Podcasts about savings

Aaron Schumm, CEO and Founder of Vestwell, knows firsthand how broken America's savings system is. When he tried to set up a 401k for his previous 30-person company back in 2010, the process was so difficult, expensive, and confusing that he decided to build a better solution. Today, Vestwell serves 2 million savers with $50 billion in assets, has reduced 401k setup times from 40-70 hours down to just minutes, and runs 14 state-sponsored auto IRA programs including New York's Secure Choice.In this episode, Aaron explains why fintech has largely failed to move the needle on financial health, too many point solutions that put the onus back on individuals to figure out what to do and then implement it across multiple accounts. His solution? AI agents that will automatically route money from your paycheck to the optimal savings vehicle based on your income, location, tax rates, existing savings, and life circumstances. And he says we're less than a year away from making that a reality.In this podcast you will learn:What is broken with the current savings system in America.The problem at his previous business that was the a-ha moment for Vestwell.Their initial use case and how they got going.How their product works exactly.The three channels they work with.How they are working with New York State and other government programs.The conversations they are having with the Federal government around savings programs.The percentage of employees who typically sign up for an auto-enroll program.The scale that Vestwell is at today.What their technology stack looks like.How much easier it is to set up a workplace savings plan through Vestwell than traditional companies.The different revenue lines for Vestwell.How they are working with Amazon.Why we are not further along in helping Americans with their financial health.How autonomous AI agents are going to optimize our financial lives in the future.Connect with Fintech One-on-One: Tweet me @PeterRenton Connect with me on LinkedIn Find previous Fintech One-on-One episodes

Send us a textIn this episode, Tyler and Jimmy talk about the latest announcements happening in the Pickleball world. They mention the name Sofia Sewing who will be breaking into the PPA and MLP circuit in the next year! MLP 2026 season is getting closer and so they talk through the teams and what predictions they have for upcoming drafts! They end with a Q+A with questions from the fans, SO don't forget to send us your questions!  Let us know what we should cover on the pod in future episodes and who we should get on, thanks for following along!—————————Website: https://www.tylerloong.com/ Use Code "KOTC" for $100 Savings on C&D Pickleball Nets: https://bestpickleballnets.com/ Use Code "KOTC" for Big Savings on Vulcan Gear: https://vulcansportinggoods.com/pagesCode “KOTC” for insane discounts at: clubpickleballmastermind.comUse Code ‘KOTC' for a great discount online at: clubpickleballshop.comKOTC Merch - Use “KOTC” kitchpickleball.comNEW KOTC DISCORD https://discord.com/invite/kNR65mBemfNEW KOTC CAMEOhttps://www.cameo.com/morekotcInstagram: Tyler's IG - @tyler.loong  Jimmy's IG - @jimmymiller_pbKOTC IG - @morekingofthecourt  Facebook: / tyler.loong   --0:00 Introduction to Layne 1:58 Club Pickleball Mastermind5:45 Cameo6:00 All Access 18:11 Announcements in Pickleball World: Sofia Sewing 28:00 Singles Specialists in MLP 30:06 C&D Pickleball Nets 32:04 MLP Trades, News and more 58:24 Vulcan Pickleball 1:00:00 Stack Pickleball1:00:06 Q+ASupport the show

Quint and Allie talk about how to be a saver versus an investor. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

An exclusive sneak peek at the best Super Bowl ads to expect this Sunday during NBC's coverage of football's biggest night. Plus, NBC News Meteorologist Angie Lassman goes behind-the-wheel and learns from experts at winter driving school in Colorado on how to drive the correct way during extreme winter weather conditions. Also, TODAY Lifestyle and Commerce Contributor Jill Martin shares some unbeatable savings on tech products. And, NBC News chief consumer investigative correspondent Vicky Nguyen gives tips on how to save on your Olympic and Super Bowl Parties.  Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Curious? Watch Our Money Makeover Bootcamp!Ready? Buy Our Simplified Budget System Now!Coach Michelle is back, besties!

NBC News Senior Business Correspondent Christine Romans shares some Valentine's Day savings and ways to spoil loved ones without breaking the bank. Plus, NBC News Chief Consumer Investigative Correspondent Vicky Nguyen gives an inside look into a new education company teaching kids with artificial intelligence instead of teachers. Also, Dr. John Metzl breaks down ways to find the motivation to exercise and make it a consistent part of your life. And, chef and recipe developer Skyler Bouchard prepares two easy recipes to get game-day ready. 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 textIn this episode, Tyler and Jimmy are joined by the one and only Layne Sleeth, fellow Black Bear and Pro Player on the Pickleball tour. She talks about her extremely sporty background, and what her experience has been leading up to her career in pickleball. She goes through what her year looks like and her partners for the remaining of 2026. They end with a Q+A asking Layne a few questions, don't forget to send us your questions!  Let us know what we should cover on the pod in future episodes and who we should get on, thanks for following along!—————————Website: https://www.tylerloong.com/ Use Code "KOTC" for $100 Savings on C&D Pickleball Nets: https://bestpickleballnets.com/ Use Code "KOTC" for Big Savings on Vulcan Gear: https://vulcansportinggoods.com/pagesCode “KOTC” for insane discounts at: clubpickleballmastermind.comUse Code ‘KOTC' for a great discount online at: clubpickleballshop.comKOTC Merch - Use “KOTC” kitchpickleball.comNEW KOTC DISCORD https://discord.com/invite/kNR65mBemfNEW KOTC CAMEOhttps://www.cameo.com/morekotcInstagram: Tyler's IG - @tyler.loong  Jimmy's IG - @jimmymiller_pbKOTC IG - @morekingofthecourt  Layne's IG - @layne_sleether01Facebook: / tyler.loong   --0:00 Introduction to Layne 8:10 Training Regime and Partners 9:00 Her roots: Canada 12:40 Surgery, Recover and the Road back 16:00 Partners for upcoming 19:11 Laynes take on the Tylers recent situation 21:32 BREAKING NEWS: Vulcan and Stack athlete 23:30 Best moments of the partnership between Layne and Tyler 28:00 Questions for LayneSupport the show

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3440: Philip Taylor explores smart strategies for building long-term savings beyond retirement, emphasizing the importance of balancing liquidity, risk, and returns. Whether you're dreaming of early retirement, funding a future business, or leaving a generous gift to loved ones, he offers clear guidance on where to park your money for optimal long-term growth without locking it away like retirement funds. Read along with the original article(s) here: https://ptmoney.com/best-long-term-savings-building-nest-egg/ Quotes to ponder: "I think it's wise to have specific savings goals for all your money." "Saving just for the sake of saving is a sign you might need to stop down and think about what you want for your future." "Don't throw asset allocation and diversity out the window just because of low returns in the cash and savings arena." Episode references: Vanguard: https://www.vanguard.com Betterment: https://www.betterment.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3440: Philip Taylor explores smart strategies for building long-term savings beyond retirement, emphasizing the importance of balancing liquidity, risk, and returns. Whether you're dreaming of early retirement, funding a future business, or leaving a generous gift to loved ones, he offers clear guidance on where to park your money for optimal long-term growth without locking it away like retirement funds. Read along with the original article(s) here: https://ptmoney.com/best-long-term-savings-building-nest-egg/ Quotes to ponder: "I think it's wise to have specific savings goals for all your money." "Saving just for the sake of saving is a sign you might need to stop down and think about what you want for your future." "Don't throw asset allocation and diversity out the window just because of low returns in the cash and savings arena." Episode references: Vanguard: https://www.vanguard.com Betterment: https://www.betterment.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Employers and health plans continue to face rising healthcare costs driven by chronic conditions, fragmented care delivery, and delayed access to services. In this episode of Healthcare Happy Hour, host David Saltzman speaks with Jon O'Toole, chief revenue officer of Recuro Health, about how integrated virtual care models—connecting primary care, urgent care, and behavioral health—are emerging as a response to these pressures. Drawing from industry data, case study insights, and market trends, the conversation explores how coordinated virtual care delivery can improve care quality while generating measurable cost savings across populations.

This is the noon All Local for Thursday, January 29, 2026

Too many retirees make one pension decision they can't undo and it reshapes their entire financial future. We break down the real trade-offs hiding behind payout options, survivor benefits, and the lure of a lump sum, then show you how to weave your pension together with Social Security and investments to build a calm, resilient retirement plan.We start by reframing the pension as a supercharged bond; steady, predictable income that can cover the must-haves and free your portfolio to fund the fun stuff. You'll learn a simple two-column method to map fixed expenses against guaranteed income, why 80 to 100 percent coverage is a powerful target, and how that floor helps you sleep at night when markets get rough. From there, we unpack the key payout choices: single life for maximum income, joint-and-survivor to protect both lives, and variations with different survivor percentages. We explain how to stress test each option against age, health, tax implications, and timing your Social Security benefits.A candid case study shows the cost of chasing the biggest monthly number and leaving a spouse with too little income. We also walk through when a lump sum can work; low fixed expenses, solid guaranteed coverage, strong legacy goals, and the discipline to manage market risk after rolling to an IRA. To keep you out of trouble, we highlight common mistakes like ignoring inflation, misreading the pension's bond-like role, and making decisions in silos instead of as a system. By the end, you'll have a clear framework: cover essentials with guarantees, fund goals with growth, and choose a payout that protects the person you love most.If this helped you think more clearly about your pension, subscribe, share it with someone who needs it, and leave a quick review. Your support helps others find the show and make smarter, safer retirement choices.

Mercer Financial Group is a full-service financial services firm committed to helping individuals, families, and business owners build confident, sustainable financial futures. Based in the Wichita Metro Area and proudly serving clients nationwide, we specialize in personalized retirement planning and long-term investment strategies designed to balance growth with safety.With a comprehensive suite of services—including retirement plan design, portfolio management, and access to a wide range of investment options such as stocks, bonds, and other diversified assets—Mercer Financial Group provides the guidance clients need to navigate every stage of their financial journey. Our approach centers on understanding each client's goals, risk tolerance, and vision for retirement, allowing us to create tailored strategies that support both wealth accumulation and preservation.At Mercer Financial Group, they believe retirement should be lived with confidence. Their mission is to empower clients with clarity, thoughtful planning, and trusted expertise so they can enjoy the financial security they've worked hard to achieve.Learn More: http://www.mercerfg.com/Copyright 2025 – Wealth Watch Advisors (WWA) is an SEC registered investment advisory firm and only transacts business in states where it is licensed to do so or exempt from registration. Please note that registration with the SEC does not denote a particular level of skill of the advisor or imply an endorsement by the SEC. All information provided is intended to be general in nature and does not represent personal financial advice. This site is not a solicitation or an offer to invest or purchase any specific product or service. All investments involve risk of loss and are not FDIC insured or guaranteed by any governmental agency or organization. You can view and download our Privacy Policy, Disclosures, ADV Part 2A, and ADV Part 3 CRS. Shawn Mercer is an Investment Advisor Representative of Wealth Watch Advisors and Mercer Financial Group is not affiliated with Wealth Watch Advisors.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-shawn-mercer-founder-of-mercer-financial-group-discussing-longevity-risk-outliving-your-savings

Mercer Financial Group is a full-service financial services firm committed to helping individuals, families, and business owners build confident, sustainable financial futures. Based in the Wichita Metro Area and proudly serving clients nationwide, we specialize in personalized retirement planning and long-term investment strategies designed to balance growth with safety.With a comprehensive suite of services—including retirement plan design, portfolio management, and access to a wide range of investment options such as stocks, bonds, and other diversified assets—Mercer Financial Group provides the guidance clients need to navigate every stage of their financial journey. Our approach centers on understanding each client's goals, risk tolerance, and vision for retirement, allowing us to create tailored strategies that support both wealth accumulation and preservation.At Mercer Financial Group, they believe retirement should be lived with confidence. Their mission is to empower clients with clarity, thoughtful planning, and trusted expertise so they can enjoy the financial security they've worked hard to achieve.Learn More: http://www.mercerfg.com/Copyright 2025 – Wealth Watch Advisors (WWA) is an SEC registered investment advisory firm and only transacts business in states where it is licensed to do so or exempt from registration. Please note that registration with the SEC does not denote a particular level of skill of the advisor or imply an endorsement by the SEC. All information provided is intended to be general in nature and does not represent personal financial advice. This site is not a solicitation or an offer to invest or purchase any specific product or service. All investments involve risk of loss and are not FDIC insured or guaranteed by any governmental agency or organization. You can view and download our Privacy Policy, Disclosures, ADV Part 2A, and ADV Part 3 CRS. Shawn Mercer is an Investment Advisor Representative of Wealth Watch Advisors and Mercer Financial Group is not affiliated with Wealth Watch Advisors.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-shawn-mercer-founder-of-mercer-financial-group-discussing-longevity-risk-outliving-your-savings

Today On With Mario Lopez – It's Mario vs Courtney for a fresh round of Name That Tune, Meghan Trainor welcomes baby #3, how Ozempic is saving money and Mario gets a race horse named after him!See omnystudio.com/listener for privacy information.

In this episode of The New Money Habits Podcast, Coach Nino Villa responds to a listener question many people wrestle with:Should you focus on paying off debt first — or saving money? Rather than offering a one-size-fits-all rule, Nino explains why financial principles stay consistent while execution should flex based on real life. He walks through a phased approach to debt elimination, helping listeners understand how to prioritize different types of debt while still maintaining a savings buffer for peace of mind. This episode covers: How to think clearly about debt vs. savings Why execution matters more than rigid rules A phased strategy for tackling interest-bearing debt, non-interest debt, and charge-offs The role of a “peace of mind” fund Practical examples to help you apply these ideas to your own situation If you've felt stuck between wanting to make progress on debt and needing financial stability, this episode offers a thoughtful framework to help you move forward with confidence. Join the New Money Habits Community Join our free community and connect with others building healthier money habits Become a member starting at $5/month Start your 7-day free trial today Helpful Resources Mentioned in This Episode Watch on YouTube: Full video version of this episode Payday Power Planner (FREE): Streamline your budgeting processhttps://www.newmoneyhabits.com/budgeteers/helpful-tools Food Number Calculator (FREE): Simplify food budgeting and planninghttps://www.newmoneyhabits.com/budgeteers/helpful-tools Submit Your Questions: Email us at podcast@newmoneyhabits.com Join Our Free Facebook Group:https://www.facebook.com/groups/newmoneyhabits Schedule a Free Call with Coach Nino:https://www.newmoneyhabits.com/budgeteers/contact Online Course: How to Create a Better Budget: Your Foundation to Financial Freedomhttps://www.newmoneyhabits.com/bootcamp Music CreditsThis episode features music by Summer School. Connect With UsFollow @newmoneyhabits on social media for more insights, tools, and updates.

Send us a textIn this episode, Tyler and Jimmy talk through the latest PPA tournament in Minnesota. They touch on all of the results and their opinions based on the drawers. They touch on drama that happened and much more. They end with a Q+A from the fans, don't forget to send us your questions!  Let us know what we should cover on the pod in future episodes and who we should get on, thanks for following along!—————————Website: https://www.tylerloong.com/Code “KOTC” for insane discounts at: http://clubpickleballmastermind.comUse Code ‘KOTC' for a great discount online at: http://clubpickleballshop.comUse Code "KOTC" for $100 Savings on C&D Pickleball Nets: https://bestpickleballnets.com/  Use Code "KOTC" for Big Savings on Vulcan Gear: https://vulcansportinggoods.com/pagesKOTC Merch - Use “KOTC” http://kitchpickleball.comNEW KOTC DISCORD https://discord.com/invite/kNR65mBemfNEW KOTC CAMEOhttps://www.cameo.com/morekotcInstagram: Tyler's IG - @tyler.loong  Jimmy's IG - @jimmymiller_pbKOTC IG - @morekingofthecourt  Facebook: / tyler.loong   (https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqa1ZwN1dfYklpTnFaTUtpLWxRUFZYb0pNcTJqZ3xBQ3Jtc0tuY0gwNDd2VTJtV0l0cmNMUkFYOFBEYUpEZm1hVWQtMjN5Yy1CTnRZcXBoc21KZm9BbWY4NHVvUVp4NkdqOEpQanZZOHFQSEUzbG9TeUpQREZqaXRZeGRZaDBiUFY0UVJtNU9WS3c2SzFVdjFTS0dEUQ&q=https%3A%2F%2Ffacebook.com%2Ftyler.loong&v=pzZ8VjalXN0) --0:00 Introduction 1:36 Club Pickleball Mastermind4:56 Club Pickleball Shop 5:22 Kitch Pickleball Apparel 6:17 PPA/MLP Discount Codes 6:34 CAMEO 6:43 All Access Content 7:18 PPA Minnesota Recap (Mixed, Men's Singles) 32:05 C&D Pickleball Nets 34:33 PPA Minnesota Recap Ctd. (Women's Singles, Women's Doubles, Men's Doubles) 1:10:06 Typti 1:16:56 Vulcan Picleball 1:19:27 Q&ASupport the show

#932: Join us as we sit down with Paris Hilton –  global icon, entrepreneur, philanthropist, recording artist, DJ, & more. As CEO of 11:11 Media, Paris has harnessed her self-made spotlight to architect a thriving entertainment & consumer products empire. In this episode, Paris dives into nostalgic 2000s culture, discusses how the media landscape has evolved, her pioneering role in influencer culture, opens up about her advocacy work against emotional growth schools, discusses her efforts to legislate against AI-generated explicit content, shares insights on managing ADHD, & touches on her latest documentary, Infinite Icon: A Visual Memoir. To Watch the Show click HERE For Detailed Show Notes visit TSCPODCAST.COM To connect with Paris Hilton click HERE To connect with Lauryn Bosstick click HERE To connect with Michael Bosstick click HERE Read More on The Skinny Confidential HERE Head to our ShopMy page HERE and LTK page HERE to find all of the products mentioned in each episode. Get your burning questions featured on the show! Leave the Him & Her Show a voicemail at +1 (512) 537-7194. To learn more about Paris Hilton visit https://parishilton.com. Infinite Icon: Visual Memoir, coming to a theater near you on January 30th.  This episode is sponsored by The Skinny Confidential Your skincare routine, reimagined. Shop The Skinny Confidential Face Towels today at https://shopskinnyconfidential.com/products/face-towels. This episode is sponsored by Branch Basics  If you want to try the Premium Starter Kit today and get 15% off, head to http://BranchBasics.com and use my code SKINNY15 for 15% off your first order.  This episode is sponsored by Experian Get started with the Experian App now! Results will vary. Not all bills or subscriptions eligible. Savings not guaranteed. Paid membership with connected payment account required. See http://experian.com for details. This episode is sponsored by The RealReal Get $25 off your first purchase when you go to http://TheRealReal.com/skinny. This episode is sponsored by Purely Elizabeth Visit http://purelyelizabeth.com and use code SKINNY at checkout for 20% off to taste the obsession yourself. This episode is sponsored by Puori Use code SKINNY at http://puori.com/SKINNY to get 32% off Puori Creatine+ when you start a subscription. This episode is sponsored by Maui Nui Head over to http://mauinuivenison.com/SKINNY. Produced by Dear Media  

Stop watching inflation melt your hard-earned saving efforts in a stagnant bank account. In this episode, we provide deep economic insights into why traditional savings are a guaranteed loss of purchasing power and how you can pivot toward true wealth building. We explore alternative strategies like the Infinite Banking Concept, demonstrating how capitalizing your own private reserve through dividend-paying whole life insurance creates a "financial cooler" for your assets. By mastering these financial concepts, you can achieve consistent financial growth and take back control of your legacy from traditional institutions.00:00 The Ice Analogy: Saving Money03:07 The Reality of Bank Savings and Inflation04:11 Understanding Traditional Savings vs. Capitalizing08:05 The Impact of Inflation on Wealth11:15 The Role of Money Supply in Inflation16:21 Navigating Financial Headwinds with IBC18:32 The Benefits of Dividend-Paying Whole Life Insurance25:06 Challenging Conventional Financial Wisdom31:49 The Power of Early CapitalizationAbout your hosts: https://www.thewealthwarehousepodcast.com/David Befort and Paul Fugere are the hosts of the Wealth Warehouse Podcast. David is the Founder/CEO of Max Performance Financial. He founded the company with the mission of educating people on the truths about money. David's mission is to show you how you can control your own money, earn guarantees, grow it tax-free, and maintain penalty-free access to it to leverage for opportunities that will provide passive income for the rest of your life.Paul, on the other hand, is an Active Duty U.S. Army officer who graduated from Norwich University in 2002 with a B.A. in History and again in 2012 with a MA in Diplomacy and International Terrorism. Paul met his wife Tammy at Norwich. As a family, they enjoy boating, traveling, sports, hunting, automobiles, and are self-proclaimed food people.Catch up with David and Paul, visit the links below!https://infinitebanking.org/agents/Fugere494 https://infinitebanking.org/agents/Befort399LinkedIn:https://www.linkedin.com/in/david-a-befort-jr-09663972/ https://www.linkedin.com/in/paul-fugere-762021b0/Email us!davidandpaul@theibcguys.com

Curious? Watch Our Money Makeover Bootcamp!Ready? Buy Our Simplified Budget System Now!February's knocking at the door (yes, the month with TWO R's — we didn't forget

Most people hear “solar” and picture rooftop panels and a major installation. This episode covers a very different option: portable, plug-in solar that can work for renters and homeowners, without putting panels on your roof. Host Laurie McCarty is joined by Cora Stryker, co-founder of Bright Saver, to break down plug-in solar in plain English, including what it is, how it works, and why it is an option more people should know about. In this episode, listeners will learn:What plug-in solar is and how it differs from traditional rooftop solarWhether portable solar is safe and what proper setup looks likeWhat it can realistically power and what expectations to haveWho plug-in solar is best for, including renters, condo owners, and shaded propertiesTypical cost ranges and common misconceptions about savingsWhere panels can be placed, such as patios, balconies, or backyardsCalifornia regulations, interconnection concerns, and adoption challengesWhat the future of portable solar could look like over the next several years________________________________Keywords: portable solar, plug-in solar, solar for renters, solar without rooftop panels, California solar options, portable solar panels, home energy savings, electric bill reduction, solar alternatives, renewable energy for renters, Kern County real estate podcast, solar and real estate

In this episode, Aqura talks with her client Janie about how she went from avoiding her money and relying on credit cards between paychecks to planning each pay period with clarity and confidence. If you're a working mom who wants to stop adding to debt, follow through on saving, and make spending decisions without guilt or panic, this episode is for you.To learn more about Self Made Millionaire click here. You will find all the details about Self Made Millionaire, who it's for, what you will achieve and how to get started today. When you join by January 25, you get a private 1:1 call with Aqura where you will discuss your money situation in detail and walk away with one clear action that will help you relieve what's taking up the most headspace right now. Follow Aqura on Instagram ⁠@aquranicholson⁠.

If you're newly retired or will join the ranks soon, it's time to think about how you plan to spend your nest egg. Morningstar researchers are helping new retirees figure out where to begin. The recently published State of Retirement Income report concluded that the starting safe withdrawal rate for people beginning their retirement in 2026 is 3.9%. That number might appear low. However, the team has analyzed several strategies to lift it to almost 6%. Morningstar portfolio strategist Amy Arnott has investigated the data and joined the podcast to explain flexible withdrawal strategies.How Much Can You Spend in Retirement? Here's Your Starting Safe Withdrawal Rate for 2026  https://apple.news/ALEEtAf1FTAm7WUFGvYvXVQOn this episode:00:00:00 Welcome00:01:26 Understanding the 3.9% Safe Withdrawal Rate00:02:33 How Flexible Strategies Lift Withdrawal Rates Up to 5.7%00:03:48 Flexible Approaches for Retirees Seeking Predictable Paycheck-like Income00:05:40 Inside the Vanguard Dynamic Spending Method00:07:15 Highest Lifetime Spending & Highest Starting Safe Withdrawal Rate00:09:20 Leaving a Legacy and Strengthening Your Portfolio00:14:30 4 Financial To-Dos to Kick Off the New Year Watch more from Morningstar:Beyond AI: Are Quantum Stocks the Next Big Thing in Tech Investing?How to Generate Steady Income in 2026All in on Magnificent 7? Where You Should Invest Next Follow Morningstar on social:Facebook https://www.facebook.com/MorningstarInc/X https://x.com/MorningstarIncInstagram https://www.instagram.com/morningstarinc/?hl=enLinkedIn https://www.linkedin.com/company/morningstar/posts/?feedView=all  Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3431: Christine Luken offers a balanced approach to savings by recommending at least two accounts, one for emergencies and another for planned purchases, with a third for taxes if you're self-employed. Her system helps you stay organized, avoid debt, and plan ahead without overcomplicating your finances. Read along with the original article(s) here: https://www.christineluken.com/how-many-savings-accounts/ Quotes to ponder: "I advise my clients to have at least six months of their household expenses in their emergency fund." "Having a healthy emergency fund ensures that a stretch of bad months in the business won't ruin your personal financial health." "You don't want to owe the IRS back taxes. They have the leverage to make your life miserable." Episode references: Mint: https://mint.intuit.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3431: Christine Luken offers a balanced approach to savings by recommending at least two accounts, one for emergencies and another for planned purchases, with a third for taxes if you're self-employed. Her system helps you stay organized, avoid debt, and plan ahead without overcomplicating your finances. Read along with the original article(s) here: https://www.christineluken.com/how-many-savings-accounts/ Quotes to ponder: "I advise my clients to have at least six months of their household expenses in their emergency fund." "Having a healthy emergency fund ensures that a stretch of bad months in the business won't ruin your personal financial health." "You don't want to owe the IRS back taxes. They have the leverage to make your life miserable." Episode references: Mint: https://mint.intuit.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Thorsten Guthke and Irene Rey review the European Commission's SIA initiative and its potential to channel retail savings into capital markets under the Savings and Investment Union.

Tune in as the team discusses:Why savings accounts lose real value during high inflationThe hidden cost of “playing it safe” with cashSimple math showing how inflation erodes purchasing powerWhy land benefits from the same forces that cause inflationScarcity, population growth, and why land can't be printedHow economic uncertainty creates motivated land sellersThe advantage of owning assets without tenants or repairsUsing owner financing to build inflation-resistant passive incomeWhy land investing scales without stress or complexityTIP OF THE WEEKMark: Inflation punishes idle cash—put your money into real assets like land that benefit from scarcity.Scott: Focus on buying land at deep discounts so inflation works for you, not against you.Mike: Treat land like a long-term store of value that grows quietly while others panic about markets.WANT MORE?Enjoyed this episode? Dive into more episodes of AOPI to discover how to build real passive income through land investing.UNLOCK MORE FREE RESOURCES:Get instant access to my free training, a free copy of my Bestseller Dirt Rich Book, and exclusive bonuses to accelerate your land investing journey—it's all here: https://thelandgeek.ac-page.com/Podcast-Linktree."Isn't it time to create passive income so you can work where you want when you want, and with whomever you want?"

Today we discuss one of the most popular and influential economic books of the last few decades - The Winner's Curse. Originally published in 1994, a new version has just been released and we are joined by co-author Alex Imas who wrote the new edition alongside Nobel Prize winner Richard Thaler. When are we likely to spend a windfall and when are we likely to save it? When is it most dangerous to bid for business against competitors? And are ‘arbitrage' opportunities in markets really a free lunch?-----50 YEARS OF TREND FOLLOWING BOOK AND BEHIND-THE-SCENES VIDEO FOR ACCREDITED INVESTORS - CLICK HERE-----Follow Niels on Twitter, LinkedIn, YouTube or via the TTU website.IT's TRUE ? – most CIO's read 50+ books each year – get your FREE copy of the Ultimate Guide to the Best Investment Books ever written here.And you can get a free copy of my latest book “Ten Reasons to Add Trend Following to Your Portfolio” here.Learn more about the Trend Barometer here.Send your questions to info@toptradersunplugged.comAnd please share this episode with a like-minded friend and leave an honest Rating & Review on iTunes or Spotify so more people can discover the podcast.Follow Kevin on SubStack & read his Book.Follow Alex on X.Episode TimeStamps: 00:00 - Opening remarks and framing the law of one price01:42 - Introducing the Ideas Lab series and Alex Imas03:44 - From pre med to behavioral economics08:15 - Mental accounting and how people really treat money10:45 - Housing wealth, illiquidity, and self control15:39 - Savings behavior, capital gains, and inequality17:11 - Attention, salience, and why nudges work or fail22:07 - Nudges versus incentives and policy confusion25:18 - The winner's curse and common value auctions30:01 - Auctions, IPOs, and competitive overbidding33:44 - The law of one price and market mispricing36:50...

Send us a textIn this episode, Tyler and Jimmy talk through a week in the pickleball world! They talk through a Masters recap and how the tournament turned out, they go through the latest news and updates especially from MLP announcements and then talk through PPA Minnesota happening this week. They end with a Q+A from the fans, don't forget to send us your questions!  Let us know what we should cover on the pod in future episodes and who we should get on, thanks for following along!Website: https://www.tylerloong.com/ KOTC All Accesshttps://www.youtube.com/channel/UCDiH-sjthLCovD8i79-AkWg/joinCode “KOTC” for insane discounts at: https://www.clubpickleballmastermind.com/kotcUse Code ‘KOTC' for a great discount online at: clubpickleballshop.comUse Code "KOTC" for $100 Savings on C&D Pickleball Nets: https://bestpickleballnets.com/ Use Code "KOTC" for Big Savings on Vulcan Gear: https://vulcansportinggoods.com/pagesKOTC Merch - Use “KOTC” kitchpickleball.comNEW KOTC DISCORD https://discord.com/invite/kNR65mBemfNEW KOTC CAMEOhttps://www.cameo.com/morekotcInstagram: Tyler's IG - @tyler.loong  Jimmy's IG - @jimmymiller_pbKOTC IG - @morekingofthecourt  Facebook: / tyler.loong   0:00 Introduction 1:44 Club Pickleball Mastermind4:16 Club Pickleball Shop 4:43 Kitch Apparel 5:38 All Access 6:10 Masters Recap 23:09 C&D Pickleball Nets 24:47 Masters Recap Ctd. 48:52 MLP Changes 48:06 PPA Minnesota 54:59 PPA Junior League Story 57:54 Quang Đưong latest news 1:07:54 Vulcan and Stack Athletics 1:09:34 Q+ASupport the show

What happens when you have the ‘perfect’ corporate job at a top-tier firm with a clear path to partnership, but deep down, you feel a pull towards something else? For Alex Marks, the founder of New York’s cult-favourite ‘Sushi Counter’, that pull wasn’t just a distraction - it was the catalyst for trading a high-flying legal career for a world of total uncertainty. Before she was serving thousands of rolls a day, Alex was a successful M&A lawyer at the top-tier firm Herbert Smith Freehills. She loved the late nights, the adrenaline, and the "in the trenches" camaraderie. But a dream transfer to New York became the catalyst for her pivot when she faced an immediate culture clash. Realising the US corporate world was an "individual sport" she didn't want to play, Alex was faced with a choice: Stay in a job that wasn't a fit, or risk it all. She chose risk. Pouring her entire $100,000 USD life savings into an idea, she quit her job and, a week later, signed a lease for a tiny shop to sell the Australian-style sushi she couldn't find anywhere in the city. In this episode of Pivot Club, Sarah Davidson speaks with Alex about this massive industry leap. They unpack the "messy middle" of her entire journey: From the "primitive" Excel model that convinced her to take the leap, to the humbling reality of hand-filling 50,000 soy sauce fish with a syringe in her living room. Alex shares the unfiltered story of how she navigated intense online backlash just one week after opening and how she scaled from a team of one (plus a supportive boyfriend) to a staff of 30. Join us for a raw and practical lesson in naive optimism, a look into the grit required to build a business from the ground up and a powerful reminder that sometimes, the fear of regret is far scarier than the fear of failure. THE END BITS: Want more from Sarah Davidson? Check out her podcast Seize The Yay. Discover more Mamamia podcasts here. Feedback: podcast@mamamia.com.au Share your story, feedback, or dilemma! Send us a voice message, and one of our Podcast Producers will get back to you ASAP. Rate or review us on Apple by clicking on the three dots in the top right-hand corner, click Go To Show then scroll down to the bottom of the page, click on the stars at the bottom and write a review. CREDITS: Guest: Alex Marks Host: Sarah Davidson Executive Producer: Courtney Ammenhauser Senior Producer: Sally Best Audio Producer: Thom Lion This show was brought to you in partnership with Charles Sturt University. Australia's largest and most experienced online uni. Take the next step. Search Charles Sturt University online. Complete our short survey about education for for a chance to win a $1,000 gift voucher in our quarterly draw! https://survey.alchemer.com/s3/8467038/Ch Mamamia acknowledges the Traditional Owners of the Land we have recorded this podcast on, the Gadigal people of the Eora Nation. We pay our respects to their Elders past and present, and extend that respect to all Aboriginal and Torres Strait Islander cultures. Become a Mamamia subscriber: https://www.mamamia.com.au/subscribeSee omnystudio.com/listener for privacy information.

Eric, Stacey, and Janet sit down to share some timely and fun topics, starting with Valentine's Day gift ideas to help you find something special for everyone on your list. They also talk about Fishing for Ducks tickets. Plus, the trio highlights ways to save with BBay Health & Wellness deals that help you feel good while keeping more money in your pocket.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In the Williams Broadcasting Studio join Jeff Mannix and John Williams for this weeks Boston Bruins Hockey update!!

In most companies, budget season is a predictable exercise in "incrementalism," taking last year's numbers and adding a 5% bump. But what happens when leadership drops a bomb and says, "This year, we start from zero"?In this episode of Corporate Finance Explained on FinPod, we explore Zero-Based Budgeting (ZBB), a high-stakes financial framework in which every dollar must earn its right to exist. We unpack the mechanics of ZBB, the "Save to Grow" mindset, and the cautionary tales of companies that saved themselves into obsolescence.ZBB vs. Traditional Budgeting: The Logic FlipThe fundamental difference between ZBB and the status quo is a shift in perspective:Traditional Budgeting: Asks, "How much more or less do we need than last year?" It is comfortable, based on precedent, and often hides "historical entitlement."Zero-Based Budgeting: Asks, "If we were building this function from scratch today, what would we actually fund?" It treats every expense as discretionary and requires a strategic justification for every line item.The Mechanics: Decision Packages and Tiered FundingThe core engine of a successful ZBB program is the Decision Package. Rather than funding a department, leadership funds specific activities using a three-tiered approach:Minimum Level: The "keep the lights on" spend. The bare minimum required for operations and regulatory compliance. Current Level: Business-as-usual spending. Enhanced Level: Discretionary funding for innovation, R&D, and new customer acquisition.This framework allows leadership to make strategic trade-offs. For example, funding a "minimum" level for administration to prioritize "enhanced" funding for revenue-driving marketing.Case Studies: The Scalpel vs. The AxeKraft Heinz (The Warning): Following a 2015 merger, the company applied a "ruthless" ZBB model. While margins shot up instantly, they cut too deeply into R&D and brand-building. The result was massive brand erosion and billions in write-downs. Unilever (The Blueprint): In response to market pressure, Unilever adopted a "Save to Grow" ZBB model. They targeted specific SG&A categories but "ring-fenced" strategic areas like innovation. Savings were immediately reinvested in the business, proving that ZBB can be a tool for growth, not just austerity.The Role of FP&A: From Scorekeeper to ArchitectWithout a strong Financial Planning & Analysis (FP&A) team, ZBB is just a spreadsheet exercise. In a ZBB environment, FP&A professionals must:Define Cost Drivers: Moving away from "last year's bill" to metrics like transaction volume or headcount.Assign Ownership: Ensuring the person who owns the activity is the one defending the spend.Differentiate Costs: Protecting "Change the Business" costs (future investments) from being swallowed by "Run the Business" costs (daily operations).

See omnystudio.com/listener for privacy information.

Chrystal Hammer joins the show to help save YOU money for this IU National Championship Game!See omnystudio.com/listener for privacy information.

Andrew and Ben discuss where to place your high-yield savings and "The Great Healthcare Plan."Join our live YouTube stream Monday through Friday at 8:30 AM EST:http://www.youtube.com/@TheMorningMarketBriefingPlease see disclosures:https://www.narwhal.com/disclosure

Send us a textIn this video, Jimmy and Tyler sit down with Devan Egan who is the founder of Club Pickleball Mastermind and they discuss why Club Pickleball Mastermind has been so successful. They also discuss some of the pitfalls new clubs face and what people can expect when looking to start their own club. Website: https://www.tylerloong.com/ Code “KOTC” for insane discounts at: https://www.clubpickleballmastermind.com/kotcKOTC All Accesshttps://www.youtube.com/channel/UCDiH-sjthLCovD8i79-AkWg/joinUse Code "KOTC" for $100 Savings on C&D Pickleball Nets: https://bestpickleballnets.com/ Use Code "KOTC" for Big Savings on Vulcan Gear: https://vulcansportinggoods.com/pagesUse Code ‘KOTC' for a great discount online at: clubpickleballshop.comKOTC Merch - Use “KOTC” kitchpickleball.comNEW KOTC DISCORD https://discord.com/invite/kNR65mBemfNEW KOTC CAMEOhttps://www.cameo.com/morekotcInstagram: Tyler's IG - @tyler.loong  Jimmy's IG - @jimmymiller_pbKOTC IG - @morekingofthecourt0:00 Introduction 3:53 What Club Pickleball Mastermind is all about 7:07 Anecdote 9:34 Who are we for, What can you expect? 12:00 Mini Mastermind with Jimmy and Tyler 38:40 What is unique to Mastermind 39:00 Follow @clubpickleballusaSupport the show

#927: Join us as we sit down with Haley Sacks – American entrepreneur, financial educator, & one of the original financial influencers, widely known as "Mrs. Dow Jones." As the Founder & CEO of Finance Is Cool, Haley is redefining modern money conversations & breaks down the financial fundamentals that actually move the needle — from estate planning, building a real emergency fund, & paying off high-interest debt, to what your money should truly be prioritizing. In this episode, Haley gets candid about mastering negotiation skills, leveraging AI to work smarter with your finances, cultivating a healthy money mindset through intentional "money dates," & having the real conversation around whether you should get a prenup. Just because you're not rich yet, doesn't mean you can't be!   To Watch the Show click HERE   For Detailed Show Notes visit TSCPODCAST.COM   To connect with Haley Sacks "Mrs. Dow Jones" click HERE   To connect with Lauryn Bosstick click HERE   To connect with Michael Bosstick click HERE   Read More on The Skinny Confidential HERE   Head to our ShopMy page HERE and LTK page HERE to find all of the products mentioned in each episode.   Get your burning questions featured on the show! Leave the Him & Her Show a voicemail at +1 (512) 537-7194.   This episode is sponsored by Betterhelp BetterHelp makes it easy to get matched online with a qualified therapist. Sign up and get 10% off at http://BetterHelp.com/skinny.   This episode is sponsored by Nutrafol For a limited time, Nutrafol is offering our listeners $10 off your first month's subscription and free shipping when you go to http://Nutrafol.com and enter the promo code SKINNYHAIR   This episode is sponsored by Boll & Branch Get 15% off your first order plus free shipping at http://BollAndBranch.com/skinny with code SKINNY.    This episode is sponsored by Experian Get started with the Experian App now! Results will vary. Not all bills or subscriptions eligible. Savings not guaranteed. Paid membership with connected payment account required. See http://experian.com for details.   This episode is sponsored by Vurori Get 20% off your first order at http://vuori.com/skinny.   This episode is sponsored by Taylor Farms To learn more visit https://taylorfarms.com.    This episode is sponsored by Primal Kitchen  It's easier than ever to find Primal Kitchen Pure Avocado Oil because it's now available at Walmart. You can find Primal Kitchen in Walmart stores or online at Walmart.com and http://PrimalKitchen.com. Produced by Dear Media

According to YouGov, one of the top resolutions for 2026 is saving more money. While Jesse has issues with the concept of "saving" money as he has discussed in previous podcasts, the intention is still clear -- people want to get to a more stable financial position, which (for most) means more cash in the bank and less debt. Jesse also points out that consumer debt continues to hit all time highs, which leads to his approach to the question: should I build my savings or pay off debt?   Jesse urges folks to consider, why do they feel the need to reach for consumer debt in the first place? Reaching for debt regularly, especially pernicious forms of debt like credit cards and buy now, pay later programs, indicates that you aren't aware and in alignment with your true expenses -- the larger and less frequent expenses that you know will happen, but aren't regular monthly bills like rent or utilities. Auto maintenance is a classic example of true expenses -- you know you'll need oil changes, transmission fluid changes, new tires, etc. eventually, but it's not a regular monthly expense.   The trap many people fall into is throwing everything they have into debt payments, only to have a true expense pop up and no cash to pay for it. So they bring out the credit card and fall back into the same cycle that got them into debt in the first place. If you turn your attention away from paying off debt for a bit and instead focus on setting money aside for these true expenses, like tires, then you can reduce your need to rely on consumer debt to cover these. Just setting aside $50 or $100 a month toward these expenses can make you so much more financially resilient, that you no longer need debt and can now begin to pay off debt from a place of stability.   All of a sudden, you are planning and thinking about money like a YNABer!     Watch The Jesse Mecham Show on YouTube: https://www.youtube.com/@jessemechamshow   Got a question for Jesse? Send him an email: askjesse@ynab.com   Sign up for a free 34-day trial of YNAB at www.youneedabudget.com   Follow YNAB on social media: Facebook: @ynabofficial Instagram: @ynab.official Twitter/X: @ynab Tik Tok: @ynabofficial  

Host Jaclyn Zukerman Delory sits down with Julia Bucci, Assistant Vice President of Retail Banking at Hingham Institution for Savings, to explore her 10-year career path from teller to AVP, her community and nonprofit work, and practical banking advice for small businesses and new nonprofits. Julia also shares personal stories about coming out, pursuing an MBA in leadership, her approach to relationship-driven business development, and quick rapid-fire insights on leadership, confidence, and day-to-day life.

00:00 - Intro 00:23 - Savings with no end goal 02:09 - Avoiding all debt 03:38 - Playing defensive, all the time 05:47 - Waiting for certainty 07:08 - Treating income as an end goal 08:28 - Chasing discounts instead of increasing buying power 09:31 - Taking advice from people who aren't playing the same game Tools: Protect yourself online with NordVPN: https://www.nordvpn.com/alux Get a free audiobook when you sign up: https://www.alux.com/freebook Start an online store today: https://www.alux.com/sell Sell an online course: https://try.thinkific.com/f5rt2qpvbfokAlux.com is the largest community of luxury & fine living enthusiasts in the world. We are the #1 online resource for ranking the most expensive things in the world and frequently referenced in publications such as Forbes, USAToday, Wikipedia and many more, as the GO-TO destination for luxury content! Our website: https://www.alux.com is the largest social network for people who are passionate about LUXURY! Join today! SUBSCRIBE so you never miss another episode: https://goo.gl/KPRQT8 -- To see how rich is your favorite celebrity go to: https://www.alux.com/networth/ -- For businesses inquiries we're available at: https://www.alux.com/contact/

Send us a textIn this episode, Tyler and Jimmy talk about the upcoming tournament this week. It is the Masters in Palm Springs, all the players are decked out in whites and we are excited to see some new partnerships come to the surface. They go through the draws and their thoughts and predictions. They end with a Q+A from the fans - Let us know what we should cover on the pod in future episodes, thanks for following along!—————————Website: https://www.tylerloong.com/ Code “KOTC” for insane discounts at: Use Code ‘KOTC' for a great discount online at: clubpickleballshop.comclubpickleballmastermind.comUse Code "KOTC" for $100 Savings on C&D Pickleball Nets: https://bestpickleballnets.com/Use Code "KOTC" for Big Savings on Vulcan Gear: https://vulcansportinggoods.com/pagesKOTC Merch - Use “KOTC” kitchpickleball.comNEW KOTC DISCORD https://discord.com/invite/kNR65mBemfNEW KOTC CAMEOhttps://www.cameo.com/morekotcInstagram: Tyler's IG - @tyler.loong  Jimmy's IG - @jimmymiller_pbKOTC IG - @morekingofthecourt  Facebook: / tyler.loong   --0:00 Introduction 2:23 Club Pickleball Mastermind 4:56 Club Pickleball Shop5:27 Cameo 5:44 PPA Tournaments discount 5:54 PPA Masters preview 08:00 All Access Subscription 08:55 PPA Masters12:38 New Paddle Sponsors confirmed / More rumours… 18:33 C&D Pickleball Nets 19:12 Masters Draws Previewed.. 44:21 Stack Athletics 44:50 Tennis Stars in Pickleball 48:52 Vulcan 49:53 Q+ASupport the show

Caleb Guilliams & Chris Naugle ( @TheChrisNaugle ) showcase a brand new calculator that demonstrates the true value of whole life insurance compared to other assets. They then debate the true math behind buying cars using the infinite banking concept. 00:00 Introduction and Whole Life Insurance Misconceptions 01:17 Defining Infinite Banking Concept (IBC) 02:12 The Role of Whole Life Insurance in IBC 04:26 Insuring Your Greatest Asset (Ability to Earn) 06:08 Societal Shift and Lack of Selfless Thinking 09:31 Keys to Financial Success 11:11 Whole Life Insurance as an Efficient Asset 15:39 The Stigma of Whole Life Insurance 16:30 Whole Life Insurance is Not an Investment 17:39 Uninterrupted Compounding Interest 19:30 Competitive Growth and the Tax Advantage 30:45 Why Chris Naugle Uses IBC for Cars 37:05 Mathematical Debate on Loans and Savings 47:29 Personal Preference and Capital Movement 49:57 Alternative Strategies (Leasing) and Conclusion Buy Your Tickets to the Life Insurance Summit! Click Here: https://betterwealth.com/summit Want a Life Insurance Policy? Go Here: https://bttr.ly/bw-yt-aa-clarity Want FREE Whole Life Insurance Resources & Education? Go Here: https://bttr.ly/yt-bw-vault Want Us To Review Your Permanent Life Insurance Policy? Click Here: https://bttr.ly/yt-policy-review ______________________________________________ Learn More About BetterWealth: https://betterwealth.com ==================== DISCLAIMER: https://bttr.ly/aapolicy *This video is for entertainment purposes only and is not financial or legal advice. Financial Advice Disclaimer: All content on this channel is for education, discussion, and illustrative purposes only and should not be construed as professional financial advice or recommendation. Should you need such advice, consult a licensed financial or tax advisor. No guarantee is given regarding the accuracy of the information on this channel. Neither host nor guests can be held responsible for any direct or incidental loss incurred by applying any of the information offered.

In 2066, the Democrats have achieved a liberal utopia in the United States. But can President Silas Winfield defend the status quo against Republican attacks on the Department of Savings? Chapo Trap House & Episode 1 present "How The West Was Wing" Starring Brendan James, Hasan Piker, Will Menaker, Felix Biederman, Matt Christman, Chris Wade, Raina Douris, Ryan Grim, Hesse Deni, Liz Franczak, Kath Krueger, Luke Savage, Molly Mary O'Brien, Amber Rollo, Amber Frost, Alex Branson, and Charles Austin. Written by Alex Branson and Charles Austin Edited by Charles Austin Artwork by The Average Joey

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Teri Williams. President & COO (and owner) of OneUnited Bank, from Money Making Conversations Masterclass: Purpose of the Interview The interview aimed to: Showcase OneUnited Bank’s role as the largest Black-owned bank and its commitment to financial empowerment. Educate listeners on digital banking solutions, financial literacy, and generational wealth strategies. Promote OneUnited Bank’s services and initiatives, including its youth financial literacy contest and “One Transaction” wealth-building concept. Key Takeaways Origins & Growth of OneUnited Bank Started as a community bank in Boston, later acquired four Black-owned banks (Miami, LA, Boston) and merged into OneUnited. Became the first Black-owned digital bank and now serves customers nationwide. Digital Banking & Accessibility Customers can open accounts online in minutes. Features include: Mobile check deposit (take a photo of your check). Direct deposit with early pay (up to 2 days early, no fees). Largest surcharge-free ATM network (100,000 ATMs, including Walgreens, 7-Eleven, Chase, Citibank). Combatting Financial Deserts Addresses lack of brick-and-mortar banks in Black communities and reliance on predatory check-cashing services. Emphasizes that check-cashing services never improve credit scores and often harm financial health. Financial Literacy & Wealth Building Advocates automatic savings as a key wealth-building habit. Introduced WiseOne, a tool that aggregates financial data to: Track net worth, income, expenses. Identify duplicate charges and suggest savings. Provide debt-reduction strategies. Youth Financial Literacy Initiative “I Got Bank” Contest for ages 8–12: Read a financial literacy book (free download available). Submit an essay or artwork on what they learned. 10 winners receive $1,000 savings accounts. One Transaction Concept Six key transactions to build generational wealth: Homeownership (OneUnited offers $25K–$50K down payment assistance). Life Insurance (affordable way to transfer wealth). Investments (automatic contributions). Profitable Business (entrepreneurship or side gigs). Credit Score Improvement. Savings (automatic transfers). Focus on one transaction at a time for sustainable progress. Economic Advice for Uncertain Times Anticipates stagflation (inflation + rising unemployment). Recommendations: Hold on to your job (avoid unnecessary job changes). Save more, spend less. Notable Quotes “We were the first Black-owned digital bank—and now the largest Black-owned bank in the country.” “Check cashers only report to credit bureaus when you don’t pay them. That’s crazy.” “If it goes in your pocket, you’re more likely to spend it. Wealthy people automate savings.” “One transaction can make the difference between being wealthy or not.” “We have the largest surcharge-free ATM network in the country—100,000 ATMs.” “Hold on to your job. Start saving more and spending less.” #SHMS #STRAW #BESTSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Teri Williams. President & COO (and owner) of OneUnited Bank, from Money Making Conversations Masterclass: Purpose of the Interview The interview aimed to: Showcase OneUnited Bank’s role as the largest Black-owned bank and its commitment to financial empowerment. Educate listeners on digital banking solutions, financial literacy, and generational wealth strategies. Promote OneUnited Bank’s services and initiatives, including its youth financial literacy contest and “One Transaction” wealth-building concept. Key Takeaways Origins & Growth of OneUnited Bank Started as a community bank in Boston, later acquired four Black-owned banks (Miami, LA, Boston) and merged into OneUnited. Became the first Black-owned digital bank and now serves customers nationwide. Digital Banking & Accessibility Customers can open accounts online in minutes. Features include: Mobile check deposit (take a photo of your check). Direct deposit with early pay (up to 2 days early, no fees). Largest surcharge-free ATM network (100,000 ATMs, including Walgreens, 7-Eleven, Chase, Citibank). Combatting Financial Deserts Addresses lack of brick-and-mortar banks in Black communities and reliance on predatory check-cashing services. Emphasizes that check-cashing services never improve credit scores and often harm financial health. Financial Literacy & Wealth Building Advocates automatic savings as a key wealth-building habit. Introduced WiseOne, a tool that aggregates financial data to: Track net worth, income, expenses. Identify duplicate charges and suggest savings. Provide debt-reduction strategies. Youth Financial Literacy Initiative “I Got Bank” Contest for ages 8–12: Read a financial literacy book (free download available). Submit an essay or artwork on what they learned. 10 winners receive $1,000 savings accounts. One Transaction Concept Six key transactions to build generational wealth: Homeownership (OneUnited offers $25K–$50K down payment assistance). Life Insurance (affordable way to transfer wealth). Investments (automatic contributions). Profitable Business (entrepreneurship or side gigs). Credit Score Improvement. Savings (automatic transfers). Focus on one transaction at a time for sustainable progress. Economic Advice for Uncertain Times Anticipates stagflation (inflation + rising unemployment). Recommendations: Hold on to your job (avoid unnecessary job changes). Save more, spend less. Notable Quotes “We were the first Black-owned digital bank—and now the largest Black-owned bank in the country.” “Check cashers only report to credit bureaus when you don’t pay them. That’s crazy.” “If it goes in your pocket, you’re more likely to spend it. Wealthy people automate savings.” “One transaction can make the difference between being wealthy or not.” “We have the largest surcharge-free ATM network in the country—100,000 ATMs.” “Hold on to your job. Start saving more and spending less.” #SHMS #STRAW #BESTSee omnystudio.com/listener for privacy information.

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3412: Christina Browning offers a realistic yet hopeful roadmap for those in their 40s, 50s, or 60s who haven't started saving for retirement. By focusing on smart budgeting, strategic investing, income awareness, and practical lifestyle changes, she shows how late starters can still build financial security and achieve retirement peace of mind. Read along with the original article(s) here: https://www.ourrichjourney.com/post/older-and-dont-have-a-retirement-plan-do-this Quotes to ponder: "You can't borrow or get a loan for your retirement, but your children can for their education." "When you're dealing with retirement accounts when you're older, age is actually an advantage for you." "Remain hopeful about your situation because financial independence is possible even when you're starting late!" Episode references: Social Security Administration: https://www.ssa.gov Learn more about your ad choices. Visit megaphone.fm/adchoices

Objective of the Plan Lower healthcare costs for Americans. Extend expiring ACA subsidies temporarily while transitioning to a new system. Shift financial benefits from insurance companies to individuals. Proposed Measures Two-year extension of Enhanced Premium Tax Credits (originally expanded during COVID-19). Income eligibility cap for subsidies at 700% of the federal poverty line to prevent wealthy Americans from benefiting. Minimum premium payments to ensure cost-sharing. Encourage Health Savings Accounts (HSAs) and direct tax credits to individuals rather than insurers. Push for cost-sharing reductions that were previously blocked in Congress. Financial Impact Congressional Budget Office (CBO) estimates reforms could: Lower premiums by 12.7%. Save taxpayers $30.8 billion. Criticism of ACA for being “unsustainable” and increasing premiums by 80% since passage. Political Context Democrats opposed previous Republican attempts to include cost-sharing reductions in legislation. Debate over whether reforms should be bipartisan or passed via budget reconciliation. Trump emphasizes “power to the people” by allowing individuals to control healthcare spending. Underlying Philosophy There is a strong focus on consumer choice and freedom. Opposition to government-managed healthcare and subsidies flowing to insurance companies. A belief that direct-to-consumer funding will reduce corruption and lower costs. Please Hit Subscribe to this podcast Right Now. Also Please Subscribe to the The Ben Ferguson Show Podcast and Verdict with Ted Cruz Wherever You get You're Podcasts. And don't forget to follow the show on Social Media so you never miss a moment! Thanks for Listening X: https://x.com/benfergusonshowYouTube: https://www.youtube.com/@VerdictwithTedCruzSee omnystudio.com/listener for privacy information.