Podcasts about taking money

Find us at www.crisisinvesting.com  Doug and Matt discuss escalating Yemen-Houthi conflict impacts, including disruption of Saudi oil infrastructure and potential wider geopolitical fallout as oil supplies to Europe tighten and fuel prices rise. They pivot to U.S. policy and market fragility, criticizing short-term political decision-making (including possible diesel export bans), warning about deficits, rising rates, and a looming financial crisis, while outlining a defensive investment stance favoring gold, agriculture, and energy. They debate AI fear narratives as regulatory capture, question returns on massive AI capital spending, and consider state intervention if major firms fail, noting cheaper Chinese models undercut U.S. frontier labs. Viewer Q&A covers taking state money as a moral dilemma, risk management without stop-losses in illiquid resource stocks, prospects for conflict in Latin America vs. Africa/Middle East, evaluating moral character, Botswana's diamond dependence, legal system critiques, offshore vs. onshore precious-metals storage, private deal drawbacks, and future drone warfare shifting to swarms and eventually nanotechnology. 00:00 News and Viewer Qs 00:08 Houthis and Saudi Setback 06:03 Oil Shock and Markets 08:22 Diesel Export Ban Fallout 10:02 Trade Threats and Politics 13:25 Rates Debt and Bear Case 15:15 AI Fear and Regulation 18:35 China Models and Bubble Risk 21:29 Taking Money from State 24:52 Managing Trades Without Stops 27:25 Wars Latin America Outlook 28:14 Testing Character in Relationships 34:19 Botswana and Diamond Risk 35:59 Legal System as Slavery 37:02 Battle Bank vs Offshore Vaults 38:19 Private Deals Pros and Cons 40:04 Drones Swarms and Nanobots 44:11 Wrap Up and Italy Trip

If you run a company, the money in it might feel like yours, but the ATO doesn't always see it that way. Just ask the plumber who took a million out of his business, missed one piece of paperwork, and lost $470,000 to tax. Today we walk through what he did, the rule that caught him out, and what every business owner needs to know before touching company money. On this episode, we discuss: (00:00) Intro (00:20) A plumber, a million dollars, and one costly mistake (01:33) Inside the Battaglia tribunal case (02:31) $1M taken, $470K lost to tax (04:11) Bucket company owners, this affects you (05:21) Why the ATO's penalty stings more than the tax (07:00) What the ATO now checks on your tax return (08:32) Accountant or business owner, who carries the blame? (10:44) Doing it properly: the right way to use company money (12:14) Big bucket company changes coming July 2028 (13:29) Real reasons business owners take these loans (15:43) Lodgement date, the deadline that trips people up (18:35) Restructure gone wrong, another $470K down (21:39) Three tests to stay on the ATO's good side Check out the free resources from Inovayt here. Send us an email: hello@thenumbersgamepodcast.com.au The Numbers Game is brought to you by Future Advisory & Inovayt. Hosts:Nick ReillyJason Robinson This podcast is produced by VIDPOD. Check out our new website thenumbersgamepodcast.com.au. Browse the full show catalogue, jump straight to specific moments on the topics you love, or leave us a voice note. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

There is no free lunch! The socialists offering of free stuff can be overcome with reality and the right messaging: https://www.theepochtimes.com/article/democrats-split-on-partys-future-as-democratic-socialists-make-key-primary-wins-6075179?ea_src=frontpage&ea_med=section-1Rich people are leaving OR and took 476M in income with them in one year! https://oregonbusinessreport.com/2026/08/reports-show-effects-of-weak-economy-population-shift/ DSA made gains in primary elections last night: https://www.breitbart.com/politics/2026/08/18/election-night-livewire-byron-donalds-eyes-governors-mansion-as-scandals-plague-races-across-country/ OR Rep Court Boice calls for scandal plagued Curry Co sheriff to resign or he will support a recall effort: https://www.oregonlive.com/crime/2026/08/oregon-lawmaker-tells-curry-county-sheriff-to-resign.html 

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Is it possible to reform the disability benefits system without taking money away from disabled people?Joining Iain Dale are Labour MP Luke Charters, former UKIP deputy chairman Suzanne Evans, former Conservative MP Daniel Kawczynski, plus the podcaster Jemma Forte.

Cracks are appearing in people's retirement nest eggs, with more people taking money out of Kiwisaver on hardship groups. A new Consumer NZ survey, shows 16% of Kiwisaver members either made a hardship withdrawal, or suspended payments in the past year. According to Consumer's figures withdrawals have gone up three percent over the past two years. Consumer NZ CEO, John Duffy spoke to Lisa Owen.

Dan Ives is a Managing Director and Senior Equity Research Analyst at Wedbush Securities and one of Wall Street's most prominent tech analysts. In this conversation, we break down the SpaceX IPO, the AI trade across chips, software, and infrastructure, the US vs. China tech race, and what bitcoin's performance means as capital rotates into tech.====================Need liquidity without selling your crypto? Take out a Figure Crypto-Backed Loan, allowing you to borrow against your BTC, ETH, or SOL with 12-month terms, 8.91% interest rates, and no prepayment penalties. Or check out Democratized Prime (https://figuremarkets.co/pomp) and earn ~9% APY on real world assets, paid hourly. Unlock your crypto's potential today at Figure! https://figuremarkets.co/pomp Figure Lending LLC dba Figure (NMLS 1717824). Loans subject to approval. Crypto collateral may be liquidated. Terms apply - see full disclosures at figure.com/disclosures/====================Simple Mining makes Bitcoin mining simple and accessible for everyone. We offer a premium white glove hosting service, helping you maximize the profitability of Bitcoin mining. For more information on Simple Mining or to get started mining Bitcoin, visit https://www.simplemining.io/pomp====================Uphold is the easiest way to buy and sell crypto unlike any other platform allowing you to trade in just one step between any supported asset. Check them out at https://www.uphold.com/pomp/ This video includes a paid sponsorship with Uphold. I'm compensated by Uphold for promoting its products and services and may receive commissions from referrals. Terms apply. Not available in all jurisdictions. Digital assets are risky and may result in the total loss of your capital.====================Arch Public is an agentic trading platform that automates the buying and selling of your preferred crypto strategies. Sign up today at https://www.archpublic.com and start your automated trading strategy for free. No catch. No hidden fees. Just smarter trading.====================0:00 - Intro1:00 - SpaceX IPO & the birth of a new sector3:23 - SpaceX + Tesla merger thesis5:51 - The AI backlash & Big Tech's PR problem11:53 - US vs. China: who's actually winning in AI?15:03 - Robotics, self-driving cars & physical AI19:55 - How to invest in AI: chips, software & infrastructure28:34 - New Fed chair, rates & macro risks32:45 - Bitcoin vs. AI: capital rotation37:55 - On-the-ground intel from Asia & Taiwan40:06 - Any concerns with AI?44:18 - Apple's AI strategy & Tim Cook stepping down46:52 - The Ives AI ETF & portfolio construction

  When a big win lands in your lap — a stock that ran further than you expected, a property sale, a business exit, an inheritance — the planning problem changes. The challenge is no longer how to build wealth. It becomes how to protect what you just earned without abandoning the upside that got you here. This episode walks through a real case study of someone who came into roughly $5 million well before retirement age. The decision was to move $2 million into whole life insurance and keep $3 million invested in the market. We explain why that split made sense, how the policies were designed, and what the strategy has produced so far. A key part of this conversation is policy design. When you already have all the money you intend to fund a policy with, the obvious move — putting it all in at once — is usually the wrong one. We walk through why that creates a modified endowment contract problem, how staging premiums over several years solves it, and why the right number of years depends on the product, your age, and a handful of other variables. You'll also hear why the benchmark for whole life in this situation is not the stock market. It's the conservative side of your portfolio. Expect bond-style returns with contractual guarantees, the ability to lean on policy values during bad markets, and meaningful estate leverage that most clients come to appreciate more over time. __________________________________ If you've had a significant gain and you're trying to figure out how much of it should stay exposed to risk, we can help you think it through. Schedule a call or send us a message and we'll walk through your situation together.          

A 401(k) can be one of your most powerful retirement tools, but timing those withdrawals matters more than most people realize. As Peter with Richon Planning explains to Erin Kennedy if you take money out too early, you could face penalties. But on the other hand, if you wait too long, required minimum distributions could push you into a higher tax bracket. So how do you strike the right balance? In this interview, we break down: ✔️ Why tax-deferred savings matter ✔️ The rules around early withdrawals (and what they cost you) ✔️ How withdrawals are taxed after 59½ ✔️ What you need to know about RMDs ✔️ Strategies to create income without creating a tax headache The goal isn't just to save, it's to shoot for higher returns by being "tax smart." If you'd like to determine your withdrawal strategy and how it affects when you claim Social Security and what you'll pay for Medicare, please give Peter a call at (919) 300-5886 or visit www.401kDistributions.com

Taking money out of your accounts sounds simple… but it's usually not as simple as it seems. In this episode, Nic walks through why withdrawals are more than just getting cash. They're actually one of the biggest tax decisions you'll make, especially in retirement. From understanding the difference between pre-tax, Roth, and brokerage accounts to seeing how each one impacts your taxes over time, this conversation focuses on how small decisions today can create bigger consequences down the road. He also shares real examples, including helping a child with a down payment and a situation where a "0% interest" car purchase ended up costing a couple thousands in additional Medicare premiums—all because of how the money was taken out. The goal here isn't to avoid taxes completely. It's to think more intentionally about when you deal with them, and how those decisions fit into your overall plan. Because it's not just about getting money out—it's about getting it out the right way.   Listen, Watch, Subscribe, Ask! https://www.therealmoneypros.com Host: Nic Daniels ————————————————————— Ataraxis PEO https://ataraxispeo.com Tree City Advisors of Apollon: https://www.treecityadvisors.com Apollon Wealth Management: https://apollonwealthmanagement.com/ —————————————————————

This week Gavin has won money from a charity and been to the theatre. Dan has worked out what he describes as screensaver songs he has in his head and brings us a marathon time quiz. Gavin brings us a story from history and Dan has thought what he'd change his name to.   This weeks recommendations : Friday Night @ The Liquor Store : Avantdale Bowling Club Tryn 2 : Okko Nausea : Jeff Rosenstock Candy Apple : Teenage Joans   Talk to us here : www.betherewithbelson.com Email : betherewithbelson@gmail.com Instagram @betherewithbelson X : @therewithbelson TikTok : @betherewithbelson

After the first round of US-Iranian peace talks in Pakistan collapsed last weekend, Vermont Democratic Senator Peter Welch joins Mehdi to discuss Trump's illegal war in Iran, the Democratic Party's shift away from Israel, and the Justice for Hind Rajab Act.    SUBSCRIBE TO ZETEO TO SUPPORT INDEPENDENT AND UNFILTERED JOURNALISM: https://zeteo.com/subscribe   WATCH 'MEHDI UNFILTERED' ON SUBSTACK: https://zeteo.com/s/mehdi-unfiltered   FIND ZETEO: Twitter: https://twitter.com/zeteo_news Instagram: https://www.instagram.com/zeteonews TikTok: https://www.tiktok.com/@zeteonews   FIND MEHDI: Substack: https://substack.com/@mehdirhasan Twitter: https://twitter.com/@mehdirhasan Instagram: https://www.instagram.com/@mehdirhasan TikTok: https://www.tiktok.com/@mehdirhasan   To advertise on the show, contact sales@advertisecast.com or visit https://advertising.libsyn.com/Zeteo

Can you take money out of a retirement account early without paying penalties? Many people assume retirement accounts are locked until age 59½, which leads them to avoid maxing out contributions—especially if they're planning early retirement.In this episode, we explain when early withdrawals from retirement accounts don't trigger the 10% penalty, including common IRS exceptions and strategies like Substantially Equal Periodic Payments (72(t)). You'll learn the key differences between IRAs and 401(k)s, which withdrawals are penalty-free, and how retirement accounts can still play a central role in an early retirement strategy when you understand the rules.https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-topics-exceptions-to-tax-on-early-distributionshttps://www.irs.gov/retirement-plans/substantially-equal-periodic-paymentsImportant Disclaimer:This episode is for educational purposes only and does not constitute tax, legal, or investment advice. Rules around retirement distributions are complex and subject to change. Always consult a qualified tax or financial professional before implementing any withdrawal strategy.Please subscribe and leave a review on your favorite Podcasting platform. Get 12 Financial Mistakes that Keep Physicians from Building Wealth at https://www.growyourwealthymindset.com/12financialmistakesIf you want to start your path to financial freedom, start with the Financial Freedom Workbook. Download your free copy today at https://www.GrowYourWealthyMindset.com/fiworkbookDr. Elisa Chiang is  a physician and money coach who helps other doctors reach their financial goals by mastering their money mindset through personalized 1:1 coaching .You can learn more about Elisa at her website or follow her on social media.Website: https://ww.GrowYourWealthyMindset.comInstagram https://www.instagram.com/GrowYourWealthyMindsetFacebook https://www.facebook.com/ElisaChianghttps://www.facebook.com/GrowYourWealthyMindsetYouTube: https://www.youtube.com/c/WealthyMindsetMDLinked In: www.linkedin.com/in/ElisaChiang Disclaimer: The content provided in the Grow Your Wealthy Mindset Podcast...

The worst of the storms might be behind us, but there’s plenty of damage that needs to be repaired. Rantz Exclusive: Trump admin. warns Washington may be taking money from foster kids, Gov. Bob Ferguson silent. // Trump gave an address to the nation last night to tout the accomplishments of his first year in office. // Football star Puka Nacua performed an antisemitic dance with a streamer.

A woman in Liaoning Province, China began practicing Falun Dafa in 2004, and endured many years of resistance from her husband and in-laws, who feared persecution from the Chinese Communist Party. Through her persistent devotion to practicing Dafa, her husband eventually came to understand the power and goodness of Dafa. This and other experience-sharing from the Minghui website.Original Articles:1. [Fahui] Letting Go of Attachments and Taking Money Lightly2. [Fahui] Cultivating and Saving People Through Work and Promoting Professional Skills3. The Story of Xiaolin and Me To provide feedback on this podcast, please email us at feedback@minghuiradio.org

A new independent report shows that the US Bishops are part of a larger NGO program that profits off of bringing dangerous individuals into the United States.Sponsored by Charity Mobilehttps://www.charitymobile.com/rtt.phpSources:https://www.returntotradition.orgorhttps://substack.com/@returntotradition1Contact Me:Email: return2catholictradition@gmail.comSupport My Work:Patreonhttps://www.patreon.com/AnthonyStineSubscribeStarhttps://www.subscribestar.net/return-to-traditionBuy Me A Coffeehttps://www.buymeacoffee.com/AnthonyStinePhysical Mail:Anthony StinePO Box 3048Shawnee, OK74802Follow me on the following social media:https://www.facebook.com/ReturnToCatholicTradition/https://twitter.com/pontificatormax+JMJ+#popeleoXIV #catholicism #catholicchurch #catholicprophecy#infiltration

A new independent report shows that the US Bishops are part of a larger NGO program that profits off of bringing dangerous individuals into the United States.Sponsored by Charity Mobilehttps://www.charitymobile.com/rtt.phpSources:https://www.returntotradition.orgorhttps://substack.com/@returntotradition1Contact Me:Email: return2catholictradition@gmail.comSupport My Work:Patreonhttps://www.patreon.com/AnthonyStineSubscribeStarhttps://www.subscribestar.net/return-to-traditionBuy Me A Coffeehttps://www.buymeacoffee.com/AnthonyStinePhysical Mail:Anthony StinePO Box 3048Shawnee, OK74802Follow me on the following social media:https://www.facebook.com/ReturnToCatholicTradition/https://twitter.com/pontificatormax+JMJ+#popeleoXIV #catholicism #catholicchurch #catholicprophecy#infiltration

The IRD is set to be cracking down harder on those who don't pay their taxes properly, and they've unveiled new measures for people who ignore correspondence. The department will start taking money out of people's bank accounts if they owe over a certain amount - and they've recovered at least $17 million so far. The IRD's Tony Morris says they aim to phone people at least twice before they start directly taking money out of accounts. "Other times, we might just contact people once or twice and then take money out of their accounts so they don't squander it." LISTEN ABOVESee omnystudio.com/listener for privacy information.

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3270: Sam reflects on how easy it is to take money for granted when income feels steady and endless. He explores what to do if cash flow dries up, drawing from investments, rental income, and even taking any job if necessary, while also emphasizing the importance of perspective, gratitude, and an abundance mindset to stay financially and mentally resilient. Read along with the original article(s) here: https://www.financialsamurai.com/taking-money-for-granted/ Quotes to ponder: “It's hard NOT to take money for granted when it's come to you for so long.” “Working harder is a privilege, since at some point, my mental capacity will fade and I will no longer be able to communicate in a coherent manner.” “Don't take money for granted, because it may eventually run out!” Episode references: Yakezie Personal Finance Network: https://yakezie.com Structured Notes Explained: https://www.investopedia.com/terms/s/structurednote.asp Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3270: Sam reflects on how easy it is to take money for granted when income feels steady and endless. He explores what to do if cash flow dries up, drawing from investments, rental income, and even taking any job if necessary, while also emphasizing the importance of perspective, gratitude, and an abundance mindset to stay financially and mentally resilient. Read along with the original article(s) here: https://www.financialsamurai.com/taking-money-for-granted/ Quotes to ponder: “It's hard NOT to take money for granted when it's come to you for so long.” “Working harder is a privilege, since at some point, my mental capacity will fade and I will no longer be able to communicate in a coherent manner.” “Don't take money for granted, because it may eventually run out!” Episode references: Yakezie Personal Finance Network: https://yakezie.com Structured Notes Explained: https://www.investopedia.com/terms/s/structurednote.asp Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3270: Sam reflects on how easy it is to take money for granted when income feels steady and endless. He explores what to do if cash flow dries up, drawing from investments, rental income, and even taking any job if necessary, while also emphasizing the importance of perspective, gratitude, and an abundance mindset to stay financially and mentally resilient. Read along with the original article(s) here: https://www.financialsamurai.com/taking-money-for-granted/ Quotes to ponder: “It's hard NOT to take money for granted when it's come to you for so long.” “Working harder is a privilege, since at some point, my mental capacity will fade and I will no longer be able to communicate in a coherent manner.” “Don't take money for granted, because it may eventually run out!” Episode references: Yakezie Personal Finance Network: https://yakezie.com Structured Notes Explained: https://www.investopedia.com/terms/s/structurednote.asp Learn more about your ad choices. Visit megaphone.fm/adchoices

Hey my wonderful sweet babies, Follow Me:Instagram- fabvictoria94Twitter- VictoriaB_94Snapchat- fabvictoria94TikTok: FabVictoria94Facebook: Victoria BishopFacebook Page- Fabulous Victoria BroadcastsPatreon: Fabulous Victoria PodcastPodcast Name- Fabulous Victoria PodcastYouTube Main Channel: Fabulous VictoriaCashApp: $fabvictoria (optional)Music from Simply Kee Simone, Dessie Style, and Kaysie Amya on YouTube.Email me for business inquiries only:bishopvictoria94@gmail.comTHIS VIDEO IS NOT SPONSORED.

Catch up on all the headlines in NBA, NFL, College Football, MLB, Golf and NHL news with "What is Trending" for June 5, 2025.

Mike Ferguson in the Morning-An old law is being used to take 25% of the insurance claim settlements away from the hands of Tornado victims. -St. Louis County Councilman Dennis Hancock weighs in on the city's response to the storm. See omnystudio.com/listener for privacy information.

Taking Money for Mitzvos (Bamidbar 5785)

Taking Money for Mitzvos (Bamidbar 5785)

Shevet Levi and Taking Money for Learning (Bamidbar 5785)

Is it permitted to not disclose off-the-books income when applying for government benefits?  What if there's a colorable argument that you fit the criteria? Is that enough?  Are there any Heterim to take funds when you don't fit the eligibility requirements?  Is putting yourself in a position that you need to take money from the government allowed? Is it le'chatchila to take government assistance in order to stay in Kollel?  Is it a chilul Hashem if many frum people receive government assistance, when it's not intended for those who can work? Host: Ari Wasserman, author of the newly published, revised and expanded book Making it Work, on workplace challenges and Halachic Q & A on the Job You can order "Halachic Q & A on the Job” at https://mosaicapress.com/product/halachic-q-a-on-the-job/ with Rabbi Dr. Yitzchak Breitowitz – Posek, Rav and Senior Lecturer at Yeshivas Ohr Somayach – 9:23 with Mr. Raphael Grossman – C.P.A. representing individuals, families, corporations and numerous non-profits –  36:05 Conclusions and Takeaways – 1:10:41 מראי מקומות   

Bruce and Gaydos explain House Bill 2704 that gives the Arizona Diamondbacks a potential option to fund improvements to Chase Field.

TOPICS: “Ghosts in the Machine”: Is Spotify pumping up royalty-free tracks to drive money away from indie artists?; legal things that you need to do when making a documentary; our guest this week is show favorite Bill “Downupright” Boulden. We talk to Bill about the Spotify story as well as Bill's new“Tartarus” EP. Find out more by visiting downupright.bsky.socialRate/review/subscribe to the Break the Business Podcast on iTunes, SoundCloud, Stitcher, and Google Play. Follow Ryan @ryankair and the Break the Business Podcast @thebtbpodcast. Like Break the Business on Facebook and tell a friend about the show. Visit www.ryankairalla.com to find out more about Ryan's entertainment, education, and business projects.” Hosted on Acast. See acast.com/privacy for more information.

Today is an encore because I am going on vacation next week. It always feels a little bit like a time warp because by the time this show will air, I will be back from vacation. This show with Paul Holmes was one of the most popular episodes of 2023 and definitely is just as relevant now. A lot of the things that Paul talks about are worth repeating or listening to again. For a full transcript of this episode, click here. Before we kick in, though, I'm gonna repeat something that Ge Bai, PhD, CPA, says a lot: There's no angels and there's no devils in the healthcare industry. But we are talking about for-profit entities. And if there's one thing that's generally true about a for-profit entity, especially one that is publicly traded, it's gonna do whatever it can get away with. It becomes up to the customer to set expectations and using the purchasing discipline that they probably use everywhere else in the business because it basically is good business to have purchasing discipline. Before we kick into the episode, just a couple of things. Thing one, if you haven't, do subscribe to the weekly email that goes out describing the show. Here's just one reason to do so. It's really efficient because what is transcribed in that email is the whole beginning half (usually) of the introduction. So, if later on you are trying to remember which episode you heard something in, you can just search your email and find the show. How you subscribe is go to relentlesshealthvalue.com, hang out for probably 15 seconds, and there will be a pop-up. And while you're on the Web site, here's something else you could do. Go to the lower right-hand corner of the Web site. You will notice a little button. It's an orange button. There's a microphone. Click on that; say something like your name, your company name, maybe a word or two about Relentless Health Value; and then encourage others to subscribe to the weekly email that goes out, similarly to what I just did. Then what our team will do is take that recording and potentially use it at the end of some of the shows so we can hear somebody else talk besides myself. So, please do go over to the Web site, click on that little microphone, and record something that you might want to share with the other members of the Relentless Tribe. And with that, here's your encore. If this were a video show, I would stare into the camera with steely eyeballs right now and say that I have a special message for employer CFOs. If you aren't a CFO, pretend that you are so that you get the full effect here. So, now that we're all CFOs, let's pull up the company P&L (Profit and Loss) statement. This is what keeps us all up at night, right? Making sure that the net profit line at the bottom looks good. We could decide to lay off a few people. Reorg something or other. Beat up a vendor. We also could go over and have a strident conversation with sales leadership about what they can do to jack up their sales revenue. Top line begets bottom line and all that. Or, here's another idea: In this healthcare podcast, I am speaking with Paul Holmes, who is an ERISA (Employee Retirement Income Security Act) attorney with a specialty in PBM (pharmacy benefit manager) contracts, especially the PBM contracts from the big PBMs that get jammed in employer plan sponsor faces by whomever and which they are told look fine and that the employer plan sponsor should just go ahead and sign. Now, if we, meaning all of us CFOs, sign that paper, or someone on our benefits team signs the paper … fun fact, our company just spent 30% to 40% over market for our pharmacy benefits. That contract we just signed contains all kinds of expensive little buried treasures—treasures accruing to the PBM and other parties, to be clear, and coming at our expense. There's 17-ish very common treasures in your typical PBM contract, and none of us will ever spot them unless we know what we are looking for. But let's dig into this for a sec, especially for all of us newly minted CFOs because the real ones already did this math. Say our company spends whatever—we're a bigger company, and we spend $100 million a year on our drugs. That's a minimum of $30 million that we got taken for … $30 million a year. Because of the huge dollars at stake (30% to 40% of drug spend), it's certainly the advice of almost anybody that you talk to who's an expert in PBM contracts to have a third party—not your EBC (employee benefit consultant), which we'll get into in a sec, but somebody else (a third party)—review every PBM contract. I mean, what's the worst that can happen for anybody considering having an independent third party review their PBM contract? It costs a couple grand in lawyer fees, and they give it a stamp of approval. Knowledge is power, and now we know. But let's just say this third-party review doesn't happen. We all go with a “devil may care” about this whole PBM overcharging us by 30% to 40% possibility. And let's say the PBM contract is, in fact, a ride on the Hot Mess Express but we don't know it. Here's two pretty bad downsides, especially now, this year, since the passage of the CAA (the Consolidated Appropriations Act). Number one bad thing: Plan sponsors may get sued as per the CAA for ERISA violations. It's not just the company paying that extra $30 million, or 30% to 40%, right? It's also employees. This is risk exposure, bigly. Just like it was on the 401(k) side of the house, which Paul Holmes, my guest today, mentions later on in the interview. He talks about just how much those lawsuits cost and, yeah, exposure. As I mentioned three times already, today I am speaking with Paul Holmes about PBM contracts in all their stealthy glory. The one thing I came to appreciate is that these things are works of art … if you're into those paintings of pretty flowers where, if you look hard enough, you spot a skull tucked in the greenery (memento mori). Paul is a longtime ERISA attorney. He has dedicated his career to helping plan sponsors in their negotiations with PBMs and trying to help them reduce drug spend, especially drug spend that isn't actually paying for drugs. Here's a link to an article we discuss about how a school district in Florida is suing their longtime EBC for taking $2 million a year in alleged secret payments. We also mention an episode with AJ Loiacono (EP379). And along similar lines, Jeff Hogan mentioned on LinkedIn the other day, “It's pretty amazing that just in the course of the [past few] weeks, I'm reading, seeing, and hearing about big new CAA breach of fiduciary duty cases.” So, Paul Holmes says this more eloquently, but if you're a plan sponsor, definitely get your PBM contract reviewed and maybe consider working with an EBC who's happy to sign the disclosure statement that your lawyer has provided without disclaimers. Also mentioned in this episode are Ge Bai, PhD, CPA; AJ Loiacono; and Jeffrey Hogan.   You can learn more by emailing Paul at pbh@williamsbarbermorel.com.   Paul B. Holmes, JD, is a seasoned ERISA lawyer with nearly 40 years of specialization in that field. Paul joined Williams Barber & Morel Ltd. recently, after 31 years with Nixon Peabody LLP and Ungaretti & Harris LLP. Paul is one of the few ERISA lawyers in the United States, concentrating his practice on PBM contracting and oversight. Paul represents large employers, Taft-Hartley welfare funds, and governmental units in their selection, contracting, auditing, and disputes with large pharmacy benefit managers (PBMs). This work includes active oversight of the request for proposal (RFP) process for selecting a PBM, the negotiation and customization of PBM contracts, and legal audits of PBM compliance with their contracts. Paul provides insightful guidance on the prudent selection of independent pharmacy benefit consulting firms (who do not receive indirect compensation from PBMs), which independence is expressly required under Section 202 of the Consolidated Appropriations Act of 2021 (CAA). Recent efforts have focused on reducing wasteful drug spend promulgated by large PBMs in dozens of categories. These include the preference of Humira® biosimilars, reducing off-label utilization of GLP-1s, reducing huge markups on certain specialty generics, and customizing PBM formularies and clinical protocols to better control spend. He was selected, through a peer-review survey, for inclusion in The Best Lawyers in America® (2020 and 2021) in the field of Employee Benefits (ERISA) Law. Paul received his bachelor's degree from Bradley University and his Juris Doctor degree from the University of Illinois College of Law.   07:41 What are Paul's usual observations when a PBM contract crosses his desk? 08:34 “If you just sign … one of their model contracts …, you're probably gonna pay 30% to 40% above market on your drug spend.” 12:11 What is a PBM lawyer? And why is it important to find an ERISA PBM lawyer? 17:12 EP379 with AJ Loiacono. 17:40 Who is on the hook for the cost of the PBM contracts? 21:05 What's the problem with most ERISA lawyers today? 22:56 Lawsuit about PBM contract. 27:43 What's Paul's advice for benefits consultants? 31:40 How much might a plan sponsor be paying their consultant versus what a consultant might be making from a PBM?   You can learn more by emailing Paul at pbh@williamsbarbermorel.com.   Paul Holmes discusses #PBMContracts on our #healthcarepodcast. #healthcare #podcast #financialhealth #primarycare #patientoutcomes #healthcareinnovation   Recent past interviews: Click a guest's name for their latest RHV episode! Ann Kempski, Marshall Allen (tribute), Andreas Mang, Abby Burns and Stacey Richter, David Muhlestein, Luke Slindee, Dr John Lee, Brian Klepper, Elizabeth Mitchell, David Scheinker (Encore! EP363)  

Many people enter retirement with a fear of overspending, running down their portfolio, and struggling to get by late in retirement. Today, Michael, Jim, and Chad talk about a model being adopted in the financial planning community that considers both the enjoyment of the portfolio and the health of the portfolio in retirement. Michael highlights the life experiences that can be missed when clients focus on taking as little as they can out of their portfolios. Listen along as these advisors share why both overspending and underspending should be a concern when taking an income. Later in the episode, the advisors chat about why the firm encourages clients to be educated even when clients trust them to do whatever seems necessary. For more information about what we do or how we can help you, schedule a 15-minute call with us here: paulwinkler.com/call.

Would you go for your dreams, in a heartbeat, if only you had the money? Would you pursue more meaningful work? Would you clarify your purpose and start taking steps to create the impact you were meant to make in the world? Are you blaming money as the reason you have to stay in the unpleasant job you're in? The fearful thoughts: ‘How would I pay my bills?' or ‘Who would pay me to do something else?' stop most people from even thinking of making a change, let alone taking any steps whatsoever.Today I'm showing you how to get out of the dead-end spiral of waiting for better days to figure out your true purpose in life. When you take money out of the equation, you will experience a breakthrough in your thinking, which leads to powerful new insights – and results.We'll explore:·       Why money is such a deep-seated emotional topic for most of us·       What happens when you mentally remove money from the equation ·       How you can make a safe, gradual, graceful transition out of a job that has passed its sell-by dateEnjoying the show? Please leave a review!Ready to start manifesting the lifestyle of your dreams? Join my self-study program, Gratitude Practice for Success TODAY and get instant access to my unique and proven manifesting process: JOIN GPS

Have any questions, insights, or feedback? Send me a text!Length: 1 hour 39 minutesSynopsis: Tonight (6/6/24), in our Thursday night Pirkei Avos shiur for women, we continued our analysis of the mishnah about deriving worldly benefit from words of Torah. After a VERY brief review of the Rambam, to which Parts 1 and 2 were devoted, we examined the opposition as formulated by two Rishonim. Sforno provided a clean, straightforward argument which demonstrated a completely different framework from the Rambam's. Rashbatz, in a lengthy commentary on or mishnah and an equally lengthy responsum (neither of which we read in its entirety), seemed to address the Rambam head-on. Not only did he provide a counterargument, but he explained the sources cited by the Rambam to support his view and marshaled dozens if statements from Chazal to support his position. We ended by attempting to define this three-way machlokess, and while we didn't succeed in arriving at a clear answer, we definitely felt like we had a nice first step.-----מקורות:אבות ד:הרמב"ם - משנה תורה: ספר המדע, הלכות תלמוד תורה ג:יLenn E. Goodman, "A Guide to the Guide for the Perplexed," pp.58-62ספורנו - אבות ד:הרשב"ץ - אבות ד:התשובות הרשב"ץ א:קמב----- -----The Torah content for this week has been sponsored by Judah and Naomi Dardik in honor of Rabbi Moskowitz's second yahrzeit and in appreciation for all those whose love of Torah and excitement for ideas shines in their teaching.-----If you've gained from what you've learned here, please consider contributing to my Patreon at www.patreon.com/rabbischneeweiss. Alternatively, if you would like to make a direct contribution to the "Rabbi Schneeweiss Torah Content Fund," my Venmo is @Matt-Schneeweiss, and my Zelle and PayPal are mattschneeweiss at gmail. Even a small contribution goes a long way to covering the costs of my podcasts, and will provide me with the financial freedom to produce even more Torah content for you.If you would like to sponsor a day's or a week's worth of content, or if you are interested in enlisting my services as a teacher or tutor, you can reach me at rabbischneeweiss at gmail. Thank you to my listeners for listening, thank you to my readers for reading, and thank you to my supporters for supporting my efforts to make Torah ideas available and accessible to everyone.-----Substack: rabbischneeweiss.substack.com/Patreon: patreon.com/rabbischneeweissYouTube: youtube.com/rabbischneeweissInstagram: instagram.com/rabbischneeweiss/"The Stoic Jew" Podcast: thestoicjew.buzzsprout.com"Machshavah Lab" Podcast: machshavahlab.buzzsprout.com"The Mishlei Podcast": mishlei.buzzsprout.com"Rambam Bekius" Podcast: rambambekius.buzzsprout.com"The Tefilah Podcast": tefilah.buzzsprout.comOld Blog: kolhaseridim.blogspot.com/WhatsApp Content Hub (where I post all my content and announce my public classes): https://chat.whatsapp.com/GEB1EPIAarsELfHWuI2k0HAmazon Wishlist: amazon.com/hz/wishlist/ls/Y72CSP86S24W?ref_

Have any questions, insights, or feedback? Send me a text!Length: 1 hour 33 minutesSynopsis: Tonight (5/30/24), in our Thursday night Pirkei Avos shiur for women, we continued our analysis of the mishnah through the eyes of the Rambam. We began with a VERY in-depth review of everything we covered last time (if you want to skip the review, start around 30 minutes into the shiur). We then read and discussed several additional sources in other works of the Rambam where he discusses this, focusing on his treatment in the Mishneh Torah. We concluded by attempting to analyze the five ways in which the Rambam views this practice as harmful. Next time (בג"ה), we'll take another crack at figuring that out, and then take up the opposing view, led by Sforno and Rashbatz. At least, that's the plan! -----מקורות:אבות ד:הרמב"ם שםביאור לפירוש רמב"ם למשנהרמב"ם - אגרת לר' יוסף בר' יהודהרמב"ם - משנה תורה: ספר המדע, הלכות תלמוד תורה ג:י,יב; ד:ב; ו:יארמב"ם - משנה תורה: ספר המדע, הלכות עבודה זרה וחוקות הגויים יא:יברמב"ם - משנה תורה: ספר אהבה, הלכות תפילין ומזוזה וספר תורה ה:ד-----The Torah content this week has been dedicated by me in honor of Ann with gratitude for her monthly support of my Torah content and in celebration of her engagement to Ben. Mazal tov!In other news, I am considering relaunching my Rambam Bekius podcast. My goal is to cover the entirety of the Rambam's Hilchos Tefilah, halacha by halacha, in short (5-10 minute) daily episodes. If you are interested in sponsoring my Rambam content specifically, please let me know! I'm eager to make this project a reality, and I'm ready when you are!-----If you've gained from what you've learned here, please consider contributing to my Patreon at www.patreon.com/rabbischneeweiss. Alternatively, if you would like to make a direct contribution to the "Rabbi Schneeweiss Torah Content Fund," my Venmo is @Matt-Schneeweiss, and my Zelle and PayPal are mattschneeweiss at gmail. Even a small contribution goes a long way to covering the costs of my podcasts, and will provide me with the financial freedom to produce even more Torah content for you.If you would like to sponsor a day's or a week's worth of content, or if you are interested in enlisting my services as a teacher or tutor, you can reach me at rabbischneeweiss at gmail. Thank you to my listeners for listening, thank you to my readers for reading, and thank you to my supporters for supporting my efforts to make Torah ideas available and accessible to everyone.-----Substack: rabbischneeweiss.substack.com/Patreon: patreon.com/rabbischneeweissYouTube: youtube.com/rabbischneeweissInstagram: instagram.com/rabbischneeweiss/"The Stoic Jew" Podcast: thestoicjew.buzzsprout.com"Machshavah Lab" Podcast: machshavahlab.buzzsprout.com"The Mishlei Podcast": mishlei.buzzsprout.com"Rambam Bekius" Podcast: rambambekius.buzzsprout.com"The Tefilah Podcast": tefilah.buzzsprout.comOld Blog: kolhaseridim.blogspot.com/WhatsApp Content Hub (where I post all my content and announce my public classes): https://chat.whatsapp.com/GEB1EPIAarsELfHWuI2k0HAmazon Wishlist:

Have any questions, insights, or feedback? Send me a text!Length: 1 hour 33 minutesSynopsis: Tonight (5/23/24), in our Thursday night Pirkei Avos shiur for women, we began learning the next mishnah, but our focus was on the Rambam's diatribe - and that really is the most accurate word - against those who take money for Torah. We set out clear objectives and non-objectives. Our main goal for this evening was to read and discuss the Rambam's commentary on this mishnah, trying to understand as much as we could from THIS treatment of the topic. Our goal was NOT to stray into the other sources where the Rambam addresses this, nor to discuss how this translates into practical halacha, nor to discuss the views of those who disagree with the Rambam. Next time (בג"ה) we'll review what we learned tonight, analyze the Rambam's treatment of the topic in the Mishneh Torah and some other sources, then turn out attention to those who disagree. Hopefully, by the end, we'll emerge with a clearer understanding of our mishnah according to both sides.-----מקורות:אבות ד:הרמב"ם שםרמב"ם - משנה תורה: ספר המדע, הלכות תלמוד תורה ג:י-----The Torah content from now through Lag ba'Omer has been generously sponsored by Malky M. June is less than a month away which means that I'll soon be transitioning into "summer writing mode," with more substack articles and fewer recorded shiurim. The bulk of these articles will remain free. However, if you would like to support my Torah AND gain access to additional spicy written content, consider becoming a paid subscriber by going to rabbischneeweiss.substack.com.-----If you've gained from what you've learned here, please consider contributing to my Patreon at www.patreon.com/rabbischneeweiss. Alternatively, if you would like to make a direct contribution to the "Rabbi Schneeweiss Torah Content Fund," my Venmo is @Matt-Schneeweiss, and my Zelle and PayPal are mattschneeweiss at gmail. Even a small contribution goes a long way to covering the costs of my podcasts, and will provide me with the financial freedom to produce even more Torah content for you.If you would like to sponsor a day's or a week's worth of content, or if you are interested in enlisting my services as a teacher or tutor, you can reach me at rabbischneeweiss at gmail. Thank you to my listeners for listening, thank you to my readers for reading, and thank you to my supporters for supporting my efforts to make Torah ideas available and accessible to everyone.-----Substack: rabbischneeweiss.substack.com/Patreon: patreon.com/rabbischneeweissYouTube: youtube.com/rabbischneeweissInstagram: instagram.com/rabbischneeweiss/"The Stoic Jew" Podcast: thestoicjew.buzzsprout.com"Machshavah Lab" Podcast: machshavahlab.buzzsprout.com"The Mishlei Podcast": mishlei.buzzsprout.com"Rambam Bekius" Podcast: rambambekius.buzzsprout.com"The Tefilah Podcast": tefilah.buzzsprout.comOld Blog: kolhaseridim.blogspot.com/WhatsApp Content Hub (where I post all my content and announce my public classes): https://chat.whatsapp.com/GEB1EPIAarsELfHWuI2k0HAmazon Wishlist:

i am SO excited to share this interview with Marlie Derstine, Life and Business Coach! In this episode, we are uncovering topics that NEED to be talked about more in working online.  Tune in for...

Handymen typically accept various forms of payment for their services to accommodate the preferences and convenience of their clients. Here are some common forms of accepting payment: 1.           Cash: Cash payments are straightforward and immediate. Many handymen prefer cash payments as they are easy to handle and don't involve transaction fees. 2.           Checks: Some clients prefer to pay by personal or business checks. Handymen may accept checks but usually wait for them to clear before considering the job complete. 3.           Credit/Debit Cards: Accepting credit or debit card payments allows handymen to offer convenient payment options to their clients. This can be done through mobile card readers or online payment processing services. 4.           Online Payment Platforms: Handymen can utilize online payment platforms such as PayPal, Venmo, Square Cash, or other similar services to receive payments electronically. 5.           Bank Transfers: Clients may opt to make direct bank transfers to the handyman's account. This method can be convenient for both parties, especially for larger transactions. 6.           Payment Apps: Mobile payment apps like Zelle, Google Pay, or Apple Pay provide another convenient option for transferring funds securely. 7.           Invoice and Payment Terms: Some handymen may work with clients on invoicing and payment terms, allowing for installment payments or setting up payment plans for larger projects. 8.           Bartering: In some cases, handymen might accept goods or services in exchange for their work. This could involve trading services with other professionals or accepting goods as payment. It's essential for handymen to communicate clearly with their clients about their preferred payment methods and any associated fees or terms. Additionally, using written contracts or agreements can help ensure clarity regarding payment expectations for both parties. Watch us on YouTube (click here) Subscribe to our free newsletter, https://handymanprosradioshow.com/newsletter-signup/ Join our Facebook group @handyman pros Send us an email, questions@handymanprosradioshow.com. --- Send in a voice message: https://podcasters.spotify.com/pod/show/handymanpros/message

#VinceLanci: Is #Bitcoin Taking Money Away From #Gold & #Silver With Bitcoin rallying again, gold and silver investors are often left wondering if Bitcoin has been taking investment capital away from the precious metals. So in today's show Vince digs in to that topic, and takes a look at a recent report by JP Morgan that compares the dynamics of the gold and Bitcoin markets, and how much of an impact there's been. He also goes through the top news that will be driving the trading this week, so click to watch the video to get caught up to speed now! - Take advantage of this week's special from Miles Franklin and get pre-1933 gold $20 Liberties for $65 over spot by calling Miles Franklin at 833-326-4653, or emailing Arcadia@MilesFranklin.com. To get a 30% discount to the 'premium' level of Vince's Goldfix newsletter go to: https://vblgoldfix.substack.com/Arcadia30off To join our free email list and never miss a video click here: https://arcadiaeconomics.com/email-signup/ - To get on the waiting list for your very own ´Silver Chopper Ben´ sterling silver figurine click here: https://arcadiaeconomics.com/get-a-chopper-ben/ - To get your paperback or audio copy of The Big Silver Short go to: https://arcadiaeconomics.com/thebigsilvershort/ Find Arcadia Economics content on these sites: YouTube - https://www.youtube.com/user/ArcadiaEconomics Rumble - https://rumble.com/c/ArcadiaEconomics Bitchute - https://www.bitchute.com/channel/kgpeiwO1dhxX/ LBRY/Odysee - https://odysee.com/@ArcadiaEconomics:5 Listen to Arcadia Economics on your favorite Podcast platforms: Spotify - https://open.spotify.com/show/75OH2PpgUpriBA5mYf5kyY Apple - https://podcasts.apple.com/us/podcast/arcadia-economics/id1505398976 Google-https://podcasts.google.com/feed/aHR0cHM6Ly9teXNvdW5kd2lzZS5jb20vcnNzLzE2MTg5NTk1MjMzNDVz Anchor - https://anchor.fm/arcadiaeconomics Amazon - https://podcasters.amazon.com/podcasts Follow Arcadia Economics on these social platforms Twitter - https://twitter.com/ArcadiaEconomic Instagram - https://www.instagram.com/arcadiaeconomics/ #silver #silverprice And remember to get outside and have some fun every once in a while!:) (URL0VD) We do receive compensation from Miles Franklin from orders placed through our show. For our full disclaimer go to: https://arcadiaeconomics.com/disclaimer-miles-franklin-precious-metals/Subscribe to Arcadia Economics on Soundwise

In this episode, we dive into the topic of taking money out of your business. Shannon breaks down the complexities of taking money out of different types of businesses - from single-member LLCs to S Corporations, Partnerships, and C Corporations. Shannon explains the implications of taking money out of your business, the importance of managing cash flow, and how to pay yourself in ways that minimize tax implications. Tune in to gain valuable insights and actionable tips for managing the financial side of your business.   What you'll hear in this episode: 03:34 IRS taxes all income, plan withdrawals wisely. 07:47 Determining reasonable salary for entrepreneurs is ambiguous. 12:50 Consider unequal distributions and guaranteed payments in partnerships. 14:15 Trainer seeks extra payment for unequal business work. 17:20 C corporation tax implications and payment considerations.   If you like this episode, check out: How Publishing a Book Affects Your Taxes Decoding the Messages in Your Numbers What Your Numbers Are Trying to Tell You   Want to learn more so you can earn more? 5-Day Financial Mindset Refresh: https://www.keepwhatyouearn.com/refresh Visit keepwhatyouearn.com to dive deeper on our episodes Visit keepwhatyouearncfo.com to work with Shannon and her team Watch this episode and more here: https://www.youtube.com/channel/UCMlIuZsrllp1Uc_MlhriLvQ Connect with Shannon on IG: https://www.instagram.com/shannonkweinstein/   The information contained in this podcast is intended for educational purposes only and is not individual tax advice. Please consult a qualified professional before implementing anything you learn.  

NFL's Gambling Conundrum I No Huddle Offense I Seahawks vs. Eagles Expectations

Mom stopped paying for her child's college to take care of her fiancé's financial needs. Does this make her a bad mom? Learn more about your ad choices. Visit megaphone.fm/adchoices

Charles has had it with Joe and Big Al stumbling through the Roth 5-year rules, so he explains to Joe and Big Al, once and for all, the rules for withdrawing money from a Roth IRA. Plus, is Shane missing any retirement risks before he retires early at age 55? Nick wants to know if employers are required to adopt all of the provisions in the SECURE Act 2.0, or if they can pick and choose which to implement, like they can with the rule of 55? Plus, how can Stew offset huge capital gains on the sale of an inherited house, and we revisit whether George can move investments in-kind from an inherited trust to a brokerage account.  Timestamps: 01:57 - Roth IRA 5-Year Rules for Withdrawals Explained (Charles) 10:39 - Any Retirement Risks I'm Missing Before I Retire at Age 55? (Shane, Chester County, PA) 16:42 - Do Employers Have to Adopt All of SECURE 2.0? (Nick, OH) 21:10 - How to Offset Huge Capital Gains Taxes on the Sale of an Inherited House? (Stew, Clairemont) 25:49 - Can I Move Investments In-Kind From Inherited Trust to Brokerage Account? (George, KS - from ep. 433) 34:02 - The Derails Access this week's free financial resources in the podcast show notes at https://bit.ly/ymyw-444  EASIRetirement.com - new free retirement calculator! 5-Year Rules for Roth IRA Withdrawals Guide - free download SECURE Act 2.0 Guide - free download 6th Annual YMYW Podcast Survey - one randomly-chosen participant will win a $100 Amazon e-gift card! Episode Transcript Ask Joe & Big Al On Air for your Retirement Spitball Analysis

Francesca brings on writer Alexander Reid Ross and organizer Tobita Chow to discuss a NY Times expose on a pro-China tankie millionaire who has been giving to progressive groups in exchange for some favorable coverage. We discuss what the links truly are, what it means for the left, and how this does or does not play into the anti-China aggression.To listen to the full hour-long discussion (and so much more bonus content!) support The Bitchuation Room by becoming a patron: www.patreon.com/bitchuationroom. Direct link to the bonus episode here.The BONUS BISH streams LIVE on YouTube and Twitch Fridays 1pmPT/4pmET for everyone and is available to watch and listen back for Patrons, YouTube and Twitch members. Thank you for your support of the little podcast that could...overthrow capitalism. Hosted on Acast. See acast.com/privacy for more information.

Business Podcast: We discuss the principled stand of our sister Maggie and why the movie business is bluffing when they say they'll leave Georgia. Like our Facebook Page Follow us on Twitter Follow us on Instagram Subscribe on Youtube Follow us on Minds New Perk! Become a Fight Laugh Feast Member click here, scroll down, and put "HTBT" in the memo to get a HTBT mug.

Sam of Financial Samurai talks about what to do if the money runs out Episode 2110: Taking Money For Granted: What To Do If The Money Runs Out? By Sam Dogen Sam Dogen's net worth took a beating in 2009 as the world was falling apart. He thought it would be a good idea to start a personal finance site to help himself and others make sense of chaos. After all, he had spent 10 years working in the finance industry, got his MBA from Cal, invested and saved aggressively, and still got financially rocked! Since then, more than 20 million visitors have stopped by FinancialSamurai.com. The original post is located here: https://www.financialsamurai.com/taking-money-for-granted/   Visit Me Online at OLDPodcast.com Interested in advertising on the show? https://www.advertisecast.com/OptimalFinanceDaily Learn more about your ad choices. Visit megaphone.fm/adchoices

Dave Ramsey & Kristina Ellis discuss: Making money as a moral act (with Rabbi Daniel Lapin), How to avoid student loans at all cost, How to pay a big tax bill. Support Our Sponsor: Splash Financial: https://bit.ly/2XAdOIf  Zander Insurance: https://bit.ly/2Xbn7hD Want a plan for your money? Find out where to start: https://bit.ly/3nInETX Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6