Podcasts about smart women finish rich

Rose sits down with Dr. Brenda Uekert, a sociologist, financial coach, speaker, author, and full-time RVer who is passionate about achieving financial freedom while caring for the planet. In this episode, Brenda shares her journey from a traditional career to embracing life on the road, offering insights into her steps toward financial freedom. We'll explore her innovative concept of "eco-wealth," where financial success and environmental stewardship go hand in hand. Brenda also discusses her book, "The Money Road Trip," which serves as a guide for achieving financial goals, and introduces us to the Planet Smart Finance Fest, an event dedicated to sustainable finance and investing. Key Takeaways: Eco-Wealth Concept: Brenda's innovative idea of "eco-wealth" emphasizes growing income, reducing expenses, and making environmentally responsible financial choices. Holistic Financial Freedom: Financial freedom isn't just about accumulating wealth but also about enriching life with meaningful experiences, connections, and values. Income-Expense Gap: The importance of increasing the gap between income and expenses to achieve financial stability and freedom. Time Autonomy: Valuing the freedom to choose how and where to spend your time, a key benefit of the RV lifestyle. Sustainable Finance: Insights into sustainable investing and financial practices that benefit both personal wealth and the planet. Planet Smart Finance Fest: An event created by Brenda that focuses on sustainable finance and investing, providing valuable resources and networking opportunities. Practical Tips: Brenda shares actionable advice on achieving financial goals, aligning financial practices with personal values, and living a more sustainable lifestyle. Tune in for a wealth of practical tips and inspiring stories that will help you balance financial success with a sustainable, fulfilling lifestyle. Books Mentioned: "Smart Women Finish Rich" by David Bach "Profit First: Transform Your Business from a Cash-Eating Monster to a Money-Making Machine" by Mike Michalowicz Connect with Brenda: https://linktr.ee/drbrendau https://drbrendamoneycoach.com/ https://drbrendamoneycoach.com/coaching/does-adversity-make-us-stronger-heres-my-story/ ~~~~~~~~~~~~~~~~~~~~~ THE RV ENTREPRENEUR ⁠https://therventrepreneur.com⁠ ~~~~~~~~~~~~~~~~~~~~~ Join the RVE community on Facebook! ⁠https://www.facebook.com/groups/therventrepreneurcommunity ⁠ Connect with RVE on all your favorite socials ⁠https://therventrepreneur.com/connect⁠ Got questions or comments for our hosts? Leave us a voice message! ⁠https://therventrepreneur.com/contact (NOTE: Audio submitted may be published on the podcast unless specifically requested otherwise.) Got a great story or tips to share with RVE Listeners? Complete our Guest Intake Form: ⁠https://therventrepreneur.com/guestform⁠ ~~~~~~~~~~~~~~~~~~~~~ The RV Entrepreneur is presented by RV Life – Tools that Make Camping Simple ⁠https://rvlife.com⁠ You May Also Like: The RV Life Podcast ⁠https://podcast.rvlife.com/⁠ ~~~~~~~~~~~~~~~~~~~~~~~~ Send in a voice message: ⁠https://podcasters.spotify.com/pod/show/rve/message

DealQuest Community, several episodes ago, I introduced a project we've been working on – remastering early episodes of the DealQuest podcast into new life. I'm excited to bring you yet again another remastered episode from the start of this podcast. This episode is with a good friend of mine, David Bach, owner of FinishRich Media, and 10x New York Times Bestselling Author.David has authored 13 books, including bestsellers like Smart Women Finish Rich, Smart Couples Finish Rich, and The Automatic Millionaire. At the date of original airing, David's most recent book was The Latte Factor: Why You Don't Have to Be Rich to Live Rich. Unlike his previous works, The Latte Factor is a parable that can be read in about an hour. Its primary aim is to inspire millennials, Generation Z, and generations to come to take control of their financial futures, even in the face of student loans and credit card debt. TAKING CONTROLDavid has made a name for himself by helping individuals take control of their financial futures. In this engaging conversation, they delve into David's journey, his principles of financial literacy, and his approach to making successful deals.To start, there is importance of having a clear mission in the world of personal finance. David's journey began with the mission to educate and empower women to be smarter with their money. Through books like Smart Women Finish Rich, he started a lifelong commitment to financial education.Bach's core principles include automating savings, paying oneself first, and making small changes in spending habits to achieve significant results. He practices what he preaches: Ensuring that he aligns his actions with his mission. LEVERAGING LICENSING DEALS FOR RESIDUAL INCOMEOne of David's distinctive approaches is his focus on licensing deals. Instead of offering one-time consulting or training services, he creates valuable intellectual property (IP) that can be licensed repeatedly. This strategy allows him to amplify the impact of his mission while generating ongoing licensing fees, resulting in residual income. David's key lessons from licensing deals include: Protect Your IP: Trademark and protect your intellectual property to safeguard your unique content. Seek Mission-Aligned Partnerships: Partner with organizations that share your mission and goals for a win-win collaboration. Think Long-Term: Focus on licensing arrangements that offer ongoing revenue rather than one-time project fees. CHARACTERISTICS OF A GREAT DEALMAKERWe often discuss on this podcast what truly makes a dealmaker. According to David, a dealmaker should possess certain characteristics: Optimism: dealmakers are optimists who believe in creating win-win situations for all parties involved. Flexibility: They can adapt to the needs and wants of others while pursuing their objectives. Due Diligence: It's crucial to research the people and companies you're dealing with to ensure alignment and integrity. Authenticity: dealmakers should be authentic negotiators, transparent about their goals and expectations. Incorporating these characteristics into their approach, dealmakers like David can navigate complex negotiations, build lasting partnerships, and achieve their missions while benefiting all parties involved.David's journey from financial literacy advocate to successful dealmaker is a testament to his authenticity, mission-driven approach, and commitment to empowering others – all of the things that not just David, but many other leaders in the space, believe is what makes a great dealmaker. His story serves as an inspiration to all those looking to create wealth, live authentically, and make a positive impact on the world of finance. • • •For my full discussion with David Bach, and more on this topic and topics not featured on this blog post:Listen to the Full DealQuest Podcast Episode Here• • • FOR MORE ON DAVID BACH:https://www.linkedin.com/in/david-bach/https://davidbach.com/ Corey Kupfer is an expert strategist, negotiator, and dealmaker. He has more than 35 years of professional deal-making and negotiating experience. Corey is a successful entrepreneur, attorney, consultant, author, and professional speaker. He is deeply passionate about deal-driven growth. He is also the creator and host of the DealQuest Podcast. Get deal-ready with the DealQuest Podcast with Corey Kupfer, where like-minded entrepreneurs and business leaders converge, share insights and challenges, and success stories. Equip yourself with the tools, resources, and support necessary to navigate the complex yet rewarding world of dealmaking. Dive into the world of deal-driven growth today!

Join Shannon and Christine as they chat with expert, April Roberts, about Intellectual Wellness and how to experience joy, peace, love and aligned abundance in Episode 136 of the Women Connected in Wisdom Podcast. Join us in community: Women Connected in Wisdom Community Listen to past episodes: https://womenconnectedinwisdompodcast.com/ Glo from head to toe by joining the shealo glo glo club at www.shealoglo.com ! Stillpoint: A Self-Care Playbook for Caregivers Join Christine at an event! Book a free coaching consult with Christine here: https://www.christinegautreaux.com Like & Subscribe to get notifications of when we are live: Women Connected in Wisdom Instagram Women Connected in Wisdom on Facebook   Additional Resources:  https://www.vixengathering.com/  @vixengathering; Facebook, Insta and LinkedIn  WCW Vol. I - Audio Book   Julia Cameron The Artist's Way  Amazon.com: How Full Is Your Bucket? Anniversary Edition (Audible Audio Edition)  Amazon.com: Smart Women Finish Rich, Expanded and Updated (Audible Audio Edition)  Brendon Burchard   

It is my honor and pleasure to introduce you to the best nail artist in Charlotte, Julie Nhi! Julie is the owner of Cosmic Nails, and in this episode she's sharing her inspiring story of hustling seven days a week to secure her first brick and mortar location, to earning a scholarship to be mentored along Charlotte's most accomplished entrepreneurs. If you own - or dream of owning! - your own business, this episode is full of tactical tips and inspiration! Plus, she shares her favorite health elixirs that I have tried and can attest to - they work! Connect with Julie & Cosmic Nails Website Instagram Products mentioned: Smart Women Finish Rich by David Bach* Smart Couples Finish Rich by David Bach* Everything Is Figureoutable by Marie Forleo* Some of the key takeaways from this episode include: Find what can set you apart from other businesses in your industry. Julie saw that nail art was just becoming popular so she used her graphic design skills to soar to the top in that niche! When you first start a business, you probably won't have the resources or recognition for instant success. If you persevere and work hard, you'll be ready when that big break opportunity comes. Seasons of working seven days a week are temporary - keep going! Build a personal relationship with your clients and vendors. Get to know them personally and check in with them. When you show people you genuinely care about them, you're more likely to create loyal customers for life. Welcome to The Cheeky Been Podcast! I'm your host Vanessa Krombeen, the creator behind The Cheeky Been, a lifestyle blog that empowers women to feel their best through fitness, fashion, health and wellness, and motherhood tips. In this show, you will find thought provoking conversations with entrepreneurs, influencers, and brands you love and the answers to your most sought after questions.  Connect with Me!  Follow The Cheeky Been Follow The Cheeky Been Podcast The Cheeky Been Blog TikTok YouTube Business Inquiries: thecheekybeen@gmail.com *Indicates an affiliate link. Thank you for supporting the show by shopping from my links!

'sup divine money-making fam, i HIGHLY recommend this book and SMART WOMEN FINISH RICH as well by David Bach. Please visit his website for the free PDF download of the Smart Women book. You can buy either book for under $13, and/or download the PDF online and/or listen to the audiobook on youtube. be blessed beloveds~ --- Send in a voice message: https://anchor.fm/musingsofadivinefeminine/message Support this podcast: https://anchor.fm/musingsofadivinefeminine/support

Not so fun fact: 73% of Americans rank finances as the number one stressor in life. While there is no quick fix when it comes to financial wellness, you can start building better habits at any time, and that's what we are talking with Brittan Leiser, financial adviser and founder of Financially Savviher, about in this episode. Brittan breaks down the basics of financial wellness and how you can lessen your financial stress by being in control of your finances.  In the “You Want Me To Do What??” section, Nicole and Shanna talk about the importance of understanding your relationship with money. Episode Recap: Interview with Brittan Leiser - 1:48, “You Want Me To Do What??” section - 43:12 Highlights: Financial wellness gives you options and flexibility Financial wellness basics: Inventory all of your accounts Create a budget Budgeting recommendations: When it comes to budgets, the best way to budget is whatever you'll stick to Look back at the past few months of spending to understand what your spending is in different categories Assess what you are spending on Make a plan for the upcoming month Look retroactively at your month to make adjustments for the next month Build your savings goal into your budget as if it is a bill Give yourself grace -- it's not all or nothing. Building good habits is better than nothing. Emergency savings: 3-6 months in a high yield savings account Savings vs Debt: List all your debts, lined up by interest rate If you have higher interest rates, pay down debt while putting a little money into savings Investing: fund your future self via an IRA and an employer sponsored retirement account (such as a 401k) When investing, think about: Minimizing costs Diversifying what industries and companies you invest in The level of risk you can take (the closer to retirement, the more conservative you want to be) Top Tips for Gaining Control over Your Finances Create a budget and be in control of it Have an inventory of your debt and bills Invest early and often Book recommendations:  Smart Women Finish Rich by David Bach Rich Dad Poor Dad by Robert Kiyosaki Resources: Where to find Brittan Leiser: Instagram: @financially.savviher Website: https://financiallysavviher.com/ 

I think this is one of the most important pieces of growth: become a student of your next transition. Don't be caught off guard by the natural progression of life and situations. This is being actively involved in your own growth and not passively waiting for situations to just show up and surprise you. Recommended reading: "Smart Women Finish Rich" by David Bach Have a question for or a topic you would like covered? Email me at livelovelypodcast@gmail.com

The Connected Yoga Teacher Podcast Ep 141: Let's Talk Money with Katie Brauer   Description: Part of being an entrepreneur and business owner is dealing with our money mindset. Money is an essential part of our business, and whether you love it or you hate it, you need to embrace it and cultivate that relationship. Even after years of being in business,  our mindset work around money never really ends. Katie Brauer has some insights on the topic.   Katie Brauer is an international yoga educator, high performance coach, former professional snowboarder, and mentor at the intersection of yoga and entrepreneurship. She has been described as a “power house yogi and rising leader” by Forbes, and is the creator of The Yoga Professional Incubator® , an online business and personal growth incubator for yoga teachers. Today, Katie helps people transform their businesses, their relationships and their lives through coaching, group programs and retreats.   How do we even begin to open up the money conversation? It's a topic that many people find uncomfortable, not just yoga teachers, and Katie shares some of the blocks that we have around money mindset. She explains how a money buddy can be helpful to unpacking your relationship with money, and what it means to be in relationship with our money. Katie has some unique perspectives about the flow of money, and share tips for something we all struggle with - raising our rates, and doing it even when it feels scary.   This is such an important topic for all of us to think about. If you've ever hesitated to raise your rates, or felt uncomfortable with your relationship with money, this episode is a great starting point to change that.    Key Takeaways: [5:50] Shannon introduces her guest for this episode - Katie Brauer [6:54] Where did Katie's yoga journey begin? [7:43] What shifted in Katie's mind that made her become a yoga teacher? [9:46] How did Katie start to dig into becoming comfortable with talking about money as a yoga teacher and a consultant for yoga teachers? [12:13] What are some of the hurdles that yoga teachers face around their money mindset? [14:04] Who should we choose to be our money buddy? Katie shares more about who we should pick, and how to approach looking at our relationship with money. [17:49] What are some of the strategies that have produced the biggest shift in Katie's relationship with money? [20:54] How does Katie approach looking for the flow of money in her life? [23:01] Katie segues into talking about how yoga teachers can use this method to find the right pricing for them. [26:41] Yoga teachers often lean towards undercharging. What are Katie's tips for addressing that? [30:03] Shannon shares an anecdote of what happened when she decided to try raising her rates for a course she offers. [33:41] Yoga teachers often say they feel bad that they're making yoga inaccessible to those who can't afford it by raising their rates. What is Katie's response to that? [41:20] What are some other practices Katie recommends to shift your mindset around money? [45:43] Opening up the conversation and listening to what others have to say on the topic of money can be just as important. [48:55] Being spiritual and having money are not at odds with each other. [52:40] It is a myth that yoga teachers cannot make money. [54:21] Get in touch with Katie via her website, and leaves us with a challenge - what's the one thing you could do today to enhance your life and business?  [56:18] Katie shares a unique location to teach yoga. [1:01:08] Shannon shares her biggest takeaways from this interview, and would love to hear your thoughts too!   Links: Katie Brauer Katie Brauer's Wealth Accelerator Program - Free Download  The Connected Yoga Teacher Podcast Episode 130: Make a Profit Teaching Private Yoga with Emily Sussell The Connected Yoga Teacher Podcast Episode 041: Generating Profit with Natalie Eckdahl The Connected Yoga Teacher Podcast Episode 042: Money Mindset with Geraldine Carter The Connected Yoga Teacher Podcast Episode 043: Minimum Viable Income with Steph Crowder The Connected Yoga Teacher Podcast Episode 044: Accounting for Yoga Teachers with Hannah Smolinski Nicole Lombardo The Spontaneous Fulfillment of Desire, by Deepak Chopra Claire Pells, Get Paid Podcast How to Get Out of Debt With the Debt Snowball Plan, by Dave Ramsey Profit First, by Mike Michalowicz  Smart Women Finish Rich, by David Bach The Latte Factor, by David Bach and John Mann Suze Orman David Bach Podcast Where to Teach Yoga, compiled by Shannon Crow   Gratitude to our Sponsor Schedulicity and Mama Nurture.   Quotes from this episode: "I think the first thing is a willingness to talk about it, because it's just so uncomfortable for the majority of people on the planet, not just yoga teachers." "There's so much shame that goes along with money, and it doesn't have to be." "You're in a relationship with your money." "I find when I just get quiet, the answer is there." "There's people on my list, and your list, and for yoga teachers listening, in your orbit that are just waiting for the right thing that speaks to them." "I think that is a total myth, that people can't be spiritual and have money."

On this weeks podcast, Jerry and Nick welcome back New York Times Best-Selling Author David Bach! David has been in the financial industry for nearly 3 decades and is the author of nine best-selling books including: The Automatic Millionaire, Smart Women Finish Rich, and Smart Couples Finish Rich. He’s also been a guest on the Oprah Winfrey show several times and is considered one of America’s most trusted financial experts. We talk with David about:- The best advice he would give those planning to retire or who are already retired.- The lesson he learned from his Grandma Rose that affected the course of his life.- What got him into investing.- How to increase your financial intelligence so you can make better decisions. FREE GIVE:https://group10financial.lpages.co/on-the-money-retirement-toolkit/ Enjoy the show! Resources In Today's Episode:- Free Resource Download Page- Schedule Your Complimentary On The Money 5-Step Retirement Review by calling 1.800.245.0546- Check out our website: Group 10 Financial/- Follow us on Facebook- Follow us on TwitterDisclaimer

It’s Sunday, which means...It’s recap time!  The theme for this week was: Estate planning essentials.  Hopefully after listening to the tips this week, you understand that estate planning is vital to ensuring your family is protected after you’re gone, and that your assets are distributed how and when you want.  One other important point about estate planning. Don’t be penny-wise and pound foolish. Find a competent estate planning attorney in your area who will take the time to understand your situation and your needs and draft the necessary documents to ensure that your favorite niece and your favorite dachshund , Morty, are both properly taken care of after you pass from this life. It can be overwhelming to figure out all the necessary documents you need for your specific situation, so I encourage you to seek professional help from a competent and caring estate attorney.  Because I took the time to discuss why you should seek professional help with your estate plan, I don’t have time to get into the specific episode recap. But...If you missed any of these episodes or if you want to revisit any of them, you can find them on iTunes or Google Play by searching for the “One Minute Retirement Tip with Ashley”.  Tomorrow we’re starting a brand new theme: Smart Women Finish Rich. I’m sure I just totally ripped off a book title there...But here’s the reality. Women tend to outlive their husbands and they are already inheriting money at staggering rates. Women who are single later in life, through choice, divorce, or widowhood have to make a lot of important choices, so for my female listeners, I’m going to focus on what you can do to make smart money decisions.  And to my beloved male listeners, you all have women in your life who probably need to hear this message, so stick around with me next week and bring your favorite lady in your life along next week by encouraging her to listen.  That’s it for this week! Thanks for listening.  My name is Ashley Micciche and this is the “One Minute Retirement Tip”. ---------- >>> Subscribe on iTunes: https://apple.co/2DI2LSP >>> Subscribe on Amazon Alexa: https://amzn.to/2xRKrCs >>> Check out our blog: https://truenorthretirementadvisors.com/blog/ ---------- Tags: retirement, investing, money, finance, financial planning, retirement planning, saving money, personal finance, wealth management, fee only financial advisor, financial planner, estate planning documents checklist, estate planning, estate planning definition, estate planning trusts, estate planning checklist, estate planning attorney, estate planning documents, beneficiary designation, primary beneficiary, contingent beneficiary, beneficiary designation form, beneficiaries, will, last will, digital estate plan, power of attorney, living will, medical directives, advance healthcare directives

Be sure to check out "Smart Women Finish Rich" by David Bach https://davidbach.com/books/ Don't forget to rate and review our podcast and stay connected with us on social media! INSTAGRAM PAGE https://www.instagram.com/legitadvicepodcast/ FACEBOOK PAGE https://www.facebook.com/legitadvicepodcast/ For show ideas or questions contact us at hi@legitadvicepodcast.com

On this weeks podcast, Jerry and Nick welcome back New York Times Best-Selling Author David Bach! David has been in the financial industry for nearly 3 decades and is the author of nine best-selling books, including The Automatic Millionaire, Smart Women Finish Rich and Smart Couples Finish Rich. He’s also been a guest on the Oprah Winfrey show several times and is considered one of America’s most trusted financial experts. We talk with David about:- What books he suggests for your summer reading list.- What his eye opening “Latte Factor” is and how you can apply it to your life immediately.- Why you should share the “Latte Factor” and the “Cigarette Factor” with your kids so they can become financially successful!- What’s Jerry’s money making machine?FREE GIVE: On The Money Retirement Toolkit…CLICK HEREEnjoy the show! Resources In Today's Episode:- Free Resource Download Page- Schedule Your Complimentary On The Money 5-Step Retirement Review by calling 1.800.245.0546- Check out our website: Group 10 Financial/- Follow us on Facebook- Follow us on TwitterDisclaimer

Today on the Rise Podcast, I'm so excited to introduce you guys to my friend, David Bach. David is the author of what I consider the bible of financial freedom, "Smart Women Finish Rich." David is an absolute savant in terms of saving, investing, and becoming debt-free, and he is amazing and imparting that wisdom in a way that is easy and approachable. If you're like me, and struggle with math and complex financial concepts, this is the interview for you. Check out David's work and his latest book, "The Latte Factor" at thelattefactor.com--My new book Girl, Stop Apologizing is available now! It contains some of the most tactical and detailed information I've ever given, all in the hopes of inspiring you to stop making excuses and follow the dream that sets you on fire. Get it right here — amzn.to/2RxC6eYLastly, if you are looking to add gratitude + goal-setting in your life then head to our shop to grab your Start Today Journal here-- http://bit.ly/2UZOglA Learn more about your ad choices. Visit podcastchoices.com/adchoices

Today on the Rise Podcast, I'm so excited to introduce you guys to my friend, David Bach. David is the author of what I consider the bible of financial freedom, "Smart Women Finish Rich." David is an absolute savant in terms of saving, investing, and becoming debt-free, and he is amazing and imparting that wisdom in a way that is easy and approachable. If you're like me, and struggle with math and complex financial concepts, this is the interview for you.  Check out David's work and his latest book, "The Latte Factor" at thelattefactor.com -- My new book Girl, Stop Apologizing is available now! It contains some of the most tactical and detailed information I’ve ever given, all in the hopes of inspiring you to stop making excuses and follow the dream that sets you on fire. Get it right here — amzn.to/2RxC6eY Lastly, if you are looking to add gratitude + goal-setting in your life then head to our shop to grab your Start Today Journal here-- http://bit.ly/2UZOglA

David Bach is a top trusted financial expert, nine-time New York Times bestselling author, motivational speaker, successful entrepreneur, and founder of FinishRich media. David's most successful work as an author includes his Finish Rich and Automatic Millionaire series of books, translated into more than 19 languages and with more than 7 million total books in print. David is also a frequent national television guest and contributor. David's accolades and accomplishments seem truly endless. He has been recognized as a “thought leader of the year in the RIA industry” by WealthManagement.com in 2018, and he currently serves as the Co-Founder and Director of Advisor and Investor Education with AE Wealth Management, one of America's fastest growing RIA firms with more than $6 billion in total platform assets. Over the course of two decades, David's work has taught more than a hundred million people how to better manage their finances, be smarter with their money, and truly obtain wealth. What You Will Learn: David discusses his new book The Latte Factor, and why he wrote it for today's young people to show them that there is hope for achieving the American Dream, as long as they take a few key financial steps. David shares how he learned many of his important financial lessons from his grandmother, for whom he wrote the book Smart Women Finish Rich. He shares these key lessons and why they have had such an impact on him. David gives an overview of his long career in the financial services industry. He discusses the work AE Wealth Management does to help RIA firms grow, expand, brand themselves and gain clients. David shares how he learned an important lesson about saving for retirement, and he shares how a little bit of work adds up over time to become a remarkable amount of money by the time you're ready to retire. Learn how David has been able to use deals to advance his business through his early experience developing his Smart Women Finish Rich program including how licensing deals were key. David shares how he has leverage his content, brand and expertise into business partnerships and equity positions in companies. Davis shares the key qualities a true dealmaker needs to have. He explains why optimism matters and that you can't do a good deal with a bad person. How to connect with David Bach: Website: www.thelattefactor.com Website: www.davidbach.com

David Bach is a top trusted financial expert, nine-time New York Times bestselling author, motivational speaker, successful entrepreneur, and founder of FinishRich media. David’s most successful work as an author includes his Finish Rich and Automatic Millionaire series of books, translated into more than 19 languages and with more than 7 million total books in print. David is also a frequent national television guest and contributor.David’s accolades and accomplishments seem truly endless. He has been recognized as a “thought leader of the year in the RIA industry” by WealthManagement.com in 2018, and he currently serves as the Co-Founder and Director of Advisor and Investor Education with AE Wealth Management, one of America’s fastest growing RIA firms with more than $6 billion in total platform assets. Over the course of two decades, David’s work has taught more than a hundred million people how to better manage their finances, be smarter with their money, and truly obtain wealth.What You Will Learn:David discusses his new book The Latte Factor, and why he wrote it for today’s young people to show them that there is hope for achieving the American Dream, as long as they take a few key financial steps.David shares how he learned many of his important financial lessons from his grandmother, for whom he wrote the book Smart Women Finish Rich. He shares these key lessons and why they have had such an impact on him.David gives an overview of his long career in the financial services industry. He discusses the work AE Wealth Management does to help RIA firms grow, expand, brand themselves and gain clients.David shares how he learned an important lesson about saving for retirement, and he shares how a little bit of work adds up over time to become a remarkable amount of money by the time you’re ready to retire.Learn how David has been able to use deals to advance his business through his early experience developing his Smart Women Finish Rich program including how licensing deals were key.David shares how he has leverage his content, brand and expertise into business partnerships and equity positions in companies.Davis shares the key qualities a true dealmaker needs to have. He explains why optimism matters and that you can’t do a good deal with a bad person.How to connect with David Bach:Website: www.thelattefactor.comWebsite: www.davidbach.com See acast.com/privacy for privacy and opt-out information.

"How Bad Do You Want It?" Social Media Handles Instagram/Twitter: @STFFinancial Facebook: RodSelmon STF Financial Business Essentials: Calendly - scheduling Mail Chimp - email marketing Ripl - digital ads Book mentioned: "Smart Women Finish Rich" by David Bach Don’t forget to Follow Jada D. on Instagram & Twitter: @ItsJadaD Shop with her at @GrindMatch Travel with her at @Global_Intent Work with her at JadaDavis.com Have thoughts about the episode? Share on social media using the hashtag #CupOfGrind or follow at the official podcast account on Instagram: @CupOfGrind Email: me@JadaDavis.com with thoughts and questions! --- Support this podcast: https://anchor.fm/cupofgrind/support

Recently there have been LOTS of headlines about FIRE. Good? Bad? Ugly? We invited David Bach down to the basement to ostensibly ask him about the 20th anniversary edition of his Smart Women Finish Rich book. While we cover that in detail, we also asked him about HIS thoughts on the FIRE movement....and let's just say that he was more than happy to share. In our headlines segment it's time for tax loss harvesting and year end tax planning. What should you do? An Investment News piece details a few strategies and we'll talk about our favorites (and maybe not-so-favorites) on today's podcast Of course, that's not all. We'll throw out the Haven Life line to listener Rachel, who has some BIG life decisions to make. Should she stay in her townhouse or pursue her dream of moving to the mountains, even if it means a much longer commute to work, new debt, and probably some unforeseen consequences. And don't worry... we'll still take some time for Doug's trivia. Looking for something deeper than what we give you on the show? Subscribe to our weekly newsletter: The Stacker.

On this episode Jerry and Nick welcome back New York Times Best-Selling Author David Bach! David has been in the financial industry for nearly 3 decades and is the author of nine best-selling books, including The Automatic Millionaire, Smart Women Finish Rich and Smart Couples Finish Rich. He’s also been a guest on the Oprah Winfrey show several times and is considered one of America’s most trusted financial experts. We talk with David about:- How too many people think they have a financial advisor, but come to find out they are missing that all important written financial plan.- What the key parts are to a solid written plan.- What things you should be looking for in a financial advisor.- What should you keep in mind when investing in today's market. - What is a financial stress test and should you get one. Resources In Today's Episode: - Schedule Your Complimentary On The Money 5-Step Retirement Review by calling 1.800.245.0546 - Check out our website: Group 10 Financial/ - Follow us on Facebook - Follow us on Twitter Disclaimer

David Bach’s goal in life is to inspire a million women to be smarter with money. He’s the co-founder of AE Wealth Management, which oversees over $4 billion in assets, as well as the author of Smart Women Finish Rich, a word of mouth phenomenon that has sold over 1 million copies and is now entering its 63rd printing. Unlike many financial books, it’s a nice, neat package that’s easy to understand - and one that I keep around for women and couples who are looking to learn how to create a secure retirement. It’s also a vital resource, as $39.6 trillion of the world’s wealth is now controlled by women, and that number is estimated to rise to $72 trillion as soon as 2020. David is a very special guest and a great friend. I’m excited to have him on the podcast to talk about the recently updated edition of his book, the life lessons he learned from his self-made millionaire grandmother, and the unique challenges facing women in retirement. For both women facing retirement and the financial planners who might want to work with them, it’s a must listen. Get Today's Show Notes! To get access to today's show notes, including transcript, audio, and links to resources mentioned, visit RetireWithPurpose.com/17 Sign Up to Casey's Weekend Reading Email! Sifting through the copious amount of conflicting financial advice and retirement information can be daunting - but it doesn't have to be! Each week, Casey makes it super easy. He hand-picks 4 of the most important articles you need to read, that are beneficial to you whether you're at, near or in retirement! If you want them sent straight to your inbox, sign up today by visiting RetireWithPurpose.com/weekend-reading   Disclosure:  Investment Advisory Services may be offered through Howard Bailey Securities, LLC, a registered investment advisor. Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and CFP® (with flame design) in the U.S., which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements. The CLU® mark is the property of The American College, which reserves sole rights to its use, and is used by permission. Howard Bailey Financial is a registered trademark of Howard Bailey Financial. All rights reserved. Howard Bailey does not offer legal or tax advice. Please consult the appropriate professional regarding your individual circumstance. Not associated with or endorsed by the Social Security Administration or any other government agency. 

David Bach is one of America’s favorite financial professionals. He is the author of The Automatic Millionaire and eight other consecutive – NEW YORK TIMES bestselling books. In total, his books have sold over 7 million copies. We’re really excited to have him here today exclusively to learn about his mega-bestseller, Smart Women Finish Rich.

What are the five critical things every woman needs to know about money? Do women face unique challenges when it comes to managing money? What's changed for women and money over the last 20 years? Host Jordan Goodman talks with international best selling author David Bach about women, money, retirement, working with a financial advisor, and much more. 'Smart Women Finish Rich', Bach's mega best seller, has been re-released with updated content and recommendations for today's economic realities. Great content for any woman looking to manage money and build security and wealth.

What are the five critical things every woman needs to know about money? Do women face unique challenges when it comes to managing money? What's changed for women and money over the last 20 years? Host Jordan Goodman talks with international best selling author David Bach about women, money, retirement, working with a financial advisor, and much more. 'Smart Women Finish Rich', Bach's mega best seller, has been re-released with updated content and recommendations for today's economic realities. Great content for any woman looking to manage money and build security and wealth.

Women face unique financial challenges that men will likely never encounter. Consider that at retirement women have a third less in retirement savings than their male counterparts. That’s typically because women earn less and work less over their lifetime compared to men. In the 20th edition of “Smart Women Finish Rich,” author and Co-Founder of AE Wealth Management, David Bach sounds the alarm for women to alert them to this issue and incentivize them to make changes. Here are the takeaways: 80 percent of men die married; 80 percent of women die widowed. The average age that women are widowed is 59. That means women need to be better prepared financially for life on their own in old age. First steps first, couples need to share their financial information. Men need to let them know about any and all 401(k) plans, insurance policies, bank accounts. That information will be critical for women who may be on their own for the first time in their lives. Now’s the time to be conservative. Stocks (if you reinvest dividends) are up 400 percent since the end of the financial crisis in 2009. Take a listen to the podcast! Follow me on Twitter @gerriwillisFBN and on Facebook, where my handle is GerriWillis. You can also find me on Instagram at Gerri_Willis. Bottom line, I want to hear from you! What money issues do you want to explore? Tell me and we will get it on the podcast. Have a great day and remember, Rich is NOT a Four-Letter Word! If you enjoyed this podcast, leave a review!

David Bach is one of America’s favorite financial experts. He’s been teaching America about money on Oprah, the Today Show, CNBC, Fox, CBS, and just about everywhere else. Tony Robbins has gone so far as to call him “the financial expert you need when you’re intimidated by your finances.” He’s also a 9-time New York Times bestselling author – having sold over 7 million books. His latest is a newly updated and expanded 20th anniversary edition of his first book, Smart Women Finish Rich, which has been completely expanded and updated for today’s woman - and today’s world. Today, David joins the podcast to share his own journey, talk about how to make your financial dreams come true, why being a morning person has been so critical to his success, and much more… To get access to the full show notes, including transcript, audio, and links to resources mentioned, visit HalElrod.com/236

On this episode we interview New York Times Best-Selling Author David Bach! David has been in the financial industry for nearly 3 decades and is the author of nine best-selling books, including The Automatic Millionaire, Smart Women Finish Rich and Smart Couples Finish Rich. He’s also been a guest on the Oprah Winfrey show several times and is considered one of America’s most trusted financial experts. On this Podcast we talk with David about his take on the Stock Market and what the future may hold and how to prepare for it. Resources In Today's Episode: - Schedule Your Complimentary On The Money 5-Step Retirement Review by calling 1.800.245.0546 - Check out our website: Group 10 Financial/ - Follow us on Facebook - Follow us on Twitter Disclaimer

Check out the 7 ways I paid off $10K in medical bills while not working or driving. Paying off all my medical bills was the first step of my 'born again' debt free journey. That's right! I've been here before paying off all debt then jumping back in years later like an idiot, but no more. It's sticking this time! Books I've read and re-read lately that will also help you in your financial journey are The Automatic Millionaire by David Bach and Smart Women Finish Rich, also by David. These books helped me get my whole life together within a very short period of time. If you have questions that you want addressed on the podcast then email, info@cindricka.com. For help with your journey or to schedule a coaching session, visit www.cindricka.com.

One thing is for sure. Going through a divorce is overwhelming. It is a heavy, arduous thing to go through. And the question that floods our mind is, “What do I do now?” The first step I always tell my clients is to identify your strengths. When you do, you can use your strengths as leverage and tackle this situation in a more logical and empowered way. There are two key factors when seeking financial knowledge. Get acquainted with the facts of your specific situation Become familiar with financial terminology With these two things in mind, we can get started on what course to take on this journey. If you are looking for a book to read on this topic, I highly recommend grabbing a copy of Smart Women Finish Rich by David Bach. If you are curious to know your strengths, you make take the Strength Finder 2.0 assessment online. --- In the meantime, be sure to reach out if you would like to connect personally with The Women’s Financial Wellness Center. You can visit our website at https://www.womensfinancialwellnesscenter.com or grab a complimentary 30-minute consult at http://bit.ly/dashboardwfwc.

Ever wonder what financial mistakes your favorite financial gurus have made? Seven time New York Times bestselling author David Bach joins us (Automatic Millionaire, Smart Women Finish Rich) and shares his financial horror stories about credit cards and early life money problems. Plus, he'll tell true stories about borrowing money from his children, asking his dad for money help, and more! In our headlines segment, we discuss the recently deceased lead singer of Linkin Park's will. What should you include in your will? David Bach will help Joe & OG with the answer. We'll also tackle a headline about sharing. When is it okay to share your salary with others? Not surprisingly, your age seems to be a factor in your answer to that question.  We'll of course have more from the world of financial planning, throw out the Haven Life line to a few lucky listeners in our live audience. We answer questions about stock market risk, life insurance, and paying down your mortgage.  Huge thanks to Roofstock (check out their massive real estate database) and MagnifyMoney.com (when you're comparing financial tools like credit cards and savings accounts) for helping us with today's show. 

On today’s Marketing Speak, we are going to workshop PR strategies and processes with world recognized publicity expert Heidi Krupp-Lisiten. She is the Founder of Krupp Kommunications or K2 located in Manhattan. We’d all like to have more publicity and a bigger audience. Reaching this goal may seem difficult, but a huge part of it boils down to workshopping the answers to three relatively simple questions: who cares, so what, and finally, why me? If you aren’t clear on how to answer these questions, or know why they’re so significant, tune into this episode. Find Out More About Heidi Here: Krupp Communications Heidi Krupp on LinkedIn Krupp Communications on Instagram @KruppKomm on Twitter @Heidi_Krupp on Twitter In This Episode: [01:40] - Heidi talks about how to get coverage and appear in the media. She suggests starting by clarifying your story and message. [03:49] - We learn that Heidi considers herself a strategist, not a publicist. [05:56] - Heidi clarifies the three questions she has just mentioned: Who cares? So what? And why you? She then workshops this process with Stephan, offering an example of listeners for how they should go about addressing the questions. [11:09] - Heidi’s advice to Stephan is to be more forthcoming about the great work that he has done, for example by providing data on his books and by being clear about the clients he has helped. [14:22] - Stephan recaps the lessons that Heidi has just covered to make them clear for listeners. [15:36] - We learn about Heidi’s “know me, like me, trust me, buy me” philosophy, and how they tie into what she has been talking about. [17:57] - If your domain is available as a .com, that’s the one you should get, Stephan points out. He explains why this is important. [19:55] - Heidi talks more about taglines, specifically using the example of David Bach, the author of Smart Women Finish Rich. [23:09] - Stephan recommends an earlier episode with Ephraim Olschewski about building relatedness and closing seven-figure deals. [24:42] - Did Heidi come up with the “debt diet” concept and pitch it? How did all that work? [29:05] - Stephan takes a moment to rave about Heidi’s talent and skill in being a strategist based on the story she has just shared. [30:53] - Heidi has known Tony Robbins for over two decades, she reveals. She then talks about her experiences with him. [34:57] - Stephan talks about his personal transformation and the fact that he met his wife thanks to Tony Robbins. He also recommends his other podcast, The Optimized Geek. [35:33] - We hear about Heidi’s determination to connect Oprah with Tony Robbins, and how fulfilled she felt when the two connected. She then talks about being conscious about choosing clients who are the right fit for her. [40:03] - Heidi discusses her role in the Chicken Soup for the Soul 20th Anniversary Edition, and the feeling of seeing her name on the cover of a book. [42:50] - What has that book done to change Heidi’s business and career? [44:40] - Stephan draws out a lesson for listeners, which is that anything is possible. [46:07] - Heidi and Stephan go through another brainstorming exercise, which is figuring out what angle Heidi would pitch to get on Good Morning America for her role with the recent Chicken Soup book. [50:00] - Stephan brings us back to the angle of pitching Good Morning America. [52:00] - How can people get in touch with Heidi if they want to hire her? Links and Resources: Krupp Communications Heidi Krupp on LinkedIn Krupp Communications on Instagram @KruppKomm on Twitter @Heidi_Krupp on Twitter Weight Watchers Tony Robbins Brendon Burchard The Art of SEO by Stephan Spencer BuyDomains.com HugeDomains.com David Bach Smart Women Finish Rich Neil Strauss Ephraim Olschewski on the Optimized Geek Pay It Down! by Jean Chatzky The South Beach Diet by Arthur Agatston Unlimited Power: A Black Choice by Tony Robbins and Joseph McClendon The Optimized Geek About Optimized Geek Chicken Soup for the Soul 20th Anniversary Edition Loren Slocum on Marketing Speak  

“If you can align your money with your values, you can become unstoppable.” – David Bach A recent study from the Federal Reserve showed that nearly half of Americans are unable to cover an unexpected $400 expense. Why are so many people in such dire financial shape? In this episode, Brian Buffini interviews financial expert and best-selling author, David Bach, to get to the root of financial illiteracy and reveal what people can do to save more of what they make. You’ll learn why it’s essential to align your money with your values, especially when you’re married; how to prepare for financial security after a spouse passes away; and more about the blueprint for automating your finances. Bach also explains “The latte factor” and passes along some gems of financial wisdom from his grandmother. It’s not too late to take control of your financial future and become a millionaire, and by the end of this episode, you’ll be inspired to do just that.   Inspirational quotes from today’s interview: “It’s not about giving up your latte. It’s about rethinking money in your life and realizing that five to ten dollars a day is enough to change your life.” – David Bach “When you own it, you get paid by everybody.” – David Bach “We’re drowning in information, but we’re starving for wisdom.” – Brian Buffini “If you can align your money with your values, you can become unstoppable.” – David Bach “When couples plan together, they win together.” – David Bach   Mentioned in the episode: Smart Women Finish Rich by David Bach Smart Couples Finish Rich by David Bach The Automatic Millionaire by David Bach How to Win Friends and Influence People by Dale Carnegie   Connect with Brian Buffini http://www.brianbuffini.com Facebook: https://www.facebook.com/brianbuffini Twitter: https://twitter.com/brianbuffini Buffini Show Insiders: http://www.thebrianbuffinishow.com/insiders Love what you heard? Share it with your friends! http://bit.ly/BrianBuffiniShow Click here to buy our Podcast theme music, “The Cliffs of Moher” by Brogue Wave. http://www.broguewave.com http://www.facebook.com/broguewave

David Bach, author of Smart Women Finish Rich, talks about the “latte factor” and why women need to be in control of their finances. And is it too late to plan for retirement? Find out more on your favorite personal finance show.

Listener Questions - How to Get a Spouse on the Same Page; Broker/Dealers And now for listener questions... From Jacob: Hi Linda! I just wanted to thank you. I have listened to your first 20 podcasts and I am a believer.  I am a hairstylist, and I give quality service for a dollar store price, and I have been pretty unsuccessful. Your podcasts have been helpful for helping me understand why. I'm developing a brand and your information has been so helpful. The next thing I do today is to give you a 5 star rating on iTunes. Thank you thank you thank you! I also want to know, how to get a spouse on board with becoming wealthy? My personal mentoring clients have struggled with this. 1. The first thing I do is explain the difference between how women and men invest. Men comfortable with risk, women like security. You're already at odds! He wants to grow the money, she wants to protect the money. A woman's #1 fear is being homeless. So the nest - your home - is important. BTW, I believe that’s why women usually want to keep the home after a divorce, which is not always a good thing to do. 2. Get on a common page with what you want. Couples often don’t discuss their long term goals. Are you wanting a second home? To retire at the beach? To play golf? Ski? Agree on what you can agree on and work on compromising on the things you can’t agree on. 3. Spender vs. saver One spouse is free with money, one is more careful. Set your priorities for your money. Put retirement high up - go to podcast #122 & #123, "Prioritize your money" and "Spending, saving and investing for retirement." 4. Agree to move homes infrequently. Make a long term plan for your home. Don’t buy a condo downtown and then move to the suburbs to have a child, unless you can stay there 20 years. 5. Have a date night. David Bach suggested it in the book, Smart Women Finish Rich. Discuss your goals for money. Get on the same page! 6. Allow for “dream” items. She may want an expensive handbag. He may want an expensive Italian bike. Put gift budgets for 3 holidays (birthday, anniversary and Christmas or Hanukkah) together. Keep one eye on spending today and one eye on tomorrow. Next question... From Celine: Linda, thank you so much for sharing your knowledge and experience about wealth, I find your podcast very educational and easy to follow for people with different backgrounds. so thank you and please keep up the great work! I wanted to ask if you could recommend the best 2-3 banks/brokers/investment services where to open an IRA? I know you don't endorse products or companies but I hope it's ok to ask if you can advise on what you've seen working best for IRAs. Thanks so much! IRA is like an envelope and you put investments inside. My 3 favorite brokerage firms: Fidelity Schwab Scottrade vs. Vanguard investment company. May limit your investment choices. Next question... Linda - your introductory jingle is horrible! Please get something more age appropriate and gender neutral. Ha ha! It’s intentional. It’s for your positivity and as an affirmation to have a rich life. The idea is to have you repeating the words over and over as a mantra. Repetition creates new neuropathways in your brain and changes your subconscious beliefs. It’s intentional for your wealthy mindset. The singer/songwriter of LIFE, Beckah Shae, gave me permission to use it and I love it. I hope you do too - eventually!

Today I'm very pleased to welcome David Bach to the show. David is the author of several books on achieving your financial goals, and doing so while reducing stress along the way. With titles including Automatic Millionaire, Smart Women Finish Rich, and Smart Couples Finish Rich, David has become an absolute authority on choosing yourself first. Or as he says, "Pay yourself first." With financial troubles being the leading cause of friction and divorce amongst couples, David has found several key ways that families can manage their finances easier. Steps couples can take to improve their financial lives include: *Talking about small purchases more often. *Twice a year, work with your spouse or a financial advisor to monitor your personal financial statement. *Have a vision for your financial future. This clarifies every decision you make in your financial life. David is a big advocate of "The Latte Factor" and doing small things to save money every day. This helps people overcome the biggest obstacle to better financial behaviors: getting started. Whether you're an entrepreneur or an intrapreneur, the thing you can do that will have the most effect on your financial path is to increase your income. For entrepreneurs, this means increasing your rates. If your services are indispensable to current customers, they will gladly pay a higher rate. If you're working within a company, getting a raise on a regular basis is the way to go. Be valuable to your employer and they will gladly reward you. The digital economy and the passing recession have given us a unique opportunity to reinvent ourselves. While many people are having to do this at an older age, David has a few key actions people can take to get on this road, even if it's later in life: *Spend Less. *Setup an automatic saving plan. Pay yourself first and allow compounding to do its magic. *Meditate regularly. *Journal immediately after you meditate. *Focus on what is making you unhappy, AND what you can do to help make you happier. Links and Resources Mentioned in the Show:            *To access more of David's insights on how to be successful at managing your finances, head to Smart Couples Live- Enter coupon code "tour"           *You can learn more about David and his works on FinishRich.com           *Follow David on Twitter at @AuthorDavidBach   If you're looking for a financial planner, David and his team at Edelman Financial Planning can help you reach your goals ------------What do YOU think of the show? Head to JamesAltucherShow.com/listeners and fill out a short survey that will help us better tailor the podcast to our audience!Are you interested in getting direct answers from James about your question on a podcast? Go to JamesAltucherShow.com/AskAltucher and send in your questions to be answered on the air!------------Visit Notepd.com to read our idea lists & sign up to create your own!My new book, Skip the Line, is out! Make sure you get a copy wherever books are sold!Join the You Should Run for President 2.0 Facebook Group, where we discuss why you should run for President.I write about all my podcasts! Check out the full post and learn what I learned at jamesaltuchershow.com------------Thank you so much for listening! If you like this episode, please rate, review, and subscribe to "The James Altucher Show" wherever you get your podcasts: Apple PodcastsiHeart RadioSpotifyFollow me on social media:YouTubeTwitterFacebookLinkedIn

Today I'm very pleased to welcome David Bach to the show. David is the author of several books on achieving your financial goals, and doing so while reducing stress along the way. With titles including Automatic Millionaire, Smart Women Finish Rich, and Smart Couples Finish Rich, David has become an absolute authority on choosing yourself first. Or as he says, "Pay yourself first." With financial troubles being the leading cause of friction and divorce amongst couples, David has found several key ways that families can manage their finances easier. Steps couples can take to improve their financial lives include: •Talking about small purchases more often. •Twice a year, work with your spouse or a financial advisor to monitor your personal financial statement. •Have a vision for your financial future. This clarifies every decision you make in your financial life. David is a big advocate of "The Latte Factor" and doing small things to save money every day. This helps people overcome the biggest obstacle to better financial behaviors: getting started. Whether you're an entrepreneur or an intrapreneur, the thing you can do that will have the most effect on your financial path is to increase your income. For entrepreneurs, this means increasing your rates. If your services are indispensable to current customers, they will gladly pay a higher rate. If you're working within a company, getting a raise on a regular basis is the way to go. Be valuable to your employer and they will gladly reward you. The digital economy and the passing recession have given us a unique opportunity to reinvent ourselves. While many people are having to do this at an older age, David has a few key actions people can take to get on this road, even if it's later in life: •Spend Less. •Setup an automatic saving plan. Pay yourself first and allow compounding to do its magic. •Meditate regularly. •Journal immediately after you meditate. •Focus on what is making you unhappy, AND what you can do to help make you happier. Links and Resources Mentioned in the Show:            •To access more of David's insights on how to be successful at managing your finances, head to Smart Couples Live- Enter coupon code "tour"           •You can learn more about David and his works on FinishRich.com           •Follow David on Twitter at @AuthorDavidBach If you're looking for a financial planner, David and his team at Edelman Financial Planning can help you reach your goals See omnystudio.com/listener for privacy information.

Wall St for Main St interviewed personal finance guru,author, founder of FinishRich.com and Vice President of Edelman Financial, David Bach. In this podcast, David goes into depth about the reasons why couples fight about fight and how it fix it. We also discussed how couples can plan for retirement and the common mistakes they would make.Be sure to check out David's web site at http://www.edelmanfinancial.com/ and www.finishrich.com A nine-time New York Times best-selling author with eleven national bestsellers, David Bach has helped millions of people around the world take the actions necessary to live and finish rich. He is a regularly featured financial expert in the media and has contributed to and appeared on multiple shows, including The Oprah Winfrey Show and NBC’s Today Show. He has also been profiled for his expertise in major publications and has produced and hosted public television specials, including Smart Women Finish Rich and Start Late, Finish Rich, as well as was the former host of The FinishRich Minute and Finish Rich with David Bach.