Podcasts about spending

In this episode of Travis Makes Money, Travis and producer Eric dive into a timely discussion about leadership, public perception, and the way we judge people based on past decisions. Using the controversy surrounding reality TV star and mayoral candidate Spencer Pratt as a jumping-off point, they explore whether personal financial mistakes, media narratives, and decades-old decisions should influence how we evaluate someone's ability to lead. The conversation touches on accountability, political messaging, media influence, and the importance of looking beyond surface-level headlines. On this episode we talk about: Whether personal financial decisions predict leadership ability The difference between managing personal money and public budgets How media narratives shape public opinion during elections Why people shouldn't be permanently judged by mistakes they made in their early twenties Critical thinking when evaluating political candidates and public figures Top 3 Takeaways Personal mistakes don't always predict future performance. People can learn, grow, and develop expertise from the very failures that once defined them. Correlation isn't causation. Spending personal money irresponsibly at age twenty-two isn't necessarily evidence that someone can't effectively manage an organization or public institution later in life. Media narratives often oversimplify complex issues. It's important to evaluate claims, data, and political talking points critically rather than accepting headlines at face value. Notable Quotes "I don't think anybody wants people judging us for the decisions we made when we were twenty-two." "A lot of times that inception point can be the thing that made them go fix it and learn how to manage money better." "The opportunities come from the relationships. Opportunities are given by people." Connect with Travis Chappell: LinkedIn: https://www.linkedin.com/in/travischappell Instagram: https://www.instagram.com/travischappell Other: https://travischappell.com A Word from Our Sponsors: Today's episode is brought to you by our incredible sponsors. Their support allows us to continue delivering thought-provoking conversations on entrepreneurship, investing, personal development, and wealth creation. Be sure to check out the offers mentioned during the show and support the brands that support the podcast. - Are you ready to start your own creatorjourney and make it big? Visitwww.fanvue.com today and launch yourcareer! - To learn more about Mode Mobile and its investor community, go to https://invest.modemobile.com/travismakesmoney -Travis Makes Money is made possible by High Level – the All-In-One Sales & Marketing Platform built for agencies, by an agency.Capture leads, nurture them, and close more deals—all from one powerful platform.Get an extended free trial at gohighlevel.com/travis Learn more about your ad choices. Visit megaphone.fm/adchoices

Daniel McCaulley, P.E., is the founder of Ultimus Engineering, a faith-based engineering firm in Texas delivering MEP, aquatics, and structural engineering across 22 states. On this episode, Daniel shares what he learned from his first failed hire, how he transitioned from corporate engineering to running his own firm, and why the human side of client service matters more than ever. Key Takeaways: Remote work is a privilege, not a right. Small firms need people who understand that every hour is visible. Daniel moonlighted for two years and saved a year of living expenses before going full time. Preparation beats hope. Spending more time on engineering upfront saves money and headaches during construction. But you need the communication skills to sell that to clients. Picking up the phone, turning around quotes in 24 hours, and being accessible are the simplest ways to separate yourself from the competition. AI is a tool, not a personality replacement. If your emails sound like a robot and you sound like a human, you'll lose trust faster than you think.   Connect with Daniel McCaulley: Website: https://ultimus.engineering LinkedIn: https://www.linkedin.com/in/danielmccaulley/ Email: dmccaulley@ultimusengineering.com Phone: 214-384-7762  

On this episode, we'll be covering the Season 11 Episodes 2-3 of Love After Lockup, on these episodes, Karrington talks to back up plan London, we meet chaos agent Dia who keeps going after young guys in prison, Rich makes a terrible first impression with Felicia's family, Moo Moo successfully pulls off his first release day, Keirsten gets Brady out and gives him a real ring, and Michael finds out generally how much of his credit Kaleigh is using up. If you like what you hear, please give us a five star rating and leave a review. If you/ also watch 90 Day Fiance, you should check out our other podcast feed. You can reach us on Instagram (@90DayMmkay) or shoot us an email at 90DayMmkay@gmail.com

If you know me, then you know there was a time in my life where vacation spending felt so exciting in the moment…and so stressful the second I got home. I remember going on a girls trip to Vegas in my early 20s. Deep down, I knew I couldn't really afford the trip the way I was approaching it, but I went anyway. No real plan, no clear budget…just spending based on what felt good in the moment. And when I got back? Reality hit. I was scrambling to cover my normal expenses, including rent. That post-vacation stress didn't match the experience I thought I was creating. I thought I was enjoying my life, but what I was really doing was borrowing peace from my future self to enjoy the present. In this episode, we're breaking down the truth about vacation spending—what actually causes people to overspend, why guilt shows up so often around travel, and how to approach your trips in a way that lets you enjoy them fully without throwing your finances off track. Because guilt-free spending isn't about spending less…it's about spending with a plan.   In this episode, we discuss: Why vacation spending often leads to stress, guilt, or financial setbacks The two extremes people fall into: overspending vs over-restricting Why emotional spending is more likely during travel How to plan your vacation spending before the trip (not during it) Why deciding your experience matters more than just setting a budget How to structure your days to balance spending and enjoyment The importance of staying aware of your spending while traveling How to enjoy your trip without feeling restricted or financially anxious   This episode is especially helpful if you: Feel stressed or guilty after spending money on vacations Tend to overspend while traveling and regret it later Overthink every purchase on trips and struggle to enjoy yourself Want to travel more but feel unsure how to afford it responsibly Feel like you have to "recover" financially after vacations Want to enjoy experiences without sacrificing financial stability   Why this matters: Vacation spending isn't the problem. It's how you approach it. Most people fall into one of two patterns: they either overspend and deal with the consequences later…or they restrict so much that they can't even enjoy the experience. But there's a middle ground. When you plan ahead, decide what actually matters, and stay connected to your spending while you travel, everything changes. You stop making emotional, in-the-moment decisions and start making intentional ones. And that's what allows you to enjoy your trip fully…without coming home stressed, behind, or trying to fix your finances.   Timestamps: [02:45] Raya's past experiences with vacation spending tend to be a common scenario for a lot of women. [05:13] Don't wait until you're on the trip to start figuring out your finances. Planning ahead allows you to be proactive, instead of reactive with money. [09:00] When planning a trip, always start with the type of experience you want to have. This will help you plan spending. [12:20] There's a middle ground between being aware of what's happening with your money and spending while on vacation.   Resources Mentioned: Episode #30: Vacation Planning on a Budget Request a free money call with Raya City Girl Savings Personal Finance Portfolio Financial Focus Coaching Program   Vacation spending doesn't have to come with guilt, but it does require intention. When you plan ahead, decide what matters, and stay connected along the way, your trips stop being something you have to recover from…and start being something that fits into your life. You get to enjoy the experience and feel good when you come home…not stressed, not behind, but still in control of your money. And if you're ready to build that kind of structure and confidence with your finances (not just for vacations, but for everyday life), support and accountability can make all the difference. You can request a free money call using the link in the Resources section. You don't have to choose between experiences and financial peace. You just have to learn how to plan for both.

Don't forget to support the podcast here: https://patreon.com/garzapodcastGarza here, headbanging at Warped Tour right now. Enjoy the episode!00:00 - 90 Days of Sobriety15:36 - Spending & Saving Money18:02 - First Show Back?20:55 - Children's Books, Pete the Cat & Imagination26:21 - J Check-In27:53 - Q&A: Self-Discipline39:02 - Systems For Dummies48:29 - Q&A: Best Pantera Album59:07 - ‘Banana Man' Reaction1:11:35 - Upcoming Shows1:12:34 - Kurt Ballou

Spending some time with beer's raw ingredients is important. Finding out what is new, exciting, or how other brewers are utilizing them to create world class beer helps make the whole industry stronger and pints taste better. This month, we're taking a look at malt and speaking with two industry professionals who are intimately involved in the processing and promotion of grain.Andrea Stanley is the co-owner of Valley Malt, a craft malthouse in Western Massachusetts supplying craft brewers, distillers, and bakers with locally grown malts and grain. In 2009 Andrea read an article about local farms and bakeries in the fertile CT River Valley reviving the lost art of growing and processing local grains. As an avid supporter of local food, Andrea saw an opportunity to connect this emerging local grain growing with craft brewing. She reached out to a local vegetable grower in her hometown of Hadley and convinced him to plant 25 acres of barley as a crop rotation.Initially her goal was to prove that malt barley could be successfully cultivated in Massachusetts and malted into an ingredient that local breweries would want to use. In October 2010, Andrea shoveled the first 1-Ton batch of locally grown malt and has since worked with her husband, malting team, and the local farming community to build a supply chain in the Northeast that continues to grow, despite many challenges to overcome. In 2022 Valley Malt underwent a major expansion, adding 1 million pounds of grain cleaning and storage and the capacity to malt 1.5 millions pounds annually.  Valley Malt now supports over 700 acres of grains annually in NY, VT, NH, MA, ME and CT with the plan to keep growing in the coming years by installing additional germination bins.  On the larger-scale commercial side of malt, Zach Kelly the territory sales manager in Northern California for the Country Malt Group. After a career in the brewhouse - where he worked for companies like Russian River and Hen House, he now helps brewers make smart decisions when it comes to finding the right grain bill for their next brew. Passionate about lagers and west coast IPA, Zach shares insight on what's exciting, reliable and available. The BYO Nano Podcast Episode 78 is sponsored by:NanoCon OnlineRegistration has opened for NanoCon Online. On October 23rd craft brewing industry experts will present a full-day of live seminars covering Brewery Operations, Business Operations & Sales, and Start-Ups for the small-scale, taproom-oriented brewer. Get your questions answered live and have future access to NanoCon Online video recordings and course materials for all sessions. Register now at NanoCon.beer and save $25!BYO Nano+ MembershipGet access to hundreds of hours of on-demand videos covering small craft brewery strategies with BYO's Nano+ Membership. Learn from craft beer experts watching replays of past NanoCon seminars plus a complete library of in-depth workshops. You'll also have full online access to all of BYO's digital content and an annual digital magazine subscription. Check out byo.com/nanoplus for more details.BYO Nano Brew Podcast Episode 78Host: John HollGuests: Andrea Stanley, Zach KellyContact: nano@byo.comMusic: Scott McCampbellPhoto: Andrea Stanley

A long-time hospitality business owner says Aucklanders need to get out and support local businesses if they don't want them to go under. Tricky Hartley, owner of Wynyard Quarter eatery The Conservatory spoke to John Campbell.

In early 2023, dating site Eharmony released findings from a survey of over 1000 singletons. The research found that on average they spent 55 minutes per day logged in to the dating app, with six conversations on the go at the same time. Despite that, as many as 70% of those surveyed felt heavy dating app usage had a negative impact on their mental health. Spending so much energy on dating can get overwhelming, but fear not. I'm here to tell you about a solution which could help you take back control of your love life: the zero date. The idea was invented back in 2018 by American entrepreneur Christina Wallace.  What's it all about then? What's the difference between a zero date and a regular first date then? In under 3 minutes, we answer your questions! To listen to the last episodes, you can click here: ⁠⁠Why do mouth sounds drive some people crazy?⁠⁠ ⁠⁠Why does Ramadan start on a different date each year?⁠⁠ ⁠⁠How can I move house stress-free?⁠⁠ A podcast written and realised by Joseph Chance. First Broadcast: 15/3/2024 Learn more about your ad choices. Visit megaphone.fm/adchoices

Even as geopolitical tensions roil financial markets, wealthy consumers are defying the gloom — private jet demand is surging at events like Monaco and Cannes, and Broadway just recorded a record 1.9 billion dollar season. This divergence between financial anxiety and high-end consumer spending raises important questions about where the real economy actually stands.Today's Stocks & Topics: Grupo Aeroportuario del Centro Norte, S.A.B. de C.V. (OMAB), Market Wrap, KPP Newsletter, CSX Corporation (CSX), The Wealth Effect Paradox: Why Rich Consumers Are Spending Big While Markets Wobble, Powell Industries, Inc. (POWL), Key Benchmark Numbers: Treasury Yields, Gold, Silver, Oil and Gasoline, AI Build-out and Commodities, Defense Sector.Our Sponsors:* Check out Anthropic and use my code Claude.ai/invest for a great deal: https://www.anthropic.com* Check out Chilipad and use my code sleep.me/INVEST for a great deal: https://sleep.me* Check out Plaud AI and use my code INVEST for a great deal: https://plaud.ai* Check out Progressive: https://www.progressive.com* Check out Quince and use my code quince.com/invest for a great deal: https://www.quince.com* Check out Scribe and use my code scribe.how/invest for a great deal: https://scribe.com* Check out TaskRabbit and use my code INVEST for a great deal: https://taskrabbit.com* Check out TruDiagnostic and use my code INVEST20 for a great deal: https://www.trudiagnostic.comAdvertising Inquiries: https://redcircle.com/brands

Today, we’re bringing you the best from the KUOW Newsroom. First, ahead of the World Cup, Mayor Katie Wilson’s administration has boasted about opening new shelter beds to get homeless people off the streets. But sweeps are continuing, and possibly even increasing. Next, local government agencies have spent more than $100 million dollars on the World Cup in Washington state. Anna Boiko-Weyrauch counted the money and explores whether it’s worth it. And finally, Gays Eating Garlic Bread in the Park - a local Pride event that drew hundreds of people together this month in Seattle. What started as a humble picnic two years ago - has grown into a viral event. We can only make Seattle Now because listeners support us. Tap here to make a gift and keep Seattle Now in your feed. Got questions about local news or story ideas to share? We want to hear from you! Email us at seattlenow@kuow.org, leave us a voicemail at (206) 616-6746 or leave us feedback online.See omnystudio.com/listener for privacy information.

Money is one of the most practical—and spiritual—areas of our lives, yet it's often one of the least intentionally taught within the home.    In this episode of the Raising Godly Girls Podcast, Patti Garibay welcomes financial author and stewardship expert Matt Bell for an important conversation about raising girls who honor God with their finances. From everyday spending decisions to long-term financial planning, this episode explores how parents can disciple their daughters to think Biblically about money from an early age.    Together, Patti and Matt tackle some of the most common questions families face today: Is all debt bad, or is there a place for wise borrowing? How can parents help their daughters avoid the burden of overwhelming student loans? And what's the best way to teach financial responsibility—through cash, debit cards, or even credit?    This conversation also highlights the deeper heart behind financial stewardship. In a culture driven by consumption and comparison, girls need to learn contentment, discernment, and generosity. Matt shares how giving isn't just a financial practice—it's a spiritual discipline that helps shape a heart aligned with God's purposes.    Whether your daughter is just beginning to learn the value of money or preparing to step into adulthood, this episode will equip you with practical tools and Biblical encouragement to guide her toward a future marked by wisdom, responsibility, and faithful stewardship.    Because when girls understand that everything they have comes from God, they are better prepared to use it for His glory.    Scriptures Referenced in This Episode:    Matthew 6:21   Proverbs 21:5   Luke 16:10   1 Timothy 6:6–10   2 Corinthians 9:6–7   Proverbs 22:7    To learn more about Matt Bell, his work, and resources for Biblically wise financial stewardship for your family, visit mattaboutmoney.com     Visit raisinggodlygirls.com for more encouragement and faith-based parenting tools.         Learn how to find or start an American Heritage Girls Troop in your community at americanheritagegirls.org.      

It's the halfway point of 2026. Do you know if your retirement plan is on track? In this episode of Safer Retirement Radio, Brian Decker and Arrin Wray of Decker Retirement Planning walk through their mid-year review process: what to check, what to question, and where the common blind spots are. What this episode covers: • The mid-year checklist: portfolio allocation, spending versus budget, and whether your 401(k), IRA, Roth, and HSA contributions are still on pace • Why set-percentage withdrawal rules like the 4% approach can fall short in a flat market cycle, and how Decker structures income across emergency cash, principal-protected accounts, and a separate risk bucket • Brian's case against traditional quarterly rebalancing, and how relative strength, sector rotation, and momentum strategies shape what Decker clients own right now • What history shows about market valuations above 30 times trailing earnings, and the two ways portfolios have historically generated returns in flat market cycles • The disconnect between record stock prices and a squeezed economy: layoffs, flat unemployment, and why half the country feels it differently than the other half • The mindset shift from saving to spending, including how retirees can think about emergency cash and permission to actually use the money they spent decades building If you're within a few years of retirement, or already there, this episode lays out the questions worth asking before the second half of the year. Schedule a no-cost conversation: 833-707-3030 Free resources, including Brian's book The Decker Approach and a sample income plan, are available at DeckerRetirementPlanning.com under Safer Retirement Education. Serving families in Salt Lake City, Seattle/Bellevue, and the Bay Area, and virtually nationwide. Investment advisory and insurance services offered through Decker Retirement Planning, Inc., a registered investment advisor. Investing involves risk, including the potential loss of principal. Any references to protection or safety generally refer to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength and claims-paying ability of the issuing carrier. This show is for informational purposes only and is not tax or legal advice. This radio show is a paid placement.

The Jackson Burkett coaching tree. Darren Pang, Rich Gould, and Robert Thomas are going to join the program today. Cards lose. Carolina takes Game 5 of the Stanley Cup Final. Lillith Khan. People stuck in the air at Six Flags. The apology department. Old man noises. Iggy's 72 day hat marathon. People actually listen to this show. Plowsy's weight and the mile run.McGreevy has two songs about him. Texters holding the 2Fox accountable. Water breaks in the World Cup. Breakfast update from Toronto. Airport grievances. Cards going with Dobbins and the six man rotation. Gorman already has more career strikeouts than Tony Gwynn. Montreal Expos and Olympic Stadium. Steve is on the line and wants to talk Nolan Gorman.Joined by the great Darren Pang. We miss Panger in St. Louis. Panger misses Doug, but not Martin. Martin's roast of Panger. The 7 year anniversary of the Blues winning the Stanley Cup. What's Panger's most vivid memory of that night? Ope, we lost Panger. He's back. The Blues did a great job on including everyone. Berube's pre-game speech. COVID ruined the Blues chance to repeat. Bruce Cassidy getting fired just before the playoffs. Great SCF thus far. Golf questions coming in for Panger. His son's pig. Games that flew under the radar during the Cup run. Wayne Gretzky changing Panger's golf game.Pretty Woman. USMNT kicks off in The World Cup tonight. Only 8 countries have won the World Cup. Getting iced. Doug with deportation questions. Buzz Balls. Doug's never had a cigarette. Energy drinks. Audio of Stephen A. Smith chastising Knicks fans for their behavior. Doug wants people to behave themselves.Look, Doug, it's Uncle Rich. Rich Gould joins us. Iggy the angry Easter bunny. Rich came with gifts for Doug's grandson. There's A Snake Down There. You're never too young to learn things. We need to get him on a book tour. Rich has some more books in the holster ready to go. What keeps Rich busy these days? Rich hasn't had a cigarette either. Travel ball out the womb. Chairman's down on The Little League World Series. Fire in the hole. The story of Rich not wanting to work Fridays.Rich isn't watching much Cardinal baseball. Calling Cardinal games 98-06. Giving hitting advice to Delino Deshields. Riding in a cab with Ron Gant. Rich wants to make country music. He hasn't heard Navy Caps on the Road. Doug teaches Rich AI. Too injured to play golf. Roller Derby.Uncle Rich gets to hear Navy Caps on the Road for the first time. And he loves it! Little kids and Nick Siriani love his book. Teachers love guest speaker day. The genesis of Angry Iggy & The Fan Show. Rich is in the Missouri Sports Hall of Fame. Rich taught Rush Limbaugh everything he knew about television.Mike & The Mechanics. NBA Final and Stanley Cup Finals games this weekend.Drops of the Week & Design Aire Heating & Cooling EMOTDJoined by Robert Thomas to talk about the 7 year anniversary of the Blues winning The Cup. Feels like he's figuring some things out in his golf fame. Spending more time in St. Louis this summer. Winning The Cup at the age of 19. The confidence that team had that year. Chief's famous speech before Game 7. Feeling good about the team that's coming back for next year. Watching this year's NHL playoffs.Robby Thomas big Jackson guy apparently. So What'd Your Grandma Think featuring Torts.And the winner of the Design Aire Heating & Cooling EMOTD is...See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

(00:00-12:01) Joined by Robert Thomas to talk about the 7 year anniversary of the Blues winning The Cup. Feels like he's figuring some things out in his golf fame. Spending more time in St. Louis this summer. Winning The Cup at the age of 19. The confidence that team had that year. Chief's famous speech before Game 7. Feeling good about the team that's coming back for next year. Watching this year's NHL playoffs.(12:09-15:54) Robby Thomas big Jackson guy apparently. So What'd Your Grandma Think featuring Torts.(16:04-16:30) And the winner of the Design Aire Heating & Cooling EMOTD is...See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Dr. Jeffrey Roach, Chief Economist for LPL Financial analyzes central banks' continued shift towards gold, recent developments regarding C&I loans, and the nuances of consumer buying patterns. Tracking: #1120572

Urdu Friday Sermon delivered by Khalifa-tul-Masih on June 12th, 2026 (audio)

Loving others compassionately is the natural overflow of loving God completely and seeing yourself clearly. And one of the most tangible expressions of that love is what you do with your money. Spending wisely, saving consistently, and giving generously aren't just financial habits. They're a living sermon about what you actually believe. When the people watching your life see all three working together, they learn something no class can teach. What financial habit do you want to build, not just for your own sake, but for theirs?Pursuing God with Gene Appel is designed to help you pursue God, build community, and unleash compassion. Grounded in Scripture and shaped by Eastside's conviction that God's grace is for everyone, each episode invites you to discover God's presence and activity in your life.

In this heartfelt episode, Kirsten shares the story of her unexpected twin pregnancy, a sudden placental abruption at just 27 weeks, and the terrifying emergency C-section that changed everything in a matter of minutes. Far from home and under general anesthesia, Kirsten woke up to a reality she never imagined: two extremely premature babies fighting for their lives in the NICU.Kirsten opens up about the grief, fear, and disconnection she experienced during those early days, as well as the challenges of navigating a lengthy NICU stay. She also shares how family support, community, faith, and time helped her process the trauma and begin healing. This episode is a powerful reminder that grief and gratitude can exist side by side, and that healing doesn't require forgetting what happened.In This Episode, We Discuss:

How Speed to Lead Unlocks More Revenue From Every Lead SourceMost contractors think they need more leads. According to Tyson Chen, co-founder of Avoca, most home service companies actually need a better system for capturing, contacting, and converting the leads they already have.In this episode, John Wilson sits down with Tyson Chen to break down the speed-to-lead systems that are helping home service companies double revenue, improve booking rates, and make channels like Angi, Yelp, Meta, Thumbtack, and Google LSA profitable. They discuss the exact follow-up cadence used by top-performing contractors, why most businesses leave revenue on the table, and how AI, outbound calling, and automation are changing lead conversion in the trades.They also explore how private equity-backed platforms are using speed-to-lead to create entirely new revenue streams, why response time directly impacts lead quality and platform rankings, and what contractors need to do to maximize ROI from every marketing channel.What You'll Learn:→ Why most home service companies don't actually have a lead problem → The speed-to-lead process that helps contractors convert more opportunities → Why calling leads beats relying on text messages alone → The ideal follow-up cadence for lead aggregators and paid leads → How AI and automation improve response times and booking rates → Why channels like Angi, Yelp, Meta, and Google LSA work when lead handling is done correctly————————————————

Economist, professor, and founder of The Malveaux Monitor online newsletter, Dr. Julianne Malveaux shares why she believes America is running on empty as the consumer price index rises, draining all of our pockets.Become a supporter of this podcast: https://www.spreaker.com/podcast/tavis-smiley--6286410/support.

"It's not the print, it's the spending that continues to concern investors," says Daniel Newman of Futurum when discussing Oracle's (ORCL) earnings. The cloud company posted an earnings beat and massive backlog totaling more than $630 billion, but is doing so through raising more debt funding. Daniel adds that it's okay for the AI rally to cool after a parabolic run over a few weeks. He also gauges risk in upcoming IPOs as market cap for some top $1 trillion. ======== Schwab Network ========Empowering every investor and trader, every market day.Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/ About Schwab Network - https://schwabnetwork.com/about

Guest David Munson, Get REAL Alliance, joins to discuss new innovations for holistic farming. Discussion of soil losing minerals, the faux environmental push against carbon, and ways to save farmers for the next generation.  President Trump announces new ceasefire with Iran and pending agreement moving forward. Can we trust the Iran regime, and what's the future look like in the region?  Fraud Task Force announces suspension of funds for homeless initiatives for LA. Is it time for socialist programs to run their coarse without subsidizing? 

As John Healey resigns as defence secretary, throwing the Government into further disarray, Reform UK MP Danny Kruger joins Camilla Tominey and Tim Stanley on today's Daily T to assess Starmer's latest crisis, the rising threat to national security from “backdoor” migration, and the latest Belfast riots.He also argues the UK's tax system penalises families and needs to change to address the declining birth rates.Producer: David LeveneSenior Producer: John CadiganExecutive Producer: Charlotte SeligmanStudio Operator: Meghan SearleEditor: Camilla TomineyHighlights Danny Kruger warns that the Irish border threatens national securityHe argues that new tax reforms are necessary to support struggling British families Hosted on Acast. See acast.com/privacy for more information.

Chris Adamski and I talk about the Steelers ending there organized team activities and some of their offseason spending strategy. Learn more about your ad choices. Visit megaphone.fm/adchoices

[18+] Spending the night together, Perci recounts her time with a previous lover to Patrigue, her current avian boyfriend. Her story brings about a revelation to the bird, as well as some complicated feelings he's not sure how to handle.Today's story is “The First to Know” by Patrigue, a writer and art commissioner that enjoys writing stories about nudism, exhibitionism, consensual kink, and the LGBTQ+ community, and you can find more of his stories on FurAffinity, SoFurry, and BlueSky.Read by Kergiby, a Full-Time Panther.thevoice.dog | Apple podcasts | Spotify | Google PodcastsIf you have a story you think would be a good fit, you can check out the requirements, fill out the submission template and get in touch with us.https://thevoice.dog/episode/18-the-first-to-know-by-patrigue

After years of AI euphoria, a growing bear case is emerging around the mega-cap tech companies pouring hundreds of billions into AI infrastructure — with serious questions about when, or if, those returns will materialize. This week's tech selloff and tumbling AI-related stocks suggest the market may finally be demanding answers.Today's Stocks & Topics: Primoris Services Corporation (PRIM), Market Wrap, Oil Stocks, Is the AI Trade Over? The Bear Case Against Hyperscaler Spending, 401k Allocation, Vanguard Emerging Markets Stock Index Fund (VEMAX), iShares Residential and Multisector Real Estate ETF (REZ), K92 Mining Inc. (KNT.TO), Vanguard S&P 500 ETF (VOO), Vanguard Total Stock Market Index Fund ETF Shares (VTI), The IPO Market.Our Sponsors:* Check out Anthropic and use my code Claude.ai/invest for a great deal: https://www.anthropic.com* Check out Chilipad and use my code sleep.me/INVEST for a great deal: https://sleep.me* Check out Plaud AI and use my code INVEST for a great deal: https://plaud.ai* Check out Progressive: https://www.progressive.com* Check out Quince and use my code quince.com/invest for a great deal: https://www.quince.com* Check out Scribe and use my code scribe.how/invest for a great deal: https://scribe.com* Check out TaskRabbit and use my code INVEST for a great deal: https://taskrabbit.com* Check out TruDiagnostic and use my code INVEST20 for a great deal: https://www.trudiagnostic.comAdvertising Inquiries: https://redcircle.com/brands

This episode is presented by Create A Video – After shutting down the government for months, Democrats officially got no reforms to ICE or Border Patrol, as Congressional Republicans passed a reconciliation spending bill to fully fund the agencies for the remainder of Donald Trump's term. The Republican nominee for US Senate in North Carolina, Michael Whatley, joins me to chat about it as well as immigration and why America is awesome.Become a supporter of this podcast: https://www.spreaker.com/podcast/the-pete-kaliner-show--6946691/support.Subscribe to the podcast My preferred podcast platform: SpreakerAll the links to Pete's Prep are free!Get exclusive content here!Media Bias Check: GroundNews promo code!Advertising and Booking inquiries: Pete@ThePeteKalinerShow.com  

In a hilarious and eye-opening segment, the speaker dives into the world of environmental activism and the not-so-transparent ways in which governments and organizations are using taxpayer money to fund their initiatives. With a dash of humor and a pinch of skepticism, the speaker takes us on a journey through the inner workings of a system that's more about padding the pockets of bureaucrats than actually making a difference.This episode explores the concept of "laundromats" – a system where money is raised through fees and fines, only to be funneled into a complex web of grants, salaries, and overhead costs, with little to no tangible results. The speaker shares a shocking example from Washington State, where a grant program aimed at reducing asthma was found to have spent only 1% of its funds on actual air quality improvements, with the rest going towards salaries and overhead. The same pattern is suspected to be at play in Colorado, where a similar program is being touted as a model of transparency, but lacks any independent audit to verify its effectiveness.The speaker also delves into the world of environmental activism, highlighting the ways in which organizations are using taxpayer money to fund their own agendas, rather than actually addressing the issues at hand. With a healthy dose of skepticism and a commitment to transparency, the speaker encourages listeners to question the motives behind these initiatives and to demand more accountability from those in power.If you're curious about the inner workings of environmental activism and the ways in which taxpayer money is being used, tune in to this episode to hear the speaker's take on the issue. With a healthy dose of humor and a commitment to transparency, this episode is a must-listen for anyone looking to stay informed and engaged in the world of politics and activism.See omnystudio.com/listener for privacy information.

Founder's Story: Starting Over, Studying Hard, and Finding My Voice Part 2 Host: Julie Riga | Episode Type: Solo Episode Part 2 What You Will Learn: Julie opens up about the college years that changed everything. For the first time, nobody knew her past. Nobody knew what happened in high school. She got to start over. And she made the absolute most of it, earning Dean's List honors, discovering a love of learning, and ultimately finding her way to a microphone that would define her path for decades to come. Key Topics: The Power of Starting Over: Why college gave Julie her first real opportunity to reinvent herself Making 12 friends within two days and experiencing real community for the first time How a clean slate can be the most powerful gift life offers The Eight Hour Study Sessions: Earning her place on the Dean's List despite severe gaps in her foundational education Spending up to eight hours in the library to match results others got in two Why the will to succeed can override any learning deficiency The Sorority She Walked Away From: Pledging a sorority and quitting on induction night after Hell Night The professor who asked: "Are you here to pledge a sorority or are you here to get an education?" Choosing her education and her purpose over fitting in Finding Her Voice on the Radio: Becoming the voice of Rowan College on 89.7 WGLS FM Hosting two talk shows and a club mix as CJ the DJ How an internship she thought was pointless turned into one of the most brilliant series the station had ever run Memorable Quotes: "Sometimes that is just what you need in life. You need to start over." "You will do it if you want it bad enough. You will do it." "Nothing in my life was handed to me. Nothing. And so I had to push forward." "I am here to get an education, sir. And that moment changed everything for me." "Learning was the remedy to my problems. I could learn." "When you start to remember what you did as a young person and you are able to come back to who you started becoming, because life took you in a different direction from where you started. This is the journey I have been on." Key Takeaways: A fresh start is not a luxury. It is sometimes a necessity for growth Outworking everyone else is a valid and powerful strategy Knowing what you want badly enough will always outperform raw talent Purpose-driven decisions require walking away from things that do not serve your mission Your earliest passions are often pointing you toward your purpose all along About Julie Riga: Julie Riga is a leadership coach, TEDx speaker, bestselling author, and host of the Stay On Course Podcast. She helps leaders and business owners discover their true purpose, build authentic confidence, and break through to their next level of success. Services: One on One Coaching | Leadership Programs | Training Programs | Brand Building Explore all of Julie's resources here: https://stacklist.app/julieriga Subscribe to Stay On Course wherever you listen to podcasts Share this episode with someone who needs to be reminded it is never too late to start over #StayOnCoursePodcast #FoundersStory #PurposeDrivenLeadership #PersonalGrowth #LeadershipMindset Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

I'd love to hear your thoughts, feedback and insights on what could improve The ADHD Women's Wellbeing Podcast in this short poll - it takes 2 minutes, and as a thank you, we'll send you a little gift!Does thinking about money make something in your body tighten? Your chest pound and throat close?Maybe you avoid opening your banking app for weeks. Maybe you know something needs to change but every system you've tried has lasted about three days. Maybe you've spent money you didn't mean to spend, not because you're irresponsible, but because in that moment it was the only thing that made you feel okay.You are not bad with money.You just haven't had a system built for your brain.This week on The ADHD Women's Wellbeing Podcast I'm joined by Esther Bangura, neurodivergent financial educator, ADHD and money coach, and host of the Neurodivergent Money Management podcast. After years of debt, stress spending, and burnout, Esther paid off £18,000 and bought her own home. Instead of following conventional financial advice, she used systems that actually worked with her ADHD brain; and now she helps other high-earning neurodivergent women do the same.For so many of us, spending isn't really about the thing we're buying, it's about control, relief, and finding calm for a nervous system caught in overwhelm.In this episode, we explore:Esther's realisation of her spending habits and gaining a sense of controlWhy her own ADHD diagnosis transformed the way she supports her clientsWhy the same money systems doesn't work for everyone, and how to find what actually works for youHow to understand your spending patterns and energy levels and use that data to build a strategy that sticksHow burnout and financial stress affected Esther's fertility and her experience of miscarriageWhat needs to change in financial education for neurodivergent peoplePractical tips for ADHD business owners managing their financesThis episode is for every woman who has ever felt shame around money or avoided the conversation because it felt too exposing. Esther brings warmth, honesty and genuine practical wisdom to a topic that our community doesn't talk about anywhere near enough.Financial peace is possible for our brains and this episode shows you what that can look like.Support and information on topics raised in today's episode: The Miscarriage Association Website The Miscarriage Association helpline and support servicesStepChange Debt CharityTimestamps:00:01 - Introduction to ADHD Women's Wellbeing01:12 - Navigating Financial Challenges as a Neurodivergent Individual10:59 - Understanding ADHD and Financial Management21:41 - Exploring Financial Challenges of Neurodivergent Women35:13 - Navigating Transitions: Understanding Yourself and Your Finances40:06 - Navigating Burnout and Self-Employment44:42 - Navigating Neurodivergent Business StrategiesThis week's episode is sponsored by Understood.org, the leading nonprofit dedicated to empowering the millions of people with learning and thinking differences, like ADHD and dyslexia. Their podcast, AHA Aha! Shared candid stories about ADHD realisations, including the unexpected, emotional and even funny ways ADHD symptoms can surface!The ADHD Women's Wellbeing Live Event Recording is here!My first-ever ADHD Women's Wellbeing Live event sold out, and now the full experience is available to you wherever you are, whenever it feels right.Alongside three neuro-affirming experts, we spent four hours exploring the questions that matter most to late-diagnosed women. Get lifetime access here!Inside the ADHD Women's Wellbeing Live Recording, you'll find:Kate Moryoussef on post-diagnosis growth and her gentle framework for what comes nextDr Hannah Cullen on the neuroscience of ADHD and why your brain works the way it doesHannah Miller on reconnecting with purpose through a neurodivergent lensAdele Wimsett myth-busting on hormones, HRT, progesterone and perimenopauseUnderstand yourself more deeply, feel less alone, and finally access the expert knowledge you deserve. Because every woman with ADHD deserves access to the knowledge, expertise and understanding that for too long simply hasn't been available to us.To get lifetime access for £44, click here.Links and Resources:Find my popular ADHD workshops and resources on my website [here].Follow the podcast on Instagram: @adhd_womenswellbeing_podKate Moryoussef is a women's ADHD lifestyle and wellbeing coach and EFT practitioner who helps overwhelmed and unfulfilled newly diagnosed ADHD women find more calm, balance, hope, health, compassion, creativity and clarity.

Hey Doc—If you're looking for an au pair right now and wondering whether all the good candidates have disappeared into thin air, you're not imagining it.I've had several physician moms ask me how I find au pairs when the agency websites seem completely picked over. And since I'm currently searching for a new au pair myself, the timing felt perfect to pull back the curtain on exactly how I do it.This is not a conversation about choosing an agency or comparing program fees. This is about creating a process that keeps you organized, efficient, and significantly less likely to lose your mind during the search.Because if you're anything like me, you already have a career, a family, and approximately 47 other responsibilities. Spending hours scrolling through profiles only to forget who you've already contacted is not the best use of your time.In this episode, I'm sharing the system I built during our last search, the one that helped us find an amazing au pair who stayed with our family for years. You'll hear why I start outside the agency apps, how I organize candidates, where I actually find people, and the simple preparation that makes the entire process smoother.In this episode, I discuss:Why the au pair apps may not be the best place to start your searchThe simple organizational system that keeps candidates from slipping through the cracksHow I use Facebook groups strategically without getting trapped scrolling for hoursWhat information I track for every candidateThe message template that saves me time and helps start conversations quicklyWhy preparation matters more than most people realizeFinding childcare support shouldn't feel like a second full-time job.A little organization on the front end can save you hours of frustration later.

JW & Company - Is AutoZone Park and the Memphis Redbirds worth spending piles of cash on?

This week our adventurers prepare for their upcoming schooling where will they live for 7 months? How are they going to pay for meals and stay warm during the harsh winter months?

This week on Inside the Economy, we examine jobs and spending, inflation, and economies outside the United States. Since 2020, hiring demand has increased across the South and in parts of the country such as Idaho, while many Western states have experienced a decline. At the same time, new job creation remains strong. Are there any potential warning signs or anomalies behind the recent uptick in new jobs, or does the data point to continued strength? Inflation has also ticked higher in recent months, driven in part by conflict in the Middle East. Additional pressure has come from rising U.S. beef prices, as drought conditions and shrinking cattle herds continue to constrain supply. What other areas of inflation are being affected by drought conditions? Finally, the world's three largest LNG exporters, the United States, Australia, and Qatar, account for a combined 252 million tons of exports. How could the global LNG landscape change as a result of the conflict in the Middle East, and which countries may emerge as future players? Tune in to learn more. Key Takeaways: • Unemployment at 4.3% • Money-Market Fund Assets reach $8.8 Trillion as of May 28th • PCE Core CPI at 3.3% (YoY)

So that was what we waited months for, eh? Labour's cheaper public transport policy. A policy so predictable that we actually did predict it four hours before it was released. And it was predictable because it's not a new idea. It's an idea they took from 2022, dusted it off, and tried running out again with the tiniest of tweaks. Being predictable is a problem because it's not interesting. It means it won't get cut-through. It's not a policy that creates the kind of buzz they need after months of policy drought. You know what else is a problem? Their maths. There is no way this is going to cost $65 million a year and save 1.3 million public transport users an average of $1,200 a year. $1,200 times 1.3 million users is $1.6 billion. They're either fibbing about the cost, or they're fibbing about the benefit. I think it's a bit of both. What's worse for me, though, is that this policy suggests Labour may not have any ideas other than spending money. It's what they do every single time there's an election or a crisis. Cost of living crisis post-Covid? Hand out $350. Child poverty? Give mums of newborns $70 a week for a few weeks. Want to win an election? Make a year of university free. That doesn't grow the economy. It doesn't actually fix the fundamental problems we have, like high inflation or low wages. It just throws money at the symptom—stretched budgets—and grows the debt. It's not running a country. Spending money is the easiest thing in the world to do. You and I could run the place tomorrow if that was the extent of the thinking required. I'm disappointed this is what Labour made us all wait months for. They've got another five months. They need to do more than this with future policy announcements if they want a proper chance at the election. See omnystudio.com/listener for privacy information.

It's Ticked Off Tuesday, and Jared is complaining with YOU about

AI spending is hitting record highs, but where are investors placing their bets? On today's Squawk on the Street, tech analyst Dan Niles explains why he prefers Anthropic over OpenAI, while the team examines the massive capital pouring into artificial intelligence. Plus, Energy Secretary Chris Wright's comments send oil prices lower, and a closer look at the growing market for private-company shares raises a surprising question: Do retail investors buying SpaceX stock actually own what they think they do? Squawk on the Street Disclaimer Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Summer may be full of sunshine and slower schedules, but if you're the one responsible for feeding everyone all day long, it can also feel like an endless cycle of meals, snacks, and dishes. In this episode, I'm sharing the simple systems that help me keep food manageable during the summer months, from our family's “burger of the week” tradition and cook-once-eat-twice meal strategy to kid-led lunches, snack baskets, and even the occasional 3 p.m. ice cream celebration. These practical ideas not only reduce decision fatigue and lighten your mental load, but they also help kids build independence and valuable life skills along the way. If you're looking for realistic ways to simplify meal planning, make summer meals more fun, and create meaningful family connections around the table, this episode is packed with easy tweaks that can make a big difference. Mentioned in This Episode:

In this week's episode of the Black Girl Nerds podcast, we chat with the filmmakers behind the movie 'Kingston' which premiered at the 2026 Tribeca Film Festival. At the prestigious Kingston College, paths collide between a first generation student, the son of a billionaire, a noncommittal situationship, and a Chinese professor. The semester will shake the identity of each, and of the university itself. Carlos Key (Writer-Director) is a 24-year-old filmmaker based in New York. Spending early childhood in China and Chile, he gained an early fascination with languages and cross-cultural narratives. He continued to develop this passion through filmmaking in the following years, and pursued East Asian Studies with a focus on Chinese at Columbia University. Carlos and his now long-term creative partner Kalijah Rowe met in their Seattle high school film club. Over the past eight years the duo have collaborated on over a dozen short films, with multiple screened at festivals including SIFF and NFFTY. Their most recent projects were the short film MARRIED TO THE GAME and the featurette MEMORIES OF MEAT, where they honed their directorial style in a longer runtime format. Now, the best-friends-turned-co-directors have completed their first feature-length film KINGSTON, where they seek to capture the trials, tribulations, and general absurdity of their generation's college experience. Kalijah Rowe (Writer-Director) Kalijah Rowe is a 24-year-old filmmaker currently based in New York. After feeling limited at his film school in Seattle, he left to develop his style on his own terms. Producing numerous experimental shorts and music videos independently, he consistently found himself drawn to imagery with a surrealist texture as a tool for expressing what words could not. Kalijah and his now long-term creative partner Carlos Key met in their Seattle high school film club. Over the past eight years the duo have collaborated on over a dozen short films, with multiple screened at festivals including SIFF and NFFTY. Their most recent projects were the short film MARRIED TO THE GAME and the featurette MEMORIES OF MEAT, where they combined their individual strengths into a style that is both introspective but also kinetic. Now, the best-friends-turned-co-directors have completed their first feature-length film KINGSTON, where they seek to capture the trials, tribulations, and general absurdity of their generation's college experience. Jenna Shen (Writer-Producer) Jenna Shen is a Beijing-born filmmaker currently based in New York. She is a rising senior at Columbia University double majoring in English and Film. Her approach to filmmaking blends academic inquiry with socio-cultural awareness, with a particular focus in low budget independent, international, and arthouse cinema. EVERYTHING YOU DON'T KNOW, the first short film she co-wrote, directed, and edited in high school, has been viewed more than 40K times online and continues to spark conversations around public education in China. In New York, she has been involved in numerous thesis projects from schools such as SVA, NYU Tisch, and Columbia School of the Arts. Some of her recent credits include co-writing and producing KINGSTON (selected to compete in the U.S. Narrative Feature category at the 2026 Tribeca Festival) and co-producing MASQUERADE (a BAFTA-Yugo Short Film Commissioning Grant winner). PERFORMANCE, an experimental feature she assistant directed, is currently in post production. Host: Jamie Music by: Sammus Edited by: Jamie Broadnax Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

“Whom have I in heaven but you? And there is nothing on earth that I desire besides you.” — Psalm 73:25 We spend a lot of time chasing what we think will satisfy. More money. More security. More success. More possessions. But Jesus offers a radically different vision of abundance—one that cannot be measured by what we own. In Luke 12, someone in the crowd approaches Jesus with what sounds like a practical financial request: “Teacher, tell my brother to divide the inheritance with me.” On the surface, it seems reasonable. Inheritance disputes were common, and rabbis were often asked to weigh in on such matters. But Jesus doesn't step into the legal details. Instead, He goes straight to the heart: “Take care, and be on your guard against all covetousness, for one's life does not consist in the abundance of his possessions” (Luke 12:15). That statement would have been startling then, and it's still startling now. The Lie of Possessions Most of us would never say that our lives consist of what we own. But if we're honest, we often live as if it does. We may assume that more money will bring peace, more savings will remove fear, more success will secure our identity, or more stuff will satisfy the longing in our hearts. But Jesus says abundance isn't found there. And notice His warning: “Be on your guard against all covetousness.” This is not only a temptation for the wealthy. Coveting can show up in any income bracket. It can surface when we envy someone else's lifestyle, resent what we don't have, obsess over what we want next, or place our hope in what money can do. That's why money issues are rarely just dollars-and-cents issues. They are heart issues. Where True Abundance Is Found If abundance is not found in possessions, where is it found? Jesus answers that clearly in John 10:10: “I came that they may have life and have it abundantly.” The abundant life is not something Jesus merely points to. It is something He brings. True abundance is found in an abiding relationship with Him. That means abundance is deeper than circumstances. It is possible to have much and still be spiritually empty. It is also possible to have little and still be full of joy, peace, and security in God. The Apostle Paul wrote, “I have learned in whatever situation I am to be content” (Philippians 4:11). His contentment was not rooted in favorable conditions. It was rooted in the sufficiency of Christ. Psalm 23 paints the same picture: “The Lord is my shepherd; I shall not want.” In other words, when the Lord is your shepherd, your deepest needs are met in Him. Possessions Are Gifts, Not Saviors None of this means possessions are bad. The Bible never teaches that money or material things are evil in themselves. They can be gifts from God—tools for provision, generosity, hospitality, and blessing. But they make terrible saviors. That is why financial stewardship begins with worship. Before we ask, “How much should I save?” or “What should I invest in?” or “Can I afford this purchase?” we should ask a deeper question: What am I looking to for life? That question can reshape every financial decision we make. A budget becomes more than a spreadsheet. It becomes a reflection of what we treasure. Saving becomes wise preparation, not a substitute for trust. Giving becomes an act of worship, not a threat to our happiness. Spending becomes more thoughtful because we are no longer chasing fulfillment in things. And success is redefined—not by accumulation, but by faithfulness. Freedom in Christ Maybe today you feel anxious because you haven't reached the number you thought would bring peace. Maybe you feel discouraged because resources are limited. Or maybe you have achieved the goals you once believed would satisfy, only to discover they didn't. Jesus meets each of us with the same loving truth: your life does not consist in the abundance of possessions. It is found in Him. And when Christ becomes your treasure, you are finally free—free from comparison, free from endless striving, free from the fear of not having enough, and free to steward what you have with gratitude, wisdom, and open hands. That is true abundance. Go Deeper If you'd like to go deeper into this powerful teaching from Luke 12, we invite you to pick up a copy of Rich Toward God, our four-week study on the parable of the rich fool. You can order yours today at FaithFi.com/Shop. And if you go through it with your church or small group, bulk discounts are available. That's FaithFi.com/Shop. On Today's Program, Rob Answers Listener Questions: I make about $1,200 a month and may only have around $40 a month to invest. I don't understand investing terms and feel stuck financially. Since Kingdom Advisors may cost money, how can I start investing wisely with just a small amount? My daughter will be traveling through Europe for a few weeks this summer. Do you have a recommendation for travel insurance? I have four or five credit cards I haven't used in years, and I'm concerned about leaving those accounts open. What's the safest way to close unused credit cards without causing problems? Resources Mentioned: Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner) Schwab Intelligent Portfolios® BlueCross Travel Insurance | Allianz Travel Insurance The Sound Mind Investing Handbook: A Step-by-Step Guide to Managing Your Money From a Biblical Perspective by Austin Pryor with Mark Biller Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship by Rob West Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety Rich Toward God: A Study on the Parable of the Rich Fool Find a Certified Kingdom Advisor® (CKA) FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Most people don't have a money problem.They have a clarity problem.A few years ago, a friend asked me a brutal question:“If health and travel are your values… why doesn't your spending reflect that?”He was right.I was wasting over $1,000/month on subscriptions, random purchases, clothes I didn't care about, and convenience spending that added zero value to my life.In this video, we break down how to build your own “Spending Code” so your money finally aligns with what actually matters to you.Because if you don't decide your rules ahead of time, emotion will decide for you in the moment.Video 7 of 10 in the Spend Like You Mean It series.Social:  @MattScoletti  Website: www.MattScoletti.com

In Part 1 of this live Q&A episode of Retire With Style, Wade Pfau and Alex Murguia answer listener questions covering reverse mortgages, retirement withdrawal rates, Roth conversion strategies, tax-efficient retirement income planning, asset allocation decisions, and bond ladders. The discussion emphasizes that retirement planning rarely has one-size-fits-all answers, highlighting the importance of balancing taxes, investment risk, spending flexibility, and personal preferences. Wade also shares practical rules of thumb for effective marginal tax rates, explains why TIPS ladders can serve as a benchmark for safe withdrawal rates, and discusses how different portfolio allocations may lead to surprisingly similar retirement income outcomes despite varying levels of volatility. Listen now to learn more!   Takeaways  Paying down a reverse mortgage (HECM) is generally optional, but doing so can increase future borrowing capacity through a larger line of credit. Building retirement income "buckets" does not necessarily require moving money out of a 401(k); short-, medium-, and long-term buckets can often be created within the account itself. Most retirees would not benefit from withdrawing money from a tax-deferred account simply to build a taxable account, as it usually creates unnecessary taxes. Tax planning is largely about smoothing taxable income over time rather than creating large swings in income from year to year. For many retirees with less than roughly $3 million in assets, targeting a 12% effective marginal tax rate can serve as a useful rule of thumb when evaluating Roth conversions. Based on current TIPS yields, a 30-year inflation-adjusted TIPS ladder could support an estimated safe withdrawal rate of about 4.7%. Spending flexibility can often support higher withdrawal rates than rigid spending plans that require the same inflation-adjusted income every year. Historical research suggests that portfolios ranging from roughly 35% to 80% stocks have produced surprisingly similar sustainable withdrawal rates despite meaningful differences in volatility. Higher stock allocations may increase long-term legacy values, but lower stock allocations can provide a smoother retirement experience without significantly reducing sustainable spending. Retirement income bond ladders differ from traditional accumulation bond ladders because they are designed to match future spending needs rather than continuously reinvest maturing bonds. Chapters  00:00 Navigating Home Equity Conversion Mortgages 04:21 Building Retirement Buckets 07:50 Understanding Effective Marginal Tax Rates 13:31 Determining Safe Withdrawal Rates 21:25 Exploring Asset Allocation and Sustainable Withdrawal Rates 25:00 Developing a Blending Strategy for Roth Conversions 27:41 Navigating Software for Financial Planning 28:37 Understanding Bond Ladders vs. Managed Bond Funds 29:30 Social Security Strategies for Couples   Links

The DSA manifesto. Trump to attend Knicks game. Will it go smoothly? Minneapolis is spending more than a million dollars of taxpayer money for a counselor to help the city council and mayor get along. Mpls near George Floyd square have to foot the bill for the square's renovation. Johnny Heidt with guitar news. Heard On The Show:House report blames Walz, Ellison for fraud oversight failureOver 200,000 celebrate at Grand Old Day in St. Paul to support Grand Avenue businessesA 7.8 magnitude quake in the Philippines kills at least 35, collapses buildings and sparks tsunamiSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Summary Discover the profound impact of outdoor time on health, aging, and mental well-being with Dr. John La Puma. Learn practical, science-backed strategies to incorporate outdoor activities into daily life for better sleep, mood, and longevity.Chapters00:00 The Gift of Nature and Outdoor Living03:13 The Science of Outdoor Benefits06:01 Indoor vs Outdoor: The Pollution Debate09:14 The Importance of Morning Light11:57 The Role of Play in Adult Life14:58 The Impact of Screens on Children18:02 The Power of Walking Outdoors26:29 The Importance of Nature and Blue Spaces29:54 Dopamine and the Impact of Screens33:04 Connection to Nature and Mental Health37:18 Tangible Steps to Connect with Nature41:05 The Role of Handwork and Creativity46:11 Nature as Medicine and Houseplants' BenefitsSponsors: LMNTOFFER: Right now, for my listeners LMNT is offering a free sample pack with any LMNT drink mix purchase at DrinkLMNT.com/FEELGOOD. That's 8 single serving packets FREE with any LMNT any LMNT drink mix purchase. This deal is only available through my link so. Also try the new LMNT Sparkling — a bold, 16-ounce can of sparkling electrolyte water.USE LINK: DrinkLMNT.com/FEELGOODDr. John La Puma Resources: Book: Indoor Epidemic: 93% Inside Steals Sleep, Focus & Years—The 7% Outdoor Rx Restores Them.Website: drjohnlapuma.com Bio: John La Puma, MD, ChefMD™ is a two-time New York Times bestselling author, board-certified internist, and professionally trained chef who pioneered Culinary Medicine. He now pioneers EcoMedicine from his small regenerative teaching farm. His new book, Indoor Epidemic, reveals how spending 93% of life indoors steals sleep, focus, and years, and how reclaiming just 7% outdoors can restore them using the evidence-based Outdoor Rx framework. This is clinically validated intervention, presenting nature as foundational medicine, an essential component of health and the missing pillar in optimizing longevity and healthspan.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Brought to you by Up Bank! The Bank That's Got Young Aussies' Backs...Shyama Buttonshaw is a leading Australian surfer-shaper from Bells Beach, Australia, specialising in diverse, futuristic equipment and performance in conditions ranging from one foot to ten plus. Find his website, here. See omnystudio.com/listener for privacy information.

There was a time in my life where summer felt like a financial reset. Everything felt lighter. More relaxed. More social. I wasn't thinking about routines the same way, and I definitely wasn't as focused on my budget. I was just… living. In the moment, it felt good. Like I was enjoying my life and taking a break from structure. But what I didn't realize back then was that the kind of "reset" I was creating wasn't actually helping me. Because if you're not careful, a financial reset can quietly turn into falling behind. In this episode, I'm walking you through four common summer spending traps that can derail your savings goals…and more importantly, how to stay aligned with your money without feeling restricted.  You don't have to choose between enjoying your summer and being financially responsible…you just need to stay connected while you do it.   In this episode, we discuss: The real reason summer can throw off your savings and financial progress Why feeling like you "deserve it" can turn into emotional spending How social plans can quickly lead to unplanned overspending The danger of telling yourself you'll "get back on track later" Why inconsistency with money habits makes everything feel harder How small, everyday summer spending adds up faster than you think The importance of staying connected to your budget during busy seasons Simple ways to stay intentional with your money without missing out   This episode is especially helpful if you: Feel like summer always throws your finances off track Tend to overspend on social plans, dining, or last-minute activities Struggle to stay consistent with budgeting during busy seasons Tell yourself you'll "fix it later" when it comes to money Feel like your savings goals slow down or stop in the summer Want to enjoy your life while still making financial progress   Why this matters: Summer doesn't ruin your finances, but disconnection from your money absolutely can. And that disconnection doesn't usually happen in big, obvious ways. It happens in small decisions. Small patterns. Small moments where you stop checking in and start going with the flow. When you're not intentional, your spending becomes reactive; and when your spending is reactive, it becomes harder to stay aligned with your goals. But when you stay connected to your money (even in busy, social, high-spend seasons), you stay in control. You make better decisions in real time. You adjust as needed, and you avoid that overwhelming feeling of having to "start over."   Timestamps: [03:13] One of the biggest shifts Raya helps her clients work through is the mindset of justifying purchases. [06:06] Letting social plans dictate your spending can be one of the fastest ways to lose control of your spending. [10:53] Most women know what to do when it comes to money, but they struggle because they don't stay consistent with their efforts. [13:35] Not sure why your money feels tight in the summer? It's likely a lack of awareness of where your money is going.   Resources Mentioned: Episode #184: Fighting Summer FOMO: 5 Hacks that Keep Me on Track with My Budget and Goals Request a free money call with Raya City Girl Savings Personal Finance Portfolio Financial Focus Coaching Program   If there's one thing to take from this episode, it's this: summer doesn't have to set you back…but it will if you move through it without intention. The women who feel calm and confident with their money during busy seasons aren't the ones who never spend. They're the ones who decide how they want to spend before the moment happens. They stay aware. They stay connected. They stay grounded in their goals…while still enjoying their lives. If you're ready to build that kind of consistency with your money, having the right structure and support can make all the difference. You can request a free money call using the link in the resources section. You're not off track, you just need to stay connected.

Reflecting on the Feast of Corpus Christi, this meditation explores why remembering what God has done for us is the secret to living with hope. Spending time before the Eucharist helps us overcome the daily noise and worries that pull us away from Him. In the end, we are called to bring Him into our workplaces and families—where we become the monstrance, the love of Christ shining forth in our lives. A meditation by Father Philip Moss.

PATREON: https://www.patreon.com/YouShouldKnowPodcast TOUR TICKETS: https://www.youshouldknowstudios.com YSK UNPLUGGED: https://www.youtube.com/@YSK.UNPLUGGED FACEBOOK: https://www.facebook.com/people/You-Should-Know-Podcast/61552092953106/ NEW TWITCH CHANNEL: https://m.twitch.tv/peytonhardin/home 00:00 PEYTONS INFECTED TONGUE 2:54 2ND BABY IS HERE! 7:32 CAM BETRAYED PEYTON 15:37 POO IN THE BED STORY 24:05 PEYTON WENT TO A CELEB PARTY STORY 30:08 STALKING NFL QUARTERBACKS 33:11 PATRICK MAHOMES MEETS YSK STORY 40:41 HIMS 41:54 SNIFFING PEYTON'S EARS 46:12 GLD 47:23 RANKING WORST FAST FOOD 1:04:31 SHOPIFY 1:06:02 SPENDING $500 AT A GAS STATION 1:11:33 EVEN REALITIES 1:13:26 MAGNETIC DEBATE 1:20:20 QUO 1:21:55 THE ANXIETY QUIZ CHALLENGE! 1:34:50 ANNOUNCEMENTS Todays Sponsors: Hims - Get simple, online access to personalized, affordable care for ED, Hair Loss, Weight Loss, and more at https://hims.com/YSK for your free online visit. GLD - New customers get 40% off with code YSK at https://gld.com Shopify - Sign up for your one-dollar-per-month trial today at https://shopify.com/ysk Even Realities - Get 10% off Even G2 smart glasses, Even Ring 1, and Even Clip at https://evenrealities.com with promo code YSK Quo - Try QUO for free and get 20% off your first 6 months at https://www.quo.com/YSK. FOLLOW PEYTON: https://instagram.com/psh8?igshid=ZDg1NjBiNjg= JOIN THE DISCORD: https://discord.gg/V5WYhSte2R Learn more about your ad choices. Visit podcastchoices.com/adchoices

Founder's Story: Bullied, Broken, and Built for Purpose Part 1 What You Will Learn: Four years into hosting the Stay On Course Podcast, Julie Riga steps into the guest seat to share the story she has never fully told before. From honoring her father's legacy to surviving Graves disease, from eating lunch alone in a high school bathroom to becoming a leadership coach and transformation catalyst, Julie's journey is proof that our hardest seasons carry our greatest lessons. Key Topics: The Heart Behind Stay On Course: Why Julie created the Stay On Course Podcast four years ago How her father's words of faith became the soul of the brand The meaning behind "Stay on course" and why it carries so much weight Lesson One: The Kid Who Had Lunch in the Bathroom: Being bullied from age five and the identity it almost stole Spending high school years eating lunch alone due to isolation and illness The quiet inner voice that carried her through: "They do not know who you are. They do not know who you will become." The Surgery That Changed Everything: Undiagnosed Graves disease discovered at 16 after a life-threatening surgery Being rushed to the ICU and the doctor's warning to her mother How her senior year marked the turning point toward becoming herself Memorable Quotes: "If the world falls down on your shoulders, brush it off and keep going your way. Stay on course. Have faith." "They do not know who you are. They do not know who you will become." "I am a person of conviction and I am a person of purpose." "It is because of those lessons that I became the unique individual that I am today." Key Takeaways: Your story has purpose. The hard seasons are the foundation of who you are becoming Reframe every setback as a lesson and watch your growth accelerate Faith carries you through seasons you cannot navigate alone Circumstance does not define you or your future Tenacity and conviction are forged through difficulty, not comfort About Julie Riga: Julie Riga is a leadership coach, TEDx speaker, bestselling author, and host of the Stay On Course Podcast. She helps leaders and business owners discover their true purpose, build authentic confidence, and break through to their next level of success. Services: One on One Coaching | Leadership Programs | Training Programs | Brand Building Explore all of Julie's resources here: https://stacklist.app/julieriga Subscribe to Stay On Course wherever you listen to podcasts Share this episode with someone who needs to be reminded: your story is not over #StayOnCoursePodcast #PurposeDrivenLeadership #AuthenticLeadership #PersonalGrowth #LeadershipMindset Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.