Podcasts about spend less

On this episode of Appointed, Kim speaks with Dr. Jiaying Zhao, Associate Professor, Canada Research Chair in Behavioral Sustainability and Sauder Distinguished Scholar at the University of British Columbia. Dr. Zhao speaks about her incredible research into how resource scarcity impacts human cognition and behaviour.  Kim and Dr. Zhao discuss Dr. Zhao's 2023 study which found that one-time, unconditional cash transfers of $7,500 to people living in poverty reduced homelessness in Vancouver. Dr. Zhao explains her work modelling the cost of a guaranteed livable basic income (GLBI), and her findings that a GLBI would go a long way to allowing people to rebound in tough economic times and help to eliminate poverty and homelessness, in addition to costing less than half of the $92B currently spent every year on measures that keep people in poverty.To learn more about Dr. Zhao's research, please visit her Behavioral Sustainability Lab or her website at the University of British Columbia. You can read more about the unconditional cash transfer study here.More information about the work being done in British Colombia to address poverty and other social challenges can be found at Foundations for Social Change.More information about our initiatives to assist governments to Spend Less on Poverty & More in People can be found at https://senpate.sencanada.ca/en/current-work/s-233/.

Think luxury travel is out of reach? Think again. In this episode, I'm joined by Megan Lanford, travel rewards coach and host of the Points to Paradise podcast, who breaks down exactly how she went from barely affording one vacation a year to taking six luxury trips annually—saving over $20,000 a year—using credit card points. We talk through the step-by-step process of travel hacking, including the smartest cards to use, how to avoid debt, and how to earn major sign-up bonuses that can cover full vacations. Megan shares how she shifted from a scarcity mindset to an abundant life full of travel, family memories, and five-star experiences—without breaking the bank. If you've got travel on your vision board but your budget hasn't caught up yet, this episode is full of doable strategies to get you flying first class faster than you think. What You'll Learn in This Episode: ✅ How Megan went from saving for one trip a year to traveling six times annually for free ✅ Why you should stop using your debit card and use strategic travel credit cards instead ✅ The #1 travel rewards mistake most people make ✅ How to maximize sign-up bonuses and earn free vacations fast ✅ Tools and apps that make managing multiple cards simple ✅ How to travel with toddlers without losing your mind (or your bags!) ✅ Why abundance in travel can shift your entire money mindset Resources & Links:

What if financial freedom isn't about earning more—but needing less? Many people chase bigger salaries and more possessions, only to feel stressed and stuck in a cycle of spending. Financial minimalism is the key to breaking free! It's not about deprivation—it's about spending intentionally on what truly matters. In this episode, we'll uncover the hidden costs of excess spending, how to simplify your financial life, and easy steps to achieve more freedom with less. Listen now and start living wisely. Stay Chink Positive! Hosted on Acast. See acast.com/privacy for more information.

See if you qualify for a free Contractor Dynamics marketing auditIn this episode of The Nailed It! Show, Sydney Vasquez, Marketing Director at Contractor Dynamics, breaks down how roofing companies can spend less and get better results from their marketing in 2025. After analyzing hundreds of marketing budgets from roofing contractors nationwide, Sydney reveals exactly where waste is hiding - and how to reallocate your marketing dollars for maximum ROI.She dives into budget percentages, the balance between lead generation and brand awareness, the importance of data tracking, and why you're missing out if you're not using free platforms like social media. Whether you're trying to grow or tighten up for profitability, this episode is packed with actionable insights.Key Takeaways:

Does writing your emails, blogs, or launch copy take forever? A. You're not alone. B. You don't have to keep drowning in drafts and decision fatigue!In this episode, Branda shares her favorite ways to speed up the writing process without sacrificing quality. Whether you love writing but don't have the time, or you dread staring at a blinking cursor, you'll walk away with easy-to-implement ideas that help you write smarter, faster, and with way less stress.Tune in as Branda discusses:The power of planning ahead and creating a content roadmapHow to get quick feedback so you stop second-guessing yourselfWhy repurposing old emails is one of your biggest time-saversTools and tactics like speech-to-text and writing buddiesWhen to consider outsourcing or hiring help for your copyMentioned in the Episode:Join The Copy Huddle Membership (Use code PODCAST for $50 off your first month of The Copy Huddle): www.therelevantcollective.com/the-copy-huddleJoin the Free Email Roadmap Challenge:www.therelevantcollective.com/email-gps-waitlistExplore Copywriting Services: www.therelevantcollective.com________________________________________CONNECT WITH MELANIE:www.duxburydigital.cowww.instagram.com/duxburydigitalCONNECT WITH BRANDA:www.therelevantcollective.comwww.instagram.com/therelevantcollective

It doen't matter how much food costs, we still have to buy it and it's easy to overspend on our grocery bill or eating out. In this episode, I share 8 strategies to cut back on your food bill that you can try immediately. 

HI Dear Friends, It's like I'm on a Nantucket Sleigh Ride since seeing the last evening performance of the Met Opera's performance of Moby Dick.  Visually it is astounding. The thrill of going to Lincoln Center and hearing some recognizable scenarios I was reminded of the fond memories I have of reading from Moby Dick aloud during the pandemic.  I've recorded again a few paragraphs of the Chowder chapter I just love and the thought to share my youtube link for one of my Signature dishes, Ocean State of Mind Clam Chowder. https://www.youtube.com/watch?v=DW7Dezumy5Y&t=12s COOK MORE, SPEND LESS, YOU'LL FEEL BETTER

Regulations that impact the way we farm can be a concern for many. However, this farmer has been living with increased regulations for many years, and he shares what he's learned and how it’s impacted the way he farms. His experiences have him giving his thoughts with many farm groups and we visit with him on this edition of our show. See omnystudio.com/listener for privacy information.

In this episode of The End in Mind, I sit down with Megan Lanford, a travel expert who helps families take multiple vacations a year—without breaking the bank. As a stay-at-home mom, Megan went from struggling to afford one trip a year to traveling six times a year and saving over $20,000 annually by leveraging credit card points. Now, she's on a mission to help other women do the same. We dive into: - How to travel for free using credit card points—without falling into debt - The best beginner-friendly credit card for travel rewards - How Megan's clients have booked first-class flights, all-inclusive resorts, and even cruises practically for free - How business owners can maximize travel points using business credit cards for even bigger savings - If you've ever thought traveling is too expensive—this episode will change your perspective. Where to Find Megan: - Instagram: pointstooparadise - Free Guide: https://pointstooparadise.kit.com/b04dc62874 - Travel Points Academy: https://points-too-paradise.teachable.com/p/pointstooparadise *Loved this episode?* Tag us on social media and share your dream destination! If you're ready to start traveling smarter, grab Megan's free guide and take the first step toward your next adventure! Learn more about your ad choices. Visit megaphone.fm/adchoices

Governor Landry laid out his budget for the next fiscal year. We talk with Daniel Erspamer from the Pelican Instituteabout it

Whether you've visited Iceland before or you're planning your dream trip, you've likely noticed that prices here are higher when compared to many other countries. From groceries and restaurants to accommodations and activities, Iceland's cost of living and travel expenses can be a shock to the wallet. But why is that the case?I'll break down the key reasons behind Iceland's high prices, including geographic isolation, the dominance of a few large companies, high taxes and import duties, a small population, and the impact of tourism.Plus, I'll be sharing details on my upcoming live webinar, “Iceland on a Budget: 30 Ways to Spend Less and Travel Smart,” where I'll give you actionable tips to help you maximize your experience in Iceland without breaking the bank. Let's get into it! 1. Geographic Isolation Iceland's remote location in the North Atlantic significantly impacts its economy. With no land connections to other countries, all goods must be transported by air or sea. This means higher shipping costs, which are passed on to consumers. Everyday essentials like food, clothing, and electronics come at a premium because of the logistics involved in getting them to the island.For example, grocery stores like Bónus and Krónan import a large percentage of their products, leading to higher-than-average food prices compared to mainland Europe or the U.S. A simple item like a gallon of milk can cost around 900 ISK ($6.99 USD).The cost of fuel is also steep and can be as high as 330 ISK ($2.33 USD) per liter or about $8.85 a gallon, partly due to import costs and high taxes. This geographic isolation extends to supply chains for restaurants and retail, where prices reflect these transportation challenges. 2. High Taxes and Import Duties Iceland has some of the highest taxes in the world, and these contribute significantly to the high cost of goods and services. The standard Value Added Tax (VAT) rate is 24%, with a reduced rate of 11% on certain goods like food and books.However, even with the reduced VAT, prices remain high. Import duties on certain items, such as clothing and electronics, add even more costs. For example, a pair of Levi's jeans that might cost $60 in the U.S. can easily be $120 in Iceland due to taxes and import fees.Cars are also heavily taxed, with import duties, VAT, and registration fees sometimes doubling the cost compared to other countries. This means that even everyday expenses like transportation, dining out, and shopping feel significantly more expensive. 3. Market Dominance by Few Companies Iceland's small economy means that a handful of companies dominate key industries, limiting competition and keeping prices high. The food retail sector, for instance, is primarily controlled by Hagar, which owns Bónus, Hagkaup, and other supermarkets.This lack of competition can result in inflated grocery prices. Similarly, the telecommunications industry is led by Síminn, Nova, and Vodafone, all of which maintain relatively high service costs. The same goes for banking—Arion Bank, Íslandsbanki, and Landsbankinn dominate the financial sector, and their fees for everyday banking services can be steep compared to other countries.The lack of competition in these critical industries means that consumers have limited options, and businesses have little incentive to lower prices. Even in tourism, major players like Icelandair control air travel, which can keep flight prices elevated, especially during peak seasons. 30 Budget Saving Tips for Iceland: Travel Smart and Spend Less If you are not sure how to get the most bang for your buck in Iceland, I have something that will help you out. I'm hosting a free live webinar and you won't want to miss it! This webinar is packed with practical, money-saving strategies to help you explore Iceland without spending a fortune. Click Here to Register 4.

To make this meal couldn't take more then a 5 minutes of prep and maybe 20 mins of cooking.Highlights of this episode: Basic knife skills, grocery staples and zero, to minimal food packaging waste.Check my new website where I've posted about my upcoming WORKSHOPS Thank YOU all,Me, D.Made for you with good intentions COOK MORE, SPEND LESS, YOU'LL FEEL BETTER

Americans are looking to spend less this year compared to recent years, turning their focus over to paying off bills and debt. Dave and Debbie discuss what "no spend, low spend" means and how what you can do to lower your expenses without giving up the things you love. 

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Martijn Versteeg is the founder of Group Effort, an organisation that fosters connections & facilitates the growth of scale-up leaders through peer groups, offsites and workshops. His hot take? That product people should stop looking for the "golden nugget" of knowledge. Martijn argues that instead of seeking a single breakthrough insight, product managers should focus on consistent iteration and learning through small, incremental steps. Find Martijn on LinkedIn or check out Group Effort. Also, remember to check out the conference that he's organising, and we'll both be speaking at: Product Mastery Conference If you'd like to appear on Hot Takes, please grab a time!

I believe the best way a DJ/Producer can spend their time is improving their mixes and productions. Unfortunately, Instagram followings play a huge role in earning work in the electronic music scene. This Webinar will teach you specific techniques where you can grow your following while spending less time on Instagram.8-Week Online Course: Grow Your Instagram Following for DJs and Producers: https://buy.stripe.com/dR63eVdUD48o8SI288Price: $199 total ($25 per week)If you found this webinar helpful, consider signing up for the 8-Week Online Course that Super Progressive will be teaching from February 1 - March 16, 2025. Included in this course is the following...- A new lesson taught by Super Progressive each week. I will teach each weekly lesson multiple times per week in different time windows to accommodate the schedules of every single person who sings up for the class. - You will be added to the course's private Facebook Group and Discord where you can upload drafts of your content so Super Progressive can review it and provide recommendations for your specific content before you upload it to your channel. - You will be added to the Super Progressive Engagement Group along with other class members so we can immediately engage with your posted content which will advance its placement in Instagram's algorithm.- At the beginning of the course, Super Progressive will provide a full review of your account with specific post prompts, recommendations, and templatesIf you have any questions, please reach out to william@superprogressive.club00:00 - Intro00:50 - Contents01:28 - About Super Progressive04:00 - Mission08:45 - General Info10:44 - How Instagram's Algorithm Works18:21 - Setting Up A Professional Account20:55 - Data21:45 - Growing Your Audience38:45 - Time Saving Techniques47:20 - Collaboration Posts52:16 - Caption Writing56:49 - Video Editing1:07:13 - Summary1:10:06 - 8 Week Online Course1:14:35 - Q&A

15 Tips for Growing Cheaper Food. Learn how to save money growing your own food. Vegetable Master Class: https://youtu.be/-8FhheT3TlI?list=PLq7hmpP9i05QoJeccZYdnC0axOkKGVptY 10 Best Vegetables for Beginners: https://youtu.be/RaVcyP8uKf8?list=PLq7hmpP9i05QoJeccZYdnC0axOkKGVptY Germinate Any Seed Part 1: https://youtu.be/OcRqTvP2H6o&list=PLq7hmpP9i05Ska3k7gaBCvNCT9gN_tYaj Start Eating Hostas: https://www.gardenmyths.com/grow-harvest-eat-hosta/

David, Sue and Kendra realize they overspend on ridiculous things and need to tone it down.

We're bringing back an audience favorite to help you reflect on your financial habits as we head into the new year! In this episode, we explore how minimalism can transform the way you think about money. Learn how simplifying your life can lead to smarter spending, less financial stress, and more freedom to focus on what truly matters. If you're ready to align your finances with your values and start the year with intention, this episode is for you!   January Declutter Event: https://123minimize.com/events   Quick Start Guide https://123minimize.com/products/p/quick-start-guide   Minimalist Shopping Tips https://123minimize.com/products/p/minimalist-shopping-tips   Minimalist Mom FB Group https://www.facebook.com/groups/123minimizegroup   123 Minimize FB Page https://www.facebook.com/123minimizepage   Website https://123minimize.com

Summary There's a near consensus that EA needs funding diversification but with Open Phil accounting for ~90% of EA funding, that's just not possible due to some pretty basic math. Organizations and the community would need to make large tradeoffs and this simply isn't possible/worth it at this time. Lots of people want funding diversification It has been two years since the FTX collapse and one thing everyone seems to agree on is that we need more funding diversification. These takes range from off-hand wishes “it sure would be great if funding in EA were more diversified”, to organizations trying to get a certain percentage of their budgets from non-OP sources/saying they want to diversify their funding base[1][2][3][4][5][6][7][8] to Open Philanthropy/Good Ventures themselves wanting to see more funding diversification[9]. Everyone seems to agree; other people should be giving more money to the EA projects. The Math  Of course, I [...] ---Outline:(00:34) Lots of people want funding diversification(01:11) The Math(03:47) Weighted Average(05:03) Making a lot of money to donate is difficult(09:18) Solutions(09:21) 1. Get more funders(10:35) 2. Spend Less(12:49) 3. Splitting up Open Philanthropy into Several Organizations(13:52) 4. More For-Profit EA Work/EA Organizations Charging for Their Work(16:23) 5. Acceptance(16:59) My Personal Solution(17:26) Conclusion(17:59) Further Readings--- First published: December 27th, 2024 Source: https://forum.effectivealtruism.org/posts/x8JrwokZTNzgCgYts/funding-diversification-for-mid-large-ea-organizations-is --- Narrated by TYPE III AUDIO.

Summary There's a near consensus that EA needs funding diversification but with Open Phil accounting for ~90% of EA funding, that's just not possible due to some pretty basic math. Organizations and the community would need to make large tradeoffs and this simply isn't possible/worth it at this time. Lots of people want funding diversification It has been two years since the FTX collapse and one thing everyone seems to agree on is that we need more funding diversification. These takes range from off-hand wishes “it sure would be great if funding in EA were more diversified”, to organizations trying to get a certain percentage of their budgets from non-OP sources/saying they want to diversify their funding base(1,2,3,4,5,6,7,8) to Open Philanthropy/Good Ventures themselves wanting to see more funding diversification(9). Everyone seems to agree; other people should be giving more money to the EA projects. The Math  Of course, I [...] ---Outline:(00:07) Summary(00:29) Lots of people want funding diversification(01:10) The Math(03:46) Weighted Average(05:02) Making a lot of money to donate is difficult(09:17) Solutions(09:21) 1. Get more funders(10:34) 2. Spend Less(12:48) 3. Splitting up Open Philanthropy into Several Organizations(13:51) 4. More For-Profit EA Work/EA Organizations Charging for Their Work(16:22) 5. Acceptance(16:58) My Personal Solution(17:25) Conclusion(18:01) 1 I was approached at several EAGs, including a few weeks ago in Boston to donate to certain organizations specifically because they want to get a certain %X (30, 50, etc.) from non-OP sources but I'm sure I can find organizations who are very public about this(18:20) 2--- First published: December 27th, 2024 Source: https://forum.effectivealtruism.org/posts/x8JrwokZTNzgCgYts/funding-diversification-for-mid-large-ea-organizations-is --- Narrated by TYPE III AUDIO.

Happy Holidays! Please enjoy this Best Of episode. Clark returns January 3rd. Clark recommends renting in a new city or state before you buy there, and has a great example of why to share with you. Also, Clark is very happy to report that the used clothing market is growing 7 times faster in the U.S. than the new market. Buying used is a great way to Spend Less! Rent Before Buying In New Locale: Segment 1 Ask Clark: Segment 2 Secondhand Clothing A WIN: Segment 3 Ask Clark: Segment 4 Mentioned on the show: New York Post: Florida transplants fleeing in droves over relentless heat, damaging hurricanes The home insurance market is crumbling. These owners are paying the price The $10 Travel Essential Clark Howard Always Packs 5 Best Robo-Advisors in 2023 Who Should Use a Robo-Advisor? Secondhand clothing stores are red hot as consumers look to save money Clark.com - CELL PHONES Best Investment Companies for Investors in 2024 10 Best Free Checking Accounts in April 2024 Fidelity Investments Review 2023: Pros & Cons Team Clark Guarantee - Clark Howard Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

British philosopher G.K. Chesterton once said, “I know as much about the future as you do, which is nothing.” Only God knows the future, but that doesn't mean we shouldn't plan for it. Mark Biller is here today to help you do that. Mark Biller is Executive Editor and Senior Portfolio Manager at Sound Mind Investing, an underwriter of Faith & Finance. Today, we'll cover some key takeaways from Sound Mind Investing's recent article, “Your 10 Most Important Financial Moves for 2025,” which offers over 60 actionable tips across six categories. Let's dive into some highlights to help you plan your next year's top financial moves.1. Put First Things First: Aligning Finances with FaithDevelop a Financial Plan: A solid plan is essential for managing God's resources well. As Luke 19:13 reminds us, faithful stewards are called to “put this money to work until I come back.”Build an Eternity Portfolio: Once your family's needs are met, embrace “exponential generosity.” As your income grows, increase your giving percentage, laying up treasures in heaven (Matthew 6:20).2. Strengthen Your Financial FoundationCreate a Workable Budget: A budget—think of it as a “spending plan”—is foundational. Learn from past mistakes and focus on spending less and saving more through automated savings or retirement account contributions.Spend Less, Save More: Small changes today can bring significant long-term benefits. Adjust your spending habits to prioritize your future.3. Develop Your Investing PlanCreate a Long-Term Investing Strategy: Just as a budget helps manage day-to-day finances, an investing plan guides long-term success. Allocate appropriately and avoid making rash decisions based on political or economic changes.Stay Informed About Trends: Technological advancements, economic policies, and market changes can impact investments. Educate yourself on these trends without succumbing to speculation.4. Broaden Your PortfolioExpand Your Knowledge: Understand how global trends like AI and interest rate shifts may influence your portfolio. SMI offers resources to help navigate these complexities while maintaining a long-term focus.5. Prepare for RetirementPlan for Social Security: Deciding when to claim Social Security benefits is crucial. For most, waiting until full retirement age or later can yield greater financial benefits.Understand Medicare Coverage: Don't assume Medicare will cover all your retirement healthcare needs. Research Medigap or Medicare Advantage plans and consider alternatives like Christian Healthcare Ministries.6. Miscellaneous Must-DosStart Your Kids on Investing: Encourage young people to invest early. Fractional-share purchases and no-commission trades make it easier than ever to build long-term financial habits.Review Estate Plans: Ensure your will, power of attorney, and healthcare directives are up-to-date. Life changes and legal updates warrant a review every five years.Protect Against Tax Identity Theft: To prevent fraudulent filings, safeguard your Social Security number by requesting an IRS Identity Protection PIN.Bonus Tips for 2025Treasure Each Day: Life is fleeting—embrace each day as a gift and manage God's blessings wisely.Deepen Your Prayer Life: Discerning God's voice leads to better financial decisions rooted in faith.Manage Finances as a Team: For married couples, working together on finances can combine strengths and reduce weaknesses.As 2025 approaches, remember that your financial success hinges more on your choices than external circumstances. Faithful stewardship not only secures your financial future but also aligns your resources with God's purposes. May you aim to hear these words in Matthew 25:21: “Well done, good and faithful servant! You have been faithful with a few things; I will put you in charge of many things. Come and share your master's happiness!”For the complete list of financial moves and additional resources, visit SoundMindInvesting.org.By following these principles, you can make 2025 a year of financial health and faithfulness.On Today's Program, Rob Answers Listener Questions:I recently retired and have a 401(k) with about $47,000 in it. I don't know what to do with this money. I'd like to get some advice from a Christian perspective on how to best manage and invest this 401(k) now that I'm retired.Resources Mentioned:Understanding Reverse: Simplifying the Reverse Mortgage by Dan HultquistMoney and Marriage God's Way by Howard DaytonMovement MortgageLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Pastor Sean teaches on what and how we spend with and through ourselves in the Advent season.

MESSAGE TITLE: "Spend Less"

MESSAGE TITLE: "Spend Less"

Have you cringed recently at your weekly screen time report? Don't worry, we all have at some point, so let's talk about it… Tune into this episode to hear: Why having screentime boundaries is important & why we should care about them What happens when we aren't intentional with our screentime 5 tangible tips you can start implementing today to spend less time on your phone _____________________________________ Episode Resources:  The Finding Freedom Co. Christian Planner and Quiet Time Journals If you're looking to grow in your Christian walk amongst other women, join my free community Have a question? Email Us ____________________________________ Let's connect on social media:  Instagram YouTube Finding Freedom Instagram

Happy Thanksgiving Weekend! Please enjoy this Best Of episode. Clark returns December 2nd with new ways to Save More, Spend Less and Avoid Getting Ripped Off! Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today - The travel industry can be unstable. Another cruise line recently shut down. Know Clark's number one rule for booking travel and protecting your money. Clark Stinks: Segments 1 & 2 Travel Booking Rule: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Google Fi Wireless: My Experience as a Five-Year Customer (Pros and Cons) The Best International Phone Plans What Should You Do About Phone Data on an International Trip? American Queen Voyages Cancels All Cruises, Shuts Down Operations Best Travel Credit Cards: Top Rewards Picks for 2024 The Only Way You Should Pay for a Cruise Travel Insurance: What You Need To Know Before You Buy Why You Should Never Use a Debit Card To Pay for Anything How To Plan a Trip: Clark's Best Travel Tips To Save Money Should I Buy Additional Insurance From a Rental Car Company? Amex EveryDay® Credit Card Review: 15 Months of Intro 0% APR Credit Card Car Rental Insurance: What You Need To Know Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Happy Thanksgiving Week! Please enjoy this Best Of episode. Clark returns December 2nd with new ways to Save More, Spend Less and Avoid Getting Ripped Off! The percent of income we save, our savings rate  - is the key indicator of financial health. So how are we doing right now?  Also -  How much exercise do you really need to make a difference in your health, and ultimately your wallet?  Only 25% of Americans get the recommended amount of exercise. New data reveals what a big difference the minimum requirement can make for those who are mostly sedentary. American Savings Rates: Segment 1 Ask Clark: Segment 2 Arise From The Couch: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Americans are saving less and spending more. Could that raise the risk of recession? Bankruptcy filings are on the rise. Here's why an even bigger surge is looming. Why 'Buy Now, Pay Later' Worries Clark Howard My Credit Card Offers Some Rental Car Coverage. Why Do I Still Need To Involve My Primary Auto Insurance? Car Rental Insurance: Everything You Need To Know How Much Exercise Do You Need? More Than You Think—But Every Little Bit Helps. Donor-Advised Funds: The Benefits and Drawbacks Vanguard Charitable: Home What Is Black? Uber Black Car Service Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

On this episode of DDOD, Michela share 10 habits and rules she implements to consume LESS. In an era of overconsumption, learning how to control your spending and implementing small tactics to help stay in control of your money is essential. From the 48 hour rule ot developing hobbies, if you're looking to SPEND LESS in 2025, this is for you.

Happy Thanksgiving Week! Please enjoy this Best Of episode. Clark returns December 2nd with new ways to Save More, Spend Less and Avoid Getting Ripped Off! Clark has news for parents and grandparents saving for a child's college education. Also in this episode, reversals in the auto industry are landing many existing car loans underwater. What to do if you are upside down in a car loan. 529 Plan Update: Segment 1 Ask Clark: Segment 2 Upside Down Vehicle Loans: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Use the 529 Grandparent Loophole to Maximize College Savings Best 529 College Savings Plans By State Rollovers From a 529 Plan to Roth IRA: What to Know Target Date Funds: Clark's Favorite Retirement Investment How To Find and Choose a Financial Advisor Car values plummet, putting car loans underwater More car owners are underwater on loans because of lower trade-in values What Is Gap Insurance? Definition, How It Works, When to Buy How to Buy a Used Car in 7 Steps Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

The best entrepreneurs want better teamwork so they can achieve greater success, growth, and freedom within their business. But teamwork is even more important and valuable than that. In this episode, Dan Sullivan and Shannon Waller discuss the many ways entrepreneurs can take advantage of teamwork, and outline the extraordinary benefits that come with having great teamwork at your company.Here's some of what you'll learn in this episode:How Dan involves himself less and less with what Strategic Coach® team members are doing.Why Dan doesn't worry about how team members achieve results.What opportunities open up for entrepreneurs when they rely on team members.The greatest compliment Dan can give a team member.How Dan communicates the goals of a new project.The three questions Dan asks himself every time he gets an idea for a new achievement.Show Notes:The more you work on teamwork, the more you can refine what you're uniquely good at.It's useful to think of your entrepreneurial business as a theater production, regardless of what industry you're in.There's a vast amount of teamwork happening back stage in theater to make the whole production work.Teamwork on your projects can improve but only if you're improving too—and providing maximum support to your team members.We are taught from an early age that we have to do the work on our own goals ourselves.Instead of taking on an activity yourself, ask who can do it better than you.At the heart of it, Strategic Coach is designed to get you to think about your thinking.When you decided to become an entrepreneur, you declared to the world that you're not going to play other people's games—you're going to play your own game. By communicating clearly, you leave so much room open for teamwork.Generally, when entrepreneurs have a big possibility and they're uncertain about it, they get paralyzed.Uncertainty is not a lack of confidence. It's just a lack of knowledge or information. A lot of entrepreneurs live their lives very certain, but not confident.Don't try to sell your team on an idea until you're sold on it yourself.Resources:Unique Ability®Blog: Your Business Is A Theater Production: Your Back Stage Shouldn't Show On The Front StageBook: Who Not How by Dan Sullivan and Dr. Benjamin HardyTool: The Impact Filter™The Kolbe A™ Index

Happy Thanksgiving Week! Please enjoy this Best Of episode. Clark returns December 2nd with new ways to Save More, Spend Less and Avoid Getting Ripped Off! There's a lot of talk and concern about traditional 401(k)s and IRAs going away. Clark explains.  Also, baggage fees are rising again, increasing the cost of flying for customers. What to know before you get to the airport.  Future 401(k)s & IRAs: Segment 1 Ask Clark: Segment 2 Airline Baggage Fees: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Clark Predicts Traditional 401(k)s, IRAs Will Cease To Exist Within a Decade Do Not Give Your Social Security Number at These Places How Many Bank Accounts Should You Have? - Clark Howard 16 of the Best High-Yield Online Savings Accounts Best Investment Companies for Investors in 2024 How To Pack a Carry-On the Right Way 4 Things You Should Always Pack in Your Carry-On Best Travel Credit Cards: Top Rewards Picks for 2024 Best Cash Back Credit Cards With No Annual Fee in 2024 Should You Ever Buy Travel Medical Insurance? 6 Best Apps To Save Money on Groceries Flipp – Flyers, Shopping List, Weekly Ads | Flipp Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Hey besties! Today we have a solo Vivian yap session! We are chatting about all things Black Friday. As the holiday season starts in full swing, so does the shopping. Vivian will walk you through her own personal Black Friday shopping strategy full of tips and tricks to get the best deals. We'll also let you all in on the secret deals (or lack thereof) that these brands don't want you to know about!  Follow the podcast on Instagram and TikTok! Want more Your Rich BFF? Check out the enRICHed substack! Got a financial question you want answered in a future episode? Email us at podcast@yourrichbff.com Learn more about your ad choices. Visit podcastchoices.com/adchoices

Send us a textShelby Clement is a Woman On Top! As a former marketing exec turned founder of her own empire, Shelby is proof that you can run your business AND your life without letting social media run *you.* She's not just creating content—she's creating TRANSFORMATION.

Ralph and John dig into a case study that flips conventional marketing on its head, showing how rethinking ad spend can drive unexpected results. They explore why focusing on Media Efficiency Ratio (MER) instead of ROAS can uncover hidden opportunities for growth. Through examples and real-time analysis, they reveal strategies for reallocating budgets, cutting unnecessary costs, and achieving better outcomes. Along the way, they take live questions and break down how metrics can reshape business decisions. It's a session packed with lessons that challenge the status quo and offer a fresh perspective on smarter marketing.Chapters00:00:00 - Welcome to the Marketing Jungle: Ralph and John Unleashed00:00:49 - The Case Study So Wild It's Practically Fiction00:02:05 - Doing the Opposite: When Counterintuitive is Just Intuitive00:03:36 - ROAS vs. Reality: The Brand Campaign Smackdown00:05:52 - MER Explained: Or Why ROAS is Crying in a Corner00:08:20 - Results So Good You'll Wonder If We're Making Them Up00:10:50 - ROAS Walks into a Bar. MER Kicks It Out.00:13:00 - When Saving $7K Feels Better Than Finding $20 in Your Jeans00:15:30 - $425,000 Later: Did Google Ads Just Buy Itself Dinner?00:18:05 - Tracking the Truth: Wicked Reports and Google Play Detective00:20:45 - Why Your Ad Agency's Yacht Might Be Your Biggest Expense00:25:10 - Margins vs. Metrics: A Fight as Old as Time, But With Spreadsheets00:28:00 - Turning Ad Budgets into Revenue: Step One, Don't Panic00:30:00 - Final Marketing Lessons: Indicators, Sanity, and Why You Shouldn't Chase ROAS00:32:13 - Live Q&A: Your Questions, Our Strategy Confessions00:33:12 - Shopping Ad Secrets: Turning Standard into Stellar00:34:24 - Remarketing: When Stalking Your Customers Pays Off00:35:57 - Demand Gen or Demand "Gen-uinely Confused"?00:37:51 - Video Action Campaigns: Clickbait With a Purpose00:38:48 - Gmail Ads: Google's Expensive Postcards Nobody Reads00:41:44 - Performance Max: Where Traffic Metrics Go to Party00:45:52 - Feeder Strategies That'll Make You Feel Like a Marketing Chef00:51:33 - Competitive Metrics and Why Lead Gen Feels Like a Marathon00:57:06 - Wrapping Up: The Last Bits of Genius Before You Hit ReplayLINKS AND RESOURCES:Tier 11 on YouTubeGet Your Marketing Performance Indicators™ Checklist Now!Tier 11 JobsPerpetual Traffic on YouTubeTiereleven.comMongoose MediaPerpetual Traffic SurveyPerpetual Traffic WebsiteFollow Perpetual Traffic on TwitterConnect with Lauren on Instagram and Connect with Ralph on LinkedInThanks so much for joining us this week. Want to subscribe to Perpetual Traffic? Have some feedback you'd like to share? Connect...

We've all felt that gut punch when the rideshare fare pops up. Here are some insider tips to help you save.

Are you cutting corners just to save a buck, or are you making smart financial decisions that actually improve your productivity? In this episode, we explore the difference between being frugal and being cheap, and why it matters for your time, money, and well-being. We'll discuss practical ways to maximize value without compromising on quality […]

The holidays have evolved into a time of the year overly focused on consumerism and spending money, but we encourage you all to take back the holidays and focus on what matters the most to you! We encourage you to reconsider how you're spending the holidays and share tactical ideas to spend less on decor and gifts going into the holiday season.   In this week's podcast, we talk about: - How to spend less going into the holidays - How to take back the holidays to focus on what matters to you - DIY ideas for holiday gifts and decor - Alternative gift ideas - Experiences versus things - Upcycling and regifting and if it's okay - Setting a budget and guardrails around holiday spending - Simplifying your decor to save money - The importance of making lists and avoiding impulse shopping - Coupons and cash-back or reward sites Get the full show notes, show references, and more information here: https://www.insideoutmoney.org/078-take-back-the-holidays-8-ways-to-spend-less-this-holiday-season/

In today's episode - Clark recently saw a quote from one of the stars of “Shark Tank” about how much we waste money on daily habits, offering a new way to think about spending categories to locate areas where you can - Spend Less. Also, biometrics are clearly here to stay, and they can be a big positive for security. But what are you willing to give up, and how secure is your secure information?  Daily Spending: Segment 1 Ask Clark: Segment 2 Biometric Security: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Why You Should Keep Old Credit Card Accounts Open My 7 Rules for Using Credit Cards - Clark Howard TSA PreCheck® vs. Global Entry vs. CLEAR: Which Is Best for You? CLEAR Brings TSA Pre-Check Enrollment to 6 More Airports Why You Should Consider Applying for Global Entry Right Now Pay-Per-Mile Insurance: Is It Worth It? Mile Auto Insurance: A Firsthand Review Metromile Insurance Review: 6 Things To Know Best Airline Credit Cards for 2024: Are They Right For You? Are Airline Miles Worth It? Credit Karma Review: Free Credit Score and More at Your Fingertips How to Freeze Your Credit With Experian, Equifax and TransUnion How To Monitor Your Credit  /   How To Get a Free Credit Report Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Deeply Discounted Beta Test Cohort, Open Now through Sept 27: affordanything.com/yournextraise ____ #543: Picture this: You're at a car dealership, trying to get the best price on your dream car. The salesperson hits you with a "take it or leave it" offer. Your palms are sweaty, your heart's racing. What do you do? That's just one of the tricky situations we dive into in this episode. We're tackling seven types of hardball negotiation tactics that can trip you up in all sorts of situations - from asking for a raise to haggling at a flea market. First up, we break down the "take it or leave it" tactic. We share a real-life story of Sarah, a software developer, facing this exact situation in a job interview. You'll hear how she turned it around and got what she wanted. Next, we talk about psychological warfare. Sounds intense, right? It can be. We tell you about Emma, a graphic designer, who had to deal with a client trying to throw her off her game. You'll learn how she kept her cool and came out on top. Ever heard of the "good cop, bad cop" routine? It's not just in movies. We share a story of how this played out in a business deal and give you tips on how to spot it and handle it like a pro. Then there's the "snow job" - when someone dumps so much information on you that your head spins. We break down how to cut through the clutter and focus on what really matters. We also cover what to do when someone's holding back important info, how to spot a fake-out (when someone pretends to care about one thing but really wants another), and the sneaky "nibbling" tactic where people ask for just one more small thing... and then another... and another. For each tactic, we give you the lowdown on: - What it looks like in action - Why it works (yep, there's some psychology involved) - How you can spot it - What you can do to counter it We wrap up with a handy checklist for each tactic. Think of it as your negotiation cheat sheet. By the end of the episode, you'll have a toolkit of strategies to help you navigate tough negotiations, whether you're buying a car, negotiating your salary, or just trying to decide where to go for dinner with your friends. Remember, negotiation isn't about "winning" at all costs. It's about finding solutions that work for everyone. With the tips from this episode, you'll be better equipped to do just that, even when things get tricky. For more information, visit the show notes at https://affordanything.com/episode543 Learn more about your ad choices. Visit podcastchoices.com/adchoices

Send Us a Text MessageHave you ever missed time with your family or friends because you were up late working on producing your next podcast episode? Most podcasters can relate! But it's time to ensure this doesn't happen again! In this episode, Joe Casabona explains how you can create and implement automations into your podcast production process so you can begin to reclaim your time. Get ready to cut out 12 hours per week from your podcast production without the quality of your episodes suffering!MORE FROM THIS EPISODE: HTTPS://PODMATCH.COM/EP/295Chapters00:00 Introduction02:27 The Power of Automation and Delegation03:25 Understanding Automation07:17 Determining What Tasks to Automate or Delegate09:38 Tools for Automation and Delegation13:01 Examples of Tasks to Automate or Delegate14:53 ConclusionTakeawaysAutomation and delegation can save podcasters a significant amount of time and effort.There are four types of tasks that can be automated or delegated: common and easily repeatable tasks, infrequent but high-effort tasks, tasks that require specific timing, and tasks that can't be forgotten.By asking specific questions, podcasters can determine which tasks can be automated or delegated.There are various tools available for automation and delegation in podcasting, such as Make, Zapier, Apple's Shortcuts app, Airtable, Notion, and scheduling tools like Calendly.Tasks that can be automated or delegated in podcasting include booking guests, sending episodes for editing, publishing episodes, emailing the mailing list, creating transcripts, uploading to YouTube, creating images, social media sharing, finding clips to share, and gathering show notes.MORE FROM THIS EPISODE: HTTPS://PODMATCH.COM/EP/295

Here's why you should consider cutting ad spend during a launch. I'll break down how tracking cold and warm traffic conversions can help you strategically reallocate your budget. Plus, I'll show you how focusing on lead magnets between launches can drive better sales.Please click here to give an honest Rating/Review for the show on iTunes! Thanks for your support!Links mentioned in this episode:Book a 1:1 Meta Ads coaching call with Kwadwo!Kwadwo [QUĀY.jo] Sampany-Kessie's Links:Subscribe to The Art of Online Business's YouTube Channel Learn the 7 biggest FB ad mistakes course creators make that burn through $$$ and kill resultsSay hi to Kwadwo on Instagram

Happy 4th of July Weekend! Please enjoy this Best Of episode. Clark returns July 8th with new ways to Save More, Spend Less and Avoid Getting Ripped Off! Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also today -  Abandoned Places should NOT include your old 401(k). And big employers don't want them. So new rules place this money at risk. Clark explains what's happening now, and how to safely move your money. Don't let it slip away!  Clark Stinks: Segments 1 & 2 Forgotten 401(k)s At Risk: Segment 3 Ask Clark: Segment 4 Mentioned on the show: What Is an ABLE Account? Why Did My Car Insurance Go Up? Best Free Password Managers: 7 Top Picks How To Make Your Online Accounts Accessible When You Die Best 529 College Savings Plans By State Upside App Review: 6 Things To Know Before You Sign Up Your Old 401(k): Out of Sight, Out of Mind and Out of Money 401(k) Rollover: What You Need To Know & Options 3 Places You Should Never Invest Your Money Best Travel Credit Cards: Top Rewards Picks for 2024 Capital One Venture X Rewards Credit Card: 6 Things To Know Why Clark Thinks These Are the Best 2 Travel Rewards Cards The Platinum Card® from American Express Review Where To Buy the Best Cheap Printer Martin Luther King, Jr., National Day of Service Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Happy 4th of July Week! Please enjoy this Best Of episode. Clark returns July 8th with new ways to Save More, Spend Less and Avoid Getting Ripped Off! Because of the pandemic, many employees are entering an office environment for the first time, and companies are having to conduct special training to help them adjust. Clark has sage advice for remote workers making the transition into corporate culture.  Also today - After a period of punishing inflation, consumers are  finally in the driver's seat on prices. How? Clark explains our collective power in the marketplace.  Workplace Etiquette: Segment 1 Ask Clark: Segment 2 Consumers Rule: Segment 3 Ask Clark: Segment 4 Mentioned on the show: We don't know how to behave in the office anymore, bosses say. The solution? Charm school  Why Sharing Your Layoff Publicly Feels So Good - The Wall Street Journal. Credit Card Car Rental Insurance: What You Need To Know Hertz is selling 20,000 electric vehicles to buy gasoline cars instead A Different Kind of Price War: Grocers vs. Big Food Makers Mortgage Recasting: What It Is And How It Works Accessible Travel Website Launches Major Expansion The future of U.S. train travel is here—and it's not on Amtrak Where You Should (and Should Not) Book Your Next Vacation Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Happy 4th of July Week! Please enjoy this Best Of episode. Clark returns July 8th with new ways to Save More, Spend Less and Avoid Getting Ripped Off! Clark offers a primer on the 3 basic types of funds - Mutual, Index, and the fastest growing area of investing: ETFs. Also, there is a new rule for health insurers when you need medical preauthorization approval for treatment or a procedure. And it's about time.  Back To Basics: ETFs: Segment 1 Ask Clark: Segment 2 New Rules On Medical Preauthorization: Segment 3 Ask Clark: Segment 4 Mentioned on the show: How to Invest in ETFs for Beginners  What Is an ETF? Clark.com INVESTOPEDIA - Mutual Funds /  Index Funds /  ETFs Medicare Medical Savings Account (MSA) Plans Health Insurers Must Streamline Prior Authorization Decisions, New Rule Says - The WSJ Businesses Are Making Me Pay the Credit Card Processing Fee. Should I Pay Another Way? Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Public.com+Public Investing Disclosure: All investing involves risk. Brokerage services for US listed securities, options and bonds in a self-directed brokerage account are offered by Public Investing, member FINRA & SIPC. Not investment advice. Public Investing offers a High-Yield Cash Account where funds from this account are automatically deposited into partner banks where they earn interest and are eligible for FDIC insurance; Public Investing is not a bank.Cryptocurrency trading services are offered by Bakkt Crypto Solutions, LLC (NMLS ID 1828849), which is licensed to engage in virtual currency business activity by the NYSDFS. Cryptocurrency is highly speculative, involves a high degree of risk, and has the potential for loss of the entire amount of an investment. Cryptocurrency holdings are not protected by the FDIC or SIPC. . See public.com/#disclosures-main for more information. Learn more about your ad choices. Visit megaphone.fm/adchoices