Podcasts about spending

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

Fear is part of the game, but it does not get to decide your future.In this episode, Todd Toback shares five real fears he faced on his path from sending handwritten letters and using fax machines to building a multi-million-dollar wholesaling business. He talks about feeling unprepared, leaving a six-figure job, spending real money on marketing, hiring a team, and stepping into completely new asset classes. Each fear became a turning point that pushed him toward greater growth.If fear has been holding you back, this episode is your reminder that confidence comes after you take action, not before it.---------Show notes:(0:50) Beginning of today's episode(1:09) Todd sets up the 5 fears he had to overcome in real estate(1:42) Fear #1: Not having the right tools (handwritten letters, no CRM, no systems)(3:52) Taking imperfect action and closing his first deal without contracts or funding lined up(4:25) How one phone call led to a $40,000 payday(5:09) Fear #2: Quitting a high-paying job and stepping into the unknown(6:23) How surviving a market crash made Todd a stronger investor(7:33) Fear #3: Spending real money on marketing(8:32) Turning $7,500 in mailers into a $38,000 deal(9:55) Fear #4: Hiring people and building a team(11:20) Why not hiring is actually more dangerous than competition(12:34) Fear #5: Investing in new asset classes outside of single-family homes(13:50) Defining “no-brainer” deals to reduce risk and fear(15:07) Dan Sullivan's 4 Cs: Commitment, Courage, Competence, Confidence(18:01) Why confidence only comes after you jump----------Resources:Dan Sullivan – The 4 Cs FrameworkBook referenced: Multiple Streams of Income by Robert AllenTo speak with Brent or one of our other expert coaches call (281) 835-4201 or schedule your free discovery call here to learn about our mentorship programs and become part of the TribeGo to Wholesalingincgroup.com to become part of one of the fastest growing Facebook communities in the Wholesaling space. Get all of your burning Wholesaling questions answered, gain access to JV partnerships, and connect with other "success minded" Rhinos in the community.It's 100% free to join. The opportunities in this community are endless, what are you waiting for?

If you're nearing retirement and uneasy about the math, you're not alone. Don and Tom tackle the uncomfortable reality that most near-retirees haven't actually run the numbers—and many won't like what they see when they do. Drawing on Vanguard data and real-world client experience, they break down three practical ways to shrink a retirement gap: working longer (but not necessarily full-time), thoughtfully tapping home equity, and spending less before and during retirement. 0:06 Opening and the retirement gap problem 0:52 Podcast platforms, Apple vs Spotify, and Don's short-story empire 4:08 How TRM ranks among investing podcasts and why that still feels surreal 5:24 Vanguard data: only 40% of near-retirees are on track 6:51 Kids, money, and why retirement math gets uncomfortable fast 7:51 Strategy #1: Working longer (and why part-time can be powerful) 9:41 Purpose, boredom, and the underrated psychology of retirement 10:00 Strategy #2: Home equity as a retirement resource 11:12 Downsizing, renting, HELOCs, and reverse mortgage trade-offs 13:05 Strategy #3: Spending less—before and during retirement 14:29 Reverse mortgage costs, limits, and real-world implications 17:01 Social Security timing and when immediate annuities actually help 18:40 Inflation risk, fixed income streams, and practical trade-offs 19:02 Listener Q: AVGE vs DFAW and understanding underlying holdings 21:48 Listener Q: Aggressive Roth portfolios intended for heirs 25:30 Listener Q: Washington 529 plans and GET vs traditional 529s 27:32 Listener Q: Quantum computing (short answer: no) 28:59 Sector investing, AI hype, and why diversification wins Learn more about your ad choices. Visit megaphone.fm/adchoices

From the NDAA fight over helicopter flights near Reagan National to stalled health care extensions, unfinished oversight on a deadly boat strike and nine spending bills still hanging in the balance, Congress is juggling high-stakes battles with no easy compromises. Mitchell Miller, Capitol Hill correspondent for WTOP, is here with the fault lines shaping the final stretch of the year.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

John Chang shares a solo market update from ICSC New York City, outlining what he's hearing from top researchers and brokers across the retail real estate world. He breaks down why uncertainty and slower job growth are stretching decision-making, while consumer debt headlines look less alarming when viewed against income levels, savings/money market balances, and delinquency trends. He also highlights tailwinds from millennials moving into prime earning/spending years and notes retail's leadership in the NCREIF total return index. Get 50% Off Monarch Money, the all-in-one financial tool at www.monarchmoney.com with code BESTEVER Visit bestevercrypto.com today to get started and earn up to $2,500 in bonus crypto. Join us at Best Ever Conference 2026! Find more info at: https://www.besteverconference.com/  Join the Best Ever Community  The Best Ever Community is live and growing - and we want serious commercial real estate investors like you inside. It's free to join, but you must apply and meet the criteria.  Connect with top operators, LPs, GPs, and more, get real insights, and be part of a curated network built to help you grow. Apply now at⁠ ⁠⁠⁠www.bestevercommunity.com⁠⁠ Podcast production done by⁠ ⁠Outlier Audio⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover 5 dividend-paying stocks where CEOs and CFOs are buying shares with their own money—including $5 million in purchases at one company in a single week. When executives put their personal cash into their own stock, especially when the CFO oversees all the finances, it's worth paying attention. This video breaks down Blue Owl Capital (OWL), TriplePoint Venture Growth (TPVG), Hershey (HSY), Energizer (ENR), and Dorchester Minerals (DMLP)—all with recent insider buying activity. Not financial advice, but a great starting point for your own research into these dividend stocks. Check out the ⁠⁠YouTube video⁠⁠!Dapper Dividends Recommendation Tracker SpreadsheetCheck out my current portfolio on

Living in greener neighborhoods is linked to significantly fewer hospitalizations for mental illness, including depression, anxiety, psychosis, and dementia A global analysis of 11.4 million cases found that just a small increase in vegetation density reduced mental health hospital admissions by 7% Urban residents experienced the strongest benefits — cities with more parks and tree-lined streets saw 13% fewer psychiatric hospitalizations Researchers discovered that the ideal balance for mental well-being is when about half your surroundings are green; both too little and too much vegetation reduce benefits Spending at least 30 minutes a day in moderate greenery, walking outdoors, or adding plants to your home helps lower stress hormones, boost focus, and improve emotional resilience

Netflix Stranger Things | Pete Alonso | I don't want to hear about overpaying |

In this episode, Warren Ingram and Pieter de Villiers speak about the essential strategies for managing investments during retirement. They touch on the importance of understanding investment risks, maintaining stock market exposure, and creating a balanced asset allocation. The conversation also covers the significance of local versus offshore investments, managing cash reserves, and the psychological aspects of spending in retirement. TakeawaysRetirement is a new phase, not the end of investing.Cost of living increases are a significant concern in retirement.Managing emotions is crucial for investment strategies.Investing too conservatively can lead to financial struggles later.Sequence of return risk can impact long-term capital.A balanced asset allocation is essential for retirement.Stock market exposure is necessary for inflation protection.Cash reserves can mitigate risks during market downturns.Spending in retirement should be planned and intentional.Lifestyle changes should be considered in retirement planning.Learn more about Prescient Investment Management here.Send us a textHave a question for Warren? Don't forget to voice note your questions through our WhatsApp chat on (+27)79 807 8162 and you could be featured in one of our episodes. Follow us on Twitter, LinkedIn and subscribe to our YouTube channel for more Financial Freedom content: @HonestMoneyPod

 Chris Markowski, the Watchdog on Wall Street, delves into the financial truths that are often obscured by mainstream narratives. He discusses the ethical implications of capitalism, the pitfalls of trading platforms like Robinhood, and the consequences of political decisions on financial justice. Markowski emphasizes the need for accountability in both the financial sector and government, while also critiquing the media's role in shaping public perception. The conversation touches on various topics, including Ponzi schemes, government spending, healthcare fraud, and the current state of the entertainment industry, culminating in a discussion about the implications of technology and regulation in the modern economy.

“Spending time in hell is not my idea of something that one should do,” says poet Lorna Goodison, yet she immersed herself there for years to create her extraordinary modern Jamaican translation of Dante's Inferno. We are thrilled to offer this conversation between Pádraig and Lorna, recorded as an online component of the Greenbelt Festival in England in 2025. She reads from her work, and together, they discuss Lorna's inspiration for her underworld undertaking, how she found her Virgil, and why she calls The Inferno “bitter, necessary medicine for now.”   We invite you to subscribe to Pádraig's weekly Poetry Unbound Substack, read the Poetry Unbound books and his newest work, Kitchen Hymns, or listen to all our Poetry Unbound episodes.  Caribbean poet Lorna Goodison was born in Kingston, Jamaica. She was appointed Poet Laureate of Jamaica in 2017. In 2018, she received a Windham-Campbell Literature Prize, and in 2019 she was awarded the Queen's Gold Medal for Poetry.Find the transcript for this show at onbeing.org. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

My goal in this episode is for you to walk away knowing your ideal deep dopamine habits.  Those little things you do that make you feel fulfilled and happy and like you are making progress in the ways that you want to.    You know that feeling after you've been on your phone for 45 minutes scrolling or flipping through tabs and you look up and feel kind of empty? Like your brain is tired but you didn't actually do anything? That's cheap dopamine. It's the quick hit. The fast fix. The thing that feels good in the moment but leaves you drained and unfocused. Now imagine the opposite.    You go for a walk, lift weights, write something meaningful, finish a book, or work on something that's important to you. It's not flashy. It doesn't give you the instant rush. But it gives you something way better… calm, clarity, and long-term satisfaction. That's deep dopamine. And today we're talking all about how to stop chasing the quick hits and start training your brain to love the good stuff.     I could not do this without planning my weeks every Sunday… I physically couldn't! Here's the system I created & use & love!  To plan your days and your life with intention…  https://howtobeawesomeateverything.com/pages/2-0weeklyhabitsandplanningsystem   What Dopamine Really Is Dopamine is a neurotransmitter. It's often labeled as the pleasure chemical, but it's more about motivation and drive. It plays a key role in what gets your attention and what keeps you engaged. Every time your brain anticipates a reward, dopamine is involved. It's what makes you chase something, whether that's a cookie, a workout, a new follower, or a big goal. It's not the dopamine itself that's the problem. It's where you're getting it from and how often. If you constantly flood your brain with quick and easy sources of dopamine, you make it harder to get motivated for the slower, more meaningful things. Andrew Huberman explains it this way: dopamine is not about the pursuit of happiness, it is about the happiness of pursuit. He also teaches that dopamine is a currency. We are always spending it, and when we use it on things that require no effort, we get very little return. But when we invest it in things like a hard workout or a creative project, the return is stronger and lasts longer. He emphasizes that dopamine is what drives us to act, to seek, to pursue… it is not simply about feeling good. It's about staying in forward motion.   What Is Cheap Dopamine Cheap dopamine comes from fast, easy sources that take very little effort and offer very little reward long term. Some examples of cheap dopamine: Scrolling social media Watching endless TikToks or YouTube videos Snacking out of boredom Clicking for likes or notifications Gossiping or complaining Online shopping for things you don't need Checking your phone over and over without purpose These things feel good in the moment, but often leave you feeling worse later. It's like junk food for your brain… sweet, salty, addictive, and ultimately unfulfilling. Studies show that excessive exposure to short-form content or fast dopamine triggers can lead to decreased attention span, mental fatigue, emotional numbness, and a decreased ability to feel reward from slower, more meaningful tasks. Huberman also talks about dopamine stacking... when you stack multiple sources of cheap dopamine together, like scrolling while snacking while listening to background noise. This overstimulates the reward system and makes it harder for your brain to enjoy simple or quiet activities. You become desensitized, and what used to bring joy now feels flat. That's the cost of too much cheap dopamine.   What Is Deep Dopamine Deep dopamine is the kind of reward your brain gets from actions that require effort, presence, or skill. It builds over time and leads to a longer-lasting sense of fulfillment. Examples of deep dopamine: Strength training or physical exercise Reading a book Writing or creating something Deep, uninterrupted work Learning a new skill Spending intentional time with people you love Completing a long project Volunteering or contributing in a meaningful way These habits take more focus and often feel slower, but they leave you with a sense of momentum and pride. You don't crash after them. You build from them. When you choose deep dopamine, you're making a longer-term investment in your mental clarity, emotional resilience, and sense of purpose. You start feeling calm instead of anxious, proud instead of overstimulated, and you strengthen your ability to focus and follow through. Huberman explains that deep dopamine is often tied to effort. It's the system that rewards you after doing something hard, not something convenient. And that's what makes it powerful. The satisfaction comes from knowing you earned it.   Why This Matters The more often you go for quick, cheap dopamine, the more your brain becomes desensitized to it. Over time, you stop getting the same hit from a scroll or a like, and your baseline dopamine levels drop. It's harder to feel motivated. Harder to feel joy. Harder to stay focused. You might feel like you need constant stimulation to avoid feeling bored or anxious. But when you flip that script and start choosing deep dopamine more often, your brain rebalances. You regain your ability to enjoy slow progress. You stop needing quick distractions and start enjoying the quiet confidence that comes from doing things that matter to you. Research shows that daily engagement in physical activity, creative work, or focused learning helps restore natural dopamine cycles, improve mental clarity, reduce stress, and increase emotional stability. Huberman explains that one of the fastest ways to rebalance your dopamine system is to temporarily reduce cheap dopamine triggers and replace them with effort-based rewards... even small ones. The shift doesn't require massive lifestyle changes. It starts with awareness, then small swaps, and finally momentum.   How to Train Yourself to Choose Deep Dopamine Recognize the patterns. When you feel the urge to scroll, pause and ask yourself what you're looking for. Are you bored? Anxious? Trying to avoid something else? Replace, don't just remove. If you're going to stop scrolling, have something better ready. A walk. A good podcast. A book. A 10-minute workout. Make a plan ahead of time. Don't wait until you're tired and distracted to decide what matters. That's when the cheap dopamine wins. Give yourself permission to enjoy effort. Deep dopamine often comes with friction. It's not always fun in the beginning, but the payoff is real and lasting. Set up your environment to support better choices. Turn off notifications. Put your phone in another room. Put your workout clothes or journal somewhere visible. Celebrate your wins. When you choose deep dopamine over cheap dopamine, take a second to notice how it feels. Reinforce that feeling. Huberman reminds us that the brain changes based on what it's exposed to regularly. Choosing deep dopamine isn't about perfection. It's about consistently reminding your brain what fulfillment actually feels like. The world is full of cheap dopamine. It's built into our apps, our habits, and even our conversations. But you don't have to live in reaction mode. You can train your brain to want the things that give you long-term growth and peace instead of short-term distraction. Start by noticing. Then start swapping. Choose things that challenge you, ground you, stretch you, and make you proud. It won't always be easier in the moment, but it will always be more fulfilling. That's how you create a life that actually feels good to live... one deep dopamine choice at a time.

Plus: Broadcom slid after its latest earnings report. And Bank of America hit an all-time stock price for the first time in 19 years. Danny Lewis hosts. Sign up for WSJ's free What's News newsletter. An artificial-intelligence tool assisted in the making of this episode by creating summaries that were based on Wall Street Journal reporting and reviewed and adapted by an editor. Learn more about your ad choices. Visit megaphone.fm/adchoices

Hans and Brian challenge the conventional wisdom around qualified retirement plans and expose the misaligned incentives baked into the 401(k) system.Most people defend their 401(k)s and IRAs with passion—but they're carrying water for institutions whose goals directly conflict with their own. This episode breaks down the four things financial institutions want from your money, reveals the history of how employers shifted pension risk onto employees, and asks the critical question: whose incentives are you serving?The conventional model says lock your money away for 40 years, fund your own retirement, bear all the market risk, and hope you have enough at 65. The qualified plan gives you a 13-year window of control—you can't touch it penalty-free until 59.5, and RMDs force withdrawals starting at 73. That means if you live to 76, you only controlled your money 25% of your life. Meanwhile, the average person retiring today has $537,000 saved but needs $1.5 million. The system is failing, yet people aggressively defend it.Chapters:00:00 - Opening segment 03:40 - Revisiting fundamentals 04:25 - What do financial institutions want from you? 05:25 - The four goals: get your money, hold it systematically, keep it long, give back little 06:40 - We just described a qualified plan 07:50 - The 13-year window: locked until 59.5, forced RMDs at 73 08:45 - Tax benefits: the one real advantage of a Roth 10:00 - Why we're assuming Roth for this discussion 11:30 - The gray area in Roth tax code and the $42 trillion sitting in qualified plans 12:35 - Only controlling your money 25% of your life 13:20 - Teaching kids to be good stewards vs. locking their money away 14:30 - RMD penalties: 25% minimum, up to 50% in some scenarios 16:00 - TSP RMD mechanics: you can't choose which funds to liquidate 17:00 - Taking the employer match and using whole life as a volatility buffer 18:20 - Spending down qualified plans first, not leaving them to heirs 18:50 - The pension system: employers provided capital and bore market risk 21:20 - The shift: now employees fund their own retirement and bear all risk 23:10 - Stockholm Syndrome: aggressively defending the institutions that benefit 24:00 - Median household income $84K, needs $1.5M, average savings $537K 27:40 - Why the average is skewed by millionaires (statistical reality check) 29:25 - Comparing contractual guarantees to projections and prospectuses 31:00 - Strip away the labels: whole life is just an asset, just like mutual funds 32:20 - We want you to understand WHY you believe what you believe 33:35 - The rate of return objection and Nelson's tailwind example 36:15 - Whose incentives align with yours? Insurance companies vs. 401(k) managers 38:05 - Underwriting proves alignment: they want you healthy and financially stable 39:30 - Our mission: cut banks out, create tax-free estates, control your capital 41:15 - Closing thoughtsVisit https://remnantfinance.com for more informationFOLLOW REMNANT FINANCEYoutube: @RemnantFinance (https://www.youtube.com/@RemnantFinance )Facebook: @remnantfinance (https://www.facebook.com/profile.php?id=61560694316588 )Twitter: @remnantfinance (https://x.com/remnantfinance )TikTok: @RemnantFinanceDon't forget to hit LIKE and SUBSCRIBEGot Questions? Reach out to us at info@remnantfinance.com or book a call at https://remnantfinance.com/calendar !

Get the stories from today's show in THE STACK: https://justinbarclay.comJoin Justin in the MAHA revolution - http://HealthWithJustin.comProTech Heating and Cooling - http://ProTechGR.com New gear is here! Check out the latest in the Justin Store: https://justinbarclay.com/storeKirk Elliott PHD - FREE consultation on wealth conservation - http://GoldWithJustin.comTry Cue Streaming for just $2 / day and help support the good guys https://justinbarclay.com/cueUp to 80% OFF! Use promo code JUSTIN http://MyPillow.com/JustinPatriots are making the Switch! What if we could start voting with our dollars too? http://SwitchWithJustin.com

There is a great pattern for us to follow as we watch men like Wilford Woodruff and Spencer W. Kimball struggle through getting answers to their prayers. The things they did are the same things we can do when searching for our own “declarations” from God.If you'd like to view the video that goes with the podcast, click here!

AdImpact, an organization tracking political ads, estimates the Maine Senate contest could help draw more than $300 million in spending on congressional races in the state next year. That's nearly a third more than the record-smashing amount spent in 2020 when Republican U.S. Sen. Susan Collins secured her fifth term.

Inflation, high costs, and economic uncertainty have Georgians rethinking how far they plan to spend and stretch their dollar in 2026. For Feedback Friday for a special edition of “Closer Look,” program host Rose Scott opened the phone lines to hear from callers. They discussed their spending habits in 2025 and candidly shared their concerns for how they plan to navigate their spending in the new year. We also hear from WABE contributor Tom Smith, an associate professor in the practice of finance at Emory University's Goizueta Business School, and Roger Tutterow, a professor of economics at Kennesaw State University.See omnystudio.com/listener for privacy information.

Are you struggling to find and market to the right people? David Elliott, CEO of Pearl Nano and host of Calling All Detailers, breaks down the critical concept of finding your Ideal Customer by creating a Customer Persona! Your customer persona is a "fake person" based on your top-spending 2-3% of clients. You need to analyze details like their: Gender (e.g., Male) Vehicle type (e.g., Corvette, Mercedes) Interests and habits (e.g., belongs to a Country Club, likes a specific sports team) Age (e.g., 63 years old) Spending habits (e.g., spends $10k per year with you) By creating a specific persona (like "Bob"), you can direct your marketing efforts, such as Facebook Ads, to find more people just like your best customers. This targeted approach helps you stop wasting money and brings more ideal clients into your shop! Need more help with your business strategy? Email Dave: Dave@PearlNano.com Call Directly: 808-779-7163 Hashtags #IdealCustomer #CustomerPersona #DetailingBusiness #DetailingMarketing #BusinessStrategy #TargetAudience #FacebookAds #EntrepreneurTips #CallingAllDetailers #PearlNano Calling All Detailers - This includes Detailing Enthusiasts - DIY and Detail Professionals. Helping all kinds of Detailers earn more money, by helping then Create more SUCCESS through Knowledge, Motivation and the 10X Mindset, Plus incorporate Common Sense and Sales & Marketing Strategies to their business plans. Be sure to use the best Detailing Supplies and Ceramic Coatings in the world. Pearl Nano. Grab your free Wholesale account at CallingAllDetailers.com Links to the websites are below. Watch my free, 16 chapter, online course all about how to 10X your detailing business: https://www.youtube.com/playlist?list=PLbQrc3JEe48FEqkR1hTNzhAMwDBS_6Y9Y Check out the Calling All Detailers Podcast (Business + Products + Community): https://open.spotify.com/show/2spT8MrFQPrl0rwpjo6cbN Join our Private Facebook group - a community of experienced detailers who use Pearl Nano products: https://www.facebook.com/groups/1071820092849444/ Sign up for your free wholesale account: https://callingalldetailers.com/pages/wholesale Launch your own brand of car care products: https://www.privatelabelcarcare.com/ or apply here: https://callingalldetailers.com/pages/private-labeling ------------------------- In this video, I share the ways that you can map out Your Ideal Customer and How Can You Attract Them. In the beginning of business, most people take what they can get. Once you are established, you may have the luxury to pick the best customers and only work with them. ------------------------- BEST PRODUCT-RELATED RESOURCES: The 18 Pearl Nano Products and Their Uses: https://youtu.be/Sev7EpsZDG0 Unboxing the Pearl Nano Sample Pack: https://youtu.be/oE5XYxTHmqM Selling Car Care Products? Which ones to begin with and why: https://youtu.be/oikt-NbtFL0 Launching Your Own Brand of Amazing Car Care Products: https://www.privatelabelcarcare.com/ Buy Pearl Nano - Retail/ DIY Detailers: PearlNano.com - https://pearlnano.com/ Buy Pearl Nano Wholesale for Detailing Professionals" CallingAllDetailers.com - http://CallingAllDetailers.com ---------- Follow me: • Instagram: https://www.instagram.com/callingalldetailers/ • Tiktok: https://www.tiktok.com/@pearlnano • YouTube: https://www.youtube.com/@callingalldetailers Facebook https://www.facebook.com/CallingAllDetailers My name is David Elliott, owner of Pearl Nano, LLC. I've been a car care product producer, marketer, and sales professional for over 28 years. I've sold car care products in over 100 countries and have worked with thousands of detailing professionals along the way. I'm a sales and marketing expert, designer, podcaster, retired military veteran with over 20 years of active duty in the US Air Force, father of three, longtime surfer and paddleboarder, and an avid sailing enthusiast and catamaran owner. It sounds cliche, but my job is to make you money! I do that by helping, teaching, and mentoring you. From a 10X mindset to motivation and driven dedication. It's all hard work, but it all comes from within. I also offer the best detail supplies in the world. If you don't believe me, order a sample pack and see for yourself. https://pearlnano.com/products/pearl-nano-sample-pack-with-coatings-pro-only For order directly, please contact: Sales@PearlNano.com #AutoDetailing #carcareproducts #privatelabelcarcare #MakeMoreMoney #Detailing #10XDETAIL #PEARLNANO #callingalldetailers #autodetail #ceramiccoating #detailingprofessionals

Today's headlines include: The Prime Minister has requested advice from the Independent Parliamentary Expenses Authority (IPEA) amid ongoing questions over travel expenses claimed by Communications Minister Anika Wells. The accused killer of conservative activist Charlie Kirk has appeared in court in person for the first time. Thailand's Prime Minister has announced that he is "returning power to the people," moving to dissolve parliament and clear the way for elections earlier ⁠than previously anticipated. And today’s good news: British artist Nnena Kalu has become the first artist with a learning disability to win the prestigious Turner Prize, the UK’s top visual arts awards. Reporting with AAP. Hosts: Sam Koslowski and Zara SeidlerProducer: Rosa Bowden Want to support The Daily Aus? That's so kind! The best way to do that is to click ‘follow’ on Spotify or Apple and to leave us a five-star review. We would be so grateful. The Daily Aus is a media company focused on delivering accessible and digestible news to young people. We are completely independent. Want more from TDA?Subscribe to The Daily Aus newsletterSubscribe to The Daily Aus’ YouTube Channel Have feedback for us?We’re always looking for new ways to improve what we do. If you’ve got feedback, we’re all ears. Tell us here.See omnystudio.com/listener for privacy information.

There are signs that green shoots are starting to flourish economically. The latest card spending data from Stats NZ shows retail spending was up 1.6-percent last month, compared to November last year. Spending was up across the board - on the likes of groceries, household items and clothes. ASB Chief Economist Nick Tuffley told Ryan Bridge that the GDP for the second half of the year has had a strong rebound. He says they're expecting 0.8 percent for the upcoming quarter. LISTEN ABOVESee omnystudio.com/listener for privacy information.

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Irish consumer spending reached a new high last Christmas and is on course to break festive records again! But during a cost of living crisis, can we really afford a top dollar Christmas, and how can you keep spending low during the festive high? Newstalk's Sarah Madden reports:

Still doubt the spending to come this offseason? That's fair, but ... Hear award-winning columnist Dejan Kovacevic's Daily Shots of Steelers, Penguins and Pirates -- three separate podcasts -- every weekday morning on the DK Pittsburgh Sports podcasting network, available on all platforms: https://linktr.ee/dkpghsports Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of The Liquidity Event, AJ and Shane dive into billionaire wealth gaps, UK "rags to riches" stories, and what happens when fast financial success reshapes friendships. They unpack media narratives, economic inequality, and why Business Insider profiles might not tell the full truth. The conversation expands into EU vs. US tech power, streaming-platform consolidation, and the rise of "enshittification" across the internet. AJ and Shane also cover year-end money moves, including FSA/HSA spending strategies, Trump Accounts, and how early-life investment programs could change generational wealth. They discuss credit-building hacks, life-changing compounding math, and the personal finance implications of giving every American baby a federally funded investment account. The episode closes with a look at what to do with an extra $100K at year-end — plus a few fun ideas for how to blow it in six hours. Key Timestamps (00:00) Bemelmans Bar recap and the Shrimp Cocktail Index (03:00) Rags-to-riches story: £20M in 8 years and the fallout of fast success (05:00) "Self-made" narratives, Bill Gates' daughter, and privilege vs. perception (08:10) UK vs. US GDP, economic decline, and foreign ownership concerns (09:30) Big Tech fines in the EU and the power imbalance with U.S. platforms (11:45) Streaming chaos: Netflix, Warner Bros., pirating, and lost media access (12:50) "Enshittification" explained — how platforms get worse over time (13:20) FSA/HSA hacks, eligible gift ideas, and Peloton letters of medical necessity (16:30) Trump Accounts, Dell family matching, and life-changing compounding math (26:00) What to do with an extra $100K — loans, DAFs, mortgages, and dream spending  

This week, Angela discuss the real value of a million dollars in retirement and how to approach financial planning in a personalized way. She emphasizes that financial advice should not be cookie-cutter and must consider individual circumstances, risk tolerance, and future goals. Key Takeaways

Host and American Family Farmer, Doug Stephan www.eastleighfarm.com shares the biggest news affecting family farmers, starting with preparations for incoming bad weather. Doug has already put most of his equipment away for the season, with the exception of what he's still using. Looking back at stats over recent years, farming operations have faced some significant weather with early frosts, extreme winter weather, droughts or heat waves, and how events may intensify because of global warming and how we can prepare. Key advice includes staying informed on incoming weather and who to call when in need, develop an emergency protocol for evacuation, stock and maintain emergency supply kits, keep up-to-date inventory, have fire prevention measures in place, and discuss protocols with your family and farm staff. Moving on, Doug shares some statistics of not about the number of farms going down. There are less and less farming operations as time goes on. Doug poses the rhetorical question, “why?” Many reasons, of course. There are less and less generational farmers as families have either lost their land, couldn't keep up with on-farm jobs, or kin moving on to other careers. Another reason is that it's becoming increasingly difficult for new farmers to get started if there isn't already farmland in the family. Commercialized farming is also taking over due to convenience for consumers, but with low quality, highly processed products. When you look at that food and how it's keeping our citizens sick, it's no wonder many have to spend so much money on health insurance and health care in general. Spending more money to support family farmers, getting better quality food, is less expensive in the long run when you're not eating food that makes you (and keeps you) and your family sick. In other news, companies Uncommon Farms and Total Acre have a new strategic partnership to expand technology and expertise to growers and farmers all across our country to help with tools to empower farmers to manage both performance and business profitability. Lastly, Doug opines on President Trump's announcements of plans to bring down the price of food. Other focus lies on bringing down the price of beef, but a result of the deal with Argentina to import more beef from them is causing the live cattle market to drop. Website: AmericanFamilyFarmerShow.com Social Media: @GoodDayNetworks

Send us a text“Spending your younger years travelling is shortsighted” - we unpack this week's controversial opinion, then dive into your dilemmas:

Our panel tonight is Joe Neville, Fine Gael TD, Kildare North, Louis O'Hara, Sinn Féin TD, Galway East, Aidan Farrelly, Social Democrats TD for Kildare North and Mary Regan, Political Editor, the Irish Independent.

The federal budget has billions of dollars allocated for defence spending. Today on the show we dive into a dicussion with industry experts on how the provincial government and business can maximize our slice of the pie. GUESTS - Florian Villaumé, CEO of techNL; Michelle Simms, CEO of the regional economic development agency Advantage St. John's; Karen Moores, Atlantic Canada at the Council of Canadian Innovators' senior advisor; Charlie Oliver, property management specialist with Martek and also with Think N.L; Mark Norman, retired vice-admiral who commanded Canada's Navy and was vice-chief of Defence.

We are Green-lighting! Announcing the participants for the CTP Cup 2025 (2) Lots of execs moving around all of a sudden A Chocolate Craze PLUS we are now on Spotify and Amazon Music/Podcasts! Click HERE for Show Notes and Links DHUnplugged is now streaming live - with listener chat. Click on link on the right sidebar. Love the Show? Then how about a Donation? Follow John C. Dvorak on Twitter Follow Andrew Horowitz on Twitter Interactive Brokers  Warm-Up - Announcing the participants for the CTP Cup 2025 (2) - Lots of execs moving around all of a sudden - Chocolate Craze Markets - NVDA gets the greenlight - Waiting for the ECO - ALL eyes...... Wednesday at 2pm - Oil Dropping - Gas Prices Dropping slightly - Just saw $2.59 for regular unleaded down here - Double edged sword - oil prices dropping is sign of eco slowdown... Nothing to be excited about just yet.... Inflation - PCE comes in a little lighter than expected - However, let us be clear that inflation is not lower and prices grossly above where we were a couple of years ago - Inflation still running at around 3% overall - Fed set to greenlight the rate cut Oil and Gas - Oil has been dropping - reports that use will slow over the next year - Gas Prices Dropping slightly - Just saw $2.59 for regular unleaded down here - Double edged sword - oil prices dropping is sign of eco slowdown... Nothing to be excited about just yet.... Jobs - Reports show that U.S. employers have announced over 1.1 million job cuts in 2025 (as of early December), marking the highest level since the pandemic's start in 2020. - This has been driven by tech integration (AI), economic shifts, and soft consumer spending, with sectors like government, tech, retail, and warehousing leading. Greenlight - No security problems here - Seeking a compromise over controlling exports to China, the US Department of Commerce will soon allow the export of powerful Nvidia GPUs that are roughly 18 months behind its most advanced offerings, according to a person with knowledge of the plan. - The move, which would send Nvidia H200s to China, seeks to find a middle ground between those who oppose exports of any advanced AI chips and those who worry that restrictions will merely hand the market to Chinese competitors. - It also aims to satisfy the Chinese government, which has blocked imports of less powerful chips, such as Nvidia's H20. - This can be gamed ..... - OHHHH - and USA to get 25% of the sales ???? China Not With Program - China is buying soybeans again, but short of President Trump's target, according to CNBC - Really think this is a big game and will not resolve anytime soon - China still holds the cards ECO Data Starting to Flow Again - BLS to publish October PPI data with the November PPI news release on January 14, 2026 - Unemployment report released Dec 16th - This week is a little slow but next week (Dec 15-19) kick it up hard - - - Dec 19 Income and Spending , PCE report, Housing starts, Retail Sales, CPI (Nov), Leading Indicators, Philly Fed, UMich Sentiment Apple Turnover - Not the pastry - In just the past week, Apple's heads of artificial intelligence and interface design stepped down. - Then the company announced that its general counsel and head of governmental affairs were leaving as well. - All four executives have reported directly to Chief Executive Officer Tim Cook Berkshire Too - Todd Combs, one of Warren Buffett's investing lieutenants and the CEO of GEICO, is departing Berkshire Hathaway and joining JPMorgan Chase in a new role as part of a major shake-up involving both firms. - Combs is leaving Berkshire Hathaway and his role leading GEICO to run the bank's new investment group as part of its wider "security and resilience" initiative announced in October. AI Frames - Warby Parker and Google announced that the first lightweight, AI glasses developed through their partnership are expected to launch in 2026 - What will be different about these? All others have seemed to failed miserably. Mergers - Maybe - Netflix announced Friday it's reached a deal to buy pieces of Warner Bros. Discovery, bringing a swift end to a dramatic bidding process that saw Paramount Skydance and Comcast also vying for the legacy assets. - The transaction is comprised of cash and stock and is valued at $27.75 per WBD share - Others are offering $30 CASH per share - President Trump has put in his comments that he thinks it may be a tough one to clear - $2.8B breakup fee if Warner Brothers pulls out and $5.8B reverse break up fee if the deal is not approved. Oracle Earnings - Wednesday after the bell - This is the poster child for the vendor and circular financing - Stock was the darling for a minute a few months ago - Written: "The stock has fallen roughly 32-40% from its September 10 peak, erasing its "Nvidia moment" rally and turning Oracle into the primary vehicle for expressing skepticism about the AI build-out and OpenAI's economics." - Briefing analyst Forgot this... - What happened to the Tik Tok deal and the China bad discussion? --- History.... - Negotiations happened between ByteDance, Oracle, and Walmart back in 2020, and later discussions continued under “Project Texas” for U.S. data security. - The proposed structure (Oracle as tech partner, U.S. investors taking a stake) was announced but never finalized into a binding acquisition or spin-off. - Instead, TikTok remained under ByteDance ownership, while implementing U.S. data storage and security measures through Oracle. - The U.S. government extended deadlines multiple times, but no sale or transfer of ownership occurred. - China wins again! So much winning! Private Credit  - Private markets investing startup Yieldstreet, now calling itself Willow Wealth, recently informed customers of new defaults on real estate projects in Houston and Nashville, Tennessee. The letters, obtained and verified by CNBC, account for about $41 million in new losses. - They come on the heels of $89 million in marine loan wipeouts disclosed in September and $78 million in losses previously reported by CNBC. - Willow Wealth also removed a decade of historical performance data from public view in recent weeks. - Total losses? $208 million Pistachios - Dubai Craze - Milk chocolate shell filled with: - Pistachio cream (often blended with tahini for a nutty, slightly savory note) - Kadayif (shredded phyllo pastry) for crunch - Created in 2021, went viral in 2023 via the SOCH -  United States, Iran, and Turkey the biggest producers of pistachios - Argentina betting on it to continue  - adding to their farmland to cover the demand - Dubai Chocolate Bar (the viral pistachio-knafeh chocolate) generated over $50–$60 million in global sales for the year. IndiGo - In November, new Flight Duty Time Limitation (FDTL) rules increased pilot rest periods. - IndiGo failed to adjust crew rosters, causing a severe pilot shortage during peak travel season. - 1000s of flights cancelled - IndiGo apologized and implemented measures like processing refunds, arranging transport/hotels for stranded passengers, and strengthening customer support. - As of this week - still having major problems - stock don 20% from its high on this news (not traded in USA) Grok Report - Using Grok as Copilot is getting a little weird....ChatGPT a little slow - Photo to video clip - pretty cool - Image generation - FAST! - Can have full on conversations and even companions.....(?) - More racy than other Ai (as is to be expected) Age 18+  options - Interesting nd impressive thus far. OMG  - Brown Nosing - Stellantis said it will bring an all-electric small “car” called the Fiat Topolino to the U.S. - The Topolino is actually categorized as “an all-electric quadricycle” rather than a car, according to Stellantis and has a top speed of roughly 28 miles per hour. - Fiat's announcement comes less than a week after President Donald Trump praised small “Kei” cars from Japan and expressed interest in bringing tiny cars to the U.S. Love the Show? Then how about a Donation? The Winner for iShares Bitcoin Trust ETF (IBIT) Winners will be getting great stuff like the new "OFFICIAL" DHUnplugged Shirt! CTP CUP 2025 Participants: Jim Beaver Mike Kazmierczak Joe Metzger Ken Degel David Martin Dean Wormell Neil Larion Mary Lou Schwarzer Eric Harvey (2024 Winner) FED AND CRYPTO LIMERICKS See this week's stock picks HERE Follow John C. Dvorak on Twitter Follow Andrew Horowitz on Twitter

On this episode of Destination on the Left, I talk with Erin Groh, Head of Marketing at iSeatz, a leading but often behind-the-scenes travel tech company powering loyalty programs for brands like American Express, IHG Hotels & Resorts, and Qantas. Erin shares her fascinating career journey from traditional and digital media through to travel technology, illustrating how influencer marketing, social media, and travel tech are now converging to reshape the modern travel experience. Listeners will find out why today's travelers are prioritizing dream trips—even if it means rebalancing their budgets, how social media now influences every step of the travel decision-making funnel, and the evolving expectations around personalization, including what travelers are willing to share for better experiences. What You Will Learn in This Episode: How iSeatz powers major brands like American Express and Delta's travel loyalty programs What the iSeatz Modern Traveler Report reveals about travelers' motivations and how budget constraints impact trip decisions How travelers are rebalancing their spending, cutting back on dining and shopping in favor of travel experiences Why social media and influencer marketing have become leading sources of travel inspiration and purchase decisions, especially among Gen Z and Millennials What "value" really means to today's travelers, and how expectations for personalization in travel are evolving How sustainability is shaping travel choices and what the industry can do to make sustainable options easier for consumers Technology-Powered Loyalty Programs Most travelers may not recognize iSeatz by name, but they've likely interacted with its technology. Erin explains how iSeatz works behind the scenes with iconic brands like American Express, Delta, and IHG Hotels and Resorts, powering the platforms that make booking and redeeming travel rewards seamless. As the connectivity layer, iSeatz enables partnerships, keeps loyalty programs fresh, and continually adapts to new technologies and consumer expectations. Collaborative relationships between travel brands and tech providers aren't just helpful, they're essential, especially when consumer demands and industry dynamics are rapidly evolving. Today's travelers expect fluid, rewarding experiences, and companies have to innovate to keep pace. Dream Trips Are Non-Negotiable One of the most striking findings of The iSeatz Modern Traveler Report is the traveler's commitment to making dream trips happen—even when budgets are tight. According to Erin, only 9% of survey respondents said they'd give up on a dream trip due to cost. Instead, the majority would wait and save, seek more affordable options, or cut back in other areas of their spending. This aligns with a broader trend, post-pandemic revenge travel wasn't just a blip; it's part of a sustained shift toward prioritizing experiences over material goods. Spending priorities have also evolved, travelers would rather cut back on dining out or shopping if it means affording a meaningful trip. Data shows year-over-year growth in travel spending for several consecutive years. The desire for shared memories and adventure continues to outweigh the allure of consumer goods. Value and Personalization Define the Modern Experience Price isn't always the most important thing when it comes to travel, value now encompasses the entire experience—meeting expectations, comfort, relaxation, wellness, and safety. Travelers increasingly splurge on nicer hotels or premium flight experiences if they perceive real value in the investment. Over half of travelers expect brands to anticipate their needs based on past interactions, and a similar proportion are willing to share more personal data to enable a smoother, more tailored journey. The challenge (and opportunity) lies in connecting the dots by using the right data to surface relevant recommendations, like family-friendly activities, sustainable options, or dietary preferences, rather than missing the mark with generic suggestions. Resources: Website: https://www.iseatz.com/ LinkedIn Personal: https://www.linkedin.com/in/erinrosegroh/ LinkedIn Business: https://www.linkedin.com/company/iseatz/ Unpacking the Complexities of the Modern Traveler: Key Insights From Our 2025 Report: https://www.iseatz.com/blog/the-modern-traveler-2025 We value your thoughts and feedback and would love to hear from you. Leave us a review on your favorite streaming platform to let us know what you want to hear more o​f. Here is a quick tutorial on how to leave us a rating and review on iTunes!

Hart, Fitzy and Ted hear from fans on the Red Sox, all of whom share their opinions on the team's offseason moves and plans in 2025.

The Big Show + with Shan Virjee and Connor Gronsdahl is on demand! To start the hour Shan and Connor discuss Hunter Brzustewicz being called up to the Calgary Flames and how they expect him to perform. Then the guys get into a wider discussion on the Flames prospect pool as a whole and which members of the AHL's Wranglers could find their way with the big club sooner rather than later.(22:04) Later on Connor goes on a rant about the NHL's Department of Player Safety, regarding their suspension of Leafs forward Bobby McMann. and to close the hour the guys discuss MLB's Free Agency and how the Dodgers are big spenders once again.The views and opinions expressed in this podcast are those of the hosts and guests and do not necessarily reflect the position of Rogers Media Inc. or any affiliate. Get full Flames games and great shows like Quick 60: The Stamps Show, Wranglers Watch and more ON DEMAND.

Tune in here to this Wednesday's edition of the Brett Winterble Show! Brett kicks off the program by talking about the $3.4 million proposal to persuade people to ride the Charlotte light rail and his frustration with what he sees as misguided priorities from local leaders. He argues that instead of spending millions on marketing campaigns, the city should invest in safety—specifically by putting more police officers on the trains. Throughout the segment, Brett highlights the recent tragedy on the light rail and criticizes officials for failing to address rising crime. Later Brett shifts the conversation toward a broader debate about safety versus affordability, asking listeners which one truly drives their decisions about where to live, work, and raise a family. He argues that safety is the foundational concern, emphasizing that if people don’t feel secure—whether on public transit, in their neighborhoods, at schools, or while shopping—nothing else matters. Affordability, he says, is more fluid and negotiable, while safety is absolute: you either have it or you don’t. Listen here for all of this and more on The Brett Winterble Show! For more from Brett Winterble check out his YouTube channel. 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 3836: Leo Babauta invites us to rethink the chaos of the holiday season with five powerful questions that uncover what truly matters. By examining our attachments, limits, and priorities, we can trade stress and overcommitment for clarity, calm, and deeper connection. Read along with the original article(s) here: https://zenhabits.net/simple-holidays Quotes to ponder: "What are you striving for right now? You can tell what it is by what's stressing you out, what's been occupying your mind, what fills your life with things to do." "What if you only limited your plate to five things? You'd have more space, more focus, more enjoyment." "Spending time with friends and loved ones is the best way to use your holiday time." Learn more about your ad choices. Visit megaphone.fm/adchoices

Building a $2.5 million portfolio is hard. Spending it without running out? That's even harder. Welcome to the 700th episode of the BiggerPockets Money Podcast! To mark this milestone, hosts Mindy Jensen and Scott Trench are tackling one of the most critical—and most overlooked—aspects of financial independence: decumulation. Most people obsess over building wealth but stumble when it's time to actually spend it. The withdrawal strategy you choose can mean the difference between a comfortable 40-year retirement and running out of money at the worst possible time. In this episode, we cover: Sequential vs. blended vs. cyclical withdrawal strategies—which is right for you? How to create a tax-efficient drawdown plan that could save you hundreds of thousands The role of Roth accounts, traditional IRAs, and taxable brokerage accounts in your withdrawal strategy When to do Roth conversions and how to time them for maximum benefit Healthcare planning in early retirement and how it affects your withdrawal strategy Estate planning considerations and maximizing what you leave behind Real-world scenarios: what withdrawal strategies look like in practice The biggest mistakes retirees make in the decumulation phase Whether you're just starting your FI journey or you're ready to retire next year, this comprehensive guide will help you spend your money strategically, minimize taxes, and make your nest egg last. Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3381: Amanda Brownlow challenges the traditional mindset of extreme frugality by showing how intentional spending can lead to long-term savings. From prioritizing health and quality items to investing in insurance and expert financial advice, she explains why spending a little more now can prevent costly mistakes and replacements later. Read along with the original article(s) here: https://hellobrownlow.com/2020/10/14/spend-money-to-save-money/ Quotes to ponder: "Spending money on a gym membership (that you actually use), home gym equipment, whole food items, supplements, and more can help keep you healthy." "Staying healthy not only makes you feel good, but you save money in the long term, too." "You may need to save up money to purchase what you really want, but that higher quality item will pay for itself over time because you won't have to buy it again." Learn more about your ad choices. Visit megaphone.fm/adchoices

Money can be tricky. It can feel like it's there when it's not, or feel gone when you actually have enough. That confusion can push us into two extremes: depriving ourselves or overspending. Jen and Jill are here to cut through the chaos with the real fix by aligning your budget with your values so your money finally makes sense.

President Donald Trump has graded his economic performance in a new interview. Trump has also addressed the deadly double-tap strike on an alleged drug trafficking boat in the Caribbean. The Supreme Court is hearing a GOP-led effort to lift campaign spending caps. Trump has some scathing words for the US' European allies. Plus, a country has banned children under 16 from using social media. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Are the Yankees being cheap? Does Brian Cashman have a big move up his sleeve? Learn more about your ad choices. Visit podcastchoices.com/adchoices

Steve Gruber discusses news and headlines 

There has been a lot of research on the impact of levels of public expenditures on a variety of social outcomes, including health and economic mobility. But beyond the dollars spent, some researchers say that we should also be considering what level of government oversees that spending. For this episode, Dr. Rourke O'Brien joins us to discuss his recent work on measuring fiscal centralization, and its tangible effects on people's lives. Rourke O'Brien is Associate Professor of Sociology & and of Public Health & Health Policy at Yale University and previously served as a Senior Policy Advisor at the U.S. Department of the Treasury. He is also an IRP Affiliate.

You started your business for freedom, but now you're working more than ever. You're stuck in the weeds, and the idea of handing tasks to someone else feels like letting them borrow your own child. Sound familiar? In this episode, Kevin from the Pro Sulum team unpacks the brutal psychology behind why delegation feels impossible—and exposes the three big lies keeping you trapped in your business instead of working ON it. If you're dealing with burnout, working 60+ hour weeks, or convinced that "no one can do it like you can," this episode will challenge everything you think you know about delegation. This isn't your typical "just hire a VA" advice. This is about understanding the psychological barriers, dismantling the lies, and building systems that actually set you free.

Join us as Rishi, a remarkable 15-year-old personal finance enthusiast, shares his journey and insights on financial literacy for the next generation. Rishi discusses key strategies for teaching kids about personal finance, including practical experience, understanding needs versus wants, and early investing through index funds. His insights aim to empower both parents and teenagers to engage in meaningful conversations about money, fostering a pathway to financial independence. Key Topics Discussed Rishi's early interest in finance and investments [02:27] Strategies for teaching kids about personal finance [11:56] The importance of balancing saving and spending [30:15] Benefits of early investing and compound growth [25:42] Insights on college planning and potential alternatives [39:40] The concept of financial independence and its relevance to youth [46:44] Timestamps 00:01:21 - Introduction to Rishi 00:02:27 - Rishi's Financial Journey 00:05:20 - Creating Engaging Financial Content 00:08:40 - Learning Sources for Personal Finance 00:11:56 - The Role of Parents in Financial Education 00:19:09 - The Importance of Financial Choices 00:25:42 - Investing Early 00:30:56 - Balancing Saving and Spending 00:39:40 - College and Financial Planning 00:46:44 - Understanding Financial Independence 00:56:11 - Final Thoughts Key Insights Personal Finance Foundations: Rishi began his finance journey at age 6, influenced by his parents and their reading habits. Early exposure is crucial for understanding financial concepts. Practical Experience: The best lessons come from real-life scenarios. Rishi emphasizes managing an allowance, recognizing needs vs. wants, and making choices about spending and saving to foster financial literacy. Invest Early: Rishi highlights the importance of starting investments young to take advantage of compounding returns. The earlier you begin investing, the greater your potential savings by retirement. Balancing Income and Expenses: Finding a balance between spending on experiences and saving for the future is key to financial well-being. Understanding your values helps prioritize budget decisions. Evolving Education on College: Attitudes toward college are changing, with greater emphasis on exploring multiple educational paths, including trade schools and the importance of financial planning for college expenses. Actionable Takeaways Start teaching your kids about finance early by involving them in budgeting discussions. [11:56] Encourage teenagers to open a Roth IRA for long-term investing benefits. [38:07] Educate children about the differences between needs and wants to foster mindful spending. [51:18] Key Quotes "Start investing early to maximize your retirement savings." [00:17:48] "True wealth comes from contentment, not accumulation." [00:31:29] "Don't wait to invest; start now with whatever you have." [00:57:07] Related Resources Easy Peasy Finance Easy Peasy Finance YouTube Channel

MUSICThe three surviving founding members of KISS -- Gene Simmons, Paul Stanley and Peter Criss -- paid a visit to The White House on Saturday where President Trump recognized them as one of this year's five recipients of the Kennedy Center Honors, which is presented to those in the performing arts for their lifetime of contributions to American culture. Guitarist Ace Frehley, who died in October following a fall at his New Jersey home, was represented by his daughter Monique. https://youtu.be/MoEAlhUTVnEFollowing the ceremony in the Oval Office, the State Department hosted a dinner for the honorees, which also included actors Sylvester Stallone and Michael Crawford, country singer George Strait, and R&B singer Gloria Gaynor. Taking the podium there, the President spoke in more detail about each recipient.With a chair left empty in memory of Ace Frehley, KISS were honored by Garth Brooks, who, upon taking the stage said, “I see some faces of confusion. No we are in the right segment of the show, people” before performing "Shout it Out Loud."Also paying tribute were Criss Angel, Marcus King, and Cheap Trick who ended the show with "Rock and Roll All Nite."Highlights of the show will air on CBS and Paramount+ on December 23rd. Garbage was performing in Australia recently, and apparently someone started tossing a beach ball around. Shirley stopped the show to RANT about the beach balls . . . sarcastically shouting, "Guy with your big [effing] beach ball. Ooh, I'm so scared of you. So thrilled by you. What [an effing D-bag]." https://consequence.net/2025/12/garbage-shirley-manson-beach-ball-video/ TVMiley Cyrus gagged while describing this fear on "Jimmy Kimmel Live!" on Thursday night. It's caused such a problem in her daily life, that she's even known for being a Grinch during Christmastime because of her issue with wrapping paper. She has an issue with how it feels, and the way it sounds, especially if it's touched by DRY hands, which is common during winter. Jack Osbourne and his wife, Aree Gearhart, are expecting their second baby together. https://people.com/jack-osbourne-expecting-baby-no-5-his-second-with-wife-aree-gearhart-photo-11862457 MOVING ON INTO MOVIE NEWS:Five Nights at Freddy's 2 is the new number one movie in North America. https://variety.com/2025/film/news/box-office-five-nights-at-freddys-2-debut-zootopia-2-900-million-1236602529/ AND FINALLYJane Seymour isn't a doctor . . . but she played one on TV . . . and she's sharing the secret to feeling decades younger.Jane is 74 now. But she actually needs to keep looking at her birth certificate to believe it. https://people.com/jane-seymour-says-she-feels-20-to-30-years-younger-at-74-exclusive-11862954Dr. Quinn shared THREE of her secrets, and there's good news: It isn't out-of-touch, celebrity stuff . . . it's so relatable that YOU can live it. Here they are:1. Non-stop working and challenging yourself. Quote, "I work 12-, 14-hour days on sets and keep up with everyone. I don't need cue cards . . . I learn pages after pages and I have a lot of energy . . . "I keep working, and I keep pushing myself to be better . . . because I love what I do . . . it keeps me young." 2. Spending time with family, and having active friends. Quote, "I have grandchildren and my own children, some of whom are in their early 40s. I'm part of their social circle. So I've never been sort of put in the group of, 'Oh, now you're an older person . . .' Not at all. Quite the opposite." 3. Don't dismiss new things, embrace them, and join in. Jane says she's "much more open-minded" about life now, and is "not stuck in my ways." She adds, "People say, 'Are you going to wind down?' I go, 'I am winding UP' I am loving life. NOW is it . . . I only want to do things that I'm passionate about . . . and I make sure that, even if it's work, that I turn it into a fun life experience." AND THAT IS YOUR CRAP ON CELEBRITIES!See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

The presence of God is an amazing thing. To think that God is with us is incredible. God is omnipresent. He is always with us. In fact, He promised to never leave us or forsake us. But if that is true, why don't we experience more peace? The answer is that we are not always aware of God's presence.Main Points:1. J. Oswald Sanders - “Peace is not the absence of trouble, but the presence of God.”2. Most often, we are more aware of our fears, anxieties, problems, and struggles. These present difficulties occupy our thoughts and emotions. We can let them take over. But when we are consumed with fear, worry, and anxiety, we are less consumed with thoughts about God. So, the issue is not about God's location. The issue is with our awareness of His presence.3. So, let me ask you: How aware are you today of God's presence? Are your thoughts focused on the Lord? Have you spent time with him today? Have you read His Word and allowed it to speak to your soul? Have you made time to worship and pray? Spending time with God is the most important thing you will do today. Today's Scripture Verses:Philippians 4:6-7 - Do not be anxious about anything, but in every situation, by prayer and petition, with thanksgiving, present your requests to God. And the peace of God, which transcends all understanding, will guard your hearts and your minds in Christ Jesus.Quick Links:Donate to support this podcastLeave a review on Apple PodcastsGet a copy of The 5 Minute Discipleship JournalConnect on SocialJoin The 5 Minute Discipleship Facebook Group

In this episode, I share with you eight proven, no-cost strategies to grow your audience - without spending money on ads. I believe that with consistency and creativity, you don't need a big budget to build reach. I walk you through actionable tactics: from podcast guesting and public speaking, to creative lead magnets and AI-optimized content. If you're looking for ways to grow your following organically, this episode is for you. Key Takeaways 1. Organic growth - without ads - is about long-term consistency, not quick wins. The strategies I share (guesting, speaking, collaborations, lead magnets, AI-optimized content) don't deliver instant overnight growth — but they build sustainable exposure, trust, and engagement over time. Because they leverage existing audiences and evergreen content, they can continue attracting new people long after the work is done. 2. Collaboration beats isolation: tapping into other people's platforms can grow your reach faster. By guesting on podcasts, speaking at events, joining bundles or summits, or collaborating with communities and peers, you get access to listeners/followers who already trust the host or community — which means you don't have to start building your audience from zero. It's a faster, more efficient way to grow an engaged audience than relying solely on your own channels. 3. Lead magnets and interactive content (quizzes, DMs, AI-optimized offers) turn passive interest into real connection - which builds deeper relationships and higher conversion potential. Instead of hoping people stumble on you, these tools invite people to take action — subscribe, engage, respond. That deepens their commitment and gives you a direct path to nurture them, rather than passively waiting. LINKS TO RESOURCES MENTIONED IN TODAY'S EPISODE Connect with Teresa on Website, (Grow, Launch, Sell), Sign up to Teresa's email list,  Instagram, LinkedIn, or Facebook, Subscribe to my Youtube, teresaheathwareing.com/quiz, http://teresaheathwareing.com/scoreapp Transcript Growing an audience is one of the most important things that you can do for your online business. And if like me, you're a little bit sick of social media and feel like you are posting into a void every single day, then you are going to want to stick around for this episode. As I explained to you the eight proven ways to grow your audience without paying any money on ads. If we've not met, my name is Theresa Heath Waring and I help course creators,...