Podcasts about step plan

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

Money touches almost every corner of our lives—and often our fears. When bills rise, when income feels uncertain, and when the future feels unclear, it's easy to slip into anxiety and assume everything depends on us. Scripture offers a better story: one where God sees, God knows, and God provides.Few things test our faith like money. Emergencies arise, markets fall, expenses rise, and the question arises: Will I have enough? Most of us respond by working harder and planning more. Diligence is wise, but beneath the effort, many carry a quiet fear that everything ultimately rests on our shoulders. Jesus invites us into something deeper—an economy rooted not in scarcity but in the character of God.In Matthew 6:26, Jesus directs our attention to the birds of the air. They do not stockpile or strategize, yet “your heavenly Father feeds them.” He doesn't say their Father, but your Father. The One who sustains creation also sustains His people. Jesus isn't discouraging work—He's dismantling worry. Behind every paycheck, opportunity, and act of stewardship stands a God who provides.This truth echoes throughout Scripture. In Genesis 22, Abraham stands on a mountain, knife raised in agonizing obedience. At the final moment, God provides a ram caught in a thicket. Abraham names the place The Lord will provide—not as a memory but as a promise.In 1 Kings 17, a widow with a handful of flour and a few drops of oil prepares for her last meal. God asks her to trust Him with what little she has, and she does. Day after day, her jar and jug never run empty—not overflowing, but enough. Provision came not in abundance but in sufficiency, reminding her she was seen.Even Peter faces lack. When confronted about the temple tax, Jesus sends him to cast a line, and the first fish carries a coin in its mouth—exactly what is needed. Scripture's pattern is unmistakable: God provides precisely, personally, and on time.Paul reaffirms this in Philippians 4:19—“My God will supply every need of yours according to his riches in glory in Christ Jesus.” He writes not to wealthy believers but to a generous church with scarce resources, reminding them that supply flows from God's glory, not their accounts.God gives what we need, not always what we want, and not always when we expect it—but His provision is wise and rooted in love. Jesus ultimately declares, “I am the bread of life” (John 6:35). He does not merely give provision—He gives Himself. The deepest peace is not the absence of uncertainty, but the presence of a faithful Father.Where do you need to trust God's provision today? Bring your needs, fears, and questions before Him. Ask for wisdom, peace, and strength—and stay open to the unexpected ways He may provide through people, opportunities, or renewed perspective.————————————————————————————This theme—God is our provider—is explored in greater depth in our new 21-day devotional, Our Ultimate Treasure, releasing next month. Each day focuses on a foundational truth of biblical stewardship, showing how God's character shapes our view of money, our decisions, and our trust in Him—not as a distant observer, but as a faithful Father. It's designed to help believers move from fear to freedom, from anxiety to peace, and from self-sufficiency to joyful dependence on Christ.If you want to receive the devotional as soon as it's released, you can become a FaithFi Partner for $35 a month or $400 a year, and we'll send it to you as our way of saying thank you. Learn more at FaithFi.com/Partner. On Today's Program, Rob Answers Listener Questions:I'm 58 and eligible for a three-year special catch-up contribution in my 457 plan, which would allow me to double my contributions. Should I split those contributions between my 457 and a Roth since I don't have much in the Roth, or is it better to put everything in one? What factors should I consider?My wife and I received a legal settlement of just over $50,000 and would like to tithe. We normally give 10% to our church, but this is above our regular giving. How should we think about giving to our local church versus other ministries? Is it appropriate to allocate part of the tithe to a ministry we're developing that will incur significant expenses?We have two daughters in their 30s who don't really have long-term financial plans. We'd like to help by funding their Roth IRAs with $2,000 or $3,000, partly to encourage saving. Can we open the accounts ourselves, or should we transfer the funds so they can do it? Would that gift count as taxable income for them? Any recommendations?I've heard that if you're on Social Security, you can't have much in savings—something like $2,000 for singles and $3,000 for couples—or you could lose benefits. Is that true?Resources Mentioned:Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner)Master Your Money: A Step-by-Step Plan for Experiencing Financial Contentment by Ron Blue with Michael BlueWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

This episode revolves around President Donald Trump's claim that, due to the massive tsunami of tariff revenue that's flowing into the U.S. coffers, Americans won't have to pay income tax in 2026. David McKnight looks at the 2025 fiscal year: the Federal Government spent about $7 trillion and brought in about $5 and a quarter trillion in revenue. While breaking down the math related to the 2025 fiscal year, David points out that "Revenue from income taxes is the single largest source of Federal revenue", while "Tariffs, by contrast, are one of the smallest." Even Trump's own economic team, including Treasury Secretary Scott Bessent, has said that in an extremely optimistic scenario, tariff revenue might someday reach $500 billion a year – which is only about ⅕ of what gets collected in income taxes. By looking at the numbers, it's clear that the proposed tariff-funded $2,000 check for each of the 340 million Americans wouldn't work: it would cost roughly $680 billion against a tariff revenue that only amounts to $195 billion… David clarifies a key point about tariffs. They're not paid by foreign governments, they're paid by U.S. importers. In other words, tariffs are simply a tax on consumers. There's an additional problem that shouldn't be overlooked. Not only do tariffs not generate enough revenue, but they can also lead to retaliation by other countries imposing their own tariffs on American exports. This means that an American effort to try to raise trillions of dollars through tariffs could end up costing heavily on its own people.  David is crystal clear: While these types of claims make for great sound bites, the federal budget still has to obey the mathematical laws of the universe, and the math makes it clear: There's no world in which tariffs could ever eliminate the need for an income tax. By the look of things, the U.S. is marching into a future where the federal government will soon need huge infusions of cash just to pay the interest on its exploding national debt. To forestall this, the U.S. government will have to double federal income taxes in or around 2035.  That's why, David says, having a dialed-in strategy to get your retirement savings shifted from 401(k)s and IRAs to Roths is more important than ever.     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 President Donald Trump Treasury Secretary Scott Bessent  Wharton School of the University of Pennsylvania 

Those of us facing the common challenges of blending often feel frustrated, overwhelmed, or discouraged. It's easy to drift into survival mode and settle for “not that bad.”In this episode, we'll share a clear plan to move forward in a simple way that's not about the pressure of big, dramatic New Year's resolutions.  Here's the truth: transformation doesn't happen overnight, and there are no easy fixes to the complex dynamics stepfamilies face. But change can happen with small, faithful shifts practiced over time. You'll Discover:The difference between information vs. transformation and why “insight without action” keeps couples stuck How to set process goals (not vague intentions), and capture the “gold nuggets” you want to apply to your family's current struggles How to “work your plan” and experience real WINS in 2026!Resources from this Episode:CLICK HERE to schedule your FREE coaching call with usCLICK HERE to learn more about the Blending Together CommunityFind your Focus & Choose your Path:Bonding:For specific episodes on building healthy Bonds, CLICK HEREBuilding Love Together in Blended Families by Ron Deal & Gary ChapmanUnderstanding Kids' Perspectives:For specific episodes to gain insight & support your kids, CLICK HEREIn Their Shoes: Helping Parents Better Understand and Connect with Children of Divorce by Lauren ReitsemaSafeguarding your Relationship / Marriage:For specific episodes to grow a deeper connection and reduce conflict, CLICK HERESaving Your Second Marriage Before It Starts: Nine Questions to Ask Before -- and After -- You Remarry by Drs. Les & Leslie ParrotParenting  & Stepparenting:For specific episodes to develop your parenting partnership and align family expectations, CLICK HEREStepparenting:  Keeping It Sane by Dr. Charles FayParenting Under Fire: How to Communicate with Your Hurt, Angry, Rejecting, Distant Child by Dr. Amy J.L. BakerEffective Co-Parenting:For specific episodes to discover best practices and improve cooperation between homes, CLICK HERECoParenting Works!  Helping Your Children Thrive After Divorce By Tammy Daughtry

What if 2026 was the year you finally stopped chasing "quick fix" skin solutions and started actually seeing results? No needles. No 12-step routines. No more wondering if that trending serum is really worth it. In this episode, I'm sharing the 4 exact ways I'm helping you get your best skin yet without Botox or fillers. ✨ From my free masterclass to my signature skin coaching, I'm breaking down everything I've created to help you glow confidently this year without the overwhelm. Whether you're starting from scratch or ready to level up your current routine, this is the skin reset your future self will thank you for.

Most small business owners grind day after day… and still have no idea what their real numbers are. They "guess" what their sales are, hope their profits are there, and then wonder why every year feels the same. Today, we break down why knowing your numbers is the key to breaking the cycle. You'll learn how simple the formula really is Sales – COGS – Expenses = Profit and how it connects directly to your Profit & Loss report. Once you understand the flow of money through your business, you can finally stop repeating the same year over and over and start making smarter, more profitable decisions. Tons of sales mean nothing if there's no profit. Make this the year you learn your numbers and drive those profits up!  -----------------------------   DIVE IN DEEPER & LEARN MORE ABOUT YOUR NUMBERS

Want help uncovering the real reasons behind your urges and building a plan to overcome your pornography use? Click here to book a free call with Sam to get help to overcome pornography – https://stopporn.info/    Have questions you want me to address on future podcast episodes? Email me here:  sam@healingcouples.org   Episode show notes: Are you tired of going weeks—or even months—without porn, only to fall back into the same cycle again? In this episode, licensed marriage and family therapist Sam Tielemans breaks down why most porn addiction recovery plans fail—and what actually works instead. If you've tried managing urges with willpower, accountability partners, or distraction tools but still feel stuck, this conversation will shift everything. Sam explains how to stop white-knuckling your way through urges and start identifying the root cause of pornography addiction—so you can finally find lasting freedom. You'll learn: Why the urge isn't the problem (and what it's really signaling) How to overcome porn urges by resolving emotional triggers like shame, stress, and disconnection The five essential skills for real, sustainable porn addiction recovery How to apply specific tools for relapse prevention based on what's driving your urge Why real change doesn't come from behavior control—but from healing the source This episode goes beyond surface advice to give you a step-by-step roadmap to quit porn for good, rebuild emotional safety, and create long-term transformation—whether you're navigating your own healing or seeking to repair trust in your marriage.    

David McKnight addresses a brand new proposal that could transform the way Americans use Roth IRAs and Roth 401(k) – and that could have serious implications for your retirement flexibility, liquidity, and long-term tax strategy. With the current status quo, if a person has money in a 401(k) or even a Roth 401(k), they can usually roll it out into an IRA when they retire or leave their job. However, money can't roll the other direction: you can't take a Roth IRA and move it into a Roth 401(k)... A new bipartisan bill introduced by Republican Representative Darin LaHood and Democrat Representative Linda Sánchez aims to change that. Under this proposal, you could roll your Roth IRA into an employer-sponsored Roth account like a Roth 401(k), a Roth 403(b) or even a Roth 457 plan. This change could mean less paperwork, potentially lower fees, and a simpler investment picture. David cites simplicity, cost and protection as a few of the reasons why lawmakers may want this bill to pass. One of the incentives for Washington may have to do with the fact that encouraging people to use Roth accounts – which are taxed up front – can generate more short-term tax revenue for the government. Everything isn't as good as it seems, though. David lists a few of the trade-offs involved with this potential change. Firstly, loss of control. When your money is in a Roth IRA, you can invest it wherever you want: Index funds, EFTs, individual stocks, and more. With an employer plan, your investment menu would be limited by the options the plan administrator offers. The so-called Five-Year Rule is another aspect worth considering. Typically, every Roth account has to be open for at least five years or until 59 ½, whichever is later, before earnings can be withdrawn tax-free.  Here's the tricky part: Each different kind of Roth account has its own five-year clock. This could turn into a logistical nightmare for plan administrators. David shares some final considerations regarding who would benefit and who may get negatively affected by the proposed bill and points out that "Not all Roths are created equal."     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 Darin LaHood Linda Sánchez Employment Retirement Income Security Act (ERISA)

As the year wraps up, it's time to slow down, look back, and get real about your business. I challenge you to answer three simple but powerful questions: What was your biggest win this year? What's the one thing you wish you had fixed or worked on? Most importantly, how well do you actually know your business numbers from the past year? These questions set the tone for the new year and help you make smarter, more profitable decisions. If you want next year to be your best year yet, it starts with clarity, honesty, and a deeper look into your numbers. Let's get you ready to win!  -----------------------------   DIVE IN DEEPER & LEARN MORE ABOUT YOUR NUMBERS

Episode 381 reframes Napoleon Hill's Think and Grow Rich for sales professionals, reviewing Chapters 1–3 to show how thought, desire, and faith create predictable sales results. Andrea Samadi connects these timeless principles to practical steps—how to set burning goals, build unwavering belief through repetition, and transfer certainty to buyers. Listeners will get actionable frameworks (a five-step belief plan and the six steps to impress desire) and a clear roadmap for aligning mindset with sales execution, plus a preview of the next episode continuing the series. Welcome back to our final series of SEASON 14 of The Neuroscience Meets Social and Emotional Learning Podcast, where we connect the science-based evidence behind social and emotional learning and emotional intelligence training for improved well-being, achievement, productivity and results—using what I saw as the missing link (since we weren't taught this when we were growing up in school), the application of practical neuroscience. I'm Andrea Samadi, and seven years ago, launched this podcast with a question I had never truly asked myself before: (and that is) If productivity and results matter to us—and they do now more than ever—how exactly are we using our brain to make them happen? Most of us were never taught how to apply neuroscience to improve productivity, results, or well-being. About a decade ago, I became fascinated by the mind-brain-results connection—and how science can be applied to our everyday lives. That's why I've made it my mission to bring you the world's top experts—so together, we can explore the intersection of science and social-emotional learning. We'll break down complex ideas and turn them into practical strategies we can use every day for predictable, science-backed results. Connecting Back to Our 6-Part Think and Grow Rich Series (2022) For today's EP 381, we are connecting back to our 6-PART Series from 2022[i], where we covered the well-known book, Think and Grow Rich by Napoleon Hill, to make 2022 our best year ever. Today we will cover: ✔ Chapter 1: The Power of Thought: A 5 STEP Plan to Improve Sales (Outer World) by Improving Your Thoughts (Inner World) ✔ Chapter 2: Desire With a 6 STEP Plan to Achieve ANY Goal ✔ Chapter 3: Faith With 3 Ways to Build Unwavering Faith That Will Change Your Life Back in 2022, we didn't just read Think and Grow Rich—we lived inside it as we launched 2022. Over a 6-part podcast series that began the beginning of January 2022, we walked through this book chapter by chapter, not as theory, but as a personal operating system for growth, performance, and results. This series will always be special for me, as I had heard that my mentor, who inspired me to study this book, Bob Proctor, became ill while I was writing the last episode in the series PART 6. He passed away before it was released, and I'll always remember this episode series, connected to the many people, globally, that he inspired through his work. At the time, the focus of our 6 PART Series was broad. We covered: Personal development Mindset mastery Vision, purpose, and belief We covered the BASICS of this book that Bob Proctor studied for his entire lifetime (over 50 years) that can be applied to whatever it is that you want to create with your life. Today, we are going to look at this timeless piece of knowledge, through a new lens. What we're covering today—Think and Grow Rich for Sales—is not new material. It's the application of this series, towards a specific discipline. You could apply this book to any discipline, but this one, I have wanted to cover for a very long time. How the 6-Part Series Maps DIRECTLY to Sales Mastery Here's the reframe that matters: Every principle we covered in 2022 becomes a sales advantage when applied correctly. In order for me to have gained this understanding, I have to give credit, where credit is due here. I would not have been able to cover our 2022 series without following Paul Martinelli's yearly reviews[ii] of this timeless Think and Grow Rich book that I started to follow in 2019, and continued every year until 2025 when he covered popular Science of Getting Rich book. It was through Paul's explanations, and line by line interpretations, that I finally began to not only READ this book, (from start to finish) but started to INTEGRATE the concepts into my life. I highly encourage following his work, as he continues to host many free webinars, where he gives away knowledge, with no pressure at all to purchase anything from him. I know why he does these webinars. It's not only to help others, but something magical happens when you give back to others, without expecting anything in return. When we covered this 6 PART series, back in 2022, TEACHING these concepts, it took me to another level of understanding, where I realized that this book is not meant to be read just once, but read over and over again, every year, as we all work on whatever it is we are working on, or want to master. This is a living, breathing body of knowledge and is there for all of us, year after year, as we refine our own inner mastery, and move step by step closer to our goals. Albert Einstein explained this concept well when he said that “if you can't explain it to a six-year-old you don't understand it yourself” and this is because teaching something will clearly show you where you have gaps in your own understanding. I'll never forget when I got to PART 6 of the book review, I noticed my book had no notes after around chapter 13. I began studying this book in my late 20s, and was very interested in the subconscious mind (chapter 12) but not at all interested in the brain (chapter 13) at this time, so I actually stopped reading the book here. I knew I never did finished reading this book (until I had to teach it) which explains a lot when it comes to the commitment to complete something. In order to teach something, we must first of all understand it ourselves. But when we LIVE it, and EMBODY what we are teaching (like Paul Martinelli has done) and what I am striving to do, it takes the words in each chapter to greater heights. So with gratitude to Paul Martinelli, who has created a valuable Sales Training Program, based on this timeless book, here is my attempt at covering Napoleon Hill's Think and Grow Rich book, for the Sales Professional, and I couldn't have produced this episode, without Paul's teachings. Let's now look at the first 10 important chapters from Napoleon Hill's Think and Grow Rich, through the lens of making our 2026 our Best Year ever, as well as to connect each principal for the salesperson. And you don't need to be in sales for these principles to work for us. Think and Grow Rich for Sales How Inner Mastery Becomes Sales Results Inspired by Think and Grow Rich Through a modern neuroscience + sales lens Chapter I: The Power of Thought Applied to Sales Why Sales Outcomes Begin in the Mind Core Idea: Sales performance is a reflection of expectation and belief first, not effort alone. What you think and believe about your ability, your product, and your outcome directly determines how you show up—and how others respond to you. Sales Applications Your internal dialogue sets your sales ceiling “Hoping” for results programs hesitation and inconsistency Expectation + emotion = outcome Listener Takeaway You don't get the sale you want. You get the sale you expect—the one you truly believe you can achieve. You get the sale you expect. The one you actually believe you can achieve. REVIEW OF CHAPTER I — “The Power of Thought” Edwin C. Barnes: The Man Who Thought Himself into Partnership with Thomas Edison In Chapter I of Think and Grow Rich, Napoleon Hill introduces us to Edwin C. Barnes, a man who achieved something extraordinary—not through money, connections, or credentials—but through the power of his thought. Barnes held a single, unwavering vision: to work with Thomas Edison—not for him, but with him. This was an audacious goal. Barnes did not know Edison personally. He lacked money, influence, and even the funds to comfortably pay for the train fare to New Jersey. Yet none of these obstacles altered his decision. Hill explains that Barnes did not wish for this partnership. He decided it would happen. When Edison later recalled their first meeting, he described Barnes standing before him looking like an ordinary tramp—but said there was something unmistakable in the expression of his face: “There was something in the expression of his face which conveyed the impression that he was determined to get what he had come after.” (Chapter I, p. 2, TAGR) Edison did not see wealth, polish, or preparation. He saw initiative, faith, and the will to win—and that was enough. Barnes brought no money to the table. No résumé. No formal value proposition. But he carried something far more powerful: a clear vision, unwavering belief, and a level of certainty that Edison could feel. Hill later writes that Barnes' “bulldog determination” and persistence with a single desire was destined to mow down all opposition and bring him the opportunity he sought. Barnes did not retreat when months passed and nothing happened. He did not say, “What's the use?” He did not downgrade his goal to something more “reasonable.” He held the vision until reality caught up with it. Why This Matters for Sales To understand why Edison trusted Barnes, we must understand something critical: Thought carries frequency. Belief has energy. Certainty is felt long before it is spoken. Edison did not evaluate Barnes based on where he was. He responded to where Barnes knew he was going. Barnes was already operating on the frequency of partnership—not employment. And Edison recognized it. “When one is truly ready for a thing, it puts in its appearance.” (Chapter I, p. 3, TAGR) Barnes was ready. Putting Chapter I into Action for Sales Look at the image in the show notes illustrating levels of frequency of thought—where the physical, intellectual, and spiritual worlds intersect like the colors of a rainbow. Think of each level as a different radio station. To hear the station you want, you must tune your mind to that frequency. If you receive your 2026 sales goal and your immediate thought is: “There's no way I can do this,” then that is the frequency you are broadcasting. You are not tuned to the level where that goal exists. You cannot reach a destination using the same level of thinking that created your current results. This is why Marshall Goldsmith's principle holds true: What got you here won't get you there.[iii] The Key to Chapter I: Unwavering Belief Napoleon Hill makes this unmistakably clear: “When a person really desires a thing so deeply that they are willing to stake their entire future on a single turn of the wheel to get it, they are sure to win.” (Chapter I, p. 2, TAGR) Barnes staked his future on belief. Sales excellence requires the same commitment. A 5-Step Sales Application Framework to Apply Chapter 1 STEP 1 When your sales goal is set, ask yourself honestly: Do I believe I can achieve this? STEP 2 If belief is present, create a clear, actionable plan—and commit to following it consistently. STEP 3 If belief is not present, seek out someone who has already achieved the result. Borrow their certainty. Follow their guidance exactly. STEP 4 Once belief is established, take daily action. There is no wishing—only disciplined effort backed by belief. STEP 5 Monitor not just results, but your level of belief. When belief wavers, behavior follows suit. When behavior wavers, results disappear. Final Thought for Chapter 1 Edwin C. Barnes did not succeed because he was lucky. He succeeded because he thought differently—and held that thought long enough for reality to align with it. He jumped to an entirely new frequency with this belief. Sales mastery begins the same way. Not with tactics. Not with scripts. But with the Power of Thought Backed by Belief. Chapter II: Desire From Wanting Sales to Demanding Results Core Idea: Desire must be emotionally charged and specific. Sales Application: Turning vague quotas into emotional targets Why clarity eliminates hesitation Selling with intention vs need Listener Takeaway: Vague goals create vague results.   REVIEW OF CHAPTER II: DESIRE — The Starting Point of All Achievement Chapter II of Think and Grow Rich brings us to the engine behind every meaningful result: Desire. Napoleon Hill makes this unmistakably clear: “All achievement begins with an idea.” But not every idea becomes reality. Only ideas fueled by burning desire become reality. Hill describes Edwin C. Barnes' desire as something very specific: “It was not a hope. It was not a wish. It was a pulsating desire which transcended everything else. It was definite.” (Chapter II, p. 19, TAGR) Barnes did not hope to work with Thomas Edison. He did not wish it might happen someday. He expected it. At the time, there was no evidence this partnership would ever exist. Barnes and Edison were not in conversation. There were no guarantees. No proof. No visible path. And yet Barnes committed to the idea anyway. That's the nature of true desire: It moves before evidence appears. Going from where you are now to where you want to go is always a process—and at the beginning of that process, desire often feels irrational, private, even uncomfortable to say out loud. That doesn't make it wrong. It makes it powerful. Why This Matters for Sales In sales, desire drives behavior. You don't need to know how you'll hit your goal at the beginning. You only need to know what you want and why you want it. The “how” always reveals itself after this commitment. This is something my mentor Bob Proctor emphasized constantly. When I moved from Canada to the United States in 2001, I had no clear roadmap. I didn't know exactly how it would work. But I had clarity of desire—and that was enough to begin. The way was shown… Along with obstacles. Many of them. That's always how it works. Obstacles are not signs you're off track. They are part of the process. Desire and Sales Frequency What does DESIRE have to do with SALES SUCCESS? Here's the key sales translation: Hesitation does not exist at the same frequency as certainty. It's this certainty (or burning desire) that we will need. When desire is weak: You hesitate You soften your language You sell with need instead of intention When desire is strong: Clarity replaces doubt Energy becomes steady Certainty becomes transferable to those you are speaking to Ask yourself honestly: Do I have the same burning desire in my sales goals that Edison saw in Barnes' eyes? Because others can feel it—just as easily as they can feel when it's missing. Desire radiates. Hesitation leaks. And buyers will respond accordingly. Burning the Ships Hill offers one of the most powerful principles in the book in this chapter on Desire: “Every person who wins in any undertaking must be willing to burn their ships and cut all sources of retreat.”(Chapter II, p. 21, TAGR) Barnes did this when he traveled to New Jersey to meet Edison. I did this when I left Toronto for the United States in 2001. There was no “going back if it didn't work.” Burning the ships forces alignment. And this connects directly to a later chapter: Decision. The Latin root of the word decision means “to cut.” When you decide, you cut off retreat. You look at your sales goal and see no acceptable outcome other than its achievement. That level of commitment changes how you show up every single day. The Six Steps to Achieve Any Goal (Chapter II) Next in this Chapter, Napoleon Hill outlines six steps designed to impress desire directly into the subconscious mind. Though written about money, (in the book) these steps apply to any goal, including sales. These are the steps I personally keep visible—and that leaders like American Businessman Grant Cardone practice daily. The Six Steps Write a clear description of what you want. You must know exactly where you're going. What is your sales goal? Decide what you're willing to give in return. There is no such thing as something for nothing. You will give up something of lower value to gain something greater. (I never understood this until I watched others with their achievements. Sometimes it's giving up time, or watching Netflix, or something like that. You give up something of a lower nature, to receive what it is that you want). Set a definite date. Desire without a timeline remains a wish. Create a clear action plan. Begin immediately—ready or not. Write the plan out in detail. Clarity strengthens commitment. Read it twice a day. As you read, see, feel, and believe yourself already in possession of the goal. (Chapter II, p. 23, TAGR) This sounds simple—but not easy. Most people won't do it consistently. That's why most people won't get these extraordinary results. Listener Takeaway Vague goals create vague results. Sales success begins the moment desire becomes: clear emotionally charged and non-negotiable Final Thought — Chapter II: Desire Desire is not motivation. It is not excitement. It is not ambition. Desire is commitment before evidence appears. When your desire is strong enough: hesitation disappears clarity sharpens certainty becomes visible And when certainty is visible, others respond to it. Sales does not reward the most talented. It rewards the most committed. Everything that follows in Think and Grow Rich rests on this foundation. If desire is weak, nothing else works. If desire is strong, the rest becomes possible. Chapter III: Faith Certainty Is the Real Close Core Idea: Faith is belief made visible through certainty. Sales Application: Why buyers borrow certainty from the salesperson Confidence vs arrogance How belief softens objections Listener Takeaway: Buyers don't borrow certainty from products. They borrow it from you.   REVIEW OF CHAPTER III: FAITH How Do We Develop Faith? Napoleon Hill defines faith clearly and practically: “Faith is a state of mind which may be induced, or created, by affirmations or repeated instructions, through the principle of autosuggestion.” (Chapter III, p. 46, TAGR) Faith is not something you wait for. It is something you train. We develop faith by following the six steps outlined in Chapter 2 of Think and Grow Rich: writing our goals and reading them aloud every day—twice a day—until the idea moves from the conscious mind into the non-conscious mind through autosuggestion. This is a process. If you have never read your goals out loud before, it may feel uncomfortable at first. When I started, I remember closing my office window, worried my neighbors might think I was crazy. In the beginning, the words can feel awkward and forced. But with repetition, something changes. Your words begin to flow more easily. Your tone becomes confident. And eventually, what once felt unnatural starts to feel true. Our goals begin living with and through us. Hill instructs us to read our goals: “As if you were already in possession of them.” (Chapter III, p. 48, TAGR) A simple way to do this is to begin with the statement: “I am so happy and grateful now that…” and then state your goal clearly—whether it's a sales target or any other objective you are working toward.   Faith, Autosuggestion, and Something Bigger This is often the point where people bring their own beliefs into the process. If you believe—as I do—that there is something greater than yourself at work in the world, you will feel it here. Hill called it Infinite Intelligence. Others may call it God, Spirit, or Universal Intelligence. Hill wrote: “Faith is the element, the ‘chemical' which, when mixed with prayer, gives one direct communication with Infinite Intelligence.” (Chapter III, p. 49, TAGR) Regardless of what you call it, the experience is the same: faith grows when belief is repeatedly impressed upon the mind. And this is critical: We must have faith in our dreams, not in our doubts.   Faith Applied to Sales In sales, faith shows up as certainty. Buyers do not buy certainty from products. They borrow it from the salesperson. This is where many people get confused. Faith is not arrogance. Arrogance is loud and brittle. Faith is calm, grounded, and steady. When you believe in: yourself the value you bring and the outcome you're guiding someone toward your certainty becomes transferable. And when certainty is present, objections soften. Not because you argue them away—but because belief replaces resistance. How Faith Becomes Unwavering To build unwavering faith, Hill's principles point us to three realities: You must move through the Terror Barrier of Fear. Faith grows when your conscious and non-conscious minds begin to align. Fear appears first—but it does not get the final word. Faith strengthens through repetition. Writing and repeating your goals daily through autosuggestion gradually reshapes belief. Faith grows fastest when focused on one clear idea. Pick one goal. Take action toward it. Each step builds self-confidence, self-awareness, and self-esteem. Over time, belief takes hold. One day, you'll look back at the early version of yourself—the one who hesitated, doubted, or felt unsure—and you'll realize how far you've come. I talk about this idea often. It's like adding red food color drops into a cup of water. In the beginning, it's hard to see any change in the color of the water. But over time, with persistent action, the glass of water eventually changes color. And you'll look back and be grateful you moved forward past fear. Listener Takeaway Buyers don't borrow certainty from products. They borrow it from you. Final Thought — Chapter III: Faith Faith is not pretending. It is not positive thinking. And it is not blind optimism. Faith is certainty trained through repetition. When belief becomes strong enough, it changes how you speak, how you act, and how others respond to you. Sales closed do not happen at the end of the conversation. They happen the moment certainty is felt. And certainty begins inside you. REVIEW OF CHAPTERS I–III The Foundation of Sales Mastery To review and conclude this special review of Napoleon Hill's Think and Grow Rich, through the lens of a salesperson, we covered the first three chapters of Think and Grow Rich that form a complete inner foundation. Together, they explain why sales success begins long before tactics, scripts, or strategies ever matter. Before there is action, there is belief. Before belief, there is desire. And before desire, there is thought. Napoleon Hill does not begin this book with techniques. He begins with identity and inner alignment. For sales professionals, these chapters explain why results are not random—and why performance is always an inside-out process. Chapter I — The Power of Thought Why Sales Outcomes Begin in the Mind Chapter I introduces the central premise: Thought is creative. Through the story of Edwin C. Barnes, Hill shows us that success begins when a person decides what they want and holds that thought with unwavering persistence—long before evidence appears. Barnes did not hope to work with Thomas Edison. He decided it would happen. Despite having no money, no relationship, and no visible path, Barnes carried himself with such certainty that Edison felt it immediately. Edison did not respond to Barnes' circumstances—he responded to Barnes' state of mind. Sales Application: Sales performance reflects what you expect, not what you wish for. Your internal dialogue: sets your confidence level shapes your tone determines whether you lead or hesitate You don't get the sale you want. You get the sale you expect—the one you truly believe is possible. Chapter II — Desire From Wanting Sales to Demanding Results If thought sets direction, desire supplies the fuel. In Chapter II, Hill makes a critical distinction: Desire is not hope. It is not wishing. It is not motivation. True desire is emotionally charged, specific, and definite. Barnes' desire to work with Edison was not casual or negotiable. It was what Hill called a burning desire—so strong that Barnes was willing to stake his future on it. Sales Application: Desire determines behavior. When desire is vague: goals feel optional hesitation increases selling comes from need When desire is clear and emotionally anchored: confidence sharpens clarity replaces doubt certainty becomes visible Vague goals create vague results. Sales success accelerates the moment desire becomes non-negotiable. Chapter III — Faith Certainty Is the Real Close Chapter III explains how desire becomes believable: through faith. Hill defines faith not as blind belief, but as a trainable state of mind, developed through repetition and autosuggestion. Faith is belief made visible through certainty. By writing goals clearly and reading them aloud daily—as if already achieved—belief moves from the conscious mind into the non-conscious mind. Over time, certainty replaces doubt. Sales Application: Buyers do not borrow certainty from products. They borrow it from the salesperson. Faith shows up in sales as: calm confidence (not arrogance) steady tone authority without pressure When faith is present, objections soften—not because they're argued away, but because certainty dissolves resistance. How Chapters I–III Work Together These chapters are not separate ideas. They form a sequence: Thought sets direction Desire creates commitment Faith produces certainty Without thought, there is no aim. Without desire, there is no momentum. Without faith, there is no follow-through. Sales mastery begins here—not with what you say, but with who you are being when you say it. Final Integrated Insight (Chapters I–III) Sales does not reward effort alone. It rewards clarity, commitment, and certainty. When: your thoughts are aligned your desire is definite and your faith is trained your results begin to change—often before your strategy does. Because at the highest level, sales is not a transaction. It is the transference of emotion. And the primary emotion is certainty. With gratitude to close out our review of Chapters 1-3 of Think and Grow Rich dedicated to the salesperson, we bring our credit to Paul Martinelli, who has helped me to understand not only the entire book, for our first review, but to now take this book, and apply it for success in the sales industry. I hope you have enjoyed this angle of this timeless book, and we will see you in a few days for PART 2 of this review, where we will cover the next 3 chapters of Think and Grow Rich. See you soon!   RESOURCES: Neuroscience Meets Social and Emotional Learning Podcast EPISODE #190  PART 1 “Making 2022 Your Best Year Ever”  https://andreasamadi.podbean.com/e/think-and-grow-rich-book-review-part-1-how-to-make-2022-your-best-year-ever/ Neuroscience Meets Social and Emotional Learning Podcast EPISODE #191    PART 2 on “Thinking Differently and Choosing Faith Over Fear”  https://andreasamadi.podbean.com/e/think-and-grow-rich-book-review-part-2-how-to-make-2022-your-best-year-ever-by-thinking-differently-and-choosing-faith-over-fear/   Neuroscience Meets Social and Emotional Learning Podcast EPISODE #193    PART 3 on “Putting Our Goals on Autopilot with Autosuggestion and Our Imagination”   https://andreasamadi.podbean.com/e/think-and-grow-rich-book-review-part-3-using-autosuggestion-and-your-imagination-to-put-your-goals-on-autopilot/   Neuroscience Meets Social and Emotional Learning Podcast EPISODE #194    PART 4 on “Perfecting the Skills of Organized Planning, Decision-Making, and Persistence” https://andreasamadi.podbean.com/e/think-and-grow-rich-book-review-part-4-on-perfecting-the-skills-of-organized-planning-decision-making-and-persistence/   Neuroscience Meets Social and Emotional Learning Podcast EPISODE #195    PART 5 [xxviii] on “The Power of the Mastermind, Taking the Mystery Out of Sex Transmutation, and Linking ALL Parts of the Mind” https://andreasamadi.podbean.com/e/think-and-grow-rich-book-review-part-5-on-the-power-of-the-mastermind-taking-the-mystery-out-of-sex-transmutation-and-linking-all-parts-of-our-mind/   PART 6 “In Memory of the Legendary Bob Proctor: The Neuroscience Behind the 15 Success Principles in Napoleon Hill's Think and Grow Rich book”   https://andreasamadi.podbean.com/e/the-neuroscience-behind-the-15-success-principles-of-napoleon-hill-s-classic-boo-think-and-grow-rich/   REFERENCES [i] Neuroscience Meets Social and Emotional Learning Podcast EPISODE #190 PART 1 “Making 2022 Your Best Year Ever”  https://andreasamadi.podbean.com/e/think-and-grow-rich-book-review-part-1-how-to-make-2022-your-best-year-ever/ [ii]Study Think and Grow Rich with Paul Martinelli  https://yourempoweredlife.com/think-and-grow-rich/ [iii] What Got You Here, Won't Get You There: How Successful People Become Even More Successful by Marshall Goldsmith, June 12, 2008  https://www.amazon.com/What-Got-Here-Wont-There/dp/1846681375  

Most Health Coaches Don't Need More Knowledge… They Need a System. If you've ever felt like: • You're doing everything right but results are inconsistent • Clients improve… then plateau • You're reinventing the wheel with every new case This episode is for you. Today, I walk health coaches & IHPs through the exact 5-step Personomics system for turning inconsistent results into a repeatable, personalized framework without losing the human side of coaching. Inside the episode you'll learn: • How to start every client with clarity instead of guesswork • Why assessments should drive labs—not the other way around • The critical step most coaches skip while waiting for results • How to deliver a complete plan that finally makes the story click for clients • The difference between static plans and adaptive coaching that keeps clients engaged month after month This isn't about selling sessions… It's about offering a system.For all the details tune into today's Integrative #HealthCoachSuccess episode 418 to discover how to add the new Personomics System into your coaching with a simple 5-step plan you can copy! - - -   Listen or Watch At:  IHP.Coach/418   - - - Dr. Cabral's Book, The Rain Barrel Effect: https://amzn.to/2H0W7Ge - - - Become an Integrative Health Practitioner: https://integrativehealthpractitioner.org