Podcasts about step plan

In this episode of the Power of Zero Show David McKnight gives you a blueprint with the key steps to follow for a successful and stress-free retirement if you're about five years away. The first step is figuring out your retirement income shortfall, the income you'll need every month in retirement, as well as how much of that will be covered by sources like Social Security and pensions. The retirement income shortfall represents the amount of income your retirement assets need to produce in order to fund your lifestyle. One strategy many retirees rely on is taking a portion of their liquid retirement savings, often from a traditional IRA or 401(k), and rolling it into an annuity designed to produce inflation-adjusted lifetime income. The second pillar of the blueprint discussed by David are investments: Roughly 70% to a total U.S. stock market index fund, and 30% to a total international stock market index fund. While things like paying the electric bill or putting food on the table are covered by your guaranteed income sources, this portfolio is designed to fund discretionary expenses (e.g. taking the grandkids to Disneyland, traveling, etc.) and unexpected shock expenses. David emphasizes that, by investing this discretionary bucket entirely in stocks rather than bonds, you increase the likelihood that the portfolio will last through your actuarial life expectancy. "When properly structured and funded, an index universal life policy or IUL can serve as a volatility buffer within your retirement plan", says David. Furthermore, a IUL policy can also provide a death benefit that can be accessed in advance of your death for the purpose of paying for long-term care… Remember: Retirement planning isn't about guessing what the market will do, it's about building a system where your basic needs are guaranteed, your growth assets continue compounding and you have the tools in place to manage volatility and unexpected risks.     Mentioned in this episode: David's new book, available now for pre-order: The Secret Order of Millionaires David's national bestselling book: The Guru Gap: How America's Financial Gurus Are Leading You Astray, and How to Get Back on Track Tax-Free Income for Life: A Step-by-Step Plan for a Secure Retirement by David McKnight DavidMcKnight.com DavidMcKnightBooks.com PowerOfZero.com (free video series) @mcknightandco on Twitter  @davidcmcknight on Instagram David McKnight on YouTube Get David's Tax-free Tool Kit at taxfreetoolkit.com

Not every business owner wants to build a big company with employees and layers of management. Some people simply want a profitable business they can run themselves. And that is completely valid. Let's talk about the realities of staying solo in business. There are challenges, including the lack of income security when work slows down. But there are also powerful advantages if you run the business intentionally. We discuss how solo business owners can maximize their profits by focusing on efficiency, pricing correctly, and knowing exactly what financial goal they are working toward. When you understand your numbers and work backward from the income you want to earn, you can build a small business that is both simple and highly profitable. You do not have to build a huge company to win. You just need a plan and a clear focus on profit. -----------------------------   DIVE IN DEEPER & LEARN MORE ABOUT YOUR NUMBERS

Ben Ennis and Brent Gunning wrap up Thursday with Toronto Star writer and Leafs historian Damien Cox. They discuss how the Maple Leafs can return to playoff contention, the need for a president of hockey operations, and whether Brad Treliving deserves another chance. They also explore accountability within the front office, the implications of no-trade clauses, and potential leadership candidates. After the break, they welcome new TFC player Josh Sargent (24:38), who shares his excitement about joining the team, his impressions of Toronto, and the perception of MLS in Europe. He reflects on his World Cup experience and the budding rivalry in CONCACAF between Canada and the U.S. They conclude by previewing the Leafs' game against the Ducks tonight. The views and opinions expressed in this podcast are those of the hosts and guests and do not necessarily reflect the position of Rogers Sports & Media or any affiliate.

Today's episode of the Power of Zero Show sees David McKnight address one of the most important decisions you'll ever make in retirement: where you should withdraw money from first. It's important to note that the sequence in which you draw down your retirement dollars can dramatically affect how long your money lasts and how much of it you get to keep. Since the Trump tax cuts were permanently extended on July 4th, 2025, retirees have been presented with one of the most significant tax planning windows they may ever see. The national debt continues to grow – with Social Security and Medicare obligations expanding every year, and interest on the national debt taking up a larger and larger share of the federal budget. Analysts at the Congressional Budget Office and several independent economists agree that, although the 2025 extension has delayed the inevitable, it has not solved the underlying math… In or around 2035, the Government will have to raise revenue to keep pace with rising expenditures. Every dollar you withdraw from tax-deferred accounts – like IRAs, 401(k)s, 403bs, 457s – is a dollar tax rate that may be the lowest you're likely to see in your lifetime. "The goal isn't to eliminate RMDs entirely but to shrink your tax-deferred bucket to the point where these distributions are completely absorbed by your standard deduction", says David. "That means tax-free distributions from IRAs and 401(k)s. Many experts have warned people: if the U.S. doesn't right its fiscal ship of state by 2043, no combination of raising taxes or reducing spending will arrest the financial collapse of the country. You're living in a decade where taxes are as low as you've seen in your lifetime… …and even though the tax cuts were extended indefinitely, the long-term fiscal math still points in one clear direction.     Mentioned in this episode: David's new book, available now for pre-order: The Secret Order of Millionaires David's national bestselling book: The Guru Gap: How America's Financial Gurus Are Leading You Astray, and How to Get Back on Track Tax-Free Income for Life: A Step-by-Step Plan for a Secure Retirement by David McKnight DavidMcKnight.com DavidMcKnightBooks.com PowerOfZero.com (free video series) @mcknightandco on Twitter  @davidcmcknight on Instagram David McKnight on YouTube Get David's Tax-free Tool Kit at taxfreetoolkit.com

What does it mean that God foreknew? How does predestination work? Why are we all of a sudden talking about skiing? What does it look like for us to be called? How are we justified? What does it mean to be glorified? All this and more on this week's episode. Enjoy!

Most people treat their tax refund like extra money.But a refund is actually money you already earned, returned after overpaying taxes during the year.In this episode of The Financial Mirror, we walk through a calm, practical system for deciding exactly what your tax refund should do.You'll learn:• Why tax refunds often get wasted • The 4-step priority system for using your refund wisely • When it's completely okay to spend some of it • How to automate your money so the plan actually happens • How small financial decisions can improve long-term stabilityWhether your refund is a few hundred dollars or several thousand, this framework can help you make a confident decision.**Support the Stream By Shopping at Our Store** Buy Your Financial Mirror Gear: https://www.thefinancialmirror.org/shop YouTube: https://www.youtube.com/@thefinancialmirrorRumble: https://rumble.com/TheFinancialMirrorFacebook: https://www.facebook.com/thefinancialmirr0rX: https://twitter.com/financialmirr0rInstagram: https://www.instagram.com/thefinancialmirror/Podcast: https://creators.spotify.com/pod/show/thefinancialmirrorIf you are in need of a Financial Coach, don't waste another day of being in debt, not planning for retirement, or simply wondering where your money went each month. Today is the day to take control of your finances and I can help, no issue is too big or too small. Contact me at https://www.thefinancialmirror.org/#TaxRefund #PersonalFinance #MoneyManagement #FinancialPlanning #DebtFreeJourney #InvestingBasics #MoneyHabits #FinancialEducation #emergencyfund #savings #financialliteracy #moneymanagement #financialfreedom #budgeting #budget #budgettips

Many small business owners get excited about sales numbers, but sales alone do not determine success. The real measure of a healthy business is profit. In this episode we talk about the difference between the top line and the bottom line. You will learn why focusing only on sales can leave you working harder without actually making more money. A business with strong sales but weak profits will struggle to pay bills, invest in growth, or pay the owner what they deserve. If you want a successful business, you have to pay attention to your numbers and focus on building profitable sales. Because at the end of the day, the bottom line is what truly matters. -----------------------------   DIVE IN DEEPER & LEARN MORE ABOUT YOUR NUMBERS

Sean Tumilson and co-host Chuck the Bot give you a plan to build wealth in an era that seems challenging economically...Part I: Is the American Dream Actually Dead?Part II: The Late 20th Century vs. The 21st Century EconomyPart III: The New American DreamPart IV: A 5-Step Plan to Build Wealth in the 21st CenturyIf you enjoy this daily show, tap ‘Follow' on Spotify or Apple Podcasts so you never miss an episode. And leave us a quick rating — it really helps others discover KeepTalking.

What if you had just seven years to retire and nothing prepared? Most will tell you it's too late, lower your expectations, and settle for less. Omar knows that's wrong. In this Q&A Wednesday episode, Omar answers a question from Vicki, a 53‑year‑old former accountant and empty nester, who is starting late but determined to retire in seven years. Instead of the usual “save harder and sacrifice more” advice, Omar shares the unconventional approach he used himself to turn zero savings into a comfortable retirement. He explains why traditional thinking won't cut it, how to shift from defense to offense, and what really matters when time isn't on your side. If you want to start planning your own seven‑year retirement roadmap, press play at the top of this page and learn the exact steps you can take today. MBA2750 How To Retire In 7 Years Starting With $0 (Proven Step-By-Step Plan) Recommended episode to explore:How To Make Your First Million Dollars In One Year Without Getting Lucky (No Matter Your Circumstances) Watch the episodes on YouTube: https://lm.fm/GgRPPHiSUBSCRIBEYouTube | Apple Podcast | Spotify | Podcast Feed Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

David McKnight discusses the allocation of $1M if he had it to invest in 2026.  David sees a taxable brokerage account as the least efficient investment account you could possibly own – since it's taxed every year and it's exposed to both short- and long-term capital gains. While this type of account is liquid and can serve as an excellent emergency fund, it's the most tax-unfriendly of all the investment alternatives. The goal, says David, isn't to grow wealth within this type of account, rather to use it as a funding source to systematically build multiple tax-free income streams for retirement. Roth IRAs, which can be funded for a combined $17,200 per year (for your and your spouse's Roth IRA) is the first place David believes the money should go. Next, you should aim at maxing out your Roth 401(k)s – which is $24,500 a person for people under 50 and $32,500 per person. David explains how you can convert taxable money into tax-free money without triggering a massive taxable event and without disrupting your lifestyle. 70% total U.S. stock market index fund, 30% total international stock market index fund is the only allocation you'll ever need, says David. Having to properly structure and fully fund an indexed universal life policy (IUL) is the most misunderstood piece of the strategy discussed by David. The idea is to see an IUL as a way to grow a portion of the $1M portfolio safely and productively, and not to use it as an investment replacement or stock alternative… Historically, IULs have grown 5-7% in net fees over time – with zero stock market risks. The goal of day one of retirement is to have 3-5 years of living expenses sitting in your IUL's cash value, tax-free. This is your volatility buffer. According to a recent Ernst & Young study, the strategy discussed in this episode provides far more income, a far greater likelihood that your money will last through life expectancy and far more money to the next generation compared to the investment-only approach. Suze Orman recommends the exact same strategy but with a difference: Instead of using an IUL she suggests using a savings account that has rock bottom taxable rates of return. However, an IUL is a more effective tool, as it grows far more productively as tax-free, protects your principal, and the death benefit can double as long-term care protection. David's strategy doesn't include bonds as an IUL is safer: No sequence of returns risk early in retirement, not being forced to sell stocks in a down market. "I generally don't ever recommend bonds. There are far better instruments that are safer, more productive, and more tax-efficient tools, with IUL being one of them", illustrates David.  Many experts expect tax rates to rise dramatically by 2035 to pay interest on the national debt, bail out Social Security, and bail out Medicare and Medicaid. When that happens, you just don't want to be sitting on a massive taxable account..! The goal is to shift as much as possible from the $1M portfolio into tax-free accounts before 2035 – you want to have them in your Roth IRAs, Roth 401(k)s, and IUL cash value. Conversely, you only want about six months' worth of living expenses sitting in your taxable account.     Mentioned in this episode: David's new book, available now for pre-order: The Secret Order of Millionaires David's national bestselling book: The Guru Gap: How America's Financial Gurus Are Leading You Astray, and How to Get Back on Track Tax-Free Income for Life: A Step-by-Step Plan for a Secure Retirement by David McKnight DavidMcKnight.com DavidMcKnightBooks.com PowerOfZero.com (free video series) @mcknightandco on Twitter  @davidcmcknight on Instagram David McKnight on YouTube Get David's Tax-free Tool Kit at taxfreetoolkit.com Dave Ramsey Ernst & Young Suze Orman

How much can you pay yourself in your small business? The answer isn't a guess, it starts with knowing your numbers. Too many business owners pull money out daily for food, gas, or personal expenses without realizing they're already paying themselves… just without a plan. If your pricing doesn't include your labor hours, you're underpaying yourself before you even start. Your Profit & Loss statement shows you the real flow of money in and out of your business and helps you determine what's actually available. In this video, we break down how to think about paying yourself both as an "employee" in your business and as the owner. Whether it's salary, owner draws, or both! It all starts with understanding your current situation and building a plan around real numbers. If you want to get paid consistently and confidently, your numbers have to lead the way.   -----------------------------   DIVE IN DEEPER & LEARN MORE ABOUT YOUR NUMBERS

Here's my step-by-step plan for becoming a social media manager an earning your first $5K a month! Join the Social Media Management Accelerator: https://courses.latashajames.com/courses/smmaThanks to Metricool for sponsoring this episode. Get 30 days free on any Metricool plan with code LATASHA using this link: ⁠https://metricool.com/?utm_source=youtube&utm_medium=influencer&utm_campaign=20260227_latasha-james_sign-up_en&utm_content=video&utm_term=q1Try HoneyBook FREE for 7 days + 30% off for your first year: http://share.honeybook.com/latasha 

If you are dealing with a narcissist in divorce, custody battles, business, or a toxic relationship, this episode reveals a proven 4-step strategy to take your power back. Learn the psychology behind narcissistic manipulation, love bombing, trauma bonding, smear campaigns, and how to negotiate effectively using the SLAY method. This is a masterclass in narcissism recovery, high-conflict negotiation, and emotional self-defense.

This episode of The Power of Zero Show sees David McKnight discussing the single most hated retirement strategy in America: annuities. Interestingly enough, annuities are also one of the most powerful tools you can use to protect yourself from the biggest financial risk you face in retirement. Longevity risk, a retirement danger most retirees never fully grasp, is the reason why this topic matters so much. As David explains, "Longevity risk is the risk of living longer than you expected, running out of money before you run out of life."  While some people shrug longevity risk off as a good problem to have, it's actually the biggest risk in retirement (from a financial standpoint), as it is a risk amplifier. In other words, it magnifies everything else that can go wrong – such as inflation, long-term care, withdrawal risk, and sequence of returns risk. The reasons why many people hate annuities are legitimate, while others are propaganda. For more than 20 years, Kenneth Fisher has led a massive anti-annuity crusade. Remember: there's only one way to truly eliminate longevity risk from your retirement, and that's through a guaranteed lifetime stream of income in the form of an annuity. Research on annuities – something that has been ongoing for the last four decades – has shown that people with a guaranteed lifetime income tend to spend more freely in retirement than people living solely off an investment portfolio. David touches upon Richard Thaler's concept of the Annuity Puzzle. Annuities solve a problem that no stock portfolio ever can: a portfolio can't guarantee lifetime income you cannot outlive. With the American national debt exploding, which would probably lead to higher tax rates, an internal Roth conversion allows you to get ahead of that.     Mentioned in this episode: David's new book, available now for pre-order: The Secret Order of Millionaires David's national bestselling book: The Guru Gap: How America's Financial Gurus Are Leading You Astray, and How to Get Back on Track Tax-Free Income for Life: A Step-by-Step Plan for a Secure Retirement by David McKnight DavidMcKnight.com DavidMcKnightBooks.com PowerOfZero.com (free video series) @mcknightandco on Twitter  @davidcmcknight on Instagram David McKnight on YouTube Get David's Tax-free Tool Kit at taxfreetoolkit.com Kenneth "Ken" Fisher Richard Thaler

If your baby falls asleep at bedtime… only to wake up crying 30, 45, or 90 minutes later, you're not alone. In this episode, we're talking about false starts- one of the most common (and frustrating) sleep struggles between 5–18 months. You'll learn: What a false start actually is What's happening in your baby's body during that first sleep cycle The four most common causes Why cutting naps or keeping your baby up later often makes it worse Where to start if bedtime keeps falling apart False starts are not a parenting failure. They're usually a schedule alignment issue, and misalignment can be adjusted. If bedtime has been confusing or discouraging, this episode will give you clarity and direction. I pray this brings you rest, and remember…you matter too, mama!   Ready for a Step-by-Step Plan? If you want the exact order to fix false starts, with age-specific adjustments and clear schedule guidance, I created a practical guide to walk you through it.

If you're an entrepreneur or founder who feels like you have to work twice as hard just to keep your business from spiraling, you're not alone—and your company's chaos might not just be “part of the job.”Most founders don't realize their business “vibe” is a mirror of their brain. ADHD traits like chasing dopamine, avoiding conflict, or struggling with structure aren't just personality quirks– they ripple through your team, processes, and business operations.Whether you're a founder, team lead, or anyone building something from scratch, this episode will deliver a clear framework to assess your current culture, recognize what's working (and what's not), and take the first practical steps toward building a company that truly fits and supports the neurodivergent way you do business.Organizational Psychologists Quinn & Cameron identified that 90% of companies worldwide fall into one of these four types of company cultures in their Competing Values Culture Model: Clan (Family): Collaborative, relationship-focused, but slow to make tough calls.Adhocracy (Innovators): Fast-paced, risk-taking, constant brainstorming – but often unstable and unfinished.Market (Competitors): Results-driven, clear metrics, high stakes – can burn people out.Hierarchy (Machine): Structured, predictable, rule-heavy – can stifle creativity.Most founders with ADHD unintentionally create either:“Accidental Adhocracy”: Innovative (read: scattered), chasing novelty for dopamine, team struggles with chaos and change, projects rarely get finished.“Accidental Clan”: Warm, fuzzy, avoiding confrontation, underperformers stick around, roles are blurry, you feel more like a therapist than a CEO.3-Step Plan to Build Your Business Culture on Purpose1. Honestly Assess Your Current CultureAsk tough questions—from “Who really solves problems here?” to “How many projects did we actually finish this quarter?”2. Get Real About What's Working… and What's NotList out where your accidental culture is winning—and where it's burning you or your team out.3. Pick ONE High-Leverage ChangeDon't try to overhaul it all. Make one intentional hire (like a project manager or COO) or put a single new process between your ideas and your team. Act, observe, and iterate.You get to choose your culture.The question isn't if your ADHD is shaping your business, but how.About the Host, Diann Wingert:Drawing from her experience as a psychotherapist and serial business owner and her understanding of ADHD, Diann empowers founders to understand the default culture their ADHD brain creates, and shows them how to transform it into a purpose-driven environment that supports both their goals and the well-being of their team.Sharing is CaringKnow a fellow ADHD founder who's quietly fighting fires (or fighting themselves) every day? They might need this wake-up call, too, so be a pal and share the episode.Want one-on-one support? If you're ready to intentionally design a company culture that works with your ADHD,

If you're an entrepreneur or founder who feels like you have to work twice as hard just to keep your business from spiraling, you're not alone—and your company's chaos might not just be “part of the job.”Most founders don't realize their business “vibe” is a mirror of their brain. ADHD traits like chasing dopamine, avoiding conflict, or struggling with structure aren't just personality quirks– they ripple through your team, processes, and business operations.Whether you're a founder, team lead, or anyone building something from scratch, this episode will deliver a clear framework to assess your current culture, recognize what's working (and what's not), and take the first practical steps toward building a company that truly fits and supports the neurodivergent way you do business.Organizational Psychologists Quinn & Cameron identified that 90% of companies worldwide fall into one of these four types of company cultures in their Competing Values Culture Model: Clan (Family): Collaborative, relationship-focused, but slow to make tough calls.Adhocracy (Innovators): Fast-paced, risk-taking, constant brainstorming – but often unstable and unfinished.Market (Competitors): Results-driven, clear metrics, high stakes – can burn people out.Hierarchy (Machine): Structured, predictable, rule-heavy – can stifle creativity.Most founders with ADHD unintentionally create either:“Accidental Adhocracy”: Innovative (read: scattered), chasing novelty for dopamine, team struggles with chaos and change, projects rarely get finished.“Accidental Clan”: Warm, fuzzy, avoiding confrontation, underperformers stick around, roles are blurry, you feel more like a therapist than a CEO.3-Step Plan to Build Your Business Culture on Purpose1. Honestly Assess Your Current CultureAsk tough questions—from “Who really solves problems here?” to “How many projects did we actually finish this quarter?”2. Get Real About What's Working… and What's NotList out where your accidental culture is winning—and where it's burning you or your team out.3. Pick ONE High-Leverage ChangeDon't try to overhaul it all. Make one intentional hire (like a project manager or COO) or put a single new process between your ideas and your team. Act, observe, and iterate.You get to choose your culture.The question isn't if your ADHD is shaping your business, but how.About the Host, Diann Wingert:Drawing from her experience as a psychotherapist and serial business owner and her understanding of ADHD, Diann empowers founders to understand the default culture their ADHD brain creates, and shows them how to transform it into a purpose-driven environment that supports both their goals and the well-being of their team.Sharing is CaringKnow a fellow ADHD founder who's quietly fighting fires (or fighting themselves) every day? They might need this wake-up call, too, so be a pal and share the episode.Want one-on-one support? If you're ready to intentionally design a company culture that works with your ADHD,

If you want real profit in your business, it's time to get serious. Stop waiting for growth to magically happen and start paying attention to your numbers. Profit doesn't come from hope. It comes from action, planning, and knowing exactly what's happening inside your business. -----------------------------   DIVE IN DEEPER & LEARN MORE ABOUT YOUR NUMBERS

Today, on Karl and Crew, we kicked off our weekly theme, “the Power of Prayer,” with a discussion with Dr. Adam Rasmussen about the statistics on sinful behavior in the Christian life. Dr. Rasmuseen is a fellow at the Cultural Research Center and the Dean of the College of Arts and Humanities at Arizona Christian University. We then had Dr. David Clarke join us to discuss recognizing narcissism in marriage and the negative impact of it. David is a Christian psychologist, author, YouTuber, TikToker, and podcaster. His podcast is called Enough is Enough. He has also written several books, including “Enough is Enough: A Step-by-Step Plan to Leave an Abusive Relationship with God’s Help.” You can hear the highlights of today's program on the Karl and Crew Showcast. If you're looking to hear a particular segment from the show, look at the following time stamps: Dr. Adam Rasmussen Interview [23:19] Dr. David Clarke Interview [35:22] Karl and Crew airs live weekday mornings from 5-9 a.m. Central Time. Click this link for ways to listen in your area! https://www.moodyradio.org/ways-to-listen/Donate to Moody Radio: http://moodyradio.org/donateto/morningshowSee omnystudio.com/listener for privacy information.

Today, on Karl and Crew, we kicked off our weekly theme, “the Power of Prayer,” with a discussion with Dr. Adam Rasmussen about the statistics on sinful behavior in the Christian life. Dr. Rasmuseen is a fellow at the Cultural Research Center and the Dean of the College of Arts and Humanities at Arizona Christian University. We then had Dr. David Clarke join us to discuss recognizing narcissism in marriage and the negative impact of it. David is a Christian psychologist, author, YouTuber, TikToker, and podcaster. His podcast is called Enough is Enough. He has also written several books, including “Enough is Enough: A Step-by-Step Plan to Leave an Abusive Relationship with God’s Help.” You can hear the highlights of today's program on the Karl and Crew Showcast. If you're looking to hear a particular segment from the show, look at the following time stamps: Dr. Adam Rasmussen Interview [23:19] Dr. David Clarke Interview [35:22] Karl and Crew airs live weekday mornings from 5-9 a.m. Central Time. Click this link for ways to listen in your area! https://www.moodyradio.org/ways-to-listen/Donate to Moody Radio: http://moodyradio.org/donateto/morningshowSee omnystudio.com/listener for privacy information.

Today, on Karl and Crew, we kicked off our weekly theme, “the Power of Prayer,” with a discussion with Dr. Adam Rasmussen about the statistics on sinful behavior in the Christian life. Dr. Rasmuseen is a fellow at the Cultural Research Center and the Dean of the College of Arts and Humanities at Arizona Christian University. We then had Dr. David Clarke join us to discuss recognizing narcissism in marriage and the negative impact of it. David is a Christian psychologist, author, YouTuber, TikToker, and podcaster. His podcast is called Enough is Enough. He has also written several books, including “Enough is Enough: A Step-by-Step Plan to Leave an Abusive Relationship with God’s Help.” You can hear the highlights of today's program on the Karl and Crew Showcast. If you're looking to hear a particular segment from the show, look at the following time stamps: Dr. Adam Rasmussen Interview [23:19] Dr. David Clarke Interview [35:22] Karl and Crew airs live weekday mornings from 5-9 a.m. Central Time. Click this link for ways to listen in your area! https://www.moodyradio.org/ways-to-listen/Donate to Moody Radio: http://moodyradio.org/donateto/morningshowSee omnystudio.com/listener for privacy information.

Today, on Karl and Crew, we kicked off our weekly theme, “the Power of Prayer,” with a discussion with Dr. Adam Rasmussen about the statistics on sinful behavior in the Christian life. Dr. Rasmuseen is a fellow at the Cultural Research Center and the Dean of the College of Arts and Humanities at Arizona Christian University. We then had Dr. David Clarke join us to discuss recognizing narcissism in marriage and the negative impact of it. David is a Christian psychologist, author, YouTuber, TikToker, and podcaster. His podcast is called Enough is Enough. He has also written several books, including “Enough is Enough: A Step-by-Step Plan to Leave an Abusive Relationship with God’s Help.” You can hear the highlights of today's program on the Karl and Crew Showcast. If you're looking to hear a particular segment from the show, look at the following time stamps: Dr. Adam Rasmussen Interview [23:19] Dr. David Clarke Interview [35:22] Karl and Crew airs live weekday mornings from 5-9 a.m. Central Time. Click this link for ways to listen in your area! https://www.moodyradio.org/ways-to-listen/Donate to Moody Radio: http://moodyradio.org/donateto/morningshowSee omnystudio.com/listener for privacy information.

Today, on Karl and Crew, we kicked off our weekly theme, “the Power of Prayer,” with a discussion with Dr. Adam Rasmussen about the statistics on sinful behavior in the Christian life. Dr. Rasmuseen is a fellow at the Cultural Research Center and the Dean of the College of Arts and Humanities at Arizona Christian University. We then had Dr. David Clarke join us to discuss recognizing narcissism in marriage and the negative impact of it. David is a Christian psychologist, author, YouTuber, TikToker, and podcaster. His podcast is called Enough is Enough. He has also written several books, including “Enough is Enough: A Step-by-Step Plan to Leave an Abusive Relationship with God’s Help.” You can hear the highlights of today's program on the Karl and Crew Showcast. If you're looking to hear a particular segment from the show, look at the following time stamps: Dr. Adam Rasmussen Interview [23:19] Dr. David Clarke Interview [35:22] Karl and Crew airs live weekday mornings from 5-9 a.m. Central Time. Click this link for ways to listen in your area! https://www.moodyradio.org/ways-to-listen/Donate to Moody Radio: http://moodyradio.org/donateto/morningshowSee omnystudio.com/listener for privacy information.

Today, on Karl and Crew, we kicked off our weekly theme, “the Power of Prayer,” with a discussion with Dr. Adam Rasmussen about the statistics on sinful behavior in the Christian life. Dr. Rasmuseen is a fellow at the Cultural Research Center and the Dean of the College of Arts and Humanities at Arizona Christian University. We then had Dr. David Clarke join us to discuss recognizing narcissism in marriage and the negative impact of it. David is a Christian psychologist, author, YouTuber, TikToker, and podcaster. His podcast is called Enough is Enough. He has also written several books, including “Enough is Enough: A Step-by-Step Plan to Leave an Abusive Relationship with God’s Help.” You can hear the highlights of today's program on the Karl and Crew Showcast. If you're looking to hear a particular segment from the show, look at the following time stamps: Dr. Adam Rasmussen Interview [23:19] Dr. David Clarke Interview [35:22] Karl and Crew airs live weekday mornings from 5-9 a.m. Central Time. Click this link for ways to listen in your area! https://www.moodyradio.org/ways-to-listen/Donate to Moody Radio: http://moodyradio.org/donateto/morningshowSee omnystudio.com/listener for privacy information.

Today, on Karl and Crew, we kicked off our weekly theme, “the Power of Prayer,” with a discussion with Dr. Adam Rasmussen about the statistics on sinful behavior in the Christian life. Dr. Rasmuseen is a fellow at the Cultural Research Center and the Dean of the College of Arts and Humanities at Arizona Christian University. We then had Dr. David Clarke join us to discuss recognizing narcissism in marriage and the negative impact of it. David is a Christian psychologist, author, YouTuber, TikToker, and podcaster. His podcast is called Enough is Enough. He has also written several books, including “Enough is Enough: A Step-by-Step Plan to Leave an Abusive Relationship with God’s Help.” You can hear the highlights of today's program on the Karl and Crew Showcast. If you're looking to hear a particular segment from the show, look at the following time stamps: Dr. Adam Rasmussen Interview [23:19] Dr. David Clarke Interview [35:22] Karl and Crew airs live weekday mornings from 5-9 a.m. Central Time. Click this link for ways to listen in your area! https://www.moodyradio.org/ways-to-listen/Donate to Moody Radio: http://moodyradio.org/donateto/morningshowSee omnystudio.com/listener for privacy information.

If you feel like you're constantly cleaning the same spot in your house — and it never stays fixed — this episode is for you. Why does clutter keep coming back? In this episode, I'm sharing a simple shift that costs almost nothing and has quietly lowered friction in several areas of my home. No overhaul. No expensive organizing bins. Just one small adjustment that makes it easier for things to land where they belong. This idea came from my mom during a recent holiday visit — and I've been slowly applying it ever since in the little “hot-spots” that tend to collect towels, pantry items, homeschool supplies, and bathroom clutter. If you're craving calmer, more intentional days — especially in a full, real-life season — this is a gentle place to start. Scripture: 1 Corinthians 14:33 (ESV) Quick favor: If you'd like to share what feels heavy in your life right now, and potentially have me create an episode for you, I created a short questionnaire to help guide future episodes. As a thank you, anyone who fills it out will be entered into a drawing for a copy of my Movie Schooling book at the end of the semester. (Email is optional — only needed if you want to be entered to win.) https://forms.gle/xcgmPWHDqnDbeRYU6 XOXO, Katie Would you like to bless and support this show? Consider buying a coffee!

Ever been carrying debt (or a money mess) your spouse doesn't know about… and you can feel the secret eating you alive?In this episode, Steve Rhode (the old, original Get Out of Debt Guy) and Damon Day (the new Get Out of Debt Guy) lay out a practical roadmap for the hardest conversation most couples will ever have: telling your partner the truth about your debt—without turning it into a relationship-ending explosion.You'll learn:When NOT to do it (hint: not during a fight… and definitely not at the grocery store)How to open the conversation with responsibility instead of excusesWhy you need to show up with a plan, not a dumpster fireWhat to say when they're hurt, angry, or ice-cold for a whileHow to turn this from “your secret problem” into a shared solutionSteve also calls out a sneaky modern trap: “Forbes-style” articles-that-are-really-ads pushing debt relief companies—why they look legit, why they fool smart people, and how to spot the marketing game.If this episode hits a little too close to home, don't wait. The longer the secret lives, the bigger the blast radius.Get help and resources at https://getoutofdebt.orgBook a free call with Damon at https://damonday.com

Do your parents or in-laws bring Dollar Store toys every time they visit? Do they bring toys from your childhood as gifts for your kids? Do you feel guilty letting go of gifts because you're worried about dishonoring your loved ones? In this episode, I'm chatting with Khrystyne Jaspers - a wife, mom of two, and a small space coach living in a one bedroom in Manhattan. We talk about all things gift-giving - how to navigate conversations with “generous” loved ones, how to approach decluttering with kids, ideas for consumable and experience gifts, and much more! About Khrystyne: Khrystyne has spent her entire adult life in one bedroom apartments around the world. As a small space coach, she has taught thousands on the art of mindful living and how to uncover possibility and sustainability no matter the size of your home. She lives in Manhattan with her two kids and husband in a 1 bedroom apartment.   Resources Mentioned: Connect with Khrystyne on her website, Substack and Instagram Grab her consumable and experience gift guides Related Episodes: Episode 59: Your 5-Step Plan to Declutter Unwanted Gifts Guilt-Free Episode 71: Listener Questions Answered (Part Two): How to Approach an Overwhelming Room, Too Many Toys, and “Generous” Relatives Who Give Us Stuff We Don't Need! Episode 14: Is Your Family Pressuring You Into Holding Onto Stuff You Don't Want? Say Goodbye to Guilt with These 3 Tips *** I help moms declutter their homes, heads, and hearts. Contact - > info@simplebyemmy.com  Podcast -＞ https://momsovercomingoverwhelm.podbean.com/ Learn -＞ https://www.simplebyemmy.com/resources Connect -＞ Join our free Facebook group Decluttering Tips and Support for Overwhelmed Moms Instagram -＞ @simplebyemmy and @momsovercomingoverwhelm   *** Don't Know Where to Start? *** 5 Steps to Overcome Overwhelm -＞ https://simplebyemmy.com/5steps/ 5 Mindset Shifts for Decluttering -＞ https://simplebyemmy.com/mindset/ Get podcast playlists for decluttering mindset, tactical decluttering tips, ADHD, getting kids & family on board, and more! https://www.listennotes.com/@momsovercomingoverwhelm/playlists/   Wanna work with me to kick overwhelm to the curb, mama? There are three options for you! Step 1: Join a supportive community of moms plus decluttering challenges to keep you on track at the free Facebook group Decluttering Tips and Support for Overwhelmed Moms Step 2: Sign up for the weekly Decluttering Tips and Resources for Overwhelmed Moms Newsletter and see samples here: https://pages.simplebyemmy.com/profile Step 3: Get more personalized support with in-person decluttering and organization coaching (Washington DC metro area)! https://www.simplebyemmy.com/workwithme

David McKnight dissects Elon Musk's recent claims that, because of AI robotics and automation, the future will have such hyperabundance that ordinary people may no longer need to save for retirement.  In Musk's future, robots are going to do all the work, AI will create prosperity, and society will provide everything you need at a little or no – cost. While David likes Musk's vision for the future, he doesn't agree with him on this one. When examined through the lens of economics, government obligations, and retirement realities, Musk's idea of the future collapses. David identifies five specific reasons why that will happen. The first reason, and perhaps the biggest flaw in Musk's argument, is that AI productivity doesn't automatically translate into personal wealth.  David points out that, during major technological revolutions, productivity increases faster than wages, capital investors capture most of the gains, and wealth becomes more concentrated at the top. In the most optimistic AI scenarios, economists say that it takes decades for productivity gains to spread to the entire population; if they ever do. The second reason why Musk's predictions won't probably come true has to do with the fact that AI won't fix the U.S. national debt or entitlement crisis. The U.S. has $40 trillion in national debt, which is projected to grow $2 trillion per year over the next 10 years (with annual interest payments already over $1 trillion per year). Furthermore, the Social Security Trust Fund is forecasted to run out in 2033, while the Medicare Trust Fund in 2031, and 10,000 baby boomers retire every day. Yet, no rapid explosion of AI innovation will change any of this. The third pet peeve David has with Elon Musk's predictions is that AI has no built-in mechanism for sharing wealth.  "Musk's argument hinges on the idea that AI abundance will automatically be shared, but it won't. Here's how this will likely go down: the profits of AI companies will flow to shareholders, and governments will collect very little from that activity", says David. The fourth reason why David disagrees with Musk's views for the future is that universal basic income is NOT a retirement plan. The final reason why Musk is wrong about the need to save for retirement is that AI increases lifespans which, in turn, increases retirement costs. Any major economist studying debt trajectories seems to agree: tax rates in the future are likely to be much higher than they are today. The current status quo is where the power of your retirement strategy becomes indispensable.  Remember: if tax rates in the future are higher than they are today, then every dollar you withdraw from a taxable 401(k) or IRA is going to be worth a lot less than you ever thought possible. David's solution consists of, over time, repositioning your money into tax-free vehicles – primarily Roth IRAs and Roth 401(k)s.     Mentioned in this episode: David's new book, available now for pre-order: The Secret Order of Millionaires David's national bestselling book: The Guru Gap: How America's Financial Gurus Are Leading You Astray, and How to Get Back on Track Tax-Free Income for Life: A Step-by-Step Plan for a Secure Retirement by David McKnight DavidMcKnight.com DavidMcKnightBooks.com PowerOfZero.com (free video series) @mcknightandco on Twitter  @davidcmcknight on Instagram David McKnight on YouTube Get David's Tax-free Tool Kit at taxfreetoolkit.com

In this episode, I talk about what to do when your marketing feels busy but not consistent. If you're juggling posts, emails, and updates without steady sales, I share a simpler three-part path to turn scattered tactics into a system you can actually sustain. This is about clarity, visibility, and conversion working together instead of competing for your time.We walk through how to get clear on who you serve and what you offer, how to become findable in the right places, and how to create conversion moments that feel natural instead of forced. I also share why consistency beats volume and how each piece of content should guide someone to their next step. If you're ready to replace random marketing with momentum that compounds, this conversation will help you see the path.Modern Marketing MasteryFree Marketing Strategy PlaybookSend a textSupport the show Show Notes Apply to be featured on My Weekly Marketing! Take the Marketing Clarity Quiz and get instant insights on your marketing strategy.

In this episode of the Gut Health Gurus Podcast, Kriben Govender sits down with Dr. Catherine Clinton, a licensed naturopathic physician and expert in Quantum Biology. Dr. Clinton shares her powerful personal story of being diagnosed with Hashimoto's Thyroiditis, Ulcerative Colitis, and Lyme Disease during medical school—and how this health crisis led her to discover the profound link between our thoughts, emotions, and biology (Psychoneuroimmunology). We dive deep into the science of Quantum Biology, exploring how sound (phonons), light (photons), and electrons impact our health. Dr. Clinton explains the fascinating research behind sound healing, including how low-frequency sounds can repair red blood cells and oxygenate the body. We also discuss practical strategies for nervous system regulation, the healing power of expressing "negative" emotions like anger, and why simple practices like humming and toning can be revolutionary for your health.   In this episode, we cover: [00:00] Introduction to Dr. Catherine Clinton and her background. [01:34] The "straw that broke the camel's back": Dr. Clinton's autoimmune diagnosis in medical school. [03:09] What is Psychoneuroimmunology? Understanding the mind-body connection. [04:19] The positive feedback loop of stress, inflammation, and immunity. [07:32] Steps to healing: Diet, short-term interventions, and natural anti-inflammatories. [10:01] Why observing your thoughts is the first step to healing (you don't need to be a Zen master!). [16:33] Practical tools for nervous system regulation: Qigong, shaking, and chanting. [20:18] The healing power of safely expressing anger and grief. [24:47] Quantum Biology Explained: Electrons, Photons, and Phonons. [25:55] The Science of Sound: How sound affects cell membranes and red blood cells. [28:17] How humming/toning boosts Nitric Oxide and oxygenation. [34:27] Frequencies and the importance of "sound diversity" for health.   About Dr Catherine Clinton:  Dr. Catherine Clinton is a licensed naturopathic physician, author, and researcher specialising in gut health, autoimmunity, and psychoneuroimmunology. After being diagnosed with multiple autoimmune conditions and Lyme disease during medical school, she dedicated her career to uncovering the foundational environmental factors that drive cellular healing. She is a leading voice in the field of quantum biology, exploring how our health is shaped by subatomic interactions with the natural world—including sunlight, grounding, and the "fourth phase" of structured water. As the founder of the Quantum Biology Health Institute, Dr. Clinton bridges the gap between complex biophysics and practical wellness, teaching how to optimize mitochondrial function and the "internal terrain" through alignment with circadian rhythms. Dr. Clinton is the author of Optimize: A Groundbreaking 7-Step Plan to Health and Longevity Through Quantum Biology (2026) and the founder of Well Future, a company focused on food-based supplements for pediatric immune and gut support. She is a frequent speaker at global health summits and a contributor to peer-reviewed research on the intersection of the microbiome and environmental medicine.   About Kriben Govender: Kriben Govender is a Food and Nutrition Scientist, Registered Nutritionist, and the founder of Nourishme Organics, a company specialising in gut health and fermentation products. With over 20 years of experience in the food industry, Kriben is passionate about the intersection of diet, gut health, and well-being.

Welcome to How Humans Heal. In this episode, I am so happy to have Dr. Catherine Clinton here with us. She is a licensed Naturopathic Physician, the author of "Optimize: A Groundbreaking 7-Step Plan to Health and Longevity Through Quantum Biology," and the founder and chair of the Quantum Biology Health Institute. Today we are talking about quantum biology and what it means for your health. Dr. Catherine's path into quantum biology began during her second year of Naturopathic Medical school, when she became seriously ill. She was diagnosed with two autoimmune conditions and Lyme disease, and began experiencing panic attacks. Even with all the tools of naturopathic and Chinese medicine available to her, she only recovered enough to return to school and clinic — she could function, but she was not truly thriving. I'm so grateful to Dr. Catherine Clinton for joining me on How Humans Heal and sharing her expertise. Helping people understand how quantum biology can support their health and longevity is essential, especially because modern life has quietly disconnected us from the very things our cells need to heal. Optimizing your health is absolutely possible. There are more and more ways to support healing at the cellular level, from home, that don't require expensive treatments or complicated protocols. We're here to help you! LINKS FROM THE EPISODE:   Take Dr. Doni's Stress Type Quiz: https://doctordoni.com/quiz/stress-quiz/   Schedule A Chat With Dr. Doni: https://intakeq.com/new/hhsnib/vuaovx    Read the full episode notes and find more information: https://doctordoni.com/blog/podcasts/ MORE RESOURCES FROM DR. DONI:   Quick links to social media, free guides and programs, and more: https://doctordoni.com/links     Disclosure: Some of the links in this post are product links and affiliate links and if you go through them to make a purchase I will earn a commission at no cost to you. Keep in mind that I link these companies and their products because of their quality and not because of the commission I receive from your purchases. The decision is yours, and whether or not you decide to buy something is completely up to you.

David McKnight explores one of the most fascinating and misunderstood topics: Retirement planning annuities. In the article Annuitization Puzzles, Economics Nobel Prize winner Richard Thaler tries to answer a deceptively simple question: If annuities are so good at protecting retirees from outliving their money, why don't more people buy them? Thaler, one of the founding fathers of behavioral economics, coined the phrase "the annuity puzzle" to describe a striking contradiction between theory and real life. According to traditional economic models, the rational choice would be for retirees to annuitize at least some portion of their wealth – yet, only very few Americans go out and buy a pure life annuity. The answers to this contradiction are almost entirely psychological. Loss aversion, loss of control, complexity and distrust, fear of disinheriting errors, underestimating longevity risks are the key reasons why that happens. David points out that most retirees believe they won't live as long as they actually will;they underestimate the probability of living into their 90s. "The Annuity Puzzle exists because economics assumes we're rational, while real retirees behave like human beings. They're  driven by emotions, fears, and biases, not economic data," says David. Remember not all annuities are created equal. David touches upon the key differences between immediate and fixed index annuities. Did you know that, while they aren't stock market replacements, fixed index annuities (FIAs) make for excellent bond alternatives? Furthermore, FIAs do resolve the flexibility and liquidity concerns many retirees face.   In his book Tax-Free Income for Life: A Step-by-Step Plan for a Secure Retirement, David discusses what he considers the most powerful innovation in the annuity space today – he shares more about it in this episode. What he discusses isn't the old single premium immediate annuity you may be familiar with… rather, he illustrates a modern retirement income engine that blends the science of risk pooling with the tax-free advantages of Roth planning.     Mentioned in this episode: David's new book, available now for pre-order: The Secret Order of Millionaires David's national bestselling book: The Guru Gap: How America's Financial Gurus Are Leading You Astray, and How to Get Back on Track Tax-Free Income for Life: A Step-by-Step Plan for a Secure Retirement by David McKnight DavidMcKnight.com DavidMcKnightBooks.com PowerOfZero.com (free video series) @mcknightandco on Twitter  @davidcmcknight on Instagram David McKnight on YouTube Get David's Tax-free Tool Kit at taxfreetoolkit.com Annuitization Puzzles by Richard Thaler, Shlomo Benartzi, and Alessandro Previtero S&P 500 Penguin Random House

This week, Taylor, Sandy and Doug Jordan discuss Nancy Guthrie's ransom, a Frenchman with a unique hobby, a heist at the Louvre, a Winter Olympics penis injection scandal and much, much more! Be prepared. The twelve steps will follow. Emerald Therapy by Audionautix is licensed under a Creative Commons Attribution 4.0 license. https://creativecommons.org/licenses/by/4.0/ Artist: http://audionautix.com/

Do you have to be an extrovert to be a successful business owner? Absolutely not. Let's talk about the real differences between introverts and extroverts. Where they get their energy, how they show up, and why neither style is "better" when it comes to building a business. Being an introvert doesn't mean you can't lead, sell, or grow a profitable business. It just means you may need to stretch outside your comfort zone sometimes. You dont have to become someone you're not. This episode is all about encouragement, practical tips, and reminding introverted business owners that your style works and you can be just as successful as anyone else. -----------------------------   DIVE IN DEEPER & LEARN MORE ABOUT YOUR NUMBERS

Money advice is broken. It's either shamey, gatekept, or written for people who already have money. Vivian Tu built her career proving there's a better way. After learning how money actually moves inside Wall Street at JPMorgan, she left the system and taught millions how to win at it anyway through Your Rich BFF. No jargon. No guilt. Just systems that work. Vivian is a former Wall Street trader turned financial educator and founder of Your Rich BFF, one of the largest personal finance platforms in the world. She's known for translating complex money rules into clear, actionable playbooks for people who were never taught how wealth is built or protected. She breaks down:• Why buy-now-pay-later isn't convenience, it's a quiet wealth killer• How to calculate your “walk away” number and what it actually unlocks• Why budgeting fails when it's about restriction instead of design• The invisible tactics advertisers use to drain your financial discipline• How wealthy families transfer money intentionally while everyone else leaves it to chance• Why housing, wages, and timing really are stacked against younger generations• The only kind of income that compounds without burning you out• How to handle your first $10K without overthinking it• Why prenups are protection, not a lack of trust• How to split money with a partner in a way that's fair, not equal This isn't theory or hustle culture. It's applied finance from someone who's seen how the game is played behind closed doors and decided to explain it in plain English. If money has ever felt overwhelming, confusing, or emotionally loaded, this conversation rewires how you think about it and what's actually possible. Check out Vivian's new book Well Endowed: The Secrets to Strategic Spending, Building a Financial Foundation for You and Your Family, and Creating Lasting Generational Wealth and follow her at @YourRichBFF on all platforms. ***Also hi I'm Codie and I run an investment and advisory firm that helps you buy and build businesses. Every year we do one 3 day virtual workshop to help you find, finance and learn to do deals live. Come learn what Wall Street (and your boss or competitors) hope you never learn. https://contrarianthinking.biz/MSML_BDYT26 ___________ 00:00:00 Introduction 00:01:16 The Buy Now Pay Later Trap: How Creative Debt Keeps You Broke 00:03:45 It's Harder to Be Young Today: The Math Behind Generational Wealth Inequality 00:07:23 Temptation Touch Points: The Pixel Tracking System Designed to Drain Your Wallet 00:09:38 Willpower Is a Losing Game: Why Financial Discipline Beats Motivation 00:10:41 Wall Street's Biggest Lie: Rich People Talk About Money All the Time 00:14:12 Old Money vs New Money: Social Capital and the Unspoken Club 00:18:31 Financial Choreography: How Rich People Strategically Move Money Through Life 00:19:50 Main Street Millionaire Live: Your Path to Business Ownership 00:20:24 Prenups Are Insurance, Not Distrust: The Government Default Agreement 00:24:20 Equitable vs Equal: The Math of Splitting Expenses in Relationships 00:29:59 Budgeting Needs a New PR Team: The 50-30-20 Framework That Actually Works 00:31:48 Automate Your Savings: The Paycheck Portal Hack That Builds Wealth Invisibly 00:34:19 Emergency Funds and the Levers: How Much Cash Should You Actually Keep 00:37:17 Calculate Your F You Number: The 4 Percent Rule for Financial Freedom 00:39:58 The Four-Square Money Talk: What to Know Before You Marry Someone 00:48:40 Well in Doubt: Building Your Personal Endowment for Life 00:50:44 Your First Ten Thousand Dollars: The Exact Allocation Strategy 00:53:58 Passive Income Is a Lie Unless You Own Something 00:56:39 Money as a Mirror: Why Your Financial Reality Reflects Your Self-Belief ___________ MORE FROM BIGDEAL

If you find yourself compulsively Googling symptoms and feeling more anxious than reassured, this episode offers a compassionate, evidence-based 3-step plan to help you break free from cyberchondria and health anxiety.

David McKnight discusses the three assets he believes you really need for a stable, predictable tax-efficient retirement.  Getting them right will dramatically reduce the risks that derail most retirements: Market risks, sequence of returns risks, longevity risks, tax risks, and long-term care risks. Stock market investments, with a 70% total US stock market index and a 30% total international stock market index, are the first thing David recommends. He defines them as "Your growth engine, the one that pays for your discretionary expenses in retirement."  David goes over aspirational and shock expenses. A Fixed Index Annuity (or FIA) is the second asset you'll need in retirement. A FIA is the one asset that eliminates the longevity risk, the risk of living so long that you deplete all your other assets.  Then there's Index Universal Life Policy (or IUL). A recent Ernst & Young study found that retirement plans that included IULs, as well as FIAs, provided more income in retirement, a higher likelihood of money lasting through life expectancy, and more money to heirs over the investment-only approach to retirement." Remember: If you withdraw money from your stock portfolio in a down market, you lock in losses and your portfolio has a much harder time recovering.  In other words, the IUL acts as your retirement shock absorber. Did you know that, because of its safe and productive growth, the IUL can serve as what we call a "volatility buffer" in retirement?  And there's more! In fact, an IUL can also serve as a bond alternative during the accumulation years – but without the interest rate risk or bond price volatility. David sees IULs as the most dynamic asset of them all – it's your volatility buffer, your bond alternative, and your long-term care safety net.     Mentioned in this episode: David's new book, available now for pre-order: The Secret Order of Millionaires David's national bestselling book: The Guru Gap: How America's Financial Gurus Are Leading You Astray, and How to Get Back on Track Tax-Free Income for Life: A Step-by-Step Plan for a Secure Retirement by David McKnight DavidMcKnight.com DavidMcKnightBooks.com PowerOfZero.com (free video series) @mcknightandco on Twitter  @davidcmcknight on Instagram David McKnight on YouTube Get David's Tax-free Tool Kit at taxfreetoolkit.com Ken Fisher Ernst & Young

Ray Shefska is the co-founder of CarEdge, the leading consumer platform dedicated to car shoppers. CarEdge is redefining transparency, fairness, and value in the automotive industry with assigned AI negotiating agents for every type of buyer. Ray merges over 40 years of experience in the car business with the latest technology to inform both sides of the transaction. We discuss leasing versus buying, EV or gas, how much to spend on a car, and more. Learn more at www.CarEdge.com or https://www.youtube.com/@CarEdge.  This episode is brought to you by Bryan Kuderna's new book, Simply Wealthy: The 4-Step Plan to Financial Freedom, available for pre-order wherever books are sold.

David McKnight explores the five biggest retirement mistakes people make. When it comes to retirement "traps", the obvious things such as picking the wrong stock, missing the next bull market or retiring at the wrong time are what typically comes to mind… The first mistake people tend to make when it comes to their retirement is believing that tax diversification is good enough. "Having the bulk of your wealth in tax-deferred accounts is like going into a business partnership with the IRS: every year, they get to vote on what percentage of your profits they get to keep. Not a very good business partnership, if you ask me," says David. The next mistake is one of the most subtle and expensive mistakes retirees make: ignoring the standard deduction when doing Roth conversions. The third big retirement mistake people make is trying to time the market instead of timing the tax code. Remember: "Markets move up and down, but when a country is in a debt crisis, tax rates only move in one direction: Up!"  Are you using bonds as safe money in retirement? That's what the fourth retirement planning mistake David has encountered often in his busy work schedule.  David suggests to time the tax code, instead of timing the market… Replacing your bonds with annuities that have a guaranteed lifetime income feature is something you should consider. The fifth and final mistake to stay away from is not taking enough risk in retirement. David explains that your annuities can provide income in the year after a down year in your stock portfolio. That gives your stocks a chance to recover before you take further distributions. Don't forget, the stock portion of the portfolio has one job and one job only: Make sure your money lasts a full 30-year retirement.     Mentioned in this episode: David's new book, available now for pre-order: The Secret Order of Millionaires David's national bestselling book: The Guru Gap: How America's Financial Gurus Are Leading You Astray, and How to Get Back on Track Tax-Free Income for Life: A Step-by-Step Plan for a Secure Retirement by David McKnight DavidMcKnight.com DavidMcKnightBooks.com PowerOfZero.com (free video series) @mcknightandco on Twitter  @davidcmcknight on Instagram David McKnight on YouTube Get David's Tax-free Tool Kit at taxfreetoolkit.com Tom Hegna

I was exposed to business numbers long before I ever owned a business. Profit & Loss statements, sales trends, inventory, expenses, just to name a few. These were normal conversations in my world growing up. And when I became a small business owner, that knowledge became my secret weapon. But as I started meeting other small business owners, I realized something big: they WANTED to understand their numbers… they just didn't know where to start. Today, I share my journey with the P&L and why it quickly became my #1 tool for growing a profitable business. The truth is, small business P&Ls aren't that different from big business P&Ls and small businesses have far more in common than you'd ever imagine. No matter what size your business is, your Profit & Loss statement is the key to understanding your money, increasing your profits, and making smarter decisions. Let's make the P&L your new superpower.   -----------------------------   DIVE IN DEEPER & LEARN MORE ABOUT YOUR NUMBERS

Saving $10,000 can feel like something only other people can pull off. But in this episode, I break it down into simple math and a clear plan that works in real life, even if money feels tight right now.I walk you through a step-by-step approach to choosing a pace you can stick with, automating your savings so willpower isn't required, and finding extra money each month without feeling deprived. We also talk about boost months, common traps that slow people down, and how to stay consistent when life gets messy.Open a HYSA here: https://inspiredbudget.com/hysa You Might Like: Get the FREE Goodbye Debt Tracker! Grab my FREE Budgeting Cheat Sheet. Get the Budget My Paycheck Spreadsheet. Follow Allison on Instagram! @inspiredbudget Check out Inspired Budget's blog. Take my FREE class on How to Budget to Build Wealth!

The focus of this episode is on what Dave Ramsey refers to as the only three investments he owns. "I have three investments: my business, paid-for real estate with no mortgages, and mutual funds," says Ramsey.  He goes on to emphasize that he doesn't play single stock, doesn't screw around with gold or Bitcoin, and that he doesn't need your stock tip from your "broke golfing buddy with an opinion." Host David McKnight wonders whether Ramsey's investment model actually works in principle, and if parts of it can be replicated by everyday investors… Ramsey's business functions in two powerful ways: it provides current cash flow so he doesn't have to draw down investments, and it represents a large future liquidity event – this alone dramatically reduces the pressure on the rest of his portfolio. David highlights the fact that Ramsey doesn't pick individual stocks. Instead, he spreads his money across the entire global stock market using mutual funds. Ramsey famously advocates an even split: 25% in growth and income funds, 25% in aggressive growth funds, and 25% in international funds. David's recommendation is to "Invest 70% in a total U.S. stock market index, 30% in a total international stock market index, and 0% in bonds."  By doing that, you'll own the entire market instead of trying to outsmart it. It is possible to adopt a 100% stock portfolio even if you don't own a business or don't have a paid off real estate throwing off residual income – David explains how. You could have a guaranteed lifetime income annuity have the same role played by real estate in Dave Ramsey's approach.     Mentioned in this episode: David's new book, available now for pre-order: The Secret Order of Millionaires David's national bestselling book: The Guru Gap: How America's Financial Gurus Are Leading You Astray, and How to Get Back on Track Tax-Free Income for Life: A Step-by-Step Plan for a Secure Retirement by David McKnight DavidMcKnight.com DavidMcKnightBooks.com PowerOfZero.com (free video series) @mcknightandco on Twitter  @davidcmcknight on Instagram David McKnight on YouTube Get David's Tax-free Tool Kit at taxfreetoolkit.com Dave Ramsey

Louise Buckley grew her list by nearly 2,000 in five months—and now she's on track to hit 10,000 by year-end using simple, strategic moves.  In this episode, Louise shares how she's growing her boutique clothing business with intention. From turning a broken receipt printer into an email-capture tool, to using live sales and collaborations as list-building machines, she's staying focused on what works—and doubling down on her momentum. If you're stuck trying to grow your list, this conversation is full of practical, no-fluff strategies you can start using right away. What you'll learn: Why Louise's popup conversion rates are outperforming industry averages—and what that tells us The key opportunity she was missing in her weekly live sales (and how to fix it fast) A smart collaboration strategy that's bringing in warm, buyer-ready leads Why she's skipping complicated ad funnels and running simple video view ads instead How to turn FOMO into a list-growth engine—using tools she already has   RELATED LINKS: Check out Louise's shop here: Be You Lifestyle Boutique Get on the Reliable Revenue waitlist: https://www.thesocialsalesgirls.com/reliable-revenue Christina's transitioning from in person to online sales https://www.thesocialsalesgirls.com/blog/christinas-transitioning-from-in-person-to-online-sales-here's-how-episode-298 The Most Powerful Marketing Activity https://www.thesocialsalesgirls.com/blog/the-most-powerful-marketing-activity-episode-285 €600+ sales with a list of 40. Here's how. https://www.thesocialsalesgirls.com/blog/proof-that-action-leads-to-results-episode-135 _______________________   Are you constantly asking yourself how to make your website better or questioning your prices? Do you wonder if you're missing something? If you have made sales in person or on a site like Etsy, I know you can sell more on your site.   Get my FREE mini-course that will show you our step-by-step process to grow your sales without spending a fortune on risky ad strategies or discounting your products here: https://learn.thesocialsalesgirls.com/conversion-school/   "Insightful, actionable and engaging! I learn so much every single time I listen. I can't believe this information is free - If you feel like this too, I'd love it if you would leave us a review. Reviewing the show will help us reach even more store owners, so we can help them grow their sales. Click here, scroll down, tap to rate with 5 stars and select "Write a review". Let us know what you find most helpful about the podcast!   Also, if you haven't already make sure to follow the podcast so you don't miss an episode! Follow now

If you've ever fallen behind on paying your employees or the people who help you, it's time for a hard truth: you made a commitment, and not paying them damages trust, morale, and your reputation as a leader. You'd never accept a customer refusing to pay YOU — so why are you doing it in your own business? Two biggest reasons this happens: poor pricing and ongoing debt that drains every dollar before it reaches your team. You need to stop the financial bleeding, pay your people moving forward, and create a plan to make up any back pay. And when a big job comes in? That money needs to fix the business first, not line your own pockets. Strong businesses take care of their people. Let's get you back on track.   -----------------------------   DIVE IN DEEPER & LEARN MORE ABOUT YOUR NUMBERS

Hey guys, In this episode, we begin a series focused on the office and explore why this space so often becomes the physical version of the to-do list — and what that has to do with overwhelm, avoidance, and self-abandonment. We'll also slow the nervous system down together and walk through a simple, three-step plan for approaching your office without burning out or overfunctioning. This episode isn't about productivity or finishing everything. It's about beginning differently — with clarity, containment, and self-support. ✨Come home to yourself. ✨ If you want to go deeper and have support decluttering your home consistently, the year-long program is open. You can find all the details at declutteryourchaos.com. Head to Cozy Earth and use my code DECLUTTER for 20% off and experience the softest sheets you can find: https://cozyearth.com/ Office Series: What's Coming Next Ep. 336 — Getting Things Done for Office Clutter Applying GTD to physical clutter so decisions feel lighter and follow-through becomes possible. Ep. 337 — Paper Clutter  Why paper feels so overwhelming and how to move it forward without filing fantasies. Ep. 338 — Reference Materials Letting go of books, notes, and saved ideas without losing capability or momentum. Ep. 339 — Cords and Tech How to identify mystery cords and old tech (including AI help) and release what no longer supports you. Ep. 340 — Office Supplies and Computer Gear Reducing duplicates, containing supplies, and creating a setup that actually supports your work. Ep. 341 — tbd If this episode helped you, please leave a review or share it with someone who needs it. Looking forward to seeing your progress in the free Facebook group.  To join click below... https://www.facebook.com/groups/declutteryourchaos/ Download my free decluttering planner here: https://declutteryourchaos.com/decluttering-planner Let's connect:

David McKnight addresses a myth floating around the financial world: "For a Roth conversion to make sense, you need many years for the Roth to grow so you can recoup the taxes you paid to the conversion." David stresses why this way of thinking is fundamentally wrong – it's built on the wrong assumption that all the money in your IRA belongs to you… when it actually doesn't. Remember: your IRA isn't one pile of money but two piles sitting in the same account. One pile belongs to you, while the other to the IRS. What's unknown is how big the IRS' pile is going to be when you eventually take the money out of the account. David goes on to explain what happens as both piles grow and required minimum distributions kick in. You may end up with the IRS' pile being not just larger but taxed at a much higher rate too. With a Roth conversion, on the other hand, your conversion translates into you carving out the IRS' portion and handing it to them today – settling the bill while the balance is smaller and the rate may be lower. There's a key question David invites you to keep in mind when it comes to Roth conversions: "Is your tax rate lower today than it will be when you take the money out?"  The exploding national debt of over $200 trillion dollars in unfunded obligations for Social Security, Medicare, and Medicaid are going to require spending cuts, higher taxes, or some combination of the two. Beware: the problem with most retirement plans is that they assume that tax rates will stay low forever!  David points out that Roth conversions aren't about timing the market but about timing the tax code. In other words, they're about timing the advantage of known measurable tax rates today instead of gambling on unknown ones tomorrow.     Mentioned in this episode: David's new book, available now for pre-order: The Secret Order of Millionaires David's national bestselling book: The Guru Gap: How America's Financial Gurus Are Leading You Astray, and How to Get Back on Track Tax-Free Income for Life: A Step-by-Step Plan for a Secure Retirement by David McKnight DavidMcKnight.com DavidMcKnightBooks.com PowerOfZero.com (free video series) @mcknightandco on Twitter  @davidcmcknight on Instagram David McKnight on YouTube Get David's Tax-free Tool Kit at taxfreetoolkit.com

You're in your 50s, $50,000 in debt, and retirement at 65 feels impossible. We made this episode for you. Today, Mindy and Scott spell out the exact step-by-step plan to go from $50K in debt to a million-dollar retirement—even if you're starting over in your fifties. Meet Nancy: a recently divorced stay-at-home mom reentering the workforce with significant debt and zero savings. Her story represents millions of people starting over financially in their fifties due to divorce, job loss, or never having saved for retirement. But Nancy's situation isn't hopeless—and neither is yours. This Episode Covers: Nancy's starting point: $50K in debt, no savings, reentering the workforce in her 50s The debt payoff strategy for people who are catching up to FI and how to prioritize which debts to tackle first Income optimization tactics for your 50s: negotiating salary, side hustles, and career pivots Smart expense cuts that don't feel like deprivation Which retirement accounts to prioritize when you're behind (401k, IRA, HSA strategy) Balancing debt payoff with retirement savings: when to do both simultaneously The real numbers: how much Nancy needs to save monthly to hit $1 million by 65 Investment strategy for people with a shorter timeline to retirement Why it's never too late—and the mindset shifts that make comeback possible Don't give up on retirement—let's show you how to catch up! Subscribe to our Weekly Newsletter: www.biggerpocketsmoney.com Want to be a guest on the show? Apply here: https://biggerpocketsmoney.com/contact/ Get 50% Off Your First Year of Monarch by using code ‘Pockets': https://www.monarchmoney.com/ Connect with Scott and Mindy: Scott: https://www.instagram.com/scott_trench/ Mindy: https://www.instagram.com/_mindyatbp/ Follow BiggerPockets Money on Social: Facebook: https://www.facebook.com/groups/BPMoney Instagram: https://www.instagram.com/biggerpocketsmoney/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Most business owners say they have goals… but what they really have is a fuzzy wish list. "I want to grow," "I want more profit," "I want more customers". However, many do not have a clear plan. And if not tied to actual business numbers, those goals go nowhere. Today, we break down how to turn big dreams into real results. You'll learn how to set at least one long-term goal, break it into monthly, weekly, and daily steps, and use your business numbers to guide your decisions. Because "just showing up" isn't a strategy. However, taking consistent, concrete action is what moves the needle and grows your profits. Let's make your goals actually happen. -----------------------------   DIVE IN DEEPER & LEARN MORE ABOUT YOUR NUMBERS