you.)

Keith shares some historical perspective on inflation highlighting the cost of a Taco Bell meal in 1999 to its cost today. He also touches on the concept of service inflation, where services like mail delivery and self-checkout at grocery stores have become less convenient but not cheaper. Keith reviews the historical performance of real estate during the last eight recessions, noting that housing prices usually rise during recessions. He explains the concept of the Inflation Triple Crown: asset price inflation, debt debasement, and cash flow enhancement. Housing prices usually rise during recessions, as demonstrated by historical data. Resources: To learn more about the Inflation Triple Crown go to: getricheducation.com/itc. Show Notes: GetRichEducation.com/547 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching:GREmarketplace.com/Coach Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  You get paid first: Text FAMILY to 66866 Will you please leave a review for the show? I'd be grateful. Search “how to leave an Apple Podcasts review”  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— text ‘GRE' to 66866 Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Automatically Transcribed With Otter.ai    Keith Weinhold  0:01   Welcome to GRE. I'm your host. Keith Weinhold, is higher inflation or even hyper inflation now in our future, and is an imminent recession, or even worse, a depression lurking. What's it all mean for your investments and your real estate? We'll investigate exactly what happens to real estate during recessions, historically today, on get rich education,   since 2014 the powerful get rich education podcast has created more passive income for people than nearly any other show in the world. This show teaches you how to earn strong returns from passive real estate investing in the best markets without losing your time being a flipper or landlord. Show Host Keith Weinhold rights for both Forbes and Rich Dad advisors and delivers a new show every week since 2014 there's been millions of listener downloads of 188 world nations. He has a list show guests and key top selling personal finance author Robert Kiyosaki, get rich education can be heard on every podcast platform, plus it has its own dedicated Apple and Android listener phone apps build wealth on the go with get rich education podcast. Sign up now for the get rich education podcast or visit get rich education.com   Corey Coates  1:19   You're listening to the show that has created more financial freedom than nearly any show in the world. This is get rich education.   Keith Weinhold  1:35   Welcome to GRE from Hartsdale, New York to Springdale, Utah and across 488 nations worldwide. I'm Keith Weinhold. I think you know that by now, you are inside one of America's longest running and most listened to real estate investing shows. This is get rich education. Most people have two plans. Plan a get rich. If that doesn't work out, the alternative is Plan B, which is hate rich people.   We are firmly rooted in plan a for you here. So yes, we're about building your wealth, but ultimately we are a lifestyle improvement show. I'm going to get to high inflation and the potential for a recession or depression in just a minute. But I recently got a reminder on the fragility of life and its finite nature. My oldest friend recently died. He was almost like a mentor to me, a friend of mine's grandmother recently died, shattering her world, and it's a reminder that you won't be remembered for the money that you make. You won't even be remembered the real estate portfolio that you build. I mean, that surely won't last. The tennis that you serve, they'll die as well. I will be forgotten. This show will be forgotten. The people that love you, their opinions will die with them. Your Haters, their opinions will die with them. You can confirm that this is true right now by naming your eight great grandparents for me, there. Go ahead. You can't do it. I can't either. So what can you do, at least in this finite life that you have on earth? What you can do is enjoy your existence. The good news is, because you can control this, you can control enjoying your life and existence as get rich education is ultimately a lifestyle improvement show, and we are squarely helping you do that right here. And one way that I've done that over the years is by pointing out how inflation is actually advantageous to real estate investors. Well, it impoverishes most people. You're initiated on that by now. That's something that you really found out tangibly back during the pandemic. Now today, though, wow, people are frightened. I've got some contemporaneous material to share with you today, but I'll give you some lessons so that even if you're listening to this 10 years from now, you're going to learn some lessons. Americans inflation expectations for the next five years. They just hit the highest level since 1993 Yeah, expecting a lot of inflation, tariff pressures are a huge concern now. Last week, inside our newsletter, I sent you something that gave you some perspective on inflation. I sent you a photo of a Taco Bell receipt from 1999that might have left your mouth agape if you didn't see it. I'll tell you about it here and expand on this. And yes, it could leave you aghast, stupefied, gobsmacked, or even flabbergasted. In a sense, 1999 was not that long ago. It's sure not like ancient history. I mean, I was alive then, yes, I am here, and I'm from the 1900s. Well, this 1999 Taco Bell receipt that someone found perfectly preserved in the pages of a book. It shows a complete meal that was purchased for $3.50 it was actually just $3.26 and then the rest was tax added in. That's 350 for a chili cheese burrito, a taco nachos and a 16 ounce Pepsi. That's not the price for each item. That is the combined total from 1999 All right, how much do you think those same items would cost today? I don't eat there. I went to the Taco Bell website and found out. I mean, what an inflation measuring stick. This is what cost, 350 A Taco Bell in 1999 costs $11.44 today I use the same sales tax rate to come up with that. So today it's 1144 and today they also ask you a question a Taco Bell, if you want to round up for the kids or something like that, and then just watch, pretty soon, they're gonna request a tip too. That's a 327% price increase, and few people's wages have risen that much since 1999See, I told you that you would be left slack job and flabbergasted. All right, so let's look at where we are today. Now it's not an apples to apples comparison, but you know, Taco Bell is a fast food restaurant. Let's look at the price of a consumer item at a sports stadium today. All right, because both are places that everyday Americans frequent college basketball's March Madness tournaments have been taking place the last few weeks. Well, for the first time ever, the SEC is selling beer at its tournament. The price for one large premium draft beer is $17.50 so before tax or tip, 1750 for one beer all in that might be $20 or more, and I doubt that the beer is really that premium. I mean, you know what kind of beer you get at stadiums. So we look at inflation, one beer today is at least five times the cost of a complete Taco Bell meal in 1999   that's price inflation, and that's the stuff that's highly perceptible. Okay, you've been seeing that effect all of your life. It's making most people poorer. It's making real estate investors wealthier. And then there's the inflation that few people consider the less perceptible stuff, service inflation. And what are some examples of service inflation growing up the postal service delivered mail right to my parents porch, and they still do deliver mail right to my parents porch. Their neighborhood was built more than 100 years ago, but look, when new neighborhoods are built today, like places I've lived and perhaps where you live now, the postal service doesn't deliver your mail right to the individual mailbox on your porch. Today, you've got to walk both ways to your neighborhood's mailbox cluster. Some people even have to drive to get their mail. So your mail is no longer being delivered. Really, you have to go pick it up. Well, they don't lower the price for that reduced service level. That's service inflation. A second example is more obvious, grocery self checkout. You're taking the time and doing the work of scanning your groceries, but yet, they sure aren't lowering the prices of your lettuce and your beef jerky. And look service, inflation is here to stay. That is because companies make investments in it. The Postal Service bought those mailbox clusters, the supermarket bought those self checkout kiosks.    All right, so with this ramp and price inflation and service inflation, along with it, and the other forms of inflation that I've talked about on the show before, like stagflation, tip inflation and Shrink flation and skimpflation. What is an individual investor like you supposed to do? Well, stock and mutual fund investors get killed by inflation. I mean, think about it this way, just killed if the Sp5, 100 gains 10% but there's 5% inflation. That's a 50% hidden tax on your gain, plus you might pay capital gains tax. On top of that, savers really get obliterated. I mean, just destroyed if your bond yield or your savings account pays 4% interest, and there's 5% inflation. That is a 125% hidden tax on your gain, and then you might pay regular tax on top of that. So stocks and mutual funds and savings accounts are not the answer. What is the answer? Real Estate and borrowing the opposite of saving. And let me address now, whenever people get fearful that another wave of inflation is coming, whether that's tariff induced or otherwise, let's not get carried away and think that Hyperinflation is right around the corner, although definitions of hyperinflation vary, the most accepted one by economists is a 50% inflation rate per month, not annually, per month. So that would be over 600% a year, with compounding. I mean, that would be really hard to get, but what we do know is that inflation is still elevated above the Fed's 2% target. It's 2.8% today. And what we do know is that more inflation is coming at what rate nobody knows. These facts almost necessitate that you have either got to start your own business, which is tough, or become a real estate investor which is easier, in order to escape this and acquire some lasting wealth. Any devoted listener here knows that the formula for beating it is luckily, not highly sophisticated, not esoteric, not anything that you need a degree or certification for, just own income properties with loans, and that's when inflation produces three profit centers. As we know that is something that I coined as the inflation triple crown. So if you're new, you're learning something. If you've been around here for a while, here's a little comprehension test for you. What are the three crowns in the inflation Triple Crown, you win with asset price inflation, debt debasement and cash flow enhancement. Asset price inflation benefits you because you have leverage gains debt debasement passively lightens our debt burden for us, and then cash flow enhancement, that boosts our cash flow above the inflation rate, because our principal and interest payment stays fixed. And you can learn more about that totally free. You don't even have to leave your email address or anything. You can watch the three videos of the inflation Triple Crown at get rich education.com/itc. For inflation, Triple Crown, it's just good free learning for you there I've made available at get rich education.com/itc, it is a foundational financial education. Is a recession or even a depression eminent, that's straight ahead. I'm Keith Weinhold. You're listening to get rich education.   You know what's crazy? Your bank is getting rich off of you, the average savings account pays less than 1% it's like laughable. Meanwhile, if your money isn't making at least 4% you're losing to inflation. That's why I started putting my own money into the FFI liquidity fund. It's super simple. Your cash can pull in up to 8% returns, and it compounds. It's not some high risk gamble like digital or AI stock trading. It's pretty low risk because they've got a 10 plus year track record of paying investors on time in full every time. I mean, I wouldn't be talking about it if I wasn't invested myself. You can invest as little as 25k and you keep earning until you decide you want your money back. No weird lockups or anything like that. So if you're like me and tired of your liquid funds just sitting there doing nothing, check it out. Text family to 66866, to learn about freedom. Family investments. Liquidity fund again. Text family, to 66866   hey, you can get your mortgage loans at the same place where I get mine at Ridge lending group NMLS, 42056, they provided our listeners with more loans than any provider in the entire nation because they specialize in income properties, they help you build a long term plan for growing your real estate empire with leverage. You can start your pre qualification and chat with President Chaley Ridge personally. Start Now while it's on your mind at Ridge lendinggroup.com that's Ridge lendinggroup.com   you   Dani-Lynn Robison  15:45   This is freedom. Family investments. Co founder, Danny Lynn Robinson, listen to get rich education with Keith Weinhold, and don't quit your Daydream.   Keith Weinhold  16:00   Welcome back to get rich Education. I'm your host. Keith Wynne Holland, you are inside episode 547. I'll tell you, being a landlord or real estate investor can really change you now. I was using the stair climber at the gym just before talking to you today, I like to set up a big fan down on the floor to keep me cool before running or climbing. Plug it in, set up a fan. When I'm done, I turn off the fan. It's just a habit. I don't pay the electricity bill at my gym, but it's just the way that I would want to be treated. But you know what? When I find a fan that's already set up before I grab it and start on the treadmill. That fan is always running when no one is using it. No one turns off their fans when they don't have to pay for the electricity. And this reminds me of when I owned apartment buildings in Anchorage, Alaska, and tenants kept their windows open, even during the frigid winter, so that they could get fresh air. Yeah, you can guess who was paying the heating bill. It wasn't the tenant. It was me. The larger the apartment building is, the more likely that the owner is the one that pays for more of the utilities. And of course, in that case, you can look into utility sub metering. That process can be costly, but it might be worth it. It can increase your cash flow and your net operating income, which, when it increases your net operating income, that means that it also increases the apartment buildings value. And you know, in real estate today, you've got to look for where the opportunities are. There are opportunities in every market today. For places where there are specifically good opportunities are apartment buildings where their values have fallen 20 to 30% in some markets, it's wise to invest in beaten down sectors that you just know are going to come back like you know, the demand for apartment buildings is going to be there long term. This doesn't mean that you want to invest in any beaten down sector, like Office real estate in general. I don't see how that's coming back. A second strong real estate opportunity today is to find over built pockets, especially ones that exist in Texas and Florida. I mean, this is why they call them buyers markets. A Texas or Florida seller might make you a deal, and that doesn't mean everywhere in these states. For example, Southwest Florida is one area that's specifically over built, even amidst the national landscape that's under built. A third and a fourth area of specific real estate opportunity today are two that I have mentioned before, but they persist. That is still brand new, properties where many builders are still motivated to buy down your mortgage rate to about 5% even 4.75% in some cases, and new builds have low insurance premiums too. And then a fourth opportunity. That's something that we've covered a good bit here these past few weeks. BRRRR, real estate investing, buy, rehab, rent, refinance and repeat. That's a specifically good strategy if you don't have, say, hundreds of 1000s of dollars in liquidity to invest. Now you might ask, do those four strategies have validity? Do they have cogency in today's market, where there are these fears of an economic slowdown. Oh, yes, they do, or I would not have gone over them, but these palpable recession Fears are growing, and some are even asking, is a new Great Depression eminent? There is tons of bad economic news right now, not just in the US, but the global economy is on the edge, starting earlier this month, stock market tremors have turned into full blown convulsions. Trillions of dollars in wealth have just vaporized, wiped out. Investors are rattled, consumers are anxious. Business owners are confused, and those in power in the administration, they insist that tariffs and policy swings are all just part of a transition period, but a transition to what some have even asked, Is the everything bubble finally about to pop. Is this the brink of a recession or something even deeper, a D pressure? Well, one thing is undeniable, from stocks to crypto asset prices recently made a free fall, and I've got some long term lessons for you today, even if you're listening to this years from now, including what a phenomenon like this historically means for the real estate market, it's about what really happens to property values during an economic recession. Stocks recently had their worst week since 2023 barreling toward an all out bear market crash. A bear market means when 20% of the value has been lost from a recent high. Even Bitcoin, the poster child of speculative excess, has cratered. The carnage has been everywhere. But yet, instead of taking steps to prevent an economic meltdown, the administration in power, whether you like them or not, they have introduced more and more radical policies that could accelerate the crisis. Now, some of the tariffs could help long term, but the short term pain is perceptible, and you've got to be able to survive it. We've got new tariffs on multiple countries, and these are our biggest trading partners, even if these import taxes diminish, this is already strained friendships long term, especially with Canada. These countries keep retaliating with tariffs of their own, Canada, Mexico, China and the EU government spending is being slashed. Mass layoffs of federal employees have been underway for a while now. This is not just an economic experiment. I mean, this is a high stakes gamble with global consequences. So is this a detox period, or is it an economic freefall? Treasury Secretary Scott tebescent described this economic shift as a necessary detox period. That's the phrase that he used, and yes, I need to acknowledge there is no more grandma Yellen running the Treasury for long time, listeners, that is a reference to the long running joke about how my late grandmother resembled former Fed chief and former Treasury Secretary, Janet Yellen, but anyway, according to Besant, the US must break free from what he calls its addiction to government spending in return to private sector growth. Now, hey to me, that sounds good. Actually, that sounds like a good plan for the long term. But here's the problem, that addiction has been the lifeblood of the US economy for decades. And you know, this is something that regular GRE guest macroeconomist Richard Duncan has talked about when he's here. Remember what he's told us for over a decade here on the show, if the US doesn't have 2% real credit growth, credit expansion, well then we go into a recession. Well, what happens when the government cuts spending during soaring consumer prices due to trade wars? What happens when businesses hesitate to invest in the face of extreme uncertainty? Well, the bad news is that tariff whiplash and massive layoffs mean that businesses can't plan, and when businesses can't plan, they freeze. Look, just the other day, I talked to the President of a manufacturing company they make stainless steel tube valves and fittings. Due to all the tariff uncertainty, he's had to set up a reserve account based on what happens next, all right. Well, with that reserve account, that means that that's not money that's going into equipment reinvestment, that's not money that's going into making new hires. What happens when more confidence shatters and markets spiral lower? We may be about to find out. So has the recession, which is a precursor to any depression, already begun? Well, the warning signs are multiplying. Most ominously at last check, the respected Atlanta Fed tracker is now forecasting a more than 2% contraction in US GDP this quarter. That is quite a drawdown and two negative GDP quarters in a row. I mean, that is the definition of what a technical recession is. And here's a quick history piece for you in 1930 to try to quell the effects of the Great Depression, tariffs were passed. Alright. Do you know how badly that turned out back then in 1930 it was called the Smoot Holly Tariff Act. It raised tariffs to try to collect more revenue for the government. It didn't work, and the US sunk deeper into the Great Depression, with rampant unemployment and poverty and social unrest. There was a rise in crime, there were bank failures, even hunger and malnutrition. That's what a depression looks like, right there. Well, back to today. Right now, consumer confidence is collapsing. Retail Sales are plunging. The bond market is signaling distress, and yet those in power appear kind of oblivious to the magnitude of the risk. So what if it's not a transition and it is a start of something far worse? And see, this is just part of what's made investors raise their bets on a recession. Stocks are down like a global trade war has begun. Crypto has fallen like risk appetite has collapsed. Bond prices are rising like inflation is declining, and experts have priced in a 52% chance of a recession in the next 12 months. Okay, 52 that's like flipping a coin and just hoping that it lands on good news. Now in the real estate world, when we talk about direct threats from tariffs, as I've touched on before, the biggest direct threats are tariffs on lumber and on gypsum board. The lumber is used in house framing and trusses. Gypsum board, that just means drywall, the base case for tariffs on Canadian lumber alone, that adds about $10,000 to the cost of a new build typical single family home, which in turn jacks up all existing housing prices and their replacement cost. But let's look beyond that now at market factors. How is real estate adversely affected if the economy slows? Though historically. Let's look at how recessions really affect housing prices, and this is, again, as I like to say, where we take history over hunches. It's easy to have a hunch about what you think is going to happen, but let's look at what has really happened. How do real estate prices perform during recessions. When we look at the last eight recessions, okay? And the most current of those was in 2020, and then when we go back eight recessions ago, that is the 1960s Okay. Well, let me move along in chronological order here, during those eight recessions, starting in the 1960s leading up to today, housing prices, and this includes single family homes up to multifamily apartment buildings, they were just rounding to the nearest whole number here, up 5% there in The late 60s, in that recession, and then up 18% up 14% in the next recession, and then no change, down 1% and then up 6% and then down 13% that was during the 18 month recession, around 2008 and then finally, home prices were up 8% in the latest recession, alright. So in our total of eight recessions since the 1960s home prices only fell significantly one time, and they usually rise that one timethey fell. Let's explore that. That was during the 2008 global financial crisis, which involved more than just the recession. It was a deep recession, that's why it's called the Great Recession, but it also involved more than that. 2008 was special because that was a time of housing oversupply and low homeowner equity positions and a complete mortgage meltdown backed by flimsy liar loans. Well today we are in the opposite of all three of those conditions. We have a housing under supply. Americans have a record 300k plus in protective equity that they are not going to walk away from. And more.   Underwriting is stringent, the opposite of a liar loan. So housing prices usually rise in recessions, and if we're teetering on the brink of a recession, there are a lot of reasons to think that housing prices will go up yet again. And by the way, I felt what was happening back in 2008 I invested through it. I think I let you know before that, that's when I owned two four Plex buildings, 2008 but it didn't feel that bad to me, because my properties were temporarily suppressed in value, and that part didn't feel good, but my rents and rental demand went up because no banks would give loans to borrowers to buy properties, so I wouldn't want to sell when the buildings were paying me a higher than ever monthly income. But let's not lose the greater point what I'm telling you here that housing only fell significantly one time through the last eight recessions. That demonstrates the resilience of the housing market. And by the way, those stats were sourced by the NAR and the NB er National Bureau of Economic Research. All right, so why is this? Why is housing resilient in the face of a recession? There are a few reasons, but a main one is see, even if and when times get tough, people still need a place to live, and they will pay for it, especially now, when they have record equity, people are motivated to make mortgage payments and make rent payments, or else they are going to be homeless. So tough times when consumers they get less likely to pay for their car loan are less likely to pay for student loans, and when they default on credit card payments, that's when this stuff happens, but people will fight like heck to avoid losing their home. I mean, people will pay for food, shelter and safety. And also, when it comes to recessions, let's not forget how many bad just God, awful, wrong recession calls there were from over the past two to three years. I mean, the so called experts were wrong, wrong, wrong. Today, the economy is actually starting from a good place. And what do I mean here today, consumers still have money to spend, and they probably will. This is huge, because consumer spending is 70% of the economy, but how will they respond when these higher tariff induced prices hit more shelves at Walmart and Target? We'll see unemployment is still so low that it's practically down there doing squats. But you know these numbers, they're always backward looking, so it does only aim to get worse. The labor market is firm. Interest rates have been pretty steady. They've fallen a little. Energy prices are still down. So really, the bottom line with what I've shown you so far is that federal policies have induced economic trauma, and it does increase the chance of recession over the next 12 months. During recessions, housing is a top performer, and interest rates usually fall as well, and specifically interest rates of all types, including the Fed funds rate, mortgage rates, pretty much every interest rate type, they tend to fall in the mid and late stages of a recession. So this is what you can expect based on history, not hunches. But as for a depression, that is super unlikely. We haven't had one in 90 years, and today. I mean, come on, we have seen what the powers that be do. We can see how they respond to crises. They will just print and print and print more dollars to help pave over any problem. And that's not responsible long term, and it creates more inflation, but that's exactly what the government did to pull us out of the Great Recession and to pull us out of the COVID slowdown. We'll review what you've learned today in just a minute, but let me tell you, though you may very well have the majority of your capital smartly invested in real estate, since that's where the long term wealth creation is, those funds are not very liquid. So what about your liquid funds? Like I pointed out early in the show today, amidst higher inflation expectations, inflation really destroys those in the stock market, and it absolutely crushes savers. Savers really get destroyed, because if your bond yield or your savings account pays you 4% interest, and there's 5% inflation, that is a 125% hidden tax on your gain. And if that's the. Damaging enough there might be tax that you have to pay on that gain, which is not really a gain. This whole thing was a big loss.   So for some people, including me, what I do is become a lend. Lord, yes, I get a higher yield by lending to others a lend. Lord. I mean, why settle for just a, say, four and a half percent yield on your liquid funds? I mean, that's the level at both the 10 year bond and the savings account yield today, about four and a half percent. I've parked my own liquid funds for a steady 8% yield that I've been getting for years with a long time established real estate company. I make the loan to them, they have paid on time, every time, for that steady 8% return. And see, when you understand that directly investing in real estate pays five ways, and that a 20 to 30% total ROI, therefore is common and even expected. You can understand how they can pay you and me an 8% return on your liquid funds. You can see where the arbitrage is. Just a little insider tip here. It's called Freedom family investments. If you want to learn more, text family to 66 866. Their minimums are pretty low to 25k and you don't have to be accredited. So for steady 8% returns from the same place in the same vehicle where I've been getting my 8% you can just do it right now. What's on your mind? Text the word family to 66866.    Let's review what you've learned today, Americans have higher long term inflation expectations than they've had since 1993 a 1999 Taco Bell receipt really brings to light how much inflation you have experienced in your life. Though, higher inflation can come. Hyper inflation is unlikely. Let's not get carried away. The prospects for a recession are 52% in the next 12 months, per a plurality of experts, but a depression is really unlikely. Now you know how real estate performs in recessions and why it holds up so well it even tends to appreciate coming up here on the show are some prominent guests, including the leader of rezzy club. You might know about them. Sometimes I share their great charts in our newsletter. Yes, rezzy Club's Lance Lambert will be with us. Also, Legacy finance expert Laurel Langemeier will be here with us on another upcoming episode. Thanks for being here, but you weren't here for me. You were here for you. I'm Keith Weinhold. Don't quit your Daydream.   Dolf Deroos  37:53   Nothing on this show should be considered specific, personal or professional advice. Please consult an appropriate tax, legal, real estate, financial or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of get rich Education LLC exclusively.   Keith Weinhold  38:16   You know, whenever you want the best written real estate and finance info. Oh, geez, today's experience limits your free articles access, and it's got paywalls and pop ups and push notifications and cookies disclaimers. It's not so great. So then it's vital to place nice, clean, free content into your hands that adds no hype value to your life. That's why this is the golden age of quality newsletters. And I write every word of ours myself. It's got a dash of humor, and it's to the point because even the word abbreviation is too long, my letter usually takes less than three minutes to read. And when you start the letter, you also get my one hour fast real estate video. Course, it's all completely free. It's called the Don't quit your Daydream letter. It wires your mind for wealth, and it couldn't be easier for you to get it right now. Just text. GRE to 6866 while it's on your mind, take a moment to do it right now. Text, GRE to 6866   The preceding program was brought to you by your home for wealth, building, get rich, education.com.    

Tune in to The Kim Jacobs Show on Monday, March 31st, at 11 AM EST!Join me as I welcome Barb Scala, Holistic Business & Transformation Coach, attorney, entrepreneur, and co-author of Sanity Savers: Tips for Women to Live a Balanced Life. This book has been featured on NBC's Today Show. Barb has spent over 20 years empowering professional women to embrace their value, create their next chapter, and live balanced, fulfilled lives.Don't miss this powerful conversation on transformation, balance, and blooming into your best self!Tune in LIVE and invite your friends to join the conversation!  Https://youtube.com/kimjacobsshowSupport The Kim Jacobs Show - A Woman owned Business: PayPal.me/kimjacobsinc or Zelle or Apple Cash: 704-962-7161 or Venmo @ThekimjacobsshowBecome a supporter of this podcast: https://www.spreaker.com/podcast/the-kim-jacobs-show--2878190/support.

We officially know the WrestleMania Main Event...BUT WHAT IS THE FAVOR?! Does Punk being in the Main Event feel less special since he lost two matches that would've earned it? Naomi cut ONE HELL of a promo! With Jade & Charlotte's stare down, could both women be looking at World Championships after Mania? Can International crowds teach us their chants and songs because we don't want them to end! All this and more on and all new episode of The Heel Marks!Become a supporter of this podcast: https://www.spreaker.com/podcast/heel-marks-a-wrestling-podcast--1940894/support.

April Fool's Day is all about jokes and pranks, but when it comes to retirement planning, getting fooled can cost you real money. Today, we're uncovering the beliefs that fool retirees and pre-retirees into making bad financial moves.   Contact: Great Lakes Retirement Website: http://www.greatlakesretirementsolutions.com/ Call: 989-401-2949

April Fool's Day is all about jokes and pranks, but when it comes to retirement planning, getting fooled can cost you real money. Today, we're uncovering the beliefs that fool retirees and pre-retirees into making bad financial moves. We'll cover some of the most common myths that can derail your retirement plans and explain why they might not be as true as they seem. Here are some of the common beliefs we discuss on today's show: “Guaranteed” high returns are easily attained You better claim Social Security ASAP before it runs out Underestimating the “tax time bomb” The 4% rule makes retirement planning easy Assuming that your children will “just take care of you”   For more, visit us online: http://thefinancialanswer.com 

CAOIMHÍN KELLEHER: STRIKER TO SAVER From firing shots at the goalkeeper to becoming one of the best between the posts, Kelleher's journey is nothing short of remarkable. Now a keeper for one of the biggest clubs on the planet, this is the story of Caoimhín Kelleher. Learn more about your ad choices. Visit podcastchoices.com/adchoices

An Australian man has become the first person in the world to leave hospital with a total artificial heart implant. The patient lived with the device for more than 100 days before receiving a donor heart transplant earlier this month - ชายชาวออสเตรเลียคนแรกในโลกที่ได้รับการปลูกถ่ายหัวใจเทียมทั้งดวง และเขาสามารถใช้ชีวิตด้วยหัวใจเทียมได้นาน 100 วัน ระหว่างรอการปลูกถ่ายหัวใจจากผู้บริจาคในภายหลัง

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 2521: Getting through the day with toddlers can feel like a marathon, but Shawna Scafe shares her top sanity-saving strategies to make motherhood a little smoother. From the power of morning outings and meal planning to embracing TV time and crafting as a distraction, her practical tips help moms find balance without striving for perfection. With humor and real-life experience, she reminds us that parenting isn't about getting everything right, it's about making it through the day with a little grace (and maybe some red lipstick). Read along with the original article(s) here: https://simpleonpurpose.ca/mom-sanity-savers/ Quotes to ponder: "Getting out every morning has been the biggest sanity saver for everyone. Even if it is just a walk, or a drive to the park, or heading to my besties for tea - we have to leave the house." "Anything is something when you present it with enthusiasm." "Having a plan helps me go from being in a reactive mode to being in proactive mode. Way more chill." Learn more about your ad choices. Visit megaphone.fm/adchoices

An Australian man has become the first person in the world to leave hospital with a total artificial heart implant. The patient lived with the device for more than 100 days before receiving a donor heart transplant earlier this month

This week Anthony and Cameron break down the five levels of the Infinite Banking Concept (IBC). They provide a comprehensive overview, exploring each level's characteristics, mindset, and typical uses. From a skeptical saver to an all-in experienced investor, listeners will gain clarity on where they currently stand in their IBC journey and how to progress to achieve their desired lifestyle. 3 Key Lessons: Differentiating the Levels: Anthony and Cameron outline the five levels of IBC: Saver, Banker, Beginning Investor, Experienced Investor, and All In. They focus on distinguishing factors like mindset and the percentage of income devoted to premiums, offering listeners a clear understanding of each stage. The Transition from Passive to Active Use: The hosts emphasize the shift from using policies as a savings tool to leveraging them for investments. As you move from a banker mindset to that of an investor, you'll begin using loans to acquire assets that generate passive income, allowing the invested assets to repay policy loans instead of personal finances.  The Importance of Community and Education: Cameron highlights the significance of surrounding oneself with a like-minded community and continuing education to successfully transition between levels. Engaging with experienced investors, staying informed, and remaining open to new strategies can greatly enhance one's journey in the Infinite Banking Concept. Tune in to learn how you can make strategic financial decisions through infinite banking and live the life you've envisioned.    Resources: Join the Infinite Wealth Study Group: https://www.facebook.com/share/g/qC3sAWg6PhHYpRAs/  Schedule your Discovery Call with Anthony or Cameron here http://bit.ly/iwc15YT Check our online course at www.InfiniteWealthCourse.com Buy Becoming Your Own Banker by R. Nelson Nash http://bit.ly/BYOBbookIWC We use affiliate links. If you decide to buy something, we may receive compensation from those companies

You're in for a real treat today because this is a powerful episode with inspirational success stories from two (2) Miracle Morning practitioners. Holly Bertone and Karen Stringer are two incredible women who have used The Miracle Morning to overcome tremendous challenges, achieve their biggest goals, and create lives they once thought were impossible. Karen grew up in a rural village in Kenya, where money was scarce, and higher education seemed out of reach. But through unwavering faith and determination, she not only earned her PhD but also built a successful business as a language coach, entrepreneur and founder of KWS Language Services. Holly's story is equally powerful. As a former FBI Chief of Staff for Counterintelligence, she pivoted to a career as a Certified Holistic Health Coach after battling breast cancer and an autoimmune disease. And if that wasn't enough, while going through a difficult divorce, The Miracle Morning became her anchor, helping her rebuild her confidence, business, and life. In this conversation, you'll hear how they applied The Miracle Morning principles to unlock new opportunities, shift their mindset, and achieve goals they could only dream about. Whether you're struggling to stay consistent or looking for proof this daily morning routine can genuinely change your life, this episode will inspire you to take action today. KEY TAKEAWAYS Karen's transformation from a Kenyan farm girl to an entrepreneur with a PhD How Holly used The Miracle Morning to navigate a career change, battle cancer and manage a difficult divorce Why The Miracle Morning is about more than just waking up early—it's about becoming your best self. The power of adapting the SAVERS routine to your unique lifestyle and circumstances. How small, consistent actions compound into life-changing results. How The Miracle Morning can be the foundation for weight loss, financial success, and emotional resilience. Get The Full Show Notes To get full access to today's show notes, including audio, transcript, and links to all the resources mentioned, visit MiracleMorning.com/576 Subscribe, Rate & Review I would love if you could subscribe to the podcast and leave an honest rating & review. This will encourage other people to listen and allow us to grow as a community. The bigger we get as a community, the bigger the impact we can have on the world. To subscribe, rate, and review the podcast on iTunes, visit HalElrod.com/iTunes. Connect with Hal Elrod Facebook Twitter Instagram YouTube   Copyright © 2025 Miracle Morning, LP and International Literary Properties LLC

Click here to work with us! For decades, you've been focused on saving—watching your retirement accounts grow, sticking to a budget, and making smart financial decisions to ensure a secure future. But now that the time has come to actually enjoy your hard-earned money, spending it feels... unsettling.  You're not alone. Many retirees struggle with the mental shift from accumulation to decumulation, even when their financial plans show they have more than enough. The fear of running out, coupled with conflicting financial advice, makes it tough to confidently transition into this new phase of life. Today we explore strategies for overcoming the retirement spending fear, based on an insightful Forbes article by Tim Maurer. We'll break down his three-step approach: phasing into retirement instead of stopping abruptly, redefining "work" to maintain purpose and fulfillment, and structuring an investment portfolio designed specifically for retirement withdrawals. Plus, we'll tackle a listener question about Social Security spousal benefits and the implications of early filing. By the end of the episode, you'll gain a clearer understanding of how to embrace your retirement, spend with confidence, and fully enjoy the wealth you've built.  Outline of This Episode (0:00) The fear of spending in retirement (1:19) The “Retirement Cycle of Fear” (3:13) Step 1: Phase into retirement gradually (5:15) Step 2: Keep working, but redefine it (7:20) Step 3: Build a portfolio for spending (10:14) Listener Q – Social Security & spouses (14:30) Final thoughts (how to thrive in retirement) Resources & People Mentioned The Retirement Podcast Network Tim Maurer's Forbes article – Overcoming the fear of spending in retirement. Daniel Crosby's The Soul of Wealth – A deep dive into money and psychology. Connect with Benjamin Brandt Become a Client: www.retirementstartstoday.com/start Get the Retire-Ready Toolkit: http://retirementstartstodayradio.com/ Follow Ben on Twitter: https://twitter.com/retiremeasap Join the newsletter: https://retirementstartstodayradio.com/newsletter Dive deeper into retirement planning with Ben at www.RetirementIncome.University Subscribe to Retirement Starts Today on Apple Podcasts, Stitcher, TuneIn, Podbean, Player FM, iHeart, or Spotify

This week, Captain Eric Kerber, “Iron” Bill Veldof, and Drew Watson supply the Buffalo wings and compelling reasons to move to Florida, we dangle a center pin in front of a snakehead-hating conservation officer, spend our winter watching people fight digital fish poorly, and give free candy to people who will never fish with us. 

In this episode of Jake & Gino's How-To Series, Gino Barbaro breaks down the five money personas and how early experiences with money may be shaping financial decisions without you even realizing it.Many people think "I can't afford that" or "Money is the problem," but the truth is, mindset is what's keeping people from financial freedom. Gino shares his personal journey from a scarcity mindset to an investor mindset and how changing perspectives on money can transform wealth, business, and life.What You'll Learn in This Episode:Why two people with the same skills have completely different financial outcomesThe five money personas: Saver, Spender, Gambler, Investor, AvoiderHow childhood money trauma might be affecting financial decisions todayThe real secret behind attracting wealth and breaking free from limiting beliefsWhy money doesn't corrupt—it reveals who you truly areFree Resource: Grab a free PDF copy of Gino's book Happy Money, Happy Family, Happy LegacyEmail gino@jakeandgino.com to get a copy. Connect with Us:Website: https://jakeandgino.comGet Your Free PDF: gino@jakeandgino.com We're here to help create multifamily entrepreneurs... Here's how: Brand New? Start Here: https://jakeandgino.mykajabi.com/free-wheelbarrowprofits Want To Get Into Multifamily Real Estate Or Scale Your Current Portfolio Faster? Apply to join our PREMIER MULTIFAMILY INVESTING COMMUNITY & MENTORSHIP PROGRAM. (*Note: Our community is not for beginner investors)

We are just about to retire and the thought of spending the money rather than saving is a difficult shift. Any advice on how to make this transition? Have a money question? Email us here Subscribe to Jill on Money LIVE YouTube: @jillonmoney Instagram: @jillonmoney Twitter: @jillonmoney "Jill on Money" theme music is by Joel Goodman, www.joelgoodman.com. To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

Guest: Chris Miles – The Cash Flow Expert & Anti-Financial Advisor  Today, we're diving deep into financial independence, wealth creation, and breaking free from the traditional money myths that keep so many people stuck. Our guest, Chris Miles, is a cash flow expert and anti-financial advisor who has helped his clients increase their cash flow by over $300 million in the last 15 years. He's the host of The Money Ripples Podcast, a featured expert in Entrepreneurs on Fire, CNN Money, and Bigger Pockets, and has built a reputation for showing people how to get their money working for them—without grinding forever or relying on outdated financial advice.  If you've ever felt trapped by traditional money strategies—saving endlessly, playing by the rules, and still feeling like it's not enough—this episode will radically shift your mindset and strategy.  �� Top 3 Takeaways:  1. Wealth isn't built by saving—it's built by cash flow. Traditional financial planning tells you to save, save, save, but real freedom comes from creating income streams that work for you.  2. Get lean, get liquid, get out. Locking money away in 401(k)s, IRAs, and paid-off mortgages might feel safe—but it actually traps your financial potential instead of expanding it.  3. Money is meant to be used, not hoarded. The key to abundance isn't spending less—it's getting smarter about how your money flows and grows. �� Key Topics & Insights:  1️⃣The Myth of Saving Your Way to Wealth (06:04)  ● "My dad did everything right—paid off his house, saved in his 401(k)—and when I ran the numbers, I had to tell him: ‘If you retire today, you'll run out of money in five years.'”  ● Many people follow the "safe" financial plan, yet still end up unable to retire comfortably. The system isn't broken—it was designed this way. True wealth comes from cash flow, not just accumulated savings.  ● Instead of hoping a big retirement fund will last, create income-generating assets that continue to pay you—without you working more.  2️⃣The Trap of Locked-Up Money (17:39)  ● "People think having a paid-off house is financial freedom. But if all your wealth is tied up in your home, it's not working for you. It's locked away."  ● The traditional mindset around money focuses on saving and cutting costs, but hoarding money doesn't create financial security—it creates stagnation.  ● Getting liquid means moving money out of restrictive accounts (like retirement plans with penalties) and putting it into investments that generate real cash flow.  3️⃣The Steward Mindset—How to Make Money Work for You (16:22)  ● "Savers and spenders both operate in scarcity. The only way to truly win with money is to become a steward—someone who understands how to manage cash flow wisely while letting money work for them."  ● A steward doesn't just accumulate wealth—they make sure it keeps growing. That means thinking beyond retirement accounts and into passive income streams like real estate, lending, and cash-flowing investments. ● Breaking free from the traditional financial system requires a mindset shift. Most people think about money in terms of security and control, but real wealth is about movement and opportunity.  �� Notable Quotes:  �� "The people who taught you to lock money away in retirement accounts? The financial institutions. They don't want you using your money—they want to control it."  �� "I walked away from being a financial advisor because I realized the system wasn't designed to create wealth—it was designed to keep people working forever."  �� "Screw the ‘should' life when it comes to money. Financial freedom isn't about sacrifice—it's about smart, strategic cash flow."  This episode is your wake-up call to rethink everything you've been told about money. If you want true financial freedom, you have to stop playing by the old rules—and start creating your own.  �� Listen now and start your radical financial reinvention! 

Seed farmer Dan Brisebois of Tourne-Sol Co-Operative Farm shares some advice for beginners looking to save their first seeds: keep things simple to avoid overwhelm and burning out early!

Welcome to Making a Millionaire. Megan & Patrick thought that they were living the American Dream. But then, disaster struck. Can we help them build a better relationship with money? Jump start your journey with our FREE financial resources Reach your goals faster with our products Take the relationship to the next level: become a client Subscribe on YouTube for early access and go beyond the podcast Connect with us on social media for more content Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life.

Hal Elrod's Miracle Morning philosophy has helped millions of people to create the life they've always wanted. In this episode, Hal tells Brian how changing the way you start your day will change everything. YOU WILL LEARN:· What prompted Hal to invent the Miracle Morning. · The power of the SAVERS practices. · Three steps to create results-driven affirmations. MENTIONED IN THIS EPISODE: halelrod.com“The Miracle Morning,” by Hal ElrodThe Miracle Morning movie“The Power of Now,” by Eckhart Tolle S2E55 Breaking the Ice – an Interview with Wim Hoff NOTEWORTHY QUOTES FROM THIS EPISODE: “Everybody wants the good life, but not everybody wants to pay the price to get there.” – Brian Buffini “Meditation isn't getting rid of thoughts, it's observing thoughts.” – Hal Elrod “In life we get what we're committed to.” – Hal Elrod “When you put your thoughts in writing, you force a heightened level of clarity that allows you to work through challenging thoughts and to solidify positive thoughts.” – Hal Elrod “Do the right thing, not the easy thing.” – Hal Elroditsagoodlife.com Hosted on Acast. See acast.com/privacy for more information.