Podcasts about spending

Spending most of your day sitting increases your risk of chronic disease and early death, but taking a five-minute walk every hour is a simple habit that helps counter many of those harmful effects Researchers found that hourly walking breaks offered the best balance between meaningful health benefits and a routine that people could realistically maintain, while also improving mood and reducing fatigue without hurting work performance You don't need to reach 10,000 daily steps before your health improves; increasing your daily total to about 4,000 to 4,500 steps was associated with substantial reductions in the risk of death and cardiovascular disease The lowest long-term risk of death was associated with accumulating roughly 9,000 to 10,500 steps each day, even among people whose jobs required them to spend much of the day sitting The greatest protection comes from combining two habits: interrupt long periods of sitting with regular walking breaks and gradually increase your total daily steps until active movement becomes part of your everyday routine

Hour 3: MLB Stadium Spending, Nate Taylor, Pete Prisco Likes the Chiefs full 2828 Thu, 03 Sep 2026 14:07:18 +0000 kQRnnYxIuTpbJ4TqrXfOqaoMDQ1X8mPF nfl,mlb,kansas city royals,nate taylor,sports Fescoe & Dusty nfl,mlb,kansas city royals,nate taylor,sports Hour 3: MLB Stadium Spending, Nate Taylor, Pete Prisco Likes the Chiefs Fescoe & Dusty are huge fans of Kansas City sports and the people of Kansas City who make it the great city it is. Start your morning with us from 6-10 as we talk all things Chiefs, Royals, Jayhawks, and more, with plenty of tangents along the way! 2024 © 2021 Audacy, Inc. Sports https://player.amperwav

We dig into the finances behind "the beautiful game" after English football's Premier League just spent $4.7 billion on new players. What's behind football's richest competition an dis its success sustainable.Presenters: Will Bain and Rahul Tandon Producer: Rebecca Smyllie(Image: Stamford Bridge, London, Britain - August 30, 2026 Chelsea's Cole Palmer celebrates scoring their fourth goal with Morgan Rogers REUTERS/David Klein)

Send us Fan MailWelcome to the Laundromat Resource Podcast! In today's episode, host Jordan Berry sits down with a seasoned, yet anonymous, owner who's achieved impressive success in New York City's ultra-competitive laundromat and dry cleaning scene. This guest pulls back the curtain on what it really takes to build and operate profitable laundry businesses amid sky-high rents, tough competition, and the ever-shifting pulse of Manhattan. You'll hear candid stories about acquiring zombie mats, handling accounts receivable, navigating challenging commercial clients, and the invaluable lessons learned from early mistakes. Plus, discover a countercultural business model focused on human connection and top-tier customer service—delivering six-figure returns from a tiny footprint. Packed with practical strategies, hard-earned wisdom, and actionable advice, this episode is a must-listen for anyone looking to buy, run, or scale their first—or next—laundromat.In this episode, Jordan & Guest Discuss:00:00 Understanding the laundromat business06:31 Customer turnover in Manhattan13:44 Researching laundromats and making first purchase15:28 Spending on unnecessary upgrades23:49 Managing dry cleaning finances29:52 Challenges of Starting a Laundromat32:15 Managing laundromat services and clients40:08 Running a laundromat from afar46:21 Focusing on business acquisitions52:05 Simplifying laundromat payment system56:16 Neighborhood laundromat business model01:00:04 Customer service and machine tutorials01:04:29 Operating systems staying old school01:13:31 Buying and managing a laundromat01:17:12 Handling customer complaints01:21:35 Avoid these laundromat buying mistakes01:26:28 Networking with industry experts01:31:48 Consultants in laundromat Facebook groups01:40:56 Networking in the laundry industry01:43:25 Combatting loneliness in New York01:47:00 Weekly action challenge outroFree Strategy Zoom Call with Jordan:https://calendly.com/laundromatresource/free-strategy-call?back=1

In this episode, we're talking about why the district attorney's office is being scrutinized, and how the new Supreme Court ruling removing federal spending limits for political parties could affect elections in Philly. Host Trenae Nuri is joined by creative producer Siani Colón and political contributor Lauren Vidas to talk about these stories, and what festive rideshares in Philly are like.  Our newsletter has Philly news & events in your inbox every weekday morning. Call or text us: 215-259-8170 Instagram: @citycastphilly Support our show and get great perks as a City Cast Philly Neighbor. Sign up here. Advertise on the podcast or in the newsletter: citycast.fm/advertise Learn more about the sponsor of this Wednesday, September 2nd episode: CraftNation

Are Influencers Dying? Why Brands Are Spending Billions on the New Creator Economy The era of the influencer may be ending—but influence itself is bigger business than ever. Social media has changed dramatically, and the creators who once dominated Instagram, YouTube and TikTok are discovering that simply showing off a fabulous lifestyle isn't enough anymore. So what happened to the traditional influencer—and where did their audiences go? Social media began as a place to share photos, friends and everyday life. Then came influencers: creators who attracted enormous audiences, landed lucrative brand deals and turned online popularity into an industry worth billions. But audiences changed. Today, people increasingly want creators to teach them something, entertain them, offer expertise, build community—or be so compelling that they simply can't look away. At the same time, brands continue pouring billions into creator and influencer marketing. So is the influencer dying—or simply evolving? On today's The Karel Cast, Karel is joined by two guests who understand this transformation from very different perspectives: Andrew Selepak of the University of Florida, an expert on social media, digital culture and communication, joins the conversation to examine how influencer culture has changed and what audiences and advertisers want now. Alison Malone, a former television news journalist, podcaster and influencer, brings the perspective of someone who has worked in both traditional and digital media. Together, they explore the changing creator economy, influencer marketing, social media algorithms, TikTok, Instagram, YouTube, brand partnerships and online trends—and why influence reaches far beyond the people who actually follow creators. Influencers can help drive everything from fashion and consumer purchases to major diet and fitness trends such as the explosion of interest in protein and creatine. And through partnerships with major companies, their influence can reach consumers who don't even use social media. The influencer isn't necessarily disappearing. The definition of an influencer is changing. Who wins in this new creator economy? What happens to traditional influencers? What are brands looking for now? And where does social media go next? Let's talk about it. Join the conversation in the comments. LIKE this video, SUBSCRIBE to The Karel Cast and SHARE it with someone who has an opinion. Support independent media and The Karel Cast on Patreon: patreon.com/reallykarel Watch and subscribe on YouTube: youtube.com/reallykarel The Karel Cast is available on Apple Podcasts, Spotify, iHeartRadio, Spreaker and other major podcast platforms, and can also be seen on TikTok and Instagram. LIVE Monday–Thursday at 10:00 a.m. Pacific. Karel is a history-making broadcaster, entertainer and commentator based in Las Vegas, joined by his little service dog, Ember. #Influencers, #InfluencerMarketing, #SocialMedia, #CreatorEconomy, #SocialMediaMarketing, #ContentCreators, #InfluencerCulture, #DigitalMarketing, #TikTok, #Instagram, #YouTube, #YouTubeCreators, #SocialMediaTrends, #MarketingTrends, #CreatorMarketing, #BrandMarketing, #BrandDeals, #OnlineCulture, #DigitalCulture, #SocialMediaAlgorithm, #FutureOfSocialMedia, #InternetCulture, #MediaTrends, #Advertising, #ConsumerTrends, #ContentCreation, #Podcast, #TheKarelCast, #KarelCast, #ReallyKarel https://youtube.com/live/xG7qreP7OYU

Today’s episode of Spotlight Now looks at the current state of Hawaiʻi’s economy and tourism trends. Recent state data indicating more visitors came to the islands in July but stayed for fewer days. The figures show the state lost more than one million visitor days with growth concentrated on neighbor islands, leaving Waikīkī with a lackluster summer. Carl Bonham, executive director of the University of Hawaiʻi Economic Research Organization (UHERO), sets the big picture of Hawaiʻi’s economy with U.S. visitors now accounting for more than 80% of visitor spending. Then we’re joined by Kelly Sanders of Highgate, who oversees several hospitality properties in Hawaiʻi, including ʻAlohilani Resort Waikīkī Beach. He’ll discuss what shorter stays mean for hotel workers and nearby businesses, and whether Hawaiʻi has become too expensive for target visitors.See omnystudio.com/listener for privacy information.

Money matters in politics. Why was John Cornyn pushing for gun control? The swampy GOP senate is trying to punish the voter for dare rejecting one of their own. The mass deportation of foreigners will improve nearly every aspect of your life and the Trump administration needs to message that. The Red-Green Alliance only has one thing in common, an enemy. Follow The Jesse Kelly Show on YouTube: https://www.youtube.com/@TheJesseKellyShowSee omnystudio.com/listener for privacy information.

Helen Watson is a traveller, writer, and conservationist based in the Scottish Highlands. Born in Scotland and raised in Switzerland, she has always been drawn to adventures that are both physically and culturally challenging. In 2009, shortly after completing her PhD, Helen and her husband Ed set off on an extraordinary bicycle journey from Scotland to China. Over the course of a year, they cycled 15,000 kilometres across Europe, the Middle East, Central Asia, and China, following sections of the ancient Silk Road and relying on paper maps, curiosity, and the kindness of strangers. The journey took them through countries including Syria, Iran, and the Central Asian 'Stans', where they experienced incredible hospitality and forged meaningful connections with people from vastly different cultures and backgrounds. The trip would later inspire Helen's first book, Tea and Grit: A Bicycle Journey along the Silk Road, published in January 2026. In this episode, Helen shares the spark behind the adventure, the logistics of planning a long-distance cycle journey, and the realities of life on the road. We discuss what it means to become comfortable with discomfort, the privileges and challenges of travelling as a woman, and how her experiences in Syria took on a new significance in the years that followed during the refugee crisis. Helen also reflects on the importance of storytelling, why she felt compelled to write her book, and the lessons she has learned from a life shaped by travel, endurance, and human connection. Listen to this episode to hear about cycling 15,000km along the Silk Road, the generosity of people across cultures, and why stepping just outside your comfort zone can lead to the most transformative adventures. ***  New episodes of the Tough Girl Podcast drop every Tuesday at 7 AM (UK time)! Make sure to subscribe so you never miss the inspiring journeys and incredible stories of tough women pushing boundaries.  Do you want to support the Tough Girl Mission to increase the amount of female role models in the media in the world of adventure and physical challenges? Support via Patreon! Join me in making a difference by signing up here: www.patreon.com/toughgirlpodcast.  Your support makes a difference.  Thank you x *** Show notes Being based in the Scotland Highlands 2009/2010 - cycling from Scotland to China Being born in Scotland and moving to Switzerland at 5 years old Going to St. Andrews for University  Speaking; English, Swiss-German and German  Growing up in Switzerland and spending time in the outdoors Growing up with a lot of cultures  Wanting to take on this adventure and where the spark came from Being interested in long distance journeys Being inspired by Ffyona Campbell  Walking some long trails in New Zealand  Meeting her husband Ed at University  Wanting to do a longer trip after marriage  Heading off after she fished her PhD Studying genetics of the red deer in Scotland  Applying the lessons learned from studying for her PhD to planning the cycle ride Learning endurance from her PhD The logistics of getting visa's Not wanting to set a specific route in advance  Using paper maps and making route decisions as they went  Making some radical route decisions and deciding to go to Syria  Why it was one of the best decisions she's made (apart from marrying Ed!) The route - Scotland - Newcastle - Holland - Germany - France - Switzerland, Austria, Hungry, Serbia, Croatia, Albania, Greece, Syria, Turkey, Iran, the Stans…to China  Spending 2 months cycling around China The reality of what it was like being on the road Loving the experience most of the time! Meeting different people and experiencing hospitality in different countries Getting to the deeper levels of connection with people  Becoming comfortable with being uncomfortable in awkward social situations  The privilege of being a woman while travelling with her male partner  Getting to experience the best of both worlds What being a feminist means  The amazing women who are fighting against oppression around the world  Gender roles while travelling as a couple Having a love for writing  Keeping a journal to document the journey  Feeling depressed with what happened in Syria Doing volunteer work related to refugees  Wanting to tell the story of the people she met The Arab Spring and the refugee crises  Community Refugee Sponsorship The book being released in January 2026 - Tea and Grit: A Bicycle Journey along the Silk Road The point she wanted to make with the book Wanting to go on the same trip again  How to connect with Helen  Final words of advice and wisdom for other women who want to take on an adventure or challenge  Start with something that is a little bit outside your comfort zone and build up  Break it down     Social Media Website: www.helenwatsonwriting.com  Instagram: @helenwatsonwriter  The Book: Tea and Grit: A Bicycle Journey along the Silk Road  

What if your impulse spending is really misdirected generosity? In this first episode of a 3-part series on impulse spending, Dianne A. Allen sheds light on how impulse spending can show up for neurodivergent people as a form of philanthropic mindset. She explores how that impulse can come from seeking possibilities, excitement, and transformation, and how we can begin to discern between genuine generosity and simply chasing a dopamine hit. She also shares personal techniques she uses to manage impulse spending, how we can find the good in the ways we are wired, and how giving ourselves choice points can help us respond more intentionally. Catch this episode of Someone Gets Me and explore why your impulse spending might be more than just spending. It may be misdirected generosity asking to be understood.   Did you enjoy this episode? Subscribe to the channel, tap the notification bell, and leave a comment!   You can also listen to the show on Spotify, Apple Podcasts, and Amazon Music.   How to Connect with Dianne A. Allen   Dianne A. Allen, MA is an intuitive mentor, speaker, author, ambassador, hope agent, life catalyst, and the CEO and Founder of Visions Applied. She has been involved in personal and professional development and mental health and addiction counseling. She inspires people in personal transformation through thought provoking services from speaking and podcasting to individual intuitive mentoring and more. She uses her years of experience coupled with years of formal education to blend powerful, practical, and effective strategies and tools for success and satisfaction. She has authored several books, which include How to Quit Anything in 5 Simple Steps - Break the Chains that Bind You, The Loneliness Cure, A Guide to Contentment, 7 Simple Steps to Get Back on track and Live the Life You Envision, Daily Meditations for Visionary Leaders, Hope Realized, and Where Do You Fit In?   Website: https://msdianneallen.com/ Instagram: https://www.instagram.com/dianne_a_allen/ Facebook: https://www.facebook.com/msdianneallen/ LinkedIn: https://www.linkedin.com/in/dianneallen/# Twitter: https://x.com/msdianneallen   Check out Dianne's new book, Care for the Neurodivergent Soul. https://a.co/d/cTBSxQv   Visit Dianne's Amazon author page. https://www.amazon.com/stores/author/B0F7N457KS   You have a vision inside to create something bigger than you. What you need is a community and a mentor. Personal mentoring will inspire you to grow, transform, and connect in new ways. The Someone Gets Me Experience could be that perfect solution to bringing your heart's desire into reality. You will grow, transform, and connect. https://msdianneallen.com/someone-gets-me-experience/   For a complimentary “Get to Know You” 30-minute call: https://visionsapplied.as.me/schedule.php?appointmentType=4017868   Join our Facebook: https://www.facebook.com/groups/someonegetsme   Follow Dianne's Facebook Page: https://www.facebook.com/msdianneallen   Email contact: dianne@visionsapplied.com   Dianne's Mentoring Services: https://msdianneallen.com/  

Grab the Secondary Teacher Systems Toolkit here: https://khristenmassic.thrivecart.com/systemstoolkit/?ref=pod Too many preps and not enough time? Let's make your planning period actually work for you. Hop into the Unit Planning Lab here: https://khristenmassic.thrivecart.com/augustlab/?ref=podcast Planning for the next school year? If your day is organized by class period, your planning calendar should be too. Grab my Editable Class Period Calendar here: https://khristenmassic.com/secondarycalendarpodGet the Planning Period Reset Toolkit—a free set of quick-start tools to help you protect your time, focus faster, and finally finish something… even during chaotic school days. https://khristenmassic.com/resetShop my Teachers Pay Teachers store: https://www.teacherspayteachers.com/Store/Khristen-Massic-Cte-Teacher-CoachPlanning overwhelm often hides a more specific problem: you don't have a real stopping point. This episode of The Secondary Teacher Podcast makes the case for knowing when to stop planning, especially when every new unit feels like the first unit you've ever planned. You may know your content well, care deeply about your students, and still find yourself rebuilding everything from zero before you feel allowed to teach it.The usual standard for a “planned” unit is impossible to satisfy. Every lesson must be complete. Every resource must be created. Every example must be found. Every possible classroom decision must be made ahead of time. That version of planning never ends because there's always something else to add, improve, or prepare. The more you care, the more missing pieces you can see. That doesn't mean you're disorganized or failing. It means thorough teachers need a finish line that actually exists.The better standard is ready enough. Ready enough means you know what you're introducing and how you'll introduce it. You know how students will practice. You know what students are working toward producing. The structure is settled, even when every detail isn't predetermined. That's the point of knowing when to stop planning. You're not declaring the unit perfect. You're deciding that you know enough to teach it well and make the next decision when better information becomes available.This matters even more in a secondary classroom, where multiple preps can make every planning session feel like a negotiation with the clock. Starting with produce gives you a useful filter. First, identify what students are going to make, do, demonstrate, explain, design, or perform. Then ask whether the introduce phase gives students what they need to begin and whether the practice phase builds the skills they'll need. If a decision doesn't affect that path before day one, it may not belong on today's planning list.A major source of planning overwhelm is trying to predict what can only be learned through teaching. You might plan a practice structure, but you can't know in advance whether students will need to do it once, twice, or three times. You may need to watch the first round before deciding what happens next. Students might be ready to move on. A misconception might need attention. The class might need another round of practice. That isn't incomplete planning. That's teaching. Spending hours deciding before you have the evidence isn't preparation anymore. It's prediction.The episode also challenges the habit of collecting every engaging example ahead of time. One summer, the speaker spent significant time searching for movie clips to connect with future units. The goal was to find relevant examples before they were needed, but most of the clips didn't quite fit because the search happened without classroom context. Later, while watching a movie with a child, a moment on screen immediately stood out as exactly the example needed for the next day. The connection was easier to recognize because the learning was happening right then and the need was clear.That story changes what being prepared can mean. Stopping your planning doesn't mean you stop noticing useful ideas. It means you stop demanding that every possible good idea be found before a unit can be called ready. A little space can make you more responsive to what's actually happening in the room. It can also leave room for a connection to appear while you're living your life, watching a movie, driving to school, or doing something unrelated to teaching. Not every valuable classroom idea has to be manufactured during a Sunday planning session.This episode is for middle and high school teachers who keep extending the work because “finished” always moves farther away. It's for the teacher with several courses to prepare, the teacher who knows the content but keeps second-guessing the plan, and the teacher who wants effective classroom routines without turning every unit into a complete production before students arrive. The conversation offers practical teacher tips for deciding what must be settled now, what can wait until students begin practicing, and what may not need to happen at all.Before closing the laptop, replace “Is this completely finished?” with a more useful question: “Do I know enough to teach this well and make the next decision when I have better information?” That question protects your standards while giving planning a boundary. A ready unit has a direction, a way for students to get there, and enough structure to begin. It doesn't need every possible example, resource, or decision. Ready enough is a professional judgment call, not what happens after you run out of energy.If you want to work through the process with an actual unit, the episode points listeners to the Unit Planning Lab. Inside, the work centers on clarifying your produce, mapping the flow, sorting what you already have, and deciding what ready enough looks like for that unit before you walk into the classroom. The goal is a process that can travel across courses, preps, and content areas, including the courses that seem to have nothing in common. One well-built unit can give you more than something to teach. It can give you a repeatable way to decide, prepare, and stop.Stop planning like the finish line is allowed to run away.

Paul Nolte, Senior Wealth Advisor & Market Strategist for Murphy & Sylvest, joins Bob Sirott to talk about what Federal Reserve Chairman Warsh said about interest rates and why most of the attention continues to stay on Nvidia. He also discusses the current state of personal income and spending and the increase of corporate profits.

In this episode of Verdict with Ted Cruz, Senator Ted Cruz and Ben Ferguson discuss reported Chinese bot farm activity targeting the debate over AI data centers, the political and economic implications of America’s AI race with China, and the Trump administration’s newly announced Venezuela oil agreement. They examine potential benefits for energy production and jobs, concerns surrounding government equity ownership in private ventures, and broader questions about national security, economic policy, and technological leadership. China-linked bot networks are reportedly pushing anti-data center narratives across social media, raising new questions about artificial intelligence, energy infrastructure, and U.S. competitiveness. At the same time, the Trump administration has announced a major oil agreement involving Venezuela and access to an estimated 65 billion barrels of oil, a move that could carry significant economic and geopolitical consequences. Senator Ted Cruz and Ben Ferguson examine claims that Chinese influence operations are attempting to shape public opinion against AI data centers by amplifying concerns about electricity use and water consumption. They discuss why AI infrastructure has become a national security issue, how public perceptions have shifted in recent months, and what they see as the stakes in the competition between the United States and China. The episode also explores concerns about power generation, grid capacity, and the role data centers play in supporting AI development across industries ranging from healthcare to manufacturing and technology. Senator Cruz argues that future projects should generate sufficient power to avoid burdening local communities while delivering tangible benefits to residents. Topics Covered: Reported Chinese bot farm activity influencing debate over AI data centers AI infrastructure, national security, and competition with China Electricity demand, power generation, and data center policy debates The role of AI in healthcare, industry, and technological innovation Trump administration announcement of a Venezuela oil agreement involving 65 billion barrels of oil Concerns about federal government equity stakes in private companies and economic policy implications Please Hit Subscribe to this podcast Right Now. Also Please Subscribe to the 47 Morning Update with Ben Ferguson and The Ben Ferguson Show Podcast Wherever You get You're Podcasts. And don't forget to follow the show on Social Media so you never miss a moment! Thanks for Listening YouTube: https://www.youtube.com/@VerdictwithTedCruz/ Facebook: https://www.facebook.com/verdictwithtedcruz X: https://x.com/tedcruz X: https://x.com/benfergusonshowYouTube: https://www.youtube.com/@VerdictwithTedCruzSee omnystudio.com/listener for privacy information.

Want to Start or Grow a Successful Business? Schedule a FREE 13-Point Assessment with Clay Clark Today At: www.ThrivetimeShow.com   Join Clay Clark's Thrivetime Show Business Workshop!!! Learn Branding, Marketing, SEO, Sales, Workflow Design, Accounting & More. **Request Tickets & See Testimonials At: www.ThrivetimeShow.com  **Request Tickets Via Text At (918) 851-0102   See the Thousands of Success Stories and Millionaires That Clay Clark Has Helped to Produce HERE: https://www.thrivetimeshow.com/testimonials/ Download A Millionaire's Guide to Become Sustainably Rich: A Step-by-Step Guide to Become a Successful Money-Generating and Time-Freedom Creating Business HERE: www.ThrivetimeShow.com/Millionaire   See Thousands of Case Studies Today HERE: www.thrivetimeshow.com/does-it-work/  

In True Geordie Podcast Part 3, Kurt Angle goes even deeper into the highs, lows, and unforgettable moments of his wrestling journey. He reflects on the intense demands of performing at the highest level, the relationships and rivalries that shaped his career, and the challenges that followed him beyond the ring. With candid stories and personal reflections, Angle offers a rare look at the reality behind the superstar persona. The conversation also explores the evolving wrestling landscape and the new generation making their mark, including Logan Paul. Learn more about your ad choices. Visit megaphone.fm/adchoices

You're pouring hours into content (more Reels, more carousels, "maybe I need to start a YouTube channel" etc) and have convinced yourself that's what'll finally get you more clients - while barely touching the one thing that actually converts all that traffic: your website.What would actually happen if you went viral tomorrow? Would your website be ready to turn those people into paying clients, or would they land, get confused, and leave?

Do you know how much is in your super? Or what it's invested in?Most Australians know what's in their bank account but superannuation? Not a clue. This lack of attention has a cost- missing out on thousands more at retirement.So today, Jess gives her super a 5-step health check. She'd love for you to do the same alongside her.Walking us through the list is Jen, Head of Technical Services at MLC. Jen explains the small decisions that can make all the difference including; checking your fees, insurances and investment settings.By the end of this episode, you'll know exactly what to check, what to fix, and how to make super part of your financial habits.Chapters:00:00:00 Is Your Super Working Hard Enough?00:04:01 Where Is Your Super Actually Invested?00:08:30 The Hidden Cost Of Playing It Too Safe00:11:14 How Much Are Super Fees Costing You?00:14:28 The Insurance You Might Already Have00:22:22 Who Gets Your Super If You Die?00:27:00 Is Your Employer Paying Enough Super?00:29:27 Your 15 Minute Super Health Check00:32:00 How Often Should You Check Your Super?Links mentioned in this episode:

The U.S. national debt has crossed $40 trillion — but what does that actually mean for everyday Americans? In this episode of Dollars & Sense, Joel Garris and Zach Keister of Nelson Financial Planning break down the headlines in plain English and explain why the debt conversation is important, but not necessarily a reason to panic.They also discuss one of the most common retirement planning questions: How much can you really spend in retirement without running out of money? From the well-known 4% rule to more flexible retirement income strategies, Joel and Zach explain why retirement spending should be personalized, adaptable, and based on real life — not just a single percentage.Finally, they introduce the concept of a Financial Death Box: a centralized place to organize important documents, account information, insurance policies, passwords, and instructions for loved ones. While the name may sound intimidating, this simple planning tool can be one of the most thoughtful gifts you leave your family.In this episode, we discuss:What America's $40 trillion debt milestone meansWhy debt-to-GDP mattersHow national debt can affect interest rates, taxes, and future planningThe 4% rule and why retirement withdrawal rates should be flexibleWhy many retirees may spend less as they ageHow to organize a Financial Death BoxWhy planning ahead can create confidence for you and your familyWhether you're preparing for retirement, thinking about your financial plan, or simply trying to make sense of today's headlines, this episode offers practical perspective and actionable takeaways.

You're listening to American Ground Radio with Louis R. Avallone and Stephen Parr. This is the full show for August 28, 2026. We open with Florida's move to ban welfare cash assistance from covering tattoos, video games, theme park tickets, vaping products, and even psychic services, and we dig into why Governor DeSantis's crackdown on TANF spending should spread nationwide. We run through our Top 3, covering a Boston judge blocking Trump's mail-in ballot security measures again, the clearing of Iranian mines from the Strait of Hormuz, and a military judge tossing out Khalid Sheikh Mohammed's 9/11 confession over coercion claims. We also can't resist poking fun at CNN's embarrassing mix-up using a Dolly Parton impersonator's photo to announce the real Dolly Parton's death. Our American Mamas, Teri Netterville and Kimberly Burleson, join us to talk about Brian Guan, the atheist whose 30-day experiment cosplaying as a Christian led him to tears and a genuine conversion by day 20, and we draw the parallel to C.S. Lewis and Lee Strobel's own journeys from skepticism to faith. Digging Deep, we tackle Los Angeles Mayor Karen Bass halting citations for unlicensed street vendors, the sinking marshlands of South Louisiana, and how SpaceX's new $100 billion spaceport might do more to protect the coastline than decades of lawsuits, plus a detour into why capitalism protects what people can profit from. We talk through President Trump's self-ranking as the greatest president in history and whether confidence like that is healthy or just bluster, before diving into Fake News Friday with our usual mix of real, fake, and really fake headlines. We close out with an update on birthright citizenship litigation and a story about Millie, the 31-year-old cat who may hold a world record. Listen now wherever you get your podcasts, visit AmericanGroundRadio.com, and join the conversation at 866-AGR-1776. See omnystudio.com/listener for privacy information.

What does becoming a master-level coach actually involve, and is the gap between where you are today and coaching mastery as large as it can sometimes feel? In this episode, we explore the journey towards master-level coaching and why accreditation is about far more than accumulating coaching hours. Whether you are an experienced coach considering your next accreditation or at the beginning of your coaching journey, understanding the pathway early can help you make intentional decisions about your professional development. We explore three important areas that contribute to coaching mastery: professional maturity, reflective practice and contribution to the profession. Contribution can take many forms, including volunteering with professional bodies, sharing learning, publishing, research, supervision, participating in professional groups or creating resources that help other coaches. The important distinction is that genuine contribution extends beyond promoting our individual coaching businesses and demonstrates an ongoing commitment to strengthening the wider profession. Professional maturity is also about far more than time served. Different accrediting bodies have different requirements around experience, coaching hours and training, but mastery also involves developing a distinctive professional identity, learning to work with complexity, navigating ethical dilemmas and integrating our learning so that we are no longer dependent on individual coaching models. Our CPD choices gradually tell the story of who we are becoming as coaches and the areas in which we are choosing to deepen our practice. Finally, we look at reflective practice and the value of building strong habits long before an accreditation application is due. Coaching logs, reflective diaries, supervision and peer reflection all help us understand how our practice is evolving. We also encourage coaches who aspire to mastery to spend time with master-level practitioners. The differences between coaching levels can be subtle yet significant, and the journey becomes far less intimidating when we see mastery not as an unreachable destination, but as the cumulative result of thoughtful development, reflection, experience and contribution over time. Timestamps 00:09 What does master-level coaching mean? 00:48 Three elements of the pathway to mastery 02:46 Why contribution to the profession should start early 03:56 Different ways coaches can contribute 05:35 Contribution versus promotion 07:23 Coaching supervision as professional contribution 09:00 How supervision can open new opportunities 09:58 Publishing, volunteering and professional bodies 12:00 Planning for mastery before you need accreditation 13:15 Different accreditation requirements 13:42 Developing a distinctive professional identity 15:01 Ethical maturity and experience 16:31 CPD and the story of your coaching development 18:26 Consistency and reflective practice 19:32 Keeping coaching logs and recorded reflections 21:33 Supervision and advanced coach development 22:11 Final reflections and resources Key Lessons Learned Master-level coaching is not purely about accumulating coaching hours. Professional maturity, reflective practice and contribution to the profession are all important parts of the journey. Coaches benefit from understanding the requirements of their chosen accrediting body well before they are ready to apply. Contribution to the profession should be genuine, sustained and broader than marketing an individual coaching business. Volunteering, publishing, research, professional groups and supervision can all provide ways to contribute. Coaching supervision can deepen reflective practice while also creating opportunities to support the development of other coaches. Professional maturity includes developing a distinctive coaching identity and becoming increasingly comfortable working with complexity. Ethical maturity develops through experience, reflection and navigating challenging situations. CPD is more powerful when it shows consistent curiosity and development over time rather than becoming a last-minute accreditation exercise. Regular coaching logs and reflective records make future accreditation considerably easier. Spending time with master-level coaches can make the pathway feel more tangible and achievable. Accreditation Note The episode discusses examples of requirements from professional coaching bodies, including the EMCC and ICF, as they were understood at the time of recording. Accreditation pathways and requirements can change, so coaches should check the current criteria directly with their chosen professional body before planning or submitting an application. SEO Keywords master-level coach, coaching mastery, master coach accreditation, coaching accreditation, professional coach development, reflective practice, coaching supervision, coach CPD, EMCC accreditation, ICF accreditation, coaching professional development, advanced coach training Links & Resources In Good Company: igcompany.com Coaching Supervision Training: www.igcompany.com/supervisiontraining  Professional organisations discussed: EMCC: European Mentoring and Coaching Council ICF: International Coaching Federation Association for Coaching CIPD: Chartered Institute of Personnel and Development ILM: Institute of Leadership and Management

In True Geordie Podcast Part 2, Kurt Angle continues the conversation with more candid stories from his extraordinary wrestling career. From the pressures of fame and life inside WWE to personal struggles, legendary rivalries, and the changing world of professional wrestling, Angle offers a rare perspective shaped by decades at the top. The discussion also looks at what the future could hold for Logan Paul and the next generation of wrestling stars. Honest, reflective, and packed with behind-the-scenes insight, this episode goes deeper into the highs, lows, and lasting legacy of Kurt Angle. Learn more about your ad choices. Visit megaphone.fm/adchoices

Veronique de Rugy of the Mercatus Center details the alarming surge of the United States gross national debt to record heights, exceeding forty trillion dollars. She argues that the country suffers from an out-of-control spending problem rather than a lack of tax revenue, citing massive unpaid pandemic spending. De Rugy blames both political parties for avoiding structural reforms and warns of the critical 2032 deadline when Social Security and Medicare funding will face automatic, severe cuts. She predicts that Congress will resort to further debt and inflation, which will heavily penalize the public, while indebted European nations face similar struggles. (3)

Merriam-Webster's Word of the Day for August 29, 2026 is: kith • KITH • noun Kith is an old-fashioned term that refers to familiar friends, neighbors, or relatives. It is often used in the phrase “kith and kin,” which means “friends and relatives.” // Spending time with kith and kin at the end of the summer is the highlight of our year. See the entry > Examples: “One thing that you could usually count on was the loyalty of your kith and kin, your friends and family. But now it seems that the closeness of family and relatives is more difficult to maintain in the modern world.” — James Morabito, The Buffalo (New York) News, 26 July 2026 Did you know? If you'd used the word kith a thousand years ago, you might have been referring to knowledge, or to a homeland, or to your neighbors and acquaintances. While those first two meanings of kith have long since fallen out of use, the word endures with a meaning very close to that “neighbors and acquaintances” one. Today kith appears almost exclusively in the phrase kith and kin, meaning “friends and relatives.” (Kin, another ancient word, can also refer independently to relatives.) Occasionally you will see kith and kin used to refer only to family members, much to the chagrin of those who despise redundancy in language. If you wish to avoid redundancy charges you'll be sure to include friends as well as family among your “kith and kin.”

Jim and Chris discuss listener emails on Social Security survivor benefits and earnings records, financing a home purchase, and using a fixed indexed annuity (FIA) for discretionary spending. (11:15) A listener asks why a Social Security estimate lists a $3,944 survivor benefit rather than the projected $5,101 age-70 benefit and which amount would actually be paid. (21:45) The guys consider whether adding previously omitted stock option income to a 2017 earnings record could result in higher Social Security benefits and back pay. (31:30) Jim and Chris weigh using a 60-day IRA or Roth IRA rollover to finance a home purchase before selling the current home against a HELOC or mortgage. (55:15) Another listener asks for their thoughts on using a fixed indexed annuity (FIA) with an income rider to support discretionary spending and how it compares with their simpler annuity strategies. The post Social Security, Social Security, Home Purchase, Fun Spending: Q&A #2635 appeared first on The Retirement and IRA Show.

Welcome to Dentist Money Two Cents, a look at the latest financial and economic news from the past week.
 On this episode of Dentist Money's Two Cents, Matt, Jake, and Rabih break down what rising national debt could mean for the economy and your portfolio, explain why 401(k)s can be one of the most powerful & overlooked tools for building wealth. Finally, they explore the cultural and economic factors driving the rise in hobby spending. Book a free consultation with a CFP® advisor who only works with dentists. Get an objective financial assessment and learn how Dentist Advisors can help you live your rich life.

 Chris Markowski delves into the complexities of the current financial landscape, addressing the alarming rise in national debt, government spending, and the implications for the average American. He emphasizes the importance of understanding these issues to achieve financial freedom and warns of the potential for a stock market crash. Markowski advocates for personal responsibility in financial education and investment strategies, urging listeners to take ownership of their financial futures.

Link Up w/The Morning Sickness Digitally All Over:Instagram: @hms_98_official, @bosskupd, @bretvesely, @dickToledoX/Twitter: @HMSon98, @DickToledo, @bretveselyFacebook: @HMSKUPDYouTube: @hmspodcast9320, @98kupdRequest/Call in/Wakeup Song line:(IN AZ) 602.585.9800More HMS: www.holmbergpodcast.com, www.98kupd.comEmail: dtoledo@98kupd.com, bvesely@98kupd.com, bbogen@98kupd.comSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

On the True Geordie Podcast, Kurt Angle opens up about his past struggles with addiction, revealing the reality of spending thousands of dollars each month on drugs. The conversation also explores the tragic death of Chris Benoit, the darker side of professional wrestling, and what could lie ahead for Logan Paul. With personal stories, difficult questions, and honest reflections on fame, addiction, and the wrestling world, this episode offers a revealing look at the experiences that shaped one of wrestling's most recognizable stars. Learn more about your ad choices. Visit megaphone.fm/adchoices

Former Major League Baseball pitcher Brandon Puffer reached the highest level of the game. Then his life took a dramatic turn that ultimately led him from the bullpen to prison. In this powerful episode of The Gametime Guru, Brandon shares his remarkable journey through professional baseball, addiction, incarceration, accountability, faith, sobriety, forgiveness, and redemption. Brandon was drafted by the Minnesota Twins directly out of high school and spent years grinding through the minor leagues. He was released by multiple organizations, continued fighting for another opportunity, and eventually made a pitching adjustment that changed the trajectory of his career: dropping down and throwing sidearm. That adjustment helped Brandon climb through professional baseball and ultimately earn his call to Major League Baseball. He would go on to pitch for organizations including the Houston Astros, San Diego Padres, San Francisco Giants, and Boston Red Sox organization while competing against some of the biggest names in the sport. But Brandon's story goes far beyond baseball. He openly discusses his battle with alcohol, losing his sobriety, ignoring warning signs, and making decisions that eventually resulted in his arrest, conviction, and a five-year prison sentence. Brandon ultimately served three and a half years behind bars. What makes this conversation so impactful is Brandon's willingness to take responsibility for what happened. He does not make excuses. Instead, he talks about the ripple effect of our choices, the people who were hurt by his actions, and why true redemption requires accountability. Brandon shares what it was like to surrender his life to God while incarcerated, walk out of prison with almost nothing, rebuild relationships with his children, take a humbling job working maintenance at a baseball stadium, and slowly rediscover his purpose. Today, Brandon uses his experiences to mentor young athletes, speak to people facing difficult circumstances, return to prisons to share his story, and encourage others to recognize the warning signs in their own lives before it is too late. In this episode, we discuss: Getting drafted by the Minnesota Twins out of high school The grind and uncertainty of Minor League Baseball Being released multiple times and refusing to quit The sidearm pitching adjustment that changed Brandon's career Getting the call to Major League Baseball His unforgettable MLB debut Pitching against some of baseball's biggest stars His first Major League win Addiction and losing his sobriety The warning signs Brandon ignored The night that changed the direction of his life Receiving a five-year prison sentence Spending three and a half years incarcerated The impact his choices had on his family and others Why accountability is essential to redemption Surrendering his life to Christ Starting over after prison Rebuilding relationships with his children Grace, forgiveness, faith, and nearly 18 years of sobriety Why isolation can make our struggles more dangerous Brandon's advice for anyone who knows they need help His book, From the Bullpen to the State Pen Connect with Brandon Puffer: Website: www.coachpuffpositive.com Instagram: @coachpuffpositive X: @coachpuffpositv Brandon's Book: From the Bullpen to the State Pen Available on Amazon. If Brandon's story resonates with you, share this episode with someone who may need to hear the message that your worst decision does not have to become the final chapter of your life. Accountability, humility, faith, and the willingness to ask for help can change the direction of your story. Subscribe to The Gametime Guru for more conversations with athletes, coaches, sports executives, agents, entrepreneurs, and inspiring people who share the lessons behind their journeys in sports and life.

In the second hour, Dave Softy Mahler and Dick Fain chat with Bret Boone about the Mariners passing on Geno Suarez, the up and down swings of the last week, star bats stepping up recently, Bryce Miller’s potential move, and more, then the guys talk about NFL spending correlating to titles and title contention, and the top NFL coaches ranked.See omnystudio.com/listener for privacy information.

Link Up w/The Morning Sickness Digitally All Over:Instagram: @hms_98_official, @bosskupd, @bretvesely, @dickToledoX/Twitter: @HMSon98, @DickToledo, @bretveselyFacebook: @HMSKUPDYouTube: @hmspodcast9320, @98kupdRequest/Call in/Wakeup Song line:(IN AZ) 602.585.9800More HMS: www.holmbergpodcast.com, www.98kupd.comEmail: dtoledo@98kupd.com, bvesely@98kupd.com, bbogen@98kupd.comSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Debbie Jellinsky is the gold-digging, murderous, glamorous, Black Widow in Addams Family Values who when Fester says gimme a kiss, she says gimme a 20. Today, we honour her legacy. In this episode, I explore Addams Family Values (1993) and its portrayal of achieving one’s identity through consumption. I talk about: Debbie Jellinsky’s origin story How Debbie never felt understood by her parents and sought to fill this void through consumer items What the consumption habits of adolescents reveal about their values and aspirations How companies cash in on our emotions How increased emotional awareness can reduce emotional spending How the devil tarot card shows the trap of attempting to find fulfillment through possessions Mental Health is Horrifying is hosted by Candis Green, Registered Psychotherapist and owner of Many Moons Therapy, and is proudly produced in partnership with iHeartRadio Canada. ..............................................................Show Notes: My debut book, HOW TO BE A FINAL GIRL; A Mental Health Survival Guide According to the Horror Genre will be horrifying bookshelves fall 2027. (https://www.manymoonstherapy.com/book) Tarot for Creative Therapists — Join this course designed for mental health professions who want to learn how to confidently and ethically incorporate tarot into clinical work. (https://candisgreen.podia.com/tarot-for-creative-therapists) Podcast artwork by Chloe Hurst at Contempo Mint Theme music is by Sound Gallery by Dmitry Taras via pixabay All sound effects and music via pixabay Aspiring, Consuming, Becoming: Youth Identity in a Culture of Consumption The prevalence of compulsive buying: a meta‐analysis

Martha Njolomole is an economist with the American Experiment North Dakota and the author of a new report on North Dakota's budget trends called "From Boom to Balance: Smart Spending for an Uncertain Future." Her argument is that North Dakota is spending too much money. "We've seen in the last couple years that North Dakota is spending more money than it is collecting particularly in the general fund budget which is really what most people refer to as as the budget," she said on this episode of Plain Talk. She said this "structured deficit" has been obscured by balances from the state's various funds, but contends "that at a certain point you're going to run out of those balances and you won't be able to maintain your current spending trends." "It's pretty much like a family that earns $3,000 a month but they're living at $4,000 a month," she contends. North Dakotans have been feeling the impact of this, she says, "I think probably because of the oil and gas industry a lot of taxpayers...don't feel the pain and the cost of big government in North Dakota." Njolomole and her group aren't alone in flagging this spending trend. In April, when Gov. Kelly Armstrong released his budget guidelines for the coming biennium, he called the state's spending growth "unsustainable." Particularly in that a lot of the state's spending is based on reserve funds and not ongoing revenues. In fact, in every budget cycle since the 2017-2019 biennium, most of the state's spending has come from these so-called "special funds" as opposed to general fund revenues from things like the sales and income taxes. Despite this, the American Experiment North Dakota report also calls for eliminating North Dakota's income tax, something we challenged Njolomole on. How can you advocate reducing revenues at a time when spending is exceeding revenues? This report also criticizes North Dakota for being too dependent on revenues from oil and gas activity, but wouldn't eliminating the income tax make the state more dependent on those revenues? We asked Njolomole about it. Also on this episode, co-host Chad Oban and I discuss the Protect College Sports Act, and whether or not the status quo in college sports deserves to be protected. If you want to participate in Plain Talk, just give us a call or text at 701-587-3141. It's super easy — leave your message, tell us your name and where you're from, and we might feature it on an upcoming episode. To subscribe to Plain Talk, search for the show wherever you get your podcasts or use one of the links below. Apple Podcasts | Spotify | YouTube | Pocket Casts | Episode Archive

Martha Njolomole is an economist with the American Experiment North Dakota and the author of a new report on North Dakota's budget trends called "From Boom to Balance: Smart Spending for an Uncertain Future." Her argument is that North Dakota is spending too much money. "We've seen in the last couple years that North Dakota is spending more money than it is collecting particularly in the general fund budget which is really what most people refer to as as the budget," she said on this episode of Plain Talk. She said this "structured deficit" has been obscured by balances from the state's various funds, but contends "that at a certain point you're going to run out of those balances and you won't be able to maintain your current spending trends." "It's pretty much like a family that earns $3,000 a month but they're living at $4,000 a month," she contends. North Dakotans have been feeling the impact of this, she says, "I think probably because of the oil and gas industry a lot of taxpayers...don't feel the pain and the cost of big government in North Dakota." Njolomole and her group aren't alone in flagging this spending trend. In April, when Gov. Kelly Armstrong released his budget guidelines for the coming biennium, he called the state's spending growth "unsustainable." Particularly in that a lot of the state's spending is based on reserve funds and not ongoing revenues. In fact, in every budget cycle since the 2017-2019 biennium, most of the state's spending has come from these so-called "special funds" as opposed to general fund revenues from things like the sales and income taxes. Despite this, the American Experiment North Dakota report also calls for eliminating North Dakota's income tax, something we challenged Njolomole on. How can you advocate reducing revenues at a time when spending is exceeding revenues? This report also criticizes North Dakota for being too dependent on revenues from oil and gas activity, but wouldn't eliminating the income tax make the state more dependent on those revenues? We asked Njolomole about it. Also on this episode, co-host Chad Oban and I discuss the Protect College Sports Act, and whether or not the status quo in college sports deserves to be protected. If you want to participate in Plain Talk, just give us a call or text at 701-587-3141. It's super easy — leave your message, tell us your name and where you're from, and we might feature it on an upcoming episode. To subscribe to Plain Talk, search for the show wherever you get your podcasts or use one of the links below. Apple Podcasts | Spotify | YouTube | Pocket Casts | Episode Archive

Send us Fan MailOn this episode of the MLS Aces Podcast, Tom & Jason chat:-USMNT talent on the move in Europe; Rokas Pukstas,  Caleb Wiley, Damion Downs, and more-Potential new MLS Cup Playoffs format being discussed-Kily Gonzalez announced as Inter Miami's newest Manager-MLS's Leagues Cup failures as all 4 MLS clubs lose in the Quarterfinals to Liga MX sides-Sporting Kansas City's spending spree & roster moves; Andre Luiz, Owen Wolff, Dejan Joveljic, Manu Garcia, & Nico Fernandez offer to NYCFC-Dejan Joveljic arriving to the Seattle Sounders-Austin FC clearing house & making moves ahead of 2027; Owen Wolff, Jayden Nelson, new Sporting Director Khaled El-Ahmad, and more-Atlanta United land their next star DP, Breel Embolo coming over from Ligue 1-Portland Timbers sale of Kevin Kelsy to Rangers FC in Scotland for $13m fee-Real Salt Lake officially selling Zavier Gozo to Crystal Palace in the Premier League-Mark McKenzie's return to MLS & the Philadelphia Union ahead of the 2027 season-And much more! Make sure to follow us on all platforms below: Twitter: @MLSAces, @TomSweez @JasonVevang Bluesky: https://bsky.app/profile/mlsaces.bsky.social YouTube: https://www.youtube.com/watch?v=57HyLwm_4KE Spotify: https://open.spotify.com/show/2fm8aU6lSzwSFIfotfpldh?si=3a2afac5cd624073&nd=1&dlsi=6515bdde8a6f4d27Support the show

Germany's Ifo Institute reported this week that its aging population is pushing social spending to record highs, a fiscal dynamic that closely mirrors the pressures the US Social Security and Medicare systems are heading toward. We examine what demographic-driven fiscal stress looks like, how it affects bond markets and currency strength, and what lessons American investors can draw.Today's Stocks & Topics: Old Dominion Freight Line, Inc. (ODFL), Market Wrap, Sibanye Stillwater Limited (SBSW), Lockheed Martin Corporation (LMT), The Charles Schwab Corporation (SCHW), Single Stock ETFs, Barrick Mining Corporation (B), Germany's Aging Population and Record Social Spending: A Preview of America's Fiscal Future?, State Street SPDR S&P Health Care Services ETF (XHS), Sectors to Invest In, LeMaitre Vascular, Inc. (LMAT), The Hackett Group, Inc. (HCKT), Caterpillar Inc. (CAT), GE Vernova Inc. (GEV), Bad Investments.Our Sponsors:* Check out Anthropic and use my code Claude.ai/invest for a great deal: https://www.anthropic.com* Check out Quince and use my code quince.com/INVEST for a great deal: https://www.quince.comAdvertising Inquiries: https://redcircle.com/brands

On this week's episode we review some interesting research on kinship diversion, emergency placements and the nexus between child welfare systems and immigration under Trump. Then we discuss some local headlines on state child welfare spending and the result of two recent legal challenges.Reading RoomHow Are Heightened Deportation Efforts Affecting Child Welfare Agencies?https://shorturl.at/AqJ4K State Tracking of Kinship Diversion Can Inform the Fieldhttps://media.childtrends.org/media/StateTrackingofKinshipDiversion_ChildTrends_July2026.pdf‘Dehumanizing' Placements in Hotels and Offices: First-Ever National Survey Finds Thousands of Foster Youth Are Sent to Substandard Emergency Placementshttps://imprintnews.org/top-stories/dehumanizing-placements-in-hotels-and-offices-first-ever-national-survey-finds-thousands-of-foster-youth-are-sent-to-substandard-emergency-placements/276268‘When I Had No One, I Had Them': Young Moms Lose FSU Foster Care Program Liifelinehttps://www.miamiherald.com/news/local/community/miami-dade/article316580993.htmlCiting Siders Case, Ohio Lawmakers Urge Max Foster Care Rateshttps://www.statenews.org/government-politics/2026-08-19/citing-siders-case-ohio-lawmakers-urge-max-foster-care-ratesSome Lawmakers Frustrated by Morrisey's Hidden Details of Federal TANF Spendinghttps://westvirginiawatch.com/2026/08/21/some-lawmakers-frustrated-by-morriseys-hidden-details-of-federal-tanf-spending/State Lawmakers Gave Louisiana Foster Parents More Money — or So They Thoughthttps://lailluminator.com/2026/08/21/foster-care-money/High Court: Maine Wrongly Terminated a Mother's Parental Rights Because She Couldn't Find an Affordable Homehttps://themainemonitor.org/maine-wrongly-terminated-parental-rights-affordable-home/Once Again, NY Appeals Court Rules CPS Cannot ‘Unlawfully' Investigate Parents With Abusive Partnershttps://imprintnews.org/top-stories/once-again-ny-appeals-court-rules-cps-cannot-unlawfully-investigate-parents-with-abusive-partners/276699

Elizabeth Dunn is a professor of psychology at the University of British Columbia, and director of their Happiness Lab. She's also the co-author of two books, Leave the Lights On: How Joyful Decisions Can Save Our Species and Happy Money: The Science of Happier Spending. Greg and Elizabeth discuss how her work links common errors in forecasting happiness with misunderstandings about carbon impact. Elizabeth argues that experiences generally bring more lasting joy than material goods do because of comparison and hedonic adaptation. However, savoring and creating scarcity can renew enjoyment. She shares experiments showing people become happier when spending money on others, with studies where participants were given cash and a TED-backed $10,000 project where other-focused spending and charitable donations produced the greatest happiness. On climate, Elizabeth says guilt and fear exhaust people, and a better plan would be “more math, less moralizing,” focusing on high-impact actions like commuting choices, housing size and location relative to work, and travel decisions (nonstop flights, carry-on). She also debunks myths about straws and individual AI use, highlights contagious positive behaviors like solar adoption, defends having children, and emphasizes voting and civic action as key ways to make a difference alongside individual change. And for curious car fans, Greg's college and current car is a 1983 Mercedes 240d, which is described as a legendary, over-engineered diesel sedan built on the indestructible W123 platform. *unSILOed Podcast is produced by University FM.* Episode Quotes: Why time is more valuable than money 37:27: People who prioritize time over money end up happier than people who prioritize money over time. So, for example, we followed students who were graduating from the University of British Columbia. We measured whether they tended to prioritize time or tended to prioritize money, and what we discovered was that students who reported prioritizing time at the end of their university career ended up happier one to two years after graduating, and that was because they chose to engage in more intrinsically enjoyable activities, like choosing a graduate school or a job that they found intrinsically enjoyable and motivating. And I would just say on sort of the climate side of things, for many people who care about climate change, being able to take a job that enables them to contribute on this topic is something that could be really valuable. How climate action can make us happier 29:09: Climate change is scary, and it is something that can make people very concerned, but recognizing this threat is actually a wonderful opportunity to change our lives in ways that can actually make us happier. On focusing on what actually matters 30:05: Since actually doing all of this research and learning a lot more about climate change, what I've learned is that I could actually leave all the lights on in my two-bedroom condo for the rest of my life, and the carbon emissions would be equivalent to eating 13 hamburgers... And so some of the things that people are kind of wagging their fingers about don't really matter, and there are all these other actions that really do matter that are quite impactful and can actually make us feel good. And, in fact, we don't need to shame other people into doing them. Show Links: Recommended Resources: Scarcity Mindset Chris Anderson - TED The Deadweight Loss of Christmas Greta Thunberg Carbon Footprint Calculate Your Carbon Footprint Guest Profile: Faculty Profile at the University of British Columbia Profile on Wikipedia Social Profile on X Guest Work: Amazon Author Page Leave the Lights On: How Joyful Decisions Can Save Our Species Happy Money: The Science of Happier Spending If you enjoyed this show, here are some other unSILOed episodes you may like: 442: Michael Norton - Enhancing Community and Connection with Rituals Sonja Lyubomirsky Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

On this Salcedo Storm Podcast:Dr. Darrell Jones is President of the Stanley M. Herzog Charitable Foundation, where he has led the organization's national growth and expanded support for Christ-centered K–12 education since 2021. Under his leadership, the Foundation has launched initiatives that equip Christian schools, educators, and families across the country, helping drive the opening of nearly 200 new Christian schools in 2026.

After realizing the customer acquisition cost with Apple Search Ads and Meta Ads was too high to scale his app, Michael Butler looked for a better acquisition model. In the process, he discovered an opportunity to solve an overlooked growth marketing problem: no reliable way to track app transactions back to the affiliates or influencers driving them. In this episode, the Insert Affiliate founder explains how app marketers can turn creator partnerships into a measurable acquisition channel using attribution links, referral codes, and real-time transaction tracking. Michael also shares why engaged micro-influencers can outperform larger creators, how to structure revenue share, and why affiliate marketing is becoming more compelling as traditional user acquisition costs continue to rise. Questions Michael Butler answered in this episode: What is affiliate marketing, and how does it work specifically for mobile apps? How can app marketers attribute transactions and revenue back to individual affiliates and creators? What problem led Michael to build Insert Affiliate? Why has affiliate marketing historically been underused compared with traditional paid UA? What does a simple affiliate marketing program look like for an app launching one for the first time? Which types of apps and verticals tend to perform best with affiliate marketing? What does “optionality” in affiliate attribution mean, and why does it matter? Is it better to recruit hundreds of affiliates or focus on a smaller group of highly engaged creators? Should app marketers compensate creators with flat fees, recurring revenue share, or a combination of both? How much commission should an app offer its affiliates, and should that commission be based on installs or sales? Timestamp: 00:00 — Introduction: Making affiliate marketing measurable for apps 00:41 — What affiliate marketing means for mobile apps 01:01 — How Insert Affiliate tracks referrals and commissions 01:21 — The acquisition problem that inspired Insert Affiliate 02:07 — How affiliate traffic and transactions are attributed 03:01 — Spending nearly £30K on Apple Search Ads and searching for an alternative 04:22 — Why affiliate marketing has been underused in mobile UA 05:47 — How to launch a simple affiliate program 07:07 — Which app categories perform best with affiliates 08:13 — Attribution optionality: links, short codes, and incentive structures 10:11 — How None To Run generated $5K with a handful of affiliates 11:47 — Quality vs. quantity when recruiting creators 14:00 — Flat fees vs. recurring revenue share 14:55 — Turning affiliate UGC into paid advertising 15:35 — How much commission should apps pay affiliates? 16:49 — The biggest misconceptions about affiliate marketing 18:17 — Rapid-fire questions 20:04 — Michael's guide to visiting Jersey Island 21:03 — Final thoughts and where to connect with Michael Quotes: (7:39) "If you know who your customers are and where they hang out, you'll also learn which influencers and affiliates are going to resonate with them.” (12:40) “If you find an affiliate that's a really good fit, really likes what you're building, and will post about it in a very genuine way, they don't need a large audience -- just an engaged one.” (17:39 “You need to give influencers some guidance. It's the same as hiring any sort of staff member. If you bring them on but don't give them training or show them your product, they're going to be a lot less effective.” Mentioned in this Episode: Michael Butler's LinkedIn Michael's Calendly Insert Affiliate

In this episode, host Don sits down with Danielle Hayden, CEO of Kickstart Accounting, to address a costly problem in aesthetic practices: buying equipment based on enthusiasm or a sales promise instead of financial readiness. Danielle breaks down the three numbers that should guide any capital purchase, rolling 12-month revenue, average net profit, and monthly cash outflow, and explains how to model a device at 25%, 50%, and 75% utilization. She also shares practical spending benchmarks for marketing, facility costs, and payroll. Her framework is clear: build a money team, review numbers monthly, and ask what happened, why it happened, and what you will do next. Keep the 10-year North Star fixed, reforecast the budget as conditions change, and never let a profitable P&L hide a cash-flow problem.

Do you have a leaky lead bucket? AI can seal the cracks! Spending more on marketing and software but still missing calls, losing leads, and chasing chaos?

Chris’s Summary Jim and I continue our discussion on the Fun Number, this time as a dialogue episode built around one listener’s hesitation around spending retirement savings and how growth and legacy positioning and establishing his SEAL Reserve helped him work through it. We revisit the seesaw framework for undeployed assets, clarify how the SEAL Reserve consolidated the old reserve positions, and explain why the Fun Vision is never set in stone and can and should be revisited. Jim’s “Pithy” Summary Chris and I are picking the Fun Number conversation back up in dialogue form this week, working through a long email from a listener whose growth and legacy positioning helped him get more comfortable with spending retirement savings after years of struggling to spend the money he worked his whole life to save. I have spent twenty-seven years questioning the safe withdrawal rate approach, and this listener took what we teach and reshaped it around his own need for peace of mind. He admitted flat out that spending money is difficult for him, and I don’t think that makes him an anomaly. Honestly, that’s the norm for most people entering retirement. I compare it to growing lettuce in my own garden, nursing it from seed, only to cut it down and eat it. You still do it, but there is a pull to let it keep growing. That is why we built the Minimum Dignity Floor first: the older you gets an explicit promise that food, housing, and healthcare are covered no matter what, so the younger you can give yourself permission to spend on fun. This listener wanted more comfort than that alone gave him. So we walk through where that extra comfort came from for him. The post Spending Retirement Savings: EDU #2634 appeared first on The Retirement and IRA Show.

Brooklyn is the team nobody wants to draw, New Jersey may have made the wrong pick, and St. Louis looks like a machine built to steamroll the bracket. If you care about the MLP playoff picture, this is the episode that makes the whole weekend feel bigger. Nico and Zane break down the biggest decisions heading into New York, including the shocking New Jersey vs. Brooklyn matchup choice, whether lineup changes are coming, and why the Shock, Fives, and Flash all have very different paths to the title. They also rank every possible finals matchup and explain which championship pairing would be electric, which would be a letdown, and why this postseason could finally deliver the rivalry pickleball has been waiting for. Then Grayson Goldin joins the show for one of the most powerful comeback stories in pro pickleball. Six months after suffering two strokes and losing his ability to speak, Grayson returns to the court and wins gold in Shenzhen, describing the fear, the recovery, the rehab, and the mental battle behind getting his game and his voice back.

The news of Texas covered today includes:Our Lone Star story of the day: Good news for Taylor and Ector County taxpayers – your county officials are not raising your property taxes this next year. Overall, going on 20-years, taxpayers in Texas have been getting a raw deal from local governments, especially municipalities as city council folk have increased the size of government spending grossly beyond population and inflation. This story at The Texan gives a good summary of such looking at the cities of the Texas Triangle.Our Lone Star story of the day is sponsored by Allied Compliance Services providing the best service in DOT, business and personal drug and alcohol testing since 1995.Attorney General Ken Paxton Secures Over $1 Billion from Meta in Historic Settlement that Protects Texas Kids Online. Massive Meta settlement targets teenage social-media addiction.The 87-year-old federal judge from New York needs to retire and go back to the Empire (formerly) State because he would be more comfortable living under Leftist Gov. Hochul: Texas' limits on some drag shows found unconstitutional again.Gov. Greg Abbott wants three-year bachelor's degrees in Texas. Governor Abbott Directs THECB To Develop Three-Year Bachelor's Degree Pathways.Ross Fire in Texas grows to 80,000 acres as winds shift.Listen on the radio, or station stream, at 5pm Central. Click for our radio and streaming affiliates.www.PrattonTexas.com

Ramit unpacks how to stop overspending, stay out of debt, and start building wealth as this couple confronts the spending habits they thought they had already fixed. Three years ago, Mason and Becca finally confronted a financial reality they had been avoiding. Despite good careers and the appearance of success, they had accumulated nearly $50,000 in credit card debt. They cut back hard, aggressively paid it down, sold their house, and moved to Florida. Now they have around $100,000 from the home sale sitting in savings, but they're worried the same habits that got them into debt are starting to creep back in. They still don't properly track their spending. Shopping, expensive date nights and a large “miscellaneous” category make it difficult to see where their money is actually going, while Mason experiments with day trading and considers ideas for generating passive income. On paper, they're doing far better than they realize: they have around $204,000 invested, $124,000 in savings, and a net worth of roughly $326,000. But without changing how they spend and manage their money, Ramit sees a real risk of them falling back into debt. Ramit helps them figure out what comes after getting out of debt: how to stop mindless spending without giving up the things they love, save and invest intentionally, and start building real wealth. They rethink their plans for an $800,000 dream home, confront the scarcity they both grew up with, and discover how increasing their income and investing more could completely transform their financial future. In this episode, we uncover: How Mason and Becca built nearly $50,000 in credit card debt The conversation that finally forced them to change their spending Why they used a 401(k) loan to aggressively pay down debt How selling their house left them with around $100,000 in cash Why having that much money makes Becca anxious Why they're scared of slipping back into their old spending habits How shopping, expensive date nights, and impulse purchases added up Why they still don't properly track where their money goes How their $3,000 Disney annual passes fit into their Rich Life Why Ramit sees a real risk of them falling back into debt What Ramit sees in Mason's day trading and passive income ideas Why their $326,000 net worth surprises them How Becca's childhood shaped her belief that she would never be rich How Mason grew up seeing money as stress and struggle What they want their son to learn about money Why buying an $800,000 house would require major trade-offs How Ramit helps them rebuild their Conscious Spending Plan Why increasing their income becomes the biggest lever for their future How their retirement projection jumps from around $3.1M to $4.7M How they finally become completely debt-free Chapters: (00:00:00) Introduction (00:02:45) How they built nearly $50K in debt (00:06:39) Using a 401(k) loan to escape debt (00:08:53) Selling their house leaves them with $100,000 (00:11:15) “We just swiped the card” (00:14:37) Their old spending habits start creeping back (00:16:31) They disagree about buying another house (00:24:05) Ramit reviews their financial numbers (00:31:13) Ramit digs into their 71% fixed costs (00:37:30) Day trading and the dream of passive income (00:38:46) How Becca grew up around money (00:47:50) How Mason grew up around money (00:52:43) What they want to teach their son (00:56:41) Ramit starts rebuilding their financial plan (01:07:26) Redirecting their money toward investing (01:11:59) The reality of an $800,000 dream home (01:19:18) Why earning more becomes the priority (01:24:01) Their retirement could reach $4.7 million (01:32:15) Their house timeline changes completely (01:33:25) Mason and Becca become debt-free This episode is brought to you by: Facet | As of the date of this recording, Facet is waiving the enrollment fee for new annual members, and for my audience, Facet is offering $300 into your brokerage account if you invest and maintain $5,000 within your first 90 days. Head to https://facet.com/ramit to learn more about which membership option is best for you. Offer has been extended to 12/31/2026. #FacetAd Shopify | Start your free trial at https://shopify.com/ramit Wispr Flow | Try Wispr Flow for free at https://wisprflow.ai/ramit MasterClass | For unlimited access to every class and at least 15% off any annual membership, go to https://masterclass.com/ramit If you're ready to stop putting off your money goals, Road to $100K gives you a step-by-step plan to reach your first $100,000, focus on what matters, and accelerate your timeline while building your Rich Life. Join Road to $100K at https://iwt.com/100K Connect with Ramit: • Get my new book, Money For Couples • Join my Rich Life: Road to $100K program • Download the Conscious Spending Plan • Listen to my book—now on Audible • Get my New York Times best-selling book • Get my no-numbers journal • Other episodes • Instagram • Twitter • YouTube Apply to be coached for free on this podcast at https://iwt.com/apply

This podcast is sponsored by Earn Haus.  More information at www.EarnHaus.com/Bobandtom The BOB & TOM Show August 25, 2026 6:00 — Turtles and Whores — Floyd Tucker 6:27 — Did not get more goldfish this year — Tom 6:27 — Has a goldfish that is still alive after 2 years — Tom 6:29 — Letter — Noticed a purse by the side of the road; it moved; kids had a fishing line attached to it 6:32 — Josh did this trick with a dollar bill 6:33 — Letter — Fortune cookies = question crackers 6:35 — Letter — My son said he has silent farts all the time 6:46 — Letter — Son said what's the point of radio unless listening to B&T 6:51 — Josh prefers the infirm rather than senior citizen 6:52 — Letter — Why don't people like old people smoking pot 6:54 — Senior living — largest segment of the population 7:05 — Frustrated with Connections — Tom 7:05 — Letter — Remember when Miss Piggy was catcalled, Josh? 7:07 — In studio — Jeff 7:08 — Names for pot — Jeff 7:10 — Spending my senior years at Margaritaville — Pat Godwin 7:24 — Sports — 49ers owner busted for soliciting a prostitute 7:27 — Chick can't cut glass 7:30 — $140 expensive for a handy — Jeff 7:32 — Tom is the only one who says “Dirty Leg” 7:39 — Chick is the interrupter — Josh 7:48 — Curly fries are not curly enough — Josh 7:54 — Can we get a picture of the big dumpers? 8:05 — Zoom — Costaki 8:05 — Costaki, you don't need a beard; you are a good-looking guy — Jeff 8:10 — Say “ass” or “butt” to your doctor? 8:24 — Letter — When did Tom grow balls big enough to call Chick the interrupter? 8:26 — SWR — Largest charcuterie board; weighs 1,000 lbs 8:28 — Chick Clip — Old Lady 8:29 — Woman celebrated her 100th birthday skydiving; wants to do it again when she is 110 8:30 — We can throw her urn out of a plane at 110 — Josh 8:34 — Fisherman's Revenge song — Pat Godwin 8:45 — Today in history 9:04 — In studio — Jessica Alsman 9:06 — $100 hot dog — Golden Glizzy 9:08 — Poll — 15% of people would eat their dog's food 9:21 — Zoom — Alli 9:23 — Jeff ate dog food when he was 18 and drunk 9:25 — Alli is going to Switzerland 9:26 — Letter — My mom called my girlfriend by my ex's name 9:28 — Letter — Me and my husband in therapy; have a sex night on the calendar 9:31 — Letter — My boyfriend likes role play involving a daddy and stepdaughter 9:32 — Letter — Boyfriend going to a happy endings massage; says the massage is done by a man 9:34 — Letter — Boyfriend divorced with kids; still says “I love you” when he's on the phone 9:49 — Hambone Dog Awards 6:007:008:009:00 Learn more about your ad choices. Visit podcastchoices.com/adchoices

Struggling to scale your ads? Spending more won't fix the problem. Let's figure out why your growth strategies are not working. Talk to us at https://www.tiereleven.com/apply You've hired agency after agency, and no matter what they try, you can't scale your Google Ads. You don't have a Google problem. It's a creative strategy problem. Until you fix demand creation, no amount of campaign optimization is going to get you unstuck.In this episode, I break down a real client situation: a 14-year-old B2B SaaS company spending upwards of $200K a month on Google Search with no good answer for why growth has stalled. I'll walk you through why Google is a demand-capture platform, not a demand-creation one, and why 80% of any market lives in what I call the "zone of indifference." We also look at why the real fix lives in creative strategy on Meta, programmatic, and connected TV, not another Google audit. If your cost of acquiring new customers keeps climbing no matter what you spend, this one's for you.In this episode:- Why Google Search has a demand capture ceiling- The difference between demand capture and demand creation channels - Why branded search clicks cost 10-20x less than non-branded keywords - The "zone of indifference" and why it's 80% of your market - Why the agency rotation trap makes Google Ads more expensive- Why hook rate and hold rate matter more than landing page optimization - The B2B creative mistake of writing ads for users instead of buyers - How messaging extraction uncovers what decision-makers care about - Three questions to ask your agency if your Google spend has stalledMentioned in the Episode: Case Study on Optimizing Ad Spend: https://perpetualtraffic.com/podcast/episode-801-from-2-5m-to-4m-a-month-ad-spend-barely-changed-heres-why/ Tier 11's Data Suite: https://www.tiereleven.com/what-we-do/data-suiteJoin Ralph Burns and John Moran every Friday for The Ad Lab Live: https://www.youtube.com/@Tier11/streams Listen to This Episode on Your Favorite Podcast Channel:Follow and listen on Apple: https://podcasts.apple.com/us/podcast/perpetual-traffic/id1022441491 Follow and listen on Spotify:https://open.spotify.com/show/59lhtIWHw1XXsRmT5HBAuK Subscribe and watch on YouTube: https://www.youtube.com/@perpetual_traffic?sub_confirmation=1We Appreciate Your Support!Visit our website: https://perpetualtraffic.com/ Connect with Ralph Burns: LinkedIn - https://www.linkedin.com/in/ralphburns Instagram - https://www.instagram.com/ralphhburns/ Hire Tier11 - https://www.tiereleven.com/apply-now Mentioned in this episode:https://perpetualtraffic.com/advertise-with-us/

It is widely reported that a gap has emerged between enterprise spending on AI and the durable value captured from that spend. Individual employees have enthusiastically adopted coding assistants and chatbots, yet those gains do not seem to be transforming businesses at an organizational level. One of the most important questions in the tech industry today is understanding why AI is not yet delivering returns that match the investment, and what separates the small number of enterprises succeeding from the many that are not. Scale AI is known for supplying the human-labeled data behind many frontier models. It now also builds AI applications and agents for large enterprises. That combination of working alongside frontier labs and inside enterprise deployments gives the company a rare view of why enterprise AI may be stalling. Emily Xue is the Head of Enterprise AI at Scale AI, and previously spent over a decade at Google. In this episode, Emily joins Kevin Ball to discuss the three layers where enterprise AI breaks down, why frontier model benchmarks miss what enterprises actually need, the data foundation problem, how the most successful companies combine internal domain expertise with outside AI specialists, and more.Sponsorship inquiries:sponsor@softwareengineeringdaily.com The post The Gap Between AI Spending and AI Value appeared first on Software Engineering Daily.

Have you ever stood in front of a junk drawer like it was a moral failing? You are not lazy, and you are not broken. You are out of decisions. In this episode of Clutter Free Academy, Kathi Lipp welcomes back her longtime friend and co-author Cheri Gregory to talk about the invisible reason decluttering feels so much harder than it should: decision fatigue. Every single item in your home is asking you a question — Am I worth keeping? What if you need me someday? But Aunt Carol gave me to you… — and your brain only has so much room in its daily budget to answer. Kathi and Cheri unpack why the "all-day, all-in" decluttering marathon leaves so many of us in a puddle of tears, and why 15 minutes at a time isn't a cop-out — it's actually how our brains are wired to make good decisions. Then Kathi walks listeners through a two-decision method simple enough to use on a junk drawer today. In this episode, listeners will discover: Why clutter drains you faster than almost anything else — and the three ways clutter creates extra decisions you never signed up for The two-decision method: Does it stay or does it go? And if it stays, where does it live? (If you can't answer both, that's your answer.) Pre-deciding rules that cut decisions in half before you ever open the drawer — expired means gone, one backup is enough, one donation bag, and "if it doesn't fit this container, it doesn't live here" Cheri's Post-it Note trick for the "maybe" pile — three dates and it's out Why 15 minutes is the sweet spot and how to pick one micro-section (the batteries, the lotions, the mail) instead of the whole house How to handle the emotional stuff — grief, guilt gifts, and other people's things stored in your space Kathi shares the story of the giant, not-quite-cute teddy bear her kids gave her decades ago — and what happened when she finally called them to ask about it. Cheri gets honest about the bedroom set in her office, the organizing bins that never worked, and the moment she decided her office was not a storage unit for other people's memories. The big takeaway? You are not solving your whole house today. You're reducing the number of decisions in your home so you can actually enjoy living there. Be gentle with yourself. Be gentle with your family. And stop waiting for the day you'll have enough energy to decide everything at once — because friend, that day isn't coming. Grab 15 minutes, pick one shelf, and press play.