Podcasts about saving money

Nicole Wardner with the North Dakota Beef Commission offers a few ideas if you are looking to save a few dollars on your holiday meal. See omnystudio.com/listener for privacy information.

In this episode, we sit down with Sebastien Scemla, a Florida-licensed real estate broker and developer who runs a family fund focused on income-producing real estate across Miami. A Miami native and early investor in neighborhoods like the Design District, Little River, Wynwood, and North Miami, Sebastien shares how he identifies emerging markets before the mainstream catches on.As the founder of Omega Real Estate Management Group, Sebastien has brokered and sponsored over $300M in commercial real estate, assembled key properties prior to major value spikes, and played a pivotal role in the redevelopment of Downtown North Miami, including the vision behind The Gardens District.We dive into his long-term approach to market analysis, negotiation, public incentives, and urban redevelopment, as well as his philosophy on community impact, live-work-play developments, and building lasting value through real estate.

Saving Money, Making Money and Connecting With Your Pets Join Jim as he thinks outside the box to hel put money in your pocket! Also, Jim talks about taking your pet's love to the next level.

Saving Money, Making Money and Connecting With Your Pets Join Jim as he thinks outside the box to hel put money in your pocket! Also, Jim talks about taking your pet's love to the next level.

Welcome to today's ICYMI, where we kick off the week with a quick game-changing tip from one of our guests that you might have missed. Spending can be hella stressful heading into the holiday season, and if you're struggling with debt or with setting up realistic financial goals for the coming year, this is a must-listen reminder for overcoming financial stress and toxic money patterns.A healthy money mindset is the missing ingredient for a lot of people's financial security. So we're throwing it back to this sustainable financial advice from finance coach Nicole Stanley on dealing with debt, setting realistic money goals, and her own journey to get debt-free. Nicole Stanley is the Founder & Head Financial Coach of Arise Financial Coaching. After battling crippling financial anxiety in her early twenties, Nicole enrolled in her first personal finance course and made changes to go from 30K in debt to building over a quarter-million in net worth for her family at age  27. Arise Financial Coaching has now served over 600 clients and has been featured in TIME, Yahoo Finance, & CNET.Listen to our full episode with Nicole here.Tune in every Monday for an expert dose of life advice in under 10 minutes.Follow Nicole:On Instagram: @arise.financial.coachingArise Financial Coaching Sign up for our monthly adulting newsletter:teachmehowtoadult.ca/newsletter Follow us on the ‘gram:@teachmehowtoadultmedia@gillian.bernerFollow on TikTok: @teachmehowtoadultSubscribe on YouTube

With medical costs rising faster than ever, families are searching for better options and many do not realize there is an alternative that can save thousands while giving them more choice. In this eye-opening episode, Danielle Drori breaks down exactly how healthshares work, how they differ from insurance and why they can give families more choice and financial freedom. We explore maternity coverage, emergency care, alternative treatments, telehealth access, catastrophic events and real examples of families who saved thousands. This conversation is packed with clarity and reassurance so you can confidently explore whether a healthshare is the right fit for your family's needs. Topics Covered In This Episode: Healthshare vs insurance basics Maternity and emergency coverage Telehealth access for families Cost-sharing benefits and limitations Supporting medical freedom and choice Show Notes:   Click here and use code ELANAHS for 30% Off Your First Six Months and $300 Extra Self Care Credit Terms & Conditions: Offer is available to new members who have never previously been enrolled with Knew Health. This offer cannot be combined with any other offers. After the 6-month promotional period, the Knew Health membership will automatically renew at the regular monthly contribution rate. The $300 additional Self-Care Credit will be applied after three months of consecutive membership. Knew Health reserves the right to modify or cancel this offer at any time without prior notice. Follow @knew_health on Instagram Click here to learn more about Dr. Elana Roumell's Doctor Mom Membership, a membership designed for moms who want to be their child's number one health advocate! Click here to learn more about Steph Greunke, RD's online nutrition program and community, Postpartum Reset, an intimate private community and online roadmap for any mama (or mama-to-be) who feels stuck, alone, and depleted and wants to learn how to thrive in motherhood. Listen to today's episode on our website I am Head of the Member Care Team at Knew Health - I educate people on our membership and help them figure out if we are a good fit for their healthcare needs. I'm also a member of the Knew Health Community, as well as a mom of 3 little ones :) This Episode's Sponsors  Enjoy the health benefits of PaleoValley's products such as their supplements, superfood bars and meat sticks.  Receive 15% off your purchase by heading to paleovalley.com/doctormom  Discover for yourself why Needed is trusted by women's health practitioners and mamas alike to support optimal pregnancy outcomes. Try their 4 Part Complete Nutrition plan which includes a Prenatal Multi, Omega-3, Collagen Protein, and Pre/Probiotic. To get started, head to thisisneeded.com, and use code DOCTORMOM20 for 20% off Needed's Complete Plan! Active Skin Repair is a must-have for everyone to keep themselves and their families healthy and clean.  Keep a bottle in the car to spray your face after removing your mask, a bottle in your medicine cabinet to replace your toxic first aid products, and one in your outdoor pack for whatever life throws at you.  Use code DOCTORMOM to receive 20% off your order + free shipping (with $35 minimum purchase). Visit BLDGActive.com to order. INTRODUCE YOURSELF to Steph and Dr. Elana on Instagram. They can't wait to meet you! @stephgreunke @drelanaroumell Please remember that the views and ideas presented on this podcast are for informational purposes only.  All information presented on this podcast is for informational purposes and not intended to serve as a substitute for the consultation, diagnosis, and/or medical treatment of a healthcare provider. Consult with your healthcare provider before starting any diet, supplement regimen, or to determine the appropriateness of the information shared on this podcast, or if you have any questions regarding your treatment plan.

Discipline is the foundation of everything. You don't get transformation without it. In this powerful Best Of Harder Than Life episode, we break down the truth about what real change actually takes. Not hacks, not shortcuts, not motivation quotes… but self-mastery, consistency, and the willingness to keep going when it stops being exciting. Featuring hard-hitting moments from Grant Cardone, Coach Micheal Burt, Craig Ballantyne, and Molly Smith, this episode gives you the blueprint to activate your drive, escape destructive cycles, build unshakable discipline, and create the identity required for massive transformation. This is the mindset. This is the muscle. This is the work behind every breakthrough. Key Takeaways

Alan Porter was this week's guest on Success Profiles Radio. He is a retired Blackhawk helicopter instructor pilot with 21 years in the U.S. Army, and discovered his true calling when a life insurance policy saved his family from financial ruin after the tragic passing of his daughter-in-law. He is the CEO of Strategic Wealth Strategies, and leads a powerhouse team of CPAs, tax attorneys, and elite financial professionals dedicated to delivering tax-free retirement solutions and bulletproof financial strategies. We discussed the biggest financial mistakes people make, devastating stories of people who didn't have life insurance or long-term care insurance, the decision of whether or not to take Social Security at age 62, and using tax-free investment vehicles to keep more of what you've earned. In addition, we talked about creating guaranteed lifelong income, becoming our own bank, not wasting money on taxes, and his book Tax Free Retirement Solution. We discussed so much more on the show. You can listen and download it on Apple Podcasts/Tunes, Spotify, Audible, Amazon, iHeart Radio, and at https://toginet.com/shows/successprofilesradio/

As the economy worsens, expect to see more articles from legacy media about how saving money is actually bad for the economy. It's an old Keynesian myth.Be sure to follow the Loot and Lobby podcast at Mises.org/LL

Meet Kimberly Fleer, an industry veteran and mental wellness advocate. Kimberly shares her personal story of entering the hospitality world at age 15 to find financial support and a sense of family that was absent at home, rapidly excelling in roles from server to sommelier. While the industry provided valuable skills and camaraderie, it also became a means to mask and ignore childhood trauma, eventually leading to severe substance abuse. After achieving sobriety in 2020and losing a close friend to overdose, Kimberly recognized a critical gap in the industry's system of care: a lack of resources, education, and open conversation about mental health and recovery. She now works to address this through her company, Last Call, by helping employers embed preventative measures, normalize vulnerable conversations, and create recovery-friendly workplaces to save lives, improve culture, and dramatically reduce high turnover rates. 10 Takeaways Hospitality as a Double-Edged Sword: The industry offers family and community, but its high-pressure, hard-working, and "play hard" culture can easily enable substance abuse as a coping mechanism for underlying trauma. The System of Care Failure: Historically, the industry lacks onboarding or continuous resources for mental health, making it difficult for staff to seek or even know about recovery pathways (detox, inpatient, etc.). Vulnerability is Leadership Strength: Leaders who are authentic and vulnerable about their own challenges (e.g., stress, personal issues) build trust and create a safe culture, countering the pressure for staff to appear flawless. The Stigma Barrier: Normalization of excessive use makes staff fear speaking up about their struggles, as it's often incorrectly perceived as a sign of weakness or a risk to their job security. Post-Shift Decompression: Service staff are often in "fight or flight" mode after an intense shift. Employers need to provide healthy, non-alcoholic ways (e.g., group de-briefs, self-care education) to regulate the nervous systeminstead of immediately turning to alcohol/drugs. Prevention Over Reaction: Proactive measures—starting with mental health education in the onboarding processand daily pre/post-shift check-ins—are vital to prevent burnout and crisis situations. Run Towards the Storm: A core theme is the need for leaders to face difficult conversations and systemic issues head-on, rather than ignoring or running away from them. Recovery Boosts Retention: Actively hiring and supporting people in recovery leads to exceptionally high staff retention (e.g., 94% retention in one case study) and creates a more reliable, motivated workforce. Transferable Skills: The industry attracts and develops highly talented individuals with immense transferable skills, making it an excellent place to build a career, especially for those seeking a fresh start. Bring the Human Back: The ultimate goal is to "bring the human back to hospitality" by prioritizing the wellness of the people who serve, recognizing that personal health is essential to professional performance.

For this week's Tech Takeover, Jess Kelly, Newstalk's Technology Correspondent joins Ciara Doherty to discuss how you can save a lot of money on your monthly phone bill by shopping around online!

Shop Our Black Friday Deals HERE https://theclubhouse1.lpages.co/black-friday-landing-page In this episode, I dive into the habits and mindset shifts that help you finally get serious about saving money. I share practical tips on building financial discipline and breaking bad money habits that hold most people back. By the end, you'll have a clear, actionable path to take control of your finances and start seeing real progress. Free Calorie Calculator https://ericrobertsfitness.com/free-calorie-calculator/ 20% Off Legion Athletic Supplements Code “ERIC” HERE https://legionathletics.rfrl.co/qj2dy Youtube Channel https://www.youtube.com/@ericrobertsfitness

In this engaging conversation, Tony and Alex explore the world of travel and cruising, delving into Alex's travel origins, favorite destinations, and money-saving tips. They discuss the evolving landscape of cruising, the importance of loyalty programs, and the debate surrounding the authenticity of cruising as a form of travel. Alex shares insights on hidden gems in the U.S., the impact of new trends in cruising, and his thoughts on the future of travel. The conversation is filled with valuable advice and personal anecdotes, making it a must-listen for travel enthusiasts. See the video version of the epsiode here: https://youtu.be/ISUHZzofTc8 Chapters 00:07 The Journey Begins: Alex's Travel Origin Story 04:41 Top Travel Destinations: Exploring the World 07:52 Bucket List Adventures: Future Travels Await 09:22 Money-Saving Travel Tips: Travel Smart 13:46 The Passport Debate: Travel Accessibility 16:13 Hidden Gems: U.S. Travel Recommendations 18:48 Cruising vs. Real Travel: A Debate on Experiences 21:41 Cruise Line Loyalty Programs: Worth It? 22:51 The Power of Loyalty Programs 25:49 Psychology Behind Loyalty and Brand Affinity 28:31 Cruising Preferences and Experiences 32:54 The Rise of Private Islands in Cruising 36:56 Short Cruises: A New Trend in Cruising 40:53 Evolution of the Cruise Experience 43:57 Future Trends in Cruising Copyright La Lido Loca 2025

In the world of entrepreneurship, they say success takes 10 years and a lot of grit. For Van Carlson, Founder & CEO of SRA 831(b) Admin, it took 18 years to become the largest manager of self-insured 831(b) plans—a true testament to niche mastery and resilience.Van's journey was forged in fire: the 2008 Great Recession hit his commercial clients hard, forcing him to completely reinvent his approach to business risk. Out of that challenge, he built a company that re-engineered how small businesses protect their wealth and operations.If you're a high-growth founder looking to shield your company from economic turbulence and utilize advanced tax-advantaged strategies, this episode is essential listening.In this episode, Van breaks down:The 2008 Pivot: How a massive economic downturn forced him to rethink his entire business model, leading to the creation of SRA and the 18-year path to industry dominance.The Tax Advantage CEO: The powerful, often overlooked 831(b) strategy that allows small businesses to self-insure tax-deferred dollars, creating a financial fortress against economic dips, natural disasters, and unforeseen events.Becoming the Industry Leader: The specific market positioning, strategy, and dedication required to become the largest manager in a highly specialized financial niche.Navigating Headwinds: How Van helps clients tackle modern market challenges like increased tariffs and regulatory red tape by empowering them with self-insurance tools.Tune in to discover the strategic risk management that high-level entrepreneurs use to maintain market advantage and long-term financial security.Support the showRemember to subscribe for free to stay current with entrepreneur conversations. Want the episode freebie or have a question for our guest or Vincent? Interested in becoming a guest or show partner? Email us.This Episode is Brought to You By: Coming Alive Podcast Production: www.comingalivepodcastproduction.com Music Credits: Copyright Free Music from Adventure by MusicbyAden.

Saving Money During Thanksgiving, Alternative Cooking methods and Social Commentary Join Jim as he offer practical money saving ideas as well as discussing alternative methods to cook your food. he also offers social commentary during this episode!

Saving Money During Thanksgiving, Alternative Cooking methods and Social Commentary Join Jim as he offer practical money saving ideas as well as discussing alternative methods to cook your food. he also offers social commentary during this episode!

News That Didn't Make the News: Password trends, Saving money, and more... See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

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Hey, it's James from SurvivalPunk.com, and it's a chilly 45-degree morning out here — perfect weather to talk about one of my favorite survival topics that applies to everyone, every day: saving money like a prepper. Because the cold truth is this: everything costs more, wages haven't kept up, and if you aren't intentional, your money will evaporate faster than a Taco Bell taco in the hands of a 90s kid. Today we're hitting three big money-saving pillars straight from my own life: cutting your own hair, eating at home, and never paying retail. These simple habits save me thousands every year — and they'll do the same for you.

Rory McGowan talks to Tara Jarrett, a nurse advisor who's been dealing in continence care for 21 years, about how this taboo area of healthcare works and how care homes and hospitals are saving money via standardised training and product usage. They discuss updating our mindset around how we think of continence care, and why we should talk about it more if we have issues around our bladder and believe that we can save money on care.

Hey, it's James from SurvivalPunk.com, and it's a chilly 45-degree morning out here — perfect weather to talk about one of my favorite survival topics that applies to everyone, every day: saving money like a prepper. Because the cold truth is this: everything costs more, wages haven't kept up, and if you aren't intentional, your money will evaporate faster than a Taco Bell taco in the hands of a 90s kid. Today we're hitting three big money-saving pillars straight from my own life: cutting your own hair, eating at home, and never paying retail. These simple habits save me thousands every year — and they'll do the same for you. "Saving Money Like a Prepper | Episode 545" The post Saving Money Like a Prepper | Episode 545 appeared first on Survivalpunk.

In this classic talk, Earl Nightingale reveals the simple truth separating the top 5% from the rest of the world. Success, he explains, belongs to those who think — those who refuse to conform, who see opportunity in their work, and who save with discipline. Through clear logic and timeless wisdom, Nightingale shows how independent thought, excellence, and consistent saving can guarantee both wealth and peace of mind.GET MY TOP 28 BOOK RECOMMENDATIONS: Click here to get your free copy of “28 Books That Will Rewire Your Mindset for Success and Self-Mastery” curated by yours truly!Source: Earl Nightingale The Top 5 percent Hosted by Sean CroxtonFollow me on InstagramSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Everyone wants to save money on their home and this week on Real Estate Today, we're showing you how. From lowering your mortgage rate to dodging rising insurance premiums, we'll cover the smartest ways to protect your wallet and make the most of your real estate investment. Learn how REALTORS® help clients avoid costly mistakes, what smart financial strategies can help homeowners save more, and how a little paint can go a long way in a budget-friendly remodel. Guests include Matt Schulz, chief consumer finance analyst at LendingTree; Travis Hodges, managing director of VIU; Sue Wadden, director of color marketing at Sherwin-Williams; Rebecca Hidalgo, REALTOR®; and Tom Staub, CEO of Red Oak Development Group. Plus, in our Hot or Not segment, we explore two home design trends making headlines: home theaters and tinted windows.

Your savings account is stealing from you. Here's how to fight back.Most people think investing is complicated or only for the rich. It's not. In this video, I'm breaking down exactly how to start investing with just $100—even if you're paying off debt or have zero experience.What You'll Learn:• Why your savings is losing value every year (and what to do about it)• The #1 mistake beginners make (don't pick individual stocks!)• How $100 can grow to $1,764+ over time• Step-by-step: Open an account, choose investments, automate itThis isn't theory—this is the exact strategy I used to build wealth.

Director of Educational Outreach at “Next Gen Personal Finance” Yanely Espinal gives tips on how to achieve the best financial quality of life. Also, Darius Rucker stops by to discuss his brand-new band that brings together three rock legends. Plus, the best gifts ahead of the holidays – all for under $50. And, forecasting travel and dining trends for 2026.  Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Who's in more debt, Landlord or Tenant? How can landlords reduce costs and increase the profitability of their rentals? How can a property manager increase your profits and save you money? In today's episode, I interview Mark Sorokurs of Central Pinellas Realty and Collman Properties. I've known Mark about seven years and he's been in real estate for about eight years now after "retiring" from IT in 2012. You can also hear Mark in Episode 245 - Saving Money by Using a Property Manager You can reach Mark at www.centralpinellasrealty.com or office@colemanproperties.com., or 727-738-RENT (7368). Let us know if you enjoy this episode and, if so, please share it with your friends, like and subscribe to the show! Or, you can support the show by visiting our Patreon page: https://www.patreon.com/crushingDebt   To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com or follow his Tiktok channel - https://www.tiktok.com/@curbelofinancialcoach   To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com or visit www.YesnerLaw.com. And please consider a donation to Pancreatic Cancer research and education by joining Shawn's team at MY Legacy Striders: http://support.pancan.org/goto/MyLegacy2026 

There's a certain allure to the idea of doing it yourself, a promise of simplicity and satisfaction. Yet, what begins as a straightforward endeavor can quietly unravel, demanding far more than you ever intended to give. Instead of saving resources, the process often consumes them in unexpected ways, leaving you with a different outcome than the one you first imagined. / Exploring “day-off shame” in modern workplaces (11:59). On the show: Steve, Yushun & Xingyu

NBC News Chief Consumer Investigative Correspondent Vicky Nguyen discusses ways to find free food, have fall fun, and save money in the upcoming holidays. Also, TODAY Lifestyle and Commerce Contributor Jill Martin is back in Studio 1A to spotlight the face behind a skincare brand that was founded in 2020 and is now a multi-million-dollar company. Plus, Emmy-nominated actor John Slattery stops by to discuss his upcoming film 'Nuremberg' which is inspired by the WWII courtroom trial of high-ranking officers prosecuted for their crimes. And, the creator of 'Everybody Loves Raymond' Phil Rosenthal shares his new cookbook 'Phil's Favorites' inspired by friends, family, and chefs from around the world.  Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

The today's episode, Warren Ingram and Pieter de Villiers delve into the complexities of intergenerational wealth and tax planning, emphasizing that while minimizing taxes is important, it should not overshadow the broader goal of creating a fulfilling life. The discussion highlights alternative strategies for tax savings, such as endowments, and encourages a holistic view of financial planning that aligns with personal life goals.TakeawaysIntergenerational wealth requires thoughtful tax planning.Endowments can be a more effective tax-saving strategy.Minimizing taxes shouldn't be the sole focus of financial planning.Consider the life you want to create when planning finances.Financial strategies should align with personal values and goals.There are cheaper ways to save on taxes than traditional methods.A numbers conversation is essential for effective planning.Life goals should guide financial decisions.Tax planning is a means to an end, not the end itself.Creating a fulfilling life is the ultimate financial goal.Learn more about Prescient Investment Management here.Send us a textHave a question for Warren? Don't forget to voice note your questions through our WhatsApp chat on (+27)79 807 8162 and you could be featured in one of our episodes. Follow us on Twitter, LinkedIn and subscribe to our YouTube channel for more Financial Freedom content: @HonestMoneyPod

Kanklefritz & Friends share ways to save a dollar, especially when it come to grocery shopping and leftovers. Also, the reminder how to truly get to know God in His Word.

Alternative Power Sources, Saving Money on Groceries and More! Join Jim as he talks about issues that can directly effect your life!

Alternative Power Sources, Saving Money on Groceries and More! Join Jim as he talks about issues that can directly effect your life!

Feel “broke” even though you've got money in savings and retirement? You might be trapped by compartmentalized thinking, paying 25–30% on credit cards while your “retirement money” sits idle.  In this episode, we show you how to see your finances as one pool of money, become your own banker, and pay yourself back, without making money more complicated.

Dreaming of fresh powder and mountain views, but worried about the price tag? Ski trips often come with costly lift tickets, gear, lodging, and meals—but that doesn't mean they're out of reach. With the right hacks, you can enjoy a winter getaway without draining your bank account.In this episode, host Angie Orth is back with travel journalist Melissa McGibbon, who shares her top five hacks for saving money on your next ski trip. From finding affordable flights and off-site gear rentals to knowing the best times of year for deals, Melissa shows how small shifts in planning can mean big savings on the slopes.You'll hear practical advice for beginners and seasoned skiers alike, along with clever ways to balance convenience and cost. Whether you're skiing late in the season, splurging on one memorable meal, or picking the right kind of lift pass, this episode has you covered for ski season. What You'll Learn:(00:46) The best time to book flights and where to keep an eye on prices(01:17) Accommodation hacks that save money (01:46) Why late-season skiing can mean better deals and sunnier days(02:49) How to approach food choices without overspending(03:37) Tips for saving on lift tickets and gear rentalsConnect with Melissa McGibbon:Articles: https://www.powder.com/author/melissa-mcgibbonInstagram: https://www.instagram.com/missmliss/CTA: How do you save money when you hit the slopes? Tell us in the comments! Connect with AAA:Book travel: https://aaa-text.co/travelingwithaaa LinkedIn: https://www.linkedin.com/company/aaa-auto-club-enterprisesInstagram: https://www.instagram.com/AAAAutoClubEnterprisesFacebook: https://www.facebook.com/AAAAutoClubEnterprises

Every year, Medicare Open Enrollment presents an important opportunity for retirees and individuals enrolled in Medicare to review, update, and make changes to their health and prescription drug coverage. If you're on Medicare or approaching retirement, understanding the enrollment period and your options is crucial to ensuring comprehensive and cost-effective health care. I'm sharing the seven essential things you need to know to make the most of this important window. Whether you're already enrolled in Medicare or want to stay ahead of your retirement planning, I explain key dates, your options for switching plans, how to review or update your prescription drug coverage, and what to do if your health or coverage needs have changed.  Tune in to learn about navigating Medicare Advantage, Medigap, and everything you should consider before December 7th to keep your health and finances on track as you plan your ideal retirement. You will want to hear this episode if you are interested in... [01:56] Seven key things to know about Medicare open enrollment. [03:04] Making changes to your Medicare supplemental coverage. [04:30] Prescription drug plan options. [05:21] How to evaluate and change Medicare Advantage plans. 07:30] Switching from a Medicare Advantage plan to a Medigap plan. [12:17] Effective dates for making Medicare Changes. What Is Medicare Open Enrollment? Medicare Open Enrollment occurs annually from October 15th to December 7th. During this time, anyone currently enrolled in Medicare has the chance to make changes to their coverage. This window allows you to switch plans, sign up for supplemental coverage, or alter your prescription drug benefits, flexibility that's vital as your health needs or financial circumstances shift. It's important to note that this period is only for those already enrolled in Medicare, not for newly eligible individuals. This annual period matters for anyone with existing Medicare coverage. If you're new to Medicare, say, your 65th birthday is coming up, your initial enrollment period is separate, and open enrollment won't apply until the following year. Retirees and older people who have already navigated their initial sign-up should take advantage of open enrollment to ensure their health plan continues to meet their needs. Your Medicare Options Medicare coverage comes in several forms: Original Medicare (Parts A & B): Provides hospital and medical insurance. Medicare Advantage: All-in-one alternatives to Original Medicare, often with additional benefits and lower out-of-pocket costs. Medigap (Medicare Supplement): Offers extra coverage to help pay healthcare costs not covered by Original Medicare. Open enrollment is your chance to change from one type to another, such as moving from a Medicare Advantage plan to a Medigap policy or vice versa. Switching plans can bring savings or better coverage, depending on your health situation, but there are specific rules, like the six-month initial enrollment for Medigap and state-specific regulations, that you must navigate. Prescription Drug Plans: Reviewing and Updating Part D Prescription needs often change, and so do the offerings of Part D drug plans. This period lets you join, drop, or switch your drug coverage. If your current plan is discontinuing a medication you rely on or raising costs, research alternatives in your area. Lack of creditable drug coverage carries penalties, making it important to have either Part D or a Medicare Advantage plan with drug benefits. Switching Medicare Advantage Plans Medicare Advantage plans differ in costs, networks, and coverage options, and these can change each year. If your doctors are no longer covered or prescription benefits shift unfavorably, open enrollment is the time to shop for a better-fitting plan. Changes due to pricing or plan termination also allow you to choose a new plan that better fits your situation for the upcoming year. Understanding Medigap Eligibility and State Rules Switching from Medicare Advantage to Medigap isn't always straightforward, especially after your initial six-month enrollment window. Some states, including Connecticut, New York, and Massachusetts, offer more flexibility, letting you change plans without penalties for pre-existing conditions. Outside of these areas and time frames, you may face higher premiums or coverage denial unless a “guaranteed issue period” applies, such as following a plan termination or a move to a different state. Timing and Next Steps Any changes you make during Medicare Open Enrollment become effective January 1st of the following year. It's important to act before the December 7th deadline, so plan ahead, review notices, research alternatives, and consult with trusted advisors if you're unsure. Keeping up annually ensures your coverage fits your evolving health needs and budget. Medicare Open Enrollment can feel overwhelming, but it's a vital tool for retirees aiming for optimal care and cost efficiency. Stay informed, review your options, and take charge of your retirement health plan this open enrollment season. Resources Mentioned Retirement Readiness Review Subscribe to the Retire with Ryan YouTube Channel Download my entire book for FREE  Avoid These Seven Medicare Enrollment Mistakes and Protect Your Finances, #271  Connect With Morrissey Wealth Management  www.MorrisseyWealthManagement.com/contact   Subscribe to Retire With Ryan

Alcohol For Fuel, Advice On Saving Money On Groceries, World Events & More Join Jim as he talks about issues that directly effect your life!

Alcohol For Fuel, Advice On Saving Money On Groceries, World Events & More Join Jim as he talks about issues that directly effect your life!

Our show is best watched on YouTube:https://go.www.letsgettothepoints.com/TokyoExplore Tokyo on points and miles! We cover booking ANA and JAL flights to finding the best hotels, trains, food, and Mt. Fuji views. Plus, tips on saving money, when to visit, and off-the-beaten-path Japan.Thank you to Kengo from www.youtube.com/@tokyokenchan for joining us as a guest co-host!Learn about points and miles in our Elevate course and community:https://letsgettothepoints.com/elevateCredit Card Links: http://go.www.letsgettothepoints.com/CreditCardsSign up for our newsletter:https://go.www.letsgettothepoints.com/JoinOurEmailWebsite: https://www.letsgettothepoints.com/Email: letsgettothepoints@gmail.comIG: https://www.instagram.com/letsgettothepoints/ TikTok: https://www.tiktok.com/@letsgettothepointsEXCLUSIVE TRAVEL DISCOUNT CODES:https://letsgettothepoints.com/tools/Seats.aero: Award Flight Search EngineUse Code: LETSGETPRO for $20 off the first yearhttps://seats.aero/Book Private Transport in 100+ Countries with Kiwitaxi:https://go.www.letsgettothepoints.com/KiwitaxiUse Code: LGTTP5 for 5% off all ridesSign up for Award Email Notifications from Straight To The PointsUse Code: LGTTP20 for 20% off the annual planhttps://go.www.letsgettothepoints.com/StToThePointsTravel Freely: The FREE site we use to stay organized and track our 5/24 statushttps://my.travelfreely.com/signup?bref=lgwCardPointers: Save Money and Maximize Your Spend Bonuseshttps://go.www.letsgettothepoints.com/CardPointersMaxMyPoint: Hotel Rewards CheckerUse Code: LGTTP for 20% off the first year of your Platinum Subscription https://maxmypoint.comON TODAY'S SHOW:0:00 Intro1:37 Tokyo on Points and Miles7:34 How to Book ANA and JAL Flights14:28 The ANA Credit Card18:25 Train vs Flights in Japan22:36 Hotel Updates in Tokyo: Park Hyatt, Caption, Hyatt House29:15 Train Stations in Tokyo36:01 Food Recommendations in Tokyo from a Local44:51 Saving Money on Hotels and Ryokans47:57 Best Time to Go to Japan50:53 Mt Fuji Views51:47 Living in Tokyo as a Local52:43 Off the Beaten Path JapanLISTEN TO US ON THE GO: Apple Podcast: https://go.www.letsgettothepoints.com/ApplePodcastSpotify:https://go.www.letsgettothepoints.com/SpotifyThank you for supporting our Channel! See you every Friday with a new episode!Support this podcast: https://go.www.letsgettothepoints.com/SupportUsDisclaimer: The content is for informational purposes only, you should not construe any such information or other material as legal, tax, investment, financial, or other advice.Advertiser Disclosure:This video may contain links through which we are compensated when you click on or are approved for offers. The information in this video was not provided by any of the companies mentioned and has not been reviewed, approved, or otherwise endorsed by any of these entities. Offers are current only at the time of the video publishing date and may have changed by the time you watch it.Let's Get To The Points is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CardRatings. Let's Get To The Points and CardRatings may receive a commission from card issuers.This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post. The content of this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.

Planning a Disney World trip doesn't have to break the bank!

In our 100th Kosher Money episode, we chat with Richard Simon, a guy who went completely offline for a year. What he learned might totally change how you see your phone.We were promised connection and convenience, but most of us just feel more anxious and distracted. In his book Unplug, Richard talks about how our devices quietly steal our focus and shape our lives without us even realizing it.If you've ever felt glued to your phone, this episode might be the nudge you need to finally take a break.Contact: author@richard-simon.com✬ SPONSORS OF EPISODE 100 ✬► BITBEAN – BitBean is the go-to team for custom software that actually works for your business. Whether you're in healthcare, finance, or retail, they've built powerful platforms that scale smart. Connect here: https://bitbean.link/4edg53► TWILLORY – Premium men's wear that works hard and looks even better. Use promo code CHAI20 at https://Twillory.com/KosherMoney for 20% off your first order. Enjoy!► MONEY HALACHA – Real people have real money questions and Money Halacha has real Torah answers. Get short, practical 1–4 minute halacha clips straight to your phone every week via WhatsApp: https://MoneyHalacha.com/Join► COLEL CHABAD – Our brothers and sisters in Israel need us more than ever. Every dollar makes a difference at https://colelchabad.org/koshermoney so please give what you can. Thank You!CHAPTERS:00:00 Intro01:29 The Moment Richard Realized He Was in Control03:23 People's Outrageous Screen Time03:50 Forgetting What Life Was Like Before Phones04:49 What Happens to Our Brains When We Use Our Phones06:00 How Richard's Smartphone Affected His Career07:09 Attention Residue11:09 You CAN Be More Focused12:33 This MLB Player's Big Decision16:50 Why Get Rid of Your Phone Completely?20:30 BitBean – Bringing Your Big Ideas to Life21:23 Twillory – Look Good and Feel Good22:48 Letting Go of Technology Frees Your Mind28:00 How to Break Up With Your Phone33:35 The Awareness of Phone Addiction35:27 The Challenge of Giving Up His Smartphone37:15 What Richard Used Instead of His Apps39:05 How His Wife Was Influenced39:53 Should We Give Our Children Smartphones?47:02 Girls vs. Boys – Conversations and Smartphones47:46 Money Halacha – Weekly Halacha Clips49:06 Colel Chabad – Feeding Thousands of Families50:21 How the Corporate World Is Unplugging52:10 The Different Smartphone Breakup Styles53:40 Addiction vs. Self-Control54:19 Saving Money by Going Phone-Less55:05 What Richard Did With His New Free Time57:20 Quietness Leads to the Best Results59:42 Why People Struggle to Let Go of Their Phones1:00:01 The First Step to a Healthier Relationship1:04:55 Pros and Cons of ChatGPT1:07:40 What Richard Would Tell His Younger Self1:08:22 How He Helps People Work on Their Phone Addiction1:10:31 Ways to Make Using Your Phone Less Tempting1:12:38 Richard's Must-Have Book1:13:27 How to Contact Richard1:13:38 Why Richard Doesn't Have Social Media1:15:02 Richard's Next Book? + Recs1:16:39 Outro: Contest & New Winner✬ Support the show! - https://www.livinglchaim.com/donateNeed financial clarity? Visit LivingSmarterJewish.org for free resources.Follow Kosher Money for bonus clips:TikTok: https://www.tiktok.com/@koshermoneypodInstagram: https://www.instagram.com/koshermoneypodCall-In-To-Listen Hotline:USA: 605-477-2100 | UK: 0333-366-0154 | Israel: 079-579-5088WhatsApp feedback: 1-914-222-5513Reminder: This episode or description is not financial advice. Always do your own research.#DigitalDetox #PhoneAddiction #FocusAndSuccess #ProductivityTips #AttentionEconomy #MindfulLiving #DeepWork #SelfImprovement #KosherMoney #LivingLchaim #JewishPodcast #JewishFinance #MoneyMatters #FinancialFreedom #PersonalGrowth #SuccessHabits #TimeManagement #MentalClarity #WorkLifeBalance #KM #DiaryOfACEO #UnpluggedLife #DigitalMinimalism #RichardSimon #SmartphoneAddiction

Scoot talks to Nick Karl, Vice-President of Growth for Peoples Health, about saving money on Medicare.

Dollar General feels like a bargain hunter's dream, but are you actually saving money? In this episode, we dive into the psychology and business strategy behind discount shopping, breaking down where Dollar General helps your wallet…and where it might not.We'll explore:The marketing tactics that make everything feel like a dealWhy “small savings” can add up (or trick you into overspending)How Dollar General's pricing compares to competitorsThe psychology of value, convenience, and perceived savingsIf you've ever walked out of Dollar General with way more than you planned, this episode unpacks whether it's smart shopping, or just smart branding.

Dr. Jen Caudle talks through the myriad of ways to save money at the doctor's office for patients with or without health insurance. Also, Brian Baumgartner, Cooper Manning, and Kenny Mayne stop by 1A to discuss their new 'We Need a Fourth' golf podcast and how it came to be. Plus, Shonda Rhimes celebrates a writing milestone with the release of a 10th Anniversary Edition of her book "Year of Yes," which is set to be an extended version of her 2016 memoir and opens up about how saying yes changed her life. And, Psychotherapist Niro Feliciano shares simple strategies on how to have more stress-free festivities.  Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Brian Cheung discusses what websites, apps, and other tools you can use to make managing your finances feel less overwhelming. Also, Today beauty expert Sarah Eggenberger opens up about her journey with skin cancer and how important it is to get tested. Plus, NBA icon Allen Iverson joins us to chat about his new memoir, "Misunderstood." And, some of the best Amazon Prime Day deals for under $50. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Do you open 10 tabs and forget what you were doing? You're not alone. Our brains have been conditioned to crave distraction—thanks to tech, stress, and overstimulation. Focus isn't just about productivity—it's about presence, creativity, and living a life that feels like yours. In this episode, I explain how chronic stress and dopamine addiction are training your brain to self-interrupt, making it harder than ever to stay on task. Drawing on insights from researchers like Dr. Gloria Mark, I break down how habits like doomscrolling and multitasking are literally rewiring our prefrontal cortexes. But it's not all doom and distraction. I share powerful, research-based strategies to rebuild your focus muscle—from daily breathing hacks and body doubling to my personal “rule of three” method and compassionate productivity practices. You'll also hear how I use unstructured rest, deliberate boredom, and digital boundaries to reconnect with what matters most. If you've ever felt like your brain is broken, this episode will help you reconnect with the calm, focused version of you that still exists—just beneath the noise. We get into: Why focus is the hidden key to creating a meaningful, joyful life. How stress hijacks your brain and kills concentration. Science-backed focus hacks that actually work—no guilt, just relief. Daily habits to rewire your brain away from distraction and back to clarity. Why social media mimics slot machines—and how to break free. Check out the previous episodes of The Liz Moody Podcast discussed today: Top Attention Researcher: Our Attention Spans Are Down To 47 Seconds! Here's How To Fix It with Dr. Gloria Mark I've Tried Every Hack To Reduce Stress—These 6 Actually Work To Instantly Feel Better How To Work LESS AND Get MORE Done with Cal Newport Drastically Rethinking Time Management: Routines & Habits To Make You Happier AND More Productive with Kendra Adachi The Secret to Getting in Shape, Sleeping Better, Saving Money, And Being More Confident and Productive (Yes, Really!) with Dr. Katy Milkman  Ready to uplevel every part of your life? Order Liz's book 100 Ways to Change Your Life: The Science of Leveling Up Health, Happiness, Relationships & Success now!  Connect with Liz on Instagram @lizmoody or online at www.lizmoody.com. Subscribe to the substack by visiting https://lizmoody.substack.com/welcome. Buy our cute sweatshirts, conversation cards, and more at https://shop.lizmoody.com/. Use our discount codes from our  highly vetted and tested brand partners by visiting https://www.lizmoody.com/codes.  To join The Liz Moody Podcast Club Facebook group, go to www.facebook.com/groups/thelizmoodypodcast. This episode is brought to you completely free thanks to the following podcast sponsors: AG1: visit DrinkAG1.com/LizMoody and get your FREE year supply of Vitamin D and 5 free travel packs today. Evlo: head to EvloFitness.com and use code LIZMOODY for 6 weeks for free. The Liz Moody Podcast cover art by Zack. The Liz Moody Podcast music by Alex Ruimy. Formerly the Healthier Together Podcast.  This podcast and website represents the opinions of Liz Moody and her guests to the show. The content here should not be taken as medical advice. The content here is for information purposes only, and because each person is so unique, please consult your healthcare professional for any medical questions. The Liz Moody Podcast Episode 368. Learn more about your ad choices. Visit megaphone.fm/adchoices

Jackie Cummings Koski returns to discuss the fundamental principles of financial independence (FI) and early retirement. The conversation emphasizes the importance of understanding FI—financial independence lets individuals no longer depend on a paycheck, offering options and freedom in life. Jackie shares insights on creating habits, starting small with savings, and the invaluable impact of community on one's financial journey. Strategies such as evaluating expenses and adopting an action-focused mindset are crucial. The duo explores essential concepts like the 4% rule, the significance of compound interest, and how everyday expenses can affect one's FI number, leading to powerful benefits over time. This episode serves as both a refresher for seasoned FI enthusiasts and a primer for newcomers. Key Takeaways: Understanding FI enables individuals to regain control over their finances and lives. Saving money is about liberation, not deprivation; small changes can yield significant benefits over time. The power of community is invaluable in the FI journey; joining groups can provide motivation and insights. Evaluating and optimizing expenses can lead to increased savings and a lower FI target. The 4% rule helps determine how much one can safely withdraw from retirement savings. Timestamps: 00:00:00 - Podcast Intro 00:01:08 - Introduction of Jackie Cummings Koski 00:03:02 - Back to Basics of FI 00:04:31 - Defining Financial Independence 00:08:23 - Importance of Saving Money 00:12:07 - Building Habits 00:46:07 - Understanding Your FI Number 01:01:02 - Community and Support 01:09:24 - Conclusion Important Quotes: "FI means financial independence; RE means retiring early." (00:04:31) "Saving money liberates you, it's not deprivation." (00:08:23) "Empower yourself by changing your financial dynamic." (00:05:40) "In investing, doing less often yields more." (00:24:40) "Save $100/month to potentially lower your FI target by $30,000." (00:47:04) Actionable Takeaways: Track Your Expenses: Start examining where your money goes to identify areas for potential savings. (Timestamp: 00:41:19) Join a Community Group: Participate in a local ChooseFI group to gain support and motivation. (Timestamp: 01:01:02) Develop Saving Habits: Make a habit of saving even small amounts each month to establish a strong financial foundation. (Timestamp: 00:12:07) Discussion Questions: How can tracking expenses help in achieving financial independence? (Timestamp: 00:41:19) What strategies can the community provide for those just starting their FI journey? (Timestamp: 01:01:02) Related Resources: F.I.R.E for Dummies Book: Link (Timestamp: 00:02:43) Catching Up to FI Podcast: Link (Timestamp: 01:09:22)

Host of ‘George to the Rescue' George Oliphant breaks down what to know about the home maintenance and repairs to tackle before the weather gets cooler. Also, Josh Gad joins to discuss his new dark comedy noir film ‘Adulthood,' which follows two siblings after they uncover a long-buried corpse in their parents' basement. Plus, Marion Cotillard stops by to talk about joining a star-studded cast for season four of ‘The Morning Show.' And, chef Shaw-Nae Dixon shares a recipe for chili mac and cheese muffins with sweet potato s'mores.

Today, Clark explains the “Trump Account” for newborns - including how the account works and how best to manage one. Later - Get the lowdown on something we all need to protect ourselves from - cell phone sim swapping fraud. Trump Accounts: Segment 1 Ask Clark: Segment 2 Warning: Sim Swapping: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Should You Start a 'Trump Account' for Your Child? What Is Umbrella Insurance and Do You Need It? How To Improve Your Credit Score in 5 Key Areas Credit Score Experts: How To Take Your Score from ‘Good' To ‘Exceptional' Axios: How Scattered Spider hackers are wreaking havoc on corporate America SIM Card Swapping: The Dangerous Cell Phone Scam Clark Howard's Guide to Saving Money on Your Wedding Are Money Market Funds a Safe Place To Stash My Savings? Clark.com resources Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices