Podcasts about step plan

This episode features David McKnight sharing the top five reasons why a Roth 401(k) is far superior to a traditional 401(k). Something important to keep in mind: the decision you make today will determine how much of your retirement money your future self actually gets to keep. David touches upon the fact that choosing the wrong 401(k) could cost you hundreds of thousands of dollars in unnecessary taxes in retirement. Tax rate risk is the first big reason why you should consider investing in a Roth 401(k) over a traditional 401(k). David lists a series of key questions people who invest in a traditional 401(k) often fail to ask themselves. The second reason to consider a Roth 401(k) over a traditional 401(k) is Social Security taxation. Most people believe that Social Security is tax-free…but it's not. 50% of your Social Security, plus wages, pensions, and interest, as well as all withdrawals from traditional IRAs and traditional 401(k)s, are what the IRS counts as provisional income. The third reason for choosing a Roth 401(k) and not a traditional 401(k) has to do with something that most retirees never plan for: Income-Related Monthly Adjustment Amount (IRMAA). Remember: "When you control your taxable income, you control your Medicare costs." Required Minimum Distributions (or RMDs) are the fourth reason for opting for a Roth 401(k). The fifth reason for going for a Roth 401(k) instead of a traditional 401(k) has to do with your heirs. When they inherit a traditional 401(k), it becomes a tax bomb. So, why choose a Roth 401(k) over a traditional 401(k)? Because a Roth 401(k) helps you eliminate tax rate risk, avoid Social Security taxation traps, prevent Medicare premium explosions, stay in control of withdrawals, and leave tax-free income to your heirs.     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

Profit First is an amazing system, but only when you use it correctly. Too many small business owners hear the concept and immediately open a ridiculous number of bank accounts, creating confusion, stress, and a bookkeeping nightmare. In this video, we break down what Profit First is really about: starting small, building discipline, and using your accounts with intention. We'll also talk about the most important part of Profit First that no one mentions - Knowing Your Numbers! Your Profit & Loss and Profit First must work together if you want real results. Let's clean up the chaos and get you on a path to true profit.

In this week's episode of The Career Confidence Podcast, I am looking into my crystal ball and identifying the key career themes for 2026. In this episode, we talk about:The integration of artificial intelligence into our professional lives will be crucial as we move forward, enabling us to enhance our productivity while retaining our unique human qualities that AI cannot replicate. Career resilience is no longer optional; we must adapt to rapid changes in the job market and develop versatile skills that enhance our employability across various sectors and industries. The traditional career ladder is becoming obsolete, and it is imperative that we begin to view our careers as portfolios filled with diverse experiences that showcase our adaptability and problem-solving capabilities. Establishing a strong personal brand is essential in today's competitive job market, as it not only highlights our skills but also ensures we are recognised for our contributions and expertise within our professional networks. The importance of maintaining personal well-being cannot be overstated, as we navigate a fast-paced work environment; setting boundaries and prioritising self-care will help prevent burnout and promote sustainable career growth. I also share how you can get involved and help shape the future of The Career Confidence Podcast when it returns in 2026.NB: I'm taking a break from releasing new episodes but there are over 120 episodes for you to explore!!!About Nicola SempleI help people build their career confidence and achieve their career goals.You can book a free no-obligation chat about how I can support you to achieve your career goals: https://nicolasemple.com/chatYou can get my free guide "Back Yourself: Your 7 Step Plan to Build Confidence and Achieve Your Career Goals": https://nicolasemple.com/backyourselfYou can buy my book The Career Confidence Toolkit: Take Control of Your Career and Fulfil Your Potential: https://nicolasemple.com/bookConnect with me on Linked In to carry on the conversation: https://linkedin.com/in/iamnicolasempleA new episode of The Career Confidence Podcast is released every second Friday. Hit the subscribe button and you will be the first to know when a new episode goes live.

This episode sees David McKnight look at Suze Orman, who, despite being one of the most widely recognized financial voices in America, shares what appears to be incomplete advice. David believes that Orman has done a lot of good for a lot of people thanks to her financial discipline-centered approach (in addition to being a big proponent of Roth IRAs). He agrees with Orman: "Roth IRAs are powerful, no doubt about it. You contribute after tax dollars, your money grows tax-free, and, provided you meet the requirements, you can withdraw those funds in retirement 100% tax-free".  The U.S. is currently at historically low income tax rates and, thanks to the One Big Beautiful Bill Act, they have been permanently extended. However, David shares that, when it comes to the IRS tax code, there's no such thing as a permanent extension. David's pet peeve with Orman: getting money into Roth IRAs now (while tax rates are low) isn't something that will truly protect you from rising tax rates in retirement. That's because a Roth IRA by itself isn't enough. In his book The Power of Zero, David advocates for a balanced, comprehensive approach to tax-free retirement that draws from six different streams of tax-free income. David goes through the six strategies and explains why you need each and every one of them if you want to land in the 0% tax bracket in 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 Suze Orman OBBBA (One Big Beautiful Bill Act)

Send us a textIt's that time of year. You're waiting for management to spin the "Bingo Wheel" and drop a new, terrifying number on your desk. "Congratulations, you grew 15% last year... now we need 25%." Panic sets in.This week on "The Selling Podcast," Mike and Scott reveal why waiting for your quota to build a plan is a rookie mistake. They argue that you must create your sales plan before you receive your quota. Why? Because data gives you leverage. If you know your numbers better than your manager does, you turn a mandate into a negotiation.We break down the 3 effective ways to create a quota-based sales plan that puts you in the driver's seat:Start with a Data-Driven Breakdown: Don't look at the scary big number. Mike explains how to slice the data by product, time, and customer. Understand exactly where your growth came from last year so you know if a 20% increase is a pipe dream or a layup.Territory & Segment Prioritization (Assign Quotas to Clients): This is the secret sauce. You can't control corporate, but you can control your territory. We discuss "monetizing" your accounts by mentally assigning them their own quotas. We also introduce the "2x4 Method" (selling 2 products to 4 accounts, or vice versa) to visualize exactly where the new revenue will come from.Build a Pipeline That Matches the Strategy: A goal without a pipeline is just a wish (or a pipedream). We discuss how to ensure your pipeline math actually supports the new number, factoring in close rates and "sandbagging" buffers.Plus, we have a candid (and hilarious) conversation about "Sandbagging"—the sales rep's secret weapon. Is it ethical? Does every manager know you're doing it? (Spoiler: Yes, and they're doing it too).Tune in to stop fearing "The Number" and start building a plan that makes hitting quota a mathematical certainty.Support the showScott SchlofmanMike Williams - Cell 801-635-7773 #sales #podcast #customerfirst #relationships #success #pipeline #funnel #sales success #selling #salescoach

Breaking out your sales on your Profit & Loss statement might be the single biggest game changer in your business. When you separate your sales into categories, you finally see what's working… and what's wasting your time. You can spot trends, identify low-profit areas, understand where you're spending too many hours, and see exactly which parts of your business drive real profit. In this episode, we talk about why breaking out your sales matters, how it helps you make smarter decisions, and touch on how to do it in QuickBooks. If you want to grow your profits, start by understanding where your sales actually come from. -----------------------------   CONTACT ME:

Snag Our Simplified Budget System!Schedule an Annual Planning SessionHey Budget Besties — can you believe it? We're heading into 2026.

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This episode reveals how small, courageous steps like house hacking and steady learning can transform a beginner into a confident investor capable of building long-term wealth through appreciation, strategic planning, and a mindset grounded in action and possibility.See full article: https://www.unitedstatesrealestateinvestor.com/rise-into-your-purpose-building-wealth-courage-and-a-new-future-with-chase-louderback/(00:00) - Welcome Back to The REI Agent and Reintroducing Guest Chase Louderback(00:18) - Revisiting Chase's First Appearance and Early Syndication Work(00:42) - Setting the Goal for This Conversation and How Mattias and Chase First Connected(01:05) - Chase's First Deal in College and What Led Him to Become an Agent(02:20) - Why Chase Sought Speed and Control by Getting His Real Estate License(03:00) - How Long Chase Invested Before Getting His License and Early Challenges(03:30) - When Brokerages Merged and How Their Real Estate Clubs Joined Forces(04:05) - Understanding Chase's Two Path Career Split and How It Slowed Growth(05:10) - Underestimating What Was Possible and How Limiting Beliefs Held Him Back(06:20) - Mattias Reflects on Chase's Accomplishments and Sets Up the New Investor Framework(07:15) - Choosing Between Becoming an Agent or Becoming a Wholesaler When Starting Out(08:35) - Why Chase Recommends New Investors Avoid Wholesaling and Focus on Agency(09:20) - Why Working Under an Experienced Agent Can Be the Ideal Starting Point(10:15) - How W-2 Income Helps New Agents Qualify for Their First House Hack(11:15) - Creative House Hacking Approaches for First Time Investors(12:33) - Matching Your Career Path to Your Long Term Real Estate Goals(13:00) - Why House Hacking Works and How Modern Tech Makes Renting Rooms Easier(13:48) - Understanding the Power of Appreciation and Buying in the Right Location(14:30) - Mattias on the Importance of Swinging Early and Getting Your First Deal(15:00) - Why Having a Mentor Protects You From Beginner Mistakes(16:00) - Long Term Wealth Through Appreciation and Holding Properties(16:45) - How Every Market Is Different and Why Cash Flow vs Appreciation Depends on Geography(17:46) - Why Out-of-State Rentals Often Make Less Sense for New Investors(18:35) - How Small Cash Flow Gains Compound Over Time(20:10) - How to Build a 5 Year Base Using Low-Down Payment House Hacks(21:05) - Builder Advantages and the Benefits of Living in New Construction(21:50) - Erica and Mattias' Family Approach to Early Investing(22:14) - Why House Hacking Is Still Chase's Preferred Starting Strategy(24:20) - Using HELOCs for Safety, Not for Down Payments(26:00) - Building Flexibility Through Creative Capital Structures(26:25) - Chase's Full Step-by-Step Plan to Scale From Zero to Large Deals(27:47) - How to Build Relationships and Earn Access to Better Off-Market Deals(28:33) - Why Smaller Properties Can Be More Work and Carry Higher Risk(29:39) - Fear Barriers and How Investors Grow Into Larger Deals(30:54) - Why There Is No Rule Requiring You to Start Small(32:47) - Why Brand New Townhouses Can Still Be Smart First Investments(33:00) - Incentives, Builder Warranties, and Lending Advantages(34:34) - How Syndications Act Like a 401k for High-Earning Agents(35:39) - Understanding Depreciation, Cost Segregation, and LP Advantages(36:24) - Tax Strategy Considerations and CPA Guidance for Agents(37:39) - Closing Thoughts and Gratitude for Chase Returning to the StudioContact Chase Louderbackhttps://chaselouderback.funkhousergroup.com/https://www.facebook.com/profile.php?id=100057614462430&locale=gn_PYhttps://www.linkedin.com/in/chase-louderback/If Chase's journey taught anything, it is that small steps taken with courage can build a powerful foundation for long-term wealth. Start where you are, learn as you go, and commit to the path. For more inspiration and guidance, visit https://reiagent.com

David McKnight addresses three key questions you must be able to answer before executing a single Roth conversion. Too many people go for Roth conversions without a game plan – this is something that can lead to overpaying taxes and running out of money sooner than anticipated. David points out that if you can't answer the three key questions, you should stop and reevaluate because guessing here can cost you big. "What's the total amount I should convert from my IRA or 401(k) to tax-free?" is the first and most critical of the three questions. Remember, the goal of a Roth conversion isn't to get your tax-deferred bucket to zero at all costs. It's to get to the right amount of tax-deferred dollars shifted to tax-free, the amount that allows you to stay in the 0% tax bracket in retirement. "How much should I convert each year?" is the second question and is about pacing your conversion so as to avoid unnecessary exposure to higher tax brackets. The goal is to convert to Roth slowly enough that you don't rise into a tax bracket that gives you heartburn. "Over what time frame should I complete my Roth conversions?" is the third question you should address before executing a Roth conversion. Addressing each of the three questions helps you shift from Roth conversion guesswork to Roth conversion strategy. Be careful. Most financial gurus will say "Roth conversions are great, just pay the tax and move on!"     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 OBBBA (One Big Beautiful Bill Act) Donald Trump David Walker

Most small business owners don't think about retained earnings until they desperately need them. Retained earnings are your business's safety net, growth fund, and stress reducer all rolled into one. Let's break down why retained earnings matter and how they help you prepare for upcoming purchases, cover payroll, reinvest in your business, avoid late fees, and keep your cash flow steady. When you build retained earnings, you build stability. When you ignore them, every surprise becomes a crisis. Let's talk about how to finally get ahead instead of constantly catching up. -----------------------------   CONTACT ME:

Your Pitch Deck Will Not Sell For You (Use This 5-Step Plan)

Gift: The Metaphysics of Branding Masterclass: https://bit.ly/divine-prosperityOverflow: The Lifestyle Rich Woman: https://bit.ly/OverFlow-Mina-IrfanWork with me: https://bit.ly/Celestial-ProsperityMina's Books: www.ladyballsbook.com

David McKnight busts some of the most common Roth conversion myths that are costing retirees hundreds of thousands – if not millions –  of dollars over the course of retirement. The "Don't worry about Roth conversion, you'll be in a lower tax bracket when you retire" myth is based on two flawed assumptions. The first one is that your lifestyle will drop significantly in retirement, while the second is the one related to future tax rates being the same or lower than they are today. David points out that, in retirement, people want to maintain their lifestyle. In some cases, they even spend more in early retirement (think travels, healthcare and helping with kids or grandkids). Let's remember that the U.S. national debt is projected to hit $63 trillion by 2035. The country has unfunded obligations in Social Security, Medicare, and Medicaid that total over $200 trillion, and interest on the debt is going to crowd out most of the national budget items by the mid 2030s… The primary value of a Roth conversion is that it pre-pays taxes at historically low rates to avoid paying them later when rates are likely to be higher. Roth conversions not being binary, and the fact that you can get massive tax benefits without having to convert your entire IRA is another big myth David debunks. David explains why you should voluntarily pay taxes instead of delaying that decision. Ever heard of "If you don't have cash to pay the tax, you shouldn't convert"? It's another myth David addresses in this episode. For the millions of Americans who have most of their savings in tax-affirmed accounts, strategic conversions are one of the best ways to insulate yourself from the tax freight train bearing down on America.     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

Re-release: Are you looking for insights to help you achieve your goals and maximize your potential? On this episode of the Live Greatly podcast Kristel Bauer sits down with Jon Acuff, the New York Times bestselling author of nine books, to discuss his book, 'All It Takes Is a Goal: The 3-Step Plan to Ditch Regret and Tap Into Your Massive Potential.'  Kristel and Jon discuss why goals are important, how to build momentum with goal setting, and how to avoid common pitfalls that can hold you back from being successful with your goals.  Tune in now! Key Takeaways from This Episode: A look into Jon's new book 'All It Takes Is a Goal: The 3-Step Plan to Ditch Regret and Tap Into Your Massive Potential'  Surprising research from Jon's new book Why it is important to start with small goals and end with guaranteed goals How perfectionism can hold you back from being successful with your goals How to build momentum with goal setting Tips for navigating the fear of failure ABOUT JON ACUFF: Jon Acuff is the New York Times bestselling author of nine books, including Soundtracks, Your New Playlist, and the Wall Street Journal #1 bestseller Finish: Give Yourself the Gift of Done.  Jon has a new book, All It Takes Is a Goal: The 3-Step Plan to Ditch Regret and Tap Into Your Massive Potential (Baker Books, September 2023). Backed by research—including hundreds of real people testing their own real goals—All It Takes Is a Goal shows you how to plan goals that you're guaranteed to reach by focusing on your best moments, navigating the three zones of performance, and finding ways to fuel your passions, all while actually enjoying the ride. When he's not writing or recording his popular podcast, All It Takes Is a Goal, Acuff can be found on a stage as one of INC's Top 100 Leadership Speakers. He's spoken to hundreds of thousands of people at conferences, colleges, and companies around the world, including FedEx, Range Rover, Microsoft, Nokia, and Comedy Central. He lives outside of Nashville, Tennessee, with his wife and two daughters. To learn more, visit JonAcuff.com Website: https://jonacuff.com/  Book: https://jonacuff.com/all-it-takes-is-a-goal-book/  Instagram: @jonacuff LinkedIn: https://www.linkedin.com/in/jonacuff/  Facebook: https://www.facebook.com/authorjonacuff  Twitter: https://twitter.com/jonacuff  Youtube: https://www.youtube.com/authorjonacuff  About the Host of the Live Greatly podcast, Kristel Bauer: Kristel Bauer is a corporate wellness expert, popular keynote and TEDx speaker, and the host of top-rated podcast, "Live Greatly," a show frequently ranked in the top 1% for self-improvement. Kristel is an Integrative Medicine Fellow & Physician Assistant with clinical experience in Integrative Psychiatry, giving her a unique perspective into optimizing mental well-being and attaining a mindset for more happiness and success in the workplace and beyond. Kristel decided to leave clinical practice in 2019 when she founded her wellness platform "Live Greatly" to share her message around well-being and success on a larger scale.  With a mission to support companies and individuals on their journeys for more happiness, success, and well-being, Kristel taps into her unique background in healthcare, business, and media, to provide invaluable insights into high power habits, leadership development, mental well-being, peak performance, resilience, sales, success, wellness at work, and a modern approach to work/life balance. Kristel is a contributing writer for Entrepreneur and she is an influencer in the business and wellness space having been recognized as a Top 10 Social Media Influencer of 2021 in Forbes. A popular speaker on a variety of topics, Kristel has presented to groups at APMP, Bank of America, Commercial Metals Company, General Mills, Northwestern University, Santander Bank and many more. She has been featured in Forbes, Forest & Bluff Magazine, Authority Magazine & Podcast Magazine, has contributed to CEOWORLD Magazine & Real Leaders Magazine, and has appeared on ABC 7 Chicago, WGN Daytime Chicago, Fox 4's WDAF-TV's Great Day KC and Ticker News. Kristel lives in the Chicago area with her husband and their 2 children.  She can be booked for speaking engagements worldwide. You can learn more at https://www.livegreatly.co/  To Book Kristel Bauer as a speaker for your next event, click here. Website: www.livegreatly.co  Follow Kristel Bauer on: Instagram: @livegreatly_co  LinkedIn: Kristel Bauer Twitter: @livegreatly_co Facebook: @livegreatly.co Youtube: Live Greatly, Kristel Bauer To Watch Kristel Bauer's TEDx talk of Redefining Work/Life Balance in a COVID-19 World click here. Disclaimer: The contents of this podcast are intended for informational and educational purposes only. Always seek the guidance of your physician for any recommendations specific to you or for any questions regarding your specific health, your sleep patterns changes to diet and exercise, or any medical conditions.  Always consult your physician before starting any supplements or new lifestyle programs. All information, views and statements shared on the Live Greatly podcast are purely the opinions of the authors, and are not medical advice or treatment recommendations.  They have not been evaluated by the food and drug administration.  Opinions of guests are their own and Kristel Bauer & this podcast does not endorse or accept responsibility for statements made by guests.  Neither Kristel Bauer nor this podcast takes responsibility for possible health consequences of a person or persons following the information in this educational content.  Always consult your physician for recommendations specific to you.

Sales might look sexy, but profit is what actually wins the game.  Too many small business owners chase high sales thinking it means success, only to end up broke, stressed, and unable to reinvest in their business. Today, we talk about why growing your sales means nothing if those sales aren't profitable. You'll learn how to focus on the right sales, make smarter decisions, and build a business that puts real money in your pocket. Because at the end of the day… sales are fun, but profit is freedom. -----------------------------   CONTACT ME:

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This week's episode of The Career Confidence Podcast covers an important topic, feeling trapped by the financial security that your current role affords you. In this episode we tak about:The psychological burden of golden handcuffs, where financial security traps individuals in unfulfilling careers. What does success mean beyond financial metrics, particularly in different seasons of life?The importance of financial planning to facilitate career transitions. How increased income can lead to less personal freedom and happiness.Gradual career transitions vs dramatic shifts to achieve sustainable satisfaction. About Nicola SempleI help people build their career confidence and achieve their career goals.You can book a free no-obligation chat about how I can support you to achieve your career goals: https://nicolasemple.com/chatYou can get my free guide "Back Yourself: Your 7 Step Plan to Build Confidence and Achieve Your Career Goals": https://nicolasemple.com/backyourselfYou can buy my book The Career Confidence Toolkit: Take Control of Your Career and Fulfil Your Potential: https://nicolasemple.com/bookConnect with me on Linked In to carry on the conversation: https://linkedin.com/in/iamnicolasempleA new episode of The Career Confidence Podcast is released every second Friday. Hit the subscribe button and you will be the first to know when a new episode goes live.

We all want the holidays to feel meaningful and connected, but the pressure to meet expectations often pulls us away from what truly matters to us. Between obligations, traditions, cooking, cleaning, and planning, we often miss out on quality time with the people we care about or a chance to rest. If you're exhausted just thinking about putting on another holiday for everyone else, this episode will walk you through a simple four-step framework to help you create the holiday season you actually want. Here's what I cover:​Why people-pleasing is at an all-time high during the holidaysThree questions to help you pause and ask yourself what you truly wantHow to predict the discomfort that comes with prioritizing yourselfAn exercise to write down what support you need to make the holiday you want possibleHow to mentally rehearse the holiday and regulate your nervous system beforehandFind Sara here:https://sarafisk.coachhttps://pages.sarafisk.coach/difficultconversationshttps://www.instagram.com/sarafiskcoach/https://www.facebook.com/SaraFiskCoaching/https://www.tiktok.com/@sarafiskcoachhttps://www.youtube.com/@sarafiskcoaching1333What happens inside the free Stop People Pleasing Facebook Community? Our goal is to provide help and guidance on your journey to eliminate people pleasing and perfectionism from your life. We heal best in a safe community where we can grow and learn together and celebrate and encourage each other. This group is for posting questions about or experiences with material learned in The Ex-Good Girl podcast, Sara Fisk Coaching social media posts or the free webinars and trainings provided by Sara Fisk Coaching. See you inside!Book a Free Consult

Today's episode revolves around one of the biggest financial debates among pre-retirees and retirees: When should you take Social Security? Host David McKnight touches upon the recent debate of two of the smartest voices in the field – Dr. Laurence "Larry" Kotlikoff and Dr. Derek Tharp – on this exact question. Dr. Tharp, out of the University of Southern Maine, notes that economists commonly recommend delaying social security benefits until age 70. Boston University's Dr. Kotlikoff agrees and explains that delaying can give you a 76% higher monthly benefit compared to taking it at age 62.  Since Social Security is inflation-adjusted and guaranteed for life, it acts as longevity insurance. Hence, Dr. Kotlikoff thinks that waiting doesn't only help you but your loved ones too. Dr. Tharp isn't convinced: he points out that only about 10% of workers actually wait until age 70 to claim benefits. Overall, he sees studies that recommend delaying rely on overly conservative assumptions – they assume that retirees earn returns similar to Treasury inflation-protected securities. With this line of thinking, if your portfolio is earning 5% real returns instead of 2%, then delaying your benefits might not look as attractive mathematically… Dr. Kotlikoff cites Menahem Yaari's 1965 paper, which suggests looking at delaying social security like buying insurance. It protects you from the catastrophic risk of living too long and running out of money.  The debate continues with Dr. Tharp talking about the sequence of return risk.  If the market drops early in retirement and you're forced to withdraw more from your investments to delay Social Security, you can permanently damage your "nest egg". Even though he acknowledges Dr. Tharp's point, Dr. Kotlikoff points out that most retirees have options, such as continuing to work longer, cutting spending, downsizing, or borrowing temporarily instead of taking benefits early. Plus, he adds, the people most affected by sequence of returns risk are, generally, wealthier households… Dr. Tharp concludes the debate by citing a study showing that retirees tend to spend about 80% of predictable income streams like Social Security or pensions, but only about 50% of portfolio income. He also brings up Bill Perkins' book Die With Zero into the conversation. Perkins believes that Americans often focus too much on lifespan and not enough on health span. Dr. Kotlikoff responds by stressing that some people underspend, while others overspend… and that's exactly why there's a need for good planning software. For David, both Dr. Kotlikoff and Dr. Tharp make valid points, and it all boils down to a key question: how long are you going to live? If you're likely to die at 63, then you should probably take Social Security at 62. If you're going to live to age 100, it makes sense to wait until you're 70. While there's no accurate way to determine that, there's currently a group of people who are in the business of figuring that out: life insurance actuaries. David shares two reasons why you may want to consider the additional benefits of life insurance, especially Indexed Universal Life (IUL).       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

Every year small business owners act shocked when they owe money at tax time, but why? If you took money out of your business, the IRS wants its share. Today, we break down why you keep getting surprised and the simple system that will save you from the stress: setting up a high-yield savings account and moving money over every month. Even 10% is better than nothing. Whether you transfer a percentage or a set amount, the goal is the same - build a habit of saving so tax season doesn't break you. Stop being blindsided and start taking control of your numbers. -----------------------------   CONTACT ME:

In this workshop, we outline a strategy for generating consistent closings without ads, funnels, or content-heavy marketing. The focus is on working with active investors, understanding their buy boxes, and creating opportunity through real demand.The session walks through a simple 3-step system: finding real deals, connecting with cash buyers, and building a pipeline through steady follow-up and repeat transactions. Real examples show how this approach removes pressure and leads to more predictable deals.A live demonstration covers sourcing distressed properties, pulling investor data, and calling buyers in real time. It closes with guidance on pipeline control, relationship-driven deal flow, and the power of serving investors who are ready to move.Create your FREE account AND get 100 FREE credits NOW here: http://LeadDeck.AI

David McKnight looks at what happened when NASCAR legend Kyle Busch reportedly lost $8+ million in what was supposed to be a tax-free retirement plan. The plan Busch relied on was built around an indexed universal life insurance policy. According to Kyle and Samantha Busch's lawsuit, they paid more than $10.4M into several IUL policies issued by Pacific Life Insurance between 2018 and 2022. While these policies were pitched as a safe, self-funding, tax-free retirement plan, things didn't go as promised…  Poor design, unrealistic expectations, a delayed 1035 exchange, and poor oversight are the key reasons why the Busch's retirement plan ended up belly up. "If you're going to do a 1035 exchange, make sure you do it at the start of the policy, not years into it", warns David. David goes over the lessons that can be drawn from the Busch's case. For instance, you should never enter into a contract that you don't understand, nor should you do an IUL if you can't overfund it from day one. David believes that you shouldn't rely on the IUL alone…  In his opinion, the Busch case is a cautionary tale about what happens when one strategy is positioned as a silver bullet retirement solution. In a balanced, comprehensive approach to tax-free retirement, which includes Roth IRAs, Roth 401(k)s, and Roth conversions, the IUL's purpose is not to carry the whole load, but rather to act as a shock absorber. A recent Ernst & Young study demonstrated that a retirement income strategy that incorporates IUL provides far more income than a strategy that calls for investments alone. David shares a few tips on how to avoid the IUL trap that the Busches unfortunately fell into.     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 NASCAR Kyle Busch Samantha Busch Pacific Life Insurance  Ernst & Young

Ioana explains the origin of the term "vibe coding" and its core principles. She outlines how to build products using this approach, including a practical plan for coding with vibe coding methodologies. Ioana discusses how vibe coding can lead to burnout if not managed properly and emphasizes that vibe coding is a genuine approach to software development, not just a trend. She also recommends tools to start exploring vibe coding.This episode was recorded in partnership with ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Wix Studio.⁠⁠⁠Check out these links:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Enroll in Ioana's AI course ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠"**AI-Powered UX Design: How to Elevate Your UX Career"**⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ on Interaction Design Foundation with a 25% discount.Ioana's ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠AI Goodies Newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ioana's Domestika course ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Create a Learning Strategy⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Join Anfi's ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Job Search community⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠The community includes 3 courses, 12 live events and workshops, and a variety of templates to support you in your job search journey.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Into UX design⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ online course by Anfisa⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠❓Next topic ideas:Submit your questions or feedback anonymously ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Follow us on Instagram to stay tuned for the next episodes.

Everyone wants to "scale," but here's the truth, growth isn't free.  More sales, more staff, more moving parts… and if you're not careful, less profit and longer hours. Let's talk about what it really takes to grow your business the smart way. Scaling can be exciting, but it can also drain your time, money, and sanity if you don't have a plan for every dollar you spend. You'll learn how to use your numbers to grow strategically, work on your business instead of in it, and make sure your profits grow right along with your sales. Because what's the point of a bigger business if you're still not getting paid?

In today's hyperconnected world, one post can spark a PR storm in minutes. But here's the good news, every social media crisis is also a chance to show leadership, empathy, and authenticity.

Send us a textJoin the Fast Cash Mission Interest List to get a personalized invite.Join the 6 to $6k ChallengeWe share a fast, three-step plan to make $5,000 in a week by packaging a $1,000 mini offer, reactivating warm leads in your DMs and inbox, and proposing logical upsells to past buyers. We also announce a limited 6 to 6K challenge and a 30-day Fast Cash Mission with direct support.• picking a low-lift $1,000 mini offer with a clear outcome• finding and prioritising warm leads in DMs, inbox, and email list• writing short, personalised 2–3 sentence outreach that gets replies• mapping upsells for past clients based on unfinished goals• building a repeatable sales system with small offers• details on the 6 to 6K challenge and Fast Cash Mission• access to DM support, weekly micro tasks, and co-workingJoin the 6 to 6K Challenge: Today, November 9, is the last day. It's $77 and closes at 11:59 PM.Join the Fast Cash Mission interest list: Opens Thursday for one week, invite only via the interest list. If you buy 6 to 6K, we'll apply that cost to the Mission.Join my events community for FREE monthly events.I offer free events each month to help you master your business's growth through marketing, sales, systems, and offer strategy. Join the community here!Support the showApply for the Tiny Marketing Club >>> Join the ClubCome tour my digital home :) >>>WebsiteWanna be friends? >>> LinkedInLet's chat every Tuesday! >>> NewsletterCatch the video podcast on YouTube >>>YouTubeJoin my event group for live events >>>Meetup

Often when my clients hear about a friend/colleague who has made a change to their career, they say "I wish I could be as brave as X". In today's episode of The Career Confidence Podcast, I am talking about:The myth that those who successfully change careers are inherently braver than others is completely misleading. Career changes often stem from a tipping point where individuals can no longer tolerate their current situation. Staying in a job that doesn't fulfil you requires its own form of courage, as it can be emotionally exhausting and draining. Taking small, manageable steps towards a career change is more effective than waiting for a moment of exceptional bravery. Recognising and utilising personal strengths and resources can facilitate a successful transition, making it more accessible than you might think. About Nicola SempleI help people build their career confidence and achieve their career goals.You can book a free no-obligation chat about how I can support you to achieve your career goals: https://nicolasemple.com/chatYou can get my free guide "Back Yourself: Your 7 Step Plan to Build Confidence and Achieve Your Career Goals": https://nicolasemple.com/backyourselfYou can buy my book The Career Confidence Toolkit: Take Control of Your Career and Fulfil Your Potential: https://nicolasemple.com/bookConnect with me on Linked In to carry on the conversation: https://linkedin.com/in/iamnicolasempleA new episode of The Career Confidence Podcast is released every second Friday. Hit the subscribe button and you will be the first to know when a new episode goes live.

Why do so many Christians want to give more—but feel like they can't?Most of us want to be generous, but there are often barriers—spiritual, financial, or even emotional—that hold us back. Today, Ron Blue joins us to unpack five key reasons why Christians don't give more, and how we can begin climbing toward greater generosity.Ron Blue is a financial teacher, author, and co-founder of Kingdom Advisors. He has helped countless Christians apply biblical wisdom to their finances and is best known for his bestselling book, Master Your Money: A Step-by-Step Plan for Financial Contentment.Five Barriers to Generosity—and How to Overcome ThemGenerosity is one of the greatest marks of spiritual maturity, yet many Christians find themselves wanting to give more but feeling unable to do so. Over the years, most believers face five primary barriers to generosity. These form a kind of “pyramid,” with each level building on the one below it. The journey toward greater giving begins with the heart and ends with intentional planning.1. Spiritual Condition: The Foundation of GenerosityBefore generosity ever shows up in our bank accounts, it begins in our hearts. When we grasp who God is, who we are, and the grace that has been extended to us, generosity naturally flows from that understanding.The more we understand God's ownership and our role as stewards, the more we want to give. Spiritual maturity is the foundation—without it, our giving will always feel like an obligation instead of an act of worship.2. Financial Health: Creating Margin to GiveEven when our hearts are in the right place, poor financial habits can make generosity difficult. Many believers simply can't give more because they're weighed down by debt, overspending, or disorganization.It often takes time—sometimes even years—to align our finances with our convictions. That might mean getting out of credit card debt, restructuring a business, or learning to live within our means. When we get our financial house in order, we create margin for generosity to flourish.3. Vision: Seeing Where God Is WorkingPeople don't give to spreadsheets or buildings—they give to vision. When we can picture the impact of our giving, we're motivated to invest more deeply.A clear vision fuels generosity. Ask yourself: Where has God stirred my heart? What Kingdom work do I feel most passionate about? When we see how our resources can change lives—whether feeding children, funding missions, or supporting local ministries—we begin to give with joy and purpose.4. Community: Encouragement from OthersGenerosity rarely happens in isolation. We need relationships that encourage us to live open-handedly. When we surround ourselves with generous people—friends who talk about giving, pray about giving, and celebrate giving—we're inspired to do the same.Scripture reminds us that we are to “spur one another on toward love and good deeds” (Hebrews 10:24). Community reminds us that generosity isn't just an individual act—it's part of how the body of Christ functions together.5. Planning: Giving with IntentionFinally, generosity grows through intentional planning. I've seen it over and over in my work as a financial planner: when people create a plan for their giving, their generosity increases dramatically—sometimes fivefold.A plan brings clarity and purpose. It helps you set a “finish line” for lifestyle and accumulation so you can redirect more toward eternal purposes. Without a plan, even well-intentioned believers often give sporadically or reactively. With one, generosity becomes a consistent and joyful part of life.Moving Toward Greater GenerosityThese five layers—spiritual condition, financial health, vision, community, and planning—build upon each other. Each represents a step toward living and giving as God intended.So, which one are you ready to work on today?The journey toward generosity isn't about guilt—it's about grace. As we align our hearts, habits, and plans with God's purposes, we discover the joy of giving that truly reflects His character.On Today's Program, Rob Answers Listener Questions:I'm considering a reverse mortgage and wondering—if I were to get one—whether my creditors could come after the proceeds.How can younger people today start building wealth? What are some practical strategies to grow financially—and how can we stay positive and motivated when so many in our generation don't seem to think that way?I run a small architecture business, but my income has been inconsistent over the past few years. My financial advisor suggested I take a salaried job to help pay down debt and stabilize our family's finances. If I do that, how should I communicate with a potential employer that I'd like to keep my business on the side—and is that even wise to do?I've been researching digital currencies and the broader move toward electronic money. With more people, including political figures, showing support for it—and with lower fees and more direct transactions—what's your take on where this is heading?My husband is 65 and retired, and I'm 56 and still working. I've heard that a spouse can collect half of the other's Social Security benefit once they reach a certain age. Is that true, and how does it work?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Open Hands FinanceWisdom 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.

David McKnight focuses on three of the biggest names in personal finance – Dave Ramsey, Suze Orman, and Ken Fisher – and why you should be careful with following their advice. David emphasizes that anyone trying to wring the most efficiency out of their retirement savings should focus on advice that's backed by math… not soundbites. While David Ramsey is the right person for people who are making less than they are spending, the same can't be said for his retirement planning advice. For instance, he claims that 100% of cash value life insurance sucks 100% of the time.  For David, whenever someone gives you advice that claims it should be applied 100% of the time, you should run the other way! Remember: there's no financial strategy that works for everyone all the time. According to an Ernst & Young study, by contributing 30% of your retirement savings to an IUL, you'll dramatically increase your income in retirement over a stock market investing alone.  Citing E&Y, David explains an approach that shields you from the sequence of returns risk and that has a 95% chance of your money lasting as long as you do. David points out that most Americans don't have thousands of dollars lying around in savings accounts just to pay the taxes on a Roth conversion… David sees Dave Ramsey as someone who gives basic advice for people with basic problems and whose advice could potentially be catastrophic if you want to shield your retirement from higher taxes. When it comes to Suze Orman, David looks at her recent advice of keeping 3-5 years worth of living expenses in an emergency fund in retirement. While Orman is trying to safeguard against sequence of returns risk, she seems to be forgetting about inflation eating away at your purchasing power. As David shares his dislike of Orman's advice, he touches upon a resource that can double your sustainable withdrawal rate from 4 to as high as 8%. Ken Fisher, on the other hand, has become the face of the "anti-annuity crusade". The problem with Fisher's approach? He's primarily referring to variable annuities, completely disregarding fixed indexed annuities (which are a totally different animal). David discusses how replacing bonds with fixed annuities "can increase your returns, lower your risks, and give you a better outcome over time." Beware of financial gurus saying "I hate annuities", "100% of life insurance sucks 100% of the time", or "never pay taxes from your IRA"! In his latest book The Guru Gap, David takes a deep dive into the flawed logic of financial gurus, and gives the full story with the math, the context, and the strategies they conveniently leave out in their content and speeches.     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 Suze Orman Ken Fisher Ernst & Young

Are you a broke business owner?

David McKnight compares the approach of some of the biggest names in personal finance: Suze Orman, and William "Bill" Bengen (the man who invented the 4% Rule). In a recent interview covered by MSN, Suze Orman declared flat out that the 4% Rule is dead since markets are volatile, interest rates fluctuate, and people are living longer. David shares the "origin story" of how the 4% Rule came to be – and its creator Bill Bengen. Interviewed by MSN, Bengen updated his research and concluded that, based on current data, a 4.7% withdrawal rate is now sustainable. David compares Orman's views on the 4% Rule with those of Bengen. As explained by David, when you purchase a guaranteed lifetime income annuity, you're transferring a portion of your retirement savings to an insurance company in exchange for a guaranteed paycheck for life. Remember: not all annuities are created equal – that's why you need to understand fees, credit ratings, inflation writers and surrender periods. 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 Suze Orman William Bengen

Your business isn't growing and it's frustrating.

Content marketing, specifically on YouTube is a great way to generate leads and income. Here's your 5 step plan to getting started! WATCH this episode here: https://youtu.be/5oSfvyBQAJwJoin the YouTube Creator Accelerator: https://courses.latashajames.com/courses/creator-acceleratorThanks 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=podcast&utm_medium=influencer&utm_campaign=20251024_latasha-james_sign-up_en&utm_content=audio&utm_term=q4Mentioned: Evolved Finance Online Business Reporthttps://evolvedfinance.com/industry-webinar-youre-in/

Making a change to your career doesn't necessarily mean burning down everything you have worked for to date and starting from scratch. In today's episode, I share: How to leverage your professional experience and skills when pursuing new career opportunities.How to reframe your existing expertise to align with new roles. The power of your network and professional relationships to uncover hidden opportunities.Practical approaches for gradual career change. A reframe that helps you see age and experience as an asset, not a barrier to navigating career transitions. About Nicola SempleI help people build their career confidence and achieve their career goals.You can book a free no-obligation chat about how I can support you to achieve your career goals: https://nicolasemple.com/chatYou can get my free guide "Back Yourself: Your 7 Step Plan to Build Confidence and Achieve Your Career Goals": https://nicolasemple.com/backyourselfYou can buy my book The Career Confidence Toolkit: Take Control of Your Career and Fulfil Your Potential: https://nicolasemple.com/bookConnect with me on Linked In to carry on the conversation: https://linkedin.com/in/iamnicolasempleA new episode of The Career Confidence Podcast is released every second Friday. Hit the subscribe button and you will be the first to know when a new episode goes live.

For many people, contentment feels just out of reach—always tied to the next raise, the next purchase, or the next season of life. Yet Scripture calls us to something deeper and more lasting: a contentment that doesn't depend on circumstances but rests in Christ Himself.Psalm 23 begins with a stunning declaration:“The Lord is my shepherd; I have all that I need.” — Psalm 23:1 (NLT)David's words remind us that contentment doesn't come from acquiring more but from trusting the One who provides. Just as sheep rest securely under the care of their shepherd, we can rest in God's faithful provision.True contentment isn't about suppressing desire—it's about redirecting it. When we find sufficiency in Christ rather than in money, possessions, or achievements, we're freed from the trap of covetousness and anchored in the truth that in Him, we already have all we truly need.The Ancient Lie of DiscontentmentDiscontentment has plagued humanity from the beginning. In Eden, Adam and Eve had everything they needed, yet the serpent's lie convinced them they lacked something essential. Discontentment still whispers, “God is holding out on you—you'd be better off if you had more.”Today, that same voice is amplified through advertising, social media, and cultural comparison. We scroll through highlight reels and feel our lives don't measure up. But Hebrews 13:5 offers the antidote:“Keep your life free from love of money, and be content with what you have, for he has said, ‘I will never leave you nor forsake you.'”The cure for discontentment isn't having more—it's remembering that God is always with us.The Freedom of “Enough”Contentment is not resignation—it's liberation. It frees us from envy, overspending, and the crushing weight of comparison. Instead of striving endlessly for more, we learn to steward wisely what God has entrusted to us.Proverbs 30:8–9 captures this balanced perspective beautifully:“Give me neither poverty nor riches; feed me with the food that is needful for me…”The wise steward seeks enough—not excess. When we live this way, our financial decisions change. We spend with purpose. We give with joy. We save with peace. Contentment reorients money from being our master to being a tool for God's Kingdom.Think of the widow of Zarephath in 1 Kings 17. With only a handful of flour and a little oil left, she faced famine. Yet when Elijah asked her to make him a cake first, she trusted God's word—and He provided, not with overflowing barns, but with daily sufficiency.Or consider the Macedonian believers in 2 Corinthians 8. Paul wrote,“In a severe test of affliction, their abundance of joy and their extreme poverty have overflowed in a wealth of generosity.”Despite having little, they gave with glad hearts because their contentment was in Christ, not in their circumstances.These examples remind us that contentment and generosity often go hand in hand. When we are satisfied in Christ, we're free to bless others.Trusting the God Who ProvidesAt the heart of contentment is trust. Jesus said in Matthew 6:25–26,“Do not be anxious about your life… Look at the birds of the air: they neither sow nor reap nor gather into barns, and yet your heavenly Father feeds them. Are you not of more value than they?”Contentment flows from believing that God knows what we need and delights to provide for His children. As Elisabeth Elliot once wrote, “The secret is Christ in me, not me in a different set of circumstances.”When Christ becomes our treasure, everything else finds its proper place.That's why Paul could say in 1 Timothy 6:6:“Godliness with contentment is great gain.”Contentment isn't a loss—it's true gain. It's the kind of wealth no market downturn can erase and no thief can steal. Choosing contentment doesn't mean settling for less; it means resting in the sufficiency of Christ.When we stop chasing “more” and start trusting God's daily provision, we discover freedom, peace, and joy. That's the essence of faithful stewardship—not just managing money, but aligning our hearts with the One who promises, “I will never leave you nor forsake you.”On Today's Program, Rob Answers Listener Questions:I own several rental properties and would like to leave one to each of my children. I still want to collect the rental income, but I'd like to avoid probate and ensure a smooth transition when I pass away. How can I set up a trust to do that, and what's the best way to move forward?I got divorced in my mid-50s and had to start over from scratch. I'm now 66 with a little over $37,000 in my 401(k), which I'm eligible to roll over into an IRA. I'd really like to invest that money through a biblically based firm, but most of the ones I've contacted require a minimum investment of $50,000. Do you have any suggestions? And how can I build my savings over the next four years? $37,000 won't last long.I'm retired, and my husband will be retiring soon. We don't have a lot saved, but he does have a 401(k) through work. We're unsure what to do with it or how to ensure we'll have enough to live on in retirement. Can you help us think through the next steps?I work with students, and I've offered to invest $4,000, allowing them to choose some stocks to learn how investing works. Since I'll keep the money but let them make the decisions, what's the best way to buy individual stocks for this kind of project?My daughter's credit score is around 625, and she's committed to improving it. My score is over 800, and I've heard that adding her as an authorized user on my credit card could help her. Can you explain how that works and whether it could affect either of our credit scores?I feel completely lost when it comes to finances, but I want to set my family up for success. Can you recommend a reliable resource or starting point for learning the basics of managing money wisely?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Open Hands FinanceFidelity | Charles Schwab | Robinhood | Public | Stash | SoFi InvestYour Money Counts: The Biblical Guide to Earning, Spending, Saving, Investing, Giving, and Getting Out of Debt by Howard DaytonMaster Your Money: A Step-by-Step Plan for Experiencing Financial Contentment by Ron Blue with Michael BlueRedeeming Money: How God Reveals and Reorients Our Hearts by Paul David TrippMoney, Possessions, and Eternity: A Comprehensive Guide to What the Bible Says about Financial Stewardship, Generosity, Materialism, Retirement, Financial Planning, Gambling, Debt, and More by Randy AlcornWisdom 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) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Ever look at a bookkeeping quote and think, “Why does this cost so much?”

Money is never just about dollars and cents. It's a window into our hearts, a test of our faith, and even a testimony to the world.Few people have taught that truth more faithfully than Ron Blue. Today, he'll share lessons from his own journey—from Wall Street to biblical stewardship—and explain how our approach to finances transforms us and our relationships with others.Ron Blue is a financial teacher, author, and co-founder of Kingdom Advisors. He has helped countless Christians apply biblical wisdom to their finances and is best known for his bestselling book, Master Your Money: A Step-by-Step Plan for Financial Contentment.From Wall Street to Biblical WisdomRon began his career on Wall Street, later founding his own accounting firm and advising countless entrepreneurs and professionals. But everything changed when he became a Christian and encountered the teachings of Larry Burkett and Howard Dayton. He came to realize that everything that worked in the financial world had its roots in biblical wisdom.For more than forty years, he's witnessed God's redemptive work through money—seeing firsthand how financial decisions reveal the heart and become a powerful entry point for spiritual growth.As the late Billy Graham once said, “When you get your attitude about money right, the rest of life tends to fall into place.”Money Reveals the HeartRon often quotes Larry Burkett's insight that how we handle money is one of the clearest indicators of our spiritual life.Every purchase, every act of giving, every financial habit reflects what—and whom—we trust most.The first and most foundational lesson Ron has seen believers embrace is this: God owns everything.Once that truth takes root, everything changes. We move from ownership to stewardship, from anxiety to contentment, from control to trust. Those who live as stewards tend to develop an eternal perspective—knowing where their true security lies.When couples discuss money openly within that framework, communication strengthens and unity deepens. Money becomes not a barrier but a bridge to a deeper connection.Learning How Much Is “Enough”One of Ron's signature teachings centers on answering the question: How much is enough?Defining financial “finish lines” for lifestyle and accumulation frees believers from endless striving. It helps them determine when to give more, save less, and live joyfully within God's provision. From a worldly view, enough is never enough—but from God's view, it is both possible and freeing.When we truly believe that God owns everything, our financial goals shift. We seek margin—the space to give, serve, and respond to God's call.Money itself isn't the goal—it's a tool to accomplish God's purposes. Whether it's how we educate our children, give to ministry, or plan for the future, the question becomes: How can these resources advance God's Kingdom?When people look at us, they shouldn't see someone better, but someone different—different priorities, values, and goals.When Couples Don't See Eye to EyeNot every couple starts on the same page financially. Ron has seen how honoring the marriage covenant sometimes means yielding financial preferences for the sake of peace and witness. In one case, advising a believing wife to honor her unbelieving husband's wishes about tithing led to that husband's eventual openness to Christ.Even in his own marriage, Ron and his wife, Judy, have relied on third-party counsel to strengthen their communication—reminding couples that it's not their money, but God's money.Money as a Test and a TestimonyFor Ron, money serves three purposes: it's a tool, a test, and a testimony. God often uses money to build our faith because it serves as a test of our trust. But it's also a testimony. Contentment, generosity, and peace in financial life point the world to the sufficiency of Christ. In a culture driven by comparison and consumption, a believer who lives joyfully and contentedly becomes a living witness of God's faithfulness.If we can demonstrate contentment, confidence, peace, and joy, the world will notice—and wonder why. Money even becomes a testimony to the next generation as children watch their parents live open-handedly and find joy in biblical stewardship.When you view money as God's tool, test, and testimony, it reshapes not just your finances—but your faith, marriage, and legacy.Money is a great servant but a terrible master. When we surrender ownership to God, we discover the true freedom of stewardship—peace, purpose, and joy that outlast every market cycle.On Today's Program, Rob Answers Listener Questions:I'm 59 and planning to retire next year. My wife is already retired, and thankfully, our home and vehicles are paid off. We also have a few rental properties that are nearly paid for. My question is—when should I start taking Social Security? And regarding our pensions and investments, should I consider rolling them out of our company plans into something else?My son is thinking about filing for bankruptcy. He has quite a bit of debt—not just credit cards—and I'm worried about what bankruptcy would do to his credit and how long it would take him to rebuild. He hopes to buy a home in the near future. What are his options to avoid bankruptcy, and if he does file, how can he begin to recover his credit?Resources Mentioned:Faithful Steward: FaithFi's New 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) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Want to keep running strong for decades — without dealing with the same nagging injuries? In this powerful conversation, I sat down with Coach Sara Manderscheid on the Elevate Your Running Podcast to talk all about how to make running a lifelong pursuit. We dive deep into: - How to adapt your training as you age so you can stay strong and confident in every season of life - Why strength and plyometric work are non-negotiable for injury prevention - How to tell the difference between “normal” soreness and red flags that mean you need to pause - The key mindset shifts that turn setbacks into long-term success Whether you're coming back from injury, feeling frustrated by recurring pain, or simply want to make sure you're still running well into your 40s, 50s, and beyond — this episode will help you build a body that's durable, strong, and built for the long run.

Feeling fragmented? This episode guides you through small, practical steps to restore internal wholeness. Learn how to identify misalignments, start keeping promises to yourself, and rebuild self-trust — one intentional choice at a time.You Got This, Ryan

Great leaders don't just give orders, they ask powerful questions! The right question can motivate your team, uncover hidden opportunities, and help you grow your sales and profits faster than ever. Today, we'll talk about how asking, instead of telling, can transform your leadership style. From empowering your team to think for themselves to spotting missed chances for improvement, questions are one of the most powerful tools in your leadership toolbelt. You don't have to be bossy to get results - You just have to start asking better questions.     -----------------------------   CONTACT ME:

There's nothing quite like that moment when you stand outside your classroom after being out. Will you walk into calm or chaos? In this episode, we're sharing six simple strategies to get your classroom back on track after a sub day, whether you've been gone for a few hours or a few weeks. You'll learn a step-by-step approach for resetting routines, reconnecting with students, and addressing behavior concerns in a way that restores calm and strengthens your classroom community. Walk away ready to confidently transition from substitute chaos to smooth sailing...no matter what you find when you open that door!Prefer to read? Grab the episode transcript and resources in the show notes here: https://www.secondstorywindow.net/podcast/resetting-after-a-substitute-teacher/Resources:Joshua Radin: One Day HomeJoin the Teacher Approved Club!Connect with us on Instagram @2ndstorywindow.Shop our teacher-approved resources.Join our Facebook group, Teacher ApprovedLeave a review on Apple Podcasts.Leave a comment or rating on Spotify.Related Episodes to Enjoy:Episode 165, Keeping Students Engaged All Year Long, No Matter the SeasonEpisode 219, How to Build a Classroom Community That Lasts All YearEpisode 223, The Core 4 Routines Every Classroom Needs to Run Like ClockworkEpisode 226, The October Reset Every Teacher Needs

E423- INNER VOICE : A HEARTFELT CHAT WITH DR. FOOJAN AND DR. DONALD MEICHENBAUM ON

New parents often wonder where to start when it comes to investing for their child's future. In this episode, we walk through a 5-step plan to invest for your newborn -- from protecting your family and setting up a 529 plan to teaching your kids how to build wealth on their own. We also feature Naseema McElroy, founder of Financially Intentional, who paid off $1 million of debt and built a $1 million net worth by age 44. She shares how she's teaching her kids about ownership, investing early, and building generational wealth. Finally, we wrap up with a fun money quiz with Calvin, testing his knowledge about investing, scholarships, and how to grow wealth over time. RESOURCES⁠Sponsors, Deals, and Partners that Support the Show Sponsors, Deals & Partners – See all current offers in one place. MKM RESOURCES Own Your Time – Pre-order my first book today! MKM Coaching – Get 1-on-1 support with your family finance journey. Coast FIRE Calculator – Find out when you can slow down or stop investing for retirement. Mortgage Payoff Calculator – See how fast you can become mortgage free. YouTube – Subscribe for free to watch videos of episodes and interviews. RECOMMENDED RESOURCES (SPONSORS & AFFILIATES) Monarch Money – Best budget app for families & couples. Empower – Free portfolio tracker. Crew – HYSA banking built for families (Get an extra 0.5% APY with my partner link). Ethos – Affordable term life insurance. Trust & Will – Convenient estate planning made easy. Podcast Chapters 00:00 – Generational wealth and the true legacy worth investing in 00:21 – Welcome and episode overview 00:49 – Net Worth Win: Naseema McElroy of Financially Intentional 01:15 – Listener question: how to invest for a newborn 01:40 – Step 1: Secure your own finances first 02:45 – Step 2: Protect your family with life insurance, a will, and credit freezes 04:30 – Step 3: Open a 529 college savings plan 06:30 – Step 4: Consider a UTMA or UGMA custodial account 08:00 – Step 5: Add a custodial Roth IRA once your child has earned income 09:20 – Teaching kids the power of compounding 10:00 – Recap: five steps for investing for newborns 11:10 – Naseema McElroy on paying off $1M of debt 13:20 – Investing for herself and her children 15:20 – Building wealth through retirement accounts and home equity 18:00 – Teaching her kids to invest and own stocks 23:00 – Employing kids in your business for Roth IRA contributions 24:00 – Why starting early matters for generational wealth 25:20 – Naseema's advice: start now, don't wait 26:57 – Money Quiz with Calvin Hill HOW WE MAKE MONEY + DISCLAIMER This show may contain affiliate links or links from our advertisers where we earn a commission, direct payment or products. Opinions are the creators alone. Information shared on this podcast is for entertainment purposes only and should not be considered as professional advice. Marriage Kids and Money (www.marriagekidsandmoney.com) is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to amazon.com. CREDITS Podcast Artwork: Liz Theresa Editor: Johnny Sohl Podcast Support: Andy Hill Learn more about your ad choices. Visit megaphone.fm/adchoices

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Get MiloTree for free to sell digital products and grow your audience. Sign up here. Struggling to launch your first digital product? If you've got a blog or online audience, selling printables is the simplest way to start earning—without mastering complex tech or spending weeks creating a course. In my latest Blogger Genius Podcast episode with Sherry Smotherton-Short, founder of Printables & More Club, we break down how to get your first printable live in minutes, what sells, and how to turn freebies into tripwire sales. Show Notes: MiloTree Free Plan Printables & More Club Digital Product Empire AI Prompt (Free Download) 6 Purchasing Triggers Test Join The Blogger Genius Newsletterc Become a Blogger Genius Facebook Group Subscribe to the Blogger Genius Podcast: iTunes YouTube Spotify The Problem You want to monetize your audience, but… You're short on time and design skills “Making a full course” feels overwhelming You're unsure what will actually sell The Simple Solution Start with printables: checklists, planners, activity pages, wall art, party kits—small, useful downloads that solve a specific problem for your audience. Use templates to speed up creation, then launch with a freebie → tripwire funnel to validate and sell quickly. Why Printables Work Right Now Low lift, high leverage: Customize a Canva template (fonts, colors, logo) and publish—often in under an hour. Evergreen sales: Once published, they can sell on autopilot for months or years. Niche = pricing power: Generic planners might be $3–$7, while niche planners (e.g., Cub Scouts, ADHD students, cosplay) can command $27–$30+. What Sells: Printable Ideas You Can Launch This Week Niche Planners Social media manager planner, homeschool unit planner, event vendor planner, cosplay build planner. (Niche = higher price.) Checklists & Trackers “Publish a blog post” checklist, budget tracker, habit tracker, kids' sports gear checklist. Kids' Activities (Seasonal wins!) Holiday scavenger hunts, coloring pages, word searches, puzzle packs. Party Printables Theme decor + games (e.g., unicorns, secret agent kits), ready to print and assemble. Wall Art Quote prints, nursery sets, bold geometric scripture posters for a younger aesthetic. Pro tip: Mine your top 3 blog posts and create a hyper-relevant printable for each. Ask: “What's the reader's very next step after this post?” Build that as a checklist or mini-planner. Your 60-Minute Launch Plan (Step-by-Step) 00:00–10:00 — Pick the idea Choose a printable tied to one of your highest-traffic posts (or a pain point you solve). 10:00–40:00 — Customize a Template Grab a Canva template (e.g., from Printables and More Club) and make quick edits: brand fonts/colors, logo, page titles, swap graphics. Keep it simple. 40:00–60:00 — Publish with MiloTree (Free) Create a freebie (e.g., Easter scavenger hunt) to collect emails. Add a tripwire on the thank-you page (e.g., full Easter activity pack). MiloTree hosts/delivers both, and your AI-generated sales page is done for you—free plan available. Funnel That Converts: Freebie → Tripwire Lead Magnet (Freebie): One valuable page (checklist, scavenger hunt, mini-planner page). Tripwire (Paid): Right after signup, offer the bigger, done-for-them pack (e.g., 20-page activity bundle or full planner) at a limited-time price. This works because the freebie pre-qualifies intent—buyers already want more of the same. Tools & Tactics That Make It Easy Templates in Canva: Perfect for non-designers; update in minutes. MiloTree Free Plan: Spin up AI-generated sales and opt-in pages Deliver freebies automatically Add social pop-ups to grow followers Set up tripwires without extra tools (all on the free plan) Optional Digital Planning: Many customers still print PDFs, but some use GoodNotes on iPad; simple PDFs work great. Pricing Hints Starters: $5–$9 for checklists/trackers Bundles/Activity Packs: $9–$19 Niche Planners: $27–$30+ (specific beats generic)   Quick Start Checklist Pick 1 printable tied to a top post Customize a Canva template (fonts, colors, logo) Upload to MiloTree (Free) as a paid product Create a matching freebie to grow your list Add a tripwire offer on the thank-you page Promote the opt-in link in your post + sidebar + social bios Iterate weekly (new seasonal or niche variation) Final Takeaway You don't need a huge course to monetize—you need one helpful printable aligned to a real problem your audience has. Use a template, ship a freebie today, add a small paid upgrade, and let MiloTree handle the delivery and sales page for you. Rinse and repeat, especially for seasonal content. Your first $7 sale is the hardest; the rest compound. Other Posts You'll Love

It's been eight years that "Pat Gray Unleashed" has been a thing! 20-step plan to fix Gaza, as proposed by President Trump. Vice President Vance explains how the government is still on pace to shut down tonight. President Trump posts a meme that upsets House Minority Leader Hakeem Jeffries (D-N.Y.). How former FBI Director James Comey lied to and obstructed Congress. Rep. Eric Swalwell (D-Calif.) threatens anyone who made a deal with the Trump administration. Jimmy Kimmel's ratings plummet after his recent return to the air. More information about the shooter of the LDS church in Michigan. Is the photo online of the Michigan shooter photoshopped? Does it matter? Guns being outlawed in Canada. Larry Ellison and Oracle are big fans of having your data. Digital ID storming ahead in Britain. Years ago, Robert Kennedy warned about the government's use of a national ID system. Secretary of War Pete Hegseth speaking to all of the military generals. Is the U.S. preparing for war with Venezuela? Bill Maher discusses the genocide of Christians in Nigeria. New York City mayoral front-runner Zohran Mamdani refuses to condemn terrorists and refuses to apologize to New York City police. Rep. Ilhan Omar (D-Minn.) tries to redefine Charlie Kirk's legacy. Don Lemon has a message for "white men." Released: Charlie Kirk's letter to Benjamin Netanyahu. Barack Obama's presidential library eyesore. 00:00 Pat Gray UNLEASHED! 00:14 Happy (Belated) 8th Anniversary of Pat Gray UNLEASHED!!! 02:10 20-Step Plan for Eternal Peace in the Middle East? 13:51 Government Shutdown is Imminent?! 17:25 Trump Trolls Hakeem Jeffries & Chuck Schumer 18:35 Hakeem Jeffries is Upset by the Meme 20:26 Chuck Grassley & Ted Cruz VS. James Comey 32:35 New Update on Michigan Church Shooter 44:11 Gun Ownership will End in Canada 49:54 Larry Ellison, Friend or Foe? 55:00 Tony Blair: King of Gaza? 55:53 Digital ID for the UK 59:00 FLASHBACK: RFK Jr. Warns against Digital ID Back in 2022 1:05:28 Generals Meeting with Pete Hegseth 1:06:31 America Invading Venezuela??? 1:10:22 Bill Maher on the Genocide in Nigeria 1:12:06 Michigan Church Shooter HATED Mormons 1:16:32 Zohran Mamdani Refuses to Condemn Hamas 1:20:20 Zohran Mamdani Refuses to Apologize to the NYPD 1:24:52 Dearborn Police Chief on Number of Arab American Officers 1:26:36 Ilhan Omar Refuses to Apologize for her Charlie Kirk Comments 1:28:44 Don Lemon's Message to White Men 1:30:27 5000 Freedom Shirts in Honor of Charlie Kirk Learn more about your ad choices. Visit megaphone.fm/adchoices

Most small business owners are running their business on gut instinct instead of using the best tool in their toolbelt - the Profit & Loss report. Your P&L isn't just a piece of paper; it's the roadmap to growing your sales and profits. It shows you where your money is really going, reveals trends that help you predict the future, and gives you the insight to make smarter decisions. Ignoring it is like trying to hammer a nail with a wrench or bake a cake without using the oven. You're making things harder than they need to be. Today, we'll break down why your P&L is the ultimate tool to grow your business and how to start using it today. -----------------------------   CONTACT ME:

Five steps to punching through your paper walls. Support Your Move with a tax-deductible gift: http://yourmove.is/give/ Get conversation starters based on this episode: https://bit.ly/3uUcluH Sign up for exclusive email content every month: https://bit.ly/32SQKoE Find more episodes and other free resources on our website: yourmove.is Check us out on Instagram https://bit.ly/3DZ2q96 See omnystudio.com/listener for privacy information.

Welcome back to America's #1 Daily Podcast,  featuring America's #1 Real Estate Coaches and Top EXP Realty Sponsors in the World, Tim and Julie Harris. Ready to become an EXP Realty Agent and join Tim and Julie Harris?  Visit: https://whylibertas.com/harris or text Tim directly at 512-758-0206. ******************* 2025's Real Estate Rollercoaster: Dodge the Career-Killers with THIS Mastermind!