Podcasts about spending

In this solo episode I talk about the art of spending down. If we all successfully earn and invest, at some point we will actually have to live off these investments. Sounds great...but maybe it is more complicated than you think! Learn more about your ad choices. Visit megaphone.fm/adchoices

Send us a textJoseph and Eric talk how to plan for your tobacco spending int the year of 2026.  How much to buy now, what to save for, and how to stay flexible.  If you are interested in the Houston Pipe Club, visit us at HoustonPipeClub.com

Original Release Date: November 25, 2025Our Chief U.S. Economist Michael Gapen breaks down how growth, inflation and the AI revolution could play out in 2026.Read more insights from Morgan Stanley.----- Transcript -----Michael Gapen: Welcome to Thoughts on the Market. I'm Michael Gapen, Morgan Stanley's Chief U.S. Economist.Today I'll review our 2026 U.S. Economic Outlook and what it means for growth, inflation, jobs and the Fed.It's Tuesday, November 25th, at 10am in New York.If 2025 was the year of fast and furious policy changes, then 2026 is when the dust settles.Last year, we predicted slow growth and sticky inflation, mainly because of strict trade and immigration policies – and this proved accurate. But this year, the story is changing. We see the U.S. economy finally moving past the high-uncertainty phase. Looking ahead, we see a return to modest growth of 1.8 percent in 2026 and 2 percent in 2027. Inflation should cool but it likely won't hit the Fed's 2 percent target. By the end of 2026, we see headline PCE inflation at 2.5 percent, core inflation at 2.6 percent, and both stay above the 2 percent target through 2027. In other words, the inflation fight isn't over, but the worst is behind us.So, if 2025 was slow growth and sticky inflation, then 2026 and [20]27 could be described as moderate growth and disinflation. The impact of trade and immigration policies should fade, and the economic climate should improve. Now, there are still some risks. Tariffs could push prices higher for consumers in the near term; or if firms cannot pass through tariffs, we worry about additional layoffs. But looking ahead to the second half of 2026 and beyond, we think those risks shift to the upside, with a better chance of positive surprises for growth.After all, AI-related business spending remains robust and upper income consumers are faring well. There is reason for optimism. That said, we think the most likely path for the economy is the return to modest growth. U.S. consumers start to rebound, but slowly. Tariffs will keep prices firm in the first half of 2026, squeezing purchasing power for low- and middle-income households. These households consume mainly through labor market income, and until inflation starts to retreat, purchasing power should be constrained.Real consumption should rise 1.6 percent in 2026 and 1.8 [percent] in 2027 – better, but not booming. The main culprit is a labor market that's still in ‘low-hire, low-fire' mode driven by immigration controls and tariff effects that keep hiring soft. We see unemployment peaking at 4.7 percent in the second quarter of 2026, then easing to 4.5 percent by year-end. Jobs are out there, but the labor market isn't roaring. It'll be hard for hiring to pick up until after tariffs have been absorbed.And when jobs cool, the Fed steps in. The Fed is cutting rates – but at a cost. After two 25 basis point rate cuts in September and October, we expect 75 basis points more by mid 2026, bringing the target range to 3.0-3.25 percent. Why? To insure against labor market weakness. But that insurance comes with a price: inflation staying above target longer. Think of it as the Fed walking a tightrope—lean too far toward jobs, and inflation lingers; lean too far toward inflation, and growth stumbles. For now the Fed has chosen the former.And how does AI fit into the macro picture? It's definitely a major growth driver. Spending on AI-related hardware, software, and data centers adds about 0.4 percent to growth in both 2026 and 2027. That's roughly 20 percent of total growth. But here's the twist: imports dilute the impact. After accounting for imported tech, AI's net contribution falls sharply. Still, we expect AI to boost productivity by 25-35 basis points by 2027, over our forecast horizon, marking the start of a new innovation cycle. In short: AI is planting the seeds now for bigger gains later.Of course, there are risks to our outlook. And let me flag three important ones. First, demand upside – meaning fiscal stimulus and business optimism push growth higher; under this scenario inflation stays hot, and the Fed pauses cuts. If the economy really picks up, then the Fed may need to take back the risk management cuts it's putting in now. That would be a shock to markets. Second, there's a productivity upside – in which case AI delivers bigger productivity gains, disinflation resumes, and rates drift lower. And lastly, a potential mild recession where tariffs and tight policy bite harder, GDP turns negative in early 2026, and the Fed slashes rates to near 1 percent. So in summary: 2026 looks to be a transition year with less drama but more nuance, as growth returns and inflation cools, while AI keeps rewriting the playbook.Thanks for listening. If you enjoy the show, please leave us a review wherever you listen and share Thoughts on the Market with a friend or colleague today.

Both sides of our political world have created a big problem with inflation! And both sides seem to be happy to put it off as an affordability problem that needs additional government help.Milton Freeman did a good job describing how inflation really works.Clip Used: Milton Friedman - Only Government Creates InflationBy: LibertyPenFollow Us:YouTubeTwitterFacebookBlueskyAll audio & videos edited by: Jay Prescott Videography

Jerry and Rami Lavi: WFAN Changes and Spending Too Much on Food To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

From 'Al & Jerry's Postgame Podcast' (subscribe here): Jerry and Rami Lavi: WFAN Changes and Spending Too Much on Food To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

The highest-earning 10% of Americans have increased their spending far beyond inflation. Everyone else hasn’t. The highest-earning 10% of Americans have increased their spending far beyond inflation. Everyone else hasn’t.Many Americans are pinching pennies, exhausted by high prices and stubborn inflation. The well-off are spending with abandon. The top 10% of earners—households making about $250,000 a year or more—are splurging on everything from vacations to designer handbags, buoyed by big gains in stocks, real estate and other assets. New Years Resolutions - These are Americans’ top New Year’s resolutions for 2026: Survey The next most common choices for the new year included being happy (23 percent), eating healthier (22 percent) and saving more money (21 percent). Twenty-one percent of respondents said improving their physical health was most important, while 17 percent of participants said they’d like to lose weight. See omnystudio.com/listener for privacy information.

Our first caller is debating a life-changing move to South Africa for her fiancé. Our second caller's best friend keeps choosing a man over her. And our third caller is questioning her relationship because her boyfriend didn't want kids until her.   "It feels like she doesn't need you as much, and that hurts."   Listen to Humble Brag with Cynthia Bailey and Crystal Kung Minkoff every Monday. Available wherever you get your podcasts and YouTube: https://www.youtube.com/@humblebragpod  https://podcasts.apple.com/us/podcast/humble-brag-with-crystal-and-cynthia/id1774286896 https://open.spotify.com/show/4NWA8LBk15l2u5tNQqDcOO?si=c03a23d537f94735   Start your 7 Day Free Trial of Viall Files + here: https://viallfiles.supportingcast.fm/  Please make sure to subscribe so you don't miss an episode and as always send in your relationship questions to asknick@theviallfiles.com to be a part of our Monday episodes.  We've partnered with Mint Mobile to open a hot takes hotline to hear your scorching hot opinions! Give us your hot takes, thoughts and theories and we'll read and react to the best ones on an upcoming Reality Recap episode! All you have to do is call 1-855-MINT-TLK or, if you prefer the numbers, that's 855-646-8855 and leave us a message. To Order Nick's Book Go To: https://www.viallfiles.com  If you would like to get some texting advice, send an email to asknick@theviallfiles.com with "Texting Office Hours" in the subject line!  To advertise on this podcast please email: ad-sales@libsyn.com or go to: https://advertising.libsyn.com/theviallfiles    THANK YOU TO OUR SPONSORS: Athletic Greens - If you head to https://drinkag1.com/viall for $126 in free gifts for new subscribers. Wayfair - Get last-minute hosting essentials, gifts for all your loved ones, and decor to celebrate the holidays for WAY less. Head to https://Wayfair.com right now to shop all things home. Starbucks - Together is the best place to be. Connect over your holiday favorites at Starbucks.   Timestamps: (00:00) - Intro (00:40) - Caller One (32:13) - Caller Two (01:17:38) - Caller Three   Episode Socials: @viallfiles @nickviall @justinkaphillips @the_mare_bare @dereklanerussell

In this year-end reflection episode, Ginger and Brad share memorable insights from past interviews on budgeting, spending, and the importance of values in financial decisions. They discuss how taking action can lead to financial independence, the impact of community, and the transformative power of generosity. This episode encourages listeners to implement strategies that align with their personal values and relationships for achieving true wealth beyond financial metrics. Timestamps 00:00:00 - Intro to the Episode 00:01:47 - Reflecting on Memorable Interviews 00:03:41 - The Importance of Budgeting 00:05:20 - Seasons of Life and Spending 00:09:16 - Community Impact 00:10:52 - Generosity and Giving 00:12:31 - Mindset Shifts 00:52:05 - Concluding Thoughts Key Takeaways Reflecting on Past Episodes (00:01:47) Ginger and Brad explore moments from previous interviews that resonated with them, focusing on actionable insights. Importance of Budgeting (00:03:41) Budgeting is vital to achieving financial independence. Prioritize spending on experiences and values that bring joy, as highlighted by guest Ron Babcock. Seasons of Life and Spending (00:05:20) Understand that spending should align with your current life stage. Budgeting isn't just about saving; it's also about recognizing what matters right now. Community in Financial Independence (00:09:16) The FI community supports each other through shared experiences and service projects. Efforts like the FI Service Core highlight collective impact. Generosity and Giving (00:10:52) Act on urges to be generous immediately; this reinforces meaningful connections and contributes to fulfilling relationships. Mindset Shifts (00:12:31) Challenge limiting beliefs about what's possible in life. Acknowledge that perceptions can often be changed with the right reflection. Actionable Takeaways Align Your Budget with Your Values (00:05:20) Identify what matters most in your life today and reflect this in your budget. Practice Generosity (00:10:52) Make acts of generosity immediate to enrich your relationships and community. Reflect on Beliefs (00:29:19) Question beliefs that limit possibilities and explore what changes can be made to achieve your goals. Quotes "Embrace spending on values; it's essential for a fulfilling life." - Brad (00:07:18) "True love requires sacrifices and effort." - Ginger (00:50:36) "Little changes lead to significant results in financial independence." - Brad (00:41:32) Related Resources The Happiness Trap - A book discussed in the episode that explores cognitive behavioral tools for a healthier mindset. Discussion Questions How do you prioritize your spending to align with your values? (00:05:20) What small sacrifice can you make today for someone you care about? (00:50:36) Action Items Reflect on your current financial habits. (00:05:20) Set up a high-interest savings account for future goals. (00:25:54)

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3859: Joshua Becker outlines 11 simple yet powerful science-backed habits that can lead to a more fulfilling and intentional life. From exercising and going outside to giving more and smiling often, each resolution is grounded in research and designed to improve your well-being mentally, emotionally, and even physically. Read along with the original article(s) here: https://www.becomingminimalist.com/better-resolutions/ Quotes to ponder: “Good habits make all the difference.” “Psychologists have scientifically proven that one of the greatest contributing factors to overall happiness in your life is how much gratitude you show.” “Determining to be happy is a productive decision towards achieving it.” Episode references: Get Up, Get Out, Don't Sit: https://archive.nytimes.com/well.blogs.nytimes.com/2012/10/17/get-up-get-out-dont-sit Spending on Doing Promotes More Happiness than Spending on Having: https://www.inderscience.com/info/inarticle.php?artid=55643 Volunteering Time Makes People Feel More Time-Rich: https://www.huffpost.com/entry/volunteering-time_n_1672170 Learn more about your ad choices. Visit megaphone.fm/adchoices

The holidays are thought to be a time of gathering with friends and family, but many also spend the season alone, either by choice or not. Being alone especially around the holidays can feel challenging, but it doesn't have to be! Comedian Josh Gondelman, known for his pep talks, discusses how to break the stigma of being lone during the holiday season, and listeners share their stories and tips.

Are you getting the most out of your agency? Do you think your agency is the best choice for you? In this episode, LAWsome co-hosts Tanner Jones and Matt Smyers sit down with the CEO at Agency Management Institute (aka AMI), Drew McLellan, to chat about the best ways to get the most out of your agency and how to know you have the right one.  Drew was approached by his professor at his college and was hired as a contract copywriter for an agency. Later, he opened his own agency but realized he didn't know how to run it. He hired a consultant, and ten years later, he bought them out and grew his company to what AMI is today.  Drew uses the metaphor of a marriage to understand the relationship between an agency and a client. In order to get the most out of your agency, you must create a cohesive relationship that can grow. Don't wonder if you've been making the right decisions with your agency; listen to the latest LAWsome episode today so you can be confident in them with the expertise Drew shares with us.  You can connect with Drew on his Website and on his LinkedIn. TLDR: In this episode, you will learn about The importance of having the right agency How to find the right agency Improving your relationship with your agency so that you both can work together for the betterment of your law firm

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Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3859: Joshua Becker outlines 11 simple yet powerful science-backed habits that can lead to a more fulfilling and intentional life. From exercising and going outside to giving more and smiling often, each resolution is grounded in research and designed to improve your well-being mentally, emotionally, and even physically. Read along with the original article(s) here: https://www.becomingminimalist.com/better-resolutions/ Quotes to ponder: “Good habits make all the difference.” “Psychologists have scientifically proven that one of the greatest contributing factors to overall happiness in your life is how much gratitude you show.” “Determining to be happy is a productive decision towards achieving it.” Episode references: Get Up, Get Out, Don't Sit: https://archive.nytimes.com/well.blogs.nytimes.com/2012/10/17/get-up-get-out-dont-sit Spending on Doing Promotes More Happiness than Spending on Having: https://www.inderscience.com/info/inarticle.php?artid=55643 Volunteering Time Makes People Feel More Time-Rich: https://www.huffpost.com/entry/volunteering-time_n_1672170 Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3859: Joshua Becker outlines 11 simple yet powerful science-backed habits that can lead to a more fulfilling and intentional life. From exercising and going outside to giving more and smiling often, each resolution is grounded in research and designed to improve your well-being mentally, emotionally, and even physically. Read along with the original article(s) here: https://www.becomingminimalist.com/better-resolutions/ Quotes to ponder: “Good habits make all the difference.” “Psychologists have scientifically proven that one of the greatest contributing factors to overall happiness in your life is how much gratitude you show.” “Determining to be happy is a productive decision towards achieving it.” Episode references: Get Up, Get Out, Don't Sit: https://archive.nytimes.com/well.blogs.nytimes.com/2012/10/17/get-up-get-out-dont-sit Spending on Doing Promotes More Happiness than Spending on Having: https://www.inderscience.com/info/inarticle.php?artid=55643 Volunteering Time Makes People Feel More Time-Rich: https://www.huffpost.com/entry/volunteering-time_n_1672170 Learn more about your ad choices. Visit megaphone.fm/adchoices

The Chinese Finance Ministry has pledged to expand fiscal expenditure in 2026 to ensure a solid start to the country's 15th Five-Year Plan period from 2026 to 2030. Finance Minister Lan Fo'an said China will implement a more proactive fiscal policy next year.

This week on the podcast, I'm revisiting the best episodes of 2025 - reruns that are just as relevant today as when it first aired.  Here is today's best of 2025 episode…

Improve your relationship with money while you sleep. These affirmations encourage mindful spending, saving wisdom, and better financial decision-making without daytime stress. Unwind now with our positive sleep affirmations podcast. Our soothing affirmations relax the mind and prepare the body for rest. Hit play, and drift into Good Sleep... Listen to more positive sleep affirmations by subscribing to the audio podcast in your favorite podcast app:  Apple Podcasts: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://podcasts.apple.com/us/podcast/good-sleep-positive-affirmations/id1704608129⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Spotify: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://open.spotify.com/show/3OuJvYoprqh7nPK44ZsdKE⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ And start your morning with Optimal Living Daily! Apple Podcasts: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://podcasts.apple.com/us/podcast/optimal-living-daily-mental-health-motivation/id1067688314⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Spotify: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://open.spotify.com/show/1hygb4nGhNhlLn4pBnN00j?si=ca60dcfd758b44b4⁠⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

Improve your relationship with money while you sleep. These affirmations encourage mindful spending, saving wisdom, and better financial decision-making without daytime stress. Unwind now with our positive sleep affirmations podcast. Our soothing affirmations relax the mind and prepare the body for rest. Hit play, and drift into Good Sleep... Listen to more positive sleep affirmations by subscribing to the audio podcast in your favorite podcast app:  Apple Podcasts: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://podcasts.apple.com/us/podcast/good-sleep-positive-affirmations/id1704608129⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Spotify: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://open.spotify.com/show/3OuJvYoprqh7nPK44ZsdKE⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ And start your morning with Optimal Living Daily! Apple Podcasts: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://podcasts.apple.com/us/podcast/optimal-living-daily-mental-health-motivation/id1067688314⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Spotify: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://open.spotify.com/show/1hygb4nGhNhlLn4pBnN00j?si=ca60dcfd758b44b4⁠⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

Spending time in nature doesn't just inspire awe — research shows it can improve our health and well-being.

You don't need to drain your bank account to buy a business. In fact, many of the best deals are done with very little personal capital. In this episode, Greg breaks down how buyers structure acquisitions using financing instead of their own money. There are two buckets of money you can draw from when buying a business: your own personal funds and external financing. One of the most powerful external financing tools Greg highlights is seller financing. This approach allows you to structure deals where the seller essentially lends you the money, often interest-free, and can be combined with earnouts to maximize your buying power without draining your personal savings. Debt isn't always the enemy, either. Greg shares how it can be a friend when structured correctly, but he also warns about the dangers of over-leveraging and how too much debt can make a business fragile. Whether you're stepping into acquisitions for the first time or are a seasoned entrepreneur, this episode is packed with practical strategies and insights for buying a business with limited upfront capital. Topics Discussed in this episode: Financing the deal with your personal money vs external financing (03:43) Debt is your friend when buying a business (08:05) Seller financing and earnouts (12:04) Combining traditional funding with seller financing and earnouts (18:14) The more debt you put on a business, the more fragile it becomes (22:28) How brokers can help you get the best deal (25:32) Mentions:  Empire Flippers Podcasts Empire Flippers Marketplace Create an Empire Flippers account Subscribe to our newsletter Sit back, grab a coffee, and learn how to buy a business without emptying your pockets!

Spending a few nights with family or friends can be a blast, but adapting to someone else's lifestyle can be tricky. So we're resharing three easy ways to be a good houseguest and put your hosts at ease.  To support more content like this, become an AARP member at aarp.org. And don't forget to subscribe for more tips and tricks to help make your life a little easier — and happier!

Deadbeat Newsom defaults on $20 billion—and guess who's paying? While every other state in America used federal funds to responsibly pay off their COVID unemployment loans, California chose a different path: stimulus checks for voters and zero dollars toward the debt. Now businesses are stuck with automatic payroll tax hikes that escalate $21 annually, with surcharges projected to exceed $400 per worker. Meanwhile, Newsom had a $100 billion budget surplus in 2022 but didn't use a dime to help employers. Texas paid off their debt. Florida paid off their debt. Even Washington paid theirs. But California? They're too busy funding illegal immigrant healthcare and virtue signaling to care about the businesses fleeing the state in droves. Budweiser just closed their last Bay Area brewery—think that's just about beer sales? How long can businesses survive when California keeps piling on "the greatest hidden tax" while maintaining the nation's highest unemployment rate? Is anyone surprised Newsom wants to run this playbook nationally in 2028? Drop your thoughts below, and if you're tired of watching taxpayers get fleeced, subscribe and share this with every business owner you know.

Ryan Wrecker is filling in for the Annie Frey Show today and talks about his holiday and he finally figured out what a migraine is and more.

Donate here: https://ca.movember.com/mospace/15368227?mc=1&utm_medium=share&utm_source=dynamic&utm_campaign=copy-clipboardI hope you're enjoying the holidays. Spending time with your family and eating more than you should. In collaboration with Movember, we're giving you an exclusive look into Mind Over Man, a podcast from Andre Kerr. We're creating spaces for men to discuss the ups and downs of their mental health journey. Andre opens up about a lot, from surviving a life-threatening heart attack to the challenges of being a father with the world on his shoulders. Timestamps: 00:00 Introduction to Mind Over Man01:15 The Making of a Man03:09 Navigating Fatherhood and Responsibilities05:33 The Struggles of Modern Manhood06:51 Finding Safe Spaces for Men08:20 Shifting Focus: From Problems to Solutions10:15 The Importance of Alone Time12:44 Defining Manhood14:51 Overcoming Failure and Self-Doubt21:27 Patience in a Fast-Paced World24:44 Pushing Through Adversity25:42 The Role of Faith and Support30:01 Mental Health and Vulnerability39:18 The Importance of Therapy48:18 Final Thoughts and Takeaways

As we look ahead to 2026, Jonathan and Amanda take an honest look back at the purchases that shaped their family's financial life in 2025—for better and for worse.In this episode of The Catholic Money Show, they walk through their favorite purchases, their lingering regrets, and the patterns that emerged when they slowed down to reflect. From great deals that genuinely served their family to “savings” that quietly cost them time, energy, and peace, this conversation is about learning how to discern money decisions more wisely as life gets fuller.You'll hear how priorities shift as responsibilities grow, why saving money isn't always the most faithful choice, and how to balance stewardship with sanity as you plan for the year ahead. This conversation will help you think more clearly about what to keep, what to change, and what to leave behind as you move into 2026.

The Department of Government Efficiency disbanded in November after cutting 271,000 federal jobs, the largest peacetime workforce reduction since World War II. But new data shows federal spending rose by $250 billion anyway. Elon Musk now calls DOGE only "somewhat successful" and says he would not do it again. We break down what happened, why the math never worked, and what Musk's government experiment reveals about the limits of disruption in Washington.

Are Your Christmas Traditions Actually About Christ? Every December, homes fill with familiar patterns. Decorations come out. Music plays on repeat. Schedules tighten. Spending increases. Stress follows close behind. None of this feels unusual. It happens every year. What often goes unnoticed is how quickly christmas traditions can shift from meaningful habits into automatic routines. They still look Christian on the surface. Church services get attended. Nativity scenes get displayed. Familiar songs play in the background. But beneath the activity, something deeper may be missing. The question is not whether your family celebrates Christmas. The question is whether your christmas traditions actually point anyone toward Christ. Traditions tell a story. They quietly reveal what matters most in a home. They shape how children understand faith. They show what adults truly value when life feels full and demanding. During Christmas, those patterns become louder and clearer. If someone watched your household for the month of December, what story would your christmas traditions tell? Why Traditions Matter More Than We Think Traditions are powerful because they repeat. What is repeated becomes normal. What feels normal shapes belief. Most families do not intentionally create traditions to replace Christ. It happens slowly. A movie […] The post Christmas Traditions appeared first on UNCOMMEN.

Dan hits a few different topics on Christmas Eve Morning | aired on Wednesday, December 24th, 2025 on Nashville's Morning News with Dan MandisSee omnystudio.com/listener for privacy information.

Lance Katigbak, Principal at BCG Manila, joins Jeremy Au to break down why Filipino households, not individuals, are the true drivers of economic decisions in the Philippines. Drawing from BCG's large scale research on the Filipino family, they explore how family structures shape spending, saving, and borrowing behavior, and why health risk sits at the center of financial anxiety. The conversation covers multi earner and extended households, the role of informal lending, and how overseas Filipino workers remain deeply involved in family decisions from abroad. Lance also explains why most products miss the market by designing for individuals, and how companies can unlock real opportunity by building for the household instead. 03:25 Filipino families fall into six major structures: Nuclear families make up less than half of households, with one earner, dual earner, and multi earner families each representing about a third of the population. 09:07 Informal lenders understand households better than banks: Five six lenders assess family level ability to repay, unlike formal finance that underwrites individuals. 13:01 Debt is driven by medical necessity: Paying off debt is the top priority for the poorest families, with health emergencies as the main trigger for borrowing. 18:35 Overseas Filipino workers anchor household budgets: OFWs send home most of their income and remain actively involved in family decisions through constant communication. 23:17 The Filipino dream centers on family security: Top goals are financial protection against health shocks and starting small stable businesses. 29:16 Spending roles differ by gender: Women often manage savings and budgets while men more often handle investments and hardware purchases. 32:04 Families seek modest upgrades, not luxury: Aspirations focus on stress free groceries, affordable dining out, and daily stability rather than status. Watch, listen or read the full insight at https://www.bravesea.com/blog/lance-katigbak-filipino-money-decisions WhatsApp: https://whatsapp.com/channel/0029VakR55X6BIElUEvkN02e TikTok: https://www.tiktok.com/@jeremyau Instagram: https://www.instagram.com/jeremyauz Twitter: https://twitter.com/jeremyau LinkedIn: https://www.linkedin.com/company/bravesea Spotify English: https://open.spotify.com/show/4TnqkaWpTT181lMA8xNu0T Bahasa Indonesia: https://open.spotify.com/show/2Vs8t6qPo0eFb4o6zOmiVZ Chinese: https://open.spotify.com/show/20AGbzHhzFDWyRTbHTVDJR Vietnamese: https://open.spotify.com/show/0yqd3Jj0I19NhN0h8lWrK1 YouTube  English: https://www.youtube.com/@JeremyAu?sub_confirmation=1 Apple Podcast  English: https://podcasts.apple.com/sg/podcast/brave-southeast-asia-tech-singapore-indonesia-vietnam/id1506890464 #PhilippineEconomy #FilipinoFamilies #HouseholdDecisions #HealthRisk #OFWLife #FinancialBehavior #EmergingMarkets #FamilyFirst #SEATech #BRAVEpodcast

In my conversation with Portia Louder, we explore a side of real estate investing that rarely gets discussed. How fast things can unravel, how gray areas quietly turn dark, and how a single path can change the course of an entire life.  Portia shares her deeply personal journey that challenges common assumptions about risk, responsibility, and what it really means to rebuild after everything falls apart. This is not about fear; it's about awareness, integrity, and making informed decisions before it's too late. Portia details her story in her book, "Living Louder," about her life experiences and the lessons she learned through suffering, faith, and rebuilding her life.  You can check out her book on Amazon here: https://a.co/d/bvqIIv5 Learn more about Portia and her story at www.PortiaLouder.com

Spending a few nights with family or friends can be a blast, but adapting to someone else's lifestyle can be tricky. So we're resharing three easy ways to be a good houseguest and put your hosts at ease.  To support more content like this, become an AARP member at aarp.org. And don't forget to subscribe for more tips and tricks to help make your life a little easier — and happier! 

As Christmas draws near, many of us feel the pressure to buy just one more thing—or worry the season won't feel special unless we spend more. Tight deadlines, emotional expectations, and last-minute sales create the perfect environment for impulse spending to quietly take over. But Scripture offers a wiser, more freeing way to approach giving—one rooted in love rather than pressure.Christmas brings out many good desires. We want our homes to feel warm, our families to feel loved, and our gatherings to feel joyful. Emotional spending happens when those good desires turn into pressure—internal or external. We begin asking questions like: What if this isn't enough? What will they think if I don't give something big? If I don't hurry, will Christmas feel incomplete?Emotional buying often peaks in the final days before Christmas, not because we're unwise, but because we're human. We feel the weight of expectations, the excitement of the season, and the fear of missing out. But perfect moments aren't purchased. They're created through meaningful time together—not merely expensive gifts.A Biblical Rhythm for GivingScripture invites us into a different rhythm. Jesus said, “It is more blessed to give than to receive.” He wasn't describing frantic shopping or panic-driven generosity, but joyful, intentional, heart-shaped giving.Paul echoes this in Colossians 3:2: “Set your minds on things above, not on earthly things.” Christmas giving becomes a spiritual act when it flows from love, gratitude, and thoughtfulness rather than pressure or panic.Many of the most meaningful gifts can't be boxed or wrapped—a handwritten letter, a shared meal, a family tradition, a long walk with an aging parent, or a prayer spoken over someone you love. These are gifts that shape hearts, not clutter closets.In the final days before Christmas, urgency often speaks louder than wisdom. The sale is ending. Shelves are empty. Shipping won't arrive on time. Suddenly, our giving comes more from fear than love.Proverbs 21:5 offers a timely warning: “The plans of the diligent lead surely to abundance, but everyone who is hasty comes only to poverty.” Hasty choices don't just strain our finances—they strain our hearts. They rob us of peace and shift our focus from Christ to consumption.You don't have to sprint your way into Christmas. You can choose a different pace.Four Practical Ways to Avoid Emotional Buying1. Pause before you purchase. Even a 30-second pause can interrupt an emotional decision. Ask yourself: Is this coming from love—or from pressure?2. Let your values set the tone. A healthy budget isn't restrictive—it's clarifying. It helps your spending reflect what matters most.3. Remember, generosity is more than money. Time, words, service, and presence are gifts money can't replicate.4. Let Christ—not culture—define Christmas. Before you buy, ask: Will this help us celebrate Jesus, or simply ease a momentary fear?When your giving aligns with faith rather than fear, Christmas becomes more meaningful—not less.The Freedom of Love-Led GivingMother Teresa captured this beautifully: “It's not how much we give, but how much love we put into giving.” You're not responsible for funding a flawless Christmas. You're responsible for loving the people God has placed in your life—and love doesn't require overspending.Christmas isn't a test of your financial ability. It's a celebration of God's generosity toward us. The angel didn't announce “great deals of consumer joy,” but “good news of great joy—a Savior has been born to you.” That's the center of Christmas, and the foundation of intentional giving.On Today's Program, Rob Answers Listener Questions:I'm 57 and have about $300,000 in a 401(k). I owe $133,000 on my mortgage and am considering using retirement funds to pay it off. My employer mentioned rolling over just enough to cover the mortgage into a pension plan. Is that possible, and what should I consider before proceeding?You previously shared a list of scholarships. I have a daughter who's a high school freshman and may attend Liberty University. Do you still have that scholarship list? How can we start preparing now?I'm 74, retired, and have about $25,000 in an IRA. I want to invest some in gold, but I also owe $13,000 on a high-interest credit card from home repairs. Is there a way to negotiate that debt for a lump-sum payoff? And since I live on a pension and Social Security and haven't filed taxes in four years, do I still need to pay taxes?I taught vocational trades in the Texas prison system and was told that ex-felons can't get a job until seven years after probation. Is that actually the law in Texas? And if so, how are people expected to support themselves during that time?Resources Mentioned:Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner)Christian Credit CounselorsFinding Your Scholarships (Faith and Finance Episode - August 14, 2024)Scholarships.com | Fastweb.comWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA)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.

Are you feeling the pressure to buy just one more thing? With deadlines, expectations, and last-minute sales, impulse spending can quietly take hold. God offers a wiser, more liberating approach to giving—one rooted in love, rather than pressure. On the next Faith & Finance Live, Rob West talks about emotional buying and how to stay intentional. Then, it’s your calls. That’s Faith and Finance Live . . . biblical wisdom for your financial decisions, weekdays at 4pm Eastern/3pm Central on Moody Radio. Faith & Finance Live is a listener supported program on Moody Radio. To join our team of supporters, click here.To support the ministry of FaithFi, click here.To learn more about Rob West, click here.To learn more about Faith & Finance Live, click here.See omnystudio.com/listener for privacy information.

You don't need to drain your bank account to buy a business. In fact, many of the best deals are done with very little personal capital. In this episode, Greg breaks down how buyers structure acquisitions using financing instead of their own money. There are two buckets of money you can draw from when buying a business: your own personal funds and external financing. One of the most powerful external financing tools Greg highlights is seller financing. This approach allows you to structure deals where the seller essentially lends you the money, often interest-free, and can be combined with earnouts to maximize your buying power without draining your personal savings. Debt isn't always the enemy, either. Greg shares how it can be a friend when structured correctly, but he also warns about the dangers of over-leveraging and how too much debt can make a business fragile. Whether you're stepping into acquisitions for the first time or are a seasoned entrepreneur, this episode is packed with practical strategies and insights for buying a business with limited upfront capital. Topics Discussed in this episode: Financing the deal with your personal money vs external financing (03:43) Debt is your friend when buying a business (08:05) Seller financing and earnouts (12:04) Combining traditional funding with seller financing and earnouts (18:14) The more debt you put on a business, the more fragile it becomes (22:28) How brokers can help you get the best deal (25:32) Mentions:  Empire Flippers Podcasts Empire Flippers Marketplace Create an Empire Flippers account Subscribe to our newsletter Sit back, grab a coffee, and learn how to buy a business without emptying your pockets!

First, we bring you details around an undocumented surfer who has been detained for months in Otay Mesa. Then, an event celebrating the unity and resilience of the Jewish community. Also, the South Bay Union District announces two additional school closures. And finally, some tips on how to manage stress around the holiday season.

Sucharita Kodali and Owen Carr dissect the U.S. consumer landscape, noting a peculiar divergence: declining confidence juxtaposed with robust spending. They observe a shift towards lower-priced goods, especially in e-commerce, while "buy now, pay later" schemes see explosive growth. Both eye 2026, with Carr predicting a strong start despite underlying concerns about deferred payments, and Kodali emphasizing the importance of retail performance from companies like Walmart (WMT), Costco (COST), Amazon (AMZN), and Ulta Beauty (ULTA) as key indicators of consumer health.======== Schwab Network ========Empowering every investor and trader, every market day.Options involve risks and are not suitable for all investors. Before trading, read the Options Disclosure Document. http://bit.ly/2v9tH6DSubscribe 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

We are continuing the Debt Identity Series, and today we are talking about The Status Keeper, the identity most people never realize they have.This identify is sneaky because you tell yourself you don't spend “extravagantly” because you don't drive a luxury car, you're not buying designer bags, and you're not chasing labels. So when you hear “keeping up with the Joneses,” you know that's not you because you don't drive a Bentley. But the truth is, Status Keeper debt has nothing to do with materialism and everything to do with subtle, socially accepted spending habits.If you say yes to the girls' trips, the concerts, the spa days, the quick getaways, and the “why not” dinners because you deserve it, this episode is for you.These purchases do not feel big or irresponsible, but they add up.And even though you can likely pay off your credit card at any time, you find yourself right back in debt because the root cause has never been addressed.This episode breaks down why Status Keeper spending is driven by: • emotional justification • fake math • unconscious lifestyle choices • values that unintentionally override your real financial goalsYou will learn how everyday “yeses” cost you thousands each year and how to shift out of this identity with awareness, trade offs, and a healthier relationship with saving.Listen in to learn:[00:45] Why Status Keeper spending doesn't look like overspending[02:10] How “I deserve this” thinking fuels lifestyle debt[03:40] How fake math justifies small but frequent purchases[05:55] Why savings feels restrictive and swiping feels like freedom[07:50] The real annual cost of trips, concerts, dining out, massages[08:25] What “experience spending” is actually costing you[10:15] Six questions every Status Keeper must answer on paper[13:25] How one simple trade off can free up thousands[17:10] Why saving is not a no, saving is a future yes[21:10] How identity awareness helps you finally stay out of debtTune into this episode of Money Files to uncover the real reason you keep returning to credit card debt, and learn how to align your spending with the goals that matter most.Get full show notes and the episode transcript: https://wealthovernow.com/debt-identity-series-the-status-keepers-hidden-spending-trap/ Links mentioned in this episode…Set up a call | Financial Coach Washington, DC | Wealth Over NowDownload my FREE spending plan

Going home for the holidays can feel strange when you've outgrown the version of yourself that your family still sees. After living abroad for 13 years, I know this feeling well, and I've navigated uncomfortable conversations over the holidays quite a few times.Whether you're building a business, planning a move abroad, or living a life that doesn't fit the “traditional” mold, this episode is for you.This Episode Covers:Navigating holiday conversations when your life, business, or plans don't fit the traditional pathHow to respond to family concern, judgment, or guilt trips with calm confidence (and without over-explaining)The identity shift that happens when you outgrow the version of yourself people still seeWhy you don't need approval to change, move abroad, or build a life that feels alignedSubscribe and ReviewIf you loved this episode, please take a moment to subscribe and leave a review on Apple Podcasts! Your support helps us reach more visionaries who need these insights.

New research from David Blanchett, head of retirement research at PGIM, challenges one of the biggest assumptions in retirement planning: that happiness in retirement depends on maintaining a constant—or even increasing—level of spending. ⬇️ Upon entering retirement, households experience a median consumption decline of about 20%. This drop is often viewed as a red flag in traditional financial planning models. However, Blanchett argues that this decline is not necessarily problematic, especially when you look at how financial well-being changes over time. ☎️ Then on our listener question, we hear from a 34-year-old investor who's been all-in on stocks since taking Dave Ramsey's advice early in their career. Now, they're wondering how and when to start easing into a more balanced portfolio with bonds.  We'll talk strategy, psychology, and sprinkle in some data on market highs that might surprise you. Resource: Article by John Manganaro from ThinkAdvisor: Spending Drops in Retirement, but Satisfaction Doesn't: Blanchett Connect with Benjamin Brandt Get the Retire-Ready Toolkit: http://retirementstartstodayradio.com Subscribe to the newsletter: https://retirementstartstodayradio.com/newsletter Work with Benjamin: https://retirementstartstoday.com/start Follow Retirement Starts Today in:Apple Podcasts, Spotify, Overcast, Pocket Casts, Amazon Music, or iHeart Get the book!Retirement Starts Today: Your Non-financial Guide to an Even Better Retirement  

Spending time outside can be surprisingly powerful for your health.In this episode, I'm joined by outdoor living expert Julie Beckwith to explore how outdoor spaces boost your mental, emotional, and physical well-being. From reducing anxiety to improving sleep and even supporting your immune system, the benefits go far beyond what you might expect.Julie also shares practical, budget-friendly ideas for creating your own outdoor sanctuary—even if you live in a city, don't have a yard, or don't live in sunny SoCal like me.With a passion for blending nature with wellness, Julie educates homeowners as well as employers on the transformative power of outdoor spaces. Drawing from experience, she offers practical insights into creating outdoor sanctuaries that boost mental, emotional, and physical well-being.Julie is an inspiring speaker, captivating audiences with her knowledge on the health benefits of outdoor living. She offers actionable tips to help individuals and employers design, budget for, and maximize their outdoor spaces. Julie's approachable and engaging style makes her a sought-after speaker for events, conferences, and workshops focused on home improvement, wellness, and lifestyle enhancement.https://www.linkedin.com/in/julie-beckwith-aa0686315/https://www.facebook.com/profile.php?id=100090364213008https://livingonthepatio.com/Tune in each week for practical, relatable advice that helps you feel your best and unlock your full potential. If you're ready to prioritize your health and level up every area of your life, you'll find the tools, insights, and inspiration right here. Check out Esther's website for more about her speaking, coaching, book, and more: http://estheravant.com/Buy Esther's Book: To Your Health: https://a.co/d/iDG68qUEsther's Instagram: https://www.instagram.com/esther.avantEsther's LinkedIn: https://www.linkedin.com/in/estheravant/Learn more about 1:1 health & weight loss coaching: https://madebymecoaching.com/coaching

John Canzano interviews Oregon State AD Scott Barnes, about football, the new hire at OSU, spending in the Pac-12 and more. Subscribe to this podcast. Read JohnCanzano.com

Spending thanksgiving on a boat of virgins

In this episode of Beer and Money, Ryan Burklo and Alex Collins discuss the significance of the holiday season as a time for reflection on family, values, and financial planning. They explore the emotional aspects of spending time with loved ones, the expectations that come with hosting, and the importance of having meaningful conversations about legacy and future planning. The hosts encourage listeners to take actionable steps towards what truly matters in their lives, emphasizing that money is merely a tool to facilitate a fulfilling life. Check out our website:  beerandmoney.net Find us on YouTube: https://www.youtube.com/@beerandmoney Subscribe to our newsletter: https://www.quantifiedfinancial.com/subscribe-now Check out our Instagram: https://www.instagram.com/ryanburklofinance?igsh=ZTJzN3Jnajd5M2Mw Ryan Burklo's LinkedIn profile: https://www.linkedin.com/in/ryanburklo/ Alex Collin's LinkedIn profile: https://www.linkedin.com/in/alexandercollins/ For a quick assessment of your current financial life go to: https://www.livingbalancesheet.com/lbsVision/lite/RyanBurklo #holidays #family #financialplanning #personalgrowth #legacy #expectations #hosting #reflections #futureplanning #actionsteps   Takeaways The holidays reveal what we truly care about. Spending time with family can be eye-opening. Hosting comes with expectations and financial implications. It's important to reflect on family dynamics during holidays. Conversations about legacy should happen when families gather. Planning for the future starts with understanding values. Small action steps can lead to significant changes. Money is a tool, not the ultimate goal. Designing a powerful future reshapes the present. Regular conversations about finances lead to happier outcomes. Chapters 00:00 Holiday Reflections and Family Connections 05:10 The Expectations of Hosting 08:58 Navigating Family Dynamics 11:26 Planning for the Future 15:16 Taking Action on What Matters

In a time when loneliness is becoming a public health crisis, author Rhaina Cohen says friendships aren't just nice to have — they're essential to your health and happiness. She challenges the assumption that biological and romantic relationships matter most, exploring how close platonic bonds (when given real intention and commitment) can profoundly strengthen your life. (This conversation, hosted by TED's Whitney Pennington Rodgers, was part of an exclusive TED Membership event. TED Membership is the best way to support and engage with the big ideas you love from TED. To learn more, visit ted.com/membership.) Hosted on Acast. See acast.com/privacy for more information.

CONGRESSIONAL SPENDING AND THE REVERSE MIDAS TOUCH Colleagues Dave Hebert and Peter Earle. Hebert and Earle argue that Congressional spending exacerbates problems in education and healthcare by subsidizing demand while restricting supply through regulations. They contend politicians prefer "showy" supply-side interventions, like drug busts, over effective policies because the politics of appearing effective outweigh the economics of actual affordability. NUMBER 16 1936 FDR

'Tis the season to talk about peace, love…and drama. We discuss the dynamics of spending the holidays with family when you're in a relationship, how to navigate the in-laws, what most couples are doing (and not doing), and our controversial opinion on spending every holiday with your partner. We also talk about family estrangement, our feelings on "Life is too short to fight with your family," and how to work through some of these hard situations. Then we share some of our listeners' hilarious/traumatic holiday experiences with partners' families that truly shocked us. And before we get into the topic, we're debating two polarizing shower behaviors, and Rayna has a big announcement! Enjoy!  Follow us on Instagram @girlsgottaeatpodcast, Ashley @ashhess, and Rayna @rayna.greenberg. Visit girlsgottaeat.com for more. Thank you to our partners this week: Aura Frames: Get $35 off the bestselling Carver Mat frame at https://auraframes.com with code GGE. Article: Head to https://article.com for a beautiful new sofa, dining table, or bed.  Skims: Shop our favorite pajamas at skims.com. Rocket Money: Cancel your unwanted subscriptions and reach your financial goals faster at https://rocketmoney.com/gge. Storyworth: Get $10 off or more at https://storyworth.com/gge.