Podcasts about spending

Do you consider yourself a master negotiator when it comes to finding the "best" deal on a new school backpack, but suddenly get amnesia when it's time to justify buying yourself a coffee that costs more than a dollar?  This episode dives deep into why buying that cute top feels like a federal offense, but splurging on your kid's every whim is a walk in the park. It turns out, selfless spending can actually release dopamine, the brain's feel-good chemical, making it easier to be generous with others while self-spending can lead to guilt due to conflicting beliefs.  Ready to ditch the undies with holes and buy yourself something nice? Tune in and let's get you feeling worthy! Resources We Shared: Get our Stop Doing Checklist absolutely FREE, so you can start taking tasks off your plate today! Join our FREE No Guilt Mom Podcast group Visit No Guilt Mom Follow us on Instagram! Check out our No Guilt Mom Amazon Shop with recommended books and books from podcast guests HERE! Rate & Review the No Guilt Mom Podcast on Apple here. We'd love to hear your thoughts on the podcast! Listen on Spotify? You can rate us there too! Check out our favorite deals and discounts from our amazing sponsors here! #parentingpodcast #parentingtips #selfcare #mentalload #kids #teenager #toddler #preschooler #baby #noguiltmom #spendinghabits, #emotionalhealth, #womenempowerment, #self-worth, #guilt Learn more about your ad choices. Visit podcastchoices.com/adchoices

We all want the best for our kids, but knowing what's truly best isn't always easy.You've probably heard it—or said it yourself: “I just want my kids to have what I didn't.” It sounds noble, but it can sometimes lead to financial trouble. Today, we'll talk with Dr. Art Rainer about how that mindset can push parents into debt.Dr. Art Rainer is the founder of the Institute for Christian Financial Health and Christian Money Solutions. He is a regular contributor here at Faith & Finance and the author of Money in the Light of Eternity: What the Bible Says about Your Financial Purpose.6 Things That Can Lead Loving Parents Into DebtRaising kids is one of the most joyful and rewarding callings in life, but it can also be financially challenging. As parents, we want to give our children the best: opportunities, experiences, and resources that help them flourish. But sometimes, even with the best intentions, we can fall into financial traps that lead to debt.Here are six common ways loving parents may unintentionally sabotage their finances—and how to avoid them.1. Trying to Keep Up with the JonesesIt's a familiar struggle: your neighbor buys designer clothes for their kids or sends them to an elite private school, and suddenly you feel the need to do the same. But appearances can be deceiving—many people fund their lifestyle with debt. Chasing someone else's standard is a never-ending race, and the finish line keeps moving. Be cautious of modeling your spending after others who may not be living within their means.2. Falling into the Social Media Comparison TrapSocial media only shows the highlight reel. Perfect family vacations, overachieving kids, and pristine homes can tempt you to measure your life against a filtered illusion. These comparisons can spark discontentment and drive unnecessary purchases just to keep up appearances or ease the guilt of not "measuring up." Be mindful of how much your scrolling influences your spending.3. Believing Your Kids Need to Have It AllFrom travel teams to private lessons and elite camps, extracurricular activities have become a costly arms race. While these opportunities can be beneficial, they shouldn't come at the expense of your financial health. Don't believe the lie that your child will fall behind if they don't do everything. It's okay to say no, for the sake of your budget and your family's peace.4. Prioritizing Career Success Over Character DevelopmentThere's nothing wrong with wanting your children to succeed in school and in life, but academic or career accomplishments should never come at the cost of neglecting their hearts. Investing in your child's character, through time, guidance, and godly instruction, often requires less money but more intentional effort. And in the end, it matters far more.5. Overcompensating for What You Didn't HaveIf you lacked certain things growing up, it's natural to want your kids to have more. Whether it was a nicer bike, newer clothes, or a first car, those memories can shape how you respond as a parent. But giving in to every request—even on credit—can backfire. Love doesn't always mean saying “yes.” Sometimes it means exercising the wisdom to say “not right now.”6. Forgetting the Value of Doing WithoutNot getting what you wanted as a kid may have helped you grow. Maybe you learned creativity, resilience, or the value of work through those experiences. Don't rob your children of the same opportunity. Saying no might actually prepare them better for life than always saying yes.Loving your children doesn't mean giving them everything. It means stewarding your finances in a way that honors God and serves your family's long-term well-being. Avoiding debt is one of the best gifts you can give your children—it provides stability, models wisdom, and frees your family to give generously.On Today's Program, Rob Answers Listener Questions:I called about our whole life insurance policy. We've paid for 10 years and only have 19,000 saved with a 150,000 death benefit. My husband provides most of our income.What is the best first credit card for my college-aged daughter?Can I work and collect my full Social Security, or is there a wage cap that I need to worry about? I am 66 years old.Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Christian Money SolutionsThe Institute for Christian Financial Health6 Things That Can Lead Loving Parents Into Debt by Dr. Art Rainer (FaithFi.com Article)Open Hands FinanceWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Join Jim and Greg for Tuesday's 3 Martini Lunch as they dig into the FBI's decision to reopen two politically charged investigations, Elon Musk's disappointment with the amount of spending in the GOP bill, and a Harvard professor fired for falsifying her studies on dishonesty.First, Jim and Greg commend the FBI for revisiting stalled investigations, namely the 2022 leak of the Supreme Court's Dobbs abortion ruling and the 2023 discovery of cocaine inside the Biden White House. Both probes were closed under the current administration without answers.Next, they examine Elon Musk's criticism of the GOP's “Big Beautiful Bill,” which he says includes far too much government spending.The legislation contains many strong conservative provisions, but Musk says it can't be both big and beautiful and there are many areas ripe for spending reductions.Finally, they laugh at the stunning irony of Harvard firing a tenured professor for the first time in nearly 80 years because she falsified her research on dishonesty. This leads Jim and Greg down the road of other famous examples of researchers and politicians fabricating their results.Please visit our great sponsors:Fatty15 is on a mission to help you live healthier, longer.  Get an additional 15% off their 90-day subscription Starter Kit by going to https://Fatty15.com/3ML and use code 3ML at checkout. Cut through political bias with Ground News's Vantage Plan—visit https://GroundNews.com/MARTINI to get 40% off for a limited time!It's free, online, and easy to start—no strings attached. Enroll in Understanding Capitalism with Hillsdale College. Visit https://hillsdale.edu/Martini

Democrats say the White House won't share what it's doing with hundreds of federal accounts and billions of dollars already approved by Congress. Plus, the battle to be the top Democrat on the House Oversight Committee is underway. Want more in-depth daily coverage from Congress? Subscribe to our free Punchbowl News AM newsletter at punchbowl.news. Learn more about your ad choices. Visit megaphone.fm/adchoices

Labour's spending review is expected on the 11th of June, when we will find out which government departments face cuts and which costs have been ringfenced. This can set the tone for politics for months to come as it gives a clue to which priorities matter most – especially in times of fiscal restraint – and which ministers are up, and which are down. But how is a spending review conducted? How does His Majesty's Treasury balance the negotiations with those competing for its attention? And, following the leaked Angela Rayner memo, do we know which economic arguments are winning out?James Nation, formerly a SpAd at the Treasury, and then Number 10, for Rishi Sunak – now an MD at Forefront Advisers – joins James Heale to take us through the process, the personalities and the politics behind a spending review. Plus – a year on, was Rishi Sunak proven right?Produced by Patrick Gibbons. Hosted on Acast. See acast.com/privacy for more information.

Food Tank, in partnership with the Food is Medicine Institute at Tufts University, recently hosted a luncheon on Capitol Hill to uplift Food is Medicine solutions. This episode of Food Talk with Dani Nierenberg features conversations from the event where speakers discussed the public health and economic benefits of Food is Medicine programs, the opportunities to scale their impact, and the partnerships that can accelerate these efforts. Speakers include U.S. Members of Congress Vern Buchanan, Buddy Carter, Robin Kelly, Greg Murphy, and Chellie Pingree; Laura Carroll, U.S. Food and Drug Administration; Dion Dawson, Dion's Chicago Dream; Kofi Essel, Elevance Health; Erika Hanson, Center for Health Law and Policy Innovation of Harvard Law School; Herman Johnson, U.S. Army Veteran and Food is Medicine program participant; Erin Martin, FreshRx Oklahoma; Crystal McGaffee, ARH Hospital and Food is Medicine program participant; Dariush Mozaffarian, Food is Medicine Institute; Evan Sarris, Kroger Health; Pam Schwartz, Kaiser Permanente; and Dana Thomas, The Rockefeller Foundation. While you're listening, subscribe, rate, and review the show; it would mean the world to us to have your feedback. You can listen to “Food Talk with Dani Nierenberg” wherever you consume  your podcasts.

Is it time to spring clean your spending habits? On this episode of the Dentist Money Show, Jake, Will, and Taylor talk about how easy it is to accumulate unnecessary expenses and how those hidden expenses can throw off your financial plan. They discuss the importance of tracking spending, understanding the real impact of “big-ticket” items, and making sure your money reflects your values. Tune in to help bring clarity and intention to your spending habits, ultimately leading you to more freedom and better retirement planning. Book a free consultation with a CFP® advisor who only works with dentists. Get an objective financial assessment and learn how Dentist Advisors can help you live your rich life.

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After police chiefs publicly raised their concerns about budget cuts making it harder to keep us all safe, Rachel Reeves is under renewed pressure over government spending. Hugo Rifkind unpacks the politics of the day with Alice Thomson and Robert Crampton. Hosted on Acast. See acast.com/privacy for more information.

Democrats spending millions to learn how to speak to ‘American Men’ and win back the working class Please Subscribe + Rate & Review KMJ’s Afternoon Drive with Philip Teresi & E. Curtis Johnson wherever you listen! --- KMJ’s Afternoon Drive with Philip Teresi & E. Curtis Johnson is available on the KMJNOW app, Apple Podcasts, Spotify, Amazon Music or wherever else you listen. --- Philip Teresi & E. Curtis Johnson – KMJ’s Afternoon Drive Weekdays 2-6 PM Pacific on News/Talk 580 & 105.9 KMJ DriveKMJ.com | Podcast | Facebook | X | Instagram --- Everything KMJ: kmjnow.com | Streaming | Podcasts | Facebook | X | Instagram See omnystudio.com/listener for privacy information.

The Democrats are spending $20 Million to study men to help them find the "Joe Rogan" of the left.  Visit the Howie Carr Radio Network website to access columns, podcasts, and other exclusive content.

On this day ... The Golden Gate Bridge opens. This week, as we mark the anniversary of a historic Everest summit, we take a closer look at a new strategy to climb the world's tallest peak. The latest on Russia & Ukraine; Israel & Hamas, and King Charles in Canada. What To Know: What happens next with the spending bill. New recommendation on COVID-19 vaccines. Helpful Links: "All-In" Podcast Everest Climb SUPPORT OUR MISSION: Love nonpartisan news? Want a bigger serving of the serious headlines?  Here's how you can become a SCOOP insider: https://www.scoop.smarthernews.com/get-the-inside-scoop/    Shop our gear!  Instagram: https://www.instagram.com/smarthernews/  Website: https://smarthernews.com/  YouTube Channel: https://www.youtube.com/smarthernews 

Whether to buy a house or go to college are major financial decisions, but so is deciding when to take Social Security.It's true—tens of thousands of dollars, if not more, are on the line when deciding when to start Social Security benefits. Eddie Holland joins us today to help make the decision easier.Eddie Holland is a Senior Private Wealth Advisor and partner of Blue Trust in Greenville, South Carolina. He's also a CPA, a Certified Financial Planner (CFP®), and a Certified Kingdom Advisor (CKA®).A Common Recommendation—But Not a One-Size-Fits-AllWhen it comes to retirement, one of the most common questions people ask is: When should I start taking Social Security benefits? It's a vital decision that affects not only your income but also your long-term financial strategy and even your legacy.It's generally recommended to wait until at least full retirement age (66 or 67), but that doesn't mean it's the best choice for everyone. While delaying Social Security allows your benefits to grow up to 8% annually after full retirement age, thanks to what's called a delayed retirement credit, we must remember that each situation is unique.Six Key Factors to ConsiderHere are several factors that should guide your decision:1. Reduction vs. Growth of BenefitsTaking Social Security early reduces benefits. Delaying past full retirement age increases benefits. That tradeoff is foundational to your strategy.2. Cash Flow NeedsIf you retire before full retirement age and need income, you might begin drawing Social Security early to meet immediate needs. Some people may need to pay off debt or cover living expenses.3. Charitable Giving GoalsInterestingly, some retirees choose to take Social Security early in order to increase their generosity. Some people start taking benefits specifically to give more, either during retirement or as part of a legacy plan. 4. Health and LongevityYour health and family history play a significant role. If you don't expect to live well into your 80s or 90s, you might opt to draw earlier. But if you're healthy and expect a longer life, delaying could offer more value over time.5. Legacy and InheritanceYou can't leave your Social Security benefits to heirs, but you can leave your investment portfolio. This means some people opt to draw Social Security sooner in order to preserve their portfolio for giving or inheritance purposes.6. Tax PlanningSocial Security benefits can be taxable depending on your income. Some people delay benefits until a year they anticipate being in a lower tax bracket, strategically minimizing the tax impact.A Bonus Strategy: The “Mulligan”In some cases, there is a lesser-known but potentially powerful option: the withdrawal application.If you start taking Social Security before full retirement age and change your mind within the first 12 months, you can actually ‘undo' it.” You'll need to repay the benefits you received, but the Social Security Administration treats it as if you never started. You then have the option to restart at a later date, potentially at a higher benefit.This strategy can be especially useful during periods of market volatility when withdrawing from your investment portfolio might not be ideal.The Bottom LineThere's no universal right age at which to begin drawing Social Security. It really depends on your personal situation—your income needs, health, tax strategy, and goals for generosity and legacy.Wise financial planning starts with understanding your options and aligning those choices with your values and calling.On Today's Program, Rob Answers Listener Questions:How much is enough? My wife and I have 10 properties, including the one we live in. Because of COVID and a flood, I've been rehabbing them for the last few years. My wife is 71 and still working, and I'm wondering if we should continue fixing them up to maximize profit, or we should just hold them as they are, even if we get less money.I'm near retirement with $2 million saved and a good pension. Should I spend $3,300-$7,600 on a $20,000 term life policy, or is it unnecessary given my financial situation?I have assets but don't work. Can I gift my RMD to my church and not have it counted on my income tax for 2026?I'm taking early retirement from the government, and I'm wondering about what to do with my thrift savings.Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Social Security Administration (SSA.gov)Blue TrustWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Feel like you can't hold on to money no matter how much you make?Always overgiving, overdelivering, and over it?

Tariffs and stock market movements remained top of mind for consumers in May. The Expectations Index—based on consumers' short-term outlook for income, business, and labor market conditions—showed modest improvement overall. Expectations for business conditions and the labor market inched up but stayed in pessimistic territory. The key bright spot was income expectations, which moved into positive territory, supported by a stronger stock market and early signs of progress on a trade deal with China.    Dana Peterson, Chief Economist and Leader of the Economy, Strategy & Finance Center at The Conference Board, sits down with Stephanie Guichard, Senior Economist, Global Indicators, and Erik Lundh, Senior Global Economist, to discuss the outlook for the US GDP, whether consumers are worried about a recession, and how the Fed might handle the current uncertainty.    00:38 Consumer Confidence in May   01:34 Impact of Tariffs and Financial Markets   04:08 Consumer Expectations and Spending   08:21 Inflation and Financial Concerns   13:03 Changes in US and Global Economic Forecasts   21:10 Factors Influencing Future Economic Outlook   22:46 Conclusion and Farewell  

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In Romans 2:4, Paul writes, “Do you not know that God's kindness is meant to lead you to repentance?” What a powerful reminder that even when we fail, especially when we fail, God's grace invites us back. He doesn't lead with condemnation, but with compassion.That truth has everything to do with our financial lives.Yes, God Cares About MoneyIt's easy to think God isn't concerned with something as “earthly” as money. But Scripture tells a different story. There are over 2,300 verses dealing with money and possessions. Why? Because how we handle money reveals what we value, trust, and believe about God.And just like any other area of our lives, when we fall short financially, whether through poor choices or sinful patterns, we're invited to bring those failures to the Lord in repentance.Grace for Financial FailuresWhen we confess our financial sins, we don't encounter a cold, condemning judge. We meet a loving Father, ready to forgive and restore. No financial mistake is too big for the Cross. Christ paid for every one of them.Take Zacchaeus, for example. The chief tax collector of Jericho was known for financial exploitation. But after one encounter with Jesus in Luke 19, everything changed. His repentance was visible: He gave half his possessions to the poor and repaid those he had wronged four times over. Jesus didn't demand this—grace compelled it. Zacchaeus didn't earn salvation by generosity; his giving revealed a heart transformed by it.We're invited to that same transformation.Financial Sins Worth Repenting OfYou might be wondering, What financial sins should I bring before the Lord? Here are a few worth reflecting on:1. Forgetting God Owns It AllWe are stewards, not owners. Deuteronomy 8:18 reminds us that God gives us the ability to produce wealth. When we forget that, we risk idolizing what we've earned instead of worshiping the One who provides.2. Dishonesty in Financial DealingsCutting corners, misrepresenting the truth, or taking advantage of others damages our witness. As Paul writes in 2 Corinthians 8:21, “We aim at what is honorable not only in the Lord's sight but also in the sight of man.”3. Withholding GenerosityProverbs 11:24 warns that stinginess can actually lead to lack. A lack of generosity can reveal misplaced trust in wealth instead of God.4. Neglecting Diligent WorkWork isn't a punishment—it's a calling. Proverbs 14:23 says, “In all toil there is profit.” Laziness, or lack of engagement with our work, hinders our ability to live out God's purposes.5. Living Beyond Our MeansChronic overspending leads to stress and debt. Proverbs 22:7 says, “The borrower is slave to the lender.” Contentment honors God's provision.6. Coveting Others' WealthEnvy skews our perspective and sows discontentment. Exodus 20:17 calls us to guard our hearts from coveting what others have.Repentance That Leads to RestorationIf any of these hit close to home, remember this: conviction is not the same as condemnation. The goal of repentance is restoration, not shame. God is not asking for perfection—He's asking for surrender.When we confess, He forgives. And in His kindness, He leads us into new patterns of faithfulness marked by integrity, generosity, and wisdom.So wherever you are today—whether gathered with family, enjoying the day off, or reflecting quietly—take a moment to consider how God's kindness might be calling you back in your financial life.Ask Him to search your heart. Repent of anything that's not aligned with His will. And trust that He will meet you with mercy and guide you forward in grace. Because when we place even our financial story in His hands, it becomes a testimony of His faithfulness.And that, friend, is true freedom.On Today's Program, Rob Answers Listener Questions:I want to know how to invest my Roth IRA funds. I have a large account with a private custodian in a checkbook LLC, and right now it's just sitting in a bank account, which is shrinking because of inflation. I just want to keep up with inflation. I'm 70 years old and want to invest $30,000 wisely. After financial challenges, I want to create a safety net for my family and 15 grandkids. I don't know much about investing and need advice on what to do with my money.Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Schwab Intelligent Portfolios | BettermentSound Mind Investing (SMI)Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Just as Ereb Rosh Hashanah is a time for a person to repent for all his sins, Ereb Shabuot is a time to repent for the specific sin of failing to show proper respect to Torah, and neglecting its study. The holy books teach that on Shabuot we are judged with regard to our dedication to and respect for Torah, and thus on Ereb Shabuot we must reflect upon commitment to learning and repent for not respecting it properly. At all times we should beg Hashem to forgive us for not committing ourselves sufficiently to learning, but this is especially vital on Ereb Shabuot, as we prepare for our judgment. Moreover, every person should personally involve himself in the Yom Tob preparations. Even if somebody normally does not personally make preparations for Shabbat or holidays, one should make a point of making preparations for Shabuot, such as by shopping and the like. Personal involvement shows respect and honor for the Yom Tob, which celebrates Matan Torah, and it thus serves as a Tikkun (rectification) of the sin of failing to properly respect the Torah. As one makes the preparations he must have in mind that he does so for the purpose of rectifying the sin of "Zilzulah Shel Torah" (neglecting the Torah). Likewise, one should purchase the finest foods and wines for the holiday of Shabuot, without being concerned about the costs entailed. Spending money for the Shabuot celebration is a demonstration of honor for the Torah, and if one does so with the intention of achieving a Tikkun for his neglect of Torah study, then he will be rewarded. One should make a point on Ereb Shabuot to invite poor people to his home for the Shabuot feast, as the Yom Tob celebration must be shared with the less fortunate. Our Sages teach that one who rejoices and celebrates on the holidays but does not share what he has with the poor is "despised and distanced" by Hashem. G-d visits the poor on Yom Tob, as it were, and if He sees poor people without food for the holiday without others helping them, He gets angry, and this leads to punishment, Heaven forbid. And thus before every holiday, one should ensure to give charity to enable the poor to properly celebrate. On Ereb Shabuot, in particular, there is a custom to set aside 104 coins for charity to be given to needy Torah scholars. Summary: On Ereb Shabuot, one should repent for failing to properly respect the Torah and devoting enough time to its study. As part of this process of repentance, one should personally involve himself in the Yom Tob preparations, and spend money for the finest foods and beverages, thus giving honor to the Torah. One must give charity to the poor before Shabuot to enable them to celebrate the Yom Tob.

Truth Be Told with Booker Scott – I examine how the House and Senate clash over Trump's flagship tax cut extension, splitting border security and permanence in competing bills. After a narrow 215-214 House approval, the ‘Big Beautiful Bill' moves to the Senate, where partisan amendments reshape spending cuts and the debt ceiling. I explore the looming battle as senators and representatives brace for renewed legislative handoffs.

Do you really need to spend a lot of money to flex? What happened to making your dollar stretch or looking good on a budget? Those days seem to be gone. Tune in while we discuss it. 

Marcus Ericsson is the 2022 Indianapolis 500 winner. He came to the NTT INDYCAR SERIES from Formula One. Spending most of his career stateside at Chip Ganassi Racing, Ericsson scored multiple wins for the team, of course, none bigger than Indy. He joined the Andretti Global team in 2024 and in the first race at St. Pete he qualified in the Firestone Fast Six. We caught up with Ericsson at the following Acura Grand Prix of Long Beach media luncheon where he would earn a fifth place finish. He talks about what happened at St. Pete, hybrid testing, and getting back to the Speedway. A humble and friendly guy, this driver is really good on street circuits and at the Brickyard. He'll be aiming for his second win at Indy in just over a week. Enjoy!

May 23, 2025 - Season 15, Episode 137 of The Terrible Podcast is now in the can. In this Friday morning episode, Alex Kozora and I get right into talking about the latest news concerning the Pittsburgh Steelers and that includes the team signing rookie DT Derrick Harmon, the team's first round draft selection this year, to his rookie contract. Alex and I discuss the Steelers signing G Nick Broeker this week and the signing bonuses the team gave to their 10 undrafted free agents as well. Steelers president Art Rooney II recently made a small comment about the team waiting a little longer to get a decision from veteran free agent QB Aaron Rodgers, so we make sure to parse that. We also discuss a little quote from Rodgers during a recent long interview he had with Joe Rogan. Indianapolis Colts owner Jim Irsay passed away a few days ago so we pay our respects to him during this show. The Tush Push is now staying around for at least one more season, so Alex and I discuss that news and the league's recent vote on possibly banning it. We discuss how that play impacts the Steelers moving forward into 2025 and if they should practice it and utilize it more. With Harmon now signed, I pass along a Steelers 2025 salary update and what it might mean for the team moving forward into the offseason. Alex and I also have an extraordinarily long discussion about where the Steelers now sit currently from a cash spending perspective for 2025. We talk about how the team should be expected to spend around $40 million more in cash this offseason and why. Alex and I also talk about how the Steelers have drafted as of late and the impact that has on their cash spending for this three-year phase, which ends in 2026. This 117-minute episode also discusses several other minor topics not noted in the recap. We end this show by answering several emails we received from listeners of the show. steelersdepot.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Swan Signal Live – Episode Recap (May 17, 2025)Title: “All-Time High Week: Bitcoin Blasts to $111K, LBE Stocks Surge, and the Debt Train Rolls On”Guests: Brady Swenson, Alex Stanczyk, Steven Lubka, John Haar (Swan Private)

They say that crisis reveals character, and for a brief moment, the pandemic revealed surprising financial resilience.Many Americans experienced a rare financial reset during that season, as savings rose and debt declined. But five years later, much of that progress has unraveled. Dr. Shane Enete joins us to unpack what changed—and how believers can respond faithfully in a culture gripped by renewed financial anxiety.Dr. Shane Enete is an Associate Professor of Finance at Biola University and founded the Biola Center for Financial Planning. He is also the author of the book Whole Heart Finances: A Jesus-Centered Guide to Managing Your Money with Joy.The Unexpected Silver Lining of the PandemicWhen the COVID-19 pandemic brought life to a standstill, something surprising happened with our money. Instead of overspending, many Americans buckled down.Research from the Federal Reserve Bank of Boston and the U.S. Government Accountability Office showed that people used pandemic stimulus checks to reduce credit card balances and cut spending. Simultaneously, emergency fund levels rose to 20-year highs.With fewer opportunities to spend and greater economic vulnerability, people embraced margin, paid down debt, and began saving like never before. It was a rare moment of collective financial wisdom.The Return to Old HabitsBut that moment didn't last.Fast-forward to today, and the picture looks far less encouraging. Credit card debt has now surpassed $1 trillion, and six in ten Americans are uncomfortable with their emergency savings, up from just 37% before the pandemic.The decline in financial well-being is measurable. According to the CFPB's 2024 Making Ends Meet survey, the average financial well-being score dropped from 55 to 49. This score reflects how confident households feel about meeting basic expenses, like paying bills and putting food on the table.Even more concerning: over one in three Americans now carry more credit card debt than they have saved. And 42% say they couldn't go even one month without income before falling behind.Why It Matters for ChristiansSo, what's going on? Why the backslide? The answer lies not just in behavior but also in belief.Fear takes over when Jesus isn't present in our financial decisions. We start believing that we have to carry the full weight of financial responsibility. But Scripture reminds us that we have a good Father and a faithful Shepherd who provides for His children.As believers, we're called to live differently—to manage God's resources with wisdom, margin, and generosity. This begins with a mindset shift from ownership to stewardship.Many people dread the word “budget”, but we should really see this through a new lens. If budgeting is about tracking God's provision—your daily bread, your shelter, your gas money—then it becomes an act of gratitude. It's a moment to declare God's goodness.”By embracing this spiritual practice, we open a line of communication with the Lord about our finances. Budgeting isn't just math. It's discipleship.Your Next Step Toward StewardshipWhere do you begin if you want to live this way?Start simple and track your spending. Shine a light on your habits without judgment. What you illuminate can be transformed. Ephesians 5:13 says, “But everything exposed by the light becomes visible—and everything that is illuminated becomes a light.”Using tools like the FaithFi app can help you begin this journey. And remember, you don't have to walk it alone.Living within your means, avoiding debt, and giving generously stand out in a culture of consumption. They testify to the Spirit's work in our lives, especially the fruit of self-control.When believers manage money wisely, they display a beautiful trait of the Holy Spirit. They model a life that's free, sustainable, and others-focused—the kind of financial light the world desperately needs.To read Dr. Enete's full article in the latest issue of our quarterly magazine, Faithful Steward, become a FaithFi Partner today with a gift of $35 a month or $400 a year. Just visit FaithFi.com/Partner to join.On Today's Program, Rob Answers Listener Questions:My mother, who's in her 90s, is going to be selling my house, which I've owned for over 30 years. It looks like the sale may exceed the $250,000 capital gains exemption. If the profit goes over by, say, $20,000, what happens? How is that taxed, and how soon would she have to address it after the sale?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Heart for LebanonWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Send us a textIn this episode, we are joined by Erica Bennett (your favorite Crazy Ex-Wife), a global training guru, success architect, and a woman obsessed with helping you rewire the fear that is holding you back. As her community insinuates,  Erica specializes in helping divorced women navigate their healing journey from personal experience. With over 20 years of training and coaching, Erica brings her blend of “woo and do” to help you line up with your desires and take action for your success.She shares her personal journey from a high-powered corporate career into the deep (and sometimes messy) world of emotional healing, money fears, and finding strength in community. Erica gets real about what it means to build emotional resilience and take back control of your financial life, especially when everything feels uncertain.She also shares the story behind The Crazy Ex-Wives Club, a wildly supportive online space that offers healing, curated gifts, and community for women navigating divorce. If you've ever felt like you're starting over, this episode will remind you that you're not alone, and there are tools, resources, and people who've got your back.Are you ready to take the next step? Join our weekly Money Talks series every Thursday at 11am CT! Register for FREE to gain access to our weekly sessions where Purse Strings-approved professionals discuss various financial topics. Click here to register now and bring your questions!Got a unique financial story to share? Whether it's about crushing debt, building wealth, an unexpected windfall, or just a wild money moment, we want to hear it!  Or are you a professional who helps women with money? If you're a financial coach, attorney, CPA, or work in any area that empowers women financially, we'd love to hear from you too! Your story could inspire our community of women. Fill out our intake form here!Follow & connect with Erica!Website FacebookInstagramLinkedInPodcastConnect with us! Facebook Page Facebook group Instagram TikTok LinkedIn YouTube Resources Have questions? Click this to check out our expert Q&A for tips from industry experts, tailored to help women address their most common financial concerns. Subscribe to our newsletter to receive financial tips delivered weekly here! Explore our free guides to help you on your financial journey

A newly released "Year in Hate" report identifies seven hate groups in Mississippi.Then, members of the US House of Representatives passed a major spending bill yesterday. Policy analysts in Mississippi say most changes won't apply to the state.Plus, did you know Columbus, Mississippi is the home of Memorial Day? We speak with a local expert about the origins of the national holiday. Hosted on Acast. See acast.com/privacy for more information.

In the states we know how to multi-task way too much. In Italy, wasting time is an art. Spending time with friends is a gift. Lingering at lunch is pure joy. Listen to why I still wish wasting time was in my every day life. Follow me and my writings on Substack hereBe the first to know about my Travel Experiences in Tuscany & Sardinia hereHope to see you on one of my trips soon! :)

Want to grow faster without hiring expensive consultants? In this episode, I share 3 exact ChatGPT prompts I personally use to clarify my brand, create scroll-stopping copy, and boost conversions. These prompts have helped me refine Glōci's messaging, set better goals, and lock in marketing that works. Tune in to find out how to get these prompts copied and pasted straight to your DMs! Check out our Sponsors: Brevo - Meet the all-in-one marketing and CRM platform for your business. Get started free or save 50% for 3 months with code HAPPY at brevo.com/happy Airbnb - Start making money by listing your home on Airbnb with an experienced Co-host, find a co-host at airbnb.com/host Shopify - Try the ecommerce platform I trust for Glōci, Sign up for your $1/month trial period at shopify.com/happy The RealReal - Buy and sell luxury clothing, bags, and more on The RealReal. Get $25 off your first purchase when you go to therealreal.com/happy HIGHLIGHTS The biggest glōci sale of the year!  The 3 exact prompts I use to clarify my brands and grow faster. How I rewrite taglines and elevator pitches using ChatGPT. The copywriting prompt I use for scroll-stopping hooks and headlines. Why opt-ins matter more than ever in a post-algorithm world. RESOURCES Join the most supportive mastermind on the internet HERE! Check out our FREE 90-Day Business Blueprint HERE! Listen to my free SECRET PODCASTS SERIES - Operation: Rekindle This B*tch Get glōci HERE Use code: HAPPY at checkout for 25% off! FOLLOW Follow me: @loriharder Follow glōci: @getgloci

This morning, the House passed a spending bill after many long late nights of negotiations. Now it moves on to the Senate.On Today's Show:U.S. Senator Kirsten Gillibrand (D-NY) talks about her work in Washington, and her view of the Trump and GOP budget proposal.

On today's show we are talking about the risk premium being attached to US sovereign debt and how this has the potential to destabilize real estate markets for all US investors. We are accustomed to thinking that the Fed sets the interest rate. But the truth is that the Fed only sets one interest rate. That is the Fed Funds rate that banks use to lend to each other. The downgrade of the US debt by Moody's debt rating agency last Friday was a reflection of the government's persistent failure to adopt measures that would “reverse the trend of large annual fiscal deficits and growing interest costs.” Moody's was the third bond rating agency to downgrade the US sovereign debt after S&P and Fitch downgraded the US debt in August of 2023. It's not the downgrade per se that is the problem. The market makes its own determination and does not just look at what the bond rating agencies have to say.Spending is heading higher, regardless of who is in the White House. The demographic impact on entitlement programs is unavoidable. The population is aging and when the social security program was launched, there were 16.5 people in the workforce for every one person collecting benefits. Today there are 2.71 people in the workforce for every one person collecting benefits. By the mid 2030's, that number is expected to fall to 2.3 people working for every one person collecting. The math doesn't fund the liabilities. The current White House was elected on the promise of the economy and of fiscal responsibility. The latest budget bill that had wound its way through the Congress shows an increase in spending and a widening budget deficit. Despite desires to cut government waste and abuse, the impact seems somewhat muted. The bond market is clearly seeing significant risk to the ballooning US sovereign debt. This week's auction in new US Treasuries did not go well. The appetite for new paper from the US government was muted and the price that was bid for the 30 year was so low that the yield on the 30 year is now above 5%. The 30 year Treasury is a long denomination bond and its yield moves very slowly. To have the price for that bond drop so sharply in a matter of days has definitely rattled markets. ------------**Real Estate Espresso Podcast:** Spotify: [The Real Estate Espresso Podcast](https://open.spotify.com/show/3GvtwRmTq4r3es8cbw8jW0?si=c75ea506a6694ef1)   iTunes: [The Real Estate Espresso Podcast](https://podcasts.apple.com/ca/podcast/the-real-estate-espresso-podcast/id1340482613)   Website: [www.victorjm.com](http://www.victorjm.com)   LinkedIn: [Victor Menasce](http://www.linkedin.com/in/vmenasce)   YouTube: [The Real Estate Espresso Podcast](http://www.youtube.com/@victorjmenasce6734)   Facebook: [www.facebook.com/realestateespresso](http://www.facebook.com/realestateespresso)   Email: [podcast@victorjm.com](mailto:podcast@victorjm.com)  **Y Street Capital:** Website: [www.ystreetcapital.com](http://www.ystreetcapital.com)   Facebook: [www.facebook.com/YStreetCapital](https://www.facebook.com/YStreetCapital)   Instagram: [@ystreetcapital](http://www.instagram.com/ystreetcapital)  

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“Learn to do good; seek justice, correct oppression; bring justice to the fatherless…” - Isaiah 1:17As believers, we're called to defend the powerless and stand up for those who can't stand for themselves. Right now, few places need that more than Lebanon, especially for its girls and young women. Today, Jack Hibbard is with us to share compelling stories of hope—and how you can be a part of this important mission. Jack Hibbard has been a passionate advocate for Heart for Lebanon for many years and previously served on the organization's board of directors.A Hidden Crisis for Girls in LebanonWhile global headlines often focus on Lebanon's war-torn landscape and economic collapse, an even deeper crisis is affecting the most vulnerable: young women and girls. Heart for Lebanon is responding to this crisis with bold, gospel-centered compassion, providing protection from human trafficking, early marriage, child labor, and violence.In refugee and impoverished communities, early marriage, domestic abuse, and forced labor are tragically common. One mother, now divorced with four children, shared how her own 14-year-old daughter was forced into marriage to escape abuse, only to find more of the same. In the midst of this pain, the light of the gospel is breaking through.Through Hope Centers, literacy programs, counseling, and discipleship, Heart for Lebanon offers girls a safe place to learn, heal, and flourish. They're helping young women understand who they are in Christ, not as tools or burdens, but as daughters of the King.One 5th-grade girl, forced to labor after school for just $20 a week, broke down in tears when a staff member shared her worth in Jesus' eyes. She had believed she only existed to serve others. But that day, she gave her life to Christ, choosing to walk in His light, despite the darkness around her.You Can Help Right NowWhen girls discover their God-given dignity and worth, it changes everything. The gospel doesn't just rescue—it prevents trafficking, early marriage, and abuse. It restores what the world has tried to steal.As believers, we have a chance to participate in this redemptive work. Every gift of $114 helps protect three at-risk girls from early marriage, child labor, and violence, while introducing them to the love of Jesus.When we loosen our grip on money, we loosen the grip of money on our hearts. Giving doesn't just bless others—it deepens our trust in God and draws us closer to Him.That's the vision behind our quarterly ministry partnership with organizations like Heart for Lebanon. Together, we're trusting God to help us reach 500 girls and young women in Lebanon with protection and hope.Join us in this life-saving mission. To give:Text FAITH to 98656Visit: FaithFi.com/LebanonEvery gift makes an eternal impact—rescuing girls, restoring dignity, and proclaiming the gospel in one of the world's most challenging places. Let's be faithful stewards together.On Today's Program, Rob Answers Listener Questions:I'm 75 and have two retirement accounts I'm not sure what to do with. One is a TSP from my military retirement with just under $5,000. The other is a New York Life annuity worth about $50,000, but it's only earning 2%. Should I move it into an indexed annuity or keep taking the RMDs as is?My wife passed away just two weeks ago, and I'm overwhelmed. She handled our finances; I haven't paid a bill in 25 years. We tried reaching out to a Certified Kingdom Advisor before she passed, but didn't have much success. I don't have a budget, and honestly, I don't know where to begin. I need help.Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Heart for LebanonWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

On today's episode, we're joined by Chris Havey, Partner at Meridian Compensation Partners, LLC. Chris shares practical strategies for maximizing the value of Q2 and Q3 compensation committee meetings. With fewer urgent agenda items in the off season, these months present a valuable opportunity for committees to assess, test and refine their executive compensation programs. Chris outlines five key areas where thoughtful evaluation and preparation can significantly improve year-round decision-making.Key Takeaways:(02:26) Use lighter meeting agendas to focus on strategic priorities.(06:20) Revisit compensation philosophy and its connection to guiding principles.(06:48) Assess whether performance outcomes reflect compensation payouts.(08:53) Conduct benchmarking to identify alignment or deviation from market trends.(10:16) Review potential liabilities and risks across compensation programs.(13:21) Improve proxy clarity and ensure messaging aligns with pay practices.(14:36) Use compensation design to support investor relations.(15:05) Incorporate shareholder feedback into future planning.Resources Mentioned:Chris Haveyhttps://www.linkedin.com/in/chris-havey-12a5118/Meridian Compensation Partners, LLChttps://www.linkedin.com/company/meridian-compensation-partners-llc/This episode is brought to you by Meridian Compensation Partners, LLC. Learn more by visiting MeridianCP.com. #Compensation #Wages #SPAC #Equity #ExecutiveCompensation #Clawback

~歌詞は以下です~駐車場のネコはアクビをしながら　今日も一日を過ごしてゆくCat in the parking lot yawns everyday, Spending time with the sun being warm and cozyI see a yawning cat in the parking lot everyday何も変わらない穏やかな街並Nothing ever happens in this quiet town that I love the mostみんな夏が来たって浮かれ気分なのに　君は一人さえない顔してるネWe're all over the moon cuz summers out here. bored face is what I see from here in the crowdそうだ君に見せたいものがあるんだI know a little trick so that I can see your cute smile on your face大きな五時半の夕やけ　子供の頃と同じようにJust like when we were 10 in our hometown back then, 5:30 was our time with sunset as our background海も空も雲も僕等でさえも　染めていくから･･･The ocean, sky above—you and me within. Calm flow like a wave.この長い長い下り坂を君を自転車の後ろに乗せてGo down down a hill with you on my back your hair dancing in the breeze around my neckブレーキいっぱい握りしめて　ゆっくりゆっくり下ってくBrake makes us stop quickly Slowly Slowly go down.▼留学費用が一発で分かる公式LINEは▼https://bit.ly/4gPlWbZ■Podcastの感想やリクエストはInstagramのDMまで！⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.instagram.com/studyin.jp

Jim is back and opens Wednesday's 3 Martini Lunch by sharing the saga of a big oak tree that landed on his house over the weekend—and who he blames for it. Then Jim and Greg dig into a victory for free speech and common sense at the U.S. Supreme Court, the good and the frustrating parts of the GOP's Big Beautiful Bill, and more insight on who was really running the country while Biden was supposedly president.First, after Jim details the unnerving tree incident, they cheer the U.S. Supreme Court for ending the punishment aimed at Maine state lawmaker Laurel Libby. Democrats barred her from debating or voting after she posted a photo of a male athlete winning a girls' sporting event on Facebook. But while the court got it right, Jim explains why he's still alarmed by the verdict.Next, they dig into the good, the bad, and the uncertainty surrounding the GOP's Big Beautiful Bill to make the 2017 Trump tax cuts permanent and add many other provisions. There is a lot to like in the bill but there is also some disappointment concerning the tax code and what blue state Republicans want to include before supporting the legislation.Finally, they wince as the new book on Joe Biden's cognitive decline reveals the figures who were really running the country while Biden infirmities got worse and worse. And Jim stresses that none of these supposedly breathtaking revelations are actually news. It's just that some reporters and political operatives are confirming what we already knew now that there's no political benefit to covering for Biden.Please visit our great sponsors:It's free, online, and easy to start—no strings attached. Enroll in Understanding Capitalism with Hillsdale College. Visit https://hillsdale.edu/MartiniThis podcast is sponsored by BetterHelp. We're all better with help. Visit https://BetterHelp.com/3ML to get 10% off your first month.

Today we chat with one of our best buddies, Bunny Snipes. Bunny is an incredible guy who pours himself into dogs, hunting and fishing and especially, Bobwhite Quail. As the Lowcountry Chapter President of Quail Forever down in Charleston, he works closely with land owners, farmers, hunters and anyone who wants to bring back some southern quail. What's the best part about Bunny? He puts all of his work into action on his own family's property and works with surrounding farms and get this..... it works. Here's a few highlights from the show: Spending your days working and running dogs Being a conservation-minded guy year-round, not just during the hunting season, and how others can do the same Doodlefest should be a national holiday Quail Forever and the South Carolina Bobwhite Initiative are worth supporting. Bunny knows how to put on a chapter event like no other. Support the Lone Duck Podcast | patreon.com/loneduckoutfitters Follow us on social media | Youtube and Instagram Use Promo Code | LDGD15 to save 15% on Marshwear Clothing Use Promo Code | LD10 to save 10% on Trulock Chokes Learn more about your ad choices. Visit megaphone.fm/adchoices

Chris's Summary:Jim and I are joined again this week by Kevin Sebesta from the Rock Retirement Club in this EDU episode. We explore what helps retirees start spending confidently—especially when markets are volatile or the saver mindset is hard to shake. Kevin shares how structure, support, and community all play a role, and why building confidence […] The post Spending Confidently in Retirement with Kevin Sebesta: EDU #2521 appeared first on The Retirement and IRA Show.

The Show Presents: Full Show on Demand May 21, 2025

In this explosive segment, the hosts dissect two major stories shaking the political and cultural landscape. First, they cover the Supreme Court's critical 7-2 decision to uphold free speech after Maine legislator Laura Libby was censured and stripped of her voting rights for naming a transgender athlete—information already publicized by the media. The case raises alarming concerns over silencing dissent, especially when it involves defending women's rights in sports. Then, the discussion pivots to Washington's out-of-control spending, revealing $852 billion still allocated to the Green New Deal through 2035 despite Republican promises to cut it. As U.S. credit ratings hit historic downgrades and national debt balloons toward $47 trillion, the hosts argue that true conservatism is vanishing—replaced by bipartisan budget bloat and economic denial. A must-listen for anyone concerned about free speech, fiscal sanity, and the future of the republic.

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00:00 - Ennui and another TylerWe know that you come here for philosophical insight and existential explanations, so today we're discussion ennui. Tyler shares… tries to share about this state of listlss… listsles… listlessness and dissatisfaction.After this fun, we welcome our new vocal presence, Tyler Cook. Tyler shares about the secret to connecting with Zoomers. It's all about tier lists and brackets. So today we're going to do a tourney bracket.05:23 - The bracketToday we're exploring niches. We don't want to share any spoilers here in the notes, but here are some opinions that are shared as we process this competition. Concrete is tough.Drywall corners are hard.Flooring is not comfortable work.Spending your day staring upward will do a number on your neck.We don't want to fall off a roof.Dooky's not fun.OSHA keeps telling us not to touch a live wire.Demolition is fun for 30 minutes.Eddie is confident that he's done with roofing.Welding sometimes happens in really dangerous places.If you're interested in jumping straight to some specific first-round debates:6:06 - Carpentry vs. masonry7:40 - Drywall vs. concrete 10:20 - Ceiling vs. flooring16:01 - Roofing vs. HVAC23:37 - Landscaping vs. painting24:48 - Electrical vs. excavation 30:44 - Glass installation vs. demolition33:21 - Semifinals39:15 - FinalsThe takeaway from this process? Man, tradespeople do some tough stuff. Check out the partners that make our show possible.Find Us Online: BrosPodcast.com - LinkedIn - Youtube - Instagram - Facebook - TikTok - Eddie's LinkedIn - Tyler's LinkedInIf you enjoy the podcast, please rate us on Apple Podcasts, Spotify, or wherever you listen to us! Thanks for listening!

“Take care, and be on your guard against all covetousness, for one's life does not consist in the abundance of his possessions.” — Luke 12:15In an age of instant gratification, getting what we want has never been easier, even if we can't afford it. But as “Buy Now, Pay Later” (BNPL) services become increasingly popular, they're quietly reshaping our relationship with money, debt, and even contentment. Let's explore how these programs work, why they're spiritually and financially dangerous, and how Scripture invites us into a better way.What Is Buy Now, Pay Later?Originally used for large purchases like furniture or electronics, BNPL services now allow consumers to split nearly any purchase into multiple payments—even cheeseburgers. DoorDash, for example, lets customers finance their food in four installments. The convenience may seem harmless, but it can mask deeper issues.Companies like Klarna, Afterpay, Affirm, Zip, Sezzle, and PayPal offer these options at checkout. According to Experian, more than 80% of U.S. shoppers have used BNPL. The ease is attractive, but the long-term impact can be devastating.BNPL makes it seem like you're not going into debt, but that's exactly what's happening. Small recurring payments across multiple platforms add up fast, leading to overdraft fees, financial stress, and, in many cases, high interest rates—some as high as 36% for missed or extended payments.A $60 DoorDash meal split into four $15 payments doesn't seem bad—until you do it for every meal. Or take a $3,000 couch bought with a BNPL plan: one missed payment, and that couch could ultimately cost $8,000 due to fees and interest.Scripture's Warnings About DebtThe Bible doesn't shy away from warning us about the dangers of debt. Proverbs 22:7 tells us, “The borrower is the slave of the lender.” Debt isn't just a financial issue—it can become an emotional and spiritual burden, dividing our attention and devotion.In Luke 12:15, Jesus reminds us that “life does not consist in the abundance of possessions.” Yet BNPL feeds the lie that more stuff equals more satisfaction. Instead of trusting God to provide, we try to manufacture comfort and control through impulsive spending.Why are we tempted to buy now and pay later? Often, it's not out of need, but out of insecurity, impatience, or discontentment. Paul models a better path in Philippians 4:11–13: “I have learned in whatever situation I am to be content...I can do all things through him who strengthens me.”True contentment doesn't come from a checkout screen—it comes from trusting the Lord to provide, even when the budget feels tight.A Better Way: Practical and Spiritual WisdomSo, how do we resist the pull of BNPL and grow in godly contentment?Practically:Build margin. Save up for purchases ahead of time.Budget for “wants.” Use a separate category or envelope system.Set spending limits. Use cash or debit card to help avoid overspending.Spiritually:Examine your heart. Ask: Am I trusting God, or just trying to feel better?Pursue contentment. Let God define your enough.Practice gratitude. Train your heart to see God's provision in what you already have.Freedom to Live GenerouslySaying no to unnecessary debt frees us to say yes to generosity. When we live with open hands and open hearts, we reflect the freedom we have in Christ—freedom from striving, fear, and scarcity. And that's far better than four easy payments.So next time you see a “Pay in 4” button, pause. Ask yourself: Do I really need this? Can I pay for it in full? And does this reflect trust in God, or just in a payment plan?Wise stewardship begins with contentment, and contentment begins with Christ.On Today's Program, Rob Answers Listener Questions:My husband and I are sending our son on a five-week mission trip to Scotland. We're debt-free and want our kids to stay that way. I'm hesitant to open a credit card, but what's the best, safest way to give him access to money while he's overseas?We recently sold our home at a profit, bought a new one, and are now debt-free. However, the new home needs repairs, and we still have a mortgage. Should we tithe on the profit from the home sale, or use those funds for the house needs?I'm a recently retired teacher with two annuities—one worth $19,000 and the other about $13,000. I've just opened an IRA and wonder if I should roll the annuities into it, or if there might be a better strategy.I've inherited a large amount of cash-valued property and need guidance on how to manage it wisely, especially to minimize potential tax liability.We paid off our home in October 2024. Do we need the deed and title to protect ourselves from fraud, or is it handled automatically?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Christian Credit CounselorsWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Episode 4498: Trump Heads To The Capitol; Calling Out Hypocritical Spending

The FIRE Calc is your personal roadmap to financial independence—helping you plan, project, and achieve your early retirement goals with confidence. This is the exact same spreadsheet I used to map out my journey to FI, test different paths, and confidently walk away from my job when the numbers aligned. Unlike basic FV (Future Value) calculators, the FIRE Calc lets you model your financial journey year by year, factoring in: Income changes (career shifts, side hustles, salary jumps) Spending adjustments (cutbacks, lifestyle inflation) Taking a sabbatical or career break Debt payoff & investment growth strategies Life isn't one-size-fits-all—and neither should your FI plan be. The FIRE Calc is a customizable, interactive Google Sheet that lets you map out your FI journey year by year. Learn more at https://journeytolaunch.com/firecalc and don't miss out on our LIVE workshop on May 22!

Plus: Tesla's CFO is the highest paid in modern recordkeeping. Meanwhile, Honda plans to scale back its electric-vehicle investment. And Google unveils new “AI Mode” search to take on AI chatbots. Victoria Craig hosts. Learn more about your ad choices. Visit megaphone.fm/adchoices

(3:00) Softball surges into Super Regionals after knocking off Auburn(11:00) Corey has a thought or two on catchers with the yips(19:00) Baseball shrinks in biggest moment to date but no panic(35:00) What to do at catcher and DH?(45:00) The monthly SEC vs B1G debate!(58:00) Mike Norvell having to find himself arguing against his own cause?(1:02:00) Golf wins regionals, heads to nationalsMusic: Alkaline Trio - Hot For Preachervitaminenergy.com | Shake it and take it!Memorial Day Sale UP TO 40% off right now by going to https://www.Ridge.com/WAKEUP #Ridgepod 

Episode 4493: Biden's Admission Could Lead To Criminal Charges; Spending Spirals Out Of Control