Podcasts about step plan

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  

In today's episode, David McKnight breaks down the creditor protection rules for Roth IRAs and Roth 401(k)s, as well as why more and more Americans are turning to tax-free accounts to insulate themselves from creditors… and the Government itself. In theory, under Federal Law, all IRAs traditional or Roths receive a certain level of bankruptcy protection under the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005. However, that protection is specifically tied to bankruptcy proceedings. If you're sued in civil court, the Federal bankruptcy statute doesn't automatically apply, state law takes over… By pointing out differences between states like Texas, Arizona and Florida on one end, and California and Montana on the other, David explains that whether your Roth IRA survives a potential lawsuit intact depends largely on the state in which you reside. Roth 401(k)s play by a different set of rules, as they fall under the 1974 Employee Retirement Income Security Act (ERISA). David notes that "ERISA is the big Federal law that governs most employer-sponsored retirement plans, and it comes with some of the strongest creditor  protection available anywhere in the financial world."  According to David, it's not hard to see why the Federal Government is going to need huge infusions of new revenue in the very near future. Wondering how they will be raising that capital? By targeting the nearly $45 trillion in tax-deferred retirement accounts like IRAs and 401(k). In other words, while your retirement accounts may indeed be largely immune to lawsuits, they're entirely exposed to the impact of rising tax rates. David points out that contributing to 401(k)s or IRAs 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. Remember: a well-planned Roth strategy doesn't just shield you from tomorrow's higher tax rates, it can also serve as a fortress protecting your wealth from outside claims.     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 Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 Employee Retirement Income Security Act of 1974 (ERISA)

  Your 11 step plan to NOT BINGE EATING on Christmas Day. I hope that you find it helpful.   To find out more about my work:- Harriet's Substack: https://substack.com/@theeatingdisordertherapist My new APP!  Go to my Website Online courses Online 10 Steps to Intuitive Eating - a course to help you heal your relationship with food. Online Breaking Free from Bulimia - a course to help you break free from bulimia nervosa. Eating Disorders Training for Professionals - training for therapists in working with clients with eating disorders. Body Image Training for Professionals - training for therapists in working with clients with body image issues.  

Is Your Marketing Career Safe from AI? Ryan Law's 6-Point Defense PlanSam Altman predicts that 95% of what marketers do will eventually be handled by AI, and Microsoft claims that copywriters are at the top of the replacement list. So, is your marketing career in trouble?To answer this, we sat down with Ryan Law, our Director of Content Marketing. Ryan's been experimenting with AI since the GPT-3 closed beta in 2020 and has developed a concrete plan for not just surviving—but thriving—in the age of AI.In this episode, Ryan breaks down his 6-point defense plan to future-proof your career. We argue about the death of skyscraper content, why taste is more valuable than technical skill, and why marketers need to be more like rockstars.What you'll learn in this episode:(00:00) Intro(00:48) Ryan Law's AI “Origin Story”(04:56) Will AI take your marketing job?(15:10) The Right Way to Use AI in Your Workflow(22:24) Why “Taste” is Your Most Valuable Skill Now(32:00) The Death of Skyscraper Content(41:51) Using AI to Learn New Skills (Like Python)(49:25) Be a Rockstar, Not a Session MusicianWe hope you enjoyed this episode of Ahrefs Podcast! Be sure to like, subscribe, and tell a friend.Where to find Ryan:LinkedIn: https://www.linkedin.com/in/thinkingslow/X: @thinking_slowWhere to find Tim:LinkedIn: https://www.linkedin.com/in/timsoulo/X: @timsouloWebsite: https://www.timsoulo.com/Referenced:OpenAI: https://openai.com/Microsoft: https://www.microsoft.com/Seer Interactive: https://www.seerinteractive.com/

Follow and subscribe to https://www.youtube.com/@PeoplesCoreVisit UATE.net for the plan and send an email to unitedsovereignty@proton.me if you want to join the People's Core and join the leadership for the plan.This is our first episode which deviates from the usual geopolitical analysis and instead is dedicated to answering the question: what's the plan? If voting, protesting, petitioning and "working within the system" wont save us from full economic enslavement, then what will? Contrary to partisan gaslighting that "we're just not voting hard enough!" there's no voting our way out of this and there's nobody coming to save us.But there is a way to organize our way out of this and we're joined by the Black Panther Party to discuss their detailed plan that anybody can engage with to create the infrastructure necessary for full withdrawal from oppressive capitalism but it requires the natural leaders who walk among us.thebpp.us#crockett #economy #politics #communitybuilding #middleeast #venezuela

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:

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:

Hey friends!

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?

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

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/

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

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.

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

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

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.