Podcasts about spending

GoMining CEO Mark Zalan takes the stage at Consensus Hong Kong 2026 to discuss systemic infrastructure barriers to Bitcoin payments and how GoMining is building solutions to bridge the gap between holding and utility. GoMining CEO Mark Zalan took the stage at Consensus Hong Kong 2026 for a fireside chat challenging the industry's reliance on the HODL narrative. Drawing on data from a survey of over 5,700 users, Zalan revealed a stark reality: more than 55% of bitcoiners rarely or never use BTC for real-world payments, despite nearly 80% supporting its adoption as a currency. In this session, Zalan dismantles the myth that bitcoin's primary hurdle is a lack of interest, pointing instead to a systemic failure in infrastructure. He explores the critical barriers identified by the data including limited merchant acceptance, high fees, and price volatility—while detailing how GoMining is building the solutions to bridge this gap, from the rollout of native Layer 1 payment rails to a yield product.

Revisiting Mike Vrabel's comments on offseason spending

Revisiting Mike Vrabel's comments on offseason spending // Grab Bag // Clip Du Jour/Crossover with WEEI Afternoons //

Wednesday on The A-Team, Adam Clanton and Adam Wexler discuss the possibility of the Houston Texans signing Ken Walker III and what a potential deal could mean for the franchise moving forward.

When looking for a new car, many of us don't look beyond the list price. But annual maintenance costs needs to be taken into consideration.In this podcast, we reveal the result of our annual survey into maintenance costs, and reveal some of the most and least reliable car brands on the market.Plus, your fuel type can impact your yearly outlay. We've crunched the numbers to find out how each type compares, from EVs, to petrol cars and everything in between.Read all of our car reviews on our website & sign up for our free Cars newsletterTry out our car reliability tool on our websiteGet in touch with us via email - podcasts@which.co.ukPodcast listeners can get 50% off an annual Which? membership

Most financial planning is built around goals.  Goals like:  Retiring at 60  Spending more time traveling  Leaving a legacy through philanthropy   But there's a structural flaw in that model: human beings are notoriously poor predictors of their future preferences. What we think will make us happy at 60 often looks very different once we get there.  Yet as Advisors, we routinely ask clients to define long-term goals without fully pressure-testing the assumptions behind them.   In this episode, Meghaan Lurtz explains how we can shift away from the shortcomings of goals-based planning by focusing on the power of experiments.  Instead of asking our clients to commit to big, static goals, we can help them design small, intentional experiments.  Help them test the retirement, test the travel, and test the hobbies they “think” they'll enjoy one day.  Because a client who has tried something knows what they want. And an Advisor who helps them get there becomes indispensable.  If you want deeper conversations, more engaged retirees, and clients who actually use their money in ways that improve their lives, then this episode offers a practical framework you can implement immediately.  You'll Learn:  Why goals-based planning may be unintentionally limiting your clients' happiness  The simple 4-step experiment framework that unlocks confident spending and clearer decisions  How to help chronic under-spenders safely test higher spending without triggering fear  Why debriefing client experiences may be more powerful than the financial plan itself  Subscribe to the Wired Advisor newsletter packed with behavioral-backed resources to help you grow your business → Click Here    Links To Resources Mentioned:  “Helping Underspenders and Savers Understand They Can Spend More With 4 Stages Of Experiments”  Connect With Brendan:  RFG Advisory  LinkedIn: Brendan Frazier  About Our Guest:  Meghaan Lurtz, Ph.D., FBS™ is a globally recognized expert on the psychology of financial planning and the human dynamics of money. She is a partner at Beyond The Plan®.  Dr. Lurtz is also a Professor of Practice at Kansas State University, teaching in the Advanced Financial Planning and Financial Therapy Certificate Programs, and a Lecturer at Columbia University, where she teaches Financial Psychology. Her academic and professional contributions include published research in Journal of Financial Planning, Journal of Consumer Affairs, and Financial Planning Review, as well as regular columns on Kitces.com.  Her expertise has been featured in The Wall Street Journal, BBC, Million Dollar Roundtable, New York Magazine, and more. She has co-authored chapters in the CFP Board's textbook Client Psychology and serves on multiple fintech boards bridging financial advice with mental health. Meghaan is a past President of the Financial Therapy Association.

After the grind of Annual Enrollment, the reality of lock-in can be a little defeating, even for the most seasoned agents. If you've been feeling that way, listen to learn more about Special Needs Plans and their place in your post-AEP strategy.   Read the text version  

In 2022, Avetis Antaplyan was absolutely flying...HIRECLOUT, his global recruiting firm with 30 employees across the US, Colombia, Armenia, and India was breaking record after record.Two-time Inc. 5000 Fastest Growing Company, his best year ever and he felt everything was working.Then when the market hit hard in 2023-2024 and every other founder was doing layoffs, Avetis refused to cut people.Instead, he took most of his profits out of the business to keep his team employed through the downturn.He genuinely believed loyalty would be returned. That when things turned around, they'd kill it together.It didn't work that way."Those were the first people who resigned when we put some pressure on," he admits. "All it did was burn my profit."For two and a half years, he broke even. The money was gone. The people left anyway. But that failure taught him something most founders never learn: protecting average people doesn't build loyalty. It destroys capital.Now he's building the opposite.His new obsession: take exceptional people (circa $500-600k billers) and use AI, systems, and tools to turn them into $1m producers.He's recently hired a principal on executive search, a director of business development, and is planning a head of consulting…. Serious hires for a new phase of growth.In this episode, we cover:- Why he chose loyalty over layoffs (and what it cost)- Two and a half years of breaking even- The moment he realised protecting people was destroying capital - How he rebuilt with "bar raisers or nothing"- Building AI to turn $600k billers into million-dollar producers- Why he's never burnt out (and why most founders do)This story highlights a founder who made a decision based on loyalty, watched it blow up in his face, and chose to learn instead of blame the market.If you've ever wondered what happens when you prioritise people over profit, this episode may change how you think about loyalty. __________________________________________Episode Sponsor: Remote RecruitmentHiring shouldn't be slow, stressful, or expensive. That's why there's Remote Recruitment — the smart hiring partner for modern businesses.They don't just help you find great people. They help you access elite South African talent that's ready to deliver. No PAYE. No NI. No bloated overheads. Just trained, remote professionals who integrate seamlessly into your team.Their process handles everything: sourcing, shortlisting, onboarding, and retention. Fully managed. Fully supported. Fully remote.And now, Remote Recruitments has entered a new chapter. From ops to admin, sales to strategy, we're helping businesses scale smarter with people they trust, at a cost they can afford.Clients have seen:* Up to **60% productivity boosts*** **300% ROI** on BD roles* **30% faster completion** of operational tasksNo overhead burden. No talent shortage panic. Just growth-focused hiring that makes business sense.Remote Recruitment is your flexible hiring solution for the modern era.**RAG Listeners:** Get 5% off your first hire + a free strategy session at www.remoterecruitment.co.uk/rag__________________________________________Episode Sponsor: HoxoEvery recruitment founder is investing in LinkedIn.Spending thousands on Recruiter licences.Building connections. Posting content. Growing networks.But here's the question almost no one can answer:How much revenue is LinkedIn actually bringing into your business?Most founders have thousands of connections but no clear process to turn that attention into cash.That's the problem we solve.At Hoxo, we help recruitment...

Gift Card Bonanza (0:54) Carson Binda, B.C. Director of the Canadian Taxpayers Federation The Debt Spiral: Paying More to Get Less (8:43) Mike De Jong, Former MLA & Finance Minister Can AI firms be compelled to report online threats? (22:57) Dr. Emily Laidlaw, Associate Professor and Canada Research Chair in Cybersecurity Law at the University of Calgary Policy Whiplash and Global Trade Tensions Fuel Uncertainty in B.C.'s Auto Market (33:11) Blair Qualey, President and CEO of The New Car Dealers Association of B.C. Learn more about your ad choices. Visit megaphone.fm/adchoices

It passed 193 bills over the past week, and now Wisconsin’s state Legislature is essentially done for the rest of 2026. State Assembly Rep. Steve Doyle (D-Onalaska) stopped in studio Monday to help wrap our heads around what it was like in Madison during that final push, why severe migraines caused him to miss some votes, and what the retirement of Speaker Robin Vos means for the future of the state. Doyle, who noted that he currently ranks as the most bipartisan member of the Assembly, also pulled back the curtain on the "brutal" Republican caucus infighting that finally led to the passage of Gail’s Law and postpartum Medicaid expansion. These two bills received all but one vote from the entire Assembly, yet they had been "bottled up" for a decade. He described a scene where Democrats essentially ground the session to a halt with amendments until the GOP leadership finally relented on the proposals, which boast 95% public support. The conversation shifted to the state’s $2.5 billion budget surplus. Doyle argued that if the state is sitting on that much cash, it has simply overtaxed the public—though he admitted the "devil is in the details" when it comes to returning that money while still properly funding schools and local municipalities. One of the more "head-scratching" pieces of legislation we hit on was the push to ban "junk food" from SNAP benefits. While the state is already looking at nearly $70 million in new administrative costs just to keep the program running under new federal rules, this bill would tack on another $6 million to build and maintain a "candy and soda database." It’s a complicated mess that creates some wild contradictions; as Doyle pointed out, the database could potentially ban a bottle of sparkling water while still allowing a dairy-filled milkshake, simply because we’re the dairy state. Looking ahead to a post-Vos era, Doyle expressed a sense of relief. He's hopeful that the "zero-sum game" of the last ten years might finally be replaced by a more pragmatic, "get-things-done" tone under new leadership. We wrapped up the show by tackling the ethics of "mugshot pages" on social media. Most people have seen these Facebook groups dedicated to reposting police photos, often creating a digital scarlet letter before a case even reaches court. We asked Doyle—as both a lawmaker and a lawyer—if there is a way to curb this practice, especially when it results in the public vilification of people who may be innocent or whose low-level offenses don't warrant a lifetime of social media harassment.See omnystudio.com/listener for privacy information.

In this third episode of The Narcissism Trap series, we shift from personal validation to legal strategy, exploring why the very word that brought you clarity could be the thing that sinks your court case. We'll look at how judges actually view labels like "narcissist" and why focusing on clinical diagnoses can unintentionally dilute accountability and hand a "gift" to your ex's legal team.

What if the thing that changed someone’s life wasn’t charity — but a purchase? In this episode, Lauren McCann shares the deeply personal story of her brother’s struggles with mental health, addiction, and homelessness — and the $10,000 art purchase that helped spark his transformation. That moment didn’t only restore his confidence, it also inspired Lauren to build Procure Impact, an extraordinary marketplace connecting businesses to mission-driven suppliers such as ones who employ survivors of trafficking, people in recovery, and those returning from prison. You’ll learn why opportunity often works better than intervention, how bottom-up solutions outperform top-down programs, and how your everyday spending decisions can become part of your service journey. This conversation might just change the way you think about helping others.Support the show: https://www.normalfolks.us/#joinSee omnystudio.com/listener for privacy information.

What if the thing that changed someone’s life wasn’t charity — but a purchase? In this episode, Lauren McCann shares the deeply personal story of her brother’s struggles with mental health, addiction, and homelessness — and the $10,000 art purchase that helped spark his transformation. That moment didn’t only restore his confidence, it also inspired Lauren to build Procure Impact, an extraordinary marketplace connecting businesses to mission-driven suppliers such as ones who employ survivors of trafficking, people in recovery, and those returning from prison. You’ll learn why opportunity often works better than intervention, how bottom-up solutions outperform top-down programs, and how your everyday spending decisions can become part of your service journey. This conversation might just change the way you think about helping others.Support the show: https://www.normalfolks.us/#joinSee omnystudio.com/listener for privacy information.

As a budget shortfall forces tough choices at the Idaho State Legislature, leaders are locked in a high-stakes debate over tax cuts, spending priorities and how deep state agency reductions should go.

Sun. February 22, 2026: "Silent Prayer: Spending a 'Desert' Moment with Jesus" -Rev. Anthony Hoangphan, Parochial Vicar

The national railway operator recorded 121 million passenger trips over the nine-day holiday, up 11.5 percent. Goods transported rose by half a percent to over 85 million metric tons. Film box office revenue exceeded 5.7 billion yuan.

China's tourism sector showed strong momentum during the nine-day Spring Festival holiday. The country recorded 596 million domestic trips while domestic tourism spending totaled over 803 billion yuan.

The annual Black History Month art exhibition at the Gilroy Center for the Arts is honoring lesser known African Americans this year. And, a new report from Sen. Adam Schiff, D-Calif., found Immigration and Customs Enforcement spending on weapons went up 360% from 2024 to 2025.

Have you ever stared at a wardrobe full of clothes and still thought… I have nothing to wear? You're not alone. In Episode 81 of It's a Mindset, I'm joined by Emma Edwards — financial behaviour specialist, founder of The Broke Generation and author of The Wardrobe Project — to unpack the powerful psychology behind our spending habits, self-image and relationship with consumption. Emma undertook a radical experiment: one full year without buying any clothes. No new pieces, no second-hand finds, not even rentals. What followed was a deeply honest journey that challenged the cultural “hamster wheel” of fashion consumption and revealed just how closely our spending can be tied to identity, insecurity and emotional needs. This conversation goes far beyond budgeting. It's about awareness, behaviour and the quiet patterns driving many of our financial decisions. Emma really encouraged me to reflect on my own consumption — especially when it comes to clothing — and what might be sitting underneath those choices. It was such a powerful reminder that money habits are rarely just about money. Emma is the founder of Broke Media and host of The Broke Generation Podcast, reaching tens of thousands of listeners each month. As a Certified Financial Behavior Specialist®, she is known for helping people feel good about money by focusing on the psychology behind our financial choices — not just the numbers. Key Episode Takeaways The dopamine hit of buying clothes — and what's really driving it How insecurities (and beauty and diet culture) can fuel overconsumption Emma's year-long no-buy clothing experiment and what it revealed Why money is often about security or freedom — and what that actually means for you Emma's powerful ethos: as long as you're doing something, clarity on your life path will come About the Guest: Emma Edwards is a financial behaviour specialist, author and founder of The Broke Generation — now evolved into Broke Media, a personal finance media company helping people feel good about money. She is the author of Good With Money and The Wardrobe Project, and host of The Broke Generation Podcast, reaching tens of thousands of listeners each month. Through her work, Emma helps audiences understand the psychology behind their financial habits, with the firm belief that getting on top of your money starts with getting to know yourself. Show Resources: Follow Emma on Instagram - HERE Check Out Emma's Website - HERE Learn More About The Wardrobe Project - HERE Follow Emma, the Podcast Host on Instagram - HERE Learn More About Emma's 1:1 Coaching - HERE Book a FREE Discovery Call with Emma - HERE Emma's approach is refreshingly honest and deeply insightful, reminding us that getting good with money starts with getting to know yourself. If you LOVED this episode, make sure you share it on your Instagram stories and tag @emmalagerlow and @the.brokegeneration. Thanks for tuning in. Yours in Conscious Spending, Emma. X.

The guys discuss the Ravens lack of spending in free agency and why it's an issue.

Money isn't the problem—the heart is. In this episode, Costi Hinn walks through what Scripture actually says about possessions, wealth, and when buying crosses the line into sin.

Most org design conversations get forced through a narrow funnel: prove the ROI, justify the spend, make the numbers work. But if work is something most people can't opt out of—and where we spend a huge chunk of our attention and waking lives—then “it pays off” feels like a painfully small standard. This week, Rodney and Sam explore the ethical case for organizational design. They move beyond spreadsheets and profit metrics to ask bigger questions about leadership, power, transparency, compensation, and the human impact of broken systems. What do organizations owe the people who work inside them? Is better workplace design a moral responsibility — not just a financial strategy? -------------------------------- Ready to change your organization? ⁠⁠⁠⁠⁠⁠⁠⁠⁠Let's talk.⁠⁠⁠⁠⁠⁠⁠⁠⁠ Get our newsletter: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Sign up here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.⁠⁠⁠⁠⁠⁠⁠⁠⁠ Follow us: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠LinkedIn⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ -------------------------------- Mentioned references: r/antiwork Mihaly Csikzentmihalyi and Flow Target CEO comp package (note: New CEO's comp package is roughly $16m, vs over $70m for the prior CEO in 2020) triple bottom line John Rawls and A Theory of Justice 00:00 Check-In: What's your energy like right now? 04:04 Divorcing doing what's “good work” from ROI 08:16 A “good” experience is the exception rather than the rule 10:06 Protecting yourself isn't “selling out” 15:41 Spending our attention on worthy things 21:35 Leadership vs. worker power disparity is broken 27:31 Ethically designed companies never are publicly traded 31:07 Principles and values of ethical orgs 40:35 Joy at work shouldn't be nickled and dimed 44:35 Idea 1: Don't accept performative change initiatives 47:17 Idea 2: Audit your existing principles and values 48:35 Idea 3: Don't let leadership gaslight you into conforming 50:33 Wrap up: Leave us a review and share the show with a friend Sound engineering and design by Taylor Marvin of ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Coupe Studios⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

Andy and Randy talk about Ronald Acuna Jr. watching a big hit fall short of the wall and only getting a single, and some of the early observations from Braves Spring Training.

Illinois Gov. JB Pritzker unveiled the final budget address of his second term, proposing a $56 billion plan that largely maintains the status quo while navigating federal funding cuts and rising costs. The budget includes targeted tax increases on social media companies and modest growth for education and pensions. STLPR Metro East reporter Will Bauer breaks down the speech and Pritzker's priorities.

Don't get to the end of this year wishing you had taken action to change your business and your life.Click here to schedule a free discovery call for your business: https://geni.us/IFORABEDon't miss an upcoming event with The Institute: https://geni.us/InstituteEvents2026Shop-Ware gives you the tools to provide your shop with everything needed to become optimally profitable.Click here to schedule a free demo: https://info.shop-ware.com/profitabilityTransform your shop's marketing with the best in the automotive industry, Shop Marketing Pros!Get a free audit of your shop's current marketing by clicking here: https://geni.us/ShopMarketingProsShop owners, are you ready to simplify your business operations? Meet 360 Payments, your one-stop solution for effortless payment processing.Imagine this—no more juggling receipts, staplers, or endless paperwork. With 360 Payments, you get everything integrated into a single, sleek digital platform.Simplify payments. Streamline operations. Check out 360payments.com today!In this episode, Lucas and David are joined by Tyler Wonderlic from Steer and AutoOps. Tyler explains the value of a CRM for shop owners, emphasizing its role in centralizing customer communication and improving retention. David shares his frustrations with customer miscommunication and online reviews, sparking a conversation about managing reputation and crafting thoughtful responses. Lucas and Tyler also discuss the importance of segmenting customer experiences to meet diverse expectations.00:00 "Realizing Athletes Are Kids"09:11 "Save $1,300 or Time?"12:24 Steroid Loopholes Exploited by Chemists20:41 "Bad Reviews, Full Parking Lots"24:36 Learning from Criticism Strategically26:42 "CRM Value and Subscriptions"35:58 "Customizing CRM for Business Goals"41:09 "Challenges with Accurate Data Analysis"43:04 "Customer Service Expectations Rant"51:51 "David's Family and Loss"57:35 "Balancing Service and Spending"59:34 "iPhone Over Safety Concerns"

Shoot us a Text.Episode #1276: The 2026 dealer census shows fewer franchise points but stronger per-store sales. Tesla resale values rise while other EVs slide post-tax-credit. And consumers are shifting away from big-ticket purchases, focusing instead on repairs, durability and value.The latest Automotive News dealer census shows a network that's slimming down—but getting stronger. As OEMs right-size their footprints, throughput is climbing and single-brand stores are on the rise.The U.S. starts 2026 with 18,300 dealerships—just 11 fewer than last year—but total franchise points dropped 1.5% to 29,387.Exclusive, single-brand stores rose 1.2% to 13,351 locations as automakers continue network consolidation strategies.Buick (-20%), Lincoln (-9.9%) and Jaguar (-25%) all shrank networks intentionally, boosting per-store performance in the process.Average franchise throughput across the industry climbed 4.1% to 532 vehicles in 2025, with Toyota leading at 1,736 units per store, up 8%.19 brands improved throughput in 2025 — but 24 saw declines, including 12 brands down more than 10%. As networks shrink, the gap between healthy franchises and struggling ones is widening fast.When the $7,500 EV tax credit disappeared, most used EV prices fell. Except Tesla. While mainstream electric models lost value and OEMs started discounting hard, Tesla resale prices actually climbed — changing the whole picture.Used Tesla prices rose 4.3% since the credit ended, while other used EVs dropped an average of 3.6%.Because Tesla makes up such a big slice of the market, overall used EV prices actually rose 3.5% — but that's a bit of a mirage.Lower-cost EVs like the Kona Electric, ID.4, Niro EV and Mach-E all lost around 5–6% in just a few months. The Porsche Taycan was the only non-Tesla model to see a price increase, at 4.1%Used EV market share fell 20% in four months, suggesting mainstream buyers aren't rushing in — even with heavy new-EV discounts.Consumers are still spending — just not on the big stuff. Higher interest rates and tight housing turnover pushed shoppers towards smaller upgrades and essential repairs in 2025 — a trend expected to continue through 2026.Spending slowed across income groups late in 2025, especially households under $40K and over $150K.Large discretionary purchases like furniture and mattresses slowed sharply, while décor, kitchen items and maintenance held up.Home improvement spending softened for a third straight year but remains above pre-pandemic levels.Today's show is brought to you by ESi-Q. ESi-Q measures employee satisfaction and provides actionable insight into what's Join Paul J Daly and Kyle Mountsier every morning for the Automotive State of the Union podcast as they connect the dots across car dealerships, retail trends, emerging tech like AI, and cultural shifts—bringing clarity, speed, and people-first insight to automotive leaders navigating a rapidly changing industry.Get the Daily Push Back email at https://www.asotu.com/ JOIN the conversation on LinkedIn at: https://www.linkedin.com/company/asotu/

#cuttheclutter How have Kargil war with Pakistan, Galwan standoff with China & Op Sindoor shaped India's defence budget & expenditure? ThePrint Editor-in-Chief Shekhar Gupta traces India's defence capital budget since 1999, how much of it was actually spent and the three phases that define the real story. Consulting Editor (Economics) Bidisha Bhattacharya and Editor (Defence & Diplomacy) Snehesh Alex Philip join in. --------------------------------------------------------------------------------------------- To visit ThePrint Store: https://store.theprint.in/

Understanding the Human Side of Financial Decisions Join Certified Financial Fiduciaries™ Zach Keister and Christina Lamb for an eye-opening episode of Dollars & Sense that dives deep into the psychology of money. This isn't about spreadsheets—it's about the emotions, habits, and mindsets that shape your financial life. Discover why even smart people make puzzling money choices, and learn how your upbringing, mental wiring, and social comparisons influence your financial behaviors. From procrastinating on taxes to feeling envy or guilt when scrolling social media, Zach and Christina break down common cognitive biases—like loss aversion and present bias—and offer relatable stories (including a Monopoly experiment!) to show how these play out in real life. Get practical with 5 actionable tools to rewire your financial habits: Automate your savings and bills for less stress Create simple money rituals to reduce avoidance Reframe your money story for a healthier mindset Add friction to overspending and remove it from positive habits Seek accountability and professional support when needed Walk away with strategies to break the anxiety–avoidance loop, resist emotional overspending, and counteract the pressure of social comparison. Whether you're just starting out or looking to strengthen your financial foundation, this episode will help you see your money life as a relationship you can nurture and improve—no shame, just progress.

This episode is a special one for me: Steve Gadd.Steve is not just a great drummer. He is one of those rare musicians whose feel and sound are instantly recognizable. A few seconds in, and you know it's him. He has been a first-call presence on recordings and tours for decades, and somehow, he makes the most complex things feel relaxed and human. Spending time with him for this conversation was a real honor.We begin in the present. In 2026, Steve is still moving forward with curiosity and purpose. He talks about starting the year with the Love Rocks benefit in New York, touring Europe with Michael Blicher and Dan Hemmer, rehearsing and touring with Paul Simon, and heading out again with James Taylor. Later in the year, he is back with Simon Oslender and Will Lee, a project that clearly brings him joy. You can hear how much he values character, maturity, and the spirit of the bandstand.We trace the roots of his musicianship through his time in the Army Field Band during the Vietnam era. Daily chart reading sharpened his time, discipline, and mindset. It was not always fun, but it was formative. He also reflects on mentorship, from Stanley Street to John Beck, and how those teachers shaped not just his hands but his confidence and identity.Steve speaks candidly about insecurity and imposter syndrome, about how reading is a skill that fades without use, and how repetition is the real secret. No shortcuts. We also dive into sound, volume, and dynamics. He shares his thoughts on live versus studio playing, the challenges of modern stage volume, and why the best shows begin at a real level and let the music breathe.What stays with me most is his philosophy. It is not about ego. It is about service, supporting the song, making the artist comfortable, and being a good teammate. This conversation captures a legend who is still learning, still listening, and still chasing feel and sound in the purest way.Music from the Episode:I Gotta Try (Michael McDonald)On a Roll (Live) (Simon Oslender)September Grass (James Taylor)My Rival (Steely Dan)Thank you for listening. If you have questions, feedback, or ideas for the show, please email me at brad@thebandwichtapes.com.

If you're enjoying the content, please like, subscribe, and comment!Saundra's Website: https://www.friendsofsaundradavis.com/Saundra Davis is a voice of reason for Fairfax County schools, bringing independent thinking and practical solutions to education leadership. A proud mother of three adult children who all graduated from Fairfax County Public Schools, she has called Fairfax County home for more than 14 years. Saundra holds a bachelor's degree in Psychology from Colorado State University and master's degrees in Health Care Administration and Gerontology from the University of Southern California. She brings real-world leadership experience from her work as director of a secure memory-care community, where she balanced budgets while meeting the needs of vulnerable populations, and currently serves on the Virginia Public Guardian and Conservator Advisory Board. A former candidate for the FCPS School Board At-Large, Saundra is committed to trust, transparency, responsible use of taxpayer dollars, and working across traditional lines to deliver results for families in the Braddock District-always keeping students at the center of every decision._______________________Follow us!@worldxppodcast Instagram - https://bit.ly/3eoBwyr@worldxppodcast Twitter - https://bit.ly/2Oa7BzmSpotify - http://spoti.fi/3sZAUTGYouTube - http://bit.ly/3rxDvUL#politics #localpolitics #localnews #school #schoolboard #fairfaxva #ffx #localelections #election #education #subscribe #explore #explorepage #podcastshow #longformpodcast #podcasts #podcaster #podcasting #worldxppodcast #viralvideo #youtubeshorts

The so-called Bright Act, is a $3 billion bond bill aiming to put at least $2.5 billion of that back into campuses across Massachusetts.

Stephanie Sammons: Financial Planner by Day, Songwriter by Calling | Curious Goldfish with Jason EnglishHost Jason English welcomes Stephanie Sammons to Curious Goldfish in Nashville for a conversation about her dual life as a Dallas-based financial planner and an emerging songwriter. Stephanie explains her holistic approach to wealth management—combining financial planning, tax planning, and investment management—while emphasizing the importance of behavior, long-term perspective, and living fully rather than following rigid rules. She shares how she decided to “go pro” as a songwriter without leaving her career, motivated by a desire to avoid regret and stop waiting for permission to be herself, including encouragement from songwriter Mary Gauthier to claim the title of songwriter. Stephanie discusses her Southern Baptist upbringing in Missouri, how coming out created a decade-long family disconnect, and how reconciliation eventually developed into mutual respect, including her parents' relationship with her wife and their grandchildren. The episode explores themes of faith, nuance, fear, optimism, and how personal experiences become songwriting material, including her song “Faithless” and the origins of “Innocence Lost,” inspired by a childhood memory of shooting a bird with a BB gun and later shaped in a Mary Gauthier workshop. Stephanie notes she released her 2024 album “Time and Evolution” and is currently recording a second full-length album with Mary Bragg, expected in early 2026. The episode closes with Stephanie performing “Innocence Lost.”00:00 Music, Faith, and Finding a Hopeful Perspective01:01 Welcome to Curious Goldfish + Meet Stephanie Sammons03:15 Nashville Intro & Why Her Songs Hit So Hard04:07 Holistic Financial Planning: Retirement, Spending, and Mindset06:53 Market Chaos, Long-Term Optimism, and Tuning Out the Noise08:05 Day Job vs. Art: Going Pro Without Quitting10:57 ‘Build Your Own Adventure' + Claiming the Title Songwriter12:06 No More Excuses: Regret, Calling, and Making the Leap14:10 Faith Deconstruction in Americana Music (and Why It's Taboo)16:52 Southern Baptist Roots, Sexuality, and a Complicated Belief18:10 The ‘Billboard Sign' Lyric: Family Rejection and Its Aftermath18:59 Rebuilding the Relationship: From Pedestal to Reconciliation19:40 The Turning Point: Letting Go and Parents Coming Back Around21:33 Agreeing to Disagree: Family, Marriage, Kids, and Mutual Respect22:30 Will Sexuality Always Be the Headline? Identity Beyond Coming Out23:31 Deep-Cut Songs & ‘Innocence Lost': Writing Empathy in the South26:57 How a Workshop Sparked ‘Innocence Lost' (Mary Gauthier Story)27:46 Why Songwriting Is the Joy (and Co-Writing as the Next Step)28:53 ‘Faithless' and Living with Nuance: Doubt, Privilege, and Worldview31:06 Going Pro, New Doors, and Album #2 in the Works (2026)32:02 What She's Most Curious About: Media, Fear, and the Swinging Pendulum34:39 Closing Thanks + Live Performance: ‘Innocence Lost'

Signs of a turnaround in the retail sector as sales rise. Stats NZ data shows sales jumped by $239 million in December, compared to the September quarter – up nearly one percent. The growth was driven by pharmaceuticals and other store-based retailers, as well as electronic goods and hardware supplies. First Retail Group Managing Director Chris Wilkinson told Mike Hosking some of this is discretionary spending which is a great sign. He says potential interest rate rises could have an impact in future, but they're hoping the momentum will continue. LISTEN ABOVE See omnystudio.com/listener for privacy information.

Most clinics think the only way to get more patients is by spending more on ads. But here's the truth: you don't need a bigger ad budget to grow — you just need to convert more of the enquiries you're already getting. In this episode, I'll show you exactly how clinics are using AI to: ✅ Respond instantly to new patient enquiries (day or night) ✅ Follow up consistently with every lead until they book ✅ Personalise conversations to handle objections and nurture patients ✅ Reduce missed opportunities from after-hours calls and social media messages ✅ Fill the appointment book without hiring more staff or spending more on ads

Veronique de Rugy of the Mercatus Center explains how bipartisan spending on entitlement programs like Social Security and Medicare drives national debt, arguing that American consumers, not foreign nations, primarily bear the economic burden of tariffs. 141908 NYSE

In this episode of our weekly gaming podcast, Game Informer's Kyle Hilliard reviews God of War: Sons of Sparta, a new 2D metroidvania that Mega Cat Studios and Sony Santa Monica released during last week's PlayStation State of Play. Unfortunately, it's an underwhelming title. Kyle then explains why he spent $99 USD on Nintendo's Virtual Boy rerelease and what it's like experiencing the headset's strange catalog of games on the Switch 2.Later in the show, Eric Van Allen dives into Paranormasight: The Mermaid's Curse, a mystery adventure about a cursed Japanese seaside town that has impressed him. Finally, Alex Van Aken shares his thoughts on the rock-climbing simulator Cairn and how it's an excellent example of how games can uniquely tell stories.The Game Informer Show is a weekly podcast covering the video game industry. Join us every Friday for chats about video game reviews, news, and exclusive reveals alongside Game Informer staff and special guests from around the industry.Buy Game Informer Magazine: https://gameinformer.com/subscribeFollow our hosts on social media:Alex Van Aken (@itsVanAken)Kyle Hilliard (@kylehilliard)Eric Van Allen (@seamoosi)Jump ahead using these timestamps:00:00 - Intro03:31 - God of War: Sons of Sparta Review17:44 - Nintendo Virtual Boy on Switch 230:22 - Paranormasight: The Mermaid's Curse44:59 - Cairn is Excellent

Emotional spending isn't a discipline problem — it's a disconnection signal. In this episode, we're rewriting the narrative around impulse purchases, Target runs, late-night checkouts, and “I deserve this” moments. Because you're not bad with money — you're trying to soothe stress, reward exhaustion, feel connected, or become a future version of yourself. And a budget alone can't fix that. We break down the six most common emotional spending patterns, why self-control gets depleted when you're burned out or lonely, and a simple pause practice that helps you identify what you actually need before you buy. This isn't about never spending again. Joy is allowed. It's about making sure your money is supporting your life instead of numbing it. Your homework this week: notice the urge, name the feeling, and get curious — no shame required. If you're ready for personalized, judgment-free financial guidance, learn more about working with Shari. Shari Rash is the founder of GWA Wealth and the Host of Everyone's Talkin' Money. GWA Wealth is a virtual advisory firm helping women make confident, values-aligned decisions with their money. Visit GWA Wealth to explore your next step. Talkin' Points → where your money gets smarter. Real talk, practical tips, zero guilt straight to your inbox. Sign up here.  Be sure to like and follow the show on your favorite podcast app! Keep the conversation going on Instagram @everyonestalkinmoney Learn more about your ad choices. Visit megaphone.fm/adchoices

The Rod and Greg Show Daily Rundown – Friday, February 20, 20264:20 pm: Esther Wickham, Education Reporter for The Center Square, joins Rod and Greg for a conversation about her piece on how spending on public education in America is rising despite falling enrollment numbers.4:38 pm: Larry Sand, former (retired) President of the California Teachers Empowerment Network, joins the show to discuss his piece for American Greatness about how teachers are helping instigate anti-ICE hysteria in American schools.5:05 pm: Michael O'Neill, Vice President of Legal Affairs at the Landmark Legal Foundation, rejoins the show to get his reaction to the Supreme Court decision today that invalidates the tariffs President Trump placed on companies that import goods to America. The court rejected the administration's move to implement tariffs under the International Emergency Economic Powers Act.6:05 pm: Joy Pullman, Managing Editor for The Federalist, joins the show for a conversation about her piece on how red states are struggling to implement pro-American history curriculum in schools because of continued pushback from the left.6:20 pm: Nicholas Giordano, Higher Education Fellow at Campus Reform and a Political Science Professor at Suffolk Community College, joins Rod and Greg to discuss his piece for The Federalist about how many of the students protesting ICE can't answer basic questions from the U.S. Citizenship Exam.6:38 pm: We'll listen back to this week's interviews with New York Post opinion contributor Karol Markowicz on how the recent rash of killers who are transgender proves we have a mental health crisis, and (at 6:50 pm) with R Street Institute Policy Director Matt Germer on why he says we should slow down the implementation of the SAVE Act.

Spending some time catching up with life

Welcome back to Impact Theory with Tom Bilyeu! In today's episode, Tom and co-host Drew dive deep into some of the most pressing and controversial issues shaping our world right now—from New York City's fiscal chaos and skyrocketing housing prices to the unexpected ripple effects of government spending and regulation. Together, they break down the math behind budget increases, expose the realities of property tax hikes, and critique the tough choices involving pensions and social services. But the conversation doesn't stop there. Tom and Drew unpack the social and cultural shifts driving young people toward socialism, explore the global consequences of weak leadership and “suicidal empathy,” and even examine headline-grabbing stories like the casting controversy around Joan of Arc and the shadowy mysteries of the Epstein files. Expect hard-hitting insights, candid opinions, and plenty of humor as they question the status quo, challenge mainstream narratives, and urge listeners to stay informed and seek accountability. Tune in for a raw, thought-provoking journey into economics, politics, culture, and technology—plus, find out why Tom thinks Japan's approach to storytelling might just be the secret ingredient Hollywood needs. If you care about the future of society and want to hear bold perspectives on everything from AI safety to government transparency, this is an episode you won't want to miss. What's up, everybody? It's Tom Bilyeu here: If you want my help... STARTING a business: join me here at ZERO TO FOUNDER:  https://tombilyeu.com/zero-to-founder?utm_campaign=Podcast%20Offer&utm_source=podca[%E2%80%A6]d%20end%20of%20show&utm_content=podcast%20ad%20end%20of%20show SCALING a business: see if you qualify here.:  https://tombilyeu.com/call Get my battle-tested strategies and insights delivered weekly to your inbox: sign up here.: https://tombilyeu.com/ ********************************************************************** If you're serious about leveling up your life, I urge you to check out my new podcast, Tom Bilyeu's Mindset Playbook —a goldmine of my most impactful episodes on mindset, business, and health. Trust me, your future self will thank you. ********************************************************************** FOLLOW TOM: Instagram: https://www.instagram.com/tombilyeu/ Tik Tok: https://www.tiktok.com/@tombilyeu?lang=en Twitter: https://twitter.com/tombilyeu YouTube: https://www.youtube.com/@TomBilyeu Quince: Free shipping and 365-day returns at https://quince.com/impactpodShopify: Sign up for your one-dollar-per-month trial period at https://shopify.com/impactKetone IQ: Visit https://ketone.com/IMPACT for 30% OFF your subscription orderIncogni: Take your personal data back with Incogni! Use code IMPACT at the link below and get 60% off an annual plan: https://incogni.com/impactBlocktrust IRA: Get up to $2,500 funding bonus to kickstart your account at https://tomcryptoira.comAquaTru: 20% off your purifier with code IMPACT https://aquatru.com Netsuite: Right now, get our free business guide, Demystifying AI, at https://NetSuite.com/TheoryPique: 20% off at https://piquelife.com/impact Cape: 33% off your first 6 months with code IMPACT at https://cape.co/impact Plaud: Get 10% off with code TOM10 at https://plaud.ai/tom New York City budget, property tax hike, rent freeze, pension costs, social services spending, Democratic socialism, taxation, millionaire exodus, population growth, government spending, housing affordability, home prices, mortgage rates, real estate regulation, zoning restrictions, supply and demand, regulatory costs, Federal Reserve, deficit spending, AI safety, government regulation, authoritarianism, Palantir, Anthropic, Epstein files, impeachment, 9/11 conspiracy, voter ID, Japanese culture, race-swapping in movies, Joan of Arc Learn more about your ad choices. Visit megaphone.fm/adchoices

You can scale your business fast with the right digital marketing partners and strategy.Partner with our Meta ads experts: https://www.tiereleven.com/apply Are you still betting your entire growth plan on Google? If you're treating search like the “engine,” you might be building demand everywhere else and giving it zero credit.In this case study, I break down four years of work inside one of the most brutally competitive niches we serve. Personal injury law. We took a Michigan firm from messy tracking and misaligned leads to a machine that consistently optimized for the only metric that matters: signed cases. Early on, we drove a 70% drop in cost per signed case to about $1,518 and still achieved roughly a 20x ROI. I'll walk you through the Meta and Google synergy, the tracking stack that made optimization possible, and the “signed case maximizer” framework we use to scale without drowning in junk leads. In This Episode:- Early wins: leads, CPL, and CPC improvements- The 1,500 CAC and 20x ROI math- Spending $2,900 per signed case for $55m in revenue- Case diagnosis: no avatar and conversion tracking- Prescription: installing Tier 11 Data Suite- Deploying the signed case maximizer framework- Using Google's 90-day conversion tracking window- Installing the digital strategy velocity engine- Combining Meta and Google ads to maximize results- Impressions and leads from optimized adsMentioned in the Episode:Tier 11's Data Suite: https://www.tiereleven.com/what-we-do/data-suite Tier 11's nCAC Calculator: https://www.tiereleven.com/ncac Previous Episodes On The Personal Injury Law Case: https://perpetualtraffic.com/?s=personal+injury+law Watch the Episode on YouTube: https://www.youtube.com/@perpetual_traffic Listen to This Episode on Your Favorite Podcast Channel:Follow and listen on Apple: https://podcasts.apple.com/us/podcast/perpetual-traffic/id1022441491 Follow and listen on Spotify:https://open.spotify.com/show/59lhtIWHw1XXsRmT5HBAuK Subscribe and watch on YouTube: https://www.youtube.com/@perpetual_traffic?sub_confirmation=1We Appreciate Your Support!Visit our website: https://perpetualtraffic.com/ Follow us on X: https://x.com/perpetualtraf Connect with Ralph Burns: LinkedIn - https://www.linkedin.com/in/ralphburns Instagram -

On this episode, Matt talks about one small tweak you can make with your marketing to help it perform better. WANT MATT'S HELP WITH MARKETING? https://www.serviceindustrycoach.com

On today's podcast episode, we discuss the three big questions surrounding Amazon right now: Can it maintain its ad revenue momentum in 2026? Is AI spending a problem? Is it ready for agentic commerce? And more. Join Senior Director of Podcasts and host Marcus Johnson, along with Analysts Marisa Jones and Rachel Wolff. Listen everywhere, and watch on YouTube and Spotify.   Subscribe to EMARKETER's newsletters. Go to https://www.emarketer.com/newsletters   Follow us on Instagram at: https://www.instagram.com/emarketer/   For sponsorship opportunities, contact us: advertising@emarketer.com   For more information, visit: https://www.emarketer.com/advertise/   Have questions or just want to say hi? Drop us a line at podcast@emarketer.com    For a transcript of this episode, click here: https://www.emarketer.com/content/podcast-amazon-maintain-its-ad-revenue-momentum-ai-spending-problem-more-3-big-questions-amazon-behi   © 2026 EMARKETER

The village of Dolton, Illinois, is suing a bank, alleging that it improperly released $1.8 million in taxpayer funds, potentially enabling a spending spree by Tiffany Henyard. The lawsuit claims the bank should have stopped the transactions, raising questions about financial oversight and accountability within the village. This legal action seeks to recover the funds and prevent future misuse of taxpayer money. The case highlights concerns about the management of public finances and the responsibilities of financial institutions in safeguarding taxpayer dollars. We'll break down the details of the lawsuit, the implications for Dolton residents, and what this means for Tiffany Henyard's future.

Seth Denson gives his takeaways from the Supreme Court tariff ruling, and says it may have been “one of the biggest weeks” the market has had to process amid the rest of the economic data we got. He breaks down that data, including Jobless Claims, international trade news, and inflation rates. He thinks 2% inflation is “extremely overzealous” with this level of governmental spending: “between 2%-3% is a win.”======== Schwab Network ========Empowering every investor and trader, every market day.Options involve risks and are not suitable for all investors. Before trading, read the Options Disclosure Document. http://bit.ly/2v9tH6DSubscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/About Schwab Network - https://schwabnetwork.com/about

About 4 in 10 U.S. adults today are almost constantly online with global screen time averaging over six hours per day A 7-month study of 1,490 German adults found that spending more time online — especially on mobile phones — was linked to increased stress Children ages 10 to 14 who use Instagram, TikTok, and YouTube had poor self-esteem, largely because they compared their own lives to those of others who looked happier or more successful online "Passively" scrolling through social media increased social anxiety in college students, especially women, while actively posting and interacting helped lower anxiety and supported healthier social confidence Simple steps like setting app limits, turning off alerts, creating screen-free days, and focusing on real-life connections can help you break the scroll cycle and protect your peace of mind

Host Dennis Scully and BOH executive editor Fred Nicolaus discuss the biggest news in the design world, including a high-profile hire, Williams-Sonoma's AI ad deal, and why the uber-affluent are spending big on home security. Later, Havenly CEO Lee Mayer joins the show to talk about her acquisition of design platform The Expert.  This episode is sponsored by Loloi and Morris & Co.LINKSThe ExpertHavenlyBusiness of Home

The ebb and flow of Patriots' spending

Dutch lawyers say more than half of the AI-generated legal documents their clients bring in have to be thrown out, courts worldwide are handing down fines for fake citations, and one researcher tracking the problem says he's logging five or six new cases a day.PRINT VERSION (Includes full list of sources): https://weirddarkness.com/ai-law-advice/RELATED WEIRD DARKNESS EPISODES & ARTICLES:"The AI That Convinced a Man He Could Bend Time" — Weird Darkness (November 12, 2025):https://weirddarkness.com/ai-psychosis-lawsuit/"Can AI Lie? The Enigma of AI's Dysfunctional Deception" — Weird Darkness (July 1, 2025):https://weirddarkness.com/can-ai-lie/"Digital Discourse With the Dead: The Disturbing Rise of AI Séances and Synthetic Ghosts" — Weird Darkness (August 15, 2025): https://weirddarkness.com/ai-seances-digital-afterlife-griefbots/WeirdDarkness® is a registered trademark. Copyright ©2026, Weird Darkness.#WeirdDarkness #WeirdDarkNEWS #AIHallucinations #ChatGPT #AILegalAdvice #FakeCases #AIFabrications #LawyersSanctioned #MataVAvianca #AICourtFilings #ChatGPTFakeCases #MikeLindell #AIChatbot #FakeCitations #AILawFirms #LegalEthics #AIDangers #GenerativeAI #AIHallucination #LawyersVsAI #DutchLawyers #AILegalSystem #FakeLegalAdvice #ChatGPTLies #AIFakeCitations #CourtSanctions #LegalTechnology #ArtificialIntelligence #AIGoneWrong #ChatGPTDangers

Ramit Sethi of I Will Teach You To Be Rich talks to Cre and April, a couple of five years, aged 46 and 48. Cre lives a debt-averse life and has been methodically building her wealth. April, on the other hand, earns more than twice Cre's income but struggles with significant debt and zero savings. They are at a crossroads, contemplating moving in together, but their conflicting approaches to money present a major hurdle. Cre fears that April's spending habits will lead to constant arguments and financial strain, especially with the prospect of marriage and inheriting April's substantial debt. April, however, doesn't see her spending as a problem, insisting she lives a good life and can always work more to cover expenses. Ramit helps them uncover the generational patterns influencing their financial behaviors and challenges them to reconsider their current dynamic. In this episode we uncover: • How Cre and April act as "granny and child" during money conversations • Why April feels micromanaged and hides purchases • The emotional pressure April uses to get what she wants • The significant disparity in their net worth despite April's higher income • Why April initially doesn't see a problem with her spending habits • The uncomfortable truth about April treating money like she's still poor • How April's family history of money management influences her • The shocking revelation about generational money patterns • Why April's daughter is following a similar financial dynamic • Ramit's direct challenge to April's “innocent doe” persona • Cre's struggle to set clear financial boundaries • How April reacts to Cre's direct financial expectations • Ramit's step-by-step plan for April to tackle debt and build savings Chapters: (00:00:00) Introduction (00:04:14) April's persistent questions about Cree's spending (00:07:49) The "granny and child" roles in their money talks (00:12:47) Why April fears marrying into debt (00:13:46) The core of their financial disagreement (00:23:05) A stark comparison of their financial numbers (00:26:08) April's disconnect from her serious financial situation (00:36:00) Cree's secret side income and resourcefulness (00:40:00) April's luxury basement renovation with zero savings (00:44:40) Unpacking April's extensive debt and spending habits (00:48:28) Generational money patterns in April's family (01:05:32) Cree's struggle to set clear financial boundaries (01:10:09) The pitfalls of "walking on eggshells" in a relationship This episode is brought to you by: LMNT | Get a free 8-count Sample Pack with any LMNT order at https://drinklmnt.com/RAMIT Factor | Go to https://factormeals.com/ramit50OFF and use code RAMIT50OFF to get 50% off your first box, plus free breakfast for 1 year ZocDoc | Go to https://zocdoc.com/ramit to find and instantly book a top-rated doctor today #sponsored  Leesa | Go to https://leesa.com for 30% off mattresses PLUS get an extra $50 off with promo code RAMIT, exclusive for my listeners DeleteMe | Get 20% off all consumer plans when you go to https://joindeleteme.com/ramit and use promo code RAMIT at checkout Connect with Ramit • Get my new book, Money For Couples • Get Money Coaching with Ramit  • Download the Conscious Spending Plan • Listen to my book—now on Audible • Get my New York Times best-selling book • Get my no-numbers journal • Other episodes • Instagram • Twitter • YouTube Are you looking to retire in the next 5 years but wondering if you have enough saved? Apply to be coached for free on this podcast at iwt.com/apply