Podcasts about Saving

A Note from JamesI'm such a fan of this guy. I loved The Psychology of Money — it felt like he was writing directly about me. I've made a lot of money, lost it all, made it again, lost it again. Over and over. And Morgan gets it.His new book, The Art of Spending Money, hits even deeper. It's not just about being rich; it's about freedom, simplicity, and contentment — the real returns of life. Every word of this conversation is a reminder that money is never about money. It's about independence.Episode DescriptionIn this episode, James sits down with bestselling author Morgan Housel (The Psychology of Money, Same as Ever, The Art of Spending Money) to explore how wealth, happiness, and identity intersect.They talk about why most people spend money to impress strangers who aren't even paying attention, why saving isn't “delayed gratification,” and why independence is the ultimate luxury.Housel and Altucher go beyond finance — into psychology, meaning, and what happens when your identity gets tied up in your success. This is one of the most personal and useful conversations you'll hear about money this year.What You'll LearnWhy the goal of money isn't happiness — it's contentment.How to “purchase independence” instead of possessions.The hidden trap of social signaling and lifestyle inflation.How to build a healthy “psychology of money” that lasts through boom and bust.Why compounding memories might be more valuable than compounding interest.Timestamped Chapters[02:00] “Saving is purchasing independence.”[02:29] Happiness vs. contentment — why wealth brings fewer bad days, not more good ones.[03:00] A Note from James: how Morgan's books mirror his own financial rollercoaster.[04:01] The social trap of spending for admiration.[05:19] Why signaling is universal — and why we overestimate who's watching.[06:29] The three skills of money: making, keeping, and growing it.[07:02] Saving as joy, not sacrifice: how independence is pleasure in the present.[09:08] Why wealth means fewer bad days, not more good ones.[10:00] The quest for the simple life — why simplicity equals freedom.[11:04] James's minimalist experiment: life with one backpack.[12:00] The billionaire's regret — Harvey Firestone and the mansion paradox.[14:15] The psychology of downgrades and why people can't go back.[15:40] Who are you trying to impress? The six people who actually matter.[17:21] Money as a tool vs. money as a scoreboard.[18:35] Why the desire for status falls when you find meaning elsewhere.[21:30] The fear of losing freedom — and how it drives bad decisions.[23:00] Even billionaires worry about losing it all — why fear never goes away.[25:11] Are we wired to worry about money? Nature vs. nurture in financial behavior.[27:39] Envy as outsourced thinking — how jealousy hijacks your decisions.[30:00] The five-minute rule: happiness never lasts, contentment does.[32:00] Saving in your 20s — when it matters and when it doesn't.[33:51] The habits that stick: why early saving teaches independence.[35:29] Why the best memories come when you have the least money.[37:07] Scarcity, gratitude, and why effort creates value.[38:35] Wiping the slate clean: how to escape identity traps.[40:00] Retirement, identity loss, and why former athletes struggle.[42:25] “Keep your identity small.” — lessons from Paul Graham and Tim Ferriss.[45:00] When obsession fuels creation — how James moves between identities.[49:22] Sticking with one thing vs. exploring many — the range paradox.[51:25] The barbell of wisdom: compounding stability vs. compounding experiences.[53:27] The compounding of memories — why they may outlast wealth.[55:15] Simplicity, location, and the emotional geography of memory.Additional Resources

When it comes to money, the issue isn't just budgets or bank accounts—it's identity and ownership.In Christ, we're a new creation and God's dwelling place, which means money is something we manage for the Owner. Today, we'll explore what it looks like to live as God's stewards with Dr. Derwin Gray.Dr. Derwin L. Gray is a former NFL player turned pastor, author, and speaker. He co-founded Transformation Church in South Carolina and is the author of multiple books on faith, discipleship, race, and gospel-centered unity.From Ownership to StewardshipOne of the most significant shifts we can make as followers of Christ is to stop thinking like owners and start thinking like stewards. Scripture makes the point that: “You are not your own, for you were bought with a price” (1 Corinthians 6:19–20).God doesn't want something from us—He wants something for us. He longs for us to share His generous heart, free from the grip of idolatry. When Jesus said in Matthew 6:24, “You cannot serve both God and money,” He drew a line we cannot straddle. Money is a tool to serve God's purposes, not a master to rule our lives.A powerful illustration of this danger can be found in The Lord of the Rings. Smeagol, once a hobbit, discovered a ring of dark power and quickly became consumed by it. Calling it “my precious,” he was slowly deformed—body and soul—by his obsession.Money can do the same thing when it takes God's place in our lives. Instead of being a tool to serve God, it becomes a master that warps our hearts and dehumanizes us. But when grace reshapes our perspective, we see money for what it truly is: not a god to worship, but a resource to manage for God's glory.Generosity Flows from the GospelThe Apostle Paul wrote in 2 Corinthians 8:9, “You know the grace of our Lord Jesus Christ, that though He was rich, yet for your sake He became poor, so that you by His poverty might become rich.”Generosity is not our idea—it is God's nature. Giving is worship, an overflow of gratitude to the One who gave Himself for us. When we give our first and best to God, we not only honor Him but also discover peace, freedom, and deeper trust.This isn't only about giving. Stewardship encompasses saving, investing, and living debt-free. But generosity is foundational. When we trust God with our finances, we learn to trust Him with every other area of our lives. Our High CallingWe are not owners. We are managers of what the King of kings has placed in our hands. Every dollar entrusted to us is an opportunity to worship Him, serve others, and reflect His generous heart.When we embrace this calling, stewardship stops being a burden and becomes a beautiful privilege. How might God be inviting you to live more fully as His steward today?On Today's Program, Rob Answers Listener Questions:I had to retire early because of health issues for both me and my wife. As a custodian, I wasn't able to save much, and now we're living on about $2,400 a month from Social Security. What's the best way to wisely manage these limited resources?I'm 80 years old and have been taking required minimum distributions from my IRA for about ten years, giving some of those funds to charity each year. When I pass away, my children will inherit the IRA. Will they need to continue taking required minimum distributions?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Transformation Church | I Am A Steward (Sermon by Dr. Derwin Gray)Wisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Russillo opens with the Giannis-Knicks story and the biggest red flags for the Bucks, even if it's unlikely to happen. Then, ESPN baseball writer Jeff Passan stops by to talk about Aaron Judge saving the Yankees, the disappointing Phillies, and more MLB playoffs. Plus, he sticks around for some Life Advice, including questions about a major hater and a party faux pas. (0:00) Welcome to the show! (1:47) The Giannis-Knicks smoke (14:55) Jeff Passan stops by! (15:17) Aaron Judge saved the Yankees season (23:22) The disappointing Phillies (34:13) How the Brewers got here (45:36) Sneaky rooting for the Mariners (59:13) Life Advice with Passan! Host: Ryen Russillo Guest: Jeff Passan Producers: Kyle Crichton, Steve Ceruti, and Jonathan Frias _ _ _ This episode is sponsored by State Farm®️. Don't settle for just any insurance when there's State Farm. The Ringer is committed to responsible gaming. Please visit www.rg-help.com to learn more about the resources and helplines available. Learn more about your ad choices. Visit podcastchoices.com/adchoices

In this solo episode, I'm breaking down one of the most important concepts on the path to financial freedom, the difference between saving and investing, and why you need both. I share how growing up with a single mom and grandmother who were natural savers taught me early lessons about money, and how those habits helped me buy my first condo at 22. But I also talk about how saving alone wasn't enough, I needed to learn how to make my money work for me through investing. I walk you through what saving and investing really mean, how they serve different purposes, and how using both intentionally can help you build stability now and freedom later. In This Episode, I Share: How saving creates safety and peace of mind, while investing builds long-term wealth and freedom. Why inflation quietly eats away at your savings if you're not investing. My simple rule of thumb, build your emergency fund, pay off debt, invest consistently, and keep saving for short-term goals. The real difference in growth; how $10K can become about $10.5K in savings but over $46K when invested long term. Other related blog posts/links mentioned in this episode: Apply to Share Your Journeyer Story, here. Join the Journey to Launch Book Club to dive deeper into financial freedom with guided discussions and resources here!  Get your copy of my book: Your Journey To Financial Freedom Join The Weekly Newsletter List to get updates, deals & more! Leave Your Journey To Financial Freedom a review! Get The Budget Bootcamp Check out my personal website here. Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! YNAB –  Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link. What stage of the financial journey are you on? Are you working on financial stability or work flexibility? Find out with this free assessment and get a curated list of the 10 next best episodes for you to listen to depending on your stage. Check it out here! Connect with me: Instagram: @Journeytolaunch Twitter: @JourneyToLaunch Facebook: @Journey To Launch Join the Private Facebook Group Join the Waitlist for My FI Course Get The Free Jumpstart Guide

Today, Kemi Badenoch gave a speech at the Conservative party conference. Adam, Chris, and Henry Zeffman were listening and give their immediate reaction.She announced a flurry of new policies, including abolishing stamp duty and introducing a fiscal “golden rule”. Did she manage to silence her critics? And is her job as party leader, at least for now, safe? She also attacked Labour for the collapse a case of two men accused of spying for China, which they deny. But is she right to accuse the government of “sucking up to Beijing?”You can now listen to Newscast on a smart speaker. If you want to listen, just say "Ask BBC Sounds to play Newscast”. It works on most smart speakers. You can join our Newscast online community here: https://bbc.in/newscastdiscordGet in touch with Newscast by emailing newscast@bbc.co.uk or send us a WhatsApp on +44 0330 123 9480.New episodes released every day. If you're in the UK, for more News and Current Affairs podcasts from the BBC, listen on BBC Sounds: https://bbc.in/4guXgXd Newscast brings you daily analysis of the latest political news stories from the BBC. The presenter was Adam Fleming. It was made by Rufus Gray with Shiler Mahmoudi and Lucy Gape. The social producer was Elizabeth Chalmers. The technical producer was James Piper. The assistant editor is Chris Gray. The senior news editor is Sam Bonham.

Let's be honest: if your kiddos leave a trail of half-finished projects, open browser tabs, and idea explosions in their wake, you are SO not alone. Neurodivergent kids (and their amazing, multitasking moms!) can struggle with seeing things through—not because they're lazy or unmotivated, but because the finish line often feels fuzzy, overwhelming, or just plain boring. In this week's episode, we're unpacking: Why finishing is tough for neurodivergent kiddos, whether it's next-step anxiety, perfectionism, time blindness, or working memory hurdles. The power of “done statements”—specific, clear criteria for what finished actually looks like. (Think: “This is done when you've done 10 math problems with all steps shown” or “Laundry is done when it's in the drawer and the basket is empty.”) Works-in-progress (WIP) limits – One “now” and one “next,” with everything else safely parked and waiting. (Idea overload, be gone!) Quick wins and tiny products: Get something DONE in a day with a postcard summary, a 3-slide deck, or a 60-second voice memo. Saving progress rituals: So nothing gets lost, and future-you can jump right back in—next steps, photos, and all. Keeping motivation up: Dopamine logs, gallery walls, and flexible closure routines—because DONE is more important than PERFECT. Lots of love for all our creative, innovative kids (gifted, 2e, ADHD, autistic, and more). Remember—these strategies are for real families, with real kids, and I promise you, they WORK.   Links and Resources from Today's Episode Thank you to our sponsor: CTC Math – Flexible, affordable math for the whole family! The Lab: An Online Community for Families Homeschooling Neurodivergent Kiddos The Homeschool Advantage: A Child-Focused Approach to Raising Lifelong Learners Raising Resilient Sons: A Boy Mom's Guide to Building a Strong, Confident, and Emotionally Intelligent Family The Anxiety Toolkit Executive Function Struggles in Homeschooling: Why Smart Kids Can't Find Their Shoes (and What to Do About It) How Adventuring Together Grows Confidence, Curiosity, and Executive Function Understanding Executive Function Skills in Gifted and Twice-Exceptional Children Strengthening Executive Function Skills: A Conversation with Sarah Collins Strengthen Executive Function Skills The Best Books for Teaching About Executive Functions Skills 7 Executive Functioning Activities for Small Children RLL #84: Exploring Education and Executive Function with Seth Perler The Unmeasured Executive Functioning Issue Why Typical Organization Systems Fail Neurodivergent Homeschoolers and What Works Instead When Working Memory Looks Like Defiance Finding Your People | Why Community Matters for Homeschoolers of Neurodivergent Kids Building Flexible Thinking Skills in Your Neurodivergent Child Why Decision Making Feels Overwhelming for Neurodivergent Kids and How to Help  

When we think about financial threats, inflation, taxes, and debt are often the first that come to mind. But Scripture tells us there's a deeper, more dangerous threat—covetousness. Left unchecked, it poisons our joy, drives us to make poor financial choices, and blinds us to God's generosity.Covetousness is more than wanting what we don't have. It's a disordered desire that whispers: “I must have that to be happy, safe, or fulfilled.” Paul warns in Colossians 3:5, calling covetousness “idolatry.” Why? Because it dethrones God and places possessions on the throne of our hearts.In our finances, covetousness often manifests subtly—comparing our homes to those of our neighbors, upgrading cars that are still running well, or chasing investments out of envy. These patterns reveal misplaced worship.The Antidote: Contentment in ChristThe opposite of covetousness isn't deprivation—it's contentment. In Philippians 4:11–13, Paul testifies that he has learned contentment in every circumstance through Christ's strength.Contentment doesn't come naturally—it's cultivated. And when we trust in God's abundance, we no longer grasp at what others have. Instead, we rest in His provision. Think of Jesus feeding the 5,000: what looked like scarcity became abundance in His hands.Social media magnifies our envy, turning vacations, houses, and life stages into comparison traps. The tenth commandment—“You shall not covet”—goes straight to the heart, reminding us that God cares not just about our actions but about our desires.If you feel this struggle, take heart—you're not alone. The Spirit empowers us to shift from envy to gratitude, from restless striving to restful trust.Practical Steps to Combat CovetousnessFighting covetousness is not about self-shame—it's about redirecting our worship. Here are three practices rooted in Scripture:Practice Gratitude—1 Thessalonians 5:18 calls us to give thanks in all circumstances. Keeping a daily gratitude list shifts focus from what's missing to what God has given. Budget as Worship—A budget isn't just restrictive—it's a discipleship tool. By directing money toward giving, saving, and wise spending, we declare, “Lord, I want You to guide my resources.” Give Generously—Paul urges believers to “be rich in good works, generous and ready to share” (1 Tim. 6:18). Every gift declares that our identity is not in what we own but in who owns us.Redirecting Desire Toward ChristJesus warns in Luke 12:15: “Take care, and be on your guard against all covetousness, for one's life does not consist in the abundance of possessions.” The rich fool who built bigger barns illustrates the danger of letting wealth replace intimacy with God.Covetousness dies when Christ becomes enough. Hebrews 13:5 reminds us: “Keep your life free from love of money, and be content with what you have, for He has said, ‘I will never leave you nor forsake you.'”At its root, covetousness is a worship issue. We long for what others have because our hearts are restless for the only One who satisfies. St. Augustine put it well: “You have made us for Yourself, O Lord, and our heart is restless until it rests in You.”The cure isn't less desire but rightly directed desire—desire fulfilled in Christ. When we practice gratitude, budget as worship, and live generously, we shift our gaze from possessions that perish to a Savior who is more than enough.On Today's Program, Rob Answers Listener Questions:We sold our house after some delays, but in the meantime, I withdrew funds from my IRA, intending to pay them back within 60 days. Since the sale took longer, are there any IRS rules or options to reduce the taxes on that withdrawal?I'm turning 59½ and retiring early. I have a TSP and the option to roll it into a fixed index annuity with a bonus from Allianz. What's your perspective on this type of annuity?We sold a property through owner financing after owning it for 15 years, though it wasn't our primary residence. When should I report the taxes, and is it treated as a long-term capital gain? Is there any tax benefit to having held it long-term?My sister has money sitting in a savings account that earns very little interest, and my name is also on it. Since she doesn't use email, could I open a joint high-yield online savings account with my email, transfer the funds there, and earn more interest?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Christian Community Credit Union (CCCU)Wisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

How can AI really help advance medicine? Should patients and care teams be seeking second opinions from LLMs? This week, Reid and Aria sit down with physician-scientist Dr. David Fajgenbaum, who repurposes existing drugs to save lives—including his own. David shares his journey from receiving last rites as a young medical student to co-founding Every Cure, a nonprofit using AI to come up with ways existing drugs can be repurposed to treat every disease and every patient possible. On this special episode, filmed live in New York City, David, Reid, and Aria explore the circuit of hope, action, and impact that drives medical discovery; the technical and ethical challenges around accelerating AI in healthcare; “agent optimization” as the new “search engine optimization;” and what a future of faster diagnoses and treatment could look like. The result is a conversation about resilience, innovation, and unlocking cures that are already within our reach. For more info on the podcast and transcripts of all the episodes, visit https://www.possible.fm/podcast/  Topics: 3:00 - Hellos and intros 3:29 - A promise to his mother and the origin of AMF 6:23 - From grief support to medical school 9:18 - Near-death experiences and founding a research network 14:38 - What kept David going at death's door 16:19 - Discovering a potential treatment and testing it on himself 19:42 - Why drug repurposing is a faster, cheaper complement to drug discovery 22:14 - Co-founding Every Cure and scaling discovery with AI 25:20 - Demo: Building MATRIX and how the algorithm makes predictions 28:41 - Breast cancer and Lidocaine as a case study 30:07 - Why human review is essential in AI for medicine 34:08 - Car exhaust fumes example and FDA pathways 37:31 - Reid's surprise million-dollar donation for Every Cure compute 39:24 - What AI can unlock across healthcare 41:46 - Building an impact team to close the repurposing loop 47:32 - Improving systemic incentives for generics 54:58 - FDA approval pathways and label change challenges 57:21 - Three life-saving repurposing stories 1:02:20 - Rapid-fire questions Select mentions:  Hidden Potential by Adam Grant Chasing My Cure by Dr. David Fajgenbaum Every Cure  David's TED Talk: https://youtu.be/sb34MfJjurc?si=GcVleWHZuJ9MqLgS Manas AI Possible is an award-winning podcast that sketches out the brightest version of the future—and what it will take to get there. Most of all, it asks: what if, in the future, everything breaks humanity's way? Tune in for grounded and speculative takes on how technology—and, in particular, AI—is inspiring change and transforming the future. Hosted by Reid Hoffman and Aria Finger, each episode features an interview with an ambitious builder or deep thinker on a topic, from art to geopolitics and from healthcare to education. These conversations also showcase another kind of guest: AI. Each episode seeks to enhance and advance our discussion about what humanity could possibly get right if we leverage technology—and our collective effort—effectively.

Part 2 of podcast guest Dr. Lauryn Brunclik (of She Slays the Day podcast fame) and her conversation with Kiera. In this follow-up to Becoming Business Savvy with a Clinician-First Mindset, the pair discusses seeking other revenue streams to obtain financial freedom. The chat includes fixing your pricing structure, living below your means, understanding the spender and saver mindsets, time management, and more. Episode resources: Subscribe to The Dental A-Team podcast Schedule a Practice Assessment Leave us a review Transcript: The Dental A Team (00:00) Hello, Dental A Team listeners, this is Kiera and welcome back to part two of my chat. If you liked part one, you are going to absolutely love this. I am so excited and I can't wait to dive right in.   Kiera Dent (00:10) Lauryn, I'm very curious. Like you've talked about it at length. Like what do people do? Like what's the how, how do we get into this?   How do we have multiple streams because agreed all eggs in one basket? gosh. It's, ⁓ to me, that's like just a ticking time bomb. Like one bad day, one bad patient, one bad procedure. Like it's just going to explode because you're sitting like you're sitting on the edge of fear all the time to where you are in like cortisol adrenaline, like you are pumping. And then what you do is you go into complete shutdown because you can't handle it anymore. So your body and your system literally like just shuts down on you. You become apathetic to life.   Dr. Lauryn B (00:23) Mm-hmm.   Kiera Dent (00:44) things aren't exciting for you anymore. You become very numb to walking through the world. And it's like, I feel like the world of color goes into very like gray. It's very subtle. It's like, it's, there's no, there's no life left. It's just, are living life, but you're not actually being and living day in, out. So what are some tacticals? Like I'm so curious. I love to hear that.   Dr. Lauryn B (01:04) Well, so,   I mean, ultimately what you have to, I'm no cashflow expert. My husband would like laugh, not, he wouldn't laugh. He'd just be like, what's she gonna say right now? So like cashflow will multiply the more you start putting your money to work, okay? So it's very, very, step one is simple. It's exactly what you said. You have to have cashflow coming from your clinic.   Kiera Dent (01:14) okay.   Dr. Lauryn B (01:33) You have to. Like, you need to spend less money than you are bringing in. Okay?   Kiera Dent (01:42) Ooh, love that. Ding, ding. All right, great. Got it, team. Got it all.   Dr. Lauryn B (01:45) Like, so it's   it's simple. what did you say? Like you said, there's only three ways to make it happen. Like lower your overhead. Yep. Yep. See more people. Yep.   Kiera Dent (01:50) There are, either cut your costs, increase what you're producing. like for how many patients you're seeing and   or collections, because a lot of times you're producing enough, but we're not collecting the money that we're actually producing. that then costs, people are have no money. And I'm like, you have 500,000 sitting in your AR that's not collected. So you actually have money. You just have a broken system of how to collect it. And to your point, my husband said this very early on when I started that company, he said,   I care, don't lose money. He was like, yeah, I'm not going to give you any rules, any parameters. He's like, just don't lose money because that's going to cause a lot of strain on us. And I thought about that a lot. It's like, ⁓ I guess that's a great, a great plan. Like it's really been a good thought for me. But it's like, if you are going to lose money on having a business, go be an associate for someone else. Like it's a hobby at that point. It's not a business. So I'm like, if you're not going to have your business make money for you, like truly no judgment.   Dr. Lauryn B (02:24) Thanks, husband.   Yes.   Kiera Dent (02:44) go honestly be an associate, go work for someone else so you're taking home a paycheck. When owners are working for themselves and making less than they are as an associate, I'm like, we have a big problem here. And now you're mad because you got way more problems. You can't just clock in, clock out and leave for the day. And I'm like, that's actually not a business. That's a hobby. And it's a bad hobby. You have no freedom. No, it's delusional. No.   Dr. Lauryn B (02:57) Mm-hmm.   And they're like, but I have the freedom when I'm the owner. You don't have freedom? can't afford a vacation. what? You have   no freedom.   Kiera Dent (03:11) Stop lying to yourself just because you own a business. People are like, I wanted this texture, have more time. And I'm like, yeah, tell me how that's going for you. Probably not great. All right, so we gotta have a business that actually cash flows. Simple stuff.   Dr. Lauryn B (03:16) How's that working for you? Yeah.   Yes, so step   one is very simple, but not is you have to fix the pricing structure, the collections, your payroll blow. You need to look at the profit margins of your clinic. Very easy, very difficult, but very easy.   Kiera Dent (03:37) And they're   industry specific too. I don't know how it is in chiropractic, but I know in like dentistry, we say right now, even with all the things like I want 30%, we're talking all things, fringe benefits, 401k. Like 30 % for payroll, 25 to 30 is about average. And we aim for, I don't know how it is in chiropractic, but I aim for a 50%, not including doctor pay, 50 % overhead in dental practices, 30 % of doctor pay, because I'm like, that's what you're gonna get paid as an associate. It's like, let's at least pay you that.   Dr. Lauryn B (03:45) No, that's pretty yeah, that's pretty healthy. ⁓   Kiera Dent (04:04) And then hopefully we've got a 20 % profit, but that profit debt services click in and that's a real fun zone and taxes. Like I love it. No, you're not getting your W two people are not taking taxes out. You own this business. All that money comes to you. So do not get trapped in that like tax trap. but like, like that's a very simple formula and you look, what is my supplies? What are my rent? Like, what are all those things? And if you figure out the benchmarks, then you know, which one am I bleeding money on quickly fix that hole. So we stopped bleeding it again.   It seems so hard. And you and I are on the other side of that equation saying, no, actually it's like real simple. You just look at it real quick, figure out what it is. You can build your practice to support whatever numbers you need, or we cut. Usually it's easier to increase production and collections than it is to cut. But a lot of people are just overspending in ridiculous ways that I'm like, no, no, no, no, no. Like I have a practice, I looked at their numbers. They shouldn't giggle. I did giggle, because I was shocked. They're like, here, we have no money.   And I was like, all right, send me your P &L. Let's take a look at it. So I did. Year to date, they produced 528,000. So they're doing about 85,000 per month is what I calculated when I ran the numbers. But when I looked at their take-home pay, they're taking home, so it's 528. I'm super happy for them. Like don't, there's no judgment on that. They're taking home 250,000 of that 528 is going to the doctor, which again, I'm happy that they're taking home the money. But what's happening is the practice is not producing enough for that.   They're running all their kids through it. They're running their cars through it. They're running everything through it, which again is not a bad thing. But if you don't have cash in your business to hire people, I was like, we're a little off on the percentages.   Dr. Lauryn B (05:37) Yeah. One of my favorite things to teach people   is because people are like, I just want to learn tax strategy. I want to learn tax strategy, tax strategy. And you're like, okay, here's the thing about tax strategy is you can only do tax strategy. Can't see I'm doing air quotes here. If you have money that you don't want to give the government, if you are spending   Kiera Dent (05:47) you   Mm-hmm. Air quotes, I see them.   it.   Dr. Lauryn B (06:06) much as you make and the government's like, yeah, you're good. You don't know anything. Like there's no strategy to be had. Strategy can only apply to profits. you know, like to money you've made. So, so that's where it's like, okay, I get that you really want tax strategy, but like you're, you don't need strategy yet. You just need to create more.   Kiera Dent (06:09) There is no tech strategy. ⁓ That is a tech strategy. No.   Yes.   You   just need money to then pay taxes on. Then we can talk about what it's gonna be. Yes.   Dr. Lauryn B (06:37) Yes, then we can talk strategy.   But yeah, so like that's where it starts. The next hard part, and this is where I kind of touched on like, we went into this career because we believed this career was gonna take care of us while we took care of other people. And so everybody's got a little different version of what that means. ⁓ What car they think they should be driving.   Kiera Dent (06:42) That's a point.   Ready.   Dr. Lauryn B (07:06) once they have made it, what ⁓ their house situation should look like, how many vacations, their spouse, if they're buying their spouse, designer bags and things like that. Like we have in our head once we make it, what life will look like. And so after you fix your cashflow thing, the next thing is like,   you gotta kind of continue to live below your means for a while. Because if all of a sudden you've fixed your profit margins and you have an extra $30,000 flowing into bank accounts a month that does not have a job, like, you're just like, we're gonna move into a bigger clinic, we're gonna hire another doctor, we're gonna do this. And all of a sudden that...   Kiera Dent (07:58) Let's go!   Dr. Lauryn B (08:04) that potential, but like you have to have money in excess to build wealth upon. If you fix the first problem, which is we don't have enough money, okay great, now you have enough money, and then instead of building wealth, you buy a Birkin, which I still keep sending my husband all of the memes and reels that like Birkins are apparently, you know, they are also   appreciating, they're beating the S &P. So I'm just saying maybe a Birkin was a bad example because that would be an investment. ⁓   Kiera Dent (08:36) See?   I why not? think there's a   lot we could probably justify in the investment realm. Like it's fine. I'm here for it.   Dr. Lauryn B (08:46) Right, right. But   no, you know, if it's like one of those things where if you just lifestyle inflate after you fixed your cashflow issue, what's going to happen is, is you're going to still be, you're going to have like golden handcuffs where you're like, well, yeah, the clinic is bringing in 1.2 and like, yeah, I do keep 350 of that, but I still.   like I'm paying off my student, because your student loan payment now is increasing and like this and like your mortgage and all of this stuff. And you're gonna, you have the potential if you're not careful to feel just as squeezed financially, even though you've gone to the next level of salary and income, but you can still feel that exact same financial scare. And so like that's another thing where it's like, okay, you have to figure out,   the balance for you and your spouse because like my husband, ⁓ my husband is definitely, so this is from Garrett Gunderson. He's a really great financial wealth advisor. don't know if he's in your guys's world. Yes. Okay. Yes. So he was on my podcast and he was talking about how basically within all the   Kiera Dent (09:53) I love him.   Definitely. We love him.   Dr. Lauryn B (10:04) that he's coached people through, there's basically, he used a different word, but right now I'll just call it the the saver and the spender. Okay.   Now the spender tends to be the visionary, the CEO. It tends to be the person that's like taking the risks to build the things. They're like, we had a record year, we're   reward ourselves, we're gonna do this, we're gonna do this, life is fun, this is great, this is like a... And then they often marry a ⁓ saver that is just like...   I don't need all of that. I don't need another vacation. I don't need a fancier car. I don't need this. ⁓ And it can actually make them very uncomfortable that, you know, so my husband is, we'll call it   saver. ⁓ And we go, I mean, our travel budget a year is insane.   we should definitely be putting that towards crypto and like buying a duplex and like building more. But   Kiera Dent (10:57) you.   But why? But why?   Dr. Lauryn B (11:04) If someone told me like, no, no,   no, here's the plan. You get one trip a year and then we're gonna just like   all of this money and then you can start around 45, like, know, and then at 50, it'll open up a little bit more. Like, I'd like, well, that's no fun. I don't want that. And so you have to figure out, because there's a ditch on both sides of the road, right? And so you have to figure out like, when do you want to retire?   Kiera Dent (11:28) Mm-hmm.   Dr. Lauryn B (11:33) Like what is that number? What is that freedom number? How much money do you need coming in in like passive investments? Like how much do you need your crypto portfolio to be doing? Like your real estate portfolio. What's that number of monthly income or annual income? And when do you want to get there by? And this is going to be so dependent on whoever you're talking to.   if you're 50 and you're like, I want to get there by 55.   and you're starting,   not great. Like, yeah, okay, you know what? Your travel budget, you just need to not worry about that for five years. Like, you got some work to do. But like, if you're sitting here at 35 and you're like, I'd like to retire by 50, and like, I still wanna take our kids on some vacations, but I do think we should be, you know, then you just gotta pick where are you pinching pennies? Like, because you gotta pinch them somewhere. So like, maybe it's...   not designer handbag season. Maybe it's not getting the newest vehicle. Maybe you'd rather live in a bigger house, but drive a more reasonable car. Whatever it is, maybe you have no problem giving up vacations, but you need that pool in your backyard. Again, there's a ditch on both sides. think that as this couple, you need to come together and figure out.   that equation where even after you're getting some of these doctor luxuries that you've worked hard for, there's still money left over that is being invested wisely.   Kiera Dent (13:13) love Lauryn that you talked about Garrett Gunderson and I love that there's the saver and the spender in every relationship because this happens like it's a real thing. ⁓ And I love that you talk about like, okay, one step one is like, you got to make money and you got to keep the money. So it's like, make the money and keep the money. I have like, okay, if we could just follow that. Jocko Willings, he's got a quote. This is like discipline equals freedom. And it sits in my kitchen, which I think is a very smart place to stick this sign. I see it all the time. And I'm like, that really is step one is like discipline on this.   Dr. Lauryn B (13:28) Make the money, keep the money.   Kiera Dent (13:43) And I think that there's like, one of our consultants, says, choose your hard. And I think about this, like both sides have a hard, like spending all the money has a hard of like being broke. Saving the money has the hard of you've got to actually put like parameters in place. So both have it. But for me, I'd rather sleep at night knowing I've got money in the bank rather than like sitting there wondering how I'm going to make payroll. Like to me, that's the hard I would rather choose. I would not rather not choose the other side. So I'm going to be disciplined there. And then,   I really started working on and I heard at a conference about like just an easy way. Cause my husband, I'm the spender. He's the saver. And it's really thrilling for me because I felt annoyed. I felt like I was dragging him like an anchor. Like we were going on vacation. We're buying the cars and like, don't like cut my wind out of my sails. Like I was so angry about it. So we actually had to make a vision board of both of us. Like what are his dreams and what are my dreams? And we like co put it up on the wall. It literally sits in our bedroom. And it was one of the best things I ever did because he wasn't able to see what inspires me and what I'm excited about what   what's important to me. And I was able to see what's important to him. We also figured out like what's our BAM, our bare ACE minimum as a couple and where we want that. And then when you're talking about like the savings, I really found this awesome principle where it's kind of like, ultimately, what does it actually cost you to get to financial freedom? And when I did this exercise and I do it with a lot of clients, you can actually break it down. like, what does that like, bougie, whatever life you want that to look like, what does that look like? What's your mortgage? What's your HOA? What's the internet? What's the utilities like?   What's our groceries? What's our food bill? What's our children bill? Like how many cars do we have on this? And like literally build that out to what's like my highest end. And then you actually scale it back down to basically like, what's my security bucket? Like for me to just survive, like you said, like the monks, like what is it for me? Like scrap it all down. Let's go back to dental school. Let's go back to chiropractic school. Like when I was at my like most broke, but I could scrap like you guys, can top around and like a boss, like I know I could get through. So like, what is my like minimum amount?   Then what I do, so basically taking that all the way up to my financial freedom, like where I've got money making money, it's a money making machine for me. And then how do I actually break that down? So I've got security, then I've got like growth, then I've got independence, and then I've got freedom. And then beyond that are like your prosperity and your legacy buckets. And so when I look at this, it's like, you basically just chunk it down. And what I mean, I'm such a nerd, I really am. I've like learned to fall in love. I like took that amount of like total dollars.   Then I looked at like, how much money do I actually need to make? What tax bracket am I in? How much do I need like pre and post tax? Like again, total nerd side on my side. But then I was able to look and I'm like, okay, for this practice, I know that for them to be like, just baseline, they need to be making about a hundred grand a year. Like that's pre-tax. So we know like we're to take tax out. We can survive. That's like our security. Then our growth goes up to 202 post-tax. Then our independence is at like 553. Well, now I know my mile markers of what I need to do. And I also have those parameters. you said, where am I going to penny pinch?   This does not mean that I don't have certain luxuries, but it means that I'm like, it's like a gradient and I'm able to see what I'm working towards. And I remember my CPA, he told me once he said, Kiera, it actually becomes a lot easier to make money. And like once you, like in a few years, once you've bought a few of the things that you really are looking for, and I was like, you're full of it. Like, I don't believe you for a second, but it's true. Like as you evolve.   You buy the things you want, you get the house that you want, you get the car that you think you want, you get the designer bags, like it's not all overnight. And then you're like, wow, I have a decent amount because I've learned to make the money, save the money, not spend everything that I've got. I'm able to then plan for these purchases that I want. I love Profit First, Mike McAllags. He's like my fangirl central every time he's on the podcast. I like just love him so much, but I'm like, okay, then I have buckets. have my travel bucket. And you're right, Mike, my travel.   Dr. Lauryn B (17:18) yeah. Sweep account. Sweep! ⁓   Kiera Dent (17:28) amount, that's something that fuels me. So we pump money into a travel fund, but we have those to where I now have budgets and our clients have budgets and you can have budgets. And it's not for me, clients have even told me that's more freeing than it is otherwise, because they actually know I can spend this money guilt free and go on the trip. can go and buy this car guilt free because I have the money.   Dr. Lauryn B (17:46) Mm-hmm.   And that's probably really   helpful for your spouse too. A lot of times the saver spouse, like it's hard for them until there's like an act, like that's the permission they need of like, no, we ran the numbers and we like this amount of money was proportionally taken and it's there. It's only to be spent on this. And they're like, okay.   Kiera Dent (17:52) Thanks.   Yes.   Yes.   Okay. And then the spender feels good because they're not just blowing all the money. So it's on this like, it's a good balance, but I love it. Like it's very simple. And now I'm very curious, Lauryn, because you've talked about like not having your business as your only asset, like that's cash flowing for you. Once we've got a simple, we like make the money and we keep the money like check that off. Then we go into these like, I love the idea. There's a ditch on both sides of the road. So which one are we going to do? We figure out like, what do need today? What are my future like?   Dr. Lauryn B (18:28) Mm-hmm.   Kiera Dent (18:41) kind of nice purchases that I want to, how do I build up to these other ones that I can save for? What's my total number? Like I know my number for financial freedom is psychotic. When I look at that, it really is. I actually have it.   Dr. Lauryn B (18:51) Is it really? Because I'm   interested that you said that because most people when they do that exercise are kind of like, ⁓ it's surprising to them that it's actually not higher. like, so.   Kiera Dent (19:12) Well, let me just clarify.   Let me ask this for you, Lauryn. What I found is for me to hit like my security, my vitality, my independence. Like we're talking like pretty much up to freedom. I'm actually it's good. Like we're there, but my absolute freedom, like where I never have to work another day in my life for me, that number, that number is a little more extreme. That one, but like even looking at it now, cause when I told you, I'm like, it's psychotic. I just pulled the spreadsheet up. What's fun though is I built this.   Dr. Lauryn B (19:30) ⁓ okay.   Yeah. Okay, the like I quit number, the like.   Kiera Dent (19:42) gosh, I like I should honestly look, I think I built this spreadsheet, I'm going to we're gonna hold everybody I know you're like on pins and needles, I'm just gonna scroll back to when I actually made this. It's on Google Sheets, you can go back to like when it was built. So I built this and I think this is really just telling for people I built this in 2022. So May 13 2022 at 1026 am is when I built it. We're now recording this in 2025. So we're only talking just over three years since I originally built it.   I told you Lauryn that my number for absolute freedom, we're talking like I put it all because I have a jet in there. I have a charter jet. I have a private like I put all these things like it was just I have like I want to   Dr. Lauryn B (20:17) You have a jet in there? Okay, well most people when   they do the exercise the way I have them do it aren't putting jets in there. I love you, Kiera. Okay, we're gonna stay friends because I want on that jet. Kiera error.   Kiera Dent (20:25) Like I'm telling you this is my absolute freedom. This is the absolute absolute like here is living this life I mean girl you can come cuz I just like   I wanted to see like what does this look like and I want to have like I don't want to retire in a retirement home I want to live in a villa like I've got some pretty lofty things in this like we're talking I went for like   Dr. Lauryn B (20:41) Right. Did you put the pilot   costs in there too or does that just come with a jet?   Kiera Dent (20:45) So my husband actually wants to be a pilot. So that's already like built in. So I've got like that. I also have friends that are pilots like, you know, yellow, we're gonna have that. Thank you, thank you. So on that, and I actually went through this, like I built it the first time, but we're talking three years. And I look at that to have that absolute freedom. The annual income pre-tax would be 4.6 million, which that can sound like an outlandish number. However, based on where the business is now, it's not that outlandish. And that was just a short.   Dr. Lauryn B (20:49) Okay. Okay. Okay. The jet makes a little more sense now, but yeah, got it.   No, it's doable.   Kiera Dent (21:15) three year period where I'm like, I mean, we got a jet, I got play money. mean, guys in-house chef, live in nanny, we've got all the cars, I've got my Lambo, I've got chartered flights in there, like you name it. And I look at this and I often assess because Kiera three years ago wanted some of these things and Kiera today might look at that and be like, know, I actually don't want these things, but this is what I'd rather. I'd rather like buy a house for my parents or I'd rather do this, but you will shift and change.   Dr. Lauryn B (21:16) And that's got a freaking jet in it.   Kiera Dent (21:45) But it's so crazy because when I look at that, I'm like, all right. So I know if things get tight in the business, I know, all right, rock on. Like pre-tax, we need to make a hundred grand. Like easy. We can handle that. We can create that. We can figure that out. That's it. Again, just a math equation. But then when you look up and you scale up, it becomes so much more doable and realistic. And then for me, I don't know how you feel, Lauryn. It's like, now the number doesn't feel like, got it. I know actually like what I'm working towards. I know how I can now do the math equation. It's not like I have to make   500 million to be free. It's like, no, I need this money because it will now go into investments. It will go into other places. I know how much that's going to generate for me. I know how much it's going to estimate grow. And I don't know. It just is pretty magical. So I'm very curious. Like, what are your other revenue streams that you recommend when we're looking at this and we're building that financial freedom? We're looking at like, okay, I kind of am. I'm hoping that people listening to this podcast are putting like dots together. Like, okay, got it. Like make the money, keep the money.   Dr. Lauryn B (22:17) Mm-hmm.   Hmm.   Kiera Dent (22:38) figure out how I'm gonna spend it, but not overspend it and still keep the money so I don't pinch on that side. Then I'm gonna look to see where I ultimately wanna get in my life. Now, like what are some other things like if we're there, how did you get it to where you weren't just reliant on your business anymore?   Dr. Lauryn B (22:52) So first I will say that none of this is any tax or legal advice and you must talk to your CPA or whatever. Yeah, here's my little disclaimer. I am not an accountant or anything, a lawyer or anything like that. So right now, so I just interviewed someone on crypto. So I am really, really lucky that my husband, he's a very early adopter. And so   Kiera Dent (22:58) This is true our little disclaimer there guys go talk to people that are not   Dr. Lauryn B (23:21) We have been pretty involved in crypto for   Kiera Dent (23:26) Which is why you said   do crypto like all the things like I should be putting this in crypto not going on trips. I now get it. All right, go on.   Dr. Lauryn B (23:33) So I just interviewed someone on my podcast who's like a crypto investor and like some of the predictions that the crypto people, the crypto people are saying about   going to happen with crypto, what could happen with crypto in the next five years,   4.6 million would be easy. So like if our current crypto ⁓   Kiera Dent (23:55) Chump change, like truly, truly.   Dr. Lauryn B (24:01) account like amount that we have invested   did even a fraction of like what like we'd be we'd be pretty   pretty pretty good even if that doesn't happen in five years if it like takes 10 so crypto for us   Kiera Dent (24:08) Mm-hmm.   Dr. Lauryn B (24:14) and like i said i just i knew that like that was the thing that for him but like i just really got i got off this interview and i was like how much did you invest last month we need   double it we need to like and he's like yeah   This is so exciting. Like I have been priceless. I've been really obsessed with a Cartier watch lately. Like a real like, and so I have was, I'm already   Kiera Dent (24:28) That's where he'll spend there, Lauryn.   Dr. Lauryn B (24:37) about my 2026 vision board because I'm in Enneagram three and we do weird   like that. And so I I was like, I want to go to Switzerland and   Kiera Dent (24:41) I love it.   Dr. Lauryn B (24:46) want to   to Switzerland and buy a Cartier watch. Cause that's where they're made. And like, and now I'm like, you know, maybe we should   Kiera Dent (24:52) Yeah.   Dr. Lauryn B (24:56) delay, that would be better put into crypto. And he's just like, this is the saver husband is just like, this is the greatest thing in the world. So anyway, so that's one bucket. ⁓ And you know, he spends a good amount of time each week, each day monitoring. So I won't even call that passive. I think that crypto can be a lot more passive depending on how you do it. I'm not going to get any deeper into the waters here because we are at my like limit of understanding of crypto.   Kiera Dent (25:02) He's loving it. Okay, so crypto. Okay.   Okay, perfect.   Dr. Lauryn B (25:24) I know   that you can   very active in investing and there are ways that can be much more passive. ⁓ So real estate, obviously   think that real estate is the secret of the wealthy for decades and decades and decades and it's not such a secret anymore. It comes with its own things. We both experienced 2007. I luckily had just gone into school, but there are people who lost their asses in 2007 with real estate. So not foolproof. Also,   Kiera Dent (25:50) only.   Dr. Lauryn B (25:54) not incredibly passive. We throw the word passive around way too much in this, but I will say where the majority currently and where we're like next year, how I'm getting to 3 million and this and that, a good percentage of it is very, very active in the personal brand coaching side of things.   Kiera Dent (25:56) I would agree on that. You gotta have a lot of doors, lots of doors, lots of time.   I agree.   Dr. Lauryn B (26:22) I have built and have continued building. ⁓ so, you know, podcast, sure, that makes some money, but like where very actively, where I spend more time on than in my clinic is in the online space of coaching courses, programs, webinars, membership. And that's when you find, and here's the thing.   is like every dentist listening, every chiropractor listening is like, okay, so I need to coach other dentists. I need to coach other chiropractors. And it's like, no, what I'm saying is, is online, there is a lot of money that can be made. It's not easier, but it's also not harder. It's its own hard. I just solved a different problem for someone. So I had the business that we solve this problem. And then I figured out a way. So we talked about the financial.   Kiera Dent (27:05) Right.   Dr. Lauryn B (27:18) freedom, but then I figured out the time freedom that I wasn't needed there all the time. So I could sit and go, what's another problem that I can sell a solution to?   Kiera Dent (27:33) Okay, let's like pause there. I'm very curious. How did you get, how did you solve the time solution? Like guilt free, like walk me through. I know it's like a pile whole nother episodes. Like do it in like a chunk or probably close to time.   Dr. Lauryn B (27:38) God, that's.   Yeah, well, I mean,   you ultimately, you pay for your time. So like, I am not collecting as much money from my clinic as I could if I was there doing the service. Like, that's just kind of obvious. ⁓ So I am paying for doctors that I wouldn't need a doctor. I could get rid of an entire doctor's salary if I just worked full time.   Kiera Dent (27:59) Right.   Dr. Lauryn B (28:10) I could also get rid of my amazing and well-paid director of ops. So this was a big game changer for us is so like, you may have a doctor on staff that's like your clinic director. You know, they're really in charge of like patient care, whatever, things like that. I recommend having a not office manager, a director of operations.   Kiera Dent (28:25) Thank   Dr. Lauryn B (28:39) Okay, like this is not an office manager. A lot of time your office manager is like by default, the person who's been with you the longest. Like we hired in a specific skillset that was going to be my eyes, ears, hands, feet, pretty much everything except my visionary brain.   Kiera Dent (28:40) Nothing.   and   Dr. Lauryn B (29:03) She does HR meetings, she does hiring, she does firing, she monitors stats. I meet with her once a week and I get reports. I pay her pretty well. And like honestly, she needs another raise and so does my other doctor. Like, so this is what's hard.   Kiera Dent (29:17) Yeah.   So let's just break it down. I   don't wanna know exactly what your Director of Operations gets paid, but let's give a range so people understand, because I think people don't realize what we're paying for that. So are we talking? Okay, perfect. And for some of you, might hear like, yes. And I would say that that, I would say it's probably 60 to 150 penny upon, for dentists, the size and practice, like I have seen that come through. So again, looking to see where it is.   Dr. Lauryn B (29:27) Probably 60 to 90 grand.   depending on your city and things like that.   can.   and   especially like if you're running multiple clinics. Yeah.   Kiera Dent (29:44) Yes. So   when you said that though, when we were talking about the audacious number and we're like, Hey, 4.6, like it seems so, but you're like, it's really big. But I think if people were to hear that and think K 60 to 90, if I were to pay somebody 90, but not have to do all the meetings, not all the hiring, not all the firing, what is your time worth? Go to Dan Martell, buy back your time. He's one of my favorites. Like what is your dollar per hour when you're doing dentistry or when you're doing chiropractic?   And could you hire that out? Like how many hours could you do or use your visionary brain to grow the business, grow other things? Well, yes, that's a great salary. It also, think when we put it with your time, I think a lot of people could see that on a balance sheet of a very good investment because I think time is one of your greatest assets. So again, I just want to highlight because a lot of people may think it's like 200.   Dr. Lauryn B (30:26) Mm-hmm.   Well, and I'm in a circle back.   So, cause I said, there's like the two different reasons you're burning out. Although I've listed like 17 at this point. You you've got the person who just wants to care for people and they have to run a business. And then you've got the person who's like, I've solved this. So like, I don't remember who said it, but they basically said there's like two types of people. And this is a really great question to ask when you're hiring. It's one of my favorite questions. ⁓ Are you the type of person?   Kiera Dent (30:39) Yeah   Dr. Lauryn B (30:57) who wants to solve the same problem every day and get more efficient and faster and better at solving that puzzle, or are you a person who would rather have a brand new puzzle every day and figure out   to solve that puzzle? There is no wrong answer here. You are not a less than person because people hear that and they go, oh.   I wanna be the exciting person. And this is why so many people end up in entrepreneurship that shouldn't is because they hear the air quotes, right answer there. the exciting answer is I want a new puzzle. Most people are not psycho like   if you   that you're that person, when you're really, this is totally cool to be like a more efficient problem solving, like same puzzle. But that's what a business is.   Kiera Dent (31:49) Yes.   Dr. Lauryn B (31:50) after a   certain point, you are solving the same problem. And so I literally couldn't. I couldn't, so like, yes, I could say like, well, I had the option of not spending that money on salary and just like stepping into my practice even more and being that director of ops and being that, I couldn't. I was done. At this point, this had been like 12 years.   Like, this is really more more recent. I've been in practice 15 years. So it was really more like three years ago that I was like, I can't, I want to. And I feel like a bad person that I'm like, I can still be the visionary. I can still check in and I still love hands-on patience. Like, ⁓ but like we need to hand this baton to somebody better because I will die if I have to keep hiring and doing some of this stuff.   Kiera Dent (32:47) You   How did your team and doctors take that? Because I think people are so scared of like, well, why does Lauryn get to go have one or two days in the office and we're here five days? Like, did you have any of that backlash? Like, how did that go?   Dr. Lauryn B (32:50) And so.   they're continue, you know, like, yeah, your people are people are people. And we can't, we can't, as if I don't get, my husband has to talk me off a ledge, you know, once a month about like, can you believe, like, we, they're just humans who are also living their experience and wanting more money and like seeing you live abundantly and feeling feelings of jealousy. Like you can't cure anybody who says like they've cured jealousy.   from their team culture, they are lying. So like feelings of jealousy and greed, these are natural human emotions that your staff is going to go through. And so, you know, I would say that more recently as we, because like we're talking about like, hey, the clinic numbers are not good enough for...   Kiera Dent (33:36) Yeah   Dr. Lauryn B (34:00) abundance and bonuses and raises. We've told you what we need the clinic numbers to be at in order for raises to happen.   Kiera Dent (34:06) I hope everybody listening   just heard how she was a CEO and she told them, these are what the numbers are. This is what we have to do. It's not, me give you bonuses and pay you more in hopes to get that number up there. Like rewind that, listen to that over and over and over again, because you have to have this team needs to see that. Otherwise, this is how you don't make the money and keep the money. You make the money and you pay more money and you're broke. Go on.   Dr. Lauryn B (34:27) Yeah, and for the first, that's   how I got to the worst, the best worst year of my life, you biggest revenue, but worst income was because we had been giving raises based on like effort and like they're working really hard. They deserve a raise. So an employee can deserve a raise, but there's not money to give them. So like we're simultaneously this year dealing with like, hey,   I wanna give raises, but like it's gotta be here and we're close, but we're not there. They simultaneously see me just fucking killing it in the online space and spending, because also like in the personal brand, like I coach healthcare providers how to launch a personal brand. And so like I talk about like, hey, I got a $2,000 affiliate check. We invested $13,000 from crypto. If you go find me on Instagram @DrLaurynB, you will see like,   My posts are about abundance and what a personal brand can do for you and how like the behind the scenes of like, yeah, we are, we're talking about diversifying income. Like this is how much our real   portfolio made last month. People want to know that, but my staff sees that. And so they're like, well, she rich. Why is she trying to tell us   she can't give us, why is it? And so, so like even literally this month.   Kiera Dent (35:45) that we don't have money. because the business, the business.   Dr. Lauryn B (35:52) We're in like calm, kind, one-to-one conversations having to be like, you know, but I will say my husband and I, like, this is like real life. These are conversations that literally happened like a week and a half ago where I came to my husband because prior the clinic was all the money. It was all the money. It was the biggest thing. It was really in the last two years that things switched.   where it was like, now my clinic is like, when do we call my clinic my side gig? Because I'm literally making four times as much on this personal brand in digital space. ⁓ And so we realized that,   Kiera Dent (36:20) Yeah.   Mm-hmm.   Dr. Lauryn B (36:32) there isn't money for raises that they want. There isn't money for bonuses. But can I,   Lauryn Brunclik.   who loves my employees, can I give them, can I shower them with birthday presents and anniversary presents and Christmas presents? Can I buy them lunch because they saved my ass because I came in late from a podcast recording or this or that? Yeah, because Lauryn can, like the personal, like we are fine. We are rich, great, this is great.   But like my head was so like the only money from a business mind that we can spend is the money that's allowed. And it's like, no, no, no, no. Now we're entering a whole new ball field where it's like, you know what? I can, but it's not gonna come from bonuses and raises. Those come from clinic performance. And so we are kind of going like, okay, FYI, this isn't coming from chiropractic. This is coming from me.   Kiera Dent (37:30) Right.   Dr. Lauryn B (37:41) loving and appreciating all that you do in this clinic so that I can. So what does this look like? You take a week off and you go golf the greatest like golf whatever courses and like you just like have this bucket list thing. This looks like you showing acts of appreciation, bringing gifts, buying them dinner, like whatever it is like.   showing appreciation for your staff that they are there so you can live your best life. They were there so you could leave early and go watch your kids dance recital. So like, although our natural instinct is to only show them that we appreciate them through raises and bonuses, and that's what they want. So like anytime you can do it. ⁓   Kiera Dent (38:38) I agree.   I agree. I feel like both.   Dr. Lauryn B (38:40) Sometimes   you have to figure out more creative ways to show your appreciation to them that they are doing that so you can't.   Kiera Dent (38:49) I love that. Wow. Lauryn, this is such a fun podcast. think like to put a pretty bow on this. What would you say if a doctor, your listeners, my listeners, if they're listening to this, what would you say would be like, wrap up takeaways from I mean, we have gone the gown. I love this. I felt like we were on the most random road trip of like we were going to this stop going to this one.   Dr. Lauryn B (39:08) I'm not sure if we took this entire transcript   and uploaded it to AI. It would be like, no, you guys are amazing. Here's your silver thread.   Kiera Dent (39:17) That would be amazing. So what would you say would be kind of like key takeaways or things that maybe we didn't get to that you just feel like listeners, business owners, those running the day to day clinic, whether you want to be on whichever side of this burnout coin, if you want to be there and serve the patients but are sick of doing the business, if you're on the side of like, gosh, I like just want to run the business and do other things outside of this, like looking at the burnout, looking at the generations that we're going through. I mean, we went the gamut of   from investments and passive income to appreciating your team as you as a person rather than the business. Like so many fun, different like ideas and aha moments. Any last thoughts you wanna add to put a pretty bow on today's podcast?   Dr. Lauryn B (39:57) All well, that's a really hard question, but you're lucky I actually do have something to say. was like, oh God, okay. All right, so was listening to a podcast this morning. Simon Sinek had Arthur Brooks on, and Arthur Brooks is, I don't know, political science, behavioral science, I think behavioral science. And he just very briefly in the interview said that like,   Kiera Dent (39:59) I know. Hey, good, good.   Dr. Lauryn B (40:21) It's human nature that we go through a reinvention of our career and have to reinvent ourselves every seven to 12 years. And that's just, that's gonna happen. So from the time that you graduate high school until the time that you retire, you're going to need to reinvent yourself multiple times. And the more that you fight that, the more that you, you you're at that seven year itch or whatever,   and instead of embracing reinvention, whatever that looks like for you, maybe you're bringing on new services into your clinic. like, it doesn't need to mean you need to lean out at that point, but you might just need a little, like, re-ignition, a reinvention of your brand. ⁓ The more that you fight that and go, I shouldn't feel this way, what's wrong with me? Like, like if you're sitting there broke and you're just stuck,   in a place of instead of reinventing yourself into this wealthy, healthy doctor that you know you can be, but instead you're like, God, I'm 39. I don't have my shit together. I should be making more money. I should, like, the more you just sit in this, what's wrong with me? It's just gonna torture yourself. I truly believe that people, you know, let's say they get 12 years into their career.   I believe that there are ⁓ too high of a percentage of people that literally just plan on embracing the suck the rest of their career instead of reinventing themselves for something joyful and abundant. And that just makes me so sad. So that's what I would say is my final thing is if you feel wherever you're at in your career, if you're feeling this, like this is your permission. It's not from me, it's from Arthur Brooks. He's some smart.   Kiera Dent (42:17) Yeah.   Dr. Lauryn B (42:18) Like you were smart enough to be on Simon Sinek, all right? He's giving you permission. This is not just a unique thing. This is human nature. And so figure it out. What does reinvention look like for you? ⁓ And just start doing the work.   Kiera Dent (42:35) Lauryn, that was absolutely beautiful and I hope people listen. I hope they take action. They take advice. ⁓ Because I think what you just said is so freeing and so beautiful. So I really hope people don't just listen, but actually take action. So Lauryn, I love this today. It was so fun. How can people get in? It's a great time. I'm like when we in person, I guarantee you'll be someone we will be fast friends in real life. Like just loved having you on here today. How can people get connected with you? How can they see your   Dr. Lauryn B (42:51) We should meet up in real life.   Kiera Dent (43:03) life again, I believe like when we watch other people we become like them. So it's like, I want people like you. I want people that are abundant. I want people like this is what the podcast is for. This is why we bring people together. How can people get connected with you if they want to know more about you see what you're doing? How can they   Dr. Lauryn B (43:07) Mm-hmm.   yeah, and if you   related to this, you'll love my Instagram, because this is everything that I talk about. So it's @DrLaurynB and Lauryn is with a Y. So ⁓ Instagram is definitely the place I hang out the most. Send me a DM if you listen to this. Like I am in my DMs all the time. And I would just, yeah, that's the best place.   Kiera Dent (43:34) I love it. We are millennials. Instagram's our jam. We're not on Snapchat, all right? It's Instagram, okay? It's gonna be that way forever. But Lauryn, I loved it today. Thank you for joining me. Everyone here, I hope you picked up nuggets. I hope you take action. I hope you truly commit to living your best life. And as always, thanks for listening and I'll catch you next time on the Dental A Team   Dr. Lauryn B (43:37) This jam. Yeah.  

This week, Jason and Matt are honored to welcome a titan of the liberty movement, Dr. Mary Ruwart. A research scientist, acclaimed author of Healing Our World, and a tireless advocate for freedom for decades, Dr. Ruwart brings a lifetime of intellectual rigor and compassionate activism to the podcast. She is a factory for the ideas that can set us free. The conversation is a masterclass in voluntaryist solutions. We kick things off by dissecting the government-created nightmare of modern healthcare, using the recent Pfizer deal as a case study for the corrupt revolving door between the state and Big Pharma. From there, Dr. Ruwart makes the powerful case for a society entirely free from government coercion, explaining how peace and prosperity thrive where voluntary cooperation replaces the state's monopoly on violence.  We then dive into the crucial challenge of messaging: how do we make the principles of liberty and non-aggression appealing to a generation raised on state dependency? The discussion turns to the root of state indoctrination—government schooling—and how the philosophy of peaceful parenting is a radical act of defiance. Dr. Ruwart lays out a vision for a future of decentralized, private learning networks that could make the state's factory-schooling model obsolete.  The entire episode is a white pill, focusing on constructive, positive solutions, and we close by exploring the practical, agorist strategies that empower individuals to stop asking for permission and start building a freer world today. (Length: 1:04:00) Donate/Subscribe to TFTP Find Dr. Ruwart's Work: Website: ruwart.com X (Twitter): https://x.com/MaryRuwart Instagram: https://www.instagram.com/maryjruwart/ Liberty International: liberty-intl.org

Every few months, I love to hit pause and share what I call my “saving graces”: the small, everyday things that are making life simpler, calmer, or just a bit sweeter in this current season. It's never about a full-blown life overhaul (who has time for that?), but rather those tiny tweaks that make you exhale and think, okay, I can do this. In this episode, I'm sharing the little shifts and products that are saving my sanity right now. From my favorite new walking shoes that make errands feel like self-care, to the Tatcha face cream I can't stop raving about, to the best gluten-free baking flour that even my kids approve of,  these are the things making daily life feel lighter. We'll also talk about practical systems that just work, like giving each kid their own laundry basket (yes, it really is as magical as it sounds), setting recurring phone alarms that remember things for you, and carving out a bit more white space in your days. And for a little fun, I'm sharing how bucket golf has become our family's go-to game night favorite and how “choose-your-own-adventure dinners” are saving weeknights around here. It's the kind of episode that feels like a cozy catch-up with a friend, full of small but meaningful ideas to help you slow down, simplify, and savor the good stuff. Grab all the links mentioned in the episode and join my Saturday Scroll email at simplepurposefulliving.com/email. It's my favorite way to stay connected and share even more of the simple, purposeful things that are making life easier right now. Mentioned in This Episode:

“For God gave us a spirit not of fear but of power and love and self-control.” - 2 Timothy 1:7When it comes to investing, wisdom means keeping emotions in check. Fear, greed, overconfidence, and regret can all derail sound decisions. Dr. Art Rainer joins us today to share four ways emotions ruin smart investing—and how you can avoid those traps.Dr. Art Rainer is the founder of the Institute for Christian Financial Health and Christian Money Solutions. He is a regular contributor here at Faith & Finance and the author of Money in the Light of Eternity: What the Bible Says about Your Financial Purpose.Don't Let Emotions Derail Your InvestmentsWhen it comes to investing, emotions can be your worst enemy. Allowing emotions to guide your investment decisions will most likely lead you to buy high and sell low. That's the opposite of building a solid retirement fund.So how can investors avoid the emotional traps that derail wise investing? Here are four common ways emotions can ruin sound investment strategies.1. Focusing on the Present Instead of the FutureThe stock market fluctuates daily, sometimes even hourly. Many investors get caught in the drama of short-term swings. But we must remind ourselves that we're not investing for today, we're investing for the future.Keeping your eyes fixed on long-term goals helps put temporary volatility in perspective. The market may dip, but over time, patience and consistency are what build wealth.2. Letting Fear Take ControlFear often shows up during a market downturn. In 2008, as markets plummeted, many investors panicked and withdrew their money. Later, most admitted that the decision was a mistake.In fact, steady contributions during down markets actually allow for the purchase of more shares at lower prices—a benefit to long-term investors. This is a process called “dollar-cost averaging”.  Dollar-cost averaging is an investing strategy where you contribute a fixed amount of money at regular intervals, regardless of market conditions. Over time, this helps reduce the impact of market volatility by buying more shares when prices are low and fewer when prices are high.Fear may feel protective, but it usually leads to missed opportunities.3. Becoming Overconfident in a Rising MarketJust as fear hurts during downturns, overconfidence can be just as dangerous when markets rise. We saw this during the dot-com bubble in 2000 and again in 2020.As stock prices climb, inexperienced investors often rush in, assuming the market is “easy money.” They may chase riskier investments without understanding the dangers, setting themselves up for painful losses when the bubble bursts.4. Dwelling on RegretRegret over past decisions is natural, but it can tempt us to overcorrect. For example, selling too soon because of a bad memory from the last downturn—or holding too long trying to “make up” for past mistakes.Instead of being trapped by regret, let past experiences guide wiser choices without driving reactionary ones.The Bible tells us that saving is wise, but it also cautions against letting fear or greed rule our hearts. Wise investing requires patience, discipline, and trust in God's provision—not reactionary emotions.Get Help From a Certified Christian Financial CounselorFor those struggling with debt, budgeting, or saving for the future, Dr. Rainer recommends connecting with a Certified Christian Financial Counselor (CertCFC). These professionals are trained to help individuals and couples align their finances with biblical principles.You can search for a counselor in your area at ChristianFinancialHealth.com.On Today's Program, Rob Answers Listener Questions:I'm trying to help someone who has three credit card debts that have gone to collections. What type of documentation should we request to confirm that the debt collector is legally entitled to collect the debt, especially since different agencies continue to contact us?I'm retired and have recently purchased a property with mold in the crawl space, which is impacting my health. Given my financial situation, would it be wise to borrow money to resolve the mold problem?My husband is about to turn 73, and we've placed all of our IRA funds into an annuity. How do we calculate the required minimum distribution once he reaches 73, and does that amount change each year? We'd like to withdraw only the minimum necessary.Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)The Institute for Christian Financial HealthChristian Money SolutionsWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this powerful interview, host Robert Forto sits down with Robin Lucas, President of Rebel Rescue South Korea, to talk about how one woman's mission turned a struggling Korean shelter into a global rescue organization. Discover how she transformed a 300-dog rescue in Pyeongtaek into a thriving nonprofit, what life is like for Jindo mixes in Korea, and how her team is bridging cultural gaps between American adopters and Korean volunteers. Robin shares how she manages Rebel Rescue from Texas, the challenges of rehoming dogs across continents, and the story of Hotch, a Jindo mix waiting for his forever home. Whether you're a dog lover, trainer, or rescue advocate, this episode offers inspiration from the frontlines of international animal welfare. Products We Use for Dog Works Radio My equipment:   • SHURE SM7B Mic • Rodecaster Pro II audio production studio • Bose QuietComfort Ultra Headphones • Elgato Wave Mic Arm Pro   Recommended resources:   • Captivate.fm podcast hosting, distribution, analytics, and monetization • Keap CRM • Riverside.FM • Hindenburg Pro recording and editing Note: these may contain affiliate links, so I get a small percentage of any product you buy when using my link. Dog Works Radio is a podcast education show brought to you by Dog Works Radio and is hosted by Robert Forto. If you enjoy the show, I'd love for you to leave a rating or review on your favorite podcast app! And please let your friends and other podcasters know they can listen for free on Spotify and Apple Podcasts

Hello Friend!   I have had so many people asking me how we spend so little on food and the answer is actually pretty simple.  I have been posting on claiming simplicity on instagram about saving money on groceries the last few months and I have had so many people say they are struggling in this area and have no idea where to start, so this episode is going to get you headed in the right direction to saving money on food that you may not have thought of..   Yes, it is true…..once I learned how to spend very little on food (at the time was when I had 3 kids under 3 years old) and it was out of necessity with a very small food budget and no credit cards to go in debt with, I found out how easy it really was!  I remember looking through recipes that would be filling and I would look through cookbooks and figure about how much it would cost to make the recipe.  I actually had such a low food budget that I would bring my calculator to the store to make sure I didn't go over because I certainly wasn't going to bounce a check!  Yes, cookbooks is where it all started, so I am dating myself as it was nearly 30 years ago when I began this journey, but I still use this process today because I would rather spend money on assets than food.  It took me some work to figure it out, but over the years, I learned skills that make it even more possible.   If you want to save over $6000 on groceries this year and cut your grocery bill in half, you are in the right place.    The number one thing that people don't realize is those unhealthy packaged snacks and meals are costing you nearly 10x more than they would be to make from scratch.  And no,  most of them are not difficult to make. Anything packaged is usually unhealthy and when you make homemade meals and items at home, you are only putting ingredients in them that you want in your body.  There are so many additives and unnecessary ingredients in them so once you start reading labels, you won't even want to put them into your body and certainly not your childrens bodies.  I'm working on a simple snack guide now that will give you simple easy snacks you can make from home on a budget and I know you are going to love it.  Watch for it on instagram!   Once you start making homemade meals, the next step for you will mostly likely be how to learn how to make all your own dressings, mayo, and mixes such as onion soup mix packet, ranch packets, or your own boullion which is another super simple way to cut food costs and add healthy options.  It really is a rabbit hole and once you learn how simple it is with such little time it takes, you will start making your own sour cream, yogurt, granola, vanilla, and pretty much everything in your kitchen!  You will not only save thousands of dollars every year, you will learn skills to be more self sufficient because you won't need any started from the store once you make your own sour cream or yogurt and those type of items.     Another way we spend so much less on food is buying in bulk and cooking in bulk.  Not only will you save money, but you will have so much less waste and will more likely not to spend wasted money eating out.  It blows my mind, that people don't think it is possible to spend less that $75/ week on dinners for a family of 4.  It really depends where you live, but I can't definitely show you how to cut your grocery bill in half.  We now spend less than $100/month on food since we grow a garden and raise our own meat, mild, and eggs along with hunting, but the $75/ week, I teach people to do from the grocery store with the grocery price list from walmart or aldi and it is very doable. If you are thinking that you want to learn how to do this, here is the link to to a 1 week sample of the exact steps to how we save. https://stan.store/ClaimingSimplicity/p/weeks-worth-of-dinners-in-just-2-hours-under-75 Instagram -> https://www.instagram.com/claimingsimplicity/ Have a great week!  Love you friend! ~Monica

Health insurance or health cost-sharing—which is the better fit for your family? With open enrollment upon us, it's the perfect moment to explore your choices. Joining me today is Lauren Gajdek to highlight the key differences between health insurance and health cost-sharing.Lauren Gajdek is the Senior Director of External Affairs at Christian Healthcare Ministries (CHM), an underwriter of Faith & Finance. The Landscape of Traditional Health InsuranceOpen enrollment season is right around the corner—running from November 1 through January 15, 2026. For most people, that means navigating the world of traditional health insurance. These plans typically require you to select doctors and specialists within a designated provider network, often necessitating referrals or pre-authorization before receiving care.While insurance companies provide coverage, their structure can come at a high cost. Premiums and deductibles are often steep, and because insurers operate for profit, patient care and affordability don't always align. For many families, this creates a significant financial burden.How Health Cost Sharing Is DifferentHealth cost-sharing ministries, such as CHM, offer a unique alternative. The end result is the same—your medical bills are taken care of—but the process looks very different.No provider networks: Members are free to choose their own doctors and hospitals.Nonprofit model: Unlike insurance companies, CHM is a ministry. Members send in a set monthly contribution, which is pooled together to reimburse medical costs.Community approach: Instead of being absorbed into a bureaucratic system, members know that their contributions directly help fellow believers in need.Since its founding, CHM has facilitated over $10 billion in shared medical bills.How Does Health Cost-Sharing Work?Here's how it works for a typical family:Choose your provider. Members can see any doctor or hospital as long as the treatment fits CHM's guidelines.Identify as self-pay. This allows members to receive significant discounts often, sometimes as high as 40%.Submit bills to CHM. The ministry coordinates with providers as needed. In the meantime, members may set up a temporary payment plan until reimbursement arrives.The process is straightforward, designed to give families peace of mind while also offering flexibility and savings.What to Keep in Mind During Open EnrollmentWhen weighing your options, consider more than just the monthly premium. Ask:How much am I actually paying out-of-pocket after deductibles, co-pays, and coinsurance?Will my coverage travel with me if I go out of state—or out of the country?With CHM, members don't face co-pays or coinsurance, and qualifying medical bills are shared 100% according to ministry guidelines. Additionally, portability makes it an appealing option for families who want flexibility, regardless of where life takes them.A Biblical Approach to HealthcareAt its core, CHM is more than a healthcare solution—it's a ministry. Members not only share medical expenses but also pray for one another and receive prayer support in return. Every monthly contribution is a gift that directly helps another member in need.CHM reflects biblical principles of bearing one another's burdens while providing a practical, affordable path to healthcare.To explore whether health cost sharing is right for your family this open enrollment season, visit CHMinistries.org/Faith.On Today's Program, Rob Answers Listener Questions:I'm refinancing my home and am unsure whether I should roll the closing costs into the new loan or pay them from my investments or retirement accounts. Rolling them into the loan would lower my monthly payment, but is that the wisest choice financially—and biblically?Could you explain where the funds actually come from with a reverse mortgage, who technically owns the home in this arrangement, and whether the FHA backs the loan?My wife and I recently took a required minimum distribution from her IRA and made a qualified charitable distribution to our church. They told us it wasn't tax-deductible and wouldn't issue a receipt. What does the IRS actually require in this situation?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Christian Healthcare Ministries (CHM)Understanding Reverse: Simplifying the Reverse Mortgage by Dan HultquistWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Send us a messageThe current-day movements that have been popularized and which cater to a “post-modern” generation as it is called, are part of the many counterfeit endeavors that have been orchestrated by Satan to keep as many as he can from coming to the Saving knowledge of Jesus the Christ, and the Promise of Eternal Life that is realized in Him alone.The enemy of man's souls will stop at nothing to distract the people of earth from realizing their desperate need of the Savior, and the “new birth” miracle that must take place within their sin-deadened spirit, to ensure their entrance into the Kingdom of God. And the great deceiver is an expert in his deeds of deception.His most successful tactics are centered on the fallen nature of man which is already saturated with self-seeking motives and desires. And because he uses Scripture – or perhaps better said misuses Scripture – to support his lies and deceptions, many are drawn into a false security which makes them feel superficially secure – but keeps them entangled in the web of pride that has set them up for a very great fall – and most tragically – robs them from the Eternal Life and Perfect Love the Father desires to lavish upon them.As we consider these Scriptural truths, we will seek the Holy Spirit's wisdom as to what the genuine “Fear of God” really is, and why it is mandatory to one's entering into the fulness of His Perfect Love.Support the showVisit our website: https://agapelightministries.com/

6 In this you rejoice, though now for a little while, if necessary, you have been grieved by various trials, 7 so that the tested genuineness of your faith—more precious than gold that perishes though it is tested by fire—may be found to result in praise and glory and honor at the revelation of Jesus Christ.

Fluent Fiction - Dutch: Saving Tulip Dreams: A Race Against Time and Fate Find the full episode transcript, vocabulary words, and more:fluentfiction.com/nl/episode/2025-10-05-22-34-02-nl Story Transcript:Nl: De zon zakte langzaam achter de horizon, terwijl de lucht zich vulde met de geur van vochtige aarde en herfstbladeren.En: The sun slowly sank behind the horizon, while the sky filled with the scent of damp earth and autumn leaves.Nl: Over de uitgestrekte tulpenvelden viel een gouden gloed.En: Over the vast tulip fields, a golden glow fell.Nl: Dit was de tulpenboerderij van Daan, een plek vol herinneringen aan zijn geliefde oma.En: This was Daan's tulip farm, a place filled with memories of his beloved grandmother.Nl: Maar vandaag hing er ook iets onheilspellends in de lucht.En: But today, there was also something ominous in the air.Nl: Daan bekeek bezorgd zijn favoriete tulpen.En: Daan worriedly examined his favorite tulips.Nl: De trots van zijn grootmoeder, een prijswinnende tulpenvariëteit, leek te verwelken.En: The pride of his grandmother, a prize-winning tulip variety, seemed to be wilting.Nl: Het moment van de grote bloemenshow naderde en de tijd drong.En: The moment of the big flower show was approaching, and time was running out.Nl: Zijn handen waren in de aarde gewend en in zijn hoofd speelde maar één gedachte af: hoe kon hij de tulpen nog redden?En: His hands were accustomed to the soil, and only one thought played in his mind: how could he still save the tulips?Nl: Sanne, zijn trouwe vriendin en assistente, stond naast hem.En: Sanne, his faithful friend and assistant, stood beside him.Nl: “We moeten het redden, Daan,” zei ze bemoedigend.En: “We have to save it, Daan,” she said encouragingly.Nl: Desondanks voelde ze innerlijk een strijd.En: Nevertheless, she felt an internal struggle.Nl: Als de boerderij zou mislukken, zou ze misschien een kans krijgen om haar eigen droom te verwezenlijken.En: If the farm failed, she might get a chance to realize her own dream.Nl: Daan zuchtte diep.En: Daan sighed deeply.Nl: Hij vermoedde dat er meer aan de hand was dan alleen een eenvoudig ziekteprobleem.En: He suspected that there was more going on than just a simple disease problem.Nl: Misschien was er sprake van kwade opzet?En: Could there be foul play involved?Nl: Maar de tijd was te kostbaar om aan verdenkingen te verspillen.En: But time was too precious to waste on suspicions. "Nl: "Sanne, ik heb jouw hulp hard nodig," zei Daan, terwijl hij zich tot haar wendde.En: Sanne, I really need your help," Daan said, as he turned to her.Nl: Ze knikten en werkten zij aan zij, het vertrouwen hersteld.En: They nodded and worked side by side, their trust restored.Nl: Ze doorzochten samen de oude dagboeken van zijn oma op zoek naar aanwijzingen.En: Together, they searched his grandmother's old journals for clues.Nl: Laat in de nacht, terwijl de kandelaars flikkerden, vonden ze een aantekening over een zeldzame plaag die ooit de tulpenaarde bedreigde.En: Late into the night, while the candles flickered, they found a note about a rare plague that once threatened the tulip soil.Nl: Sanne vertaalde geduldig de oude notities voor Daan.En: Sanne patiently translated the old notes for Daan.Nl: Bij het eerste ochtendlicht begonnen ze met het nieuwe plan.En: At the first light of dawn, they began with the new plan.Nl: Hun harde werk wierp vruchten af.En: Their hard work bore fruit.Nl: Tegen de tijd dat de competitie begon, hadden ze een selectie van prachtig herstelde tulpenrassen gereed staan.En: By the time the competition began, they had a selection of beautifully restored tulip varieties ready.Nl: Bij de show oogstten hun inspanningen bewondering en ze ontvingen lof voor hun doorzettingsvermogen en creativiteit.En: At the show, their efforts earned admiration, and they received praise for their perseverance and creativity.Nl: Ze wonnen niet de eerste prijs, maar waren trots op wat ze hadden bereikt.En: They didn't win the first prize, but they were proud of what they had achieved.Nl: Daan realiseerde zich dat hij niet alleen moest vertrouwen op zijn kunnen, maar ook op mensen om hem heen.En: Daan realized that he had to trust not only in his abilities but also in the people around him.Nl: Sanne begreep dat de boerderij meer was dan alleen een kans voor haar eigen ambities – het was Daans droom, geworteld in liefde en herinnering.En: Sanne understood that the farm was more than just an opportunity for her own ambitions—it was Daan's dream, rooted in love and memory.Nl: Samen keken ze naar de weidse tulpenvelden die nog steeds de geest van zijn oma voort leken te drijven.En: Together, they looked at the expansive tulip fields that still seemed to carry the spirit of his grandmother.Nl: De boerderij was gered, en met elke nieuwe ochtendzon op de bloeiende bloemen, voelde Daan een diepe dankbaarheid voor de steun en vriendschap die hij mocht ervaren.En: The farm was saved, and with every new morning sun on the blooming flowers, Daan felt a deep gratitude for the support and friendship he had experienced. Vocabulary Words:horizon: horizondamp: vochtigeominous: onheilspellendspride: trotswilting: verwelkenperseverance: doorzettingsvermogencreativity: creativiteitfoul play: kwade opzetjournals: dagboekenplague: plaagtrust: vertrouwensuspected: vermoeddecandles: kandelaarsflickered: flikkerdentranslated: vertaaldeadmiration: bewonderingambitions: ambitiesexpansive: weidsegratitude: dankbaarheidapproaching: naderdeopportunity: kanssuspicions: verdenkingenthreatened: bedreigderare: zeldzameperseverance: doorzettingsvermogencreative: creativiteitfruit: vruchtensaved: geredfaithful: trouweinternal: innerlijk

7-BBWC 10-05-2025AM - Series: The First Epistle to Timothy - Title: God's Saving Purpose - Scripture: I Timothy 2:4-7

Episode 104 - Steve Sexton is joined by Michael Rozbruch, Certified Tax Resolution Specialist, nationally recognised entrepreneur, coach and founder of Roz Strategies™, providing eLearning and mentoring services. Disclaimer: Please note that all information and content on the UK Health Radio Network, all its radio broadcasts and podcasts are provided by the authors, producers, presenters and companies themselves and is only intended as additional information to your general knowledge. As a service to our listeners/readers our programs/content are for general information and entertainment only.  The UK Health Radio Network does not recommend, endorse, or object to the views, products or topics expressed or discussed by show hosts or their guests, authors and interviewees.  We suggest you always consult with your own professional – personal, medical, financial or legal advisor. So please do not delay or disregard any professional – personal, medical, financial or legal advice received due to something you have heard or read on the UK Health Radio Network.

Robert Wesselhoff, Owner of LintFighters, joins HouseSmarts Radio with Lou Manfredini to share why they are the dryer vent cleaning specialists and how they can protect your home from fire. Learn more at lintfighters.com or schedule a cleaning by calling (844) 546-8911.

► Vote for ACSOM in the BEST PODCAST (INTERNATIONAL) category at this year's FCA finals: https://footballcontentawards.com/voting/

0:00-5:305:30-15:30  Rebuilding Carolina15:30-19:30 CFP Opinions19:30-28:30 Head Coach Ups & Downs28:30-43:30  NIL & Transfer Portal43:30-53:30 In-State Rivalry53:30-58:30 Dream Job58:30-1:06:30  Life of a Coach1:06:30-1:08:30 Fantasia1:08:30-1:14:23 Hot Takes Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Enjoy the episode? Send us a text!Are you the one fighting to save your marriage while your spouse seems ready to give up? Maybe they've grown emotionally distant, controlling, or even unfaithful. You feel the weight of the marriage on your shoulders, asking: “Why me? Why do I have to do all the work?”In this video, Dr. Joe Beam reveals the hard truth about what it takes to save a marriage when your spouse wants a divorce. You'll learn:Why focusing on your spouse's mistakes often pushes them further awayWhat you can control when it feels like everything is slipping through your fingersWhy criticism, guilt, or pressure rarely bring a spouse back—and what actually canHow choosing strength, grace, and perseverance changes the dynamic of your marriageAt Marriage Helper, we've worked with thousands of couples on the brink of divorce. Many felt hopeless, yet they discovered a proven path forward. If you're hurting but still holding on to hope, this message is for you.If you're struggling in your marriage, don't wait. Get our FREE resource: The 7 Steps to Rescue Your Marriage

Financial blunders aren't new. Consider this: the web portal Excite once passed on buying Google for just $750,000. Today, Google's parent company is worth over $2 trillion. That, my friends, is a legendary missed opportunity.Most of us won't miss out on trillions, but we've all made financial mistakes. The good news is that God's Word offers wisdom for recovery and direction when we stumble.Learning from FailureScripture reminds us that falling isn't the end for those who walk with God:“For the righteous falls seven times and rises again” (Proverbs 24:16).“For you, O Lord, are good and forgiving, abounding in steadfast love to all who call upon you” (Psalm 86:5).“If any of you lacks wisdom, let him ask of God … and it will be given him” (James 1:5).Failure can be a stepping stone when we let God guide us forward. With that encouragement, here are 10 financial mistakes to avoid—and biblical wisdom to help you course-correct.1. Borrowing from Your 401(k)It feels like “borrowing from yourself,” but it often masks overspending or debt. While repaying, you may miss out on employer matches and the compounding growth that comes with them. Worse, leaving your job could trigger taxes and penalties.2. Claiming Social Security Too EarlyStarting at 62, benefits are reduced by up to 30%—for life. If possible, wait until full retirement age (or beyond) for a larger monthly check that lasts as long as you do.3. Only Paying the Minimum on Credit CardsA $5,000 balance at 20% interest can take nearly a decade to pay off with minimum payments, costing more than $8,000 in interest. Pay extra and utilize debt payoff strategies, such as the snowball or avalanche method.4. Delaying Retirement SavingsCompound interest rewards the early saver. Even small contributions in your 20s can grow into a significant nest egg. Don't panic if you're starting late—just start now.5. Overextending Yourself for Your KidsHelping with college, weddings, or down payments shouldn't jeopardize your own financial stability. Generosity is good, but if you sacrifice retirement now, you may depend on your kids later.6. Going It Alone Without Wise CounselMany sell low during downturns because they lack guidance. Proverbs 15:22 says, “Without counsel plans fail, but with many advisers they succeed.” Seek out wise, faith-based financial advice.7. Co-Signing a LoanScripture warns: “One who lacks sense gives a pledge and puts up security in the presence of his neighbor” (Proverbs 17:18). About 40% of co-signers end up paying the loan themselves. Be wise in your generosity.8. Quitting School Too SoonEducation—whether a four-year degree, trade school, or certification—equips you with marketable skills. Think of it as an investment in your future, not just a cost.9. Buying a TimeshareTimeshares are marketed as affordable luxury, but often come with steep fees, little flexibility, and low resale value. They're rarely the “investment” they claim to be.10. Falling for ScamsScammers prey on fear, urgency, and greed. Whether through fake calls, emails, or investment pitches, their goal is always the same—to separate you from your money. Be vigilant and discerning.Walking Forward in FreedomJesus warned His disciples: “I am sending you out as sheep in the midst of wolves, so be wise as serpents and innocent as doves” (Matthew 10:16).Wise stewardship isn't about never failing—it's about learning, leaning on God's wisdom, and moving forward faithfully. With His help, you can recover from mistakes and grow into a more faithful steward of His resources.———————————————————————————————————————At FaithFi, we believe money is a tool to advance God's Kingdom. When you partner with us, you help more people discover the freedom of biblical stewardship and the joy of seeing God as their ultimate treasure.Become a FaithFi Partner today with your gift of $35/month or $400/year, and you'll receive:Early access to devotionals and studiesOur quarterly Faithful Steward magazineThe Pro version of the FaithFi appTogether, we can live as wise stewards and help others do the same.On Today's Program, Rob Answers Listener Questions:I have a 401(k) from a former employer, and I'm thinking of rolling it into a traditional IRA. Is that wise? And can I withdraw some cash during the transfer without incurring a penalty?I purchased a house in 2019 and now require a loan of $20,000–$30,000 to address basement flooding. What's the best loan option?I'm almost 80 and want to close several credit card accounts. How much would that hurt my credit score?I hold CDs jointly with my sister, but we're worried she could be liable if I get sued. Should I change the ownership before they mature?I'm considering joining Christian Community Credit Union, but I noticed that it isn't FDIC insured. Should that be a concern?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Christian Community Credit Union (CCCU)Wisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

With the federal shutdown in full swing, how will Las Vegans feel the impact locally — and why did one of our senators cross the aisle to vote for a GOP funding bill? Co-host Sarah Lohman is joined by Nevada Current Reporter Michael MJ Lyle and community advocate Patricia Haddad Bennett, and they discuss the shutdown's local impacts, why fundraising for a 1 October memorial is slowgoing, and how to "save" Spirit Airlines so they can hire back the 400 Vegas-based employees they've just furloughed. Get more from City Cast Las Vegas when you become a City Cast Las Vegas Neighbor. You'll enjoy perks like ad-free listening, invitations to members only events and more. Plus: Through Oct. 3 (that's today!) when you sign up, you get this awesome tote that says Neighbors Make Las Vegas. Join now at https://membership.citycast.fm/  Want to get in touch? Follow us @CityCastVegas on Instagram, or email us at lasvegas@citycast.fm. You can also call or text us at 702-514-0719. For more Las Vegas news, make sure to sign up for our morning newsletter, Hey Las Vegas. Learn more about becoming a City Cast Las Vegas Neighbor at membership.citycast.fm. Looking to advertise on City Cast Las Vegas? Check out our options for podcast and newsletter ads at citycast.fm/advertise.

Connect with Onramp // Onramp Terminal // Tyler Neville on X // Forward GuidanceThe Last Trade: a weekly, bitcoin-native podcast covering the intersection of bitcoin, tech, & finance on a macro scale. Hosted by Jackson Mikalic, Michael Tanguma, & Brian Cubellis. Join us as we dive into what bitcoin means for how individuals & institutions save, invest, & propagate their purchasing power through time. It's not just another asset...in the digital age, it's The Last Trade that investors will ever need to make.00:00 — Introduction to Tyler Neville03:56 — Wartime Finance: Acronym Rescue Playbook12:17 — 60/40's Sunset: A Generational Shift21:29 — Saving vs. Investing in a Debasing World31:45 — Future of Money: Bitcoin vs. Fiat Rails35:42 — Bitcoin as SoV; Treasury Cos—Bridge or Blowup?42:35 — ETFs & Access: Gatekeepers, Flows, Plumbing01:02:20 — Gold & Bitcoin Gain Share in Reserves01:07:54 — Reserve Flip: Gold vs. U.S. Treasuries01:13:56 — Sound Assets & Resilience01:23:44 — Wrap-Up, Disclaimer, & OutroPlease subscribe to Onramp Media channels and sign up for weekly Research & Analysis to get access to the best content in the ecosystem weekly.

It may only be week 5, but that win last night saved this season from potentially going off the rails

Whether you rent or own, energy bills can add up fast. Saving doesn't have to be hard. On this episode of HAR Community Conversations, Energy Ogre CEO Taylor Mattingly shared simple ways to lower your bills and boost efficiency.    Energy Ogre - https://cms.har.com/affiliatemarketing-energyogre/ Sign up for Free Industry News Subscriptions for HAR Members here-   https://www.harconnect.com/free-industry-news-subscriptions-for-har-members/   Are you an HAR MLS Platinum Subscriber? Join our Facebook Group! Click to join. Sign Up for your free Real Estate News Subscription here. Sign up for your free Inman Select Subscription here. Follow us on Facebook, Twitter, Instagram, YouTube , and LinkedIn.

You might have heard about revenge spending - where people buy things they maybe don't need after a period of constraint. But what about revenge saving? Money correspondent Susan Edmunds has been looking into this phenomenon that's apparently been taking hold overseas and spoke to Lisa Owen.

New managers, new leaders, new employers, and potential job opportunities all want to know what we have done in our careers. However, so many executives have been burned by people who say they did something, but never prove it, nor can they prove it. If you want to set yourself up for success, and get the best career opportunities, then start saving your business accomplishments in hard copy format. This way, they will never disappear, and you can always prove that you've done what you claim you have done. Start today!Support the show

Properties for Sale on the North Side?  We want to buy them. Email: StraightUpChicagoInvestor@gmail.com Have a vacancy? We can place your next tenant and give you back 30-40 hours of your time. Learn more: GCRealtyInc.com/tenant-placement Has Property Mgmt become an opportunity cost for you? Let us lower your risk and give you your time back to grow. Learn more: GCRealtyinc.com ============= Lantz Kurzawinski, Marketing Specialist for the Straight Up Chicago Investor Podcast, tells his story of grinding to succeed in real estate at an early age. Lantz explains how he recognized his entrepreneurial spirit at an early age and decided to dive into real estate. He shares his experience as a leasing agent and how that led him to discover his enjoyment for getting his hands dirty. Lantz gets granular on partnering on a few BRRRR deals and the value he brought to the partnership despite not having much liquidity! He shares insights on closing a house hack deal with a hilarious story about living in a “work in progress” basement apartment! Lantz demonstrates how hard work and bringing value to others is very much the key to succeeding in REI like other areas of life! If you enjoy today's episode, please leave us a review and share with someone who may also find value in this content! ============= Connect with Mark and Tom: StraightUpChicagoInvestor.com Email the Show: StraightUpChicagoInvestor@gmail.com Guest: Lantz Kurzawinksi, GC Realty & Development Link: SUCI Ep 253 - Jeff Nydegger Link: The Obstacle Is the Way (Book Recommendation) Link: Meditations (Book Recommendation) Link: Michael Procaccio (Network Referral) Guest Questions 02:49 Housing Provider Tip - Consider giving renters storage unit options to maximize your units' appeal. 04:39 Intro to our guest, Lantz Kurzawinski! 12:56 Starting off as a leasing agent. 18:38 Lantz's first deal! 23:06 Cranking through another BRRRR project and structuring partnerships. 28:00 House hacking in Jefferson Park! 40:30 Taking down deals in Itasca and Downers Grove. 46:51 What is your competitive advantage? 47:20 One piece of advice for new investors. 48:22 What do you do for fun? 48:28 Good book, podcast, or self development activity that you would recommend?  49:10 Local Network Recommendation?  49:41 How can the listeners learn more about you and provide value to you? ----------------- Production House: Flint Stone Media Copyright of Straight Up Chicago Investor 2025.

Feeding your dog people food; Saving at risk dogs; Smuggling turtles from China; Magic Johnson looks great

What does true generosity look like? Is it measured by the size of the gift, or is it something deeper?In Luke 21:1–4, Jesus praises a widow who gave only two small coins. At first glance, her offering seems insignificant compared to the wealthy donors around her. Yet, in Jesus' eyes, her gift was greater than them all. Why? Because God doesn't measure generosity by the amount—it's the heart behind it that matters.The Scene at the TemplePicture the temple courts: the wealthy making large, noticeable contributions, drawing admiration for their gifts. Then comes a poor widow. No fanfare. No applause. Just two copper coins—economically worthless. Yet Jesus declares that she has given more than anyone else.The difference? The wealthy gave from their abundance, gifts that cost them little. The widow gave out of her poverty—all she had to live on. Her gift was not just generous; it was sacrificial, risky, and rooted in trust.This theme echoes throughout Scripture. In 1 Samuel 16:7, the Lord tells Samuel, “Man looks at the outward appearance, but the Lord looks at the heart.” Paul also affirms this in 2 Corinthians 8:12: “If the willingness is there, the gift is acceptable according to what one has, not according to what one does not have.”God doesn't call us to give what we don't have. He calls us to give cheerfully, faithfully, and with hearts surrendered to Him.God Wants Your HeartThe widow's gift also points us to the gospel itself. In 2 Corinthians 8:9 we read, “Though He was rich, yet for your sake He became poor, so that you through His poverty might become rich.” Jesus gave everything for us—holding nothing back. When we give sacrificially, we reflect His love and generosity.Maybe you've felt your giving is too small to matter. But Scripture shows otherwise. In John 6, a boy offered five loaves and two fish—and Jesus fed thousands. The issue isn't what you have, but what God can do with it.Generosity in God's Kingdom isn't about status or size. It's about surrender. A gift given in faith is never small. Whether two coins or two million dollars, the real question is: Am I giving out of abundance or out of trust?The story of the widow's mite isn't meant to pressure us into giving more. Instead, it frees us to see generosity the way God does—not as an economic equation but as an act of worship. He doesn't need your money; He wants your heart.On Today's Program, Rob Answers Listener Questions:I lost money in my 401(k) when I became disabled, and now it's sitting in an IRA that isn't earning anything. Should I transfer it to a savings account, and what taxes would I be liable for? Also, since my house is paid off, I'd like to understand how reverse mortgages work.I have just sold my house and would like to know the most prudent way to invest the proceeds. I'm trying to be a good steward, but I'm not sure if a savings account, an IUL, or something else would be best.I'm on permanent federal workers' comp and wondering if I'll still be eligible to draw Social Security when the time comes.My friend hasn't filed taxes for five years. How could that affect her children if she passes away, and what steps can she take to resolve it?I was told that if I move my mortgage into a home equity line of credit and deposit my paychecks there, I could pay it off in seven years. Is that really true?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Wisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Send us a textWhy am I re-releasing this episode? Because after a few weeks back in the classroom, I felt it again — that weight of doing everything myself: picking up pencils, erasing the board, answering endless “what did I miss?” emails. And I remembered… this episode holds the solution.In this powerful conversation with Annabelle Williamson (La Maestra Loca) and John Seifert, we dive deep into classroom jobs — not just what they are, but why they matter. Annabelle and John share:Their favorite jobs and how they transformed their classes.How to implement jobs step by step (even mid-year).Troubleshooting tips to keep the system running.Whether you're the “least type-A teacher ever” (like Annabelle) or highly structured (like John), you'll find a way to make class jobs work for you.If you're feeling tired, stretched thin, or just looking for a way to re-energize your class culture, this episode is exactly what you need right now. Listen now.Class Jobs Course: Use code: CLAUDIA for 10% OFF!John's BlogAnnabelle's BlogMore resources:Join the waitlist for Growing With Proficiency: The Spanish Teacher Academy → growingwithproficiency.com/academyFollow me on Instagram @claudiamelliott ​​

In this episode of the Investor Fuel Podcast, host Michelle Kesil interviews Nate Cater, who discusses his innovative platform that serves as an escrow alternative for private money lenders. Nate shares his journey in the finance and lending industry, the challenges he faced in creating his business, and the importance of educating clients about the future of lending, especially in light of emerging technologies like blockchain. He emphasizes the need for transparency and adaptability in the lending space, as well as the significance of building strong relationships with clients. The conversation concludes with insights on user experience and how potential clients can easily onboard to the platform.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true ‘white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a “mini-mastermind” with Mike and his private clients on an upcoming “Retreat”, either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas “Big H Ranch”? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

NOTICE: This weekly show is now part of the "Happy Hour with John Gaskins" daily podcast, which you can find at SiouxFallsLive.com, MidwestSportsPlus.com, and most podcast platforms like the one you find here! So, if you enjoy the topics Matt & John cover, you'll get those topics, plus relevant local guests, every Monday through Thursday on Happy Hour... so we highly recommend you check that out! So far in this young football season, the Jackrabbits, Coyotes, and Vikings offenses — to varying degrees — continue to struggle to explode for big plays and satisfying full-game performances. At times, they implode. In the Yotes and Vikings cases, for full games.Gee, if only there was a local team to watch right now, in-person!, that has provided fireworks all season long, including a so-far spectacular postseason. Oh, wait, there is, and you don't even have to drive one to four hours to see them.The Sioux Falls Canaries — highest-scoring, most home run-hitting in their league by far — are three wins away from their first American Association championship in 17 years and only their second league title in the 33-year modern inception of the club. So far, they've averaged 10 runs in their five playoff wins, including victories of 7-2 and 11-2 in their two series-clinching win-or-go-home games, propelled by the Birds' best-ever player and league's all-time career home run king Jabari Henry's five total dingers in those two deciding games (three blasts to eliminate league leader Sioux City in the first round on the road, then a pair of homers including a grand slam and 8 RBI in The Birdcage to knock out Fargo-Moorhead). So, before Happy Hour host John Gaskins and Sioux Falls Live sports editor Matt Zimmer break down the bummer offenses — to varying degrees! — of this region's three most popular football teams, they celebrate the culmination of what has been a 15-year climb up a Mt. Everest of rocky obstacles for the Canaries — once the league's worst and near-lowest-budget squad — just to return to the league finals.Then, it's pick-apart time for 3-0 SDSU, 1-2 USD, and the 1-1 Vikings, their offenses, and their quarterbacks Chase Mason, Aidan Bouman, and J.J. McCarthy. How much of the team's struggles have been the field generals' faults, and where do we see things headed?Is it unfair for Jacks fans to be unsettled if not complaining about "only" 37 points and "only" a 16-point win over a non-scholarship team? Is it five-alarm fire time for USD after narrowly escaping Northern Colorado and an 0-3 start?What do we make of both the seven quarters of bumbling of young J.J. McCarthy (save from the amazing fourth quarter in Chicago, which counts for a lot) and the ankle injury that has sidelined him against Cincinnati, which gives journeyman and NDSU legend Carson Wentz his latest and maybe last-ever shot to return to his once-Pro Bowl form?John and Matt answer these questions, then toast the Sanford International and its latest winner Retief Goosen. Finally, rumination on why the once-massive Sunday crowds have fizzled a bit in the eight-year-old event that shares crown jewel status in Sioux Falls with the Summit League Tournament.

Disclosure: We are part of the Amazon Affiliate/LTK Creator programs. We will receive a small commission at no cost if you purchase a book. This post may contain links to purchase books.Dreaming of your next Disney trip but not sure where to start? In this episode, I'm joined by Disney content creator and author Becky Gandillon, who blends her love of the parks with her background in data analytics to help travelers plan smarter, save money, and skip the overwhelm.Becky is the co-author of The Unofficial Guide to Disney World and shares insider tips on:Budget-friendly strategies for resorts and ticketsWhy the Disney Dining Plan isn't worth it (and what to do instead)What's new at the parks in 2025, from refreshed rides to new landsHow to enjoy Disney as a family, with friends, or even soloMust-read Disney books for fans of all ages

Newt talks with Philip K. Howard about his new book, “Saving Can-Do: How to Revive the Spirit of America.” Howard discusses the pervasive issue of bureaucratic red tape that has stifled common sense and effective governance since the 1960s. He argues that the legal system has become overly complex, with 150 million words in federal law and regulation, compared to the 7,500 words of the U.S. Constitution. Howard advocates for a multi-year effort to replace these cumbersome bureaucracies with simpler codes that empower individuals to use their judgment. He highlights the inefficiencies in current systems, such as the lengthy and costly processes for infrastructure projects and healthcare administration and calls for a movement led by American citizens to push for practical regulatory reform.See omnystudio.com/listener for privacy information.

SHOW NOTESIn this episode, Roger Whitney sits down with Carl Richards, a financial advisor-turned-artist, to talk about keeping retirement planning simple and meaningful. They dive into the idea of “elegant simplicity,” the importance of knowing your goals, and making decisions that actually work for you. Plus, hear inspiring stories from club members to help you rock your retirement!OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN(00:00) The ultimate goal in building a retirement plan of record is elegant simplicityCHAT WITH CARL RICHARDS(02:00) Roger introduces Carl Richards.(03:50) Carl started sketching to help explain complex financial concepts.(07:33) Roger asks Carl about his new book coming out in October.(11:00) Roger and Carl talk about the differences between simplistic and elegant simplicity in retirement planning.(17:55) How do you decide when you have enough information to make a decision?(22:19) There are many different types of decisions that need to be made- Decisions where you need a lot of research versus decisions where you already have all of the information.(26:58) Writing makes decisions tangible versus rehashing them in your brain(28:19) Carl talks about mimetic desire and figuring out what it is that you really want.(39:45) Carl says he loves the idea of experiment design.(41:40) Carl talks about living a life of meaning.(46:50) There is a deep source of identity and purpose that comes from work. When you remove that, what do you replace it with?(52:58) Carl talks about competing values.(55:00) Roger talks about the Retirement Life Lab in the Rock Retirement ClubSMART SPRINT(56:43) In the next seven days, review your retirement plan and look for ways to simplify it so it's easier to manage.CONCLUSION(57:37) Roger says that what stuck out to him from the conversation is how difficult it can be to truly know what we want and how easy it is to just grab someone else's goals, when what we really need is to slow down and take the time to define our own so we don't end up living a life that doesn't fit us.REFERENCESSubmit a Question for RogerSign up for The NoodleThe Retirement Answer ManBehaviorGap.com- Carl RichardsFOLLOW US ON SOCIALS!Follow Us on Facebook!Follow Us on Instagram

Dr. Clay Routledge and I joined Kitty Bogle-Sherman and Coco Harmon on their podcast to discuss religion, culture, symbolism, and how to save civilization.  Subscribe to my FREE weekly newsletter:  https://paulanleitner.substack.com/   Support my work on Patreon: https://www.patreon.com/c/deeptalkstheologypodcast

Women control more wealth than ever—so how do you find an advisor who listens, explains clearly, and shares your values? According to McKinsey & Company, by 2030, women are expected to control nearly two-thirds of U.S. assets—around $30 trillion. With that kind of stewardship comes both opportunity and responsibility. Today, Sharon Epps joins us to share five simple practices that women should expect from their financial advisors.Sharon Epps is the President of Kingdom Advisors, FaithFi's parent organization. Kingdom Advisors serves the broad Christian financial industry by educating and equipping professionals to integrate biblical wisdom and financial expertise.Key Practices Every Client Should Look ForWhen it comes to choosing a financial advisor, women don't need a different standard—they simply need the right standard done well. At Kingdom Advisors, we train Certified Kingdom Advisors (CKAs®) to integrate biblical wisdom into their practices while also serving clients with excellence and care.If you're interviewing an advisor, here are five practices to watch for. These principles will help you find someone who not only understands finances but also values clarity, empathy, and shared purpose.1. Clear TerminologyFinancial jargon can be overwhelming. Terms like RIA or CFP® often make sense only to industry insiders. A good advisor should be able to pause, explain concepts in everyday language, and use analogies that make complex ideas easier to understand. Look for someone who welcomes your questions and ensures you truly understand the path forward.2. A Warm and Welcoming EnvironmentWe often say to “light a candle”—not literally, but figuratively. The goal is to create a space that feels safe and welcoming, rather than intimidating. Just like hotels offer warm cookies to make guests feel at home, a thoughtful advisor will create an environment where you feel respected and comfortable.3. Transparency in All ThingsAn advisor has a fiduciary responsibility to be transparent—but the best ones go beyond compliance. They openly share how they are compensated, outline every fee on paper, and invite accountability. As a client, don't hesitate to ask where you can see these details clearly documented.4. Interest in More Than MoneyWe teach advisors to “use a magnifying glass”—to look beyond the numbers. Money is simply a tool to help you fulfill God's calling on your life. A trusted advisor should ask about your values, dreams, and purposes—not just your portfolio. That's why the CKA® designation is so important: it connects you with advisors who share your values and can integrate them into financial decisions.5. Developing God's Heart for the Whole PersonThe most important practice is what we call whole-person care. Advisors aren't just money managers—they're disciple-makers. They should walk alongside you and your family in prayer, through significant life transitions, and in building unity between spouses. Women's voices should be heard and respected just as much as men's in every financial conversation.Our prayer is that these five practices give you confidence as you search for the right advisor. You deserve clarity, empathy, and values that align with your faith. If you'd like to find a Certified Kingdom Advisor in your area, visit FindaCKA.com.On Today's Program, Rob Answers Listener Questions:Back in 2018, my home insurance company agreed to replace my roof. In 2020, contractors found I also needed new decking, and an insurance employee told me they'd cover it once the work was finished. Now the company is threatening not to renew my policy unless I replace the roof at my own expense. How can I get them to honor their commitment?My dad passed away over a year ago, and my mom is trying to qualify for Social Security benefits. The issue is that my dad didn't have 40 credits, and neither does she. Is there any way their credits can be combined so she can meet the requirement?I heard about a provision in a new bill that allows accounts to be set up for children. Is it true that the government will put money into accounts for kids born in the next few years? If so, how would I participate?I'd like to encourage my two adult children to start investing in Roth IRAs. Where can they open accounts with low fees, especially since they'll only be making small contributions at first?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Sound Mind Investing (SMI)Wise Women Managing Money: Expert Advice on Debt, Wealth, Budgeting, and More by Miriam Neff and Valerie Neff Hogan, J.D.Wisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Fred asks the crew if they're okay with eating out alone! Plus, is it ever okay to save a seat for someone on an airplane? Listen now!See omnystudio.com/listener for privacy information.

We're taking some time to highlight our best Gymsplain Episodes. In this episode Garrett and Gina are here to discuss how couples can approach money conversations, the benefits of combining finances, and practical strategies to create a financial plan that works for both partners. They talk about starting the conversation early, setting up money dates, and maintaining financial independence while working toward shared goals. Whether you're just beginning to merge finances or looking for ways to strengthen your financial partnership, this episode will make the process feel less intimidating and help you have open and honest conversations about money with your partner.     For more details check out our show notes here! If you want to work with a Certified Financial Trainer to help navigate your finances, schedule a free warm-up call today! If you have any ideas or questions for the show, send an email to trainerpodcast@fingyms.com.    

Support the pod and join our beautiful soccer community: https://www.patreon.com/samsarmy PREMIER LEAGUE: Late goals for Palace (vs Liverpool) and Arsenal (vs Newcastle) reshape title race. Sam angers the Tweedles and chat with a hot take on Arsenal and Liverpool. Legit-O-Meter: Palace, Bournemouth and Sunderland. The freak injury that may have just saved Aston Villa's season. HALFTIME: FIFA's Gianni Infantino is up to his old tricks again teasing a 64-team World Cup 2030 despite the fact we have yet to see of/how an expanded 48-team tournament is going to work ROUND THE WORLD: must-watch games in Champions League this week plus a special Hit-It-N-Quit-It MLS Moment (shorter and less pleasurable than our usual MLS Minute) STOPPAGE TIME: Ivan Toney's Best Bets and GOAWs

Ever worked for a bad boss? You're not alone—and you're not powerless. In this episode, workplace equity expert and author Mita Mallick unpacks the realities of toxic leadership and how to rise above it. From micromanagers to spotlight-stealers, Mita shares hard-won lessons and practical strategies to protect your confidence and career.You'll learn:The 13 types of bad bosses—and which ones do the most damage.How to navigate toxic power dynamics when you're early in your career.A simple shift every leader can make to build trust and lead inclusively.Show NotesWeekly Newsletter Sign-Up: http://bit.ly/37hqtQW Guest Resources:Mita Mallick website:https://www.mitamallick.com/ Book: https://www.amazon.com/dp/1394316488 LinkedIn: https://www.linkedin.com/in/mita-mallick-2b165822/Career Contessa Resources:Book 1:1 career coaching session: https://www.careercontessa.com/hire-a-mentor/ Take an online course: https://www.careercontessa.com/education/ Get your personalized salary report: https://www.careercontessa.com/the-salary-project/ Sponsors:Get up to 35% off plus 2 free gifts when you use code CONTESSA at checkout at shopbeam.com/CONTESSA.Whatever challenges you're facing, Grow Therapy is here to help. Visit GrowTherapy.com/CONTESSA today to get started. See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Eric Metaxas talks to John Zmirak. Trump's U.N. Speech, Charlie Kirk, Jimmy Kimmel, Culture, Politics, and Media. Author and commentator John Zmirak joins Eric Metaxas for a wide-ranging discussion on culture, politics, and media. They dig into Charlie Kirk's influence, Donald Trump's speech to the United Nations, and the joy of Jimmy Kimmel's cancellation. The Eric Metaxas Show Charlie Kirk's influence and Donald Trump's speech to the United Nations https://podcastaddict.com/the-eric-metaxas-show/episode/207347502  Sep 24 2025   The Eric Metaxas Channel on YouTube- https://www.youtube.com/@ericmetaxas/videos --------------------------------------------------------------------  Check out our ACU Patreon page: https://www.patreon.com/ACUPodcast   HELP ACU SPREAD THE WORD!  Please go to Apple Podcasts and give ACU a 5 star rating. Apple canceled us and now we are clawing our way back to the top. Don't let the Leftist win. Do it now! Thanks. Also Rate us on any platform you follow us on. It helps a lot. Forward this show to friends. Ways to subscribe to the American Conservative University Podcast Click here to subscribe via Apple Podcasts Click here to subscribe via RSS You can also subscribe via Stitcher FM Player Podcast Addict Tune-in Podcasts Pandora Look us up on Amazon Prime …And Many Other Podcast Aggregators and sites ACU on Twitter- https://twitter.com/AmerConU . Warning- Explicit and Violent video content.   Please help ACU by submitting your Show ideas. Email us at americanconservativeuniversity@americanconservativeuniversity.com   Endorsed Charities -------------------------------------------------------- Pre-Born! Saving babies and Souls. https://preborn.org/ OUR MISSION To glorify Jesus Christ by leading and equipping pregnancy clinics to save more babies and souls. WHAT WE DO Pre-Born! partners with life-affirming pregnancy clinics all across the nation. We are designed to strategically impact the abortion industry through the following initiatives:… -------------------------------------------------------- Help CSI Stamp Out Slavery In Sudan Join us in our effort to free over 350 slaves. Listeners to the Eric Metaxas Show will remember our annual effort to free Christians who have been enslaved for simply acknowledging Jesus Christ as their Savior. As we celebrate the birth of Christ this Christmas, join us in giving new life to brothers and sisters in Sudan who have enslaved as a result of their faith. https://csi-usa.org/metaxas   https://csi-usa.org/slavery/   Typical Aid for the Enslaved A ration of sorghum, a local nutrient-rich staple food A dairy goat A “Sack of Hope,” a survival kit containing essential items such as tarp for shelter, a cooking pan, a water canister, a mosquito net, a blanket, a handheld sickle, and fishing hooks. Release celebrations include prayer and gathering for a meal, and medical care for those in need. The CSI team provides comfort, encouragement, and a shoulder to lean on while they tell their stories and begin their new lives. Thank you for your compassion  Giving the Gift of Freedom and Hope to the Enslaved South Sudanese -------------------------------------------------------- Food For the Poor https://foodforthepoor.org/ Help us serve the poorest of the poor Food For The Poor began in 1982 in Jamaica. Today, our interdenominational Christian ministry serves the poor in primarily 17 countries throughout the Caribbean and Latin America. Thanks to our faithful donors, we are able to provide food, housing, healthcare, education, fresh water, emergency relief, micro-enterprise solutions and much more. We are proud to have fed millions of people and provided more than 15.7 billion dollars in aid. Our faith inspires us to be an organization built on compassion, and motivated by love. Our mission is to bring relief to the poorest of the poor in the countries where we serve. We strive to reflect God's unconditional love. It's a sacrificial love that embraces all people regardless of race or religion. We believe that we can show His love by serving the “least of these” on this earth as Christ challenged us to do in Matthew 25. We pray that by God's grace, and with your support, we can continue to bring relief to the suffering and hope to the hopeless.   Report on Food For the Poor by Charity Navigator https://www.charitynavigator.org/ein/592174510   -------------------------------------------------------- Disclaimer from ACU. We try to bring to our students and alumni the World's best Conservative thinkers. All views expressed belong solely to the author and not necessarily to ACU. In all issues and relations, we hope to follow the admonitions of Jesus Christ. While striving to expose, warn and contend with evil, we extend the love of God to all of his children. ----------------------------------------------------------------------------------------- 

Saving faith is not the result of a human decision but of a divine gift. Today, R.C. Sproul beckons us to admire the miraculous mercy exhibited in every Christian's conversion. Read the transcript: https://ligonier.org/podcasts/ultimately-with-rc-sproul/the-gift-of-faith/ Study Reformed theology with a free resource bundle from Ligonier Ministries: https://grow.ligonier.org/ A donor-supported outreach of Ligonier Ministries. Donate: https://donate.ligonier.org/ Explore all of our podcasts: https://www.ligonier.org/podcasts

Use our Nike affiliate link to shop here: https://www.kqzyfj.com/click-101505473-17049705?url=https%3A%2F%2Fwww.nike.com%2Fw%2Fmlb-b0g9x To learn more, go support your favorite neighborhood spot and see what Square has been up to in your neck of the woods. And then if you have extra time, check out https://squareup.com/go/dugout It's the season finale of Dugout Discussions and we're joined by a familiar face in Vinnie Pasquantino. He and Rose catch up on his career year, why he decided to get cornrows, fantasy football and ABS coming to the MLB. Let us know below what you'd like to see in the offseason and next year! Show best viewed on YouTube 0:00 Welcome back! 0:40 Saving the best for last 1:20 What do you do on off days on the road? 1:40 Why Vinnie and Rose don't like the ocean 2:35 How tired are you at the end of a year? 3:25 The art of talking with people at first base 6:10 Vinnie's first 30 homer 100 RBI season 8:20 Vinnie the speedster 10:05 Offseason plans 11:45 Jets misery and meeting Ryan Fitzpatrick 13:30 Vinnie is in 7 fantasy leagues 15:30 Vinnie's cornrows 17:05 Was this season a bit of a letdown? 18:15 Thoughts on ABS in baseball next year? 21:30 Non-reviewable plays that make no sense 23:00 Who is the best team in baseball? 24:00 Video game of choice this offseason 25:00 Browns Jets Matchup 27:30 Thank you and see you next season! Follow all of our content on https://jomboymedia.com JM Merch Store: https://shop.jomboymedia.com/ Featuring: Vinnie Pasquantino Hosted by: Chris Rose Edited by: Alex Graap #JMBaseball Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.