Podcasts about spending

On this episode of The Federalist Radio Hour, Grover Norquist, president of Americans for Tax Reform, joins Federalist Senior Elections Correspondent Matt Kittle to discuss the history of the partisan power struggle for the national purse and explain what Democrats got out of the latest and longest government shutdown. If you care about combating the corrupt media that continue to inflict devastating damage, please give a gift to help The Federalist do the real journalism America needs.   

After decades of saving/investing, it's hard to immediately flip a switch and go into spending mode. Spending is a skill that you should develop on your way to FI, so that you're better at it when the time comes to really do it. Here's what worked for me over the last few years! Highlights How to reframe expenses and recalibrate how you value money (e.g. College Calculation, 0.01% Rule, etc.) Why you should expect inefficiencies/waste as your net worth grows The benefits of splurge accounts and forced annual-spending targets Balancing the idea that "everything is free" with the benefits of incremental improvements The importance of prioritizing "now" over "the future", while still spending/saving for both How to give more while increasing the personal benefits of that giving

Spending the holidays at Disneyland is pure magic — but it can also be busy, overwhelming, and expensive if you don't plan ahead. In this episode, I'm walking you through everything you need to know about Holidays at Disneyland 2025 — from decorations and entertainment to crowd strategies, food, and festive must-dos.You'll learn:

It's one of the most valuable things we have—and one of the easiest to waste. We've all heard the saying, “Time is money.” But if that's true, why do we spend it so carelessly? The truth is, time is worth far more than dollars and cents—it's the most limited resource God has given us. Learning to steward it well isn't just good productivity advice—it's an act of worship.If you've ever said, “I just need a little more time,” you're not alone. Many of us feel the pressure of time slipping through our fingers. Ironically, we often spend our days chasing money, status, or success—only to run out of the very thing we were trying to “buy back.”We treat time like a renewable resource when it's really more like a savings account that's constantly being drawn down. Every hour that passes is one you'll never get back. Yet our culture tempts us to equate our worth with how much we earn or produce.A Biblical View of TimeScripture offers a radically different view. In Psalm 90:12, Moses prays, “Teach us to number our days that we may get a heart of wisdom.” He's not talking about counting hours on a clock but realizing that our time is limited—and therefore deeply valuable.From a biblical perspective, time isn't ours to manage however we wish. It's a gift from God, entrusted to us for His purposes. Just as money and talents belong to Him, so does our time.In Ephesians 5:15–16, Paul writes, “Look carefully then how you walk, not as unwise but as wise, making the best use of the time, because the days are evil.” The original Greek phrase for “making the best use” literally means “redeeming the time”—buying it back for God's glory. It's the same word Paul uses elsewhere to describe what Jesus did for us on the cross.Christ redeemed us from sin and emptiness, giving our lives eternal meaning. In the same way, we're called to redeem our time—to invest every moment, conversation, and decision in what will last forever.Here's the catch: if you don't decide what your time is worth, someone else will. Your job, your phone, your inbox, even social media—all have plans for your time. Unless you set boundaries, your days will fill up with things that seem urgent but aren't truly important.Jesus modeled something completely different. Even with the most important mission in history, He took time to rest, pray, eat with friends, and be fully present with people. He had the margin to be interrupted—to stop for the sick, listen to the hurting, and teach those who were searching. He never rushed, yet He always fulfilled the Father's will.How to Steward Your Time WellSo how can we live as if our time truly belongs to God?1. Reevaluate Your PrioritiesEvery decision is a trade. When you say yes to one thing, you say no to something else. Ask yourself, “What matters most in God's eyes—and am I giving that my best time?”2. Measure Time by Meaning, Not MoneyOur culture values time by dollars per hour, but God's economy works differently. A quiet afternoon encouraging a friend may not pay in cash—but it yields eternal dividends. As Jesus said, “Seek first the kingdom of God and His righteousness, and all these things will be added to you.”3. Build Margin into Your LifeJust as financial margin creates freedom to give, time margin allows you to live generously. When you're not overscheduled, you can pause to listen, serve, or rest. Sabbath isn't wasted time—it's holy time that reminds us that God is in control.4. Steward Small MomentsEternal impact isn't found only in big events. It's in the five minutes you pray for someone, the ten minutes you spend in Scripture, or the conversation that points someone to Jesus. As Colossians 3:17 reminds us, “Whatever you do, in word or deed, do everything in the name of the Lord Jesus.”Making Your Hours Count for EternityWhen you see your time through an eternal lens, every moment takes on new meaning. You stop chasing the clock and start cherishing what truly matters. Missionary C.T. Studd once wrote, “Only one life, 'twill soon be past; only what's done for Christ will last.”So what's your time really worth? It's worth exactly what you invest in eternity.Don't just count your hours—make your hours count. Live intentionally. Rest purposefully. Serve generously. And let every day remind you of the One who holds all time in His hands.On Today's Program, Rob Answers Listener Questions:I have two kids—a 14-year-old and a newborn—and just opened brokerage accounts for them. What are the best investment options, especially for my newborn with a longer time horizon? I'd like something more flexible than a college savings plan.I retired at 59 and receive Social Security disability. My home is paid off, I have no debt, and I have savings in retirement and trading accounts. I'm thinking about buying a new car with cash to avoid debt, but would it be wiser to finance or lease instead?I recently bought an RV with dealership financing at 7.9% for 20 years, though I don't plan to keep it that long. Does simple interest work the same across all banks, and is there a good calculator for figuring out principal payments on early payoff? Also, where could I refinance to get a lower rate?Resources Mentioned:Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner)Calculator.net | Credit Karma (Simple Loan Calculator) | Calculator SoupList of Faith-Based Investment FundsWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Hart and Fitzy discuss the legitimacy of the latest rumors surrounding the Red Sox and their intentions of spending more money this offseason than in years past.

It's another Coca Thursday! This one is filled with Coca defending fans and David defending ownership! Per usual! Just remember that these are friendly conversations and we all love each other! Hope you enjoy and we'll see you again on Monday! Learn more about your ad choices. Visit podcastchoices.com/adchoices

On this highlights edition of Ask KT & Suze Anything, Suze answers questions about annuities, CD callbacks and medical debt. Plus, a Roth quizzy and so much more! Watch Suze’s YouTube Channel Jumpstart financial wellness for your employees: https://bit.ly/SecureSave Protect your financial future with the Must Have Docs: https://bit.ly/3Vq1V3GGet your savings going with Alliant Credit Union: https://bit.ly/3rg0YioGet Suze’s special offers for podcast listeners at suzeorman.com/offerJoin Suze’s Women & Money Community for FREE and ASK SUZE your questions which may just end up on the podcast. Download the app by following one of these links: CLICK HERE FOR APPLE: https://apple.co/2KcAHbH CLICK HERE FOR GOOGLE PLAY: https://bit.ly/3curfMISee omnystudio.com/listener for privacy information.

It's another Coca Thursday! This one is filled with Coca defending fans and David defending ownership! Per usual! Just remember that these are friendly conversations and we all love each other! Hope you enjoy and we'll see you again on Monday! Learn more about your ad choices. Visit podcastchoices.com/adchoices

Join Jim and Greg for the Thursday 3 Martini Lunch as they celebrate the end of a pointless government shutdown, blast United Nations Secretary-General Antonio Guterres for trying to silence free speech online, and recoil at how shockingly bad college students have become at math.First, Jim and Greg applaud the House vote to end the government shutdown, rip Democrats for their six weeks of incoherent grandstanding, and look ahead to late January when this may happen all over again.Next, they unload on Secretary-General Guterres for claiming online “disinformation and misinformation” are poisoning discourse and insisting that tech companies have a responsibility to crack down on speech that supposedly distorts the facts. Guterres says this speech he doesn't like is hampering the UN's ability to enact its climate agenda. Well, that's a shame. Jim not only defends free speech but points out that the UN should not be involved in this debate at all.Finally, they shudder as college professors warn that incoming students are much worse at math than ever before. One study finds fewer than 20 percent can handle middle school–level math, and many struggle with even the most basic concepts. Jim and Greg consider how so many young adults made it to college so poorly prepared.Please visit our great sponsors:Get 10% off your first month of BetterHelp by visiting https://BetterHelp.com/3ML today!OneSkin uses the patented OS-01 Peptide™ designed to keep skin healthier, stronger, and more resilient over time. Get 15% off OneSkin with the code 3ML at https://www.OneSkin.co/3ML Try the Oracle Cloud Infrastructure for free with zero commitment by visiting https://Oracle.com/Martini today!

In this week's episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz answer your questions!---

Many people say our healthcare system is broken—and maybe you've felt that yourself.Rising costs, denied claims, and surprise bills have left millions of Americans buried in medical debt. But there's a better, biblical way to approach healthcare—one that has been serving Christians for more than forty years. Lauren Gajdek joins us today to tell us all about it.Lauren Gajdek is the Senior Director of External Affairs at Christian Healthcare Ministries (CHM), an underwriter of Faith & Finance. Why an “Open Enrollment” Campaign for a Year-Round Ministry?While CHM accepts new members year-round, their Open Enrollment Campaign—running from November 1 through January 15—aligns with the period when most Americans review or change their health coverage through employers or government exchanges.This is the time of year when people are thinking about healthcare decisions. So even though CHM is open year-round, it's an excellent opportunity to shine a light on a biblical alternative.Many Americans have grown frustrated with their healthcare experiences. CHM hears from countless people who've paid premiums for years, only to find that help is unavailable when they need it most.It's disheartening. You think your provider is in-network, but later find out they're not. That leaves patients confused and financially burdened. It's a system that often leaves believers wondering if there's a better way.That sense of frustration has become widespread—especially as over 100 million Americans now carry medical debt, a staggering sign of a broken system.How CHM Differs from InsuranceCHM operates from a radically different model. Rather than paying into a profit-driven system, CHM members share each other's medical expenses—a reflection of biblical community and mutual care.They've been around since 1981 and have shared or satisfied over $13 billion in medical bills. They're a nonprofit ministry that helps Christians live out their faith through practical care.Unlike traditional insurance, CHM members can visit any doctor or hospital they choose—there are no in-network restrictions—as long as the treatment meets the ministry's guidelines.It's simple, affordable, and rooted in biblical stewardship. Members have the freedom and peace of mind that come with knowing they're part of a community that cares.At its core, CHM is not an insurance company—it's a Christ-centered community built on shared values. Members give monthly to help other believers in need. It's an act of faith and stewardship. And for most people, it's far more affordable than traditional plans.This affordability and flexibility are especially appealing for Christians seeking to align their healthcare decisions with their faith and values.Guidance for Those Exploring Their OptionsFor anyone comparing healthcare choices this season, approach the decision prayerfully and with an open mind.You don't have to be trapped in a broken insurance system. There's a proven, Christ-centered way to handle your healthcare. Go to CHMinistries.org/FaithFi to find a cost comparison tool that shows how CHM can make care more affordable.Many in the Faith & Finance audience are retirees or nearing retirement. So it's important to note that CHM also complements Medicare, helping cover eligible expenses Medicare may not cover.It's what they call a ‘complementary' approach, where CHM can help cover costs Medicare doesn't pay, as long as they fall within its guidelines.FaithFi is grateful for CHM's partnership and their ongoing commitment to helping believers steward their healthcare costs wisely. You don't have to settle for a system that's broken. There's a biblical, community-based way to manage your healthcare needs. Learn more at CHMinistries.org/FaithFi.On Today's Program, Rob Answers Listener Questions:A pastor friend of mine was told he owes $13,000 in taxes because his preparer made a mistake. He doesn't have the money to pay for it. Where can he turn for help?I own a small business structured as an LLC, and I'm confused about how to tithe. Should I tithe personally from what I pay myself, from the business profits at year-end, or both?I'm a pastor, and one of my church members is struggling. After his father's death, the estate was liquidated, leaving him without a home. He hasn't filed taxes and now has tax debt. What's the best way for him to address this?I'm looking into a debt management plan and wondering—will it hurt my credit score? And would I still be able to keep one credit card open for emergencies?Resources Mentioned:Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner)Christian Healthcare Ministries (CHM)National Christian Foundation (NCF)Christian Credit CounselorsWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Minnesota is either the highest or lowest in grocery spending! Blake and Justin lawsuit update; One star reviews and the 5 second rule See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Are you struggling to get your team focused and aligned, but are left wondering why the results aren't what they should be? In this episode, we delve into how simply being fully present as a leader can transform your team, decision-making, and business outcomes. You'll learn why presence is the secret weapon behind high-performing teams; how your mindset as a leader shapes focus, collaboration, and results; and simple strategies to show up fully without burning out. If you're looking for a leadership approach that drives clarity, accountability, and measurable growth, this episode is your roadmap. Profit by Design is a Tap the Potential production. Show Highlights:Dr. Sabrina's eye-opening realizations about mindset and being fully presentFear causes us to operate with a scarcity mindset.We MUST celebrate our wins and successes!Tuning into what I need right now and learning to be my biggest advocateIntentionality in being fully present daily, with yourself and othersChasing peace instead of the next goalWhat are we modeling for our children?Being fully present to get results from your team membersChasing goals vs. enjoying and savoring what has been accomplished (Setting aside time for rest is essential!)Do you need a constant reminder to be fully present? DM Dr. Sabrina on social media and ask for your “Work supports life, not the other way around” stickers. The power of being fully present begins with managing your time. Find clarity and learn to focus on your $10,000 an hour activities with our free resource, the Chart of $10,000 An Hour Activities.Dr. Sabrina's gold nugget about being fully present: “Live with no regrets. Regret-proof your life.”Resources:Ready to take your life back from your business? Want more time for what matters most and more money in your bank account than ever? Book a call with us today! Master your time and profit! Give us 20 minutes of your time, take the Better Business Better Life Assessment, and receive a free paperback copy of my book, The 4 Week Vacation®️.Join the Tap the Potential Community on Mighty Networks: www.tapthepotential.com/group. Mentioned in this episode:Jumpstart Your Business!Spending too much time working and not paying yourself enough? In 30 days, you could reclaim 10 hours a week and finally enjoy weekends — while your business runs well without you. Click here to join us for the final Better Business Better Life Jumpstart of the year happening Dec. 3 and 4th. https://www.tapthepotential.com/jumpstart

Consumers may have revved up their spending in October, but spending more doesn't mean getting more — prices are also up this holiday season. In this episode, why most shoppers feel like they're doing less with more. Plus: Auto loan delinquencies rise, mortgage applications heat up during an often-chilly season, and Kai explains the price-earnings ratio of the S&P 500, which is at a decades-high.Every story has an economic angle. Want some in your inbox? Subscribe to our daily or weekly newsletter.Marketplace is more than a radio show. Check out our original reporting and financial literacy content at marketplace.org — and consider making an investment in our future.

Consumers may have revved up their spending in October, but spending more doesn't mean getting more — prices are also up this holiday season. In this episode, why most shoppers feel like they're doing less with more. Plus: Auto loan delinquencies rise, mortgage applications heat up during an often-chilly season, and Kai explains the price-earnings ratio of the S&P 500, which is at a decades-high.Every story has an economic angle. Want some in your inbox? Subscribe to our daily or weekly newsletter.Marketplace is more than a radio show. Check out our original reporting and financial literacy content at marketplace.org — and consider making an investment in our future.

What if your investments did more than earn returns—what if they helped shape the culture for good?Today, we'll explore how your money can not only grow but also advance God's purposes in the world. Brian Mumbert joins us from Timothy Plan to share how faith-based investing allows believers to engage the culture with an eternal impact.Brian Mumbert is the President of Timothy Plan, an underwriter of Faith & Finance.Giving That Flows from FaithAt the heart of Timothy Plan's mission is a conviction that money is not merely a financial tool but a spiritual one. Timothy Partners, Ltd.—the advisor to Timothy Plan—tithes its profits to support ministries aligned with biblical values.Those partnerships reflect a desire to be active on the other side of Timothy Plan's investment screens. In other words, it's not enough to avoid investing in companies that exploit, harm, or oppose biblical principles. True stewardship involves using financial influence to protect life, defend freedom, equip biblical entrepreneurs, and strengthen families.This commitment is not theoretical—it's deeply practical.In Central Florida, Timothy Plan partners with organizations such as Choices Women's Clinic, the area's largest pro-life pregnancy center, as well as House of Hope Orlando and the Orange County Jail Ministry. Nationally, their reach extends through partnerships with organizations like Movieguide and Florida Family Voice.Through the Kairos Prize, Timothy Plan helps fund aspiring Christian filmmakers with seed capital to develop their projects. Another powerful partnership is with the Nehemiah Project, which equips entrepreneurs worldwide to start and grow businesses based on biblical principles.A Legacy of Business as MinistryTimothy Plan's founder, Art Ally, was inspired by the legendary Christian industrialist R.G. LeTourneau, who dedicated 90% of his income to God's work. LeTourneau often said, “I shovel out the money, and God shovels it back—but God's got a bigger shovel.”That philosophy continues to shape Timothy Plan's culture. They see business as ministry, and since we are all stewards of God's money, we want to ensure it has an eternal impact.For many investors, the idea that their portfolio could be shaping the culture might feel new. But as an investor, we really need to understand where our dollars are going. When we invest with a biblical worldview, we're not just seeking a return—we're influencing what gets built, produced, and promoted in our world.This approach aligns with the broader mission of Timothy Plan: to provide investment options that reflect the values of faith-driven investors and to mobilize generosity that brings light into dark places. The impact of this approach is tangible. You can see the joy on their faces and the difference these ministries are making—locally in Central Florida and across the nation.At FaithFi, we share that conviction: when you invest with purpose, your portfolio can do more than generate returns—it can help bring redemption and renewal to our culture.To learn more about biblically responsible investing and how your financial stewardship can make an eternal impact, visit TimothyPlan.com.On Today's Program, Rob Answers Listener Questions:I'm planning to retire in 2027 and want to move my deferred compensation. How do I go about that? And should I also get life insurance when I retire?My wife and I just bought a home with a 6.188% adjustable-rate mortgage for three years. Should we refinance now into a 30-year fixed, or wait to see if rates come down?I'll start receiving my full Social Security benefits in December. How much can I earn without being taxed on it?Can you explain how your financial approach differs from Dave Ramsey's? And since Social Security had me apply for widow's benefits, will I owe taxes on that income?Should I invest in gold—or a mix of gold and silver—and how would I do that? And what about Bitcoin or other digital currencies? Are they wise investments, and how would I start?Resources Mentioned:Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner)Timothy PlanCharles Schwab | FidelityAn Uncommon Guide to Retirement: Finding God's Purpose for the Next Season of Life by Jeff HaanenWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Most retirement advice focuses on saving and not running out of money — but few talk about how to spend confidently once you've achieved financial independence. Lance Roberts & Danny Ratliff show how to shift from saving mode to living mode without fear or guilt: Why it's okay to enjoy what you've earned How to enjoy your wealth without overspending The emotional side of leaving the “accumulation” mindset Practical withdrawal and income strategies for peace of mind 0:19 - A Deluge of Data Coming 4:36 - Market Rotations and Maintaining Momentum 8:48 - Tariff Rebates & 50-Year Mortgages 15:43 - Spending in Retirement Without Regret 20:15 - What Will You Do in Retirement? 21:22 - Mrs. Roberts' Wiffleball Tournament 24:15 - What Will You Do with Your Time & Money? 26:24 - The Question of Longevity in Retirement 29:13 - It's Okay to Touch the Principle 32:43 - The Need for an Advocate 34:46 - Budgeting in Retirement 37:26 - What Do You Want to Do in Retirement? 40:01 - It's Okay to Spend Your Money

Listen to this episode before you begin holiday shopping or selling!Today I'm sharing a conversation I had with Rachel Duncan for the Money Healing Club Podcast where we go deeeeeep into how social media impacts our spending habits and finances.We talk about budgets, boundaries, and screentime. Then we explore why restriction isn't necessarily the answer to addiction — and why rebellion and pleasure may be better antidotes for feeling too online.We also explore the core concepts of my book, including: what's wrong with the attention economy, the negative impacts of extractive algorithms, and my 5 principles for gardening your attention.➡

Kandi and her kids are turning their family's change of Thanksgiving plans into an act of kindness for truckers on the road.

Joining the Exchange to offer deeper insight is Dr. Irem Tumer.

Joyce talks about measure in the Spending bill that may allow Republican Senators to sue over phone searches by Jack Smith. See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Andrew Kitema, managing co-owner of African Adventure Specialists, talks with Alan Fine of Insider Travel Report about the growth of the Magical Kenya Travel Expo and trends in East African safari tourism. Kitema notes that North American travelers are booking longer trips of two to three weeks across Kenya, Tanzania, Rwanda and Uganda, and the company differentiates itself through conservation-based tourism that supports community projects. For more information, visit www.africanadventure.co.ke. All our Insider Travel Report video interviews are archived and available on our Youtube channel (youtube.com/insidertravelreport), and as podcasts with the same title on: Spotify, Pandora, Stitcher, PlayerFM, Listen Notes, Podchaser, TuneIn + Alexa, Podbean,  iHeartRadio,  Google, Amazon Music/Audible, Deezer, Podcast Addict, and iTunes Apple Podcasts, which supports Overcast, Pocket Cast, Castro and Castbox.

The marketing strategies you don't even notice are convincing you to spend money, the ones you can take advantage of to get more bang for your buck & marketing traps to watch out for this sale season with entrepreneur, marketing expert & the face behind @sellanythingonline Anaita Sarkar. Plus, Anaita shares her #1 tips to succeed in business & the most expensive mistake of her career.

During this season of giving thanks, Ashley Micciche tells us ways to spend money that shows our gratitude.True North Retirement Advisors.Subscribe to the Morning Blend on your favorite podcast platform.Find this show on the free Hail Mary Media App, along with a radio live-stream, prayers, news, and more.Look through past episodes or support this podcast.The Morning Blend is a production of Mater Dei Radio in Portland, Oregon.

Ever wonder why money so often reveals what we truly value? Today, we'll find out.You probably know that on Faith and Finance, Rob West is usually the one asking the questions. But today, we're turning the tables. Afton Phillips (Head of Content at FaithFi: Faith and Finance) is here to interview Rob West about a devotional project that he has been working on—one that goes straight to the heart of our financial lives.Afton Phillips is the Head of Content at FaithFi: Faith & Finance. The Heart Behind Our Ultimate TreasureWhen Rob first started writing Our Ultimate Treasure: A 21-Day Devotional to Faithful Stewardship, he didn't set out to create another resource about money management. He wanted to create a journey of the heart—a way for believers to rediscover what Scripture truly says about money and how it reflects our relationship with God.Over the years, Rob has had thousands of conversations with people who genuinely want to honor God with their finances but feel stuck or uncertain about how to begin. That longing—to be faithful, yet unsure how—has shaped everything about this devotional.Rob has spent his entire career at the intersection of faith and finance. Early on, he noticed something that changed how he viewed everything: it didn't matter whether someone had $60,000 in credit card debt or $60 million in investments—the struggles were the same. Money issues are heart issues.That's why Jesus spoke about money more than almost any other topic. Not because He needed our resources, but because He knew how easily our hearts become tangled up in them. The goal of this devotional is to help readers slow down and realign their hearts with God's purposes—to see money not as a source of stress or identity, but as a tool for worship.Jesus said, “Where your treasure is, there your heart will be also.” That simple truth sits at the foundation of everything we teach at FaithFi. How we spend, save, and give reveals what we treasure most.If we focus only on the surface—budgeting better, saving more, paying down debt—we might improve our circumstances but still remain captive to worry or pride. The real transformation happens when God changes our hearts. When our relationship with money is shaped by trust in Him, freedom begins to flow naturally.Moving from Ownership to StewardshipOne of the most freeing shifts in a believer's financial life is learning to see ourselves not as owners, but as stewards. When we live as if we own it all, we carry the crushing weight of control—every financial decision feels like it rests on our shoulders. But when we recognize that God owns it all and we're simply managers of His resources, everything changes.Stewardship invites us to ask a new question: “Lord, what do You want me to do with Your money?” That posture leads to peace, not pressure. It transforms spending into gratitude, saving into preparation, and giving into worship. When we release ownership, we stop building our own kingdoms and start participating in God's.Biblical wisdom provides a framework for every financial decision we make. The world tells us to chase comfort and security; Scripture calls us to pursue faithfulness. God's financial principles aren't restrictive—they're protective.When we live within our means, avoid debt, plan diligently, and give generously, we're reflecting the nature of an orderly, generous, trustworthy God. Over time, those choices form habits—habits that produce margin, contentment, and generosity. Wisdom doesn't just shape our money; it shapes our hearts, making us look more like Christ.The Gift of Margin, Generosity, and LegacyOne of the devotionals in Our Ultimate Treasure focuses on the concept of margin. In our culture, we tend to fill every dollar, every minute, and every ounce of energy. But when our lives are maxed out, there's no space left for God to move.Creating margin is an act of faith. It's how we say, “Lord, I trust You enough not to live at the edge.” When we budget below our income or leave breathing room in our schedules, we acknowledge that God—not us—is the provider. In that space, we often experience His peace, His provision, and His direction in powerful ways.At FaithFi, we often say that generosity isn't just about giving—it's about joining God in His redemptive work. When we give, we participate in something far greater than ourselves.Generosity becomes a reflection of God's heart and a visible expression of His love in the world. The fruit of generosity isn't measured in numbers but in lives changed, needs met, and faith strengthened. 2 Corinthians 9:11 reminds us that God enriches us “in every way to be generous in every way.” Our giving is a response to grace—a way to align our hearts with His purposes and trust that every act of faithfulness has eternal impact.Ron Blue has often said, “Is the next steward chosen and prepared?” That question has also shaped how we should think about legacy.Legacy isn't about wealth—it's about faithfulness. Preparing the next steward means intentionally helping the next generation understand that everything belongs to God. If we pass on money without passing on wisdom, we've missed the point. Our responsibility is to model open-handed living, teaching those who follow us to hold God's gifts lightly and use them for His glory.A Hope for Every ReaderOur prayer for Our Ultimate Treasure is simple: that it would help readers see money through God's eyes and experience a renewed relationship with Him.When we understand that everything we have belongs to a generous Father, our posture shifts from fear to trust. We move from striving to surrender. Financial stewardship becomes less about mastering money and more about walking in freedom with God.If these 21 days lead someone to treasure Christ above all else—to trust Him more deeply and handle money in a way that honors Him—then this devotional has done its work.Our Ultimate Treasure is available to all who become a FaithFi Partner by December 31. Partners will also receive the latest issue of Faithful Steward magazine as well as an early release copy of Rob's new devotional whenever it is released in January 2026. Join us at FaithFi.com/Partner. On Today's Program, Rob Answers Listener Questions:I'm planning to remodel two bathrooms for about $35,000–$36,000. I have $10,000 saved for repairs, $25,000 in emergency savings, and $45,000 in dividend-producing stocks. Should I use some of the dividend money or take out a low-interest loan to cover the rest?I've enrolled in Medicare Part A but not Part B. My company has fewer than 20 employees and will soon only have one. I've heard conflicting advice about penalties for delaying Part B, even with proof of insurance. Should I enroll now or wait?If someone saves $10 a week for 30 years, how much would that grow to over time?Resources Mentioned:Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner)Schwab Intelligent Portfolios | BettermentWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

I talk about spending your mana asymmetrically before playing Aura Paladin on the ladder. You can find the deck import code below the following contact links.  You can follow me @blisterguy on Twitch, Bluesky, and Youtube. Join our Discord community here or at discord.me/blisterguy. You can support this podcast and my other Hearthstone work at Patreon here. # 2x (1) Righteous Protector # 2x (2) Creature of Madness # 2x (2) Oh, Manager! # 2x (2) Resistance Aura # 2x (3) Metal Detector # 2x (4) Crusader Aura # 2x (4) Manifested Timeways # 1x (4) Royal Librarian # 2x (4) Tigress Plushy # 2x (4) Ursine Maul # 2x (5) Chronological Aura # 1x (5) Puppetmaster Dorian # 1x (5) Sunsapper Lynessa # 1x (6) Bob the Bartender # 1x (7) Anachronos # 1x (7) Marin the Manager # 1x (8) Gelbin of Tomorrow # 1x (4) Gnomish Aura # 1x (5) Mekkatorque's Aura # 1x (9) Fyrakk the Blazing #  AAECAamaBgrOngbSuQaxwQa6wQasiAfblwfuqAfvqAfwqAfrrAcKyaAElfUFhf4F0akG6ckGjNYGtfoGyP8Gy6kHxK4HAAA=

With 2026 just around the corner, it's a great time to reflect on how we're spending our time as creatives, entrepreneurs, creators, and more. If you're an influencer or content creator, you probably spend quite a bit of time on social media.Today we're going to chat about doing a self-audit on how you're spending your time on social media. The topics were going to talk about include:Scrolling, saving and sharingCreating content And connecting with your communityFollow us on Instagram: @creativeeditionpodcast Follow Emma on Instagram: @emmasedition | Pinterest: @emmaseditionAnd sign up for our email newsletter.

The U.S. Senate has passed a bipartisan spending package in a bid to end the longest government shutdown. The shutdown has entered its 41st day and brought mounting consequences for Americans.

Jeff Davis began a mission along with his wife to help fatherless boys. It began small, but has grown into chapters in 12 states. Using the outdoors as a platform. Jeff and his team mentor fatherless boys by teaching them about outdoor skills. These skills include proper use of firearms, archery, camping, fire starting and even some other life skills. Many of the boys have never had a positive male figure in their lives. Truth in Nature provides that for these boys and young men. Spending time wiht these boys and young men, enables them to see and have a positive male figure in their life. But there is more to it than just camping, or shooting bows and arrows. This is a time to enstill in these young men the values of godly men. By sharing the gospel message with these boys, they are sharing positive life changing messages through the word and actions.    www.truthinnature.org  www.taurususa.com www.cva.com www.himtnjerky.com www.murrelloptics.com www.jumpmedic.com www.christianoutdoors.org www.citrusafe.com www.elimishieldhunt.com www.mossyoak.com

If you run an online store and you're not focused on increasing your average order value, you're leaving a lot of money on the table.In this video, I'm going to show you how I increased my average order value by over 30% using a strategy that helped me generate more than 3.6 million dollars in extra revenue—without spending more on ads.This isn't theory. It's what I use every single day inside my own brands.You'll see exactly how I upsell to premium products, how I cross-sell items that actually help my customers, and how I downsell when someone says no to the initial offer. I'll also walk you through how I automate the entire process with a tool called OneClickUpsell.This works on Shopify, WooCommerce, BigCommerce—any platform where you control the checkout experience. And it doesn't matter if you're not a developer. I'm not either. I still set this up myself with just a few clicks.This one change helped me turn a $21 order into a $174 sale. It raised my average order value to $129. And it's one of the most important things I've done to grow revenue without increasing my ad spend.If you want to get more from every customer you bring in, this is something you need to start doing right now.-------------------About Manuel Suarez:Manuel Suarez, known as the "Marketing Ninja" and a "Best Selling Author" of "Marketing Magic", leads Attention Grabbing Media (AGM), a marketing agency honored three times on the Inc 5000 list. With a team of over 120, AGM specializes in turning attention into profit for a wide array of brands. In 2023 alone, brands managed by AGM exceeded 250 million USD in revenue.Manuel is also the co-founder of NaturalSlim, a self-funded high 9-figure brand. He has elevated thousands of businesses across various sectors and has directed marketing campaigns for industry leaders like Dr. Eric Berg, Grant Cardone, and Daymond John.He is also responsible for two of the top 15 largest U.S. YouTube channels—Dr. Eric Berg and MetabolismoTV—which together have over 20 million subscribers. Over seven years, his strategies have amassed 8 billion views, generated 5 million leads, and earned over 500 million USD in revenue.Follow Manuel Suarez on Social Media:- Facebook: https://www.facebook.com/theninjamarketer/- Instagram: https://www.instagram.com/mrmanuelsuarez/- TikTok: https://www.tiktok.com/@mrmanuelsuarez- X (formerly Twitter): https://x.com/MrManuelSuarez- LinkedIn: https://www.linkedin.com/in/mrmanuelsuarez/Learn More About AGM:- Visit our website: https://www.agmagency.comNeed Help with Your Marketing?- Talk to a Ninja: https://www.talktoaninja.comCheck Out Manuel's Book, a #1 Seller on Amazon:- Marketing Magic by Manuel Suarez: https://a.co/d/gbwHKSf

Blending a family takes grace—and so does blending your finances.When couples merge families, they're also merging priorities, habits, and sometimes, financial baggage. Ron Deal joins us today to show us that with honesty and a shared vision, what begins as a challenge can become a source of strength for blended families navigating both money and marriage.Ron Deal is a bestselling author, licensed marriage & family therapist, podcaster, and popular conference speaker who specializes in marriage enrichment and stepfamily education and is the co-author of The Smart Stepfamily Guide to Financial Planning: Money Management Before and After You Blend a Family. Why Honest Money Conversations MatterThere once was a man who, when his girlfriend thought he was about to propose, surprised her by asking for her credit report instead. It's a funny story—but one that reveals a serious truth. Beneath money conversations are usually heart conversations.For couples forming blended families, this truth runs even deeper. Life has already taught them that marriage isn't guaranteed, whether because of death or a divorce. That experience creates an understandable sense of caution: How deeply do I invest again? Can I trust this new relationship?Money becomes the testing ground for those questions. That's why avoiding financial conversations doesn't protect your relationship—it weakens it. Only about one in four dating or engaged couples forming a blended family ever have a serious talk about finances before they marry. The rest often underestimate what needs to be uncovered.Finances are never just about dollars and cents. They're about values, power, and security. Beneath a discussion about budgets might be an unspoken fear: Will your children be treated equally with mine? Beneath a talk about wills might be a hidden worry: Will you care for my kids if I'm gone?There was once a woman who had been remarried for 25 years—two and a half decades of life together—and she still wondered whether her husband would provide equally for her children after she passed away. The question had never been resolved. It lingered from the past, quietly shaping their relationship.When those unspoken fears remain unaddressed, they create invisible walls. Healthy couples have the courage to name them and work through them together.The Challenge of Inheritance and TrustConsider the story of Sandra and Dave, a couple who married later in life. Sandra, a divorced mother of two adult children, was asked by her new husband, Dave, to change her will and make him her sole beneficiary. To Dave, who had no children of his own, the request seemed simple and loving: We're one now—just leave everything to me, and I'll take care of your family.But Sandra hesitated. Her adult children hadn't had time to form a close bond with Dave. For her, the request stirred deep questions: How do I know that what she's set aside for her children will be honored after she's gone?This is where trust, loyalty, and belonging intersect. Financial peace in a blended family isn't achieved through documents—it's achieved through relational clarity. You can't solve financial questions until you've addressed the relational ones.Moving from Prenuptial to TogethernessSo what's the alternative? In the book, The Smart Stepfamily Guide to Financial Planning: Money Management Before and After You Blend a Family, Ron Deal, Greg Pettis, and David Edwards, introduce what they call a “Togetherness Agreement.”Think of it as a redeemed version of a prenuptial agreement. A traditional prenup is something you do to your spouse—it outlines what they won't receive if the marriage fails. But a Togetherness Agreement is something you do for your spouse. It outlines how you will lovingly and intentionally provide for one another and your families.In a Togetherness Agreement, couples prayerfully decide together:How do they care for children from prior relationshipsHow inherited or premarital assets will be handledHow responsibilities to other households or parents will be honoredAnd how they'll support one another financially in love and unityIt's not about dividing assets—it's about uniting hearts. This process builds emotional safety, which in turn builds trust. When couples feel safe, they can finally exhale, knowing they are truly invested in each other.Taking Inventory—Emotionally and FinanciallyBefore crafting any agreement, couples need to take inventory. That means both emotional and financial reflection.Ask questions like:What financial baggage or debts are we bringing in?What past wounds or fears still shape the way we view money?What are our goals—for our family, our faith, and our future?Blended families are always born out of loss—whether death, divorce, or something else. That history doesn't have to define the new relationship, but it does need to be acknowledged. Honest reflection helps couples avoid repeating old patterns and build a healthier foundation together.Every couple's situation is different, but here are key topics that should be covered in a Togetherness Agreement:Joint and separate accountsDebt and financial obligations from prior marriagesChild or spousal support payments to other householdsRetirement, insurance, and investmentsCollege, cars, and other child-related expensesCovering these topics doesn't weaken love—it strengthens it. It replaces assumptions with clarity and fear with peace.If all of this feels overwhelming, take heart. You don't have to figure it out alone. Seek wise counsel—a trusted financial planner, pastor, or Certified Kingdom Advisor (CKA) can help you find creative and God-honoring ways to care for your family.And above all, remember this: God's grace is sufficient for your blended family. Submit your plans to Him. Let Him guide the process. As you do, He will grow you—not only in financial wisdom, but in love, unity, and faith.When couples move from mine and yours to ours, they begin to reflect the very heart of God, who makes two one, and who calls us to love generously, even in the way we handle money.On Today's Program, Rob Answers Listener Questions:I've been struggling with $26,000 in credit card debt that I recently disclosed to my husband. A credit consolidation company says they can negotiate it down, so I'd pay $400 every two weeks and be debt-free in four years. It sounds good, but is this a trustworthy option—or are there drawbacks I should watch out for?I have UTMA accounts for my two sons, but I am considering switching to 529 plans. I'm mainly concerned that with the UTMA, they'll gain full control of the money once they come of age. Would a 529 plan be a wiser choice?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)The Smart Stepfamily Guide to Financial Planning: Money Management Before and After You Blend a Family by Ron L. Deal. Greg S. Pettys and David O. EdwardsChristian Credit CounselorsWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

    Dealing with a sick crew member aboard. Here are a couple of ways to address illness on the boat. Summary:  How do you manage if someone gets sick on the boat? The good news, based on my experience, is that it happens rarely. But, if someone on your boat gets sick, here's what you need to know. First, illness is rare. Cruising is a healthy way of life. Spending time in the fresh air and away from crowds makes it less likely you'll pick up bugs. Of course, it's no guarantee you'll stay healthy. So, if you do get sick, follow your usual actions on land. Rest, hydrate, and address your symptoms. If you live with a partner, isolate to the extent possible to keep you from both ending up sick. If you can avoid moving, do it.  Finally, if you are someone more likely to catch germs because of an underlying, chronic condition or just bad luck, choose cruising grounds that keep you near medical care.  For more details, listen to the complete podcast or check out the transcript on The Boat Galley website. Subscribe to the Boat Galley Newsletter! - https://theboatgalley.com/newsletter-signup-2 Links (Amazon links are affiliate links, meaning that The Boat Galley Podcast earns from qualifying purchases; some other links may be affiliate links): Comprehensive Med Kit (Amazon) - https://amzn.to/4p3AYPz Today's episode of The Boat Galley Podcast is sponsored by Lunatec, makers of the hydration spray bottle, odor-free dishcloth and self-cleaning washcloth. Lunatec offers practical gear designed to save water and reduce waste. A water bottle that doubles as a garden hose? A dish cloth that doesn't get stinky? Yes, please! Visit Lunatecgear.com to learn more; use code boatgalley to save 10% on everything. Lunatec: innovative gear for your outdoor adventures. Click to see all podcast sponsors, past and present. - https://bit.ly/3idXto7 Music: "Slow Down" by Yvette Craig            

Emma Edwards (The Broke Generation) explains the psychology behind money such as shame, scarcity, and the beliefs we form as kids. We cover hoarding vs overspending, building self-trust, and aligning money with your values so life feels calm, not chaotic. This episode explores the impact finances have on your mental health with practical tools you can apply today.Timestamps:(00:00) Understanding Money Psychology(00:33) Introduction(02:58) Emma's Journey & Financial Education(06:50) The Emotional Side of Money(19:11) Generational Wealth & Financial Mindset(25:47) Understanding Money Mindset(26:31) Questioning Irrational Money Beliefs(27:36) Balancing Saving and Spending(29:20) Pursuing Financial Security(31:22) Aligning Money with Life Goals(33:47) Navigating Financial Traps(35:13) Final Thoughts and Reflections(42:03) Closing Remarks and ResourcesAccess FREE Move Your Mind training here:https://go.moveyourmind.io/trainingConnect with Nick:Instagram: https://instagram.com/nickbracksWebsite: http://nickbracks.comEmail: contact@nickbracks.com Hosted on Acast. See acast.com/privacy for more information.

Will the Cubs ever spend money like the big boys again?? We welcome Cubs' broadcaster Boog Sciambi onto the channel to discuss this. Plus:-Recapping the 2025 season-Why did so many Cubs players struggle at the same time?-Will the Cubs survive without Kyle Tucker? Or will he be replaced with another big bat?Get your own Setup Man Swag: https://bit.ly/setupmanobviousFREE Cubs Talk Facebook Group: / cubstalk Go to www.setupman.net and subscribe to our mailing list to become a part of Setup Man Nation so you never miss a show! We also do free giveaways for those who are on our list!Check us out on social media:Instagram: https://bit.ly/setupmaninstaTwitter: https://bit.ly/setupmantwitterContent in this Video:0:00 - Intro and World Series 8:40 - Recap of 2025 Cubs Season14:45 - Cubs Slumps all at Once29:00 - Replacing Kyle Tucker40:10 - Will Cubs Spend Money?

Lords: * Jenni * Felicia Topics: * The Mr. T cartoon * A hyper-specific comedy roast where it's just a couple giving each other shit for doing the dishes wrong * The poem that wasn't on Yuji Naka's wall * Sprouts, by Loryn Brantz * https://media24.fireside.fm/file/fireside-uploads-2024/images/3/3597ddeb-e52e-4cda-a59c-c64600489fea/0V0RfSkz.jpg * The phenomenon where you're convinced you could do way better at the TV competition show than the people on the TV competition show Microtopics: * The Fisher Price DJ Mixer. * Farting directly into the DJ Mixer. * Furries working in cyber security. * Furries working at Arby's. * Impossible Roast Beef. * Beef Pringles. * Potato molecules. * Miscellaneous Meat Molecules. * 3D-printing various cuts of meat. * Whether Neil Hamburger has helped or hurt Taco Bell sales. * A fictional guy, like Chuck Tingle. * Seasonal Depression Suite. * Future topics. (Not for today.) * Cool PBS parents not letting you watch the Mr. T cartoon. * The KGB, the Computer and Me. * Writing three original songs per episode of your low-budget Saturday morning cartoon. * Mr. T stomping around yelling at Nicodemus. * A bulldog with a mohawk named Dozer. * Solving crimes by wearing a denim vest and punching through a steel wall. * How gymnasts refuse to walk around like regular people, they have to handspring everywhere. * Live action Mr. T explaining the moral of the story. * Whether The Jetsons qualifies as STEM programming. * Spending fifteen minutes watching a silent music video on your audio-only podcast. * Google Meat. * I hate that everything is on Google Meat now. My face is covered in blood! * Mr. T swinging an alligator around by the tail and throwing it, shouting "so long, gay Bowser!" * Taskmaster. * What happens if you put three lentils together? * If you eat almost all the leftover takeout, everyone knows you ate almost all the leftover takeout, but if you eat all of it and throw away the box, nobody knows for sure because maybe the box got lost behind the mayonnaise. * Being an object of a hyperspecific roast. * The Alice in Wonderland Theater Public Shaming Experience. * A burlesque show with a sexy caterpillar where they ask everyone in the audience to write a confession, such as "I find this caterpillar sexy." * The Drag Red Queen pulling the audience's written confessions out of her back pocket and everyone is like "oh no" * Eating almost the entire tub of Rocky Road but leaving one rock and one road at the bottom, explaining when you are confronted that "it doesn't say Rocky Roads" * Going outside and finding a piece of toast on the ground and that's the most exciting thing that's happened in two years. * Cruise ships ceasing operation during COVID, which rules, but then resuming operations later, which sucks. * Explaining that we'll be hosting the event on Google Meat and then slapping you with the salami. * A motivational poem that says "Miyamoto is a fart in the wind." * Looking at your motivational poem and getting angry every morning. * A cross-stitch reading "Miyamoto is a fart" inside of a 1-Up mushroom cloud. * Who wouldn't want to cross-stitch a butt? People who suck, that's who. * Podcast headers vs. podcast covers. * Oh jesus it's the skin fortress. * Walking around just trying to live your life but everybody knows exactly what to say to get you to fight. * Rock Paper Scissors Fart Scorpion Miyamoto. * Classic first time Lord mistake: jogging to school with toast in your mouth but crashing into your attractive senpai and both of you end up in an alien world and one of you is a chain mail dragon. * How can you read poetry when a katamari could roll you up at any moment and send you up into space so you can scream forever into the void. * Your katamari Prince costume with the fresnel lens that makes you look really small. * Whether it's safe to let babies eat chocolate. * Which poop is the best to transplant. * Only the most pristine dumps. * Keeping your blood inside and your skin closed. * Babies using your arm hair as a fidget toy. * Arm hairs rolling around each other. * Stabbing yourself because you're the only one worth stabbing. * Solipsistic Stabbing. * Who's my little tuber? Who's all starchy? You are. Yes you are! * While you were watching Great British Bake Off, I was studying the dough. * You're letting too much lactic acid build up in your muscles, you humble gas station clerk. * Watching an Olympic sport you've never seen before and critiquing the competitor's technique. * Spin, spin, triangle to grind. * A contestant putting rose in their cake and you're like "I've watched 20 seasons of this, that's how you go home, you put rose in stuff" * Studying game theory before competing on Survivor and everyone votes you off as soon as they find out you studied game theory. * Crime Scene Kitchen. * Silently switching from content warnings to tags. * The professional pink gaming chair with bunny ears. * Moral Maggie cutting in at the end of the episode to tell you how to live your life. * The Topic Lords discord: we like to have fun. * Gratuitous use of the Finger Fortress.

Kristian joins David to discuss his second place at the IM 70.3 World Championships in Marbella. (00:00) Introduction(00:30) How is Kristian?  (02:00) Kristian Talking to Officials on the First Climb (02:40) Race Recap (05:30) Bike Course (08:00) Final Portion of the Bike and the Run (11:36) Potential Errors in Judgement and Training (12:47) 70.3 is Closer to Short Course than Ironman  (15:50) Tactical Choices Late in the Bike and Through T2(17:16) Looking Behind vs in Front on the Run (18:09) Jelle Trying to Get Kristian to Lead on the Run (19:12) Northern European Dominance (19:40) Did Jonas and Jaime Surprise Kristian? (21:05) Reason for European Dominance (21:49) Casper Yelling at Kristian(23:42) How are the Other Boys? (25:09) Spending the IM Pro Series Winnings (26:08) Changes to his Bike Pre Race (28:17) Is a Loss Easier or Harder to Take if There are Obvious Mistakes? (29:49) Plans Going Forward (31:30) Running in Spikes Thanks to the sponsors of this podcast series:MaurtenTo benefit from the one-time code and get 20% off your next purchase on Maurten.com, simply enter the code “TNMS2” at checkout. The code is applicable once per customer, on all products except the Maurten Bicarb System, valid until 31/12/2025.Maurten WebsiteInstagram: @maurten_officialYouTube: https://www.youtube.com/c/MaurtenOfficialPlasmaideVisit the plasmaide website and use the code “NM15” for a 15% discount on your order.  Website: https://plasmaide.co.uk Instagram: @plasmaide Youtube: https://www.youtube.com/@plasmaide Eight Sleep Use the code “KRISTIAN” at eightsleep.com/kristian for up to $700 off the Pod 5 Ultra until December 1st. Try it for 30 days risk-free.Website: https://eightsleep.com/kristian Instagram: @eightsleepYoutube: https://www.youtube.com/@eight_sleep Hosted, edited and produced by Dr David LipmanEditing, video and introduction by Roj Ferman

Stock market update for November 10, 2025.Follow us on Instagram ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@therundowndaily⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠This video is for informational purposes only and reflects the views of the host and guest, not Public Holdings or its subsidiaries. Mentions of assets are not recommendations. Investing involves risk, including loss. Past performance does not guarantee future results. For full disclosures, visit ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Public.com/disclosures⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

Welcome to Learn Polish Podcast, episode 537. Hosts Ania and Roy discuss attitudes toward money, budgeting, saving, impulse buying versus planning, cash versus cards, investing, and how money can affect people. They share personal stories about first purchases, family lessons, teaching children financial responsibility, and practical tips for monthly planning and using cards wisely. Find other episodes on learnpolishpodcast.com or on YouTube, Rumble and Spotify. Lessons are available in Polish and Spanish; links and a QR code are in the show notes, along with information about the Brain Fitness and Podfather school groups.   I have just launched my PodFather Podcast Coach Community https://www.skool.com/podfather/about   Start your own SKOOl Academy https://www.skool.com/signup?ref=c72a37fe832f49c584d7984db9e54b71   All about Roy / Brain Gym & Virtual Assistants at ⁠https://roycoughlan.com/⁠    Do you want to unlock your potential? https://www.skool.com/brainfitness/about  

On this episode of The Federalist Radio Hour, Jack Hubbard, executive director at the Center for the Environment & Welfare, joins Federalist Senior Elections Correspondent Matt Kittle to discuss how the spending of organizations such as American Society for the Prevention of Cruelty to Animals (ASPCA) and People for the Ethical Treatment of Animals (PETA) reckons with the high number of animal euthanizations across the U.S. Hubbard also shares how these organization's lobbying efforts hurt the family farming industry and Americans hoping to buy affordable food. Read the report "Fat Cats and Dead Dogs: Shelter Pets Die While National Groups Hoard Money" here. If you care about combating the corrupt media that continue to inflict devastating damage, please give a gift to help The Federalist do the real journalism America needs.  

Join Jim and Greg for a special Friday edition of the 3 Martini Lunch as they dive into stories that didn't quite make the cut for full martinis in recent weeks but still deserve attention. Jim examines the persistent challenges of inflation and America's skyrocketing debt, while Greg highlights a major Trump victory at the United Nations and new signs that one expected 2028 Democrat contender may be bowing out before the race begins. Then they get a little but more on the lighter side for their final martinis.First, Jim notes that while inflation is much more under control than during the Biden administration, it's still stubbornly at or around three percent year-over-year most months and it's still making many Americans sweat. Greg focuses on the Trump administration leading the charge to stop a United Nations carbon emissions tax on shipping. Greg cheers the latest win in blocking the left's green agenda. Jim adds another point that's even bigger than the issue at hand.Next, Jim shudders as the national debt officially soars beyond the $38 trillion mark and he's especially horrified at how fast the debt is growing. Meanwhile, Greg points out recent comments from Michigan Gov. Gretchen Whitmer suggesting she may not run for president in 2028. That would be good news given Whitmer's terrible record as governor.Finally, Jim explains how the NFL's desire to reach younger fans could soon lead to a significant drop in viewership. Greg wonders if there is any integrity left in competition after another cheating scandal rocks a world championship.Please visit our great sponsors:Give your liver the support it deserves with Dose Daily.  Save 35% on your first month when you subscribe at https://DoseDaily.co/3ML or enter code 3ML at checkout. Get 20% off your first purchase of classic menswear. Visit https://MizzenAndMain.com with promo code 3ML20—shop online or visit a Mizzen and Main store in select states.Sponsored by Quo, formerly known as Open Phone: Get started free and save 20% on your first 6 months and keep your existing numbers at no extra charge—no missed calls, no missed customers. Visit https://Quo.com/3ML

On this episode of The Federalist Radio Hour, Jack Hubbard, executive director at the Center for the Environment & Welfare, joins Federalist Senior Elections Correspondent Matt Kittle to discuss how the spending of organizations such as American Society for the Prevention of Cruelty to Animals (ASPCA) and People for the Ethical Treatment of Animals (PETA) reckons with […]

What does Alexis's son want for his birthday? A WTF warm-up -- TV sidekick edition, Jason's mom surprise new spending habit, and Millie Bobby Brown and David Harbour show up at "Stranger Things" premiere as FRIENDS?! Wait, weren't they beefing on the set?See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Discover what new research reveals about how retirees actually spend their money — and why front-loading your retirement income plan could be the key to enjoying your healthiest, most fulfilling years first.  In this episode, we discuss:  Pitfalls of traditional retirement income plans What to know about the "retirement spending smile" Spending regret factors for retirees Health and longevity perceptions Today's article is from the ThinkAdvisor titled, Most Retirees Want to Front-Load Their Spending. Listen in as Founder and CEO of Howard Bailey Financial, Casey Weade, breaks down the article and provides thoughtful insights and advice on how it applies to your unique financial situation. Show Notes: HowardBailey.com/531

“If we command our wealth, we shall be rich and free. If our wealth commands us, we are poor indeed.” - Edmund BurkeIt's a familiar thought: If I just had a little more money, life would be better. We've all been there—believing that one more raise, one more purchase, one more upgrade will finally bring contentment. But as many have discovered, that thought rarely delivers what it promises.The question “Can money buy happiness?” isn't new, and neither is the answer. From philosophers to billionaires to biblical writers, the conclusion is the same: wealth can make life comfortable, but it cannot make life complete.Why Money Can't Deliver What It PromisesWe don't know how much Edmund Burke studied Scripture, but his words echo a timeless truth. Paul warned Timothy, “For the love of money is a root of all kinds of evils” (1 Timothy 6:10). When we expect money to solve our problems or satisfy our hearts, disappointment always follows.Financial author Ron Blue explores this in his book, Generous Living: Finding Contentment Through Giving, pointing out a deep disconnect between what we believe and how we behave. Most of us would agree that “money can't buy happiness,” yet nearly every message in our culture insists that it can. The world doesn't just tempt us to spend more—it trains us to depend on more.Advertising drives this message home. Every commercial suggests that joy is only one purchase away. The right car, the latest phone, the perfect vacation—each one whispers that happiness is for sale. But when our hearts attach to things that fade, anxiety soon takes root. Instead of owning our possessions, our possessions begin to own us.John D. Rockefeller, worth billions in today's dollars, once admitted, “I have made many millions, but they have brought me no happiness.” Henry Ford echoed the same sentiment: “I was happier when I was doing a mechanic's job.” And long before them, King Solomon—the wealthiest man of his day—wrote, “He who loves money will not be satisfied with money; this also is vanity” (Ecclesiastes 5:10).Three men, three eras, one truth: money can't satisfy the soul.Two Myths About WealthRon Blue identifies two common lies about money:More money brings more freedom and satisfaction. In reality, more money brings more complexity. As Ron Blue also notes in his book, “Since there are always unlimited ways to spend limited dollars, it doesn't matter whether you make $20,000 or $200,000—you will always have choices to make.” With greater wealth comes greater responsibility and potential stress.More money removes fear and worry. The opposite is often true. The more we have, the more we have to lose. Market downturns and unexpected crises reveal that our sense of security is fragile when it's built on wealth.In those moments, God invites us to a deeper trust—not in our accounts or assets, but in His character. His provision is measured not by our portfolios but by His promises.So how do we break free from financial fear? It begins with a shift in perspective: realizing it's not your money. You're a steward, not an owner. Everything you have belongs to God.Philippians 4:19 assures us, “And my God will supply every need of yours according to his riches in glory in Christ Jesus.” God promises provision, not luxury. He gives enough for His purpose in your life, not necessarily for every preference.Our role is faithfulness—to manage His resources wisely, give generously, and hold loosely what He entrusts to us. Enjoy His gifts, but never expect them to give you peace or identity. Those belong to God alone.Finding Joy That LastsPsalm 37:3–5 gives us the pathway to contentment: “Trust in the Lord, and do good… Delight yourself in the Lord, and he will give you the desires of your heart.”When we delight in God, He reshapes our desires. We stop chasing what fades and start finding joy in what lasts. True wealth isn't measured by net worth but by contentment.So, can money buy happiness? Not the kind that endures. It can buy comfort and convenience—but not peace, purpose, or joy. Those come only from trusting the One who provides.When your hope rests in Christ and not your paycheck, you'll experience what Edmund Burke described centuries ago: true freedom that never fades.On Today's Program, Rob Answers Listener Questions:I'm 30 and trying to be proactive about my financial future. Should I consider getting long-term care insurance this early, or wait until later in life? And would adding annuities make sense at my age?I'm a veteran with a VA loan at 6.75%, and I keep getting offers to refinance through a VA IRRRL. I've only been in my home for about a year, but as a single mom, lowering my payment would really help. Should I go ahead and refinance now, or wait?My employer offers both a traditional 401(k) and a Roth option. If I switch to contributing to the Roth, will my employer match still go there, and would it also be tax-free when I withdraw it?I recently replaced my old truck with a 2023 model, and the seller is offering an extended warranty for $4,000. It sounds comprehensive, but I've read many negative reviews about these plans. Are extended warranties on vehicles generally worth it?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Generous Living: Finding Contentment Through Giving by Ron Blue with Jodie BerndtWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Tara takes a hard look at the collapse of the American Dream — and how decades of reckless spending, congressional dysfunction, and Biden-era inflation have priced an entire generation out of homeownership. From her own story of buying a house at 23 on a journalist's salary to today's reality where the average first-time buyer is 40, Tara exposes how government greed, perpetual stimulus extensions, and a failure to pass real budgets have turned the U.S. into the stagnating Europe she once pitied. With sharp analysis and personal reflection, this episode connects economic policy to political paralysis — and what must happen to restore America's future. *When Congress stopped budgeting, America stopped building.* bidenomics, housing crisis, inflation, first-time homebuyers, american dream, stimulus spending, congress budget failure, national debt, covid spending, obamacare subsidies, generational economics, trump policies, socialism, tara podcast Tara explores how economic mismanagement and endless government spending have destroyed homeownership opportunities for young Americans. She recalls buying her first home in her early 20s — something now nearly impossible as first-time buyers hit a record low of 21%, with the average age rising to 40. The episode dissects how printing money, continuing temporary stimulus measures, and passing no real budgets since 1996 have inflated prices and destabilized the economy. Tara explains how continuing resolutions have locked in trillions in permanent spending from one-time COVID and stimulus bills, fueling inflation and debt. She also discusses the political gridlock preventing budget cuts, Trump's challenge to reduce federal waste, and how Supreme Court and census reforms could shift congressional power. Ultimately, Tara warns that if these cycles continue, America will mirror the economic stagnation of socialist Europe — where homeownership is a luxury of the middle-aged and opportunity is out of reach for the next generation.

Congressman Ralph Norman joins Tara to discuss the urgent need for fair redistricting in South Carolina, the threat of overspending and continuing resolutions, and the state of the American economy. From gerrymandering and voter integrity to skyrocketing home prices and the record-high median age of first-time homebuyers, this episode covers the policy challenges shaping America today. Norman shares his perspectives on the filibuster, fiscal responsibility, and how strategic reforms could help restore economic opportunity for young Americans. “Politics, policy, and the fight to preserve the American dream.” Ralph Norman, redistricting, gerrymandering, filibuster, budget, federal spending, American economy, first-time homebuyers, housing crisis, voter integrity, Trump, South Carolina, youth vote, fiscal responsibility In this episode, Tara speaks with Congressman Ralph Norman about pressing political and economic issues. They explore the urgent need for fair redistricting in South Carolina to address gerrymandered districts, discuss the filibuster and its implications for federal legislation, and examine the challenges posed by continued federal overspending. The conversation also highlights the housing crisis, with the median age of first-time homebuyers reaching 40 and only 21% of purchases coming from new buyers—the lowest on record. Norman emphasizes the importance of fiscal responsibility, voter integrity, and strategic reforms to ensure the American dream remains achievable for younger generations.

Today's episode dives into the pressing issues shaping the United States—from skyrocketing home prices and record-high median ages for first-time buyers, to federal overspending and the political battles over redistricting and the filibuster. Tara speaks with Congressman Ralph Norman about gerrymandering, voter integrity, and the fiscal challenges threatening economic opportunity for young Americans. We also examine the historic housing crisis, federal stimulus spending, and the rising political influence of youth voters in shaping the nation's future. “Where policy, politics, and the American dream collide.” Housing crisis, first-time homebuyers, median age, federal spending, continuing resolutions, budget, gerrymandering, redistricting, voter integrity, filibuster, Republican strategy, Trump, youth vote, economic anxiety, socialism, inflation In this episode, Tara unpacks the critical issues confronting America today. Highlights include: * The median age of first-time homebuyers has reached an all-time high of 40, with only 21% of purchases made by new buyers. Young Americans are increasingly priced out of homeownership. * Federal overspending continues unchecked, with annual stimulus programs and pandemic-related expenditures fueling inflation and economic strain. * Congressman Ralph Norman joins to discuss the urgent need for fair redistricting in South Carolina, the risks posed by gerrymandered districts, and the importance of voter integrity. * The debate over eliminating the Senate filibuster, and its potential impact on future legislation, including spending bills and immigration policy. * The rising political influence of younger voters, with historical shifts in support patterns reflecting economic anxieties and dissatisfaction with current policies. This episode connects housing, fiscal policy, and political strategy, highlighting how today's decisions will shape the American dream for generations to come.

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

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