Podcasts about spending

In this episode of Nine Finger Chronicles, Dan Johnson reflects on his 30 years of deer hunting experience, sharing valuable insights on observation, access routes, and the importance of spending time in the woods. He discusses strategies for beating a deer's nose, the significance of checking the boxes for successful hunting, and understanding thermals. Dan emphasizes the need to shoot more deer for experience and the importance of cherishing the hunting experience while passing on the hunting heritage to future generations. Takeaways Dan Johnson reflects on 30 years of deer hunting experience. Observation is crucial for understanding deer behavior. Access routes can be strategically planned to beat a deer's nose. Spending more time in the woods leads to greater knowledge. Checking multiple boxes increases the chances of a successful hunt. Understanding thermals is essential for scent control. Hunting pressure can affect deer movement and behavior. Shooting more deer helps build confidence and skill. Cherishing the hunting experience is vital for enjoyment. Passing on the hunting heritage is important for future generations. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of Nine Finger Chronicles, Dan Johnson reflects on his 30 years of deer hunting experience, sharing valuable insights on observation, access routes, and the importance of spending time in the woods. He discusses strategies for beating a deer's nose, the significance of checking the boxes for successful hunting, and understanding thermals. Dan emphasizes the need to shoot more deer for experience and the importance of cherishing the hunting experience while passing on the hunting heritage to future generations. Takeaways Dan Johnson reflects on 30 years of deer hunting experience. Observation is crucial for understanding deer behavior. Access routes can be strategically planned to beat a deer's nose. Spending more time in the woods leads to greater knowledge. Checking multiple boxes increases the chances of a successful hunt. Understanding thermals is essential for scent control. Hunting pressure can affect deer movement and behavior. Shooting more deer helps build confidence and skill. Cherishing the hunting experience is vital for enjoyment. Passing on the hunting heritage is important for future generations. Learn more about your ad choices. Visit megaphone.fm/adchoices

LANCASTER COUNTY: AMISH SPENDING AND DATA CENTER GROWTH Colleague Jim McTague, Author and Former Barron's Editor. Jim McTague reports that the Lancaster County economy remains robust, evidenced by heavy Amish spending at Costco and thriving local businesses like Kegel's Produce. Despite some local protests, data centers are being built on old industrial sites. McTague sees no need for Fed rate cuts given the stable local economy. NUMBER 71941 LANCASTER

Ready? Buy Our Simplified Budget System Now!Enjoy Day 4 of our Money Makeover Bootcamp!Watch this episode here.Connect With Us:1️⃣ Facebook Group – Join the community. Our free group is where the real talk happens. Connect with other women who are learning how to budget, save, and finally feel in control, together. ➡︎ budgetbesties.com/facebook2️⃣ Automate Your Budget Masterclass – Watch it now, no waiting. This FREE on-demand training shows you how to set up a budget that matches your lifestyle, without tracking every dollar or feeling restricted. ➡︎ budgetbesties.com/automate3️⃣ Budget – Grab our Simplified Budget System! You don't need another budget, you need a system that does the math, makes the plan, and gives you permission to spend. ➡︎ budgetbesties.com/budget4️⃣ Private 1-on-1 Coaching – Get a plan and a coach. We'll build your full budget system together, so you always know what to do and feel confident doing it. ➡︎ budgetbesties.com/coaching5️⃣ Be on the Podcast – Free coaching, real convo. Come chat with us on the show! Get real-time financial coaching and help other women by sharing your story. ➡︎ budgetbesties.com/livecall"I love Shana & Vanessa and this podcast is amazing!"

Episode Summary: Emotional Exhaustion and holiday burnout are very real experiences. Today we’re going to be talking about the post-holiday aftermath that many of us feel for a myriad of reasons. We are going to cover expectations—unmet and unspoken; the subsequent disappointment which follows and the straight up exhaustion of making Christmas happen for our loved ones. If we don’t pause for a moment following the holidays, we rush headlong into the long winter months with unresolved sadness, which impacts our mental and emotional well-being, making those January blues stronger. Our goal today is to equip you with space to process what happened or didn’t happen, reminders that you are not alone, and practical hope-filled tools to apply to the post-holiday aftermath you may be experiencing. Quotables from the episode: The living room is scattered with wrapping paper, ornaments are askew on the tree, and a fine layer of dust covers everything. Family has wandered off to pursue individual pursuits and you’re sitting alone. You did it. You curated gifts based on personal interests and desires. You planned special meals and made the once-a-year Christmas treats. But now the exhaustion sets in. You wonder if your family appreciates your effort, and you question whether it’s worth it. Crawling into bed and skipping the big family get together later that day sounds great. Instead, you pull yourself up and put another foot in front of the other. “Do the next thing,” you whisper, but wonder if you actually can. Today we are talking about How to Heal from Emotional Burnout and Holiday Exhaustion. Emotional burnout and holiday exhaustion is a real experience that many of us deal with. It can start as early as October or November and lingers into January. I love the reminders in Psalm 46 to be still, but it can be so hard to do. But when I keep reading, I see that knowing God and bringing him glory helps me frame being still inside the comforting knowledge that God is with me through it all. It’s the “all” that trips us up during the holidays. How do we determine how much or how little to do? How do we manage our expectations within the framework of stillness wrapped in God’s presence? One of the contributing factors in emotional exhaustion and holiday burnout comes from a motive to serve others and to create a special experience for them. It’s a good and noble desire to do this. The gift of hospitality, even to our own families, is a special way to show them God’s love. That’s where my desire comes from: I want to show my family love by doing for them. But when we neglect the best thing, we find ourselves running through the holidays in our own strength, which creates emotional burnout and holiday exhaustion. I love the sisters, Mary and Martha, found in Luke 10:38-42. These two women show us how to both serve and be still. I’ve never liked how Martha is shown as wrong and Mary as right. If we take the time to read what Jesus said, we learn there is a good way and a better way. Martha had good motives in serving Jesus and the other guests. In the context of healing from holiday exhaustion and emotional burnout, the desire to create a beautiful holiday experience is a good desire. Martha’s mistake was her unspoken expectation that her sister should be helping her create this amazing experience for the Lord. However, Mary spent her time listening at the feet of Jesus. While it looked like she was doing nothing, she shows us how being still is an active response. Spending time with Jesus is a better desire. It changes us from the inside out. Let’s explore how to hold both the good and the better in the same space and time. I’ve always had mixed feelings when it comes to the account of Mary and Martha. I want to be a Mary, but I definitely relate to Martha’s personally as a get-it-done kind of person. I can’t tell you how often I hear “I don’t know how you do all you do!” And in transparency, for many years, I wore that as a badge of honor, until doing became my downfall. One thing that has always stood out to me in the account of these two sisters is when Scripture says But Martha was distracted by all the preparations that had to be made. It’s not that what Martha was doing was bad…it just wasn’t the best thing. It’s so easy to set aside our private, personal time with Jesus during the crazy, busy holiday season, and embarrassingly, I have succumbed to that at times. But what you’re saying is that healing from emotional burnout and holiday exhaustion starts with being still with Jesus. It’s within the stillness with Jesus where we can be refreshed and guided for our next thing. We can ask the Holy Spirit to show us where we may have expectations that could lead to disappointment. I must continually remind myself that life is not a movie script, with perfectly plotted responses. There is no call for “Cut!” or “Go again.” Our family members deal with their own internal angsts, expectations, and disappointments, which clash with ours. If we start the day with Jesus and invite him into every part of our day, we can hold the good with the better and reveal both a Martha and a Mary side to our families and ourselves. Unmet expectations (of others and ourselves) can contribute to emotional exhaustion and holiday burnout. The best predictor of future behavior is past behavior, so we have to be intentional when we want to change course. Addressing expectations by making time with Jesus a priority during the holiday season is vital, but let’s turn our attention to some practical steps. One step we can do post-holiday is to ask our families what traditions or activities are important to them. We may be doing all the things, but maybe we don’t need too. Taking the time to talk about expectations, and adjusting them going forward both helps to heal, and create self-guards going forward. A second aspect that crucial for our healing from emotional exhaustion and holiday burnout is to Create space in your life to rest and recover. There’s no universal required day to take down the decorations and return the gift bags to their storage space. Lay on the couch post-Christmas and New Years. Turn off the lamps and turn on the Christmas lights. Take time to rejoice in Jesus coming to earth for you. Contemplate God with us. Be still and know he is God. Depending on how depleted, fatigued, or burned out you may feel, I would add to that to create a “recovery zone”. Pick a short window every day, even if only 10-20 minutes, where you intentionally do nothing that requires output. Instead, sit with a cozy drink, listen to calm music, step outside for a breath of fresh air. This sends your nervous system the message: “I am safe. I can rest.” The fourth suggestion we have for how to heal from emotional exhaustion and holiday burnout is where we can learn from Mary. I’d suggest a brief post-holiday evaluation can be very helpful by answering two questions. First, What wore you out? Second, What gave you life? Taking the time for a post-holiday evaluation helps heal from emotional burnout and holiday exhaustion because self-reflection helps our brain release what is internally keeping our mind in a state of stress, and is a way to prepare and protect your mental and emotional strength for the next year. This is where we realize where we may have lost sight of “God with us.” It’s easy to keep saying yes and to add more. Some years we have the capacity for a lot and other years we need to scale back. Three of my kids have birthdays in November, January, and February. Reserving energy for their births changed how I did Christmas, from the décor to the gifts to the food. And I discovered an important truth—it’s not so much what we do that makes Christmas special but the who. Who we are with and who we focus on. A fifth tip, which is really important, is to Replenish What Was Depleted. To do this, I would add a third question to the self-evaluation, and that is to ask yourself What did the holidays season drain the most? If it was sleep, commit to earlier nights for a week or two. If it was social energy, block out quiet evenings. If it was finances, enact a low-spend month or two. If it was emotions, journal what you carried and release it to God. We know that the level of emotional exhaustion or holiday burnout is different for everyone, and some years are worse than others, but with a shift in our perspective, a bit of self-reflection, communicating with our family, creating space to rest and recover, and intentionally replenishing what was depleted, we can experience healing from emotional burnout and holiday exhaustion. Scripture References: Psalm 46:11-12 “He says, “Be still, and know that I am God; I will be exalted among the nations, I will be exalted in the earth. The Lord Almighty is with us; the God of Jacob is our fortress.” Luke 10:38-42 “As Jesus and his disciples were on their way, he came to a village where a woman named Martha opened her home to him. She had a sister called Mary, who sat at the Lord’s feet listening to what he said. But Martha was distracted by all the preparations that had to be made. She came to him and asked, “Lord, don’t you care that my sister has left me to do the work by myself? Tell her to help me!”41 “Martha, Martha,” the Lord answered, “you are worried and upset about many things, 42 but few things are needed—or indeed only one. Mary has chosen what is better, and it will not be taken away from her.” Recommended Resources: Reframing Rejection: How Looking Through a Different Lens Changes Everything By Jessica Van Roekel Sacred Scars: Resting in God’s Promise That Your Past Is Not Wasted by Dr. Michelle Bengtson The Hem of His Garment: Reaching Out To God When Pain Overwhelms by Dr. Michelle Bengtson, winner AWSA 2024 Golden Scroll Christian Living Book of the Year and the 2024 Christian Literary Awards Reader’s Choice Award in the Christian Living and Non-Fiction categories YouVersion 5-Day Devotional Reaching Out To God When Pain Overwhelms Today is Going to be a Good Day: 90 Promises from God to Start Your Day Off Right by Dr. Michelle Bengtson, AWSA Member of the Year, winner of the AWSA 2023 Inspirational Gift Book of the Year Award, the 2024 Christian Literary Awards Reader’s Choice Award in the Devotional category, the 2023 Christian Literary Awards Reader’s Choice Award in four categories, and the Christian Literary Awards Henri Award for Devotionals YouVersion Devotional, Today is Going to be a Good Day version 1 YouVersion Devotional, Today is Going to be a Good Day version 2 Revive & Thrive Women’s Online Conference Revive & Thrive Summit 2 Trusting God through Cancer Summit 1 Trusting God through Cancer Summit 2 Breaking Anxiety’s Grip: How to Reclaim the Peace God Promises by Dr. Michelle Bengtson, winner of the AWSA 2020 Best Christian Living Book First Place, the first place winner for the Best Christian Living Book, the 2020 Carolina Christian Writer’s Conference Contest winner for nonfiction, and winner of the 2021 Christian Literary Award’s Reader’s Choice Award in all four categories for which it was nominated (Non-Fiction Victorious Living, Christian Living Day By Day, Inspirational Breaking Free and Testimonial Justified by Grace categories.) YouVersion Bible Reading Plan for Breaking Anxiety’s Grip Breaking Anxiety’s Grip Free Study Guide Free PDF Resource: How to Fight Fearful/Anxious Thoughts and Win Hope Prevails: Insights from a Doctor’s Personal Journey Through Depression by Dr. Michelle Bengtson, winner of the Christian Literary Award Henri and Reader’s Choice Award Hope Prevails Bible Study by Dr. Michelle Bengtson, winner of the Christian Literary Award Reader’s Choice Award Free Webinar: Help for When You’re Feeling Blue Social Media Links for Host and Guest: Connect with Jessica Van Roekel: Website / Instagram / Facebook For more hope, stay connected with Dr. Bengtson at: Order Book Sacred Scars / Order Book The Hem of His Garment / Order Book Today is Going to be a Good Day / Order Book Breaking Anxiety’s Grip / Order Book Hope Prevails / Website / Blog / Facebook / Twitter (@DrMBengtson) / LinkedIn / Instagram / Pinterest / YouTube / Podcast on Apple Co-Host: Jessica Van Roekel is a worship leader, speaker, and writer who believes that through Jesus, personal histories don’t need to define the present or determine the future. She inspires, encourages, and equips others to look at life through the lenses of hope, trust, and God’s transforming grace. Jessica lives in rural Iowa surrounded by wide open spaces which remind her of God’s expansive love. She loves fun earrings, good coffee, and connecting with others. Hosted By: Dr. Michelle Bengtson Audio Technical Support: Bryce Bengtson Discover more Christian podcasts at lifeaudio.com and inquire about advertising opportunities at lifeaudio.com/contact-us.

The fastest way to kill momentum in business is scaling before you are ready. We learned that the hard way. For a long time, we thought growth meant doing more. Hiring faster. Adding systems. Spending money to buy speed. What we didn't realize was that piling more on top of a shaky foundation doesn't create momentum. It quietly bleeds it. This episode is a candid look back at what the past year actually taught us. Not the highlight reel, but the moments where things felt like they were moving forward until the numbers told a different story. We talk about where we scaled too early, the investments that didn't pay off, and how chasing growth almost cost us focus, profit, and clarity. We also break down what changed everything. Slowing down. Cutting complexity. Doubling down on what was already working instead of chasing the next shiny tactic. The real unlock wasn't more effort. It was better decisions. You'll hear how we're thinking about money, time, and energy heading into 2026, the filters we're using before making new investments, and how simplifying the business has created more leverage than any new system ever did. If you're building a business, investing in real estate, or trying to scale anything while juggling real life, this episode will help you spot where momentum leaks actually come from and how to fix them before they get expensive. Book your call with Neo Home Loanshttps://www.neoentrepreneurhomeloans.com/wealthjuice/ Book your mentorship discovery call with Cory RESOURCES

Six months ago (literally the week Sophia gave birth), she and her husband, Bradley, a Peloton instructor with a built-in community, launched a podcast that got thousands of downloads immediately. No warming up. No convincing. People just showed up. It was such a stark contrast to launching Marketing Unfiltered years earlier without an audience, and it crystallized something Sophia sees coaches mess up constantly: they spend a year perfecting their program while completely forgetting to grow their community. Then they launch a webinar and ask, "who am I promoting this to?" and realize... there's no one there. This episode is Sophia's wake-up call that audience growth can't be an afterthought anymore, it needs seasons, strategy, and to happen alongside (or before) building your offers. Because if you want to be a big deal in 2026, you can't wait until your program is perfect to start growing your audience.Here's What We Cover:The biggest mistake coaches make with audience growth: Spending a year perfecting the program while forgetting to consistently grow the communityThe order that actually works: Build the audience and relationship BEFORE or WHILE you build the thing (not after it's "perfect")The difference between passive exposure and real growth: Why podcast guesting and lead magnets are great for consistency but not how you grow BIGThe three best ways to own your growth: Summits, Private Podcasts, and Bundles: When each strategy works best and which one matches your sales approach…and other proven growth principles most coaches overlook.Resources Mentioned:Submit Your Question —

On Jesse's 12th "Ask Me Anything" episode, he opens the year by tackling the questions that tend to surface when calendars turn and retirement feels closer than ever. He begins with a thoughtful exploration of whether "this is the year to retire," unpacking how sequence-of-returns risk, market valuations, spending accuracy, and portfolio construction matter far more than trying to guess the next market move, and why building flexibility—not perfect timing—is the real defense against early-retirement risk. From there, Jesse shifts to a practical and surprisingly nuanced discussion on getting kids and grandkids started in investing, weighing Roth IRAs, custodial accounts, and taxable strategies while emphasizing the twin lessons of earned money and compounding—and how to balance long-term discipline with making investing engaging and educational. He then addresses how portfolios should evolve as investors age and as assets grow, explaining why the glide path toward retirement is as much about risk capacity, risk need, and behavioral fit as it is about age, and why excess capital fundamentally changes how—and why—you take risk. He closes with a comprehensive walk through the key ages and milestones that shape a financial plan, from early adulthood to Social Security, Medicare, and required minimum distributions, giving listeners a clear mental map of when critical doors open and close. Throughout, Jesse blends technical insight with behavioral clarity, helping listeners not just answer financial questions, but build a durable way of thinking about decisions that will compound for decades. Key Takeaways:• The decision to retire is less about predicting markets and more about understanding cash flow, spending flexibility, and downside protection in the early years. • Writing down the rationale behind major investment decisions helps reduce future regret and emotional reactions. • Many retirees underestimate their spending, which can create false confidence in retirement readiness. • Teaching kids about investing works best when it combines earned income, parental matching, and simple, long-term strategies. • Excess capital changes the nature of investment decisions, allowing greater freedom without jeopardizing core goals. • Knowing the key financial ages—Social Security, Medicare, Roth rules, and required minimum distributions—helps investors anticipate decisions rather than react under pressure. Links:https://bestinterest.blog/should-retirees-sell-stocks-move-to-cash/ https://bestinterest.blog/great-investors-little-secret/ https://bestinterest.blog/rmds-sequence-risk-retirement-destruction/ https://bestinterest.blog/e87/ Wade Pfau's SRR Chart: https://www.bogleheads.org/forum/viewtopic.php?t=461168 https://bestinterest.blog/when-not-to-rebalance/ Key Timestamps:(03:51) – Smart and Dumb Reasons to Move to Cash (16:46) – Sequence of Returns Risk (20:47) – Spending and Lifestyle in Early Retirement (23:30) – Getting Kids Involved in Investing (26:10) – Tax Implications and Control of UGMA Accounts (30:38) – Investment Strategies for Financial Independence (36:44) – Rebalancing in Retirement (43:57) – Important Ages and Events in Retirement Planning Key Topics Discussed:The Best Interest, Jesse Cramer, Wealth Management Rochester NY, Financial Planning for Families, Fiduciary Financial Advisor, Comprehensive Financial Planning, Retirement Planning Advice, Tax-Efficient Investing, Risk Management for Investors, Generational Wealth Transfer Planning, Financial Strategies for High Earners, Personal Finance for Entrepreneurs, Behavioral Finance Insights, Asset Allocation Strategies, Advanced Estate Planning Techniques More of The Best Interest:Check out the Best Interest Blog at https://bestinterest.blog/ Contact me at jesse@bestinterest.blog Consider working with me at https://bestinterest.blog/work/ The Best Interest Podcast is a personal podcast meant for education and entertainment. It should not be taken as financial advice, and is not prescriptive of your financial situation.

Spending decisions aren’t just financial—they reveal what (and whom) we value. Jonah’s Old Testament story isn’t only about a prophet running from God—it also gives us a surprising look at how our financial choices mirror the condition of our hearts. On the next Faith & Finance Live, Rob West and Dr. Kelly Rush unpack how our spending is inseparably connected to our walk with the Lord. Then, it’s onto your calls. That’s Faith and Finance Live . . . biblical wisdom for your financial decisions, weekdays at 4pm Eastern/3pm Central on Moody Radio. Faith & Finance Live is a listener supported program on Moody Radio. To join our team of supporters, click here.To support the ministry of FaithFi, click here.To learn more about Rob West, click here.To learn more about Faith & Finance Live, click here.See omnystudio.com/listener for privacy information.

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 3413: Chris unpacks the hidden psychology behind everyday spending and reveals how the “Frivolous Purchase Threshold” tricks us into justifying impulse buys. With practical, mindset-shifting tips, this piece empowers you to realign spending with your goals and escape the trap of low-cost, low-value clutter. Read along with the original article(s) here: https://www.keepthrifty.com/frivolous-purchase-threshold/ Quotes to ponder: "Rather than wasting your money on frivolous purchases, redefine your FPT to $0 and put your money where your heart is." "Whatever number you use in that statement, whether it's $10, $20, or $20, is your own, personal frivolous purchase threshold." "Putting small barriers in the way helps us leverage our laziness to prevent unnecessary purchases." Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, homesteader and content creator Tony Barlow of Barlow Roots Market doubles down on the importance of being mindful and intentional when spending.   Subscribe for more content on sustainable farming, market farming tips, and business insights!   Get market farming tools, seeds, and supplies at Modern Grower. Follow Modern Grower:  Instagram  Instagram Listen to other podcasts on the Modern Grower Podcast Network:  Carrot Cashflow  Farm Small Farm Smart  Farm Small Farm Smart Daily  The Growing Microgreens Podcast  The Urban Farmer Podcast  The Rookie Farmer Podcast  In Search of Soil Podcast Check out Diego's books:  Sell Everything You Grow on Amazon   Ready Farmer One on Amazon **** Modern Grower and Diego Footer participate in the Amazon Services LLC. Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to Amazon.com.

Ever wondered why "smart" people (high IQ, degrees, etc) often feel unfulfilled? In this episode, we unpack the real measure of intelligence: designing a life you actually want to live. From ditching traditional success metrics to embracing emotional intelligence, adaptive skills, and your "zone of genius," we explore how rethinking smarts can lead to more freedom, fulfillment, and a lifestyle that makes you happy.

Spending decisions aren't just financial—they reveal what, and whom, we value. That was the central insight Dr. Kelly Rush shared in today's conversation on Faith & Finance, where she unpacked the Old Testament story of Jonah through the lens of money and stewardship.Dr. Rush, Professor of Finance and Financial Planning at Mount Vernon Nazarene University, explained that Jonah's story isn't only about a prophet running from God. It's also a revealing case study in how financial choices often mirror the condition of the heart. Her core conviction is simple but challenging: every spending decision is a spiritual decision.According to Dr. Rush, money functions like a mirror. It reflects what we care about, what we trust, and what direction our hearts are moving. That principle, she noted, is woven throughout Scripture—and Jonah provides a surprisingly clear example.Many readers miss the fact that money appears twice in Jonah's short book. The first instance comes right at the beginning. When God calls Jonah to go to Nineveh, Jonah runs in the opposite direction. Scripture tells us that he paid the fare to board a ship to Tarshish. Dr. Rush noted that this is one of the few passages in the Bible where the cost of travel is explicitly mentioned. The detail matters. Jonah didn't just flee spiritually—he financed his rebellion. Running from God came at a financial cost.That decision didn't affect Jonah alone. When God sent a storm, the sailors were forced to throw their valuable cargo overboard to save their lives. Dr. Rush emphasized that poor stewardship rarely stays contained. Our financial and spiritual misalignment often impacts others—families, churches, workplaces, and communities. At the same time, she noted, faithful stewardship creates ripple effects of blessing.The story then turns. In Jonah chapter two, inside the fish, Jonah repents. He cries out to God and vows obedience. This time, Dr. Rush explained, Jonah's “payment” isn't money but repentance and follow-through. When Jonah's heart is realigned, his response changes as well. Repentance redirects both priorities and spending.Dr. Rush connected that pattern to modern life. Faithful follow-through today, she said, looks like honoring a budget, keeping commitments to generosity, giving as worship rather than obligation, and acting with honesty and integrity in saving, investing, and repaying debt. These practices aren't merely financial—they're spiritual expressions of trust and obedience.Budgets, Dr. Rush explained, tell a story. They put dollars and cents to what we prioritize and reveal whether we're seeking God's Kingdom or quietly running from Him. That can be uncomfortable—but it's also hopeful. Jonah's story is full of second chances. God didn't give up on Jonah, and financial mistakes don't disqualify us either.Dr. Rush closed with a practical starting point: begin with prayer, intentionally place generosity at the top of the budget, invite wise counsel, and remember that spending decisions are always spiritual decisions. Money tells a story—but by God's grace, it can be a story shaped for His glory.On Today's Program, Rob Answers Listener Questions:When I think of investing, I think of putting money into something that helps it grow. If I buy a stock that doesn't pay dividends, it can feel more like a speculative bet—just hoping the price goes up. Even if I'm a passive investor and don't benefit until I sell, does owning that stock actually help the company grow in a meaningful way, making it more of an actual investment rather than a bet?Resources Mentioned:Faithful Steward: FaithFi's 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.

The #chicagocubs have done very little this offseason.  Outside of a few bullpen moves, there has been no BIG move for the #cubs in the rotation or the lineup.  After #tatsuyaimai signed with the #houstonastros, enough is enough.  #kap and Gordon Wittenmyer discuss the frustration that comes with that for a fanbase after a season where they returned to the postseason, but came a game short of the #nlcs.  What now?  Is #kyletucker a possibility?  #codybellinger?  Do you want either?  The frustration mounts on this edition of the podcast.#takethatFollow The REKAP® everywhere - https://linktr.ee/rekaps REKAP® Merch - https://bit.ly/rekap-merch ___________________________UPCOMING LIVE EVENTS:Be sure to join us LIVE at

In this episode, I'm helping you kick off 2026 by reflecting on financial habits that pave the way for a successful retirement. As we set our goals for the year ahead, I share the four key traits I've observed in successful retirees, drawn from years of experience working with people from all walks of life. You'll hear practical advice on how to work hard and invest consistently, the importance of living within your means, and ways to avoid common investment pitfalls that can derail your progress. Whether you're just starting your retirement planning or fine-tuning your financial strategy, this episode is full of actionable tips to help you improve your financial life in 2026. If you're ready to take charge of your future and put a solid plan in place, this episode is a must-listen. You will want to hear this episode if you are interested in... 00:00 Retirement success traits revealed. 05:29 Budgeting for financial growth. 07:49 Invest simply and consistently. 10:36 Improve and grow net worth. 13:38 Keep an eye on your net worth. Four Habits of Highly Successful Retirees There's no magic bullet to achieving a comfortable retirement. Many successful retirees weren't born into wealth; in fact, about 80% of millionaires started with little and built their nest eggs from scratch. The through-line is diligence and perseverance. A powerful habit among this group is paying themselves first. Rather than saving what's left at the end of the month, successful retirees set aside a portion of their income before budgeting for other expenses. Many automate investments into employer-sponsored retirement accounts or other savings vehicles. This intentionality ensures that the priority remains on building wealth, not just sustaining a lifestyle. Budgeting plays an essential role here. I recommend reviewing your annual spending, categorizing transactions, and identifying excesses. Small changes can help you free up cash for investments and debt reduction. If you struggle with credit card overspending, consider switching to cash or debit cards, which make it easier to visualize your available funds and stay disciplined. There's also a growing temptation to "keep up with the Joneses," especially when social media showcases other people's amazing vacations! Appearances can be deceiving, you never know whether your neighbours are deeply in debt despite flashy photos. The key is to focus on your own financial journey, not someone else's highlight reel. Keep Your Investments Simple Despite the barrage of complex investment themes and "get rich quick" schemes circulating online, the most effective investors stick to the basics. Avoid speculative strategies like day trading, option contracts, and penny stocks for the bulk of your portfolio. These approaches can lead to significant losses, or even financial ruin. Successful retirees typically lean on a diversified, straightforward mix of investments: blue-chip stocks, index funds, bonds, and some real estate. A simple, repeatable investment plan not only reduces stress but also reduces the chance of costly errors. If an investment sounds complicated or "too good to be true," it likely isn't the right tool for you. Track Your Net Worth, Every Year A great habit to get into is consistently tracking your net worth. For example, every year, I  take inventory and value all of my assets, subtract any liabilities, and calculate my own net worth. This exercise isn't just about patting myself on the back, it's an important annual check-in on financial progress which helps me course-correct if I'm getting off track. If you discover stagnant or shrinking net worth, it's a signal to look at spending, debt, or investment choices. For those carrying high-interest debt (over 6–7%), prioritizing repayment can yield safer and higher "returns" than most investments. Even in retirement, monitoring net worth is vital. Spending down savings is natural, but keeping an eye on the pace ensures your money lasts as long as you need it to. Take Action Today Successful retirees don't wait for luck or windfalls, they put in the work, invest with discipline, stay clear of fads, and track their progress. Start by reviewing your own budget and net worth, and set realistic, meaningful goals for the year ahead. Your future self will thank you. Resources Mentioned Retirement Readiness Review Subscribe to the Retire with Ryan YouTube Channel Download my entire book for FREE Budget Worksheet Net Worth Spreadsheet Connect With Morrissey Wealth Management  www.MorrisseyWealthManagement.com/contact   Subscribe to Retire With Ryan

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 3413: Chris unpacks the hidden psychology behind everyday spending and reveals how the “Frivolous Purchase Threshold” tricks us into justifying impulse buys. With practical, mindset-shifting tips, this piece empowers you to realign spending with your goals and escape the trap of low-cost, low-value clutter. Read along with the original article(s) here: https://www.keepthrifty.com/frivolous-purchase-threshold/ Quotes to ponder: "Rather than wasting your money on frivolous purchases, redefine your FPT to $0 and put your money where your heart is." "Whatever number you use in that statement, whether it's $10, $20, or $20, is your own, personal frivolous purchase threshold." "Putting small barriers in the way helps us leverage our laziness to prevent unnecessary purchases." Learn more about your ad choices. Visit megaphone.fm/adchoices

We start the top of the hour with a Coca rant on the Ravens. He had some things to get off his chest. (8:30) Let's talk tanking. (16:20) The Toronto Blue Jays have full reloaded. Signing after signing after signing. After losing in the World Series they decided to go all in on free agents. (25:30) What are the Diamondbacks doing with Ketel Marte? He has been rumored to be moved all offseason. Now the GM says they may not move him, but might move him, but probably not, but could. (32:00) Let's discuss wha happened in Venezuela this weekend. (42:10) Where are the Nationals bringing their TV rights? Will it be MASN? Will it be MLB? (47:00) We end today with Gayle Benson. The owner of the Pelicans and Saints. A common talking point on this show. Learn more about your ad choices. Visit podcastchoices.com/adchoices

We start the top of the hour with a Coca rant on the Ravens. He had some things to get off his chest. (8:30) Let's talk tanking. (16:20) The Toronto Blue Jays have full reloaded. Signing after signing after signing. After losing in the World Series they decided to go all in on free agents. (25:30) What are the Diamondbacks doing with Ketel Marte? He has been rumored to be moved all offseason. Now the GM says they may not move him, but might move him, but probably not, but could. (32:00) Let's discuss wha happened in Venezuela this weekend. (42:10) Where are the Nationals bringing their TV rights? Will it be MASN? Will it be MLB? (47:00) We end today with Gayle Benson. The owner of the Pelicans and Saints. A common talking point on this show. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Spending 60+ hours a week on client work and wondering why your pipeline is empty? In this episode, I break down why being brilliant at delivery is actually keeping you stuck. You'll learn the four-step framework I use to help consultants escape the delivery trap and start tracking the metric that actually matters: growth hours. If you've built a job instead of a business, this episode shows you how to change that.Resources and LinksApply for a Multiplier CallPrevious episode: 657 - What's Your Resolution?Check out more episodes of the Paul Higgins PodcastSubscribe to our YouTube channel: @PaulHigginsMentoringJoin our newsletterSuggested resources

Will there be a congressional spending bill for Venezuela now? What about a general budget? And are we still spending more than we're taking in? These questions, answered by our Capitol Hill correspondent Ryan Schmelz, with Fox News Radio.

While data centers have taken investor focus over recent months, Zeno Mercer believes many are missing the next leg of markets in robotics. He sees companies that "separate the physical and digital world" while using the best of both will become the "next" Mag 7. As for fears of an AI bubble, Zeno believes they should be cast aside with spending projected to increase in 2026. ======== 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 – / schwabnetwork Follow us on Facebook – / schwabnetwork Follow us on LinkedIn - / schwab-network About Schwab Network - https://schwabnetwork.com/about

First show of the new year! We're officially retiring the Hot QB bets because Week 18 is a disaster of backup players, but we made enough cash to plan a victory dinner at Peter Luger's. We admit we might have been wrong about the NBA East (it's actually good?), while the West—and specifically the Lakers—may be a total flop. Naturally, this leads to another round of bashing Anthony Davis. Plus, Vince shares his "culinary" experience at Texas Roadhouse.

David Chilton, author of The Wealthy Barber and one of Canada's most influential voices on personal finance, joins Doug Hoyes on Debt Free in 30 for an extra special double–long episode. Doug and David dig into the issues Canadians are struggling with most: the true cost of inflation, a "K-shaped" economy, housing affordability, rising student debt, the growing gap between financial knowledge and financial discipline, and more.  Subscribe to Debt Free Digest Newsletter – Don't Miss The Chance To Win a Copy of The Wealthy Barber Buy the Wealthy Barber on Indigo Buy the Wealthy Barber Audiobook The Wealthy Barber – David Chilton's Web Page 00:00 – David Chilton on the updated Wealthy Barber book 02:27 – Why storytelling works for personal finance (and how he tested it) 06:52 – TFSA vs RRSP: how to decide in real life 15:21 – Financial literacy vs discipline in today's economy 18:29 – "K-shaped" Canada: who's thriving and who's squeezed 21:27 – First steps: debt payoff vs RRSP match priorities 22:54 – Spending summaries vs budgets: the method that actually changes behaviour 34:29 – Housing affordability, down payments, and parental help 38:06 – Gambling, meme stocks, crypto: a fast-growing driver of debt trouble 55:16 – Hope and next steps: learning money basics + building side income Need Help With Debt? If debt is keeping you up at night, you don't have to endure forever. Talking to a Licensed Insolvency Trustee isn't about filing sooner — it's about understanding your options and reducing stress. Learn more at:  https://www.hoyes.com Disclaimer: The information provided in the Debt Free in 30 Podcast is for entertainment and informational purposes only and is not intended as personal financial advice. Individual financial situations vary and may require personal guidance from a financial professional. The views expressed in this episode do not necessarily reflect the opinions of Hoyes, Michalos & Associates, or any other affiliated organizations. We do not endorse or guarantee the effectiveness of any specific financial institutions, strategies, or digital tools/apps discussed.

Clark kicks off the new year discussing how you can rethink your buying decisions moving forward.  And of course, Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks.  Rethink Buying Decisions: Segment 1 Ask Clark: Segment 2 Clark Stinks: Segments 3 &4 Mentioned on the show: NYT: Shoppers Turn to Discounts and Debt, but Not Just for Holidays Is Borrowing Money With Affordable Payments To Buy Nice Things Really So Bad? How to Save Money on Groceries: 22 Clever Ways How to Shop for Lower Car Insurance How Often Should You Re-Shop Insurance? Life Insurance Archives - Clark Howard How To Get the Best Price Possible Shopping Online Backdoor Roth IRA: How High Earners Can Still Contribute 5 Tips To Protect Your Digital Privacy Clark.com resources: Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Let's dig in for the New Year. Massive fraud in Minnesota, inflation, Trump's economic plan for 2026 and a wrap-up of how he handled his first year in this new term in office are the topics in today's Red Meat.

Spending a lot of time in the gym, but still don't look or feel the way you want? We break down why 3 total lifting sessions and 60 min of cardio per week, plus 10k steps a day is magic for changing your body.

It's time to reveal the Top 5 episodes of Talking Taiwan in 2025. What's notable about these 5 episodes is that they are among the most popular Talking Taiwan episodes of all time.   Related Links: https://talkingtaiwan.com/talking-taiwan-top-5-of-2025-award-winner-end-of-year-review-ep-338/   But before revealing the Top 5 episodes of 2025, let's take look back on 2025, which was a busy year for Talking Taiwan! We hosted the inaugural Talking Taiwan Fundraising Gala at the elegant Eichholtz showroom in New York City in April. It was truly a magical memorable night. In April we were also invited to speak at the North American Taiwanese American Women Association's (NATWA) Annual Conference.   For sometime we've been watching what was happening with the Great Recall in Taiwan which ultimately led to 24 legislators being put up for a recall vote on July 26th and another seven on August 23. The world had not seen anything like this happen on a national level in a democracy! And after Felicia interviewed a group of highly dedicated recall campaigners, she learned firsthand about the grassroots mobilization efforts that resulted in over one million signatures being collected in support of the recall vote, and she felt this was a historic moment that Talking Taiwan should be in Taiwan to cover.   Thanks to an anonymous donor who offered to pay for our flights back to Taiwan and others who made generous donations we were able to travel back to Taiwan for a week to cover the first recall in vote on July 26th. We left shortly after returning from the Taiwanese American Conference- West Coast (TAC-WC) which was held in the San Francisco Bay Area. It was the first time we were invited to speak at TAC-WC about our work. While we were at the conference, we also set up an on-location podcasting studio where we interviewed several of the conference's speakers. We look forward to releasing those episodes very soon in the New Year.   It's been an extremely eventful year for Talking Taiwan with many ups and downs. Spending only a week in Taiwan to cover the Recall Vote in July, and trying to conduct interviews, and edit and produce them in that time period proved to be a bit unrealistic and we'll need to pace ourselves better in the future.   It was also crushing to witness the results of the Recall Vote on July 26th with none of the 24 legislators successfully recalled from office. While still recovering from that ordeal in July, we traveled to T.O. Webfest awards in September where Talking Taiwan was nominated in the Best Ensemble Cast category. While we didn't win, it was our second nomination after being shortlisted at the International Women's Podcast Awards in 2024 and winning a Golden Crane Award in 2021.   As we go into the 13th year of Talking Taiwan, I'd like take a moment to especially thank everyone who has supported Talking Taiwan over the years and made a contribution to help fund our trip to return to Taiwan to cover the Great Recall in July.   We also want to thank each and every one of all of our amazing guests for being a part of the Talking Taiwan podcast.   Special thanks to our listeners. We remain committed more than ever to producing content that matters to people who care about Taiwan.   For links to the top 5 episodes of 2025 visit our website TalkingTaiwan.com. Wishing everyone a Happy Healthy New Year 2026! I'm your host Felicia Lin.   Related Links: https://talkingtaiwan.com/talking-taiwan-top-5-of-2025-award-winner-end-of-year-review-ep-338/

Let's dig in for the New Year. Massive fraud in Minnesota, inflation, Trump's economic plan for 2026 and a wrap-up of how he handled his first year in this new term in office are the topics in today's Red Meat.

Let's dig in for the New Year. Massive fraud in Minnesota, inflation, Trump's economic plan for 2026 and a wrap-up of how he handled his first year in this new term in office are the topics in today's Red Meat.

For upcoming comedy shows, live podcasts, and everything we're building in Miami, head to miamicomedy.comThis episode is a funny, honest look at how to keep your life together while living in Miami, a place designed to distract you. We break down why pulling up is expensive and staying home is compound interest, how boredom is secretly a flex, why rush hour kills productivity, and how discipline actually works for people who can see the matrix and still enjoy living in it. If you've been in Miami long enough to see it change, or you moved here and quickly realized self-improvement hits different in this city, this one will feel uncomfortably familiar in the best way.(00:00) Introduction and New Year's Resolutions in Miami(01:53) The Miami Exit Strategy(03:35) The Calendar Exit Strategy(05:27) The Pre-Exit Compliment(07:01) The Parking Commitment Test(08:13) Becoming a Morning Person(11:42) The Power of Do Not Disturb(13:35) Muting Social Media Temptations(15:26) The Power of Balance in Spending(19:05) Embracing Boredom to Save Money(20:51) Home Gym and Walking Pad Benefits(23:38) Experimenting with Sobriety(27:25) Live Show Information

Let's dig in for the New Year. Massive fraud in Minnesota, inflation, Trump's economic plan for 2026 and a wrap-up of how he handled his first year in this new term in office are the topics in today's Red Meat.

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

It's New Year's Day, Thursday, January 1st, A.D. 2026. This is The Worldview in 5 Minutes heard on 140 radio stations and at www.TheWorldview.com.  I'm Adam McManus. (Adam@TheWorldview.com) By Jonathan Clark Hindus guilty of 80 anti-Christian incidents on Christmas in India Hindu nationalists attacked Christians across India over the Christmas week. International Christian Concern reports over 80 incidents of violent attacks, hate speeches, and tensions during Christmas celebrations. In one case, a group of children in a Christmas carol procession were attacked, and their instruments were destroyed. Shashi Tharoor, a parliamentarian with the Indian National Congress, expressed “deep concern over the rising fear and anxiety among Christians in India. Sadly, there are attacks on Christians in different places of the country.”  India is ranked 11th on the Open Doors' World Watch List of the most difficult countries to be a Christian. Matthew 5:10 says, “Blessed are those who are persecuted for righteousness' sake, for theirs is the Kingdom of Heaven.” China continues massive military drills near Taiwan China carried out massive military drills around Taiwan this week. They were the most extensive war games to date, involving live fire, warships, and fighter jets.  Taiwan functions as an independent nation. However, China claims the territory as its own and uses military drills as an intimidation tactic.  The recent drills came after the United States agreed to an $11 billion arms sale to Taiwan last month. Australian church attendance virtually recovered post COVID Church attendance in Australia is recovering from the COVID-19 pandemic.  The Church Pulse Check 2025 report surveyed 10% of Australian churches. An estimated 1.35 million Australians attend churches services every week. That's up from one million in 2021. It's almost back to pre-pandemic levels of 1.4 million in 2016. First two Trump vetoes In the United States, President Donald Trump issued the first vetoes of his second term on Tuesday. President Trump vetoed the Finish the Arkansas Valley Conduit Act. It would provide taxpayer funding to a local water project in Colorado. He wrote, “Enough is enough. My administration is committed to preventing American taxpayers from funding expensive and unreliable policies. Ending the massive cost of taxpayer handouts and restoring fiscal sanity is vital to economic growth and the fiscal health of the nation.” President Trump also vetoed the Miccosukee Reserved Area Amendment Act. The bill would expand the area reserved for the Miccosukee Tribe in Florida. Abortion Pill Rescue Network saved 7,000 babies Heartbeat International reports its Abortion Pill Rescue® Network has saved the lives of over 7,000 unborn babies. Using a progesterone protocol, Abortion Pill Reversal allows many mothers to save their pregnancy after starting down the path of a chemical abortion.  An estimated 79% of abortions in the U.S. last year were done through the abortion pill. However, Heartbeat International is seeing more and more women every year start the reversal process to save their babies.  Proverbs 24:11 says, “Deliver those who are drawn toward death, and hold back those stumbling to the slaughter.” Matthew top Bible book studied through Logos platform The Bible study platform Logos released a report on how people around the world studied the Bible in 2025. Listen to comments from Chris Migura, president of Logos. MIGURA: “We saw some incredible outcomes this year. There were over 76 million study sessions in Logos so far this year. Of the 10 countries with the most Logos users, five are non-English speaking. We're thrilled to see that global impact. “We reach new audiences. We're seeing more and more everyday believers -- not just pastors, students or scholars -- doing meaningful Bible study in Logos.” Logos had over four million users across 164 countries last year. The top countries for Logos usage were Brazil, Germany, Mexico, South Korea, and Singapore. The most-studied book of the Bible was the Gospel of Matthew. And the top Bible verse of the year was 2 Timothy 3:16. The verse says, “All Scripture is inspired by God and profitable for teaching, for reproof, for correction, for training in righteousness.” Only 31% of U.S. adults plan New Year's resolution And finally, a new YouGov survey revealed the top New Year's resolutions of Americans. Only 31% of U.S. adults said they planned on making some type of resolution or goal for 2026. Of those, the top resolution was exercising more followed by being happy and eating healthier. Spending more time with family and praying more made it into the top 10 resolutions. Close And that's The Worldview on New Year's Day, Thursday, January 1st, in the year of our Lord 2026. Follow us on X or subscribe for free by Spotify, Amazon Music, or by iTunes or email to our unique Christian newscast at www.TheWorldview.com.  I'm Adam McManus (Adam@TheWorldview.com). Seize the day for Jesus Christ.

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

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

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

HOW TO START SPENDING CONFIDENTLY IN RETIREMENT FROM BALTIMORE WASHINGTON FINANCIAL ADVISORS Tyler Kluge | CFP®, CPWA®, CDFA®, CEPS Financial Planner, BWFA Tessa Hall Media and Communications Specialist, BWFA About This Episode Moving from saving money to spending it in retirement can feel uncomfortable and unfamiliar. Learn why this transition is often emotionally challenging and how thoughtful planning can help you spend with greater confidence and peace of mind. Full Description For many retirees, the shift from saving money to spending it can be one of the most challenging parts of retirement. After decades of building assets, drawing from those savings often feels unnatural, even when the plan supports it. In this episode of Healthy, Wealthy & Wise, the discussion explores how to navigate the transition from saving to spending in retirement. Listeners will learn why this shift can feel emotionally difficult and how thoughtful planning helps ease the adjustment. The episode explains how retirement spending differs from working years. Income sources change, spending patterns evolve, and decisions often require more intention. Understanding how and when to use savings is critical for maintaining confidence throughout retirement. The conversation also addresses common concerns, such as fear of running out of money and uncertainty around market conditions. Listeners gain insight into how planning strategies can provide structure while allowing flexibility as needs change over time. Rather than focusing on rigid rules, the episode emphasizes aligning spending with personal priorities and long-term goals. Retirement spending should support the life you want to live, not create ongoing stress or hesitation. At BWFA, we help retirees develop income strategies designed to support both lifestyle and longevity. This episode offers perspective for anyone approaching retirement or already adjusting to life after full-time work. To learn more about retirement planning strategies, visit BWFA's Financial Planning Services.

I really enjoyed reading the "why I donate" posts in the past week, so much so that I felt compelled to add my reflections, in case someone finds my reasons as interesting as I found theirs. 1. My money needs to be spent on something, might as well spend it on the most efficient things The core reason I give is something that I think is under-represented in the other posts: the money I have and earn will need to be spent on something, and it feels extremely inefficient and irrational to spend it on my future self when it can provide >100x as much to others. To me, it doesn't seem important whether I'm in the global top 10% or bottom 10%, or whether the money I have is due to my efforts or to the place I was born. If it can provide others 100x as much, it just seems inefficient/irrational to allocate it to myself. Honestly, the post could end here, but there are other secondary reasons/perspectives on why I personally donate that I haven't seen commonly discussed. 2. Spending money is voting on how the global economy allocates its resources In 2017, I read Wealth [...] ---Outline:(00:22) 1. My money needs to be spent on something, might as well spend it on the most efficient things(01:09) 2. Spending money is voting on how the global economy allocates its resources(04:11) 3. I dont think its as bad as some make it out to be(07:35) 4. I donate because Im an atheist (/s) --- First published: December 15th, 2025 Source: https://forum.effectivealtruism.org/posts/CSKob9hGmWM7f7yv8/i-give-because-it-s-the-most-rational-way-to-spend-my-money --- Narrated by TYPE III AUDIO.

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

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

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

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

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

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

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

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

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

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