Podcasts about spending

Hey BillOReilly.com Premium and Concierge Members, welcome to the No Spin News for Tuesday, November 4, 2025. Stand Up for Your Country.  Talking Points Memo: Bill explains trade deficits and whether the Supreme Court will invalidate Trump's tariffs. Host of PodForce One and columnist Miranda Devine joins the No Spin News to talk about what a Zohran Mamdani victory could mean for NYC and who's backing him. Bill reviews the latest poll asking Americans about their pride in their country and the quality of life in the U.S. Will Rep. Nancy Pelosi (D-CA) run for re-election? Dick Cheney dies at age 84. The Trump administration intends to reclaim over $1 billion in federal funds currently used for Medicaid for undocumented immigrants in Democratic-led states. Final Thought: Watch Bill on NewsNation tonight at 8 PM ET with Chris Cuomo.  Learn more about your ad choices. Visit megaphone.fm/adchoices

Don and Tom tackle the universal truths of investing — namely, that most investors underperform the market due to their own behavior. They discuss the persistence of emotional decision-making, the dangers of market timing, and the importance of diversification and sticking to a plan. Listener calls cover UGMA accounts, bond allocation in IRAs, downsizing for assisted living, robo-investing, annuities, and advisor ethics. The show mixes data-driven insight with classic Real Money humor and real-world financial guidance. 0:04 Universal truths of investing and investor behavior 2:07 Why investors underperform their own funds (Morningstar “Mind the Gap”) 3:30 Market sentiment, cash levels, and memories of 2000 and 2008 4:31 Peter Lynch on market corrections and investor overconfidence 5:40 The danger of timing the market and trusting stocks too much 6:40 “Financial Flinch Reflex” parody PSA (Appella Wealth ad) 7:41 Listener: diversifying a Vanguard UGMA for grandson's education 12:14 Listener: TSP rollover, age-based bond allocation, and risk tolerance 14:40 The right asset mix for long-term investors in their 40s 15:48 Listener: selling condo for assisted living — planning for late-life care 18:45 Spending vs. inheritance — why it's okay to use your own money 20:27 Producer's question: is SoFi robo-investing safe for beginners? 22:56 Emergency funds vs. long-term investing; debt priorities 26:03 Listener: spouse investing in individual stocks — handling differences 28:32 Listener: total market vs. S&P 500 core fund; AVGE and DFAW explained 30:17 Listener: 8% annuity “crediting rate” myth and why it's misleading 35:42 Real internal rate of return on annuities and risk comfort 37:12 Listener: following advisor from Ameriprise to a bank — fiduciary warning 39:36 Why commissioned products persist and how fiduciary rules differ Learn more about your ad choices. Visit megaphone.fm/adchoices

Why do so many Christians want to give more—but feel like they can't?Most of us want to be generous, but there are often barriers—spiritual, financial, or even emotional—that hold us back. Today, Ron Blue joins us to unpack five key reasons why Christians don't give more, and how we can begin climbing toward greater generosity.Ron Blue is a financial teacher, author, and co-founder of Kingdom Advisors. He has helped countless Christians apply biblical wisdom to their finances and is best known for his bestselling book, Master Your Money: A Step-by-Step Plan for Financial Contentment.Five Barriers to Generosity—and How to Overcome ThemGenerosity is one of the greatest marks of spiritual maturity, yet many Christians find themselves wanting to give more but feeling unable to do so. Over the years, most believers face five primary barriers to generosity. These form a kind of “pyramid,” with each level building on the one below it. The journey toward greater giving begins with the heart and ends with intentional planning.1. Spiritual Condition: The Foundation of GenerosityBefore generosity ever shows up in our bank accounts, it begins in our hearts. When we grasp who God is, who we are, and the grace that has been extended to us, generosity naturally flows from that understanding.The more we understand God's ownership and our role as stewards, the more we want to give. Spiritual maturity is the foundation—without it, our giving will always feel like an obligation instead of an act of worship.2. Financial Health: Creating Margin to GiveEven when our hearts are in the right place, poor financial habits can make generosity difficult. Many believers simply can't give more because they're weighed down by debt, overspending, or disorganization.It often takes time—sometimes even years—to align our finances with our convictions. That might mean getting out of credit card debt, restructuring a business, or learning to live within our means. When we get our financial house in order, we create margin for generosity to flourish.3. Vision: Seeing Where God Is WorkingPeople don't give to spreadsheets or buildings—they give to vision. When we can picture the impact of our giving, we're motivated to invest more deeply.A clear vision fuels generosity. Ask yourself: Where has God stirred my heart? What Kingdom work do I feel most passionate about? When we see how our resources can change lives—whether feeding children, funding missions, or supporting local ministries—we begin to give with joy and purpose.4. Community: Encouragement from OthersGenerosity rarely happens in isolation. We need relationships that encourage us to live open-handedly. When we surround ourselves with generous people—friends who talk about giving, pray about giving, and celebrate giving—we're inspired to do the same.Scripture reminds us that we are to “spur one another on toward love and good deeds” (Hebrews 10:24). Community reminds us that generosity isn't just an individual act—it's part of how the body of Christ functions together.5. Planning: Giving with IntentionFinally, generosity grows through intentional planning. I've seen it over and over in my work as a financial planner: when people create a plan for their giving, their generosity increases dramatically—sometimes fivefold.A plan brings clarity and purpose. It helps you set a “finish line” for lifestyle and accumulation so you can redirect more toward eternal purposes. Without a plan, even well-intentioned believers often give sporadically or reactively. With one, generosity becomes a consistent and joyful part of life.Moving Toward Greater GenerosityThese five layers—spiritual condition, financial health, vision, community, and planning—build upon each other. Each represents a step toward living and giving as God intended.So, which one are you ready to work on today?The journey toward generosity isn't about guilt—it's about grace. As we align our hearts, habits, and plans with God's purposes, we discover the joy of giving that truly reflects His character.On Today's Program, Rob Answers Listener Questions:I'm considering a reverse mortgage and wondering—if I were to get one—whether my creditors could come after the proceeds.How can younger people today start building wealth? What are some practical strategies to grow financially—and how can we stay positive and motivated when so many in our generation don't seem to think that way?I run a small architecture business, but my income has been inconsistent over the past few years. My financial advisor suggested I take a salaried job to help pay down debt and stabilize our family's finances. If I do that, how should I communicate with a potential employer that I'd like to keep my business on the side—and is that even wise to do?I've been researching digital currencies and the broader move toward electronic money. With more people, including political figures, showing support for it—and with lower fees and more direct transactions—what's your take on where this is heading?My husband is 65 and retired, and I'm 56 and still working. I've heard that a spouse can collect half of the other's Social Security benefit once they reach a certain age. Is that true, and how does it work?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Open Hands FinanceWisdom 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.

Thinking about a social media break? (Right after this episode, of course.) Spending hours scrolling on social media only to come away feeling stressed and anxious is so common these days. So if that's you, come listen to the Beans share their experiences and impart some key takeaways to seamlessly start working with our feelings rather than against them. Plus, we finish this episode off with another fantastic listener question: What do I do when a lifelong friendship has run its course?For All Things Signal:Send us listener questions at the email below! moryandmelissa@gmail.comFollow Signal on Instagram @signalwithmoryandmelissa https://www.instagram.com/signalwithmoryandmelissaFollow Mory on Instagram @moryfontanez https://www.instagram.com/moryfontanez/Order Mory's Book: “Higher Self: Reclaiming The Power of Your Intuition" using the links below!Amazon: https://www.amazon.com/dp/0063309998/keywords=self%2Bhelp%2Bbooks?tag=harpercollinsus-20Target: https://www.target.com/p/higher-self-by-mory-fontanez-hardcover/-/A-93091557#lnk=sametabWalmart:https://www.walmart.com/ip/Higher-Self-Reclaiming-the-Power-of-Your-Intuition-Hardcover-9780063309999/8883157124?classType=REGULAR&from=/search

For the most part, FSAs are a “use it or lose it” deal. In this episode, Art unpacks how flexible spending accounts work, the mistakes that could cost you money, and some surprising purchases that qualify for FSA dollars. Don't let that money disappear—put it to good use before the year ends!Resources: 8 Money MilestonesChristian Money HelpAsk a Money Question!

Krystal and Saagar discuss consumers cut staple grocery spending, Elon tell Rogan AI will take all jobs, Trump denies knowing Binance CEO he pardoned. Logan Phillips: https://www.racetothewh.com/ To become a Breaking Points Premium Member and watch/listen to the show AD FREE, uncut and 1 hour early visit: www.breakingpoints.comMerch Store: https://shop.breakingpoints.com/See omnystudio.com/listener for privacy information.

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 3341: Kiersten Saunders unpacks the emotional toll of financial transition, exploring how fear of spending, even after achieving financial milestones, can mirror imposter syndrome. Through raw self-reflection and everyday moments, she reveals the deeper psychology behind money habits and how learning to trust yourself with your own success is a crucial step in financial independence. Read along with the original article(s) here:⁠ https://richandregular.com/my-fear-of-spending-is-a-form-of-imposter-syndrome/⁠ Quotes to ponder: "Instead of letting my fear of spending beaucoup money take me down a path of scarcity, I am choosing to reframe my circumstances." "It's easier to ignore short term impulses when you know there's something greater later." Episode references: Suze Orman:⁠ https://www.suzeorman.com⁠ FinCon:⁠ https://finconexpo.com Learn more about your ad choices. Visit megaphone.fm/adchoices

In part one of Red Eye Radio with Gary McNamara and Eric Harley, today is the day to decide for voters with key races in New York, New Jersey and Virginia. Short of a miraculous victory by Andrew Cuomo, Zohran Mamdani is set to become the first communist to lead New York as Mayor. Spending, tax cuts and affordability are key issues for voters as they go to the polls today. Also Whoopi Goldberg gets another legal note and the price of food is on the rise. For more talk on the issues that matter to you, listen on radio stations across America Monday-Friday 12am-5am CT (1am-6am ET and 10pm-3am PT), download the RED EYE RADIO SHOW app, asking your smart speaker, or listening at RedEyeRadioShow.com. Learn more about your ad choices. Visit podcastchoices.com/adchoices

In this episode of the RiskReversal Podcast, Guy Adami and Liz Thomas delve into various market trends and economic indicators. They discuss the OpenAI and Amazon cloud compute agreement, CapEx spending, and the ISM manufacturing index's recent performance. Moreover, they analyze the bond market's reaction to economic data and the Federal Reserve's policies. The conversation also covers the underperformance of Bitcoin, the housing market's challenges, and the gold market's fluctuations. The episode concludes with insights into Warren Buffett's cash holdings at Berkshire Hathaway and a sports commentary on the recent Green Bay Packers game. —FOLLOW USYouTube: @RiskReversalMediaInstagram: @riskreversalmediaTwitter: @RiskReversalLinkedIn: RiskReversal Media

IN STUDIO GUEST - SEATTLE CITY ATTORNEY ANN DAVISON // Davison joins us to respond to challenger Erika Evans’ Fox 13 interview // Evans claims data in “High Utilizer Program” supports repeat offenders need jail alternatives // Evans criticizes delays in DUI and domestic violence prosecutions // John Showed Up at a Super Fan’s House to Trick-Or-Treat // Commit to the Bit.. Spending a year growing a mullet for an 80’s themed event   

Do you ever feel like budgeting is impossible because your income changes from month to month? If you're self-employed, work on commission, or depend on tips, you're not alone. Living on a variable income can feel like riding a financial roller coaster—one month you're doing fine, and the next, you're wondering how to make ends meet.But the good news is that God's Word offers wisdom that applies even in seasons of financial uncertainty. Proverbs 21:5 reminds us:“The plans of the diligent lead surely to abundance, but everyone who is hasty comes only to poverty.”No matter how steady—or unpredictable—your income is, a plan is essential.Build Your Budget on What You Know, Not What You HopeMany people make the mistake of budgeting around their best month. Wise stewardship means basing your plan on your lowest or average month, rather than your highest month.Start by reviewing your income over the past 6 to 12 months. Identify your lowest earning month, and use that as your “bare minimum” budget—what it takes to cover essentials like housing, utilities, groceries, transportation, and basic giving.For example, if your income ranges from $3,000 to $6,000, plan your budget around $3,000. When you earn more, that extra income becomes your margin—money you can use to pay down debt, save, or plan ahead for slower seasons.This approach protects you from overcommitting when income drops and helps you live within your means.Create an Income-Holding AccountWhen your income arrives irregularly, timing can be just as stressful as the amount. One simple solution is to use an income-holding account.Here's how it works:Deposit all income into one central account—your “holding tank.”Once a month, transfer your budgeted amount into your regular spending account.This method smooths out your cash flow, allowing you to “pay yourself” a steady income each month. Proverbs 27:23 gives this timeless reminder:“Know well the condition of your flocks, and give attention to your herds.”In today's world, that means knowing where your money is, where it's going, and when it's available.Also, if your income fluctuates, an emergency fund isn't optional—it's essential.Start by saving enough to cover one month's expenses, then aim for three to six months over time. Use “boom” months to grow your buffer before adding new spending. When slower seasons come, you'll be able to keep paying yourself consistently.Differentiate Between Fixed and Flexible ExpensesAnother key to managing a variable income is learning to distinguish between fixed and flexible expenses.Fixed expenses—like rent, insurance, and loan payments—stay the same.Flexible expenses—like dining out, entertainment, or travel—can adjust with your income.During lean months, trim flexible spending. When income increases, you can replenish your savings or increase your giving. Remember, self-control is one of the fruits of the Spirit (Galatians 5:22–23), and that includes how we handle our finances.One of the easiest ways to get off track is through “surprise” expenses that shouldn't be surprises—car repairs, insurance premiums, or property taxes.List all your irregular expenses for the year and divide each by twelve. Set that amount aside monthly in a sinking fund, so when those bills come, you're ready. No scrambling. No stress. Just peace that comes from faithful planning.Trust the Provider, Not the PaycheckEven when your income is unpredictable, God is not. Matthew 6 reminds us that our Heavenly Father knows what we need before we ask. He feeds the birds and clothes the flowers—and He will provide for His children.So whether your income changes weekly or seasonally, rest in this truth: stability isn't found in your paycheck—it's found in God's faithful provision.If you're ready to build a flexible, faith-filled budget, the FaithFi app can help. It offers tools to manage cash flow, track spending, and grow as a faithful steward of God's resources.Learn more at FaithFi.com by clicking “App” or searching for FaithFi in your app store.On Today's Program, Rob Answers Listener Questions:I've been able to save about $170,000 and add around $10,000 each month. Once I reach $200,000, I'd like to start investing $10,000 a month in something with greater growth potential, even if it carries a bit more risk. Right now, I'm earning about 4% at the bank. What would be a wise next step for that money?I've just moved into an independent living facility and am in the process of selling my condo, which should close soon. I'll need the proceeds to help cover my living expenses, but I'm wondering—how should I handle tithing on that money?I just wanted to express my gratitude for the way you and your team share wisdom so respectfully and thoughtfully. Listening to your program has really deepened my understanding and helped me grow.Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Wisdom 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.

Tech companies are spending historic amounts of money on computing power and data centres. Today on the show, Rob Armstrong and Katie Martin talk to Lex editor John Foley to try to understand the computing arms race. Also they go long M&A, short free buses, and long cleanfluencers. For a free 30-day trial to the Unhedged newsletter go to: https://www.ft.com/unhedgedoffer.You can email Robert Armstrong and Katie Martin at unhedged@ft.com.Read a transcript of this episode on FT.com Hosted on Acast. See acast.com/privacy for more information.

If you suffer from Spending Hangovers, aka you tend to feel like crap after spending money, this episode is for you!In this episode, we explore the 5 inner parts that are in charge of your spending patterns: The Punisher, The Player, The Painkiller, The Pleaser and the Prover!⭐️Join EMPOWERED SPENDER: My digital course that will teach you how to transform financial chaos and shame-inducing emotional spending sprees, into Rich Bitch energy, using an easy-breezy nervous system friendly approach that empowers you to spend guilt free, and save for future adventures. https://www.saveamillioncents.com/empoweredspender ⭐️Check out my 1:1 Money Magic Mentorship Program here.

Losing a spouse can shake every part of life—but God promises to walk with you through each next step.When loss turns life upside down, even simple financial decisions can feel overwhelming. But with God's help—and a few practical steps forward—there is hope and healing ahead. Today, Valerie Hogan joins us to share guidance for navigating the financial journey after losing a spouse.Valerie Hogan is an attorney, a Certified Financial Planner (CFP®), a member of Kingdom Advisors, and the co-author of Wise Women Managing Money: Expert Advice on Debt, Wealth, Budgeting, and More with Miriam Neff. Grief and Finances Are Deeply ConnectedWhen grief hits, clarity often disappears. You may feel pressure to “get everything settled” or, on the other hand, find it impossible to make even small decisions. Both reactions are normal.Grief colors everything. It's difficult to separate financial choices from emotional pain. And that's okay. The key is to give yourself permission not to have all the answers right away.Statistics show that about 80% of women will outlive their husbands. That means most of us will one day find ourselves managing finances alone. And many women, especially from earlier generations, weren't as involved in financial decisions during marriage.After loss, that reality can be intimidating. Suddenly, you're faced with choices about investments, taxes, home maintenance, and budgets—often with less income and more years of life ahead. Those early months matter, but they shouldn't be rushed.Start with This Truth: God Owns It AllBefore any practical steps, I want to anchor you in a truth that has carried me and countless others through difficult seasons: God owns it all.Everything we have belongs to Him, and He is with us as we steward it. Remembering that doesn't erase the pain, but it reminds us we're not alone. It shifts the weight of control off our shoulders and invites God's wisdom into our decisions.That truth gives us permission to move slowly and prayerfully. Stewardship is not about perfection—it's about trust.Steps for Navigating the Early DaysHere are some guiding steps I often share with widows who ask, “Where do I even begin?”1. Take One Step at a TimeYou don't need to fix everything today. Unless a change is absolutely urgent, give yourself space to rest and recover. Grief has a way of making even simple tasks feel monumental. Be patient with yourself.2. Avoid Major Financial Moves Too SoonTry not to make significant financial decisions while emotions are raw. Some women have sold homes, moved away, or invested large sums during intense grief—only to regret it later. Wait until your heart is steadier before making big changes.3. Get Organized, Little by LittleLoss often leaves behind a mountain of paperwork. Start small—maybe one pile, one folder, one hour. Ask a trusted friend or advisor to help if it feels overwhelming. Progress comes one decision at a time.4. Track What's Coming In and Going OutAwareness brings peace. You don't have to overhaul your budget immediately—just begin noticing where money is going. Clarity grows with consistency.5. Lean on Trusted AdvisorsChoose people who will look out for your best interest—those with integrity and experience, not pressure or sales motives. A trusted financial planner, attorney, or advisor can help you think clearly when emotions run high.6. Anchor Everything in PrayerThis is the most important step. God cares deeply when His people are hurting. Invite Him into every conversation, every decision, every bill you open. He is your provider and your comforter.Build a “Personal Board of Directors”Form a personal board of directors—a small circle of wise people you can lean on for different kinds of counsel.You might include:A spiritually mature friend who prays with youA financial professional with integrityAn encourager who helps you stay hopefulA practical helper who can sit with you through paperworkEach one brings something valuable. Just remember: not every encourager is a financial guide, and not every advisor is a prayer partner. Surround yourself with a balanced mix of wisdom and compassion.Know It. Own It. Like It. Change It.In their book Wise Women Managing Money, Miriam Neff and Valerie Neff Hogan use a simple four-part framework that applies beautifully here:Know it—Gather the facts. What do you own? What do you owe?Own it—Accept responsibility for your new role as steward.Like it—Evaluate your current situation honestly.Change it—Begin making small, steady adjustments that align with your goals and faith.You don't need to have it all figured out. Start by knowing where you are—and trust that God will guide each next step.If you've recently lost your spouse, please hear this: there are brighter days ahead. It may not feel that way now, but God will give you strength and wisdom in time. I've seen hundreds of widows rebuild, heal, and even thrive again.Take one step at a time. Pray often. Surround yourself with wise, loving people. And remember—you're not alone.On Today's Program, Rob Answers Listener Questions:A friend once told me they only tip 10% at restaurants, so they don't end up giving a server more than they give to God. Now that's stuck with me—every time I eat out, I think about it. Am I looking at this the wrong way? What's the right, biblical way to think about tipping and giving?I recently set up a trust, and I own two homes—one's paid off and the other still has a mortgage. Both properties are titled in my name. Do I need to transfer or re-deed those homes into the trust, or can I leave them as they are since they're already in my name?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Wise Women Managing Money: Expert Advice on Debt, Wealth, Budgeting, and More by Miriam Neff and Valerie Neff Hogan, J.D. Widow ConnectionWisdom 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) or Certified Christian Financial Counselor (CertCFC)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.

Republican House Corrections Chairwoman Becky Currie of Brookhaven began touring state prisons when she got her committee chair assignment a couple of years ago, and found a disturbing dearth of medical care for inmates. 'We're paying $124 million to a company for health care and they are not going it and they are keeping the money," said Currie, who is pushing for reform and been a centerpiece of Mississippi Today's investigative series on prison health care, "Behind Bars, Beyond Care.

AI infrastructure spending is rapidly increasing, with major technology companies such as Google, Microsoft, and Amazon projected to invest over $300 billion by the end of 2025. This surge is primarily driven by the demand for data centers and GPU capacity to support artificial intelligence initiatives. While the Federal Reserve indicates that current investments differ from the dot-com boom due to stronger earnings among leading firms, analysts caution that excessive debt-fueled expansion could pose risks if AI does not deliver the anticipated returns. The insurance sector is particularly optimistic, with 67% of CEOs expecting returns on AI investments within three years, a significant increase from 20% the previous year.Alphabet reported a quarterly revenue of $102.35 billion, exceeding expectations, with a notable 34% growth in cloud revenue. Amazon's cloud division, AWS, also showed resilience, generating $33 billion in net sales despite a global outage. Microsoft reported $49 billion in cloud revenue, with Azure experiencing a 40% year-over-year growth. However, Microsoft faced challenges with capacity shortages, which could limit revenue potential. Additionally, OpenAI reported a net loss of $11.5 billion, impacting Microsoft's financials due to its significant investment in the AI company.In the small business sector, sales transactions increased by 8% in the third quarter of 2025, although owner confidence has declined due to inflation and rising operational costs. Many small business owners are motivated to sell before conditions worsen, with a notable number of buyers identified as corporate refugees seeking stability in essential service sectors. This trend presents an opportunity for IT providers to offer tailored technology solutions to these new business owners, who may lack expertise in setting up necessary systems.For Managed Service Providers (MSPs) and IT service leaders, the current environment presents both challenges and opportunities. As AI drives infrastructure upgrades, providers must help clients navigate the complexities of AI investments, ensuring they understand when AI initiatives are financially viable versus when they may be overhyped. Additionally, the increase in small business sales indicates a demand for reliable technology setups, providing MSPs with a chance to offer essential services that facilitate smoother transitions for new business owners. Three things to know today00:00 AI Spending Soars Past $300 Billion as Cloud Titans Post Record Earnings and Mounting Risks06:15 AI Gold Rush: Big Tech's Billion-Dollar Bet Fuels Cloud Expansion, CEO Optimism, and Debt Warnings10:26 Small Business Sales Surge as Inflation Saps Confidence and Corporate Refugees Step In This is the Business of Tech.    Supported by:  https://scalepad.com/dave/https://getflexpoint.com/msp-radio/

What makes the U.S. consumer and investor unique? Are we biologically programmed to be dissatisfied? Should you want your kids to be poor? Morgan Housel answers those questions and provides insights from his latest book, The Art of Spending. Also in this episode: -International stocks have notched a 30% gain so far this year-The Fed cut rates but dampened expectations for December-The job market is always in flux, as demonstrated by a slew of recent layoffs-The most tax-efficient way to give to charities may be donating appreciated shares of stock Host: Robert BrokampGuest: Morgan HouselEngineer: Bart Shannon  Disclosure: Advertisements are sponsored content and provided for informational purposes only. The Motley Fool and its affiliates (collectively, “TMF”) do not endorse, recommend, or verify the accuracy or completeness of the statements made within advertisements. TMF is not involved in the offer, sale, or solicitation of any securities advertised herein and makes no representations regarding the suitability, or risks associated with any investment opportunity presented. Investors should conduct their own due diligence and consult with legal, tax, and financial advisors before making any investment decisions. TMF assumes no responsibility for any losses or damages arising from this advertisement. We're committed to transparency: All personal opinions in advertisements from Fools are their own. The product advertised in this episode was loaned to TMF and was returned after a test period or the product advertised in this episode was purchased by TMF. Advertiser has paid for the sponsorship of this episode. Learn more about your ad choices. Visit ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

KGO-TV's Stephanie Sierra and the 7 On Your Side team obtained and analyzed hundreds of public records that detailed California's Insurance Commissioner Ricardo Lara's cross-country and international trips all over the world. Almost a year later, questions are still going unanswered. Please Like, Comment and Follow 'Philip Teresi on KMJ' on all platforms: --- Philip Teresi on KMJ is available on the KMJNOW app, Apple Podcasts, Spotify, YouTube or wherever else you listen to podcasts. -- Philip Teresi on KMJ Weekdays 2-6 PM Pacific on News/Talk 580 AM & 105.9 FM KMJ | Website | Facebook | Instagram | X | Podcast | Amazon | - Everything KMJ KMJNOW App | Podcasts | Facebook | X | Instagram See omnystudio.com/listener for privacy information.

KGO-TV's Stephanie Sierra and the 7 On Your Side team obtained and analyzed hundreds of public records that detailed California's Insurance Commissioner Ricardo Lara's cross-country and international trips all over the world. Almost a year later, questions are still going unanswered. Please Like, Comment and Follow 'Philip Teresi on KMJ' on all platforms: --- Philip Teresi on KMJ is available on the KMJNOW app, Apple Podcasts, Spotify, YouTube or wherever else you listen to podcasts. -- Philip Teresi on KMJ Weekdays 2-6 PM Pacific on News/Talk 580 AM & 105.9 FM KMJ | Website | Facebook | Instagram | X | Podcast | Amazon | - Everything KMJ KMJNOW App | Podcasts | Facebook | X | Instagram See omnystudio.com/listener for privacy information.

If you've ever wished your giving could be both simpler and more strategic, there's a powerful tool worth knowing about: the donor-advised fund, or DAF for short.Generosity isn't just about how much you give—it's about the heart behind it. As Paul reminds us in 2 Corinthians 9:7, “Each one must give as he has decided in his heart, not reluctantly or under compulsion, for God loves a cheerful giver.”Wise stewardship allows us to align our giving with God's purposes, using tools that help us maximize our Kingdom impact. A donor-advised fund—when used rightly—can help you do both: give joyfully and steward resources efficiently.What Is a Donor-Advised Fund?Think of a DAF as a charitable checking account designed to support the causes you care about. You contribute cash, stock, or other assets, receive an immediate tax deduction, and then recommend grants to ministries or charities on your timetable.In other words, it separates the act of giving from the act of distributing. You might contribute during a high-income year or before selling an asset to take advantage of tax benefits, while taking time to decide where those dollars should go prayerfully.Behind the scenes, your DAF is managed by a sponsoring organization. At FaithFi, we recommend the National Christian Foundation (NCF)—one of the largest and most trusted Christian providers, founded by Larry Burkett and Ron Blue. NCF handles the record-keeping, issues the grants, and provides online tools to manage your giving.Suppose you plan to sell a business or a piece of real estate that would normally result in a significant capital gain. By donating it to your donor-advised fund before the sale, you can avoid paying capital gains tax, allowing more of the donation to go directly to Kingdom purposes.You receive an immediate tax deduction for the full value of your gift since it's considered an irrevocable charitable contribution. The funds can be invested for potential growth while you prayerfully decide which ministries to support—or you can give immediately.When you're ready, you simply recommend a grant, such as $10,000, to your church or a mission organization. The DAF sponsor verifies the charity and then sends the gift—either in your name or anonymously.The Benefits of a Donor-Advised FundDonor-advised funds have become the fastest-growing vehicle for charitable giving in America, and for good reason. They combine flexibility, simplicity, and intentionality—all with a focus on Kingdom impact.Here are some of the key advantages:Simplicity – One contribution can fund all your charitable giving, with a single tax receipt and one dashboard to track every grant.Tax Efficiency – Receive your deduction when you contribute, not when you give. Donating appreciated assets can help avoid capital gains taxes, increasing the amount that goes to ministry.Flexibility – Give now and decide later where the funds should go, allowing generosity even as you discern where God is leading.Legacy Planning – Name successors—such as children or grandchildren—to carry on your legacy of generosity.Focus on Mission – Since the administration is handled for you, you can focus your energy on prayerfully deciding where to give.Important Limitations to ConsiderNo giving tool is perfect. Here are a few things to keep in mind:Irrevocability – Once you contribute to a DAF, it's a completed gift—you can't take the funds back.Qualified Recipients – Grants can only be made to IRS-approved charities, not individuals or political causes.Timing of Impact – Funds can remain in the account for years, which may delay charitable impact.At FaithFi, we encourage believers to use DAFs for timely generosity rather than indefinite storage. A DAF is meant to organize your giving, not to hold back what God has already called you to release.Why FaithFi Recommends NCFThere are many donor-advised fund providers—but not all share your faith commitments. That's why we recommend the National Christian Foundation (NCF).NCF doesn't just process gifts; they walk with donors in prayer and biblical wisdom. Their Giving Funds simplify generosity, reduce tax burdens, and amplify Kingdom impact. They can even accept complex, non-cash gifts, such as real estate, business interests, or agricultural assets.More importantly, NCF's team seeks to help every believer become a joyful, generous steward who advances the Gospel through wise giving.To learn more or to open your own Giving Fund, visit FaithFi.com/NCF. You can set up your fund in just minutes. And if you'd like a trusted financial advisor to guide you in the process, visit FindaCKA.com.At the end of the day, a donor-advised fund is just a tool—but in the hands of a faithful steward, it becomes a powerful way to partner with God in His work.When our giving flows from gratitude and trust, every dollar becomes a declaration: God owns it all, and we are His stewards.That's what it means to give with joy, wisdom, and eternal purpose.On Today's Program, Rob Answers Listener Questions:My husband was recently diagnosed with a serious health condition, and we're trying to decide whether it's wise to downsize our home. We currently owe about $198,000, but we're also looking at another house for $137,500. With today's interest rates, we could do a 15-, 20-, or 30-year loan. If my husband's income were to go away, would it be smarter to stay where we are or move to the smaller home with a lower payment?I'm 61 and wondering whether I should withdraw money from my 401(k) to pay off my car loan instead of taking out a new one. I've been looking at my budget and income, and I'm not sure if that's the best move. What do you think?My husband recently passed away. He had an IRA worth a little under $70,000, and I have one too. My financial advisor suggested that I roll his IRA into mine—can I do that, and would that be the best approach? Also, our home is in an irrevocable living trust. Am I allowed to sell it, or does it have to stay in the trust?Our term life insurance policy is set to expire soon. We could cash it out or roll it into a whole life policy, but we already have enough life insurance. With a child heading to college in about a year and a half, we're wondering if there's a smart way to put that money into savings for college without taking a big tax hit.Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)National Christian Foundation (NCF)Wisdom 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) or Certified Christian Financial Counselor (CertCFC)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.

Alexis Nunes, Herculez Gomez, and Shaka Hislop talk Son Heung-Min and Denis Bouanga's impact with LAFC. Then, reaction to Lionel Messi's comments on the MLS needing more loose salary rules in order to draw better talent and bigger audiences. Plus, discussion on Gio Reyna's comments on the fallout at the 2022 World Cup with the USMNT. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Grandma Hobbies to Try This Winter:CrochetingCompleting a coloring bookKnittingPuzzlingBakingScrapbookingPlaying a board gameJewelry makingNeedlepointingEmbroideringMost Americans Spend a Third of Their Paycheck within 12 hours: Feel like your paycheck is gone as soon as you get it? Researchers find that's pretty much true for a lot of us. According to new research, the average American spends more than a third of their paycheck within the first 12 hours of receiving it.  What's Trending: Bay Area restaurants are coming together to support families affected by the SNAP benefit suspension, offering free or discounted meals to help ensure no one goes hungry, starting November 1st.  San Francisco:The Rusty LadleAl Pastor PapiOakland:Monster PhoUnderstoryPuerto Rican Street CuisineSan Jose:Toni and Alba's PizzaShrimp'n Ain't Easy(Food Truck)Santa Clara:Gamers HeavenConcord/Antioch:OG TacosSecond Date Update: Josh thought his tapas date with Tamara was a hit—great food, flirty banter, and zero awkward silences. They agreed: team books, not screens. He left confident. She left… and never texted back  The Most Successful Marriage Proposals Happen at Home: What were the other somewhat successful places?Outdoors (18.4%)Beach (12.4%)Restaurant (5.6%)Mountains (3.9%)Good News: Meet Poppy, 10, from Holborough Lakes. Diagnosed with dyslexia, she calls it her ‘superpower'—and with an IQ of 136, she just joined Mensa! Poppy hopes her story will show that thinking differently is a gift, not a limitation.

Spending special time with our kids is vital to showing them love. Brock went on a road trip, and Danny went shopping with one of his kids. This is what happened. You can get this episode wherever you listen to podcasts.https://open.spotify.com/episode/5kdAcHwwwnUeVrgz0lvYEQ?si=aWyIOzESSR2m8DAqeYHSWQ#Podcast #AtHomeDad #DadsSupportingDads #Father #Dad #Fatherhood #Brotherhood #Parenthood #fatherhoodmatters  #DadsDontBabysit #HomeDadNet #Dadvocate #HomeDadCon #Halloween

A special interview with ski journalist, James Cove, founder of planetski.eu. We discuss his background working for the BBC, first in local radio, then political news, before he helped to develop their first digital coverage. James has also worked at the Ski Club of Great Britain, is a qualified instructor and has skied in literally hundreds of resorts around the world. --------- Tirol in Austria sponsors The Ski Podcast, which means that this winter we'll be able to find out more about some of the great destinations in Tirol, and how you can connect with the wonderful ‘feeling of life' there. --------- SHOW NOTES Find out about skiing in Greece in Episode 101 (3:00) James was  a researcher at Madame Tussauds (4:00) He worked at BBC Radio Sussex in Brighton in the 1980s (4:40) James worked on three General Elections (9:00) He was based in Salt Lake City for the 2002 Winter Olympics (11:00) Alain Baxter won (and lost) Team GB's first ever medal on snow (13:00) James first skied in Gargellen in Austria (17:15) He has skied in over 400 different resorts (18:45) James' final years at BBC overlapped with the Ski Club of Great Britain (21:30) ‘Stocking filler' films (22:30) Working on the new BBC website (23:00) Listen to Iain's interview with ski journalist Arnie Wilson (23:30) James used to be a Ski Club Rep (24:00) Planetski.eu started in 2008 (28:00) Impact of climate change (35:00) The impact of collective passes, like Epic, Ikon and Magic (37:00) Spending ‘seasons' in the Alps (39:00) Six weeks in Japan (41:00) James is spending 2026 winter in Canada (44:30) You can follow me @skipedia and the podcast @theskipodcast. You can also follow us on WhatsApp for exclusive material released ahead of the podcast. If you'd like to help the podcast, there are three things you can do:  -          you can follow us, or subscribe, so you never miss an episode -          you can give us a review on Apple Podcasts or leave a comment on Spotify -          And, if you're booking ski hire this winter, don't forget that you save money on your ski hire with an additional discount by using the code ‘SKIPODCAST'. Simply take this link for your discount to be automatically applied. 

Stephen Grootes speaks to Andrew Fulton, Director at Eighty20, about the growing footprint of gambling in South Africa and its impact on the economy. Once limited to casinos, the industry has ballooned into a R75 billion giant spanning sportsbooks, slot machines, and online platforms. According to Eighty20’s latest Roots data, 42% of South Africans now make monthly gambling payments, more than those paying for insurance or school fees. The research explores how this surge in gambling spend is reshaping household budgets and the broader economy. The Money Show is a podcast hosted by well-known journalist and radio presenter, Stephen Grootes. He explores the latest economic trends, business developments, investment opportunities, and personal finance strategies. Each episode features engaging conversations with top newsmakers, industry experts, financial advisors, entrepreneurs, and politicians, offering you thought-provoking insights to navigate the ever-changing financial landscape.    Thank you for listening to a podcast from The Money Show Listen live Primedia+ weekdays from 18:00 and 20:00 (SA Time) to The Money Show with Stephen Grootes broadcast on 702 https://buff.ly/gk3y0Kj and CapeTalk https://buff.ly/NnFM3Nk For more from the show, go to https://buff.ly/7QpH0jY or find all the catch-up podcasts here https://buff.ly/PlhvUVe Subscribe to The Money Show Daily Newsletter and the Weekly Business Wrap here https://buff.ly/v5mfetc The Money Show is brought to you by Absa     Follow us on social media   702 on Facebook: https://www.facebook.com/TalkRadio702 702 on TikTok: https://www.tiktok.com/@talkradio702 702 on Instagram: https://www.instagram.com/talkradio702/ 702 on X: https://x.com/CapeTalk 702 on YouTube: https://www.youtube.com/@radio702   CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk CapeTalk on Instagram: https://www.instagram.com/ CapeTalk on X: https://x.com/Radio702 CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567 See omnystudio.com/listener for privacy information.

Apple is investing in artificial intelligence by combining its own chip-powered servers with external computing resources, supporting its Private Cloud Compute service. The company spent $12.72 billion on capital expenditures in fiscal 2025, a 35 percent increase from the previous year, but significantly less than Alphabet, Microsoft, Meta, and Amazon. Apple projects further capex increases to $14.3 billion, while continuing to classify some AI-related spending as operating expenses, which rose 11 percent due to research and development. Apple Intelligence, its AI suite, integrates features such as notification summaries and image generation, with some capabilities delayed until 2026. Consumer demand for iPhone 17 remains strong, and Apple expects AI features to play a growing role in future hardware sales.Learn more on this news by visiting us at: https://greyjournal.net/news/ Hosted on Acast. See acast.com/privacy for more information.

Episode 703: Neal and Toby recap big tech earnings coming from Meta, Microsoft, and Alphabet. Then, the Fed makes its 2nd rate cut for the year as well as ending the effort to reduce its balance sheet, all while acknowledging the data blackout from the government shutdown. Also, ‘A House of Dynamite' might have just made a big boom…but in the wrong place as the Pentagon vehemently rejects how the US missile defense system is portrayed. Next, Neal shares his favorite numbers on the fried chicken wars, animal actors, and PTO.  Learn more at disneycampaignmanager.com  Can you climb the MBD Ladder? https://forms.gle/VQEAuctf696J9uzn9 Get your MBD live show tickets here! https://www.tinyurl.com/MBD-HOLIDAY  Subscribe to Morning Brew Daily for more of the news you need to start your day. Share the show with a friend, and leave us a review on your favorite podcast app. Listen to Morning Brew Daily Here:⁠ ⁠⁠https://www.swap.fm/l/mbd-note⁠⁠⁠  Watch Morning Brew Daily Here:⁠ ⁠⁠https://www.youtube.com/@MorningBrewDailyShow⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, we delve into the current issues surrounding the Supplemental Nutrition Assistance Program (SNAP) amidst a government shutdown. The video discusses the delayed SNAP payments and the resulting chaos, including food shortages and public panic. It examines the program's original purpose, criticisms, and challenges, such as fraud and misuse of benefits. The speaker analyzes the significant increase in spending on SNAP since its inception and the rapid growth of the benefit payments per individual. The episode advocates for strict limitations on eligible items and more frugal spending to curb excess SNAP expenditures. Additionally, the conversation touches on the societal and economic impacts of welfare programs and possible reforms. Join us as we explore the complexities and potential solutions to the SNAP crisis. 00:00 Intro 00:44 Purpose and Critique of SNAP Program 02:12 Public Perception and Misconceptions 05:21 Historical Context and Growth of SNAP 07:03 Economic Impact and Misleading Statistics 09:33 Media Coverage and Political Reactions 24:33 Immigration and SNAP Benefits 35:00 Breaking Down Welfare Statistics 36:22 The Financial Impact of SNAP 37:52 Inflation and SNAP Benefits 40:27 Changes in SNAP Benefits and Spending 43:03 SNAP Purchases: Healthy vs. Unhealthy 46:12 Controversial SNAP Purchases 51:26 The Purpose and Fairness of SNAP 59:22 Proposed Solutions and Final Thoughts

What if we stopped investing like bystanders and started investing like owners and “neighbors” in the story of our finances?When you invest like an owner, our portfolios can reflect faithful stewardship and create real-world impact. Robin John joins us today to share practical ways to move from passive investing to purposeful ownership.Robin John is co-founder and Chief Executive Officer at Eventide Asset Management, an underwriter of Faith & Finance. He's also the author of the book, The Good Investor: How Your Work Can Confront Injustice, Love Your Neighbor, and Bring Healing to the World.Investing vs. SpeculatingMany people confuse investing with speculating. Speculating—like day trading—is often no different than gambling. It's focused on short-term gains, trying to predict what the market will do tomorrow. But investing is about ownership. When you buy a stock, you're buying a piece of a company. You become a co-owner.That means your money is participating in real work—serving customers, employing people, and creating products that impact lives. As Christians, we should invest in companies we believe are doing good for the world, not just generating profits.Speculation is reactive and anxious. Investing, when done faithfully, allows us to rest in the knowledge that our capital is working toward purposes aligned with God's design for flourishing.The Responsibility of OwnershipOwnership changes everything. It confers ethical responsibility.If you owned a neighborhood store, you'd care deeply about how it serves your community, treats employees, and impacts the environment. In the same way, being a shareholder means you share in both the profits and the moral implications of what that company does.That's why Eventide Asset Management believes that Christians must think like owners, not traders. Ownership means engaging thoughtfully with the companies we invest in—voting proxies, engaging in dialogue with management, and ensuring that our capital is stewarded with integrity. Our investing isn't just about earning; it's about embodying our faith in the marketplace.Why Passive Investing Deserves a Closer LookIn recent years, many investors have turned to index funds or “passive” strategies. While these offer simplicity and diversification, I believe we should pause and ask: What are we actually owning?As Christians, we can't do anything passively—not even investing. Romans 12:2 calls us to avoid conforming to the patterns of this world, to renew our minds, and to discern what is good. That means we can't blindly invest in every company just because it's part of a market index.Do we really want to profit from industries like pornography, abortion, gambling, or tobacco? Our calling is to pursue good profits—profits that come from serving others and honoring God.To meet that need, Eventide has created systematic ETFs—investment funds that provide broad market exposure while intentionally excluding harmful industries. They're designed for believers who want to participate in the market without compromising biblical conviction.The Neighbor Map: Loving People Through InvestingIn his book, The Good Investor, Robin shares something he calls the Neighbor Map—a framework that helps us see all the “neighbors” affected by a business.God's command to “love your neighbor as yourself” (Leviticus 19) isn't abstract. It applies to the business world. At Eventide, they have identified six key neighbors every company should serve:Customers – Are the company's products truly good for those who use them?Employees – Are they treated with dignity, fairness, and care?Suppliers – Are business relationships ethical and respectful?Communities – Does the company create meaningful jobs and contribute positively to local life?The Environment – Is creation being stewarded well? Caring for creation is one of the most direct ways to love the poor, because it's the poor who suffer most from pollution and neglect.Society – Is the company contributing to the flourishing of the broader culture?Faithful investing isn't only about avoiding harm—it's also about embracing good. When we invest in companies that love their neighbors well, we participate in God's ongoing work of restoration.As investors, we're not distant spectators. We're partners. At Eventide, they engage directly with the companies we invest in—raising concerns, asking hard questions, and encouraging leadership to act with wisdom and compassion.Their goal isn't confrontation—it's collaboration. Whether it's addressing supply chain ethics, employee safety, or corporate philanthropy, we approach these conversations as co-owners who want to see good companies become even better.Clarity for Every Christian InvestorMany believers are unaware of what their money supports. That's why the team at Eventide created GoodInvestor.com—a free tool that allows you to screen your portfolio and see exactly what you're investing in. You can also connect with advisors who understand faith-based investing and can help you align your portfolio with your convictions.We hope that Christians everywhere would invest with joy, clarity, and confidence—knowing that their capital is serving God's purposes in the world. When we invest, we're not just moving money—we're shaping the world. Every dollar we deploy carries moral and spiritual weight.Our prayer is that more believers would see investing as a form of worship—a way to love God and neighbor through the stewardship of capital. Together, we can build a world that rejoices, where profits are good, people are valued, and creation is honored.On Today's Program, Rob Answers Listener Questions:Back in 2010, my parents set up a life estate warranty deed for their home, adding my siblings and me to the deed. My mom passed away eight years ago, and my dad passed in December 2024. We're preparing to sell the house now, but I keep hearing that we need to use a “life expectancy table” to calculate the home's value for capital gains or losses. Can you explain how that works and what steps we'll need to take for the taxes?I've saved up three months' worth of income—about $2,300 in total—and I still owe around $500 on a HELOC and another $500 on a credit card with interest rates of about 7% and 8.9%. My question is: Should I treat my savings separately from my three-month emergency fund? For example, if something unexpected happens—like a car repair—I don't want to touch my emergency fund. Is there a certain percentage or guideline for how much should be in an emergency fund versus regular savings?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)The Good Investor: How Your Work Can Confront Injustice, Love Your Neighbor, and Bring Healing to the World by Robin C. JohnEventide Asset ManagementGoodInvestor.com (Investment Screening Tool and Advisor Search)Wisdom 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) or Certified Christian Financial Counselor (CertCFC)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.

Tevi Troy, senior fellow at the Ronald Reagan Institute and bestselling presidential historian, joins Steve Gruber to unpack the history of government shutdowns and what they reveal about Washington's broken budget process. Drawing on his new book The Power and the Money, Troy explains how past presidents and CEOs navigated crises,  and why it's time for new budgetary thinking to stop the endless cycle of shutdown brinkmanship.

Meta Platforms (META) sold off more than 10% after earnings with investors and analysts alike sharing concerns for the company's increased CapEx spending. Marley Kayden takes traders through the list of price target cuts from analysts to highlight the heart of their concerns. Joe Tigay says he's "cautiously pessimistic" on Meta as he offers an example options trade for the Mag 7 stock.======== Schwab Network ========Empowering every investor and trader, every market day. Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/ About Schwab Network - https://schwabnetwork.com/about

The holidays should feel warm and human, not like a budgeting panic. We sat down with Casey Messer to unpack how to enjoy a generous, memorable season without waking up to a January bill spiral. From setting a clear, per-person budget to automating weekly transfers into a dedicated holiday fund, we walk through practical steps that calm the mind and protect your money.We start with planning that works even if you're late to the party: build a simple list, put numbers beside names, and track what you've already bought with photos or a quick spreadsheet. Then we move into smarter tools—goal-based budgeting, category alerts, and transaction tags—so you see spending in real time instead of guessing. Casey shares why experiences often beat piles of gifts, how a well-run Secret Santa creates intention, and where traditions like matching pajamas can be fun without the annual cost creep.Money stress often rises as the calendar fills, so we reset the mindset too. Define what the season means to you and let that guide choices about events, hosting, and gifts. If you've already overspent, skip the shame spiral and try a no-spend January while you set up next year's plan. We also cover the hidden costs between now and December—groceries, travel, and parties—and how to stagger purchases to avoid last-minute premiums. With Centric's mobile app, you can connect accounts, set budgets, tag holiday spending, and get nudges that help you stay on track.Ready to trade excess for meaning and build a holiday that actually fits your life? Press play, save your favorites, and share this episode with a friend who needs a calm, clear plan. If you found value, follow Live Better, rate the show, and leave a quick review to help others find us.

In this episode of The Entrepreneur Experiment, Gary Fox sits down with Jenny Johnston, CEO and owner of Azure Communications — a print, packaging, and marketing company based in Dublin. Jenny's story is a masterclass in courage, negotiation, and belief. After joining Azure as CEO, she pulled off a leveraged buyout to acquire the business outright—without putting down her own capital. She shares exactly how she did it, from structuring the deal to getting bank funding and navigating the delicate transition from employee to owner. Jenny also opens up about her earlier ventures — from running a pizza franchise during COVID to launching a sustainable fashion brand — and the lessons they taught her about resilience, leadership, and trusting your gut. For anyone curious about buying a business instead of starting one, this is your essential guide to how it's done. If you've ever thought, “I want to own a business but I don't know where to start,” this episode will show you what's possible when you back yourself fully. Show Notes: In this episode, we cover:

Stock market update for October 30, 2025.Follow us on Instagram ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@therundowndaily⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠This video is for informational purposes only and reflects the views of the host and guest, not Public Holdings or its subsidiaries. Mentions of assets are not recommendations. Investing involves risk, including loss. Past performance does not guarantee future results. For full disclosures, visit ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Public.com/disclosures⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

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(The Center Square) – A Washington lawmaker is calling for the state Legislature to give several spending transparency bills he's sponsored a second look in the wake of allegations made against the state's Community Reinvestment Program. Support this podcast: https://secure.anedot.com/franklin-news-foundation/ce052532-b1e4-41c4-945c-d7ce2f52c38a?source_code=xxxxxx Read more: https://www.thecentersquare.com/washington/article_d4c92f76-2d0a-460d-9e6b-0f360e4efd06.html Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

If you're ready to step into a richer way of being, join us inside the School of Self-Image membership: https://schoolofselfimage.com/membership-pod/ Many women feel that a magical and expansive life requires money – the luxury bags, the designer clothes, unlimited bank accounts. But here's the truth: your sparkle isn't bought, it's embodied. This is the essence of what I call Champagne Living. In this episode, I'm revealing the core essence of Champagne Living – cultivating an abundant self-image – and the six ways it transforms your life. You'll discover how this single mindset shift, choosing to see the beauty and joy regardless of external circumstances, opens you up to bigger opportunities. Because an abundant self-image isn't about waiting for a certain dollar amount. It's knowing, deep in your bones, that you are worthy of life's finest experiences. That your shine is already here, waiting to be expressed. Here's what we cover: • The true meaning of Champagne Living and how it turns the ordinary into magic • How an abundant self-image frees you from chasing, comparing, and wanting • Why your shine shouldn't be postponed by your present reality • Everyday ways to embody sparkle through presence and gratitude • Why inner abundance becomes a magnet for expansion Did you enjoy this episode? Subscribe to the podcast and leave a 5-star review! You can also listen to this show on YouTube and on all your favorite podcast platforms. How to Connect with Tonya Leigh Website: https://schoolofselfimage.com/ Instagram: https://www.instagram.com/tonyaleigh Facebook: https://www.facebook.com/TonyaLeighOfficial/ LinkedIn: https://www.linkedin.com/in/tonyaleighofficial/ Pinterest: https://ph.pinterest.com/tonyaofficial/ Twitter: https://x.com/tonyaleigh YouTube: https://schoolofselfimage.com/yt-tl

The most generous people give something money can't buy—their time, their presence, and their love.Generosity reaches far beyond finances. It shapes hearts, strengthens families, and builds communities of grace. Today, Sharon Epps joins us to talk about the long-term impact of generous living.Sharon Epps is the President of Kingdom Advisors, FaithFi's parent organization. Kingdom Advisors serves the broad Christian financial industry by educating and equipping professionals to integrate biblical wisdom and financial expertise.A Simple Question That Changes EverythingIf you've ever wondered what true generosity looks like, it's often simpler—and closer to home—than we think. Generosity isn't measured by dollar amounts or estate plans; it's written on the faces and in the actions of people who live with open hearts.In fact, if you ask someone a simple question like this, you will move their hearts more than you know:“Think about the most generous person you know. What do they look like? What's their countenance? Their posture?”Take a moment to picture them. Chances are, their face lights up your mind's eye. They're probably joyful, peaceful, genuine—and not necessarily wealthy. That's because generosity is about heart, not income. It's about presence, not possessions.When we make generosity personal, it changes us. We stop thinking in abstract ideas and start remembering real people who gave freely of themselves—and in doing so, reflected the heart of Christ.When this question is asked, the answers are often the same: a grandparent, an aunt, an uncle—someone who gave of themselves through love, laughter, and listening. These aren't people who built foundations or donated millions. They modeled generosity through steady love and consistency.That's what long-term generosity looks like. It starts at home and grows outward.Redefining Long-Term ImpactWhen we hear “long-term impact,” our minds often jump to wills, trusts, or endowments. Those are important tools, but they're not the whole story. True long-term impact happens when we invest our lives, not just our assets.Every day, we have the chance to sow generosity through acts of service, hospitality, and encouragement. These simple seeds—when planted faithfully—bear fruit that outlasts any financial gift because they grow in people's hearts.If you long to leave a legacy of generosity, start small.Serve one person this week. Ask God to show you where you can listen, encourage, or help.Be steady and intentional. Generosity grows through daily habits, not grand gestures.Practice generosity with time and words. The way you invest relationally today can change someone's tomorrow.Over time, those small acts of faithfulness will shape the kind of life others remember as generous.Generosity is most powerful when it's shared. Families that give together cultivate hearts that reflect God's heart. Take your children with you when you serve at a food pantry. Let them see generosity in action. Talk about giving not as an obligation but as a joyful response to God's grace.A Practical Tool for GivingOne practical way to make giving intentional is through a donor-advised fund—or what our friends at the National Christian Foundation call a Giving Fund. It's like a charitable checking account where you can deposit money now and prayerfully decide later how to distribute it.Opening one is quick and easy, and it's a great way to involve your children or grandchildren in deciding where to give. You can learn more or start one in under five minutes at FaithFi.com/NCF.Generosity Flows Toward PeopleIn the end, generosity isn't about how much we give—it's about who we're becoming. It's not just an act; it's a lifestyle. When our generosity flows toward people instead of possessions, we participate in God's ongoing story of redemption.That's the kind of impact that lasts far beyond our lifetime.On Today's Program, Rob Answers Listener Questions:I really want to honor God with my giving. I've been thinking about donating to St. Jude Children's Research Hospital and to my local church. Should I split my giving between the two, or focus everything on my church?I called about Qualified Charitable Distributions before, and your explanation helped—but I'm still not sure I understand them. At age 70, it seems like you lose out on any interest or growth from that money, and you can't take a tax deduction. So why would anyone do a QCD at that age? Would it ever make sense to take money from a Roth IRA instead? And are there income levels where a QCD just doesn't make sense?How can I strike the right balance between managing my money wisely and living with radical generosity?I have about $100,000 invested across the S&P 500, NASDAQ, and Dow, but I'm wondering if that's too risky. Would it be safer to put everything into the S&P 500, or is there a better approach? At 76, should I shift more into bonds—and if so, what kind would you recommend?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)National Christian Foundation (NCF)Redeeming Money: How God Reveals and Reorients Our Hearts by Paul David TrippWisdom 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) or Certified Christian Financial Counselor (CertCFC)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.

Send us a textIf you're a service provider and you've been posting on Instagram nonstop but your leads aren't showing up, it's time to shift your energy to Pinterest—the quieter platform where your dream clients are actually searching for help.In this episode, I'm sharing exactly how to use Pinterest to attract clients, create consistent content without burnout, and build a marketing system that keeps working for you.ALL THE LINKS MENTIONED: https://jenvazquez.com/pinterest-marketing-for-service-providers/If you've been craving consistent visibility without the burnout, this is your sign. The Quiet Growth Accelerator helps you create a sustainable SEO + Pinterest system that works while you rest. Join before November 1st!The Quiet Growth Accelerator (SEO, AI, Pinterest) closes Nov 1st

Advertisers want to spend an extra $1B in podcasting; but they're holding back until we address the industry's biggest issues.This week on The Media Roundtable, we've assembled a powerhouse of CAOs to talk about the findings of our 2025 What Brands Want report.At this summer's CAO Summit, we learned that podcasting could be one billion dollars bigger… if brands had what they need today. After polling brand leaders on their hurdles and needs, the results are in. Dan Granger (CEO & Founder, Oxford Road) breaks down the findings with:• Justin Fitzpatrick (Head of Performance Marketing, Found) • Julianna Crozier (Associate Director, Influencer Partnerships & Growth Marketing, Thrive Market)• Will Flaherty (SVP, Growth, Ro), and• Giles Martin (EVP, Strategy, Oxford Road)The team is talking: Closing the Measurement Gap, Beating the Clutter, Minding the Macro, and more. Let's dig in:“Any sort of improvement that we can make on the measurement side to prove the efficacy of our ad dollars is going to only enable us to put more and more budget into the channel.” -Justin Fitzpatrick (Head of Performance Marketing, Found) See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

If there is anything to be afraid of this Halloween... it's checking your bank account after all the overspending on costumes and candy! And not to mention the decorations! Greg and Holly discuss the top things most people regret spending money on during the Halloween season. Holly shares her fun facts of the day.

Ricky Burns: How to build £1M profit in year one (after losing it all at 26)Ricky Burns made incredible money at 26.Then he drank it all away.Partied it into oblivion. Got hit with a massive VAT bill he couldn't pay. Shut the whole thing down.Most people never recover from that kind of failure.Ricky went back into employment for 10 years.Ran European divisions. Watched. Learned. Took notes on what actually works.At 33, he started again.September 2024: Pulse Group launched with his co-founder Tony.12 months later:£1.2M in fees£1M in EBITDA (profit)I don't know anyone who's achieved these numbers in year one.This week on The RAG Podcast, Ricky breaks it all down.We cover:How they hit £1M profit in 12 months (it's simpler than you think)What killed his first business (beyond the partying)The 10 years of lessons that made the comeback inevitableWhy he paired recruitment with SOW consultancyThe systems and client focus driving 83% marginsHow AI is making them more efficient without adding headcountWhy work-life balance is now non-negotiableThis isn't your typical "I scaled fast" story.This is brutal honesty about failure, sobriety, and building something sustainable the second time around.If you've ever wondered what separates 6-figure founders from 7-figure founders - or if you think you've already missed your shot - this episode has the answers.__________________________________________Episode Sponsor: AtlasAdmin is a massive waste of time. That's why there's Atlas, the AI-first recruitment platform built for modern agencies.It doesn't only track CVs and calls. It remembers everything. Every email, every interview, every conversation. Instantly searchable, always available. And now, it's entering a whole new era.With Atlas 2.0, you can ask anything and it delivers. With Magic Search, you speak and it listens. It finds the right candidates using real conversations, not simply look for keywords.Atlas 2.0 also makes business development easier than ever. With Opportunities, you can track, manage and grow client relationships, powered by generative AI and built right into your workflow.Need insights? Custom dashboards give you total visibility over your pipeline. And that's not theory. Atlas customers have reported up to 41% EBITDA growth and an 85% increase in monthly billings after adopting the platform.No admin. No silos. No lost info. Nothing but faster shortlists, better hires and more time to focus on what actually drives revenue.Atlas is your personal AI partner for modern recruiting.Don't miss the future of recruitment. Get started with Atlas today and unlock your exclusive RAG listener offer at https://recruitwithatlas.com/therag/__________________________________________Episode Sponsor: HoxoEvery recruitment founder is investing in LinkedIn.Spending thousands on Recruiter licences.Building connections. Posting content. Growing networks.But here's the question almost no one can answer:How much revenue is LinkedIn actually bringing into your business?Most founders have thousands of connections but no clear process to turn that attention into cash.That's the problem we solve.At Hoxo, we help recruitment founders build predictable revenue systems on LinkedIn, not just noise or vanity metrics.Our clients are turning LinkedIn into £100K–£300K in new billings within months, using their existing...

Each year, Americans contribute over $100 billion to flexible spending accounts (FSAs) and health savings accounts (HSAs) for healthcare expenses. However, the “use it or lose it” rule for FSAs results in nearly half of Americans missing out.    Tune in for Optometrist Dr. Aaron Luekenga who is here to share with us helpful tips and suggestions on maximizing the benefits of an FSA or HSA.Moments with Marianne Radio Show airs in the Southern California area on KMET1490AM & 98.1 FM, an ABC Talk News Radio Affiliate! https://www.kmet1490am.comAaron M. Luekenga, OD, is an optometrist at Heritage Valley Eye Care Optometric Center in Fillmore, CA. He received his BS from Brigham Young University and his OD from Southern California College of Optometry. Dr. Luekenga began his clinical work with the U.S. Navy, serving as an officer and treating F18 fighter pilots, their crew, and families. He received specialty training in treating ocular trauma, eye diseases, and laser eye surgery. His clinical interests include ocular diseases, family practice eye care, contact lenses, and dry eye treatment. Dr. Luekenga joined Heritage Valley Eye Care in 2005. He is a Key Advisor to PERC. Dr. Luekenga has been consulting for Alcon since 2019. www.wrappedincomfort.netFor more show information visit: https://www.mariannepestana.com/

In this episode of The Daily Windup, we dive deep into America's fiscal reality check — and it's not pretty. Federal spending is now 53% higher than before the pandemic, with annual deficits exceeding $2 trillion. The interest alone on the national debt has reached $1 trillion, surpassing the Pentagon's entire budget and soon to overtake Medicare. My guest explains why both parties are trapped in a cycle of permanent tax cuts and permanent spending, creating what economists call a "structural deficit" — a fiscal hole that's now too big to close painlessly. We explore what happens if a recession hits while the government's already drowning in debt — and who's really going to pay the price when the cuts come. Key Takeaways: Federal spending is up 53% since before the pandemic, with deficits stuck near $2 trillion a year. Interest on the debt ($1 trillion) now costs more than the Pentagon and soon Medicare — a true structural deficit. Spending cuts will hit lower-income Americans hardest, while tax extensions and interest costs keep the system locked in debt. Know more about the Bootcamp: https://govcongiants.org/bootcamp Learn more: https://federalhelpcenter.com/ https://govcongiants.org/

Living simply isn't about deprivation—it's about freedom. And that freedom can unleash extraordinary generosity.God calls us to live with eternity in mind—not clinging to possessions but using what we have for His Kingdom. Randy Alcorn joins us today to talk about how we can loosen our grip on earthly things to open our hands to eternal impact.Randy Alcorn is the founder and director of Eternal Perspective Ministries (EPM) and the New York Times Bestselling author of more than 60 books, including Heaven, Money, Possessions, and Eternity, The Treasure Principle, and Giving Is the Good Life. His books have been translated into over 70 languages and have sold more than 10 million copies.Simplicity That Leads to GenerosityYou've likely heard the phrase, “Live simply, that others may simply live.” It's a short sentence with a world of meaning behind it—and one that feels increasingly relevant today.Everywhere we look, we see need. It's been that way ever since sin entered the world, but now the sheer scale is staggering—billions of people living in poverty, lacking food, clean water, or access to opportunity. When we consider this, it should be shocking to see how much of a difference it would make if those of us who follow Jesus simply chose to live on less—so that we could give more.This isn't about rejecting good gifts or living in asceticism. It's about reordering our priorities so that what God provides doesn't end with us. Living simply creates margin. And that margin can fuel generosity that transforms lives, both now and for eternity.Some people hear “simplicity” and think of minimalism for its own sake—going off the grid, cutting out every comfort, or proudly living with as little as possible. But simplicity by itself accomplishes very little.You could live the simplest life imaginable, and still not help anyone. The goal isn't simplicity—it's purposeful simplicity that opens the door to generous living.If God blesses you with wealth, there's no shame in that. In fact, that's a great opportunity. The question isn't how much do you have?—but what are you doing with what you have? Go ahead and earn well, but then invest it in God's Kingdom. Use what He's entrusted to you to love Him and to love others.That's where simplicity finds its true purpose—in freeing you to give more boldly, more joyfully, and more eternally.Seeing Life Through the Lens of EternityWhen Jesus said, “Store up for yourselves treasures in heaven,” He wasn't speaking in riddles. He was revealing a reality that reshapes everything we own. But if we have no concept of Heaven—if we're not eager for the life to come—then treasures in Heaven won't mean much to us.Scripture promises that God will one day bring Heaven down to Earth—the new Earth, a renewed creation where righteousness dwells. That's our forever home. That's the world we were made for.When we live in light of that eternal perspective, it changes how we view possessions today. Why cling to what's temporary when you can invest in what lasts forever? The things of this world fade—but what's given to God's purposes endures.For many of us, money and possessions have enormous mass. But when we give generously, we shift our center of gravity from earth to eternity. We begin to orbit around God's Kingdom rather than our own comfort. That's freedom.Becoming God's Delivery SystemEverything we have comes from God—and it's meant to flow through us, not stop with us. I like to say we're not buckets, we're pipelines. God's resources are meant to move through our lives to accomplish His purposes.If the FedEx driver delivered a package to himself instead of the intended recipient, we'd say he misunderstood his job. And yet, that's what many of us do with God's provision. We assume it's all for us when in reality, we're the delivery system for His grace.The Bible says, “Now it is required that those who have been given a trust must prove faithful.” (1 Corinthians 4:2) Faithful stewards don't hoard. They pass along what belongs to the true Owner.We've all heard the phrase, “God owns it all.” But do we live like it's true? If we really believe that everything we have belongs to Him, then generosity isn't a burden—it's obedience.That changes how we think about earning, saving, and spending. It means asking, “Lord, what do You want us to do with Your money?” That's stewardship in its purest form—managing God's resources for God's glory.Living for the Kingdom, Not the DreamThe Bible doesn't pit generosity against joy. In fact, they belong together. Paul writes in 1 Timothy 6 that God gives us all things richly to enjoy, even as he warns us about materialism.God delights in our joy. He gives good gifts. But He also invites us to hold them loosely. Take that vacation. Enjoy a good meal. But let gratitude and generosity flow together.Living simply doesn't mean rejecting enjoyment. It means finding joy in what pleases God most—seeing our resources advance His Kingdom and bless others in His name.It's easy to justify excess when someone else always seems to have more. But if we're not careful, we can baptize greed in the name of the American dream.God calls us to something far richer—a life rooted in gratitude, freedom, and Kingdom purpose. Living simply and giving generously keeps our hearts anchored in eternity and our hands open to bless others.That's not loss. That's joy. That's freedom. That's treasure that lasts forever.On Today's Program, Rob Answers Listener Questions:I'm 72 years old, still teaching at a state school, and I'd like to resume making payments on my student loans. They've been in deferment, so I haven't been able to make my regular $100-a-month payments. Is there any way I can make those payments? I've been told my loans won't qualify for forgiveness until I start paying on them.My husband and I are 55 and 56, and we own a business along with several rental properties. We have about $500,000 we'd like to invest, and we're considering a hybrid life insurance policy with a benefit access rider for long-term care. We'd put in about $155,000 for a guaranteed $250,000 death benefit each, for a total of $500,000, plus any growth. What do you think about that kind of approach?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Heaven: A Comprehensive Guide to Everything the Bible Says About Our Eternal Home (Clear Answers to 44 Real Questions About the Afterlife, Angels, Resurrection, and the Kingdom of God) by Randy AlcornMoney, Possessions, and Eternity: A Comprehensive Guide to What the Bible Says about Financial Stewardship, Generosity, Materialism, Retirement, Financial Planning, Gambling, Debt, and More by Randy AlcornEternal Perspective Ministries (EPM)Wisdom 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) or Certified Christian Financial Counselor (CertCFC)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.

 Join an active community of RE investors here: https://linktr.ee/gabepetersenHOW TO FIND OFF-MARKET DEALS WITHOUT SPENDING THOUSANDS ON MARKETING

How do you know when something is a cost you can cut or an investment you protect? This is one of the most common and misunderstood business dilemmas. If you struggle with decisions that involve pausing a subscription, delaying a hiring, or cutting out coaching because it feels expensive, then you could benefit from practical tools and perspective shifts that help you make smart, more confident spending decisions.In this episode of She Thinks Big, you'll learn a clear, five-question checklist that you can use to evaluate your business expenses. I'll also share my process for assessing your top recurring expenses and experimenting with gray-area (i.e., maybe) decisions so you can lead with strategy, not fear.2:37 – Why “Can I afford it?” is the wrong question to consider5:33 – Question checklist (with examples) to determine if something is a cost or investment9:51 – How investments often return more than the sticker shock suggests 11:32 – Four examples of how common expenses fall into cost or investment categories13:18 – Putting the question checklist to the test right now14:26 – A question to ask yourself if you're on the fence about a spending decision16:28 – Simple three-step test for spending decisions19:09 – Three small actions you can do this weekMentioned In Are You Spending or Investing in Business Growth?Ascension CollectiveSilent Saboteur AuditShe Thinks Big by Andrea LiebrossAccess the Strategic Decision Guide: Cost vs. InvestmentBook a 15-Minute Accountability Call with AndreaInternational Coaching Federation (ICF)Andrea on LinkedIn, Instagram, and FacebookDon't Just Listen—Implement ItUntangle your time, reset your role, and build systems that don't depend on your every move. No more white-knuckling your way through success because you're not just scaling your business, you're scaling yourself.Get the clarity and capacity to lead differently and ascend to your next level. Learn how and join us at andrealiebross.com/ascensionUntangle your time, reset your role, and build systems that don't depend on your every move. No more white-knuckling your way through success because you're not just scaling your business, you're scaling yourself.Get the clarity and capacity to lead differently and ascend to your next level. Learn how and join us at andrealiebross.com/ascension.

What happens when a global powerhouse doing 180,000 hires a year gets tired of lighting cash on fire? Gotta listen to find out. In this live RecFest session, the boys sit down with Shay Johnson, VP of Strategic HR Partnerships at Compass Group USA, who reveals how his team went from 2% conversion rates and duplicate job posts to building a hiring machine. Shay drops real playbook tactics—SMS conversion tactics, re-engagement automation, database recycling, spend control, and high-volume hiring strategy that every enterprise TA leader should be stealing by Monday. This one has it all the maths, modern TA strategy, automation wins, and a guy with better hair than Joel. Grab a bourbon and listen up. Shay's LinkedIn: https://www.linkedin.com/in/michaelshayjohnson/ Dalia candidate conversion - https://www.dalia.co ENJOY! 0:00 – Meet Shay Johnson1:20 – 2% conversion + dumpster fire2:44 – 5 million candidates a year?3:45 – Hiring managers go rogue.9:56 – Stop buying new candidates—reuse the ones you already paid for11:35 – Dalia + Paradox = Batman & Robin of hiring16:17 – Hiring automation so good recruiters don't know it exists21:33 – Spending smarter > burning budget on sponsorship confetti26:41 – In-house programmatic team = two nerds and a spreadsheet29:23 – Change management that didn't suck

Feeling like “flat” retirement spending plans don't match real life? You're not imagining it. Spending typically follows a retirement smile: higher in the early “go-go” years, lower in the “slow-go” years, then rising again later with healthcare needs. In this episode, Ari Taublieb, CFP®, shows how acknowledging that curve can unlock more life early on—without losing long-term security.Using illustrative scenarios (not recommendations), see how a $2,000,000 portfolio might support higher spending in active years (e.g., ~$110k), step down mid-retirement (e.g., ~$85k), and adjust later (e.g., ~$95k–$105k). A $1,000,000 portfolio might follow a similar pattern (e.g., ~$50k → ~$35k → ~$45k–$50k). The point isn't precision, it's aligning your plan with how people actually live.You'll learn how to frame spending guardrails, set review checkpoints, and coordinate income sources so your plan adapts as health, markets, and goals change. Ready to stress-test your numbers against reality and retire with more confidence?- Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation.The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal.Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate, and should not be considered testimonials or endorsementsParticipation in the Retirement Planning Academy or Early Retirement Academy does not create an advisory relationship with Root Financial. These programs are educational in nature and are not a substitute for personalized financial advice. Advisory services are offered only under a written agreement with Root Financial.Create Your Custom Early Retirement Strategy HereGet access to the same software I use for my clients and join the Early Retirement Academy hereAri Taublieb, CFP ®, MBA is the Chief Growth Officer of Root Financial Partners and a Fiduciary Financial Planner specializing in helping clients retire early with confidence.

Have a question you want me to answer on the podcast? Ask Here!Have you ever wondered, “How do I actually hear from God?” You're not alone! In this episode, Coach Jamie breaks down what it really means to hear God's voice — not just with your ears, but with your heart.