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Are you a real estate investor looking to reduce your tax burden — or just trying to understand how depreciation recapture could affect your bottom line? In this episode, Brian Davis (co-founder of SparkRental) sits down with Sean Lovison, a Certified Financial Planner and CPA, to unpack everything you need to know about real estate depreciation, tax liability, and smart exit strategies — including how to avoid surprise tax bills when selling rental properties. We cover: ✅ What is depreciation recapture and how does it work? ✅ How to calculate your real tax liability when selling a property ✅ The difference between capital gains vs. depreciation recapture ✅ Real-life examples of investors getting hit with unexpected taxes ✅ How to use 1031 exchanges to defer taxes legally ✅ What is a “lazy 1031 exchange” in syndications and how it works ✅ Tax tips for passive vs. active real estate investors ✅ What happens if you don't claim depreciation (hint: it's bad!) ✅ The long-term tax benefits of holding until “the endgame”
Most people are taught to follow the traditional path: get good grades, attend college, and land a "secure job." But that system often leaves graduates with debt and a paycheck that barely covers the bills. In this episode, Kris Krohn reveals how college students can break free from this cycle by starting their real estate journey early. Learn how to build wealth while you're still in school, and avoid becoming a victim of society's broken financial roadmap.
Counting Down the Top Ten Old Money Episodes! While Old Money is on Summer Vacation, join us for the encore presentation of Episode 59: Stock Market 101: What the Rich Don't Want you to Know about Fear & Greed, originally released August 2024 & March 2025.----------------------------If Warren Buffet could start investing in Apple in 2016, there's still time for you. Buckle up because today, Amber's breaking down how to stay calm during market fluctuations, why she feels unshakeable as the economy changes, and why you should, too. Learn the principles of investing, how to calm your financial fight or flight in the face of market volatility and what the wealthy are doing with their portfolios.------------------------In today's episode, we cover the following:Financial fight or flight What's going on in the media The difference between a crash and correction The Fear and Greed Index Becoming "Unshakeable"Why market volatility isn't something to fear Dollar-cost averaging Forget the needle: buy the haystack Playing the long game Why it's all about time in the market, not timing the market Don't think you're smarter than the market Pay attention to fees What the rich are doing Journal questions ----------------------------Resources:Episode 003: Financial Fight or Flight is Ruining Your LifeEpisode 011: The Hot Girls Guide to InvestingUnshakeable by Tony Robbins The Fear and Greed Index ----------------------------Journal questions: What things stimulate my emotional dysregulation with moneyHow can I better regulate my emotions to be a better steward of my money? How can I become unshakable in work, in relationships, in every aspect of my life? ----------------------------Connect with the Old Money Podcast:Web: OldMoneyPodcast.comEmail: OldMoneyPodcast@gmail.comInstagram: @OldMoneyPodcastTikTok: @OldMoneyPodcast----------------------------Copyright (c) Old Money 2025. The content presented in this podcast is intended to entertain, educate, inspire and support listeners in their personal and professional development and does not constitute business, financial, or legal advice. Please note that this episode may contain paid endorsements and advertisements for products and services for which individuals on the show may have a direct or indirect financial interest in products or services related to the episode.
This season we're diving into the hot topics and issues that we think you need to know about when it comes to your money. Today we're talking about the big impact a decade can really have on your finances. Starting off, Mel asks the question, how old you'll be in 10 years time. For some of you it's a number you're itching to get to, while for others that number can be confronting. Society today is all about living in the moment, it's built on ageism, valuing youth and beauty and as a result for so many women, looking ahead can be daunting at best, and frightening at worst. While we can't impact how you feel about that age physically, we can help you financially and emotionally, by helping you understand the big impact you can have on your finances in just a decade. So, if you're thinking of that age you'll be and feeling a little nervous for her, this is the episode for you to tune into. For more tips and resources, visit us at melissabrowne.com.au, on Facebook, Instagram or TikTok @MelBrowne.Money or send us an email at hello@melissabrowne.com.au. My Financial Adulting Plan is here Mel's Money Quiz is here Her Wealth, Her Way Conference is here Finally, if you love this episode please make sure you subscribe, share it with a friend and leave us a review.
Send us a text✉️ info@alessandroderubertis.com
Real Estate Investor Dad Podcast ( Investing / Investment in Canada )
Real Estate Investing Morning Show ( REI Investment in Canada )
– What do you think of my investment idea? – What do you disagree on? – Should I sell my employer-provided shares? – Help… I’m starting to invest at 40 – Fix housing for me!See omnystudio.com/listener for privacy information.
A lot of investors grow their portfolios by acquiring single family homes, but have you ever considered taking the leap and investing in multifamily properties? In this episode, Randy Lawrence shares his 20+ years of experience to show you how to start investing in multifamily real estate. Join Our Investor Club: https://bit.ly/3Fu1Gj9 This episode was originally published on February 16, 2024.
Massive shoutout to Ian who asked these brilliant questions. From transferring defined benefit and defined contribution pensions, to comparing the index providers of FTSE and MSCI, from UK stocks and their fees, to investing into bonds, and a lot more. This episode has a little bit of everything. Timestamps for each question are below. And if anyone is keen to get involved in a future 4-week investing crash course, give me a shout and I'll add you to the waitlist (IG - makingmoneysimple, email - makingmoneysimple1@gmail.com).Timestamps:0:00 - Intro1:07 - Fees for non-UK stocks? Plus, should we focus on UK-listed stocks?3:22 - And what about ETFs?4:22 - Why are UK stocks listed in pennies?5:53 - Can a company create new/more shares?7:41 - And what about a company buying back shares?8:34 - Index funds: FTSE vs MSCI?11:22 - How to differentiate between indexes?12:39 - Back to FTSE vs MSCI?15:01 - Will the Cash ISA allowance be reduced?16:06 - Are bond investments worthwhile?17:58 - What is my personal annual rate of return?19:19 - Has my portfolio recovered after the 2025 market drop?21:31 - Pensions introduction22:22 - Can any pension be transferred?29:03 - OutroListen to the episode for the full details.-----------------------------------------------
Massive shoutout to Ian who asked these brilliant questions. From transferring defined benefit and defined contribution pensions, to comparing the index providers of FTSE and MSCI, from UK stocks and their fees, to investing into bonds, and a lot more. This episode has a little bit of everything. Timestamps for each question are below. And if anyone is keen to get involved in a future 4-week investing crash course, give me a shout and I'll add you to the waitlist (IG - makingmoneysimple, email - makingmoneysimple1@gmail.com).Timestamps:0:00 - Intro1:07 - Fees for non-UK stocks? Plus, should we focus on UK-listed stocks?3:22 - And what about ETFs?4:22 - Why are UK stocks listed in pennies?5:53 - Can a company create new/more shares?7:41 - And what about a company buying back shares?8:34 - Index funds: FTSE vs MSCI?11:22 - How to differentiate between indexes?12:39 - Back to FTSE vs MSCI?15:01 - Will the Cash ISA allowance be reduced?16:06 - Are bond investments worthwhile?17:58 - What is my personal annual rate of return?19:19 - Has my portfolio recovered after the 2025 market drop?21:31 - Pensions introduction22:22 - Can any pension be transferred?29:03 - OutroListen to the episode for the full details.-----------------------------------------------
What did you think of todays show??Our best deals aren't in “hot” markets — they're in places you wouldn't think to look. In this episode, find out why now is a better time to start investing than most people think, and where we're finding better deals. We share how we're changing our strategies, what today's lending landscape looks like, and when scaling too fast can actually backfire.Topics discussed:Introduction (00:00)Single family rentals vs. multifamily markets (04:33)How equity and liquidity impact home ownership (08:09)Economic indicators vs. our local markets (09:19)The worst housing markets in the US (12:49)Benefits of local markets (14:35)Why DSCR loans are trending lower than personal rates (17:57)Are we becoming a renter's nation? (20:41)The pros and cons of entering real estate in a downturn (23:18)How to spend less time in your business (27:50)Learn more about the Collecting Keys SCALE Community! https://collectingkeys.com/scale/Check out the FREE Collecting Keys “Invest Anywhere” Guide to learn how to find deals in ANY MARKET Completely virtually (this is how we scaled to over a dozen markets)!https://instantinvestor.collectingkeys.com/invest-anywhereFollow us on Instagram!https://www.instagram.com/collectingkeyspodcast/https://www.instagram.com/mike_invests/https://www.instagram.com/investormandan/https://www.instagram.com/dylan_does_dealsThis episode was produced by Podcast Boutique https://www.podcastboutique.com
Martins Sulte is the co-founder and CEO of Mintos, the largest investment platform of its kind in Europe, with over 700 million euros in assets under administration and more than half a million users. Since launching in 2014, Martins has led the company from a peer-to-peer lending marketplace to a full-scale multi-asset platform, offering access to loans, ETFs, bonds, real estate, and soon—crypto and stocks. With a background in finance and management consulting, Martins brings a disciplined yet product-driven mindset to fintech innovation, building solutions for everyday investors across Europe.On this episode we talk about:The Evolution of Retail Investing in EuropeFinance 101 and the Psychology of InvestingFintech Business Strategy Amid Market VolatilityAI as a Competitive Edge in FintechScaling Without Scaling Headcount==If you liked this episode or simply want to support the work we do, buy us a coffee or two, or a hundred, with just a few clicks at: https://buymeacoffee.com/pursuitofscrappinessFind all episodes on > https://www.pursuitofscrappiness.co/Watch select full-length episodes on our YouTube channel > https://www.youtube.com/channel/UCP6ueaLnjS-CQfrMCm2EoTAConnect with us on Linkedin > https://www.linkedin.com/company/pursuit-of-scrappiness/===============Support the show
When is the right time to invest in real estate? We've all asked ourselves this, and if you've been thinking about buying rentals, you probably have, too. Whether you're 20 or 50, have a little money or a lot, that first real estate deal can seem so...scary. You've never done this before, and things can (and will) go wrong, so how do you know you're ready? Have you read enough books, saved enough for emergencies, or looked at enough houses? We've got three investors who all started in different positions to help get you an answer. Dave started investing right after college when he was waiting tables and had barely any money in the bank. Henry began to invest well into his working career, but with a family to take care of in the near future, he had to invest differently. On the other hand, Jonathan Greene was born into real estate, with an investor father who taught him the ropes from childhood. Each expert started from a different place, but they all agree on when it makes sense to invest. How much money do you need to make? How much free time should you set aside? What should your bank account look like? Do you need to know how to renovate and repair? Each investor will share where they think you should be to successfully invest in real estate. Good news—you might already be there! In This Episode We Cover The right age to invest in real estate (and can you ever be too young/old?) How much money you should have in case your first deal goes wrong Growing your confidence to buy and how many houses you should view before bidding The time it takes to invest in real estate on the side (do you have the schedule for it?) Financial signs that you're NOT ready to buy a rental (and how to fix your finances) Is it too late to invest with high home prices and interest rates? And So Much More! Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/real-estate-1124 Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com. Learn more about your ad choices. Visit megaphone.fm/adchoices
Have you ever thought about investing before? What would you do if you could invest without needing experience? Today, Jay sits down with Vlad Tenev, CEO and Co-Founder of Robinhood, the revolutionary financial platform that brought commission-free investing to millions. Vlad shares his fascinating journey from being a first-generation immigrant from Bulgaria to building a company that redefined access to investing. Vlad shares candid reflections on his childhood, marked by resilience and an acute financial awareness. He recounts pivotal moments, from immigrating to the U.S. during Bulgaria's economic turmoil to his early fascination with math and finance. Vlad also shares how he manages stress and stays grounded while navigating the demands of leading a high-impact, rapidly evolving company. Jay and Vlad dive deep into the origins of Robinhood, exploring how the platform sought to democratize investing by eliminating barriers like account minimums and trading fees. Vlad highlights the company’s commitment to innovation and its mission to empower everyday investors. He also shares lessons learned from Robinhood's challenges, including the high-profile GameStop incident, and reflects on the importance of transparency, authenticity, and adapting to evolving market conditions. In this interview, you'll learn: How to Build Financial Knowledge Early How to Balance Work and Wellness Daily How to Innovate in a Crowded Market How to Use Feedback to Improve Products How to Overcome Fear of Investing Mistakes How to Scale a Business for Long-Term Success How to Prioritize Customers' Needs in Business Change can be a powerful and uplifting journey when approached with self-compassion and intention. The power to transform is already within you—let it shine. With Love and Gratitude, Jay Shetty What We Discuss: 00:00 Intro 01:19 Learning the Value of Money at a Young Age 05:50 Reuniting with Parents After Years Apart 09:13 Challenges Faced by Young Immigrants in School 13:57 How Math Became a Gateway to Academic Success 19:00 The Inspiration Behind the Name Robinhood 21:29 A Look Back at the First-Ever Investment 24:32 The Benefits of Starting Young in Business 25:26 The Role of IQ in Early Achievement 29:27 Witnessing the Collapse of the Financial World 34:42 Investing in Crypto Before the Hype 36:58 Starting an Investment Journey with Just $10 39:40 Common Mistakes New Investors Should Avoid 43:45 Choosing Companies That Build Everyday Products 47:52 How AI Is Reshaping Financial Services 50:49 Renting vs Buying in Today’s Economy 55:06 The $72 Trillion Wealth Transfer Explained 57:09 Breaking Barriers to Financial Access 58:25 Rethinking Retirement and Long-Term Planning 01:01:17 Offering a Smarter Approach to Retirement Savings 01:02:36 Robinhood in the Media: What They Got Right (and Wrong) 01:05:15 Representing a Company in the Public Eye 01:09:31 Transforming the Customer Experience from the Inside Out 01:12:46 How Mistakes Shape Company Growth 01:13:46 The Pitfalls of Premature Optimization 01:14:59 Inflation, Interest Rates, and the 2022 Reset 01:20:21 Enhancing the Experience for Active Traders 01:24:46 Making Professional-Grade Trading More Accessible 01:27:00 Prioritizing Customer Needs to Solve Core Issues 01:28:16 Managing the Pressure of Negative Publicity 01:31:38 Balancing Leadership with Personal Life 01:35:19 Navigating Marriage and Work as a Founder 01:36:26 Rethinking the Traditional Credit Card Model 01:40:52 Vlad on Final Five Episode Resources: Vlad Tenev | LinkedIn RobinhoodSee omnystudio.com/listener for privacy information.
In this episode of the Zen Business Podcast, our host Jonathan Maxim sits down with real estate innovator McKay Francis, co-founder of Casa Shares — the app that's making real estate investing accessible to everyone.They dive into how the traditional real estate system is broken for modern entrepreneurs and how Casa Shares is flipping the model by letting you invest in rental properties with just $100 with no agents or banks.McKay shares his beginnings, strategies, and vision for the real estate market in 2025. They also explore why now is the best time to invest in real estate, why the majority of millionaires and billionaires are heavily invested in it, and how real estate can fund your dream life.If you've ever felt locked out of the real estate game, this is the episode that opens the door. Listen to new Zen Business episodes every Monday – available on Spotify, Apple Podcasts, Overcast & more. Find @itsjmaxim on Instagram for free Marketing, Mindset, and Money tips. If you're an investor-backed startup or a new app looking for an edge, contact @viralapplaunch on IG for performance-based marketing—where we only win when you do.#realestateinvesting #fintech #passiveincome #appgrowth #startups #founderstory #entrepreneurlife #fractionalownership #realestateforbeginners #wealthbuilding
Leave an Amazon Rating or Review for my New York Times Bestselling book, Make Money Easy!While Wall Street continues to create market fear, investing expert Chris Camillo reveals why economic uncertainty presents the greatest wealth-building opportunity for everyday people. After turning $20,000 into $2 million in just three years and later growing a $4.5 million account to $35 million during the pandemic, Chris shares his revolutionary "social arbitrage" approach that leverages public information from social media trends. He passionately argues that investing - not entrepreneurship - is the true path to financial freedom, stressing that every dollar invested today could become $100 over time. Chris demystifies the investing process while exposing why the coming AI and robotics revolutions represent the greatest wealth transfer opportunity of our lifetimes.Chris's book Laughing at Wall Street: How I Beat the Pros at InvestingChris on YouTubeChris on XIn this episode you will learn:Why market volatility and economic uncertainty are when you make the most money as an investorHow observing social media trends can help you beat Wall Street at its own gameWhy starting a business is the wrong path for most people seeking financial freedomHow to identify major societal changes that will impact company values before Wall Street noticesWhy the coming AI and robotics revolution will transform global labor and create massive investment opportunitiesFor more information go to https://www.lewishowes.com/1771For more Greatness text PODCAST to +1 (614) 350-3960More SOG episodes we think you'll love:Dean Graziosi – greatness.lnk.to/1766SCAnthony O'Neal – greatness.lnk.to/1738SCDave Ramsey – greatness.lnk.to/1758SC Get more from Lewis! Get my New York Times Bestselling book, Make Money Easy!Get The Greatness Mindset audiobook on SpotifyText Lewis AIYouTubeInstagramWebsiteTiktokFacebookX
This Strides Revisited episode from 2020 calls riders out (lovingly!) on wasting time in the saddle and challenges you to make every moment with your horse count. Whether you're riding solo, stuck in a rut, or returning after time off, this episode will help you reignite your purpose, get clear on your riding goals, and build a plan that fits your life. Not someone else's (or potentially a past version of you?) expectations.
What happens if the dip keeps on dipping? When the market falls, no one knows:1. How big the fall with be. 2. How long the fall will last.3. When the market will bounce back.This is exactly why I don't personally 'buy the dip'. Long story short, because it's impossible to time the best time to invest. Which is why only investing when the market ‘dips' is a losing strategy over the long term. The much better strategy - in my opinion - is the following two steps:1. Stay invested At all times. After all, I don't need this money for the long term. And it's impossible to time the right moments to buy and sell. 2. Keep investing‘Cost averaging' by investing every single month. No matter what.I do this personally by primarily investing into low cost global index funds and ETFs. No need to overcomplicate your investing strategy. Then let time and compound interest grow your wealth Listen to the episode for the full details.-----------------------------------------------
In this episode, we discuss how an 18-year-old can get started in property investment — and lay the foundation for building serious wealth over time.You'll hear:What young Kiwis need to do right now to begin their journeyThe step-by-step game plan to grow a property portfolio from scratchAnd how to get ahead, even without a big income or depositThis live coaching session is all about empowering the next generation of investors. And if you're looking for a mortgage broker (nz), you can always check out our list of the top 10 mortgage brokers in NZ. For more from Opes Partners:Sign up for the weekly Private Property newsletterInstagramTikTok
Welcome to another edition of Five Question Friday (FQF). We actually have 6 questions today plus a free investment tracking tool:1. Do I send Facebook friend requests to viewers?2. Is this a good time to start investing?3. Is rebalancing in volatile times just market timing?4. If following the 4% rule, should the amount you pay in taxes be included?5. Should an emergency fund be part of your asset allocation?6. What is your opinion of using T-bills for cash instead of CDs or bonds? Investment Tracking Tool: https://www.bogleheads.org/forum/view...Join the Newsletter. It's Free:https://robberger.com/newsletter/?utm...
Is there a perfect age to begin investing in real estate? Kris Krohn started at 22 and retired financially free by 26—and in this episode, he explains how age is less important than action. Learn why money and credit aren't the biggest barriers, and how desire and strategy make all the difference. Kris breaks down the three key elements you need to land profitable real estate deals at any stage of life.
The stock market has been rough in 2025. Both the US stock market and global stock market are down heavily since the beginning of 2025.Time to panic? I don't think so.As we go through in this episode, the big mistake that people often make at these uncertain moments is panic selling. We need to avoid that. Not just because it is impossible to 'time' when to get back into the markets, but also because the historical data backs up that these types of falls happen regularly in the stock market. And these falls might even be a good thing if you're a long term investor...What am I doing? Not panic selling, continuing to hold my investments and continuing to invest.What should you do? During this episode I share the 4 things that you should do - right now - in my opinion. Listen to the episode for the full details.0:52 - What's the damage so far?3:12 - Stock market crash stats from history5:51 - The big mistake people make7:17 - My losses & why this could be good10:14 - Why do optimists win?13:04 - What should you do?15:05 - Summary-----------------------------------------------
Confused by all the stock market headlines and tariff talk lately? Let's make it make sense. In this episode, the guys break down what's really going on with Trump's tariffs, the impact on the global economy, and why smart investors aren't panicking, they're preparing. Instead of focusing on the noise, they zero in on the opportunity: why this might actually be one of the best moments to start investing. From understanding what a stock actually is to how the S&P 500 has remained a consistent force since the 1920s, they'll walk you through key financial terms, smart entry points, and what you should have in place before you make your next move. Whether you're new to investing or ready to take things to the next level, this episode will help you see the market more clearly and build confidence to step in. “We can't control the chaos, only how we respond” - T Rex You'll leave this episode with… A clear understanding of what tariffs are and how they impact your money. Why Trump's tariffs are shaking up the global economy and what it means for you. A fresh perspective on how turbulent markets can create smart investment opportunities. What the stock market actually is, and how it works in plain terms. The difference between bullish and bearish markets and why it matters. What the S&P 500 is and why it's been a stable force since the 1920s. What blue chip and small cap companies are, and how to invest in them wisely. The first steps to take if you're ready to start investing. What an emergency fund is and how much of your income should go into it. Simple tools and resources to help you start investing with confidence. How your company might be able to help you grow your investments. The Manhood Experiment that gives you the confidence and inspiration to start your investment journey. ----- Leave a Review: If you enjoyed the show, please leave us an encouraging review and tell us why you loved the show. Remember to click ‘subscribe' so you get all of our latest episodes. https://ratethispodcast.com/man What is the Manhood Experiment? It's a weekly podcast where we give you one experiment to level up your mind, career, business, health, relationships and more! For more tips and behind the scenes, follow us on: Instagram @ManhoodExperiment Tiktok @ManhoodExperiment Threads @ManhoodExperiment Submit your questions @ www.manhoodexperiment.com
Are you using 10 different platforms just to manage your nonprofit… and none of them connect? In this episode of A Modern Nonprofit Podcast, Tosha is joined by David Watters, CEO of Simple & Engaging, to talk automation, integration, and why tech doesn't have to be so overwhelming.From using free tools to automating the unglamorous work, Tosha and David reveal how modern nonprofits can reduce burnout, improve data integrity, and finally get their software stack to play nice. This episode is packed with real-life solutions to the tech headaches every nonprofit leader knows too well.
Do you have around $25,000 saved? Good news—you can invest in real estate! There are several ways to get started, but which investing strategy reigns supreme? We'll show you how to get the best bang for your buck so you can buy your next investment even faster! Welcome to another Rookie Reply! We went back into the BiggerPockets Forums and Real Estate Rookie Facebook group and found more investing questions from beginners just like you. Today's first question comes from an investor who's struggling to pick a market. Should they hone in on a single area, or will scouring multiple markets speed up their search for the perfect deal? You might be surprised to hear where Ashley and Tony land on this one! Then, we'll hear from an investor who has saved $25,000 to put towards their first rental property. Like many rookies, they're looking to scale their real estate portfolio fast, so we'll share our favorite strategies for doing just that—including a few outside-the-box ideas. Finally, how do you vet a co-signer when screening tenants? We'll show you how to cover all your bases! Looking to invest? Need answers? Ask your question here! In This Episode We Cover How to start investing in real estate with just $25,000 (or less) The best ways to put low (or no) money down on a rental property How to pick the right market to invest in (and when to pick multiple!) The key to finding more real estate deals with a “narrow” buy box How to properly vet a co-signer for your new tenant's lease And So Much More! Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/rookie-544 Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com. Learn more about your ad choices. Visit megaphone.fm/adchoices
Scared to start investing because you don’t want to mess it up? This one’s for you. This week, we’re tackling one of the most common DMs we get: How do I actually start investing without messing it up? We talk through the fear, the noise, and the pressure to “pick the right thing” and share how to take your first step with confidence. We also unpack a second dilemma that had us furious: a listener whose boss still owes her $5,000 in super and has completely ghosted her. We walk through what to do, how to report it, and why your future self can’t afford to let this one go. Plus we've got all the rouge content you know and love including an Aldi plumbing win (yes, really), an epic $10 rainbow cake, and some of the best money wins we’ve heard all week.Want to feel more confident with your investing? Our Investing Masterclass is now open for enrollments... come join us here! Starts April 1. Join our 300K+ She's on the Money community in our Facebook Group and on Instagram. Acknowledgement of Country By Natarsha Bamblett aka Queen Acknowledgements. The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 451289.See omnystudio.com/listener for privacy information.
4 Reasons Why Real Estate Always Wins Over Stocks, Crypto & More!
Forty-nine-year-old Jane has always been careful to squirrel money away, and a recent inheritance has boosted her nest egg to £125,000. But there's one problem: it's all in cash. Now, with half an eye on retirement, Jane wants to start investing but is unsure about how to do this.Presenter Claer Barrett hears from experts Emma Sterland, chief financial planning director at Evelyn Partners, and Investors' Chronicle editor Rosie Carr. Together, they discuss how Jane might make the most of tax-efficient vehicles like the stocks and shares Isa, how a first-time investor could build a diversified portfolio, and why knowing your reasons for investing is so important.Disclaimer: the Money Clinic podcast is intended as a general discussion about investing, and is not intended as financial advice or any kind of investment recommendation. Everybody's financial situation is different. You should always do your own research before you make any investment decisions. If you would like to be a guest on a future episode of Money Clinic, email us at money@ft.com or send Claer a DM on social media — she's @ClaerB on Twitter, Instagram and TikTok. Want more? Free links:Read Claer's recent column weighing up the likely effect of rumoured Isa reforms: https://on.ft.com/4hdLMX5What's going into your Isa this year? Read this guide about how to pick diversified investments by FT columnist Moira O'Neill: https://on.ft.com/4hcyKZPPresented by Claer Barrett, produced by Mischa Frankl-Duval, with mix and sound design from Breen Turner, Sam Giovinco and Joe Salcedo. The executive producer is Manuela Saragosa. Cheryl Brumley is the FT's head of audio.Read a transcript of this episode on FT.com Hosted on Acast. See acast.com/privacy for more information.
Hi everyone! Welcome back to another episode of The Chai on Life Podcast. I'm Alex Segal and today, we have Debbie Sassen, business coach, money mentor and host of the Jewish Entrepreneur Podcast joining us. She helps established entrepreneurs scale from six to seven figures with high-ticket offers, leveraged business models, and smart CEO strategies—all in alignment with Jewish values.Debbie is the go-to expert for business owners ready to charge more, raise their prices, and sell high-ticket offers with confidence—without feeling pushy or sleazy. She believes that money is intimately woven into every part of business, and that clearing money blocks makes growth, marketing, and sales infinitely easier.Her signature coaching program, Wired for Wealth, helps entrepreneurs scale sustainably with her 10-step leverage plan, Power of 1 method, and Sacred Sales Conversation process. Through her coaching, clients master their CEO mindset, leverage their time, and implement simple systems to create consistent $20K-$50K months—without sacrificing their faith, family, or freedom.Debbie believes that no woman - or man - should undercharge, undersell, or dim their light to build financial sustainability for their family.She is also, the mother of eight children bli ayin hara, so she has a LOT to share with us. I was really excited to dig into a conversation about money because I feel like it's a topic not often discussed. Even with close friends it can be awkward or weird to go into let alone people you know less well yet it's such an important and vital part of our lives. It's also one that a lot of people have a lot of feelings around. We all have attachment styles to money the same way we do with relationships and it's something we have to manage and encounter multiple times a day.In the Jewish world, there are extra expenses — Shabbos, kosher food, Pesach of course which is rapidly on its way, two sets of dishes, tuition, generally having more kids and of course so much more.In this episode we speak about:-The relationship Debbie had growing up to money and how that has developed and changed into how it is now-Women taking time off of a career for motherhood and how that impacts her involvement in household finances-Re-entering the workforce during motherhood and how so many women often underestimate themselves and their skills-Money and marriage — how to speak about it with your husband, designate certain roles if you would like to and maintain and gauge that trust and partnership in the relationship-We talk about spirituality within all of this — how Hashem comes into the picture with work, money and giving and how that all can contribute to a more secure attachment with our finances…and SO MUCH MOREDebbie is a wealth of knowledge — pun intended — and honestly, we cover so much and also just skimmed the surface. She has a ton of additional resources available which are all included in the show notes if you'd like to learn more or get in touch with her.Website: https://debbiesassen.com/Podcast: The Jewish Entrepreneur Podcast https://debbiesassen.com/podcast/Book, The $1K Investor: Simple Smart Steps to Start Investing with $1K or Less https://debbiesassen.com/book (links to Amazon)LinkedIn: https://www.linkedin.com/in/debbiesassen/Instagram: @debbiesassenFacebook: https://www.facebook.com/debbiesassencoaching Free resource: Your Money Mindset Workbook: https://debbiesassen.com/mindset/
The trade and commerce opportunities between the two countries are often the priority during Australia-Nepal bilateral meetings. Our Nepal correspondent, Prayas Dulal, recently spoke with Akhil Chapagain, Chairman of the Nepal-Australia Chamber of Commerce and Trade and poked questions about investment opportunities in Nepal. - अस्ट्रेलिया र नेपाल बिच सन् २०२२ मा करिब १३८.८ मिलियन डलर बराबरको व्यापार भएको तथ्याङ्कले देखाउँछ। उक्त डाटाका अनुसार, अस्ट्रेलियाबाट १२५ मिलियन डलर बराबरका सामान नेपालले आयात गरेको थियो भने सोही अवधिमा नेपालले मात्र १३.८ मिलियन डलर बराबरको सामान अस्ट्रेलिया निर्यात गरेको थियो। पछिल्ला वर्षहरूमा दुई देशबिचको व्यापार, आउँदा दिनका सम्भावनाहरू र अस्ट्रेलियामा रहेका नेपालीले नेपालमा गर्न सक्ने लगानीका बारे नेपाल अस्ट्रेलिया उद्योग वाणिज्य सङ्घका अध्यक्ष अखिल चापागाईँसँग प्रयास दुलालले गर्नुभएको कुराकानी सुन्नुहोस्।
Want to start investing in real estate but don't know where to begin? In this episode, Dave Dubeau sits down with real estate investor and broker Louis Gordon to talk about how homeowners can turn their primary residence into their first (and best) investment property. Louis breaks down house-hacking strategies, leveraging equity for future properties, and key tips for maximizing rental income. If you're looking for practical ways to start building wealth through real estate, this episode is for you! Want to start investing in real estate but don't know where to begin? In this episode, Dave Dubeau sits down with real estate investor and broker Louis Gordon to talk about how homeowners can turn their primary residence into their first (and best) investment property. Louis breaks down house-hacking strategies, leveraging equity for future properties, and key tips for maximizing rental income. If you're looking for practical ways to start building wealth through real estate, this episode is for you!
Think the BRRRR method (buy, rehab, rent, refinance, repeat) is dead because of high interest rates and rising home prices? Think again. We're doing BRRRR deals right now that are making us cash flow and serious equity while most investors sit on the sidelines. But how do we FIND these money-making BRRRR deals? We're sharing the new BRRRR formula in today's episode, along with more questions and answers from the BiggerPockets Forums. Besides uncovering our BRRRR secrets, we're helping an investor scale from single-family rentals to multifamily rentals. This is a BIG jump, and there's a smarter way to scale your way up to big, new-build multifamily buildings. Next, an investor finally sees the light, realizing cash flow ISN'T everything. He's about to walk into a nice chunk of equity with his new property, but is the cash flow TOO low (should he worry)? What were you thinking about when you were 18? Maybe you were stressing out about college applications or sleeping in until noon. One ambitious young investor wants to get his first rental at just 18 years old, but on this rare occasion, we advise against it. If you're in his position, too, we'd recommend doing something else first. Finally, are “small towns” too risky to invest in? How small is too small? We're getting into it in this episode! Looking to invest? Need answers? Ask your question on the BiggerPockets Forums! In This Episode We Cover: How to BRRRR in 2025 and how Henry finds his undervalued real estate deals The pitfalls of scaling from single to multifamily rentals and how to do it the right way Is a low cash flow rental worth it for a five-figure equity gain once purchased? How to start investing in real estate at a very young age (18 years old!) Investing in small towns and how to see where the big companies are going first And So Much More! Links from the Show Join BiggerPockets for FREE Let Us Know What You Thought of the Show! Ask Your Question on the BiggerPockets Forums BiggerPockets YouTube Apply to Be a Podcast Guest Try REsimpli, The Only All-In-One Real Estate Investor CRM Software That Helps You Manage Data, Marketing, Sales, and Operations Grab the BRRRR Book, “Buy, Rehab, Rent, Refinance, Repeat” Sign Up for the BiggerPocket Real Estate Newsletter Find an Investor-Friendly Agent in Your Area Ask Your Question on the BiggerPockets Forums Connect with Dave (00:00) Intro (01:00) How to BRRRR in 2025 (09:03) Scaling from Single to Multifamily (15:36) Low Cash Flow Worth It? (20:09) Start Investing at 18? (24:20) Buying in “Small” Towns (31:13) Ask Your Question! Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/real-estate-1086 Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com. Learn more about your ad choices. Visit megaphone.fm/adchoices
“I define wealth as the luxury of choice.” –Kaitlyn CarlsonDo you like the sound of financial freedom or work optional? If you're uninspired by the idea of a retirement fund and underwhelmed by the idea of money management, this conversation with certified financial planner Kaitlyn Carlson is for you.A financial planner helps you take the 30,000 foot view of your financial situation. They see your business, your other assets, your liabilities. They see where you are and where you want to be … and the different paths to get you there.If you are looking for the luxury of choice, wealth creation needs to be part of your plan.We talk about: Living in your purpose and looking at your work optional date3 levers you can change the numbers you settle on make you panicWriting down your financial goalsGrowth over time and why to start now even if you can't save what you think you should be savingUsing a retirement calculator Getting help with financial planning instead of feeling like you have to know everything about itABOUT KAITLYNKaitlyn is the Founder & CEO of Theory Planning Partners, a boutique wealth creation firm for the top female entrepreneurs in the United States.Before launching Theory Planning Partners, Kaitlyn spent the majority of her career at UBS Financial Services, Inc., where she held roles in both the southern and northeastern regions of the U.S. There, she developed more than 300 financial plans for clients with assets ranging from $500,000 to $1 Billion. Subsequently, she became an advisor on a private wealth management team that managed over $600 million for a few dozen families. Her career began in asset management with Putnam Investments.Kaitlyn is a CERTIFIED FINANCIAL PLANNER™️ (CFP®), Certified Exit Planning Advisor™️ (CEPA™️), and an Accredited Wealth Management Advisor (AWMA®). Outside of work, she is a spiritual seeker ravenous to understand why we are here and how to make a meaningful life.Kaitlyn lives in Marblehead, MA, with her husband, Jake, their three children, Russell, Luke, and Grace, and their affectionate dog, Bacchus. In her free time, she enjoys exercising, reading, traveling, and trying new restaurants around Boston.LINKStheoryplanning.comhttps://www.instagram.com/theoryplanningpartners/DOABLE CHANGESAt the end of every episode, we share three doable changes, so you can take what you've heard and put it into action. Change comes from action. Sometimes action gets a bad rap. You can be kind to yourself. You can practice being AND doing, but for change to happen you have to take steps. The way we take care of ourselves is making the steps doable and focusing on one thing at a time. We take time to integrate the change and then move on to the next one. Pick a Doable Change that resonates with you the most to start from. Here are three Doable changes that we chose from this conversation. FIND YOUR FREEDOM DATE NUMBER. Use a retirement calculator to figure out how much you need to live the lifestyle you want based on when you want to be work optional.ADJUST YOUR FINANCIAL FREEDOM NUMBER. If your freedom date number scares you, change one of the levers. You can adjust how long before your freedom date, how much money you want to live on monthly, or play with your savings rate. You can keep adjusting too.START INVESTING. Don't think that you have to hit your number right away. Start now with what you can do. Work toward reaching that monthly goal (and know that if you exceed it, you will make up for some of the lower months).
Max is 25, recently moved from New Jersey to Memphis, Tennessee, and is considering buying his first property but is hesitant due to market uncertainty. I suggest he focus on building a solid emergency fund, save a little more for a down payment, research the local housing market, and consider his long-term goals before making a purchase. Additionally, increasing savings and investing in retirement accounts can strengthen his financial position. Throwback Thursday Episode (The episode originally took place in the year 2020) Click Here for the Show Notes If you missed our last episode, be sure to listen to 2025 Housing Market Predictions for Real Estate Investors Download your FREE copy of: The Ultimate Guide to Passive Real Estate Investing. See our available Turnkey Cash-Flow Rental Properties. Please give us a RATING & REVIEW (Thank you!) SUBSCRIBE on iTunes | Stitcher | Podcast Feed
Learn how to shift your mindset from spending to investing, using real estate to build wealth and fund your lifestyle—without sacrificing financial freedom. Time Stamps: 0:00: Introduction 0:26: Brayden's Market Updates & Deal Insights 0:47: The Unexpected Deal That Fell Through 1:20: Lessons Learned: Why Our Lender Failed Us 1:52: The Importance of a Financing Contingency 2:24: The Hidden Risks We Take as Sponsors 3:19: Today's Topic: The Right Way to Think About Money 3:43: Money is Not Meant to Be Spent—Here's Why 4:45: The Common Mistake That Keeps People from Wealth 5:29: Investing vs. Spending: The Luxury Car Example 6:45: How to Use Real Estate to Fund Your Lifestyle 7:25: Breaking Down the Numbers: Cash Flow vs. Car Payments 8:46: The Power of Passive Income Over Time 9:49: How to 5X Your Net Worth with Smart Investing 10:38: The Worst Financial Mistake People Make 11:46: The Fastest Way to Build Wealth: Buy Assets First 12:27: Why Borrowing Money Can Be a Wealth-Building Tool 13:20: Final Thoughts: Change Your Mindset, Change Your Life *Be Sure to check us out on Spotify and Apple Podcasts for the Audio version of today's episode!** https://open.spotify.com/show/08KmNvqGV5HjmHUC8fLuce https://podcasts.apple.com/us/podcast/how-to-invest-in-commercial-real-estate/id1543470290 Leave a review and win FREE MERCH! https://maps.app.goo.gl/QaaSZnQVWre1HUMH6 Links mentioned in this episode: www.TheCriterionFund.com www.HowToInvestInCRE.TV Invest.HowToInvestInCRE.com To sign up for our exclusive investor list, click below. https://www.thecriterionfund.com/join-our-investor-list
This week we're talking about "late bloomers" — the "over 40, mid-life-ish, but don't-say-that-to-us" gang who are just now getting their financial life together.This was a requested episode so we're skipping the generic "just do it" advice and getting into the nitty-gritty of what it actually takes to build wealth when you're not starting in your 20s. We're discussing the psychological hurdles, the structural roadblocks, and how to create a financial plan that works for you, no matter what age. If you're ready to say "enough" to feeling behind and start building your financial future, this episode is for you.Here's what we cover:Why people become late starters The importance of accepting your starting point (no, we're not gonna sugar coat it)How to let go of the "what ifs" and embrace your new pathRewriting the rules when traditional financial advice isn't always the most helpfulAdapting strategies for a shorter timeline and setting goals that are both realistic and motivatingThe surprising power of community and why you should become a good neighborWhy automation and technology are your friends, not your enemiesA reminder that your tax dollars can be a source of real benefits Take action:Help us out and leave a 5-star review on your favorite podcast platformJoin the discussion and leave a comment on any of our social platforms Connect with Julien and Kiersten on our website, Instagram, Twitter, and YouTube.Join our email list to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life. Get our book Cashing Out: Win the Wealth Game by Walking Away, named 2023 best overall book about investing by Business Insider and one of the best personal finance books by ForbesIf you would like to learn more about investing, check out our newest class, Making Money Grow
Yo Quiero Dinero: A Personal Finance Podcast For the Modern Latina
Episode 307 features Tess Waresmith of Wealth with Tess! We're discussing how to start investing. Listen now!Tess Waresmith is an investing educator and founder of Wealth with Tess, a financial education community that helps millennial women learn how to grow their money using simple investing strategies so that they can retire comfortably and live life on their terms.After losing thousands in investing mistakes in her 20's, Tess learned everything she could about wealth building and built her net worth from 0 to over 1 million as a single 35 year old woman. Tess's story and business was recently featured on Business Insider and Fox 5.Now she's on a mission to reduce the gender wealth gap and help more women build wealth through digestible, judgement and jargon-free education. Thousands of women have attended her free investing workshops and hundreds of women have joined her small group coaching programs.For full episode show notes, visit here.Watch the full interview on our YouTube channel! Subscribe here.My new book is officially available to buy! Order Financially Lit! Today!Want our merch? Get yours here!Check out this YQD™ Sponsor:BetterHelp—Professional support when you need it, at a fraction of the cost of in-person therapy. Get 10% off your first month with our sponsor: https://betterhelp.com/dinero Become a member at https://plus.acast.com/s/YoQuieroDinero. Hosted on Acast. See acast.com/privacy for more information.
Friday - Clark Stinks day! Christa shares Clark Stinks posts with Clark. Submit yours at Clark.com/ClarkStinks. Also in this episode, how people end up losing money when they change jobs and what you can do about it. Clark Stinks: Segments 1 & 2 401(k)s And Changing Jobs: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Do I Really Need To Put Premium Gasoline in My Vehicle? [The Washington Post] New job? You may be leaving behind thousands in 401(k) savings. Changing Jobs? Don't Make This Costly Retirement Mistake How to Start Investing: 10 Steps for Beginners How To Open a Roth IRA Best 529 College Savings Plans By State Clark.com resources Episode transcripts Community.Clark.com / Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices
Real estate prices might feel intimidating, but opportunities still exist for everyone. Kris Krohn breaks down how you can start investing with $5K, $25K, or $50K, revealing the strategies that work in today's market. Learn why real estate prices continue to rise and how demand is shaping the future of the market. Whether you're ready to go solo or partner with experts, this episode will show you how to turn any budget into a pathway to financial freedom.
There is an easier way to invest in real estate in 2025. It doesn't require a ton of money or experience; anyone can do it (even a complete beginner), and it'll lead to you having more money, more passive income, and a bigger bank account. Successful real estate investors agree: this is a “cheat code” to start investing in real estate in 2025. What are we talking about? It's not short-term rentals or buying apartment complexes; it's actually extremely simple—house hacking. Both Dave and Henry used this low-money down, high-impact real estate investing strategy to grow their portfolios to be worth multiple million dollars. It's the BEST way for a beginner to get into the real estate investing game and allows you to buy properties with just a fraction of a regular down payment. We're so convinced that it's the best bet for beginners that we're bringing on the BiggerPockets Real Estate Podcast producer Ian Kay, a complete real estate beginner, to walk him through how to use this exact strategy to start his real estate portfolio. We'll break down the numbers to show how one smart investment can fund your dream home and leave you tens of thousands richer. Ready to invest in 2025? Then don't sleep on house hacking! In This Episode We Cover: The easiest, most beginner-friendly way to start investing in real estate in 2025 One simple investing mistake that could cost you $60K+ (and how to avoid it) The steps you should start taking NOW to get your first investment property in 2025 How to analyze a house hack and crucial metrics to check BEFORE you buy In analysis paralysis? This is what to do NOW to get out of it and get closer to your goals And So Much More! Links from the Show Join BiggerPockets for FREE Let Us Know What You Thought of the Show! Ask Your Question on the BiggerPockets Forums BiggerPockets YouTube BiggerPockets Deal Finder Let Us Know What You Thought of the Show! Grab the Book on House Hacking, “The House Hacking Strategy” Find an Investor-Friendly Agent in Your Area House Hacking 101: What It Is and How to Get Started Connect with Ian Connect with Henry Connect with Dave (00:00) Intro (02:20) Want to Start Investing? (04:54) What Do YOU Want to Achieve? (08:23) House Hacking (Easiest First Investment) (18:42) Analyzing a House Hack (23:40) What to Do RIGHT NOW (32:59) Stuck in Analysis Paralysis? (34:13) Next Steps Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/real-estate-1067 Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com. Learn more about your ad choices. Visit megaphone.fm/adchoices
Think real estate is out of reach with today's sky-high prices? Think again! In this episode, Chris Krohn reveals how you can start investing in real estate with as little as $5,000. Don't miss these game-changing strategies to grow your wealth in any market!
Happy Holidays! Please enjoy this Best Of episode. Clark returns January 3rd. How do we determine our “magic number” - the amount we need to retire? Clark weighs in on the debate about how much it takes to be financially secure, and how to start and keep making progress. Also today -private placements, hedge funds, limited partnerships, private equity - beware of this type of non-traditional investment “opportunity”. Even when they're legit, there's no liquidity, and extremely high expenses. It pays to know why you need to avoid investing with anyone who is not a fiduciary. How Much Do You Need To Retire: Segment 1 Ask Clark: Segment 2 Risky Investment Pitches: Segment 3 Ask Clark: Segment 4 Mentioned on the show: How Much Do You Need To Retire? How to Start Investing: 10 Steps (Clark.com) How To Save Money: Spend Less & Build Your Savings Warning: Here's What Those Debt Settlement Companies Don't Tell You Clark Howard's 2024 Credit Card Debt Elimination Strategy 6 Things To Know Before Contacting the National Foundation for Credit Counseling Best 529 College Savings Plans By State How To Open a Roth IRA The AJC: Atlanta hedge fund manager charged in $10M fraud scheme Best Financial Advisors in 2024 Should You Make Your Child an Authorized User on Your Credit Card? Best Credit Cards for Students: Top Picks for 2024 Travel Archives - Clark Howard 4 Ways To Get Your Free Credit Score Clark.com resources Episode transcripts Community.Clark.com Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices
⭐ Join Rental Property Mastery, my community of rental investors on their way to financial freedom: http://coachcarson.com/rpm
Most people get turnkey real estate investing all wrong. They either think it's a completely hands-off investment like stocks or that all turnkey real estate companies offer the same product. Both of these assumptions can be dangerous when investing in what should be an easier, less stressful, and far more scalable type of real estate investment—turnkey rentals. If you invest in truly turnkey real estate, you'll get all the benefits of regular rental properties with MANY of the headaches already dealt with. What do we mean? We're bringing back repeat guest Chris Clothier, turnkey provider and investor for over twenty years, to explain exactly what turnkey real estate is and whether or not it's right for you. Chris describes the danger of thinking that every “turnkey” company is actually turnkey and signs that the company you're dealing with could be selling you a bad deal. Plus, who should buy turnkey in the first place? Is it only for beginners, or do experienced investors move their money into these properties, too? How much money do turnkey properties make? We're sharing those stats and the two questions you MUST ask a turnkey company before you work with them! In This Episode We Cover: Turnkey real estate investing explained and why so many investors get this definition wrong How much turnkey rentals can make you in 2025 (actual return estimates) The two questions you MUST ask a turnkey provider to prove they're legit Signs of a good turnkey real estate deal and why you should NOT buy properties under a certain price point Why turnkey real estate investing isn't just for beginners And So Much More! Links from the Show Join BiggerPockets for FREE Let Us Know What You Thought of the Show! BiggerPockets Real Estate 26 - Building a Scalable Real Estate Business and Tenant Management Tips with Chris Clothier BiggerPockets Real Estate 122 - 5 Myths Holding Investors Back From Real Estate Greatness with Chris Clothier BiggerPockets Real Estate 224 - Building a Process to Buy 17 Deals a Week with Chris Clothier BiggerPockets Real Estate 380 - Profitable Landlording in a Crisis with Mike Butler, Chris Clothier, and Dave Poeppelmeier Grab Dave's New Book, “Start with Strategy” Property Manager Finder Turnkey Real Estate Investing: Complete Guide Connect with Chris Connect with Dave Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/real-estate-1049 Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com. Learn more about your ad choices. Visit megaphone.fm/adchoices