Podcasts about wealthy

OUR FAMILY MUSIC ACADEMY: Affordable and effective online weekly music lessons designed for families. https://www.voetbergmusicacademy.com Use coupon code: PODCASTVMA for 10% off each month - Jeremy met his wife April in Jerusalem in 1997 when they were students. They've spent the last 25 years building Team Pryor together. The Pryors have five kids: Kelsey, Jackson, Sydney, Elisa and Kaira. They live in a multigenerational house with Jeremy parents and other extended family members in Fort Thomas, KY just a few miles from Cincinnati, Ohio. They've founded several businesses and nonprofits including Epipheo (a video production agency) Just Sew (a quilt shop), FamilyTeams.com (training content for families) 1000 Houses (equipping disciple-making households) and The Story-Formed Life (a discipleship training resource). Website - https://familyteams.com/ Free Guide - The Family Freedom Blueprint - 5 Steps to Start a Business and Become a Family Team on Mission - http://www.familyteams.com/blueprint “Family Revision” by Jeremy Pryor - https://amzn.to/49ljaJu “The E-Myth Revisited: Why Most Small Businesses Don't Work and What to Do About It―A Guide to Starting a Business in a Productive and Successful Way” by Michael E. Gerber - https://amzn.to/4qp5dRE

In this episode, I'm sharing the six signs your advisor is f*cking you based on what I've seen behind the scenes after reviewing countless client portfolios.I'm breaking down why so many women end up confused, doubting themselves, and missing the one number that actually tells you whether your investments are underperforming. Tune in to learn:The six clear signs your advisor is actually costing you moneyWhy you end up feeling confused or like an idiot after talking to most advisorsThe one number you absolutely must know about your investmentsHow to tell if your portfolio is underperforming the averageWhat's really happening behind the scenes when advisors avoid clear answers

Welcome to Episode #265This weeks topic:  Think BIG  - representing the third stage of the feminine life cycle (maiden, mother, crone) and embodies the profound wisdom, power, and liberation that comes with age. change your life - How  you feel about yourself - "affects"your ability to manifest" This episode will help shed some light - on how this new phase of life will change "everything" - Let's learn together.. Live Show ⤵️ on the podcast channelhttps://youtube.com/live/-o-_hlcvyRUhttp://www.ElizabethMagicalGarden.comCash app me: $Eliz241 Check out the Live show on my youtube channel @Elizabeth magical Garden Podcast E.p. #263

Why do we romanticize historical outlaws and con artists? It is difficult to write about Wild West outlaws because the myths surrounding them bear little resemblance to the truth. Jefferson Randolph “Soapy” Smith was one of those characters. Smith often donated money to good causes, but he earned that money by cheating and robbing people. When he relocated his criminal enterprise to Skagway, Alaska, during the Klondike Gold Rush in 1897, the citizens soon grew weary of his cons and threats. The animosity led to a confrontation and a shootout, and soon, Jefferson Smith's life ended, and the legend of Soapy Smith began. Sources Charles River Editors. Soapy Smith: The Life and Legacy of the Wild West's Most Infamous Con Artist. 2019. Independently Published. History.com Editors. “Conman ‘Soapy Smith' Killed in Alaska.” November 16, 2009. History. Sauerwein, Stan. Soapy Smith: Skagway's Scourge of the Klondike. 2005. Alberta, Canada. Altitude Publishing Canada, Ltd. Smith, Jeff, Alias Soapy Smith: The Life and Death of a Scoundrel, 2009, Juneau, Alaska. Klondike Research. Spude, Katherine Holder. “The Fiend in Hell.” Soapy Smith in Legend. 2024. Norman, Oklahoma. The University of Oklahoma Press. _______________ Wishing You a Healthy, Wealthy, Wonderful 2026! ___________ For More Stories of Murder and Mystery ___________________ https://youtu.be/7Fv52Bf8yfY ___________________ Join the Last Frontier Club’s Free Tier ______ Robin Barefield lives in the wilderness on Kodiak Island, where she and her husband own a remote lodge. She has a master's degree in fish and wildlife biology and is a wildlife-viewing and fishing guide. Robin has published six novels: Big Game, Murder Over Kodiak, The Fisherman's Daughter, Karluk Bones, Massacre at Bear Creek Lodge, and The Ultimate Hunt. She has also published two non-fiction books: Kodiak Island Wildlife and Murder and Mystery in the Last Frontier. She draws on her love and appreciation of the Alaska wilderness as well as her scientific background when writing. Robin invites you to join her at her website: https://robinbarefield.com, and while you are there, sign up for her free monthly newsletter about true crime in Alaska. Robin also narrates a podcast, Murder and Mystery in the Last Frontier. You can find it at: https://murder-in-the-last-frontier.blubrry.net Subscribe to Robin’s free, monthly Murder and Mystery Newsletter for more stories about true crime and mystery from Alaska. Join her on: Facebook Instagram Twitter LinkedIn Visit her website at http://robinbarefield.com Check out her books at Amazon Send me an email: robinbarefield76@gmail.com ___________________________________________________________________________________ Would you like to support Murder and Mystery in the Last Frontier? Become a patron and join The Last Frontier Club. Each month, Robin will provide one or more of the following to club members. · An extra episode of Murder and Mystery in the Last Frontier is available only for club members. Behind-the-scenes glimpses of life and wildlife in the Kodiak wilderness. · Breaking news about ongoing murder cases and new crimes in Alaska ____________________________________________________________________________________________ Merchandise! Visit the Store

As the year ends, take a moment to pause and reflect. Instead of chasing resolutions, what if you designed a year that feels truly wealthy — rich in meaning, freedom, and joy? In this episode, learn how to align your money, time, and energy with what matters most, set financial intentions instead of goals, and take small, intentional steps toward your ideal life.In this episode, you'll learn:·         How to reflect on what worked and what didn't this past year·         Why acknowledging your wins builds confidence and clarity·         How to define what a truly wealthy year means to you·         The difference between a financial goal and a financial intention·         How to use money as a tool to create more freedom and purpose·         Simple, sustainable steps to start living your vision nowPlease 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/12financialmistakes If 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/fiworkbook Dr. 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.com Instagram https://www.instagram.com/GrowYourWealthyMindset Facebook https://www.facebook.com/ElisaChiang https://www.facebook.com/GrowYourWealthyMindset YouTube: https://www.youtube.com/c/WealthyMindsetMD Linked In: www.linkedin.com/in/ElisaChiang Disclaimer: The content provided in the Grow Your Wealthy Mind...

WHAT THE 2026 CONTRIBUTION LIMITS MEAN FOR YOU FROM BALTIMORE WASHINGTON FINANCIAL ADVISORS Lawrence M. Post | CPA, MST, CFP®, CIMA® Senior Tax & Planning Advisor, BWFA and Tyler Kluge | CFP®, ChFEB℠, CPWA®, CDFA®, CEPS,  Financial Planner, BWFA About This Episode Contribution limits for retirement accounts change periodically and can impact how much you are able to save. This episode explains the newly finalized retirement plan contribution limits for 2026 and why understanding these updates can help you make informed decisions about saving, planning, and taking advantage of available opportunities. Full Description Each year, retirement plan contribution limits are reviewed and adjusted, reflecting changes in economic conditions and cost-of-living considerations. These updates can affect how much individuals and families are able to contribute to retirement accounts and influence overall planning strategies. In this episode of Healthy, Wealthy & Wise, the discussion focuses on the retirement plan contribution limits finalized for 2026. Listeners will learn what has changed, which accounts are impacted, and why these updates matter when planning for long-term financial goals. The episode explains how contribution limits apply to common retirement vehicles and how increases may create new opportunities to save more efficiently. Understanding these limits is especially important for those nearing retirement, individuals trying to maximize savings, or anyone adjusting their financial plan for the coming year. The conversation also highlights why contribution limits should be viewed as part of a broader strategy rather than in isolation. Saving more is helpful, but aligning contributions with income, tax considerations, and future goals is equally important. Planning ahead allows individuals to take advantage of changes without disrupting cash flow or other priorities. Listeners will gain perspective on how staying informed about contribution limits supports proactive planning. Rather than reacting at tax time, understanding updates early allows for more intentional decisions throughout the year. At BWFA, we help clients evaluate how annual changes like contribution limits fit into their overall financial plans. This episode provides timely insight for anyone looking to stay informed and make thoughtful choices as they plan for 2026 and beyond. To learn more about retirement planning strategies, visit BWFA's Financial Planning Services.

COSTLY MISTAKES OVERSPENDING IN RETIREMENT FROM BALTIMORE WASHINGTON FINANCIAL ADVISORS Tyler Kluge | CFP®, CPWA®, CDFA®, CEPS Financial Planner, BWFA Tessa Hall Media and Communications Specialist, BWFA Sandy Hornor | CEPS Managing Director, Wealth Management & Executive Manager, BWFA About This Episode Holding retirement savings in cash may feel safe, but over time inflation erodes purchasing power. In this episode, BWFA's Sandy Hornor, Jr. and Tyler Kluge explain why too much cash can become a costly mistake—and how to find the right balance for long-term security. You'll also learn why professional planning helps ensure that your money continues to grow, even as your needs and goals evolve. Full DescriptionMany retirees feel comfortable keeping large portions of their retirement plan in cash. It provides stability, avoids market swings, and seems like the safe choice. However, cash alone cannot keep up with inflation. Over the years, rising prices quietly reduce its value, leaving less to cover healthcare costs, everyday expenses, and the retirement lifestyle you planned. In this episode of Healthy, Wealthy & Wise, BWFA's Sandy Hornor, Jr., Tyler Kluge, and Tessa Hall explain why holding too much cash can be risky. While every plan needs liquidity for emergencies, relying on cash at the expense of growth may limit your long-term success. Together, they share insights on how to strike the right balance, ensuring you maintain flexibility today while protecting your future purchasing power. Listeners will also hear how professional financial planning can help determine the right mix of cash, bonds, and equities. With careful guidance, it is possible to feel secure while still allowing your portfolio to grow. At BWFA, we believe retirement is about more than safety—it's about sustainability. This episode offers practical guidance for making smarter decisions, avoiding common pitfalls, and staying on track for the future. By learning how to balance risk and reward, you can create a retirement strategy designed to last. For more retirement strategies, visit BWFA's Financial Planning Services.

ESTATE PLANNING BASICS FOR EVERY STAGE OF LIFE FROM BALTIMORE WASHINGTON FINANCIAL ADVISORS Tyler Kluge | CFP®, CPWA®, CDFA®, CEPS Financial Planner, BWFA Tessa Hall Media and Communications Specialist, BWFA About This Episode Estate planning is often misunderstood as something only wealthy families need to worry about. This episode explains why having a plan in place matters regardless of net worth and how basic estate documents can provide clarity, protection, and peace of mind at every stage of life. Full Description Many people assume estate planning is only necessary for those with significant wealth. In reality, estate planning is about protecting loved ones, clarifying wishes, and reducing uncertainty, regardless of net worth. In this episode of Healthy, Wealthy & Wise, the discussion explains why estate planning is important for individuals and families at all stages of life. Listeners will learn how basic planning documents help ensure decisions are made according to their wishes, not left to default rules. The episode covers common misconceptions around estate planning and why waiting can create unnecessary complications. Without proper documents in place, families may face delays, added stress, and difficult decisions during already challenging times. The conversation also highlights how estate planning supports broader financial planning goals. Coordinating beneficiaries, powers of attorney, and healthcare directives helps create clarity and continuity, especially as life circumstances change. Listeners will gain insight into why estate planning is not about predicting outcomes, but preparing for possibilities. Having a plan in place provides peace of mind and helps protect both people and assets. At BWFA, we encourage proactive planning that reflects each client's goals and values. This episode offers a clear reminder that estate planning is a foundational step for anyone who wants to care for those they love. To learn more about estate and financial planning strategies, visit BWFA's Financial Planning Services.

WHY FINANCIAL SUCCESS IS MORE ABOUT BEHAVIOR THAN MATH FROM BALTIMORE WASHINGTON FINANCIAL ADVISORS Tyler Kluge | CFP®, CPWA®, CDFA®, CEPS Financial Planner, BWFA Tessa Hall Media and Communications Specialist, BWFA About This Episode Financial success is not just about spreadsheets or calculations. Learn how habits, mindset, and everyday decisions often have a greater impact on long-term financial outcomes. Full Description Many people believe financial success comes down to formulas, calculations, and choosing the right investments. While the numbers matter, they are rarely the sole driver of long-term outcomes. In reality, behavior often plays a far greater role than most people expect. In this episode of Healthy, Wealthy & Wise, the discussion explores why financial success is shaped more by decisions and habits than by math alone. Listeners will learn how everyday choices, emotional responses, and long-term behaviors influence financial progress over time. The episode explains how consistency, patience, and follow-through often outweigh technical knowledge. Even well-structured financial plans can struggle when decisions are driven by fear, impulse, or short-term reactions. Recognizing these patterns can help individuals better understand where challenges may arise. The conversation also addresses common behavioral obstacles, such as reacting to market swings, increasing spending during strong income years, or avoiding difficult financial conversations. These behaviors can quietly erode progress, even when income and savings appear healthy on paper. Financial behavior develops over time and is shaped by experiences, confidence, and past outcomes. By understanding these influences, individuals can begin to identify habits that either support or limit long-term success. This episode emphasizes awareness and intentional decision-making rather than optimization or complexity. Small behavioral shifts, when paired with thoughtful planning, can lead to more sustainable outcomes. At BWFA, we help clients build financial plans that account for both the numbers and the human side of decision-making. This episode offers perspective for anyone seeking greater confidence by focusing on the habits that truly drive financial success. To learn more about building a thoughtful financial plan, visit BWFA's Financial Planning Services.

IRS IDENTITY THEFT AND WHAT TO KNOW FROM BALTIMORE WASHINGTON FINANCIAL ADVISORS Lawrence M. Post | CPA, MST, CFP®, CIMA® Senior Tax & Planning Advisor, BWFA About This Episode Identity theft can create serious tax complications, often before you even realize there is a problem. Learn how IRS-related identity theft happens, the warning signs to watch for, and how understanding the process can help reduce stress and protect your financial life. Full Description Identity theft can affect more than just your credit. When it involves tax filings, the consequences can be stressful, time-consuming, and difficult to resolve without proper guidance. In this episode of Healthy, Wealthy & Wise, the discussion focuses on identity theft as it relates specifically to the IRS. Listeners will learn how tax-related identity theft occurs, including how stolen personal information can be used to file fraudulent returns or claim refunds. The episode explains common warning signs that may indicate a problem, such as unexpected IRS notices, rejected tax filings, or missing refunds. Understanding these signals early can help limit further complications and reduce the time it takes to correct the issue. The conversation also outlines how the IRS typically responds once identity theft is identified. Listeners gain insight into the steps involved in reporting fraud, verifying identity, and protecting future tax filings. While the process can take time, knowing what to expect helps reduce uncertainty. In addition, the episode highlights practical steps individuals can take to reduce risk. These include safeguarding personal information, monitoring tax records, and responding promptly to IRS communications. Prevention and early action are key themes throughout the discussion. At BWFA, we help clients navigate financial challenges that extend beyond investments. This episode provides helpful context for anyone concerned about identity theft and its impact on their tax situation. To learn more about our tax services planning support, visit BWFA's Tax Planning.

HOW TO START SPENDING CONFIDENTLY IN RETIREMENT FROM BALTIMORE WASHINGTON FINANCIAL ADVISORS Tyler Kluge | CFP®, CPWA®, CDFA®, CEPS Financial Planner, BWFA Tessa Hall Media and Communications Specialist, BWFA About This Episode Moving from saving money to spending it in retirement can feel uncomfortable and unfamiliar. Learn why this transition is often emotionally challenging and how thoughtful planning can help you spend with greater confidence and peace of mind. Full Description For many retirees, the shift from saving money to spending it can be one of the most challenging parts of retirement. After decades of building assets, drawing from those savings often feels unnatural, even when the plan supports it. In this episode of Healthy, Wealthy & Wise, the discussion explores how to navigate the transition from saving to spending in retirement. Listeners will learn why this shift can feel emotionally difficult and how thoughtful planning helps ease the adjustment. The episode explains how retirement spending differs from working years. Income sources change, spending patterns evolve, and decisions often require more intention. Understanding how and when to use savings is critical for maintaining confidence throughout retirement. The conversation also addresses common concerns, such as fear of running out of money and uncertainty around market conditions. Listeners gain insight into how planning strategies can provide structure while allowing flexibility as needs change over time. Rather than focusing on rigid rules, the episode emphasizes aligning spending with personal priorities and long-term goals. Retirement spending should support the life you want to live, not create ongoing stress or hesitation. At BWFA, we help retirees develop income strategies designed to support both lifestyle and longevity. This episode offers perspective for anyone approaching retirement or already adjusting to life after full-time work. To learn more about retirement planning strategies, visit BWFA's Financial Planning Services.

DOING EVERYTHING RIGHT BUT STILL ANXIOUS ABOUT MONEY FROM BALTIMORE WASHINGTON FINANCIAL ADVISORS Tyler Kluge | CFP®, CPWA®, CDFA®, CEPS Financial Planner, BWFA Tessa Hall Media and Communications Specialist, BWFA About This Episode Even with solid financial habits, money anxiety can persist. Learn why this happens and how thoughtful planning can help restore confidence. Full Description Many people follow the “right” financial rules. They save consistently, avoid major debt, and plan responsibly. Yet despite doing everything they are told to do, anxiety around money often remains. This disconnect can be confusing and frustrating. In this episode of Healthy, Wealthy & Wise, the discussion explores why financial anxiety can exist even when the numbers appear sound. Listeners will learn how uncertainty, life transitions, and emotional stressors can influence how we feel about money, regardless of outward financial success. The episode explains how financial confidence is shaped by more than balances and spreadsheets. Factors such as market volatility, changing goals, and fear of the unknown often play a larger role than expected. Without clarity and context, even well-managed finances can still feel fragile. The conversation also highlights the importance of aligning financial plans with personal values and priorities. When goals are unclear or outdated, anxiety can persist despite strong habits. This episode encourages listeners to revisit not just what they are doing with their money, but why. Rather than offering quick fixes, the discussion focuses on building understanding. Recognizing the emotional side of financial planning can help individuals move from constant worry toward informed confidence. Planning is not only about preparing for outcomes, but also about reducing unnecessary stress along the way. At BWFA, we work with individuals and families to create plans that address both financial structure and peace of mind. This episode offers perspective for anyone who feels they are doing everything right, yet still worries about what lies ahead. To learn more about creating a financial plan that supports long-term confidence, visit BWFA's Financial Planning Services.

In this episode, Kat breaks down what actually stops high-achieving women from breaking through their next level and it's not motivation, discipline, or missing information. It's something most women never think to look at. What This Episode Covers Why knowing what to do isn't the same as being able to hold the result The subtle reason pushing harder often backfires The four invisible loops that quietly cap growth Why changing strategies can feel productive but keep you stuck What capacity actually means (and why most women misunderstand it) If your body doesn't feel safe holding more, it will always pull you back, no matter how good the strategy is. This episode explains why sustainable success requires more than effort… and what most women skip when trying to scale. In the Your Wealthiest Year masterclass, Kat shares how to interrupt these loops and build the capacity to grow without burning out or losing your edge along with the premium strategy that allows you to sell $10k-$30k offers in the DMs and become known as a thought leading industry expert. Because the goal isn't just getting to the next level. It's staying there. GO DEEPER WITH WEALTHY & WELL: Join YOUR WEALTHIEST YEAR (FREE) happening 1/6 HERE Apply to high level support in the Flourish Mastermind HERE Get your ticket to Wealthy & Well Live HERE DM Kat on IG HERE

Why do the ultra-wealthy ignore the traditional 60/40 portfolio? Tad Fallows, founder of a high-net-worth community, reveals that his members hold almost zero bonds and use portfolio lines of credit instead of keeping cash reserves. In this interview, he breaks down the actual asset allocation strategies used by those with $5M-$100M+ net worths, including why they prioritize private equity and real estate over public bonds. Tad also explains why whole life insurance is almost never a good investment , the difference between revocable and irrevocable trusts for estate planning , and sophisticated tax strategies for selling concentrated stock positions—like Exchange Funds and Direct Indexing—without triggering a massive tax bill. Check out the company: https://longangle.com

UNDERSTANDING HOW FINANCIAL AID REALLY WORKS FROM BALTIMORE WASHINGTON FINANCIAL ADVISORS with Thad Ismart | CFP®, ChFEBC, CEPS  Senior Financial Planner About This Episode Financial aid is often misunderstood. Learn how the system really works and what families should consider when planning for college costs. Full Description Financial aid plays an important role in college planning, yet many families misunderstand how it works and what it can realistically provide. Assumptions about eligibility, timing, and availability often lead to confusion and missed opportunities. Understanding the basics early can make a meaningful difference in how families prepare for higher education expenses. In this episode of Healthy, Wealthy & Wise, Thad Ismart, CFP®, ChFEBC, CEPS, breaks down the realities of financial aid and explains why expectations do not always match outcomes. He discusses how financial aid formulas evaluate income, assets, and household factors, and why aid packages can vary significantly from one school to another. The conversation also addresses common misconceptions, such as the belief that only low-income families qualify for assistance or that financial aid will cover the majority of college costs. Thad explains how financial aid decisions are influenced by multiple variables and why planning ahead is essential for families across income levels. Listeners will gain insight into how financial aid fits into a broader college funding strategy. While aid can help reduce costs, it should not be the sole plan. Thad emphasizes the importance of understanding deadlines, completing required forms accurately, and coordinating financial aid expectations with other savings and planning tools. At BWFA, we help families navigate college planning with a clear, realistic approach. By understanding how financial aid truly works, families can make more informed decisions and avoid surprises along the way. To learn more about how education planning fits into your overall financial picture, visit BWFA's Financial Planning page and explore how thoughtful planning can help you move forward with confidence.

PASSING A HOME TO THE NEXT GENERATION FROM BALTIMORE WASHINGTON FINANCIAL ADVISORS with Thad Ismart | CFP®, ChFEBC, CEPS  Senior Financial Planner About This Episode A Qualified Personal Residence Trust, or QPRT, can be a powerful estate planning tool for transferring a home while managing estate taxes. Learn how it works and when it may be appropriate. Full Description Transferring a home to the next generation can be one of the most complex parts of estate planning. Between emotional attachment, tax considerations, and long-term planning goals, families often struggle to find the right approach. A Qualified Personal Residence Trust, commonly known as a QPRT, is one option that may help address these challenges. In this episode of Healthy, Wealthy & Wise, Thad Ismart, CFP®, ChFEBC, CEPS, explains how QPRTs work and why they are sometimes used in estate planning strategies. He outlines how a QPRT allows a homeowner to transfer a residence out of their estate while continuing to live in the property for a specified period of time. If structured properly, this approach can help reduce the taxable value of the estate. The discussion also highlights important considerations and potential risks. QPRTs are not a fit for every family, and they involve long-term commitments that should be carefully evaluated. Factors such as life expectancy, future housing needs, and changes in tax law all play a role in determining whether a QPRT makes sense. Thad emphasizes the importance of coordination between estate planning, tax strategy, and overall financial goals. Decisions involving property transfers should never be made in isolation. Understanding both the benefits and limitations of a QPRT helps families avoid unintended consequences. At BWFA, we work with clients and their estate planning professionals to ensure advanced strategies align with their broader financial picture. This episode provides a practical overview of QPRTs and their role in thoughtful estate planning. To learn more about estate planning strategies, visit BWFA's Financial Planning page.

THE BENEFITS OF STARTING FINANCIAL PLANNING EARLY FROM BALTIMORE WASHINGTON FINANCIAL ADVISORS Lawrence M. Post | CPA, MST, CFP®, CIMA® Senior Tax & Planning Advisor, BWFA and Tyler Kluge | CFP®, ChFEB℠, CPWA®, CDFA®, CEPS,  Senior Financial Planner, BWFA About This Episode Starting financial planning early can make a meaningful difference over time. Learn why early action creates flexibility, confidence, and long-term opportunity. Full Description Financial planning is often viewed as something to address later in life, once income increases or major milestones approach. In reality, starting early can provide significant advantages that compound over time. The earlier planning begins, the more flexibility individuals have to adapt, adjust, and stay aligned with their goals. In this episode of Healthy, Wealthy & Wise, Larry and Tyler discuss why early financial planning lays a strong foundation for long-term success. They explain how starting early allows individuals to take advantage of compounding, build healthy financial habits, and make thoughtful decisions without unnecessary pressure. The conversation highlights how early planning is not about perfection, but direction. Establishing clear priorities, understanding cash flow, and setting realistic goals can help individuals navigate life changes with greater confidence. Early planning also creates room to course-correct as circumstances evolve, rather than reacting under time constraints later on. Larry and Tyler also emphasize the value of education and consistency. Small steps taken early can have an outsized impact over time. Whether planning for retirement, managing debt, or preparing for future expenses, starting early allows planning decisions to work together more effectively. Rather than waiting for a “right time,” this episode encourages listeners to view financial planning as an ongoing process that grows alongside them. Early planning supports better decision-making and helps reduce stress as goals become more defined. At BWFA, we help individuals and families build financial plans that evolve with each stage of life. This episode reinforces the importance of starting early and staying engaged over time. To learn more about building a financial plan that fits your goals, visit BWFA's Financial Planning Services.

GETTING THE MOST OUT OF A MARYLAND 529 FROM BALTIMORE WASHINGTON FINANCIAL ADVISORS with Sandy Hornor | CEPS Managing Director, Wealth Management & Executive Manager, BWFA and Tyler Kluge | CFP®, ChFEB℠, CPWA®, CDFA®, CEPS,  Financial Planner, BWFA About This Episode Maryland 529 plans offer tax advantages for families saving for education. Learn how these plans work and how they fit into college planning. Full Description Saving for college can feel overwhelming, especially as education costs continue to rise. Maryland families have access to a powerful tool that can help make this goal more manageable: the Maryland 529 college savings plan. Understanding how these plans work is an important step in building an effective education funding strategy. In this episode of Healthy, Wealthy & Wise, Larry and Tyler discuss how Maryland 529 plans function and why they are commonly used for college savings. They explain the basic structure of a 529 plan, including how contributions grow over time and how funds can be used for qualified education expenses. The conversation also highlights the specific benefits available to Maryland residents. State tax deductions, flexibility in contribution amounts, and control over the account all play a role in making Maryland 529 plans appealing for families at different stages of planning. Larry and Tyler also discuss how these plans can be coordinated with other education funding options. Listeners will learn why it is important to align college savings with broader financial goals. Saving for education should not come at the expense of retirement planning or overall financial stability. This episode emphasizes the value of balance and thoughtful prioritization when planning for future expenses. Rather than viewing a 529 plan as a standalone solution, Larry and Tyler encourage families to integrate college savings into a comprehensive financial plan. This approach helps ensure education goals are supported while maintaining long-term flexibility. To learn more about education planning and savings strategies, visit BWFA's Financial Planning Services.

HOW TO PREPARE FINANCIALLY FOR THE UNEXPECTED (WITHOUT OBSESSING) FROM BALTIMORE WASHINGTON FINANCIAL ADVISORS Lawrence M. Post | CPA, MST, CFP®, CIMA® Senior Tax & Planning Advisor, BWFA and Tyler Kluge | CFP®, ChFEB℠, CPWA®, CDFA®, CEPS,  Financial Planner, BWFA About This Episode Life is unpredictable, but financial planning does not have to be stressful. Learn how to prepare for the unexpected without constant worry. Full Description Unexpected events are a part of life. Job changes, health issues, family needs, and economic shifts can all impact financial stability. While it is impossible to plan for every outcome, being financially prepared can help reduce stress and improve confidence when challenges arise. In this episode of Healthy, Wealthy & Wise, the discussion focuses on how to prepare financially for the unexpected without becoming overwhelmed or overly cautious. The conversation emphasizes balance, showing how thoughtful planning can create flexibility without requiring constant monitoring or fear-driven decisions. Listeners will learn why preparation is about structure rather than prediction. Establishing emergency savings, maintaining appropriate insurance coverage, and understanding cash flow are foundational steps that help absorb life's surprises. This episode also explores how over-preparing can be just as harmful as under-preparing, particularly when excessive conservatism limits long-term growth or opportunity. The discussion highlights the importance of clarity. Knowing what resources are available and how they fit into an overall financial plan allows individuals to respond thoughtfully rather than react emotionally. Preparation does not mean obsessing over worst-case scenarios. It means building a plan that can adapt as circumstances change. Rather than offering quick fixes or rigid rules, this episode encourages a calm, intentional approach to financial readiness. When preparation is aligned with goals and values, it becomes a source of confidence rather than anxiety. At BWFA, we help clients design financial plans that are resilient, flexible, and realistic. Preparing for the unexpected is not about fear. It is about creating a plan that supports you through whatever life brings. To learn more about building a flexible financial plan, visit BWFA's Financial Planning Services.

WHY A HIGH INCOME DOESN'T GUARANTEE WEALTH FROM BALTIMORE WASHINGTON FINANCIAL ADVISORS Lawrence M. Post | CPA, MST, CFP®, CIMA® Senior Tax & Planning Advisor, BWFA and Tyler Kluge | CFP®, ChFEB℠, CPWA®, CDFA®, CEPS,  Financial Planner, BWFA About This Episode Earning more money does not always lead to financial security. Learn why income alone is not enough to build lasting wealth. Full Description Many people assume that a high income automatically leads to wealth. In reality, income is only one part of the financial picture. Without intentional planning, even strong earnings can fail to translate into long-term security. In this episode of Healthy, Wealthy & Wise, the discussion explores why income alone does not guarantee wealth. Listeners will learn how spending habits, lifestyle choices, taxes, and planning decisions often have a greater impact on financial outcomes than salary alone. The episode highlights common patterns seen among high earners who struggle to build wealth. Lifestyle inflation, lack of savings discipline, and uncoordinated financial decisions can quietly erode progress over time. The conversation explains how these issues can affect professionals at every income level. Listeners will also gain insight into what truly supports wealth building. Consistent saving, intentional spending, thoughtful investing, and long term planning all work together to create sustainable financial strength. Wealth is built through decisions made over time, not simply through higher paychecks. Rather than focusing on earning more, this episode encourages listeners to focus on making smarter choices with what they already earn. Understanding where money goes, aligning spending with goals, and creating a structured plan can make a meaningful difference. At BWFA, we work with individuals and families to help turn income into lasting opportunity. This episode offers a practical reminder that wealth is about behavior, planning, and consistency. To learn more about building a comprehensive financial plan, visit BWFA's Financial Planning Services.

HOW TO DECIDE BETWEEN DEBT AND INVESTING FROM BALTIMORE WASHINGTON FINANCIAL ADVISORS Lawrence M. Post | CPA, MST, CFP®, CIMA® Senior Tax & Planning Advisor, BWFA and Tyler Kluge | CFP®, ChFEB℠, CPWA®, CDFA®, CEPS,  Financial Planner, BWFA About This Episode Deciding whether to pay off debt or invest can feel overwhelming. Learn how to weigh your options and make choices that support long-term goals. Full Description One of the most common financial questions people face is whether they should focus on paying off debt or investing for the future. Both options can play an important role in a healthy financial plan, but the right answer is rarely the same for everyone. In this episode of Healthy, Wealthy & Wise, the discussion explores how to evaluate the decision to pay down debt versus investing. Listeners will learn why interest rates, cash flow, and personal goals all matter when deciding where to direct their money. The conversation explains that not all debt is created equal. High-interest consumer debt can place ongoing pressure on finances, while lower-interest debt may allow room for investing at the same time. This episode helps listeners understand how different types of debt fit into a broader financial strategy. The episode also highlights the emotional side of this decision. Paying off debt can provide peace of mind, while investing supports long-term growth. Balancing these priorities often requires tradeoffs. Rather than viewing the choice as all or nothing, the discussion encourages a more flexible approach that considers both progress and stability. Listeners will gain insight into how thoughtful planning can help avoid extremes. Making consistent, informed decisions over time often leads to better outcomes than reacting based on short-term emotions or headlines. At BWFA, we help individuals and families align debt management and investing within a comprehensive plan. This episode offers guidance to help you make confident decisions that fit your unique financial situation. To learn more about building a balanced financial plan, visit BWFA's Financial Planning Services.

MONEY MISTAKES THAT CAN HURT YOU IN YOUR 30S AND 40S FROM BALTIMORE WASHINGTON FINANCIAL ADVISORS Lawrence M. Post | CPA, MST, CFP®, CIMA® Senior Tax & Planning Advisor, BWFA and Tyler Kluge | CFP®, ChFEB℠, CPWA®, CDFA®, CEPS,  Financial Planner, BWFA About This Episode HOW TO DECIDE BETWEEN DEBT AND INVESTING Full Description Your 30s and 40s are often some of the busiest and most financially complex years of life. Careers are advancing, families may be growing, and financial responsibilities tend to increase. During this time, small missteps can quietly compound into larger challenges later on. In this episode of Healthy, Wealthy & Wise, the discussion focuses on common money mistakes people make in their 30s and 40s. Listeners will learn how competing priorities such as housing, childcare, education costs, and lifestyle choices can strain finances if not managed intentionally. The conversation highlights how delaying planning can be one of the most costly mistakes. Waiting to save, invest, or address protection needs often reduces flexibility later. This episode explains why building good habits earlier in these decades can make future decisions easier and less stressful. Another key theme is balance. Overextending on lifestyle upgrades, underestimating long-term goals, or neglecting foundational planning can all slow progress. The discussion emphasizes the importance of aligning spending with values and maintaining clarity around priorities. Listeners will also hear why financial mistakes during these years are common and understandable. Life moves quickly, and many decisions are made without full information. The goal is not perfection, but awareness. Recognizing potential pitfalls allows individuals to course-correct before long-term consequences set in. At BWFA, we help individuals and families navigate these pivotal years with thoughtful planning and guidance. This episode offers practical insight to help listeners make more informed financial decisions during their 30s and 40s. To learn more about building a financial plan that evolves with your life, visit BWFA's Financial Planning Services.

RELOCATING TOO QUICKLY IN RETIREMENT FROM BALTIMORE WASHINGTON FINANCIAL ADVISORS Lawrence M. Post | CPA, MST, CFP®, CIMA® Senior Tax & Planning Advisor, BWFA and Tyler Kluge | CFP®, ChFEB℠, CPWA®, CDFA®, CEPS,  Financial Planner, BWFA About This Episode Retirement withdrawals are more complex than many expect. Learn what often gets overlooked when turning savings into income. Full Description Saving for retirement is only part of the journey. Turning those savings into a reliable income requires careful planning and ongoing decision-making. Many retirees are surprised by how complex withdrawal strategies can be once retirement begins. In this episode of Healthy, Wealthy & Wise, the discussion focuses on what people are often not told about retirement withdrawal strategies. Listeners will learn why the order, timing, and source of withdrawals can significantly affect long-term outcomes. The episode explores how taxes, required distributions, and market conditions all influence retirement income planning. Without a clear strategy, withdrawals can unintentionally increase tax exposure or shorten the lifespan of a portfolio. The conversation also highlights why flexibility matters. Retirement plans are not static, and withdrawal strategies should evolve as circumstances change. Health needs, spending patterns, and market performance all play a role in shaping sustainable income. Listeners will gain insight into why a coordinated approach is essential. Withdrawal decisions should align with overall financial goals, not be made in isolation. This episode emphasizes the importance of planning and revisiting strategies regularly. At BWFA, we help retirees and pre-retirees build income strategies designed to support long-term confidence and adaptability. This episode provides a valuable perspective for anyone approaching or living in retirement. To learn more about retirement income planning, visit BWFA's Financial Planning Services.

ARE YOU BEING TOO SAFE WITH YOUR MONEY? FROM BALTIMORE WASHINGTON FINANCIAL ADVISORS Lawrence M. Post | CPA, MST, CFP®, CIMA® Senior Tax & Planning Advisor, BWFA and Tyler Kluge | CFP®, ChFEB℠, CPWA®, CDFA®, CEPS,  Financial Planner, BWFA About This Episode Relocating in retirement can be exciting, but moving without proper research can turn into a costly mistake. In this episode, BWFA's Sandy Hornor, Jr. and Tyler Kluge explain the risks of relocating too quickly—and how to make sure your next move supports both your lifestyle and your financial goals. Full Description Being cautious with money is often viewed as a strength. Avoiding risk, holding extra cash, and prioritizing security can provide peace of mind. However, being too conservative for too long can create challenges that are not always obvious at first. In this episode of Healthy, Wealthy & Wise, the discussion explores the hidden risks of being overly conservative with your finances. Listeners will learn how excessive caution can reduce growth potential and make it harder to keep pace with long-term goals. The episode explains how inflation, time, and opportunity cost can quietly erode purchasing power when money remains underutilized. While conservative strategies may feel safe in the short term, they can limit flexibility and options later in life. The conversation also emphasizes that risk is not one-size-fits-all. What feels appropriate at one stage of life may no longer support future needs. Understanding how risk tolerance, time horizon, and goals interact is critical when evaluating financial decisions. Listeners will gain insight into how thoughtful adjustments can improve balance without abandoning stability. Being strategic does not mean taking unnecessary risks. It means aligning decisions with long-term objectives while remaining adaptable as circumstances change. At BWFA, we help individuals and families strike the right balance between caution and opportunity. This episode encourages listeners to reassess whether their current approach supports where they want to go. To learn more about building a balanced financial plan, visit BWFA's Financial Planning Services.

Ready to grow your clientele & revenue? Download "The 20 Client Generators" PDF now and get instant access to strategies that will fill your calendar with potential clients. No complicated tech, no lengthy processes—just real strategies that work. https://info.patrigsby.com/20-client-generators Do you want to stop chasing leads and start attracting them instead? Get Instant Access To The Weekly Client Machine For Just $5.00! https://patrigsby.com/weeklyclientmachine Get Your FREE Copy of Pat's Fitness Entrepreneur Handbook! https://patrigsby.com/feh  --- 7 Steps to Becoming a Successful Business Owner In today's episode, we dive into the 'Wealthy Owner Path,' exploring the commonalities among successful business owners. Over the last year, we've seen remarkable achievements from our Boardroom and Project 500 participants. I'll walk you through seven universal steps to help you clarify your service, activate your assets, systemize operations, transition from operator to owner, focus on growth numbers, maintain consistency, and lead effectively. Whether you're a gym owner, sports performance business owner, or any business owner, these principles will guide you toward building a successful and sustainable business. 00:00 Introduction and Overview 00:10 Success Stories and Commonalities 01:32 Seven Steps to Success 01:42 Step 1: Clarity in Business 03:35 Step 2: Activating Existing Assets 05:18 Step 3: Systemizing Operations 07:07 Step 4: Embracing the Owner Role 08:36 Step 5: Focusing on Key Numbers 10:08 Step 6: Consistency in Marketing and Client Experience 11:17 Step 7: Leading the Business 14:01 Conclusion and Final Thoughts

Tune into the newest episode of our Energy Works Podcast, where science meets spirit to help you heal, energize, and thrive. In this episode, hosts Lauren and Blaine explore one of the most debated topics in longevity and wellness today: protein intake. With conflicting recommendations everywhere, how much protein is actually optimal for long-term health?They discuss opposing perspectives from leading longevity experts Dr. Valter Longo and Dr. Peter Attia, examining why protein recommendations vary so widely. The conversation highlights how protein needs change based on age, gender, activity level, and lifestyle, challenging the idea of one-size-fits-all nutrition. Blaine shares her personal experience navigating protein intake, muscle building, and wellness advice, emphasizing the importance of individualized guidance, self-awareness, and energy testing.This episode invites listeners to think beyond diet trends and biohacking extremes, offering a more nuanced, personalized approach to nutrition, longevity, and whole-body wellness. Tune in now wherever you get your podcasts!Chapters:00:00 Introduction 00:29 The Longevity Debate: Protein Intake 01:48 Dueling Perspectives: Dr. Valter Longo vs. Dr. Peter Attia 03:13 Personal Struggles with Protein Recommendations04:59 Blaine's Insights on Wellness and Protein07:10 The Complexity of Dietary Needs 24:02 The Role of Protein in Muscle and Bone Health 27:01 The Financial Incentives Behind Longevity 28:22 Longevity for the Wealthy vs. Everyone Else 30:51 The Debate on Protein and Exercise 31:52 Skepticism Towards Studies and Research 37:57 Personal Experience with Protein and Muscle Building 43:35 The Importance of Individualized Health Approaches48:28 Energy Testing and Intuition 50:51 ConclusionEpisode Resources:EMYoga Online Courses: https://emyoga.thinkific.com/collections/emyoga-coursesShop our EMYoga Store: https://emyogastore.com/Sign up for FREE weekly Newsletter: https://www.energymedicineyoga.net/Listen on Spotify: Energy WorksListen on Apple Podcasts: Energy WorksFollow us on Instagram: @EnergyMedicineYogaFollow us on Facebook: @EnergyMedicineYoga#EnergyMedicineYoga #EMYoga #EnergyWorksPodcast #WellnessPodcast #ProteinAndLongevity #LongevityWellness #PersonalizedNutrition #WomenInWellness 

URSULA'S TOP STORIES: Seahawks win! Impact of taxes and minimum wage increases // Should young people buy a home? // WE NEED TO TALK! CEO gives big bonuses

MAKING THE MOST OF A FINANCIAL WINDFALL FROM BALTIMORE WASHINGTON FINANCIAL ADVISORS with Thad Ismart | CFP®, ChFEBC, CEPS  Senior Financial Planner About This Episode Receiving a financial windfall can be exciting and overwhelming. Learn how to approach sudden wealth thoughtfully and avoid common missteps. Full Description A financial windfall can arrive in many forms, including an inheritance, bonus, business sale, or unexpected payout. While the influx of money may feel like an opportunity to act quickly, rushing decisions can often lead to regret. Taking time to plan is one of the most important steps after receiving a windfall. In this episode of Healthy, Wealthy & Wise, Thad Ismart, CFP®, ChFEBC, CEPS, discusses how to approach a financial windfall with clarity and intention. He explains why emotional reactions, whether excitement or anxiety, can cloud judgment and lead to decisions that do not align with long-term goals. The conversation emphasizes the value of pausing before making major moves. Creating short-term stability, understanding tax implications, and clarifying personal priorities all play a role in building a thoughtful plan. Rather than viewing a windfall as money that must be spent or invested immediately, Thad encourages listeners to see it as an opportunity to strengthen their overall financial foundation. Listeners will also learn why aligning a windfall with existing goals is essential. Whether the priority is reducing debt, saving for the future, supporting family, or increasing flexibility, a structured approach helps ensure the money is used intentionally. Planning also helps reduce the risk of lifestyle inflation and other common pitfalls that can erode the long-term value of sudden wealth. At BWFA, we help individuals integrate windfalls into a broader financial plan so short-term decisions support long-term confidence. With the right guidance, a windfall can become a meaningful step forward rather than a missed opportunity. To learn more about how windfalls fit into a comprehensive strategy, visit BWFA's Financial Planning page and explore how thoughtful planning can help you move forward with confidence.

The road to becoming wealthy is often associated with risk taking but preserving that wealth typically requires a very different approach. Donna and Nathan discuss the difficulty many investors experience when the time comes to shift from a high risk to a conservative investment strategy. Also, on MoneyTalk, planning with a five-year time horizon, and Stock Trivia: Battle of the Sowas. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®, CPWA®; Air Date: 12/18/2025; Original Air Date: 1/10/2023. Have a question for the hosts? Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!See omnystudio.com/listener for privacy information.

It's the end of 2025, so it's time to celebrate the year that was with a playlist containing the best extreme metal, hardcore punk and hard'n'heavy songs that wounded our ears over the last twelve months. Hail! (0:00) "Fight Back": WARBITCH - Summoned (1:27) "Incoming Mass Extinction": SACRIFICE - Volume Six (3:26) "Get Loud": ZIG ZAGS - Deadbeat At Dawn (7:04) "Mass Produced Hatred / Ruination": ULTIMATE DISASTER - For Progress ... (9:11) "Wrong Side of Desire": NIGHTHAWK - Six Three O (11:38) "L'Ere Du Calvere": BOMBARDEMENT - Dans La Fournaise (14:22) "What Lies Ahead": FRIGHTFUL - What Lies Ahead (19:16) "Even Though": HIGH MASTER - Road Man (22:53) "Resilience": SHATTER - DEny the Future (25:12) "Silencio": FUNERAL DAMAGE - Muerte (26:51) "Woven": WYTCH HAZEL - IV:Lamentations (31:37) "Need Is Greed": DEATH RATTLE - Otherworld (33:28) "Beyond the Thunder": TUMBA - Warfare Continues (35:33) "Hydra Cobra": THE GENERALS - The Devil You KNow (38:49) "Into the Abysmal Maw": NIVEOUS - Endless Snowfall (42:33) "nije zadnja": PLASTIKA - Sijamski Blizanac (44:12) "Kill the Idol": DESASTER - Kill All Idols (46:38) "Love Me Harder": RATTLESNAKES - Deeper Shades of Torment (51:10) "War System": INDUSTRIAL SUICIDE - Nepotism - Oligarchy of the Wealthy (51:56) "Deny, Defend, Depose": DISCOPS - The Choir of Bombs Sings Again (54:26)"Feral Dominion": VELMORTH - Feral Dominio

CLODIA: THE PALATINE MEDEA Colleague Emma Southon. The segment focuses on Clodia, a wealthy, independent woman and sister of Clodius. Cicero, feuding with her brother, attacks Clodia's reputation during the trial of Caelius. In his speech Pro Caelio, Cicero characterizes her as a "Palatine Medea" and a seductress to discredit her claims of attempted poisoning. Unable to speak in court, Clodia is silenced by Cicero's rhetorical assassination of her character. NUMBER 12

As resentment of the rich and powerful surges, billionaires and CEOs are using everything from secret trackers to full security squads to protect themselves and their families. See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Hey Friend Today I want to talk about a kind of wealth most of us never grew up hearing about. Not financial wealth… Not the kind you measure with a bank account… But the kind you feel in your soul. The kind of wealth that shows up as peace, space, rest, and the ability to breathe. What if true wealth isn't about money at all… but about margin? Margin in your schedule, your mind, your home, and your spirit. And what if the life you're longing for isn't waiting on a raise, or a better job, or a perfect season… but simply on creating room for joy again? Let's talk about that today. Most moms today aren't struggling with financial poverty, though some absolutely are. But almost every mom I talk to is struggling with overwhelm poverty.  Everyone is stressed out. No time. No energy. No quiet. No space to think. No space to breathe. And when there's no margin, even the simple parts of life feel heavy. Dinner feels like a mountain. Laundry feels impossible. Relationships feel squeezed. God feels distant, not because He moved, but because the noise drowned Him out. This is the poverty the world doesn't talk about. And this is the poverty Jesus came to lift us out of. When you look at Jesus' life, He never rushed & He didn't keep a tight schedule. He walked everywhere. He paused for people. He rested. He withdrew to quiet places. He said no to crowds so He could say yes to the Father. He lived with margin. If the Savior of the world wasn't in a hurry, maybe the pressure we feel to fill every minute isn't coming from God. Maybe it's coming from expectations we were never meant to carry. Margin is something you create, not something you find. And the beautiful thing?  You can build it right where you are, starting small. Margin looks like: • one simple system that gives you your evenings back • meals prepped in two hours once a week so dinner is never an emergency • choosing fewer commitments so you can be fully present • building rhythms instead of living in reaction mode Every bit of margin you create is like depositing peace into a bank account. Bit by bit, your life starts feeling lighter, calmer, more intentional. That's wealth. When your home gets simpler, your heart gets quieter. And in the quiet, you can hear God again. When dinner is already made, you're not cooking in survival mode, you have space for conversation, connection, prayer, laughter. This is where the real riches start showing up: peace in your home, joy in your relationships, clarity in your calling, and a deeper awareness of God's presence in the middle of everyday life. That is abundance. And no paycheck can buy it. I want to give you one small, doable step to start practicing margin: Pick one area of your week where you're always stressed… and create a simple system for it. Just one. If meals are the stress?  Try cooking once and eating all week. If mornings are chaotic?  Create a 10-minute evening reset to prepare for tomorrow. If your calendar feels loud?  Choose one thing to say no to this month. Small changes multiply and every bit of margin you create shifts your life toward peace. Friend, you deserve to live a life you actually enjoy. A Jesus-centered, peaceful, simple life isn't a luxury, it's part of the abundant life He promised. And it starts with margin. Not perfection. Not performance. Just space. Space to breathe. Space to hear God. Space to live.   Here is the link to the FREE NO spend challenge!  See you inside! https://stan.store/ClaimingSimplicity   ~Monica  

Money is a tool to help you express what is most meaningful to you. People who have a good relationship with money typically have a deep sense of purpose. Today, Paul and Evan have a conversation about how younger Americans report feeling a lower sense of purpose, how to get on the right track about what's most important to you, and how you can use money to help you live a meaningful life. Want to cut through the myths about retirement income and learn evidence-based strategies backed by over a century of data? Download our free Retirement Income Guide now at paulwinkler.com/relax and take the stress out of planning your retirement.

What if 2026 wasn't just "busy"… but actually healthy, profitable, and calm? In this episode, Dominic Rubino sits down with coach and business owner Ryan Hindmarsh to talk about how real contractors are building better lives and better businesses at the same time. You'll hear real stories from cabinet shops, millwork shops, and trades businesses who: • Delegated low-value work and finally had time to look after their health • Planned vacations first so the year doesn't disappear on them • Grew revenue by ~30% with a simple builder-outreach plan • Booked the biggest jobs in company history because systems and SOPs were ready • Used weekly rhythms (money, sales, planning) to keep every part of the business moving • Chose a "word of the year" like THRIVING to guide decisions • Joined in a water project that turns likes/comments into clean drinking water in Nicaragua

It's time for our 2025 Solstice Special! The party has a sweet cozy time on the Solstice where absolutely nothing goes wrong. Just kidding. The CK would never let that happen! Vons feels a little stiff. Jyessi gets an unenviable designation. Wealthy faces an old foe. Check us out online! We're at https://www.primaryattribute.com

In this ABCI Book Club session, I sat down with my team, clients, and fellow consultants to talk about The Wealthy Consultant by Taylor Welch—and why it struck a nerve for so many of us. What started as a book discussion quickly turned into a very real conversation about charismatic founders, growth bottlenecks, and [...]

885. Laura answers a listener's questions about how to find a trustworthy financial advisor and give a young child financial freedom.Find a transcript here. Have a money question? Send an email to money@quickanddirtytips.com or leave a voicemail at (302) 364-0308.Find Money Girl on Facebook and Twitter, or subscribe to the newsletter for more personal finance tips.Money Girl is a part of Quick and Dirty Tips.Links:https://www.quickanddirtytips.com/https://www.quickanddirtytips.com/money-girl-newsletterhttps://www.facebook.com/MoneyGirlQDT Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode, I'm breaking down the biggest counter-intuitive mistakes that even seasoned investors make,  mistakes I've made myself.These are the things people believe will make them money, but actually cost them millions over time. Tune in to learn:The biggest mistakes that smart, experienced investors makeWhy what feels sophisticated often loses money in the long runThe three L's of the advisory industryA juicy and unusual take on cryptoTwo common investing strategies you've been taught and why doing the opposite makes more money

What if paying massive taxes every year wasn't inevitable and what if the wealthiest families in America were playing an entirely different game than you were taught? In this episode of Grow Your Business & Grow Your Wealth, Gary Heldt sits down with Mark Miller, CEO of Hilton Tax & Wealth Advisors and Manager of the Hilton Family Office. With nearly four decades of experience, Mark pulls back the curtain on how elite families legally reduce taxes, protect capital, and grow generational wealth. Mark explains why most business owners unknowingly overpay taxes, why traditional financial planning often fails to meet the needs of high earners, and how real tax planning is a forward-looking strategy, not a year-end scramble. He shares the personal story that changed his entire career when a single strategy saved him over half a million dollars in taxes and ultimately moved him into a zero tax bracket. This conversation is a must-listen for business owners, executives, and six-figure earners who want to stop leaving money on the table and start thinking like an American dynasty. Key Takeaways→ Why most CPAs focus on compliance, not proactive tax planning→ The difference between retail investing and smart money strategies→ How layered tax strategies outperform one-time deductions→ Why buying assets for write-offs is not real tax mitigation→ How wealthy families prioritize safety, patience, and long-term planning→ How institutional-level tax and investment strategies are now accessible to business owners→ Why tax planning must happen before December 31, not after About the GuestMark Miller, RFC, is CEO of Hilton Tax & Wealth Advisors and Manager of the Hilton Family Office. With nearly 40 years of experience, Mark helps business owners and executives legally reduce taxes, maximize deductions, and structure wealth for long term growth and legacy preservation. His strategies mirror those used by Fortune 500 firms and elite families, including the Hiltons. Audience GiftMark is offering listeners a complimentary copy of his book, including Hilton Wealth: How to Invest Like an American Dynasty and The Tax Free Business Owner. Connect with Mark→ Website: https://www.hiltonwealth.com/→ LinkedIn: Mark Miller  https://www.linkedin.com/in/markmiller-hiltonfo/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Wanna be wealthy and deeply feminine in 2026? This episode gives you the exact blueprint.I break down the three seasons of feminine healing, the emotional patterns driving female ambition, and the identity shifts required for sustainable wealth, healthy relationships, and effortless magnetism.Inside this episode, we dive into:Why you're a high-achieving womanThe 3 feminine transformation seasonsHow to enter your soft CEO Era2023–2025 - my inner growth recapMy monk mode protocol for 2026How to create wealth without hustleThe real emotional work behind feminine leadershipFoundations to become THE MAGNETIC WOMAN—If you're an ambitious woman ready to make more money, heal deeper, embody your feminine, and step into your next level… This episode is your roadmap.Cuz here's the truth, babe: wealth and femininity are not opposites — they amplify each other when your identity, nervous system, and lifestyle align. Because wealth isn't created through hustle anymore. Not for women like us. Not for women with ambition, depth, softness, and standards.2026 belongs to the women who lead with identity, nervous system capacity, emotional intelligence, and feminine magnetism.So today, I'm taking you through the exact inner work, outer work, and identity shifts I've made over the last 4 years — the ones that are setting me up for my biggest and softest year yet. So babe, grab your cacao or matcha, and a journal because you're going to want to implement these strategies so you can enter 2026 as a feminine baddie! —READY TO STEP INTO YOUR NEXT CHAPTER IN 2026?CLAIM YOUR SPECIAL – MY BIRTHDAY GIFT TO YOUDOWNLOAD MY BRAND NEW FREE GUIDE ON THIS PAGEReady to become The Magnetic Woman who attracts effortlessly in 2026 & save $$$ as an early bird? CLAIM YOUR SPOT IN MY BRAND NEW, EXCLUSIVE MASTERMIND EXPERIENCE HERE! —In this episode, I discuss: 01:10 - Intro to the episode - how to become wealthy and feminine in 202608:15 - A little life update - recent lessons, insights, realizations I embody now21:15 - Misconceptions about manifestation, alignment, and feminine energy29:00 - How to be magnetic and attract good things, even when life is life-ing31:15 - An uncomfortable truth: our drives get shaped during our childhood 36:00 - My turning point: explosive growth, burnout, and betrayal38:40 - The 3 seasons of feminine healing 43:25 - My monk mode protocol Similar Episode: Episode 148 - How to stop self-sabotaging and step into your power: boundaries, flow & nervous system healingConnect with Laura: Laura's Website: https://www.lauraherde.com/Laura's Instagram: https://www.instagram.com/laura.herde/Laura's 1-1 Coaching: https://www.lauraherde.com/application-1-1Laura's Coaching Certification Course: https://www.instagram.com/embodiedcoachacademy/>> EMAIL ME TO CONNECT/ FOR QUESTIONS: hello@lauraherde.com>> FOLLOW ME ON INSTAGRAM: @laura.herde Feel free to share this episode with your bestie, and tag us on IG when you listen so we can repost you!Make sure to be subscribed to UNFUCK YOUR LIFE, we publish episodes every single Tuesday.Thank you so much for tuning in, love xx

HOW TO MAKE YOUR SAVINGS WORK HARDER FROM BALTIMORE WASHINGTON FINANCIAL ADVISORS with Thad Ismart | CFP®, ChFEBC, CEPS  Senior Financial Planner About This Episode Saving money is only the first step. Learn how to make your savings work more efficiently toward your long-term financial goals. Full Description Saving money is an important habit, but where and how you save can make just as much of a difference as how much you set aside. Many people work hard to build savings, only to leave those dollars sitting idle or earning less than they could over time. In this episode of Healthy, Wealthy & Wise, the conversation focuses on how to make your savings work harder without taking unnecessary risks. The discussion explores common places people hold cash, such as checking accounts, traditional savings accounts, and short-term vehicles, and explains why some options may limit long-term progress when used incorrectly. Listeners will learn how aligning savings with specific goals can improve results. Emergency funds, near-term expenses, and long-term objectives all serve different purposes and should be treated differently. This episode highlights why a one-size-fits-all approach to saving often falls short and how thoughtful planning can help improve efficiency. The episode also addresses the impact of inflation on savings and why earning a return that keeps pace with rising costs matters over time. Small adjustments, such as reviewing account types, time horizons, and risk tolerance, can significantly influence outcomes without requiring drastic changes. Rather than chasing quick wins or complicated strategies, this discussion emphasizes clarity, discipline, and intentional decision-making. Making your savings work harder is not about doing more. It is about doing the right things with the money you already have. To learn more about how savings fit into a comprehensive financial plan, visit BWFA's Financial Planning visit BWFA's Financial Planning page and explore how thoughtful planning can help you move forward with confidence.

...ทักษะการเงิน = ทักษะการเอาตัวรอด ...วิชาการเงินอะไรที่เราควรรู้ แต่โรงเรียนอาจไม่เคยสอนมาก่อน ...แล้วใครควรเป็นคนสอน ‘เรื่องเงิน' ในโรงเรียน? พูดคุยกับ พี่แวว แววตา ปราชญ์เมธีกุล นักวางแผนการเงิน CFP® และผู้ก่อตั้ง บลน. ยูเนี่ยน เว็ลธ์ จำกัด ติดตามรายการ Wealthy No หนี้ กับ ซิน ภัณฑิรา แจงวาณิชย์ #WealthMeUp #ให้เงินทำงาน #WealthyNoหนี้

THE MARRIAGE OF PETER STRONG AND MARY STEVENS Colleague Barbara Weisberg. Weisbergintroduces the marriage of Peter Strong and Mary Stevens, scions of wealthy New York families. Despite a storybook beginning, they move to Peter's mother's estate in Queens to secure his inheritance. This arrangement isolates Mary, who must live among her in-laws rather than in her own home. NUMBER 5

If you want to save on taxes in April, your tax strategy actually has to begin the year prior. On today's show, Mark Kohler from KKOS Lawyers is back on the show to share critical end-of-year tax moves you can make NOW to pay less in taxes. Mark is a nationally-recognized CPA and attorney who is on a mission to help small business owners–including real estate investors–succeed.  On this episode, you're going to learn about everything from employing your family members to setting up tax advantaged accounts like an HSA. Mark is also sharing details about the Big Beautiful Bill, retirement accounts, and more. Whether you're a W-2 employee or an entrepreneur, Mark is bringing high level tips you can use to lower your tax bill! 

This is season 5. In this episode, Mike Charleston is joined with his wife Sarah. Mike discusses something he started working on in college. Once you get saved, it should change your prospective on life, but what does that look like? In terms of money, there is a lot of talk about prosperity, but by just changing your worldview, should you be prospering? Elisabeth asks questions to Mike and Sarah. Sarah has her song of the week.If you want to ask a question or make a comment:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Talk@fellowshipofbelievers.org⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Or record a voice message⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://anchor.fm/mike-charleston/messag⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Sarah's new book⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠"You Can Run in Flip-Flops, But Is That the Best Way"⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Check out the website at⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.fellowshipofbelievers.org⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠To watch Every Step go here:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.youtube.com/watch?v=Eh8dX0VUPJw&t=s&ab_channel=RebekahCharleston⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Subscribe on⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Or watch it here ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Find the show on:Apple, Spotify, Anchor, Breaker, Google, Pocket Cast, RadioPublic, Audible, and now on YouTube

  ECONOMIC SLOWDOWN AND CONSUMER SPENDING Colleague Gene Marks, The Guardian. Gene Marksreports on a US economic slowdown, citing contracting architectural billings and falling hotel occupancy. He notes that while the wealthy continue spending, the middle class is cutting back on dining out. Marks attributes inflation to government money circulation and discusses proposals for mandated retirement contributions. NUMBER 15

THE AUTONOMOUS MIDDLE CLASS AS THE REPUBLIC'S FOUNDATION Colleague Victor Davis Hanson. Victor Davis Hanson argues that a stable republic relies on an autonomous middle class, which serves as a buffer between the wealthy and the dependent poor. Drawing on classical history, he warns that modern policies are "hollowing out" this class, creating a peasantry dependent on the state for survival, illustrated by government campaigns depicting adults in a state of perpetual adolescence and reliance. He contends that high taxes and regulations in places like California are driving this productive class away, leaving behind a stratified society of the very rich and the subsidized poor. NUMBER 1

APPIUS CLAUDIUS CAECUS: INFRASTRUCTURE AND POLITICAL GENIUS Colleague Professor Edward J. Watts. Appius Claudius Caecus transformed the Roman censorship office into a power base by building the Appian Way and appointing wealthy Italians to the Senate. As a blind elder statesman, he shamed the Senate into rejecting peace with Pyrrhus, insisting Rome must fight to maintain its dominance and ancestral legacy. NUMBER 10 1450 VIRGIL READING THE AENEID

PREVIEW Guest: Professor Ed Watts Summary: Professor Watts details the historical inevitability of conflict between Rome and Carthage, driven by Mediterranean geography and control over trade routes between the wealthy East and resource-rich West. He explains how Rome's expansion into Sicily threatened Carthage's commercial dominance, a fate symbolized by the death of Dido. 1900 CARTHAGE