Podcasts about Savers

Hal Elrod is the bestselling author of "The Miracle Morning: The Not-So-Obvious Secret Guaranteed to Transform Your Life (Before 8AM)." The book offers a practical morning routine that has transformed the lives of over 3 million people. In this episode, Hal describes discovering the six practices that became the SAVERS method (Silence, Affirmations, Visualization, Exercise, Reading, Scribing) during the 2008 financial crisis when he needed to rebuild his life and income. He shares how implementing these practices every morning doubled his income within two months and became the foundation for helping millions of others. Listen to the full episode to hear how Hal turned life's hardest moments into practical tools for personal transformation and daily excellence. You can find episode 485 on YouTube, or wherever you get your podcasts! Watch this Episode on YouTube | Hal Elrod on Transform Your Life (Before 8AM) https://bit.ly/TLP-485 Key Takeaways [02:44] Hal reveals he realized during cancer at 37 that he was a workaholic, so now he drives his kids to school daily and shortens his workday to align with his family priority. [04:33] Hal explains he learned the five minute rule at age 20 selling Cutco by feeling emotions for five minutes then saying "can't change it" and moving forward. [07:25] Hal recounts being hit by a drunk driver at 70 mph at age 20 where he broke 11 bones and died at the scene for six minutes but applied the five minute rule to accept his reality. [13:26] Hal confirms the five minute rule is the practical bridge to Viktor Frankl's concept of choosing one's attitude in any circumstance. [21:05] Hal explains the Miracle Morning program and why the morning routine is important for making every day your best day. [29:37] Hal shares that the expanded edition of his book adds 20 pages to the SAVERS section and two new chapters called the Miracle Evening and the Miracle Life. [33:00] Hal shares that he gives up three hours of work each day to drive his kids to school, choosing lasting memories with them over more book sales. [37:58] Hal explains that his experiences guide him toward a higher power's purpose and shares that his parents' response to his sister's death taught him to turn adversity into service. [43:12] Hal defines a good life as fulfilling your potential in service of others by showing up as your best self every day from a place of love. [46:16] And remember…"When you arise in the morning, think of what a precious privilege it is to be alive - to breathe, to think, to enjoy, to love." - Marcus Aurelius Quotable Quotes "It's okay to be negative and get upset when things don't go your way, but do not dwell on it for an extended period of time." "Set your timer for five minutes and give yourself five minutes to feel your emotions fully. Don't suppress them, don't try to act the way you think you should. Bitch, moan, complain, cry, vent, whatever you gotta do." "Every painful emotion that we experienced was self created by our resistance to our reality." "The last of man's freedoms, is to choose one's own attitude in any given set of circumstances." "You cannot change reality in this moment as it exists. You can only do things in this moment to change the next moment or the moment after that." "I believe that we create our own statistics." "Your level of success will seldom exceed your level of personal development." "If you win the morning, you win the day because you're putting yourself in a peak physical, mental, emotional and spiritual state." "Family men with businesses, not businessmen with families." (Front Row Dads tagline) "Everything you've been through is intentional and it's part of your journey, so you can help as many people as you possibly can." "Every day you wake up and you ask like, what's the best version of myself today? How can I show up at my best? How can I fulfill my limitless God given potential today?It's fulfilling your potential in service of others." These are the books mentioned in this episode Resources Mentioned The Leadership Podcast | theleadershippodcast.com Sponsored by | www.darley.com Rafti Advisors. LLC | www.raftiadvisors.com Self-Reliant Leadership. LLC | selfreliantleadership.com Hal Elrod Website | http://miraclemorning.com Achieve Your Goals Podcast | https://podcasts.apple.com/us/podcast/achieve-your-goals-with-hal-elrod/id820889267 Hal Elrod X | @halelrod Hal Elrod Facebook | www.facebook.com/groups/MyTMMCommunity Hal Elrod LinkedIn | www.linkedin.com/in/hal-elrod-aa054324a Hal Elrod Instagram | @hal_elrod Watch The Miracle Morning Movie for free: https://miraclemorning.com/movie/ The Miracle Morning App | https://miraclemorning.app/

Send us a textIf it feels like your money disappears faster than it comes in, you're not alone—and you're definitely not bad with money. You're living a full life with limited time and unlimited responsibility.In today's episode, Gina (aka Saving Whiz) shares what financial breathing room really means, why traditional budgeting advice doesn't fit the reality of motherhood, and five simple steps to help you create space, calm, and confidence in your finances.You'll walk away knowing how to make small, meaningful shifts that actually work with your life—not against it—so you can stop feeling behind and start feeling at peace with your money.

Learning how to save the seeds is the ultimate trick to scoring a guaranteed bumper crop of all your favorite garden goodies. Plus, Colin brings another treasure from his garden to try and it's cuca-amazing!----------------------CONNECT WITH USThank you so much for supporting our podcast and for making the world a more planty place. Please subscribe, leave a rating or review and listen in for new gardening discussions every week! Golden Acre Home & Garden is located in Calgary, Alberta, Canada and open 362 a year for all your home and garden needs!Show Notes | ⁠⁠⁠⁠⁠⁠www.goldenacre.ca/podcast ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram | ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠thehelpfulgardenerspod⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Leave us a Voice Note: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.goldenacre.ca/podcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠CREDITSHosted by: Brandi Warren & Colin HaylesVoiceover by: Kaelan Shimp⁠⁠Music by: Forestmusic

A judge grants Diddy to speed up his appeal. Kaelin tells us how an episode of Curb Your Enthusiasm saved someones life!See omnystudio.com/listener for privacy information.

The Round Table Series #13: Part 1 - Savers are Losers!In this council of The Round Table we discuss the pros and cons of saving, what it means to capitalize, the inflated money supply, the cost of living, taking control if your money with Infinite Banking, the differences between saving, investing and banking, and much more. To connect with Brandon, go to www.themoneyadvantage.com or email him directly at brandon@themoneyadvantage.comTo connect with Mark, go to Mark@elevatedcapitalstrategies.comTo reach out to Becca or to buy her book

In this episode: Wade breaks down the first two stages of owning whole life: Saver (building a safe, liquid foundation and tightening your relationship with money) and Wealth Builder (shifting premiums from "expense" to "opportunity," paying down the right debts, and funding opportunities without sacrificing liquidity). You'll hear how Tough Money habits, cash-flow redirection, and a clear "days of liquidity" target create real control—not just theory. Tune in to learn how to move from storing cash to putting it to work—on your terms. Episode Highlights 02:57 - Introduction to the Four Stages of Whole-Life. 04:45 - Stage 1: Saver Mindset. 10:30 - Liquidity at Time of Death - Life Insurance. 11:59 - Savings vs. Investing Clarification. 30:35 - Stage 2: Wealth Builder Discussion. 37:12 - Stage 3: Business Banker Mindset. Episode Resources sagewealthstrategy.com

In this week's episode of Yo Quiero Dinero, host Jannese Torres sits down with Andrea Ramos, founder of Building Gen Wealth, to talk about her journey from a first-gen saver to a full-time entrepreneur and money coach. Born in Peru and raised in the U.S., Andrea shares how her parents' example of hard work and quiet money lessons sparked her own path toward financial independence—and how a moment of family crisis led her to reimagine what building wealth truly means. Andrea opens up about the challenges of leaving her 9-to-5, becoming a mom, and redefining success on her own terms. From navigating variable income to healing generational scarcity mindsets, she reminds us that wealth isn't just about numbers—it's about peace, possibility, and purpose.

Bryan Pieschel shares the mission of Dogs for Our Brave, founded in 2014 by Andy Gladstein to provide mobility-based service dogs to wounded combat veterans. The group currently trains three dogs per year and is expanding to a 15,000 square foot facility in Crestwood next summer. He promotes the upcoming Sip and Saver fundraiser on November 9 from 3–6 PM at the Sunset Event Space with tickets at 150 dollars including food from Twisted Tree, a live auction and veteran stories with about ten veterans attending from across the country. He reflects on the emotional impact service dogs have on veterans and the long term investment the organization makes in their recovery.

Hour 4 opens with Ryan Schmelz on the federal shutdown and its impact on military families, TSA workers, SNAP recipients and ongoing budget fights in Congress. Tom Ackerman follows with college football headlines as Indiana sits atop rankings, Penn State faces the loss of Beau Pribula and Game 3 of the World Series shifts to Los Angeles with Max Scherzer on the mound for Toronto plus a Cardinals development angle. The hour closes with Bryan Pieschel of Dogs for Our Brave discussing their mission to train mobility service dogs for veterans, their expansion to a new Crestwood facility and details on the upcoming Sip and Saver event on November 9.

The show opens with top national and local headlines including heavy rain in the area, the World Series shifting to Los Angeles tied 1–1, Mizzou's postseason hopes affected by quarterback injury news, the president authorizing action against drug boats near Venezuela and the Boeing strike continuing after union workers rejected the contract. The Buck Dont Give a ____ segment follows with a discussion on the political shift among Black voters and the rise of conservative social media voices like Its Life Who Cares, along with criticism of Biden's economy and Democratic messaging. Hans von Spakovsky later details U.S. military action off Venezuela, China's fentanyl role and CIA involvement in the Hunter Biden laptop letter. Rep. Ben Keathley breaks down Rockwood Prop S and the concern over off-year school tax elections and taxpayer protections. Jenny Beth Martin argues Republicans should use the shutdown standoff to restructure government spending. Ryan Schmelz reports on shutdown fallout for military families, TSA workers and SNAP recipients. Tom Ackerman covers Indiana's emergence in college football, Beau Pribula's injury, Game 3 of the World Series and the Cardinals development track under Chaim Bloom. Bryan Pieschel closes the show with the mission of Dogs for Our Brave, their new Crestwood facility and the upcoming Sip and Saver event on November 9.

Lower interest rates have been a cause for celebration for many people in recent months. However, conservative savers with money on term deposit won't be quite so enthusiastic. They were sitting pretty 18 months ago, with the six-month term deposit rate offering a yield of six per cent, the highest since 2008. Since then, rates have slumped more than 40 per cent to under 3.5 per cent. That's a hefty pay cut, if your term deposit nest egg is a key source of income.

What if everything you were taught about money is wrong?  Rob was in £50,000 of consumer debt by age 26, and learned the hard way, but today he exposes the nine money myths pushed by the system—from saving and investing to luck and hard work—and shares his personal SIM model for building wealth, arguing that not investing is more risky than investing, that money does not change you, and that anyone can create wealth with the right knowledge… BEST MOMENTS “Saving will never make you rich. It's impossible to save money and become wealthy and rich. Savers are losers. If you don't risk anything, you risk everything. If you think investing is risky, try not investing. The love of money is not the root of all evil. The root of all evil is evil” Exclusive community & resources:   For more EXCLUSIVE & unfiltered content to make, manage & multiply more money, join our private online education platform: Money.School →⁠ ⁠⁠https://money.school⁠   And if you'd like to meet 7 & 8 figure entrepreneurs, & scale to 6, 7 or 8 figures in your business or personal income, join us at our in-person Money Maker Summit Event (including EXCLUSIVE millionaire guests/masterminds sessions)  →⁠ ⁠⁠https://robmoore.live/mms⁠ 

Sometimes I get wary of sharing how much I plan. But because I plan I get to be more purposeful and present in my life which gives me peace. I‘m sharing the 3 phases I go through to plan. I dream. I contemplate allllllllll the possibilities. Then I choose what I want to do from all dreams I came up with. And then I plan it and confidently run that plan knowing I thought of everything.  Holiday Blitz so you can leave the Witches in Oct.  Halloween has passed, you are in the thick of the holidays but you still feel like a witch. Why? Because you are trying to meet everyone's expectations but no one is aware of all you are doing nor do they care. We are putting all this pressure and these expectations on ourselves!!  I'm here to share how to shed those witchy feelings with the Holiday Blitz. In the holiday blitz there are 5 videos and printables. After the videos, you will “interview your family” about what makes the holidays special for them BEFORE the holidays. You will dream about what you want the holidays to look like this year. And after talking to your family it'll be easy to choose what you want to execute. Holiday Mini Planning Day The Holiday Blitz Mini Planning Day is a taste of what home planning day is like.  This is when we take the one Sunday Basket® and divide it into three Sunday Baskets®. You will have a Holiday Sunday Basket® for the meaty experience you want to plan, recipes, gift ideas, and all the holiday cheer you want to provide this year. There will be a “next year” Sunday Basket® where you can safely place paper that doesn't need your attention until next year. You place this Sunday Basket® in another room.  And of course, your regular weekly Sunday Basket® for your “new part time job” of being the memory maker; with the additional shopping, decorating, traveling, and so forth. We'll take a look at the week of Thanksgiving and the last two weeks of December and plan in time blocks. And I share tips on how to strategically shop Black Friday to save money all year.  I know not everyone has the capacity or time to plan luxuriously like this. So…I am offering a 30 mini workshop where you can take just a few minutes to plan. I know everyone is really busy but I really want you to enjoy the holidays this year! Stay tuned for more details so you stay sane and present for the holidays. Home Prep & Planning Day And we end the year with more planning. Yes I really do all of this planning. But you will see as the year comes to an end you will be already dreaming of what this 2026 year can bring. It's still full of so much potential.  Prep day is Monday. You will reset your Sunday Baskets® and update slash pocket labels and contents. Some paper may need to go in your operations binder. And you will have a Taxes Sunday Basket® for a landing place when all the documents start coming in the mail. You'll have one extra Sunday Basket® which will be for your first project in the new year. And then you choose what projects and ideas you will be actually planning for on Wed. And On Wednesday we'll start getting a plan on paper in the workbook. What will the first 120 days/ 4 months of 2026 look like? In each of these planning phases I dream. How could it look? And then I choose. I make an actionable plan to execute the choices I made. And lastly, run that plan with confidence. Because you take the time to plan, you can peacefully be present. Once you have experienced the peace of planning, you will find the time to plan. I promise! And the more you plan, you'll want to plan even more! EPISODE RESOURCES: The Sunday Basket® Holiday Blitz 2025 (Oct. 27th) Holiday Blitz Bundle  Holiday Mini Planning Day (Nov. 14th) 30 Min. Holiday Sanity Saver Workshop (Dec. 5th) Home Prep and Planning Day (Dec. 29 - Dec. 31) Sign Up for the Organize 365® Newsletter  Did you enjoy this episode? Please leave a rating and review in your favorite podcast app. Share this episode with a friend and be sure to tag Organize 365® when you share on social media!

In this episode of Revamping Retirement, hosts Audrey Wheat and Peter Ruffel welcome back Neal Ringquist, executive vice president and chief revenue officer of Retirement Clearinghouse, for a deep dive into auto portability and the Portability Services Network (PSN). Neal explains how auto portability enables seamless retirement balance transfers between employers, backed by regulatory support and a consortium of major record keepers. The conversation highlights key adoption metrics—over 21,000 plan sponsors enrolled and 16,700 completed transactions—and explores future applications like the Saver's Match. The episode also clears up common misconceptions and encourages plan sponsors to engage in expanding PSN's impact.   Get more insights for retirement plan sponsors by subscribing to Revamping Retirement.

Barb O'Neill, CFP®, AFC®, walks us through 403(b) withdrawal strategies in retirement. Transitioning From 403(b) Saver to Post-Career Spender (blog post w/resources) Learned by Being Burned (short pod series about K-12 403(b) issues) 403bwise.org Meridian Wealth Management Nothing presented or discussed is to be construed as investment or tax advice. This can be secured from a vetted Certified Financial Planner (CFP®). 

3AW Drive host Jacqui Felgate had her say on the launch of the app, See omnystudio.com/listener for privacy information.

In this playful and insightful episode, Don and Tom explore how the beloved Friends characters might fare financially if they were retiring today. Using their signature mix of humor and practical investing wisdom, they analyze each character's fictional career, personality, and spending habits to project their retirement readiness. The second half of the show returns to real-world money matters, answering listener questions about blending withdrawal strategies and fund choices in employer retirement plans. 0:04 Why this episode starts with a Friends reference—and yes, it's copyright-friendly 0:31 Monica and Chandler Bing as retirement savers: organized, driven, but maybe too perfectionist 3:25 Monica's obsessive planning vs. Chandler's possible risk aversion 4:22 Overthinking portfolios and the emotional toll of too much tweaking 5:01 Savers who struggle to spend: how Monica might hoard instead of enjoy 5:56 Chandler's likely financial behavior and their combined million-plus portfolio 7:03 Ross: neurotic, divorced, and probably pension-supported 7:54 Why pensions are psychologically powerful for retirees 8:35 Ross would need an advisor to keep him calm and invested 9:14 Rachel: spender, low earner, fashion industry job—not retirement ready 10:30 Joey: the actor's feast-or-famine finances and SAG-AFTRA pension potential 12:22 Real SAG-AFTRA pension expectations: modest but helpful 13:09 Joey's likely retirement: modest income, limited comfort outside major cities 13:54 Phoebe: quirky, lovable… financially reckless? 14:28 Phoebe's imaginary downfall: alimony, bad investing, busking in Times Square 15:20 Big picture takeaways: personality, income, and circumstance aren't destiny—but they shape outcomes 16:48 The Bings win the retirement game… Phoebe's husband probably doesn't stay married 17:30 Listener Q1: Combining fixed and flexible withdrawal strategies 18:52 30-year portfolio simulation using 60/40 and AI tools 20:24 Hybrid strategy results: high survival rate, smoother ride, and growing payouts 21:21 Comparison of 4% vs. 5% withdrawal income over time 22:36 Listener Q2: Replacing expensive international funds in a union 401k plan 24:00 Replace EuroPacific and Developed with Fidelity's low-cost international index fund 25:17 Expense ratio showdown: PigWX vs. FSPSX 26:32 Closing chaos: how to contact Tom and the long-lost newsletter phone number 27:49 Origins of 800-FUND-004 and how someone just walked into the Bellevue office 29:42 End credits and final laughs—yes, even Tom held back the dad jokes (mostly) Learn more about your ad choices. Visit megaphone.fm/adchoices

Celebrating 200 episodes of personal finance education and money management tips! Since launching in January 2022, the City Girl Savings Podcast has helped thousands of women improve their financial literacy and build wealth. Wow. Time flies! Back in November 2023, the City Girl Savings Podcast had reached 100 episodes and I couldn't quite believe it. Fast forward to now and I'm still in awe of how far we've come, but also how quickly time seems to move. Not to get on my soapbox, but if there's a goal, investment, purchase or dream you've been putting off, TAKE ACTION NOW! Time will only keep going and you'll regret constantly pushing out the things that really matter to you. I launched this podcast in January of 2022 and I'm so glad I did. It's been such a wonderful journey and experience and knowing that people are encouraged and motivated from these episodes makes it all worth it. To celebrate 200 episodes of the City Girl Savings Podcast, I'm sharing my 10 all-time favorite episodes.   These top 10 City Girl Savings Podcast episodes featured: Mindset shift strategies from overspending to saving Investment advice and building wealth for beginners Financial confidence and money management psychology Setting financial boundaries and eliminating money anxiety Business lessons and entrepreneurship insights Daily habits for financial success and productivity   After 200 episodes covering everything from budgeting basics to advanced investment strategies, these 10 episodes represent the most transformative money lessons for building lasting wealth and financial freedom.   Here's a glance at this episode: [02:42] Money Mindset Transformation: Making the Mindset Shift from Spender to Saver made this list due to the true mindset shift that needs to happen to take someone from an overspender to an avid saver. [06:45] Investing in Financial Education: Do you struggle with investing in yourself to improve? Why You Need to Pay to Get Better with Money helps shift that mindset. [10:28] 10 Years of Business Lessons: Hear all Raya has learned after 10 years in business with a celebration of City Girl Savings reaching a decade. [14:27] Financial Confidence Building: Being a better steward of money has increased Raya's self-confidence tenfold and she shares just how in this episode. [17:00] Financial Boundaries That Work: Give yourself money to enjoy life with. This can be a financial boundary you set that ends up being a helpful tool.   Rate, Review, & Follow: Did you love this episode? Are you a fan of the City Girl Savings podcast? If so, please consider rating and reviewing the show! This helps spread the word about City Girl Savings, and hopefully helps more people make the best money moves possible on the way to their dream life! To leave a review on Apple Podcasts, click here, scroll to the bottom, tap to rate with five stars, and select “Write a Review.” Then be sure to let me know what you loved most about the episode! Also, please make sure you're subscribed and following the City Girl Savings podcast on Apple Podcasts, Spotify, and YouTube!   Resources mentioned in this episode: Listen to Episode #149: Making the Mindset Shift from Spender to Saver Listen to Episode #3: Breaking Through the Stigma of Budgeting Listen to Episode #84: Why You Need to Pay to Get Better with Money Listen to Episode #159: 10 Years in Business: Growth, Lessons and More Listen to Episode #164: Plan, Prepare and Organize Your Finances with Alaina Fingal Listen to Episode #58: My Daily Morning Routine for Boosting Productivity Listen to Episode #141: How Managing My Money Has Boosted My Confidence Listen to Episode #62: 9 Ways to Manifest More Money Into Your Life Listen to Episode #182: 6 Ways to Set Financial Boundaries and Stick to Them Listen to Episode #178: Finding Peace in Your Finances: 5 Steps to Eliminate Money Anxiety Learn about Raya's Financial Focus Coaching Program Follow City Girl Savings on Instagram, YouTube, and TikTok Join the City Girl Savings Facebook Group Subscribe to the City Girl Savings Newsletter!

This week, Danny Beard, Billy Andrew and Producer Lillie-Mae talk Lady Gaga on her Mayhem Tour and Gwen Stefani's pop excellence L.A.M.B era. The letters this week get us talking about dirty underwear, 'Babygirl' power dynamics and would you rather your family see your good nudes or the outtakes?*NOTE TO LISTENERS* this episode also includes conversation around body image and weight loss from around 21 mins in. Grab your tix to see Danny Live: thedannybeard.komi.ioWant to be a Gossip Goddess or a Question Queen and win a badge?Send us your crazy and dirty confessions! They could be your own saucy tales or the goss you have on your friends! Send them in here:Our Whatsapp is back! wa.me/447822033434Gossip Form: https://forms.gle/s1ZruNQBLxyHefym8 Hosted on Acast. See acast.com/privacy for more information.

In this episode, I chat to Claire Bracey about her journey from Police Detective to Bill Saver. She shares why she joined Utility Warehouse, her lightbulb moment that changed everything and what she's learnt along the way.   Claire shares some amazing tips on leadership, building a hugely successful business with over 1600 partners and building a community.   Find Claire on Facebook here https://www.facebook.com/profile.php?id=100007910355542   Or contact her via WhatsApp on +447766 914555 referencing Direct Selling Success Podcast.   Grab yourself a copy of my free download, 100 Ways to Grow Your Customer Base here https://annagreen.kartra.com/page/web-100ways    Find me on socials here: Facebook www.facebook.com/annagreenmentor  My Facebook Community www.facebook.com/groups/directsellingsuccesscommunity  Instagram www.instagram.com/directsellingsuccess  TikTok www.tiktok.com/@directsellingsuccess 

In today's episode of The Life of a Bon Vivant Podcast, Beeta explores the Miracle Morning, a concept penned by Hal Elrod that helps you start your day with intention and clarity. She shares how practicing his SAVERS routine has transformed her mornings and brought more focus and calm into her life. Beeta also talks about how she has adapted the practice to fit her own slow and intentional lifestyle, inspired by the French way of savoring life, and invites listeners to try it as a way to show up each day as your best possible self.Check out Hal Elrod's book Miracle Morning here (affiliate link): https://amzn.to/3IbaJH4To get all the podcast updates, be sure to sign up to our mailing list at: https://MonPetitFour.com/Sign-UpFollow me on Instagram at: Instagram.com/MonPetitFour

If you're within ten years of retirement (early or traditional age) or just want to get a head start on going from being a saver to a spender, this episode is for you. Decumulation without drama—that's the mission as retirement pros Dana Anspach (Sensible Money) and Fritz Gilbert (The Retirement Manifesto) join the show to turn “build-your-own paycheck” into a repeatable process. Dana lays out why drawdown is a hundred small decisions, not one big leap; and Fritz brings in the field notes. Together they demystify: Tax Pitfalls Timing Social Security Asset Allocation and Location Why Most Retirees Underspend The big takeaway: document the plan, automate the paycheck, and give yourself permission to enjoy the “go-go” years—because money's job is to fund a life, not gather dust.   

Retirement confidence is under pressure. While younger generations are entering the workforce with optimism, the latest Read on Retirement report reveals troubling gaps between savers, plan sponsors, and retirees. Only 38% of employers believe their employees are on track, and confidence among retirees has dropped to historic lows.In this episode of The Bid, host Oscar Pulido speaks with Jamie Magyera, Head of BlackRock's U.S. Wealth Advisory and Retirement Business, about the findings from a decade of retirement data. Together, they explore what's driving the confidence gap and the bold actions needed to close it.Jamie highlights three calls to action for the retirement industry: expand access to professional management, deliver guaranteed income solutions, and broaden portfolios to include private markets. She also underscores the need for education and re-enrollment so savers fully benefit from these innovations. With retirement confidence at a crossroads, this episode offers both a reality check and a roadmap for plan sponsors, policymakers, and individuals alike.Sources: BlackRock's Read on Retirement Survey, September 2025Key insights include:· Why retirement savers' confidence often outpaces employers' assessment, and what this paradox reveals.· How target date funds and auto-enrollment are making retirement saving easier and more effective.· Why guaranteed income solutions are increasingly vital to ensure retirees don't outlive their savings.· The growing importance of private markets in delivering long-term returns and diversification alongside public markets.· Differences across generations and genders in retirement confidence — and how advice and professional management can help bridge gaps.· How market volatility, student debt, and competing financial priorities continue to challenge long-term savers.Timestamps:00:00 Retirement Confidence at a Crossroads01:59 Key Findings and Confidence Gaps in the latest Read on Retirement Report04:40 Calls to Action for Retirement Preparedness08:39 Generational Differences in Retirement Planning10:35 Gender Gaps in Retirement Confidence12:12 Challenges and Future of Retirement Planning16:50 Personal Reflections and Advice18:36 Conclusion and Final ThoughtsCheck out episode 225 on retirement planning where we discuss what new legislation could mean for your retirement account: https://open.spotify.com/episode/4mH8LyNQFsYSV0bxEH1NGU?si=ed429467800b4617Check out this playlist on investing for retirement here: https://open.spotify.com/playlist/08Fx1iZaBwLclqpswIbjUq

VFR Traffic Advisories, also known as “flight following,” is a service that is provided by ATC, workload permitting. But it can also be a life saver. In today's episode, we'll hear how controllers assisted a pilot who needed help when his engine started running very roughly and he began to lose altitude over terrain that was not at all conducive for a forced landing. The pilot was grateful for the help controllers provided. Sponsored by Avemco Insurance 

In the latest episode of the pod Andy's talking about the latest stories that are important to you and your money. Including:  Andy's October savings update The self assessment deadline - do you need to register? For links and further reading head to becleverwithyourcash.com/cashchats 00:00 Intro 01:09 Andy's October savings update 24:21 Self assessment deadline ABOUT CASH CHATS Cash Chats is the award-winning podcast brought to you by the team of money geeks at Be Clever With Your Cash, sharing the latest updates from the world of personal finance and helping you to navigate the everyday money challenges we all face. Show notes can be found at becleverwithyourcash.com/podcast. BE CLEVER WITH YOUR CASH ON SOCIAL twitter.com/BeCleverCash instagram.com/becleverwithyourcash   youtube.com/@becleverwithyourcash   GET OUR WEEKLY NEWSLETTER You'll also get a free Quidco bonus for signing up https://becleverwithyourcash.com/newsletter/ MUSIC The music is Easter Island by Lonely Punk and provided on a creative commons licence 

B"H Yom Kippur is more than forgiveness, it's a fresh start. Moses brought down the second Tablets, the Kohen Gadol entered the Holy of Holies, and we're reminded that we can tap into our own inner holiness. ✨ This year, let's practice Positive Viddui, not only confessing what needs work, but celebrating the good we've already done. To watch Torah Thoughts in video format, click HERE Subscribe to the Torah Thoughts BLOG for exclusive written content! Please like, share and subscribe wherever you find this!

There are a thousand opinions out there on how to raise kids, but the one thing everyone can agree on is that raising kids is expensive. Luckily, there's a way that doctors like you can save on taxes and use pretax dollars to pay for childcare. Nate Reineke breaks down how a dependent care FSA can be used to pay for daycare or nannies and how it helps physicians get an easy tax break. We also answered your colleagues' questions. A Pediatrician in California says, I inherited an IRA from my mom. I plan to work for the next 10 years, and the IRA is subject to the 10-year rule. I am switching jobs to a higher-paying job in 2026. Should I withdraw now or wait? A business owning spouse of a Dermatologist in Virginia opened a group 401 (k) plan with a non-spouse employee who never became eligible for the plan. They want to know if they can close the group plan and roll the funds into a Solo 401 (k). A cardiologist in Oregon says that his wife has an inactive 401 (k) that is changing custodians and is in a blackout period. He wants to know what that means. An Addiction Medication Specialist in Oregon says, according to my plan, I am on track for retirement, and I may decrease my working hours soon. Should I open a cash balance account? Are you ready to turn worries about taxes and investing into all the money you need for college and retirement? It's time to make a plan and get on track. To find out if we're a match visit physicianfamily.com and click get started or, you can ask a question of your own by emailing podcast@physicianfamily.com. See marketing disclosures at physicianfamily.com/disclosures

Most ER docs spend their careers building discipline — grinding through debt, maxing out retirement accounts, and making sure the numbers always work. By the time they reach financial independence, the nest egg is there, but something unexpected happens: the habits that carried them here don't always translate into the next phase. Retirement brings a new challenge, not about how to save, but how to spend — and for many, that's a tougher adjustment than it sounds. Today, we're going to unpack that paradox and explore why so many of the best savers struggle the most when it's finally time to enjoy the fruits of their labor.

For IT Professionals Day, the history of the screen saver, which was originally just supposed to keep monitors from getting overworked but eventually took on a whimsical style of their own. Plus: Warsaw, Poland is encouraging commuters to try something other than looking at their phones. Saving One Screen At A Time (Tedium)Warsaw opens metro station ‘express' library to get commuters off their phones (The Guardian)Save our show as a backer on Patreon

In today's show, crooks are finding new, sophisticated ways to get into your accounts. There are risks with voice ID, 2 factor authentication, spoofing, pretexting and more. Clark shares ways to protect yourself.  Also, how do you “futureproof” your career with so many changes coming from AI, robotics and more? Clark discusses the value of looking ahead, enhancing your skillset, and asking “what's next” jobwise.   Guard Your Accounts: Segment 1 Ask Clark: Segment 2 Futureproof employment: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Why You Need To Lock Your Phone Number Today Vanguard Account Security - Spotting and stopping more sophisticated scams Lawsuit Claims Zelle Security Lapses Cost Over $1 Billion in Fraud: What You Need to Know How to outfox financial scammers What Is an HSA Account and How Does It Work? What Is a Flexible Spending Account? 8 Retirement Catch-Up Secrets for Savers 55+ Clark.com resources: Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

What's your Biggest Money Block?Are you a natural saver? Always putting money away, stashing it “just in case,” but still feeling like there's never enough?In this episode of The Positivity and Prosperity Podcast, I'm talking about why saving alone doesn't create true security or wealth — and how to shift from the mindset of “holding on” to one of expansion and confidence.We'll dive into:✨ The difference between a scarcity mindset and an abundance mindset✨ Why extreme saving can keep you stuck (even if your bank balance looks healthy)✨ The neuroscience behind why your brain wants to “hoard” money✨ Practical shifts to start stepping into investor energy and allow more money to flowIf you've ever struggled with guilt around spending or investing — or felt nervous about putting money into yourself or your business — this episode is for you.

Fear of losing money in Stocks? You're not alone - but day-trading isn't the answer. Learn to invest safely in just 5 minutes a day.

Want to learn how to fly around the world without draining your bank account? In this episode, I sit down with my friend Benny—my go-to travel expert—to talk about travel hacking, maximizing credit card points, and finding the best flight deals. ✈️ We cover everything from travel misconceptions and saver award flights to what to do when your flight gets delayed. Whether you're planning a big international trip or just looking for ways to save on flights, you'll walk away with practical tips to make travel more affordable.

Kiera shares some motivation everyone could use a bit of right now, especially if you're facing significant challenges. Her episode reading recommendation: Miracle Morning by Hal Elrod Episode resources: Subscribe to The Dental A-Team podcast Schedule a Practice Assessment Leave us a review Transcript:   Kiera Dent (00:01) Hello, Dental A Team listeners, this is Kiera. And today I just want to give you a quick tactical, amazing, miracle morning recap. I have a friend in my life right now who is just struggling and I struggled last year and like I realized, my gosh, like maybe it's time for me to give you guys a quick boost on how we can create a little bit more momentum, a little bit more magnetism in our lives with a lot of ease. So if that's what you're here for, I'm here. Today's more about a life rather than a tactical tip.   but I believe that this tactical tip is going to set your DNA up to be the successful practice, the successful office manager, the successful hygienist, successful team member, giving you the DNA and the blueprint for it. So my name is Kiera. We love helping dental offices, their teams and their doctors and their patients truly live life at a higher level to be happier, to be more fulfilled, to be more profitable, to say yes to more things in your life. We call the yes model. You as a person being fulfilled, happy, vibrant.   E stands for earnings and profitability and S stands for systems and team development. Like let's put the systems in place. Let's teach you the tacticals, but let's make sure we get the DNA right. ⁓ Miracle Morning was a book that came into my life by Hal Elrod at such a vibrant time. I was at my lowest of my lows and I just needed almost like ⁓ a roadmap out. And I feel like this book was so magical and so powerful for me. And I just really, really, really appreciate it. So ⁓ I'm going to give you guys like kind of a rift on it.   But like helping you just get this into your life. Because like I said, my friend is just struggling, high anxiety, burnout, feeling like, can't I be, like, why can't I do this? A new mom, feeling just truly burdened and down. And I remember I was talking to them and they said, Kiera, I just don't understand. Like, I feel like I should be able to do this and I feel like I can't and I don't understand why. And I thought, gosh, how many people feel this day in and day out? Like all of us.   And that's the lie is we all think that everyone else can figure this out and I'm just the schmuck and I just don't know how to do it when it's all just a stupid lie. And I'm so irritated about it because the life experiences that we're having right now are truly gifts to us to help us evolve into the person we ultimately want to become. if you could realize that the challenges we're facing right now are truly the gift of your soul to propel you into the version of yourself that you need to be.   is something so hard to comprehend when you're going through it, but so easy when you're on the other side, like, wow, that was the greatest gift life ever gave me. And remember life is always happening for you and not to you. So how Elrod, like it just helped me have like a routine, like a routine of pieces. So like I said, I'm just going to break it down for you. He goes through what he calls are the lifesavers. And the lifesavers on there are S stands for silence, A stands for affirmations, V stands for visualization, E stands for exercise, R stands for reading.   and S stands for scribing. So on the silence, the way he describes it, it's like, be quiet in your mind and block out the chatter through meditation, prayer, or focused breathing. Okay, so I do it, I do meditation in the morning. I love Joe Dispenza, that's the one who's come in for me for a long time, I didn't. I've done calm, I've done lots of different things, prayer, whatever it is, but the goal is to quiet our mind. And I believe that our mind is like a muscle and we need to strengthen it. And so this is a great way to almost do like bodybuilding for the mind is to every day.   just have a moment and like a time of silence. And I usually do this before I start my day. So it's kind of like setting myself up, building that foundation, creating this affirmations, tell yourself encouraging words to achieve goals, overcome fears and feel happy. And what they've proven is like one thing that I love about Joe dispense is he talks about like the future causes anxiety and the past causes depression. And how can we be in this future moment in this present moment? And then how can we create our future and actually break the pattern and the habit of things that are known and create an unknown?   of what we actually want to become. So when we do these affirmations of like X, Y, Z, and then we go followed up with the visualization, a visualization, imagine yourself doing things you need to for the day in your future life and imagine what it feels like to succeed. So for me, it's like, what is that? Like, don't have to say that he's always like, what is that future life? Like I hear him in my head because I listen to him every single day, but it's like visualizing, like, what do you want to be? How do you want your life to be? Who do you want to be? And I was like, what things? you're   You're basically creating this future that's pulling you, that's compelling, that's something you don't know. And you're able to like literally bring this into your world. Now, I'm not gonna lie to you, this is not an overnight sensation. It's something that you build up over time. But it's really beautiful when we're giving ourselves affirmations, which I have like a ton of I am statements. And then we go into E stands for exercise. So doing something of movement. It can be a one minute movement, but like just go for a walk or a jog. Getting moving allows the blood and oxygen to flow to your brain.   like my morning walk, like the shower for my brain, clear out all those cobwebs before I take off, doing something to honor my body which is this beautiful billion dollar asset that I have that I promise and committed to treating her with so much respect and love. R stands for reading. Fill your brain with positive thoughts and ideas to improve yourself. So any type of reading, anything, even if it's like two minutes like you could grab, but it's not scrolling, it's something of positive. Like you'd be shocked at how many books you get through if you'll just read like a page of morning. ⁓   to just fill your mind with something positive. And then S stands for scribing, write a journal to process thoughts and reflect on what you've achieved. So they have the short and condensed version of the savers, because I was like, wow, that feels like a lot. But again, it gave me a roadmap. So like, cool, I do meditation. Then I visualize within my meditation. Then I have affirmations. My husband says his affirmations in the shower. Like, truly, that's not a joke. Or he says that on his drive to work. And then we have our exercise. We have our reading. And we have our scribing.   I have cut a few of these things down. That's like the quick down dirty formula for it. And so for me, what I try to do in my journal is every morning I do what I'm grateful for, accomplishments I had from the day before, because I want to build that momentum. I do my improvements. And sometimes I just do one. I don't give myself any more than three. So my improvement was live in gratitude more. That was my improvement. I just want to see where life is more abundant and beautiful for me. That was my improvement. So it's nothing hard. It's nothing berating. It's truly just that.   I always do a portion of joy, like what was my greatest joy from yesterday? What's my self love? That one was really hard for me. I put that in and I had to write three things that I loved about myself, whether it was physically, mentally. So the one I wrote in here is that I love my brilliant mind. What's wild is like, why are we not our best friend? Like, why do I not look in the mirror every day and be like, gosh, girl, I just love you I'm so grateful for you. Like, why not be the biggest cheerleader for ourselves? So that was a big thing for me. I write down my goals of what I want to achieve.   And then what are my results for that day that I want to accomplish? So that's my scribing. Journaling for some reason makes me feel weird. It's been a few years block for me that I haven't been able to journal. So that's kind of my quick formula. And then just so you guys know, I have my like just a couple IM statements of like four year affirmations. I say, I am creative. I have growth and expansion. I am love. I have divine connection and collaboration. I have self love and compassion. I am honest. I have an abundant mindset. I'm fun and playful.   I have trust and flow, I have queen strength. So those are just a few. And then some of my affirmations are like, my success is inevitable. This is one that I always have like, hold on, I'll read you my favorite one. I'm 100 % committed to being so dang good people can't ignore me. Kierda is a name that is known across the world for good and for changing those she touches through word, deed and presence. And that's who I wanna be. That's how I wanna show up in this world. I also love this one. I am committed. Let me read this one to you.   ⁓ I think this one's just funny. ⁓ I am committed and choose to be happy each day by laughing so hard, doing super fun things weekly. So just some like really fun things for you. I have another one. This was at a time in my life where I did not have great relationships in my life. So it's been on here for almost nine years. It says I am 100 % committed to only having healthy, positive relationships in my life. I immediately cut out toxicity from my life. ⁓   I am 100 % committed to being grateful for the amazing life that is already mine and continue to watch success, joy, money, grace, friendships, employees. Yes, I added employees. Don't worry, that was for surely added. And happiness flowed to me with ease, acceleration, and continuity. So for you, I hope whatever it is, whatever your version of Savers is, whatever your version of Miracle Morning is, that you remember that you are the greatest asset, that you're choosing you, that you are showing up for other people.   This is the dumb analogy that I hate, but it's true. Put the oxygen mask on you first to give to other people. This is your breath of oxygen. This is your, whoosh, is the way to have a simple foundation for you every morning to prime your mind. For me, I feel like, why don't I prime my mind for what I want to see rather than priming my mind for whatever comes in my way? I truly believe that I am a creator of my life, not a manager of my circumstances. And I want to be creating this beautiful, abundant, radiant version of me.   And I hope that you want that for you too. I will tell you when I first started this, 90 % of what I just read to you, I didn't believe and I didn't feel and I didn't think was mine. And over time, after doing it day in and day out, and it's not lying to myself, it's just again, like Jodis Benz says, it's not looking forward and causing anxiety and it's not looking in the past and causing depression, but being present and then co-creating my future life of what I want, what I believe, what I can create, and then allowing that to come to me.   with ease, grace, continuity. So if you need help with this, not only do we coach on dentistry, but we also help people become the best versions of themselves. And I hope that you just take this because life's too short. We are going to have bumps, we're going to have bruises, we're going to have pieces come through. But what I hope is that you're able to find hopefully something in this miracle morning to give yourself the foundation, the ritual, the routine, the system for your life to give you the extraordinary life that you deserve. If we can help you reach out, Hello@TheDentalATeam.com.   I hope you choose you. I hope you choose to love you the most. I hope you realize that giving yourself 10 minutes, 15 minutes a day is the greatest gift you can give yourself for everything that your body and soul does for you day in and day out. Commit, love yourself, and if we can help, like I said, reach out. I'm betting on you and I hope you are too. And as always, thanks for listening, and I'll catch you next time on the Dental A Team Podcast.  

Thabo Shole-Mashao, in for Clement Manyathela, and the listeners discuss concerns by the social development department about the existence of baby saver boxes. They also discuss President Cyril Ramaphosa’s response to the return of dockets to the Political Killings Task Team. The Clement Manyathela Show is broadcast on 702, a Johannesburg based talk radio station, weekdays from 09:00 to 12:00 (SA Time). Clement Manyathela starts his show each weekday on 702 at 9 am taking your calls and voice notes on his Open Line. In the second hour of his show, he unpacks, explains, and makes sense of the news of the day. Clement has several features in his third hour from 11 am that provide you with information to help and guide you through your daily life. As your morning friend, he tackles the serious as well as the light-hearted, on your behalf. Thank you for listening to a podcast from The Clement Manyathela Show. Listen live on Primedia+ weekdays from 09:00 and 12:00 (SA Time) to The Clement Manyathela Show broadcast on 702 https://buff.ly/gk3y0Kj For more from the show go to https://buff.ly/XijPLtJ or find all the catch-up podcasts here https://buff.ly/p0gWuPE Subscribe to the 702 Daily and Weekly Newsletters https://buff.ly/v5mfetc Follow us on social media: 702 on Facebook https://www.facebook.com/TalkRadio702 702 on TikTok https://www.tiktok.com/@talkradio702 702 on Instagram: https://www.instagram.com/talkradio702/ 702 on X: https://x.com/Radio702 702 on YouTube: https://www.youtube.com/@radio702 See omnystudio.com/listener for privacy information.

Aldi is giving away free groceries for a year to 25 customers, Mega Saver has closed on the acquisition of 20 Kum & Go convenience stores in Iowa, and U.S. Army veteran and InComm Payments Vice President Allen Preslar (presler) died unexpectedly on August 19th.

While preparing for a trip with my mom, I noticed our 金銭感覚(kin-sen kankaku - our sense of money) was completely different. I'm a minimalist saver, while she enjoys shopping and new experiences. In this episode, I share our story, introduce useful Japanese vocabulary, and invite you to reflect on your own spending style. Are you more careful with money, or do you enjoy spending freely?

In this episode, we ask: Would you like to read Mark's new book, co-authored with David Barnett, The Business Fortress: How to Grow, Protect and Exit Your Business with Confidence? What are the three musicians? How are annuities like Weird Al Yankovic? What are annuities, anyways? How much income do you want a year? What...

A company called Saver in Batavia, Illinois has developed a new lab-made “butter” product that synthesizes fat molecules from carbon dioxide and hydrogen instead of using plants or animals. Backed by Bill Gates, the product is pitched as sustainable with a much smaller land and carbon footprint, and according to preliminary reports, “looks, smells, and tastes like butter.” Jimmy and Americans' Comedian Kurt Metzger express skepticism about this product, mocking its “natural flavors,” warning about unknown long-term health effects, and recalling past nutrition flip-flops like margarine. Jimmy also skewers elite hypocrisy on climate and food solutions and says he won't be adopting the lab butter without better science. Plus segments on Trump deploying federal agents and National Guard troops to DC to deal with violent crime in the nation's capital and Matt Gaetz revealing that he was spied on by government agents when he traveled as a Congressman to Israel. Also featuring Stef Zamorano and Mike MacRae. And a phone call from JD Vance!

Send us a textHey there, fellow summer survivors!It's Camille from "Call Me, CEO,” and I've got something fun to spice up your sun-soaked days. It's part of our “Summer Sanity Savers” series, dedicated to keeping that pesky “I'm bored” monster at bay! Let's dive into an exciting boredom-busting adventure with three magical bins that can transform your home into a summer haven.Say Hello to the Boredom Buster Bin!This is where the magic begins! Think of it as your secret weapon against mid-summer boredom. Fill it with easy-peasy activities—coloring books, sticker pads, a deck of UNO cards, and maybe some madly lovable Mad Libs. How about adding a “Time for Us” journal? It's something I whipped up on Amazon for parents and kids to unleash their creativity together.Next Up: The Busy BoxWhen you need some ‘me-time,' this box is your go-to. Stock it with puzzles, Legos, or some awesome kinetic sand for sensory fun. Rotate those goodies weekly to keep things fresh. And here's a fun project—punch-needle crafts to create adorable characters and landscapes. It's like introducing your kids to the zen of crafting!Let's Not Forget the Backyard Fun Bin!For outdoor adventures, this bin is a must-have. Toss in some chalk, bubbles, water balloons, and squirt guns. Maybe a bug-catching kit for your little explorers? This bin screams “go outside and play!” Perfect for when the kids have a case of cabin fever and need to get those wiggles out.Keep It Fresh, Keep It FunThe trick is all in the accessibility and the element of surprise. Let your kiddos pick one bin at a time, and swap out the toys regularly to keep their interest piqued. Remember, treasures from the Dollar Store are your best friends in this game of rotation!Wrapping Up the Fun!These bins are your summer superheroes, swooping in to save the day from boredom blues. With them, you'll have a bit more time to breathe, relax, and even enjoy that coffee while it's hot.I'd love to see how you set up your bins! Share your fun creations by tagging me on Instagram at @callmeceopodcast or @camillewalker.co. Found this post helpful? Spread the joy! Share it with another mom who's ready for a calmer, cooler summer. Remember, sharing is caring, and I'm thrilled to have you on this journey. Until next time, stay sane and enjoy the sun!Connect with Camille: Website: CamilleWalker.co Instagram: @camillewalker.co More Episodes: Call Me CEO Podcast Email: callmeceopodcast@gmail.com

Aaron McIntire covers three major stories. First, a shooting at Fort Stewart, Georgia, where U.S. Army Sergeant Quornelius Radford, 28, allegedly shot five fellow soldiers in the 2nd Armored Brigade Combat Team area. Second, President Trump announced Apple's multi-hundred-billion dollar investment to manufacture all iPhone and Apple Watch screens in Kentucky, bringing jobs back to the U.S. Third, Brazilian feminist Isabela Cêpa became the first recognized refugee from wokeism, granted asylum in Europe after facing 25 years in prison for misgendering a transgender politician. Additional segments address Trump's dismissal of Epstein file rumors, Rubio's Ukraine peace talks update, Stephen Miller's fight against financial deplatforming, and Minnesota's new abortion law.    Fort Stewart shooting, Quornelius Radford, Apple investment, wokeism refugee, Isabela Cêpa, Donald Trump, Marco Rubio, Ukraine conflict, Stephen Miller, debanking, Kamala Harris, Tampon Tim, abortion law, AI licensing, college football, NFL fandom

Catch-Up Secrets for Savers 55+ and Does the 4% Rule Really Work? Are you 55 or older and feeling behind on retirement savings? Or perhaps you're wondering how to make your money last once you do retire? Fiduciary financial advisor Wes Moss dives deep into crucial strategies for those 55 and up, including powerful "catch-up" contributions for your 401(k), IRA, and HSA that can add thousands to your nest egg. Also, Wes also reveals the often-debated but incredibly powerful 4% rule, explaining why it's a critical guideline for sustainable retirement withdrawals and how it can reduce your anxiety about running out of money. Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the August 5, 2025 Ask an Advisor episode of the Clark Howard podcast. Submit your questions at clark.com/ask. We hope you enjoy our weekly Ask An Advisor episodes, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments! Learn more about Wes:   BOOKS BY WES MOSS   /   Wes Moss, CFP® Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Before the explosive finale of Deadly Second Chances, we take a deep dive into the dark, action-packed saga of Bella Taibon—Strickfield's most fearsome vampire warrior.In this epic primer episode, we present four interconnected stories by Rob Fields that reveal Bella's journey from grieving orphan to immortal protector, cursed blood-drinker… and maybe the multiverse's last hope.

Delanie Fischer is joined by Danielle Hayden, CEO of Kickstart Accounting, Inc. and reformed corporate CFO, to help you build a simple, shame-free budget—no stuffy suits or cold offices required—based on your Money Personality Type (Perfectionist, Free Spender, Saver, Balance Seeker). If money stresses you out in one way or another, we get it—and Danielle shares how organizing your finances now can unlock major breakthroughs in your life and work for years to come.Plus:+ What Money Conversations Are REALLY About+ Danielle's Top 4 Finance Tools and Apps+ Your First (or Next) Step Tailored To Your PersonalityMore episodes related to this topic:We Should All Be Millionaires with Author, Rachel Rodgers: https://www.selfhelplesspodcast.com/episodes/episode/49826912/we-should-all-be-millionaires-with-author-rachel-rodgersHow To Build Wealth with Delyanne, The Money Coach: https://www.selfhelplesspodcast.com/episodes/episode/1f2d8edd/how-to-build-wealth-with-delyanne-the-money-coachThe Biggest Mistakes We've Made With Money: https://www.selfhelplesspodcast.com/episodes/episode/24ab6fec/the-biggest-mistakes-weve-made-with-moneyLet's Define What Enough Means To YOU: https://www.selfhelplesspodcast.com/episodes/episode/20310cb2/lets-define-what-enough-means-to-youGrowing Up In "The Poor Family" with Ron Fischer (Delanie's Dad): https://www.selfhelplesspodcast.com/episodes/episode/25c5f83b/growing-up-in-the-poor-family-with-ron-fischer-delanies-dadTransform Your Finances with Certified Financial Planner, Hilary Hendershott: https://www.selfhelplesspodcast.com/episodes/episode/d8a76b01/transform-your-finances-with-certified-financial-planner-hilary-hendershottSupport the podcast, vote on topics, and more: https://www.patreon.com/selfhelplessYour Host, Delanie Fischer: https://www.delaniefischer.comSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

There's no shortage of doom-and-gloom in the podcast world—especially in the gold and silver crowd. You know the type. The ones who spend half their airtime warning you that the dollar is about to collapse, the grid will go down, and that only silver coins will save you. I used to buy into that narrative too. I was a card-carrying member of the Zombie Apocalypse school of personal finance. I even listened to Peter Schiff religiously. But as time passed and I realized that zombies would not rule the world, I gradually became an optimist. I believe in the resilience of the U.S. economy. I don't think society is going to crumble, and I'm not prepping for Armageddon. That said, there is one warning from the doom crowd that's absolutely true—and it's not a matter of opinion. It's a fact. The U.S. dollar is losing value. Fast. That might not feel dramatic. But it should. Because it means that if you're sitting on cash—thinking you're being conservative—you're actually guaranteeing yourself a loss. Robert Kiyosaki said it best: “Savers are losers.”It's a clever phrase, but it's not a joke. It's reality. Inflation isn't a glitch in the system—it is the system. In a country running record-breaking deficits and drowning in debt, the only viable solution is to devalue the currency. In other words, print more money. And whether that inflation comes in at a “modest” 2% like the Fed wants, or 7–9% like we saw in recent years, the outcome is the same: your money loses purchasing power. A dollar in 1970 had the buying power of nearly $8 today. So if your dad tucked away $10,000 in a shoebox thinking he was doing you a favor, that money is now worth a little over $1,200. Even the money you saved in the year 2000 has lost nearly half its value. Inflation is the background noise of our economy. It's always there, always working, always eroding. Slowly when things are “normal.” Fast when they're not. So what do you do? Well, if you're keeping large chunks of money in a savings account paying less than 1% interest while inflation clips along at 3–6%, you are, without exaggeration, bleeding wealth every single day. It feels safe. It looks safe. But it's not.It's a bucket with a hole in the bottom. And you don't even notice until it's almost empty. That's why the wealthy don't hoard cash. They own assets that inflate with inflation. They buy things that grow in value as the dollar shrinks—because they understand the system. They don't fight it. They ride it. Real estate is one of the best tools in the game. Home prices tend to rise over time. Rents go up. But if you lock in a 30-year fixed mortgage, your payment never changes. So while the cost of everything else is climbing, your loan stays frozen. Meanwhile, inflation is silently reducing the real value of the debt you owe. You're paying it back in cheaper dollars every single year. Then you've got ownership in productive businesses. Sure, stock prices can swing in the short term. But long-term? Equities in companies with pricing power—companies that can raise prices when costs go up—often outpace inflation. And as an owner, you benefit directly. And finally, there are the scarce assets. Bitcoin. Gold. Precious metals. In a world where central banks can conjure trillions out of nowhere, things that can't be printed tend to hold real value—or even multiply it. This is how the wealthy play the game.While most people are watching their savings accounts decay quietly, the wealthy are stacking assets that appreciate. They are playing offense in a very predictable system. So those are the basics. But let me give you one more ninja tip from the wealthiest real estate investors in the world: You can print your own money by using debt. Think about it. Let's say you buy a $250,000 property this year using a 30-year fixed mortgage. You put 20% down, so you're financing $200,000. Now fast forward three decades.

Do you truly understand the psychology behind your clients' buying decisions? In this episode, Kati Whitledge breaks down the key differences between spenders and savers, offering real-world insights from her book From First Date to Forever. You'll learn how to identify each persona, how to speak their emotional language, and how to deliver a client experience that keeps them loyal for life. Whether you're in beauty, sales, or customer service, this episode will transform the way you connect with your customers.   GET MY BOOK! From First Date to Forever; How to Market Like A Matchmaker: https://joinmya.com/from-first-date-to-forever-book    POWERED BY:  JOIN mya! joinmya.com   FOLLOW KATI WHITLEDGE Instagram: https://www.instagram.com/katiwhitledge/    LET'S CONNECT! BTT Instagram: https://www.instagram.com/beyondthetechnique MYA Instagram: https://www.instagram.com/join_mya/    SPONSORS Join the PBA: https://www.probeauty.org/    Join the ‘Smarter Room' Mastermind with Jay Williams! Click Here to Learn More: https://thejwco.com/a-smarter-room/

In this eye-opening episode of the Jake & Gino podcast, Gino flies solo to interview Chris Miles, founder of Money Ripples, cashflow expert, and former financial advisor turned passive income evangelist. Together, they pull back the curtain on the real problems with traditional retirement planning—and how most people have been brainwashed into believing the 401(k) is their only path to freedom.Chris reveals how he escaped the rat race at just 28 years old by ditching accumulation and embracing cash flow-focused investing. He shares why the FIRE movement gets it wrong, how financial advisors are incentivized to sell—not serve—and why real estate, hard money lending, and infinite banking may offer far better alternatives.Whether you're tired of the "set it and forget it" retirement advice or you're simply looking to build wealth that works now, this episode delivers practical insights and controversial truths.Connect with Chris Miles:https://www.moneyripples.comListen to the Money Ripples Podcast wherever you get your podcasts.Topics Discussed:Why the 401(k) was never meant for the average person The myth of the 4% rule (and why it's actually 2-3%) What most millionaires still worry about in retirement How to escape the saver-scarcity mindset The problem with the FIRE movement and mutual funds Cash flow investing vs. equity-focused investing Building your financial network and foundation Why Chris prefers whole life insurance, real estate, and lending Subscribe for weekly insights on wealth, mindset, and multifamily investing from the Jake & Gino Network.Chapters:00:00:00 - Introduction  00:06:04 - Why Traditional Retirement Advice Failed Chris' Dad  00:07:28 - The Myth of the 4% Rule and FIRE Movement Critique  00:12:28 - Are You Living in Financial Fear? Emotional Ties to Money  00:18:23 - Breaking Intergenerational Money Patterns  00:25:30 - The System Is Broken. Follow the Money  00:30:55 - How to Build a Real Financial Foundation  00:37:20 - The Best Vehicles for Wealth Building in 2025  00:40:47 - Why Equity Is Great, But Cash Flow Is King  00:43:23 - Raw Land, Oil & Gas, and Other Income-Producing Vehicles  00:47:40 - Connect with Chris Miles  00:48:13 - Gino Wraps it Up 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)

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.