Podcasts about wealthy

Most investors chase returns. Wealthy investors chase what they keep. In this powerful episode, Vinney Chopra breaks down why taxes—not returns—are the real battlefield for high earners, and how sophisticated investors legally compound wealth using the tax code. You'll learn how strategies like cost segregation, bonus and accelerated depreciation, smart leverage, and 1031 exchanges allow investors to generate real cash flow while reporting paper losses. Vinney explains why cash flow from Day One isn't luck or aggression—it's intentional underwriting, operational excellence, and intelligent structuring, especially in hospitality and commercial real estate. This episode also dives into: Why banks prefer lending to wealthy investors How leverage becomes a tool (not a risk) when used correctly Why idle cash quietly loses purchasing power How traditional 401(k)s may be limiting your wealth potential Why prepared investors will move faster—and smarter—in 2026 How off-market hotel deals, lender workouts, and operational turnarounds create outsized upside If you're a high-income professional, accredited investor, or business owner who pays too much in taxes and wants quiet, tax-efficient wealth, this episode will change how you think about investing. Want to see how these strategies may work for you?Book a complimentary 20-minute strategy call with Vinney (Smile

Dr Boyce Watkins breaks down the difference between the wealthy vs broke mindset.

We are officially in 2026, and this is one of the most important episodes I've ever recorded.I'm recapping what actually happened in the markets in 2025 and sharing how I'm thinking about investing in 2026 - especially as AI continues to transform everything.Tune in to learn:What actually happened in the markets in 2025, including key stats and winnersWhy 2026 is going to be a huge year for investorsThe impact of AI and why it's going to be transformationalHow to win as a woman investor in the next few yearsHow to approach investing in 2026 without fear or guesswork

Today, I'm sitting down with Larry Walshe, founder of Larry Walshe Studios, a global event design firm producing large-scale, luxury weddings and private events for ultra-high-net-worth families, celebrities, and royal households. While Larry's roots are in floristry, his work goes far beyond flowers. His studio designs fully customized experiences—shaping the creative vision, transforming spaces, and defining how guests experience an event—while bringing together specialized artisans from around the world to execute complex, high-stakes productions. In this episode, Larry breaks down what it actually takes to build and protect a premium brand at the top end of the market, how he orchestrates massive productions with a small team, and why learning to say no early was essential to attracting the right clients and scaling without lowering the bar. If you're building a service business or premium brand and want a clearer sense of what it takes to operate at the highest level, this conversation offers a grounded look at how that kind of work actually gets done.   Key Takeaways 00:00 Intro 00:55 Why Saying No Builds a Luxury Brand 03:28 Don't Chase Revenue That Dilutes Your Brand 07:08 Consistency Is the Real Competitive Edge 08:20 Why High-End Clients Pay 10X More 13:07 Defining the Client You Actually Want 17:24 How to Shift Into a Higher-Paying Client Category 19:37 Inside Multimillion-Dollar Events 22:10 Running Global Operations With a Small Team 26:23 Becoming the Creative Director, Not the Doer 33:01 Managing Clients Who Want the Wrong Thing 35:03 The Sales Approach That Works at the Top End 40:02 When to Walk Away From Work 45:04 Handling Last-Second Client Demands 52:00 The Non-Negotiable's of Elite Client Work 57:15 Larry's Advice for Founders Moving Upmarket     Watch on YouTube: https://youtu.be/kmYqmgFjDIM     Let's Connect: Website | Instagram | YouTube | TikTok | Twitter | Facebook

Welcome back to The Cashflow Project! In this episode, we're joined by Patrick Grimes—founder of Passive Investing Mastery, Amazon bestselling author, and Forbes Council contributor. Patrick shares his journey from robotics engineering to building a highly diversified portfolio across real estate, energy, litigation finance, commercial lending, and other alternative investments. Patrick explains why true diversification goes beyond stocks and real estate, and how sophisticated investors reduce risk through non-correlated assets in industries like medical and legal services. He breaks down his process-driven investment philosophy and highlights lesser-known opportunities most investors overlook. Whether you're a high-earning professional, W2 employee, or investor looking to future-proof your wealth, this episode offers practical insights into alternative investing and building resilience in any market cycle. Tune in to learn how to grow and protect your wealth—even during economic uncertainty. [00:00] "From Tech to Real Estate" [04:24] "From Lockdown to Lanikai" [08:08] "True Non-Correlated Alternatives Explained" [12:13] "Investing Education and Accessibility" [13:29] "Exploring Alternative Investment Opportunities" [16:03] Legal Funding: Risk and Reward [22:09] "Overcoming Analysis Paralysis" [23:00] "Cross-Functional Team Collaboration" [27:44] "Sharing Insights Through Education" [29:27] "Legacy, Time, and Fire Round" [33:54] "Lessons in Balance and Diversification" [37:07] "New Medical & Investing Opportunities" [39:55] "Join, Connect, Like & Share" Connect with Patrick Grimes! Website LinkedIn Books Connect with The Cashflow Project! Website LinkedIn YouTube Facebook Instagram

Most people treat taxes like an unavoidable expense. The wealthy treat them like a strategy. In this episode, I break down how high net worth individuals and families legally and ethically use taxes to build wealth instead of losing it. We walk through the mindset shift, the incentives built into the tax code, and the four biggest strategies the wealthy use to lower their effective tax rates while compounding assets. This is not about loopholes or shortcuts. It is about understanding how the system works and using it intentionally. If you are tired of reacting to taxes and want to start planning ahead, this episode is your starting point. Episode Timeline and Highlights 00:00 Why taxes are a blueprint not a bill 01:15 The mindset difference between classes 03:00 Why the tax code rewards behavior 04:20 Business ownership and pre tax strategies 06:40 Depreciation explained simply 08:30 Real estate and tax efficiency 10:20 Proactive planning versus reaction 12:00 DIY or delegate 13:30 How to start using the system Key Takeaways • Taxes are an incentive system • Ownership changes how you are taxed • Depreciation creates real advantages • Real estate compounds wealth and tax efficiency • Planning ahead reduces stress and taxes • Education is the real advantage Quotables "The wealthy do not fear taxes. They design around them." "Taxes are not the enemy. Ignorance is." "Playing offense with money starts with understanding the rules." Closing If this episode gave you clarity, share it with someone still paying taxes blindly. You do not need to cheat. You do not need to be ultra rich. You just need to learn the system and use it intentionally.

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Teri Williams. President & COO (and owner) of OneUnited Bank, from Money Making Conversations Masterclass: Purpose of the Interview The interview aimed to: Showcase OneUnited Bank’s role as the largest Black-owned bank and its commitment to financial empowerment. Educate listeners on digital banking solutions, financial literacy, and generational wealth strategies. Promote OneUnited Bank’s services and initiatives, including its youth financial literacy contest and “One Transaction” wealth-building concept. Key Takeaways Origins & Growth of OneUnited Bank Started as a community bank in Boston, later acquired four Black-owned banks (Miami, LA, Boston) and merged into OneUnited. Became the first Black-owned digital bank and now serves customers nationwide. Digital Banking & Accessibility Customers can open accounts online in minutes. Features include: Mobile check deposit (take a photo of your check). Direct deposit with early pay (up to 2 days early, no fees). Largest surcharge-free ATM network (100,000 ATMs, including Walgreens, 7-Eleven, Chase, Citibank). Combatting Financial Deserts Addresses lack of brick-and-mortar banks in Black communities and reliance on predatory check-cashing services. Emphasizes that check-cashing services never improve credit scores and often harm financial health. Financial Literacy & Wealth Building Advocates automatic savings as a key wealth-building habit. Introduced WiseOne, a tool that aggregates financial data to: Track net worth, income, expenses. Identify duplicate charges and suggest savings. Provide debt-reduction strategies. Youth Financial Literacy Initiative “I Got Bank” Contest for ages 8–12: Read a financial literacy book (free download available). Submit an essay or artwork on what they learned. 10 winners receive $1,000 savings accounts. One Transaction Concept Six key transactions to build generational wealth: Homeownership (OneUnited offers $25K–$50K down payment assistance). Life Insurance (affordable way to transfer wealth). Investments (automatic contributions). Profitable Business (entrepreneurship or side gigs). Credit Score Improvement. Savings (automatic transfers). Focus on one transaction at a time for sustainable progress. Economic Advice for Uncertain Times Anticipates stagflation (inflation + rising unemployment). Recommendations: Hold on to your job (avoid unnecessary job changes). Save more, spend less. Notable Quotes “We were the first Black-owned digital bank—and now the largest Black-owned bank in the country.” “Check cashers only report to credit bureaus when you don’t pay them. That’s crazy.” “If it goes in your pocket, you’re more likely to spend it. Wealthy people automate savings.” “One transaction can make the difference between being wealthy or not.” “We have the largest surcharge-free ATM network in the country—100,000 ATMs.” “Hold on to your job. Start saving more and spending less.” #SHMS #STRAW #BESTSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Teri Williams. President & COO (and owner) of OneUnited Bank, from Money Making Conversations Masterclass: Purpose of the Interview The interview aimed to: Showcase OneUnited Bank’s role as the largest Black-owned bank and its commitment to financial empowerment. Educate listeners on digital banking solutions, financial literacy, and generational wealth strategies. Promote OneUnited Bank’s services and initiatives, including its youth financial literacy contest and “One Transaction” wealth-building concept. Key Takeaways Origins & Growth of OneUnited Bank Started as a community bank in Boston, later acquired four Black-owned banks (Miami, LA, Boston) and merged into OneUnited. Became the first Black-owned digital bank and now serves customers nationwide. Digital Banking & Accessibility Customers can open accounts online in minutes. Features include: Mobile check deposit (take a photo of your check). Direct deposit with early pay (up to 2 days early, no fees). Largest surcharge-free ATM network (100,000 ATMs, including Walgreens, 7-Eleven, Chase, Citibank). Combatting Financial Deserts Addresses lack of brick-and-mortar banks in Black communities and reliance on predatory check-cashing services. Emphasizes that check-cashing services never improve credit scores and often harm financial health. Financial Literacy & Wealth Building Advocates automatic savings as a key wealth-building habit. Introduced WiseOne, a tool that aggregates financial data to: Track net worth, income, expenses. Identify duplicate charges and suggest savings. Provide debt-reduction strategies. Youth Financial Literacy Initiative “I Got Bank” Contest for ages 8–12: Read a financial literacy book (free download available). Submit an essay or artwork on what they learned. 10 winners receive $1,000 savings accounts. One Transaction Concept Six key transactions to build generational wealth: Homeownership (OneUnited offers $25K–$50K down payment assistance). Life Insurance (affordable way to transfer wealth). Investments (automatic contributions). Profitable Business (entrepreneurship or side gigs). Credit Score Improvement. Savings (automatic transfers). Focus on one transaction at a time for sustainable progress. Economic Advice for Uncertain Times Anticipates stagflation (inflation + rising unemployment). Recommendations: Hold on to your job (avoid unnecessary job changes). Save more, spend less. Notable Quotes “We were the first Black-owned digital bank—and now the largest Black-owned bank in the country.” “Check cashers only report to credit bureaus when you don’t pay them. That’s crazy.” “If it goes in your pocket, you’re more likely to spend it. Wealthy people automate savings.” “One transaction can make the difference between being wealthy or not.” “We have the largest surcharge-free ATM network in the country—100,000 ATMs.” “Hold on to your job. Start saving more and spending less.” #SHMS #STRAW #BESTSee omnystudio.com/listener for privacy information.

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Teri Williams. President & COO (and owner) of OneUnited Bank, from Money Making Conversations Masterclass: Purpose of the Interview The interview aimed to: Showcase OneUnited Bank’s role as the largest Black-owned bank and its commitment to financial empowerment. Educate listeners on digital banking solutions, financial literacy, and generational wealth strategies. Promote OneUnited Bank’s services and initiatives, including its youth financial literacy contest and “One Transaction” wealth-building concept. Key Takeaways Origins & Growth of OneUnited Bank Started as a community bank in Boston, later acquired four Black-owned banks (Miami, LA, Boston) and merged into OneUnited. Became the first Black-owned digital bank and now serves customers nationwide. Digital Banking & Accessibility Customers can open accounts online in minutes. Features include: Mobile check deposit (take a photo of your check). Direct deposit with early pay (up to 2 days early, no fees). Largest surcharge-free ATM network (100,000 ATMs, including Walgreens, 7-Eleven, Chase, Citibank). Combatting Financial Deserts Addresses lack of brick-and-mortar banks in Black communities and reliance on predatory check-cashing services. Emphasizes that check-cashing services never improve credit scores and often harm financial health. Financial Literacy & Wealth Building Advocates automatic savings as a key wealth-building habit. Introduced WiseOne, a tool that aggregates financial data to: Track net worth, income, expenses. Identify duplicate charges and suggest savings. Provide debt-reduction strategies. Youth Financial Literacy Initiative “I Got Bank” Contest for ages 8–12: Read a financial literacy book (free download available). Submit an essay or artwork on what they learned. 10 winners receive $1,000 savings accounts. One Transaction Concept Six key transactions to build generational wealth: Homeownership (OneUnited offers $25K–$50K down payment assistance). Life Insurance (affordable way to transfer wealth). Investments (automatic contributions). Profitable Business (entrepreneurship or side gigs). Credit Score Improvement. Savings (automatic transfers). Focus on one transaction at a time for sustainable progress. Economic Advice for Uncertain Times Anticipates stagflation (inflation + rising unemployment). Recommendations: Hold on to your job (avoid unnecessary job changes). Save more, spend less. Notable Quotes “We were the first Black-owned digital bank—and now the largest Black-owned bank in the country.” “Check cashers only report to credit bureaus when you don’t pay them. That’s crazy.” “If it goes in your pocket, you’re more likely to spend it. Wealthy people automate savings.” “One transaction can make the difference between being wealthy or not.” “We have the largest surcharge-free ATM network in the country—100,000 ATMs.” “Hold on to your job. Start saving more and spending less.” #SHMS #STRAW #BESTSteve Harvey Morning Show Online: http://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Dr Boyce explains the habits of wealthy black families.

Join me at the 2026 Goal-setting Workshop here - jjlaughlin.com/2026goalsIn this episode of Lead On Purpose, I sit down with Chris Naugle to unpack why money feels awkward for so many people, and how to shift from scarcity and stress into clarity and control.What we cover:Why money feels scarce, and how wealth starts with creation and solving other people's problemsRich vs wealthy, and why looking successful often means living on credit and giving it all backGiving as a practical money habit, including Chris's “donation letters” exercise to rewire abundanceThe “be your own bank” concept, and how to recapture interest and recycle cash flow instead of feeding banksInvesting and big purchases through a new lens, only back what you understand, avoid chasing high returns, and treat cars like a system not an expenseIf you've ever earned well but still felt behind, anxious about money, or unsure why it never seems to stick, this episode will fundamentally change how you think about money and how you use it.Learn more about Chris here - https://www.chrisnaugle.comConnect with Chris on IG here - https://www.instagram.com/thechrisnaugle/Grab a copy of Chris' book here - https://www.chrisnaugle.com/book/Watch Chris' videos on YT here - https://www.youtube.com/@TheChrisNaugle/videosIf you're interested in having me deliver a keynote or workshop for your team contact Caroline at caroline@jjlaughlin.comWebsite: https://www.jjlaughlin.com YouTube: https://www.youtube.com/channel/UC6GETJbxpgulYcYc6QAKLHA Facebook: https://www.facebook.com/JamesLaughlinOfficial Instagram: https://www.instagram.com/jameslaughlinofficial/ Apple Podcast: https://podcasts.apple.com/nz/podcast/life-on-purpose-with-james-laughlin/id1547874035 Spotify: https://open.spotify.com/show/3WBElxcvhCHtJWBac3nOlF?si=hotcGzHVRACeAx4GvybVOQ LinkedIn: https://www.linkedin.com/in/jameslaughlincoaching/James Laughlin is a High Performance Leadership Coach, Former 7-Time World Champion, Host of the Lead On Purpose Podcast and an Executive Coach to high performers and leaders. James is based in Christchurch, New Zealand.Send me a personal text messageJoin me at the 2026 Goal-setting Workshop here - jjlaughlin.com/2026goals - If you're interested in booking me for a keynote or workshop, contact Caroline at caroline@jjlaughlin.comSupport the show

In this episode of the Wealthy & Well Podcast, I'm sharing the five lessons from my 36th year that quietly changed how I approach growth, healing, leadership, and expansion not through hustle or reinvention, but by slowing down enough to actually listen. In this episode, we explore: Why the urge to move faster is often a nervous system response and how to tell when urgency isn't intuition What it actually means when your body knows before your mind does (and how to tell if you've been overriding that knowing) Why waiting until you “feel ready” might be the most socially acceptable way to stay stuck The uncomfortable truth about clients, boundaries, and leadership and why some businesses feel heavier than others How focusing on one person can create more momentum than chasing visibility, growth, or reach A subtle but powerful bonus shift that alone can change how expansion feels in your body Connect with Kat: Come say hi on Instagram HERE Join Your Wealthiest Year HERE Apply to High Level Mentorship in the Flourish Mastermind HERE

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Pastor Dexter Jenkins. Purpose of the Interview The interview aimed to educate and inspire listeners about wealth creation through real estate and financial literacy, particularly for individuals over 50. Pastor Jenkins shared strategies for building generational wealth, shifting mindsets about money, and leveraging real estate as a primary tool for financial independence. Key Takeaways Intersection of Faith, Finance, and BusinessPastor Jenkins emphasizes that faith and financial success are not mutually exclusive. He advocates using biblical principles as a success manual, especially from Proverbs. Real Estate as “Low-Hanging Fruit” for WealthReal estate is one of the simplest and most effective ways to build wealth because land is finite and historically valuable. Mindset Over MoneyWealth building starts with changing beliefs about money. Many misconceptions learned in childhood or church need to be unlearned. Refire, Don’t RetireFor those over 50, Jenkins encourages leveraging life experience to create new income streams instead of slowing down. Social Security Reality CheckThe average Social Security check (~$1,400/month) is insufficient for most Americans, highlighting the need for personal wealth strategies. The SHIP Method Stewardship: Direct your money intentionally. Ownership: Own assets that appreciate and generate cash flow. Entrepreneurship: Consider business ownership as a wealth-building tool. Education Before ActionStart with learning—books, podcasts, seminars—before diving into real estate or other ventures. Community Wealth BuildingJenkins supports initiatives like “buying back the block” to revitalize neighborhoods and build collective wealth. Secrets to SuccessDesire, planning, education, and execution are essential. Dreams without plans remain dreams. Upcoming ResourcesJenkins is releasing a book: The Real Estate Wealth Creation Blueprint, offering practical steps for using real estate to build wealth. Notable Quotes “Real estate is the lowest hanging fruit on the wealth creation tree.” “People came here to work the land—now it’s time for us to own it.” “It’s not time to retire; it’s time to refire.” “Social Security was designed for a different era. You can’t live on $1,400 a month in America.” “The Bible is more than religion—it’s a success manual.” “If you don’t have a desire for wealth, we can talk all day and nothing will change.” “Stewardship, Ownership, Entrepreneurship—those are the pillars of wealth.” #SHMS #STRAW #BESTSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Pastor Dexter Jenkins. Purpose of the Interview The interview aimed to educate and inspire listeners about wealth creation through real estate and financial literacy, particularly for individuals over 50. Pastor Jenkins shared strategies for building generational wealth, shifting mindsets about money, and leveraging real estate as a primary tool for financial independence. Key Takeaways Intersection of Faith, Finance, and BusinessPastor Jenkins emphasizes that faith and financial success are not mutually exclusive. He advocates using biblical principles as a success manual, especially from Proverbs. Real Estate as “Low-Hanging Fruit” for WealthReal estate is one of the simplest and most effective ways to build wealth because land is finite and historically valuable. Mindset Over MoneyWealth building starts with changing beliefs about money. Many misconceptions learned in childhood or church need to be unlearned. Refire, Don’t RetireFor those over 50, Jenkins encourages leveraging life experience to create new income streams instead of slowing down. Social Security Reality CheckThe average Social Security check (~$1,400/month) is insufficient for most Americans, highlighting the need for personal wealth strategies. The SHIP Method Stewardship: Direct your money intentionally. Ownership: Own assets that appreciate and generate cash flow. Entrepreneurship: Consider business ownership as a wealth-building tool. Education Before ActionStart with learning—books, podcasts, seminars—before diving into real estate or other ventures. Community Wealth BuildingJenkins supports initiatives like “buying back the block” to revitalize neighborhoods and build collective wealth. Secrets to SuccessDesire, planning, education, and execution are essential. Dreams without plans remain dreams. Upcoming ResourcesJenkins is releasing a book: The Real Estate Wealth Creation Blueprint, offering practical steps for using real estate to build wealth. Notable Quotes “Real estate is the lowest hanging fruit on the wealth creation tree.” “People came here to work the land—now it’s time for us to own it.” “It’s not time to retire; it’s time to refire.” “Social Security was designed for a different era. You can’t live on $1,400 a month in America.” “The Bible is more than religion—it’s a success manual.” “If you don’t have a desire for wealth, we can talk all day and nothing will change.” “Stewardship, Ownership, Entrepreneurship—those are the pillars of wealth.” #SHMS #STRAW #BESTSee omnystudio.com/listener for privacy information.

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Pastor Dexter Jenkins. Purpose of the Interview The interview aimed to educate and inspire listeners about wealth creation through real estate and financial literacy, particularly for individuals over 50. Pastor Jenkins shared strategies for building generational wealth, shifting mindsets about money, and leveraging real estate as a primary tool for financial independence. Key Takeaways Intersection of Faith, Finance, and BusinessPastor Jenkins emphasizes that faith and financial success are not mutually exclusive. He advocates using biblical principles as a success manual, especially from Proverbs. Real Estate as “Low-Hanging Fruit” for WealthReal estate is one of the simplest and most effective ways to build wealth because land is finite and historically valuable. Mindset Over MoneyWealth building starts with changing beliefs about money. Many misconceptions learned in childhood or church need to be unlearned. Refire, Don’t RetireFor those over 50, Jenkins encourages leveraging life experience to create new income streams instead of slowing down. Social Security Reality CheckThe average Social Security check (~$1,400/month) is insufficient for most Americans, highlighting the need for personal wealth strategies. The SHIP Method Stewardship: Direct your money intentionally. Ownership: Own assets that appreciate and generate cash flow. Entrepreneurship: Consider business ownership as a wealth-building tool. Education Before ActionStart with learning—books, podcasts, seminars—before diving into real estate or other ventures. Community Wealth BuildingJenkins supports initiatives like “buying back the block” to revitalize neighborhoods and build collective wealth. Secrets to SuccessDesire, planning, education, and execution are essential. Dreams without plans remain dreams. Upcoming ResourcesJenkins is releasing a book: The Real Estate Wealth Creation Blueprint, offering practical steps for using real estate to build wealth. Notable Quotes “Real estate is the lowest hanging fruit on the wealth creation tree.” “People came here to work the land—now it’s time for us to own it.” “It’s not time to retire; it’s time to refire.” “Social Security was designed for a different era. You can’t live on $1,400 a month in America.” “The Bible is more than religion—it’s a success manual.” “If you don’t have a desire for wealth, we can talk all day and nothing will change.” “Stewardship, Ownership, Entrepreneurship—those are the pillars of wealth.” #SHMS #STRAW #BESTSteve Harvey Morning Show Online: http://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Are you curious about the way ultra-rich people think and grow their wealth? In this episode, Garrett Gunderson, author of What Would the Rockefellers Do?, joins Cameron Christiansen and Anthony Faso to discuss how the wealthy think differently about money and how to design a fulfilling life.  Unlike conventional wisdom, the Rockefellers didn't rely on chasing high rates of return but focused on keeping money in motion. Garrett dives into the philosophy of investing in people, particularly the next generation, and how financial intelligence, emotional intelligence, and wealth-building strategies align with family legacy creation. Learn how the Rockefellers set up family offices, structured trusts, and built lasting wealth by thinking in terms of generations, not years. With insights into creating a lasting legacy, this episode explores the importance of shifting from the traditional retirement mindset to one focused on purpose, value creation, and financial freedom. If you're looking to take control of your wealth and create a legacy for your heirs, this episode is for you. In This Episode: - A culture that's obsessed with retiring early  - The danger of chasing financial freedom without a purpose - Understanding the Rockefeller mindset: Why the wealthy think differently - Garrett's insights on how to create a legacy for your heirs - Practical steps to implement the Rockefeller wealth-building philosophy - How the Rockefellers use family offices and trusts to protect wealth - How to tap into your skills to create more value  - Garrett's most cherished accomplishment   Resources: 

Most people work their entire lives chasing money, but lack to drive to actually obtain it.In this event, I break down how the wealthiest people activate true freedom by converting relationship capital into real capital, and how they develop the instinct to move toward opportunity instead of hesitation.You'll see why money, time, work, and relationships create anxiety for most people, and how elite performers eliminate those constraints by operating with Prey Drive.Chapters:0:00 - Building Wealth0:31 - Coach Micheal Burt0:42 - Anxiety Causes1:40 - Financial Freedom2:21 - What I Want To Do3:08 - Being Tough Enough3:43 - Finding Daylight4:12 - Like and Subscribe________________________________Get connected with Coach Burt:Instagram - https://www.instagram.com/michealburtTikTok - https://www.tiktok.com/@therealcoachburtFacebook - https://www.facebook.com/CoachMichealBurtLinkedIn - https://www.linkedin.com/in/michealburtDive deeper with Coach and his concepts:Free PreyDrive Planner: https://planner.coachburt.com/plannerEvents: https://www.thegreatnessfactory.com/eventsJoin Our Group Coaching: https://www.thegreatnessfactory.com/membershipHire Me To Speak: https://www.coachburt.com/bookcoachCheck Out My Books: https://books.coachburt.com/books

#677: Happy New Year! We're kicking off 2026 with a reality check on where your money stands right now. The Good News: Gas prices dropped below $3/gallon. Inflation cooled to 2.7%. The Fed cut rates again. GDP grew 4.3% (surprisingly strong). Gold hit $4,500 an ounce. And 19 states raised minimum wages. The Not-So-Good: Health insurance jumped 10-18%. Unemployment ticked up. Mortgage rates are stuck around 6.2%. And 80% of homeowners are unlikely to sell because they locked in rates below 6%. The Big Picture: The stock market is outperforming the economy. How It Affects You: I call it "millionaire malaise." Your 401k looks great. Your home equity is through the roof (no pun intended). If you bought before 2022, your assets look good on paper. Yet you're stressed out at the grocery store. Everything costs more – insurance, groceries, everything except gas. Jobs are stagnant. People are stuck. We're experiencing the difference between wealth and income. This is 2026: Wealthy on paper. Broke at the checkout line. Whether you're new to money management or a long-timer looking for clarity, this episode cuts through the noise to tell you what actually matters for your finances this year. Download the free resource: AffordAnything.com/financialgoals Learn more about your ad choices. Visit podcastchoices.com/adchoices

FAMINE AND FLIGHT TO FREEDOM Colleague Mark Clifford, The Troublemaker. Jimmy Lai was born into a wealthy family that lost everything to the Communist revolution, forcing his father to flee to Hong Kong while his mother endured labor camps. Left behind, Lai survived as a child laborer during a devastating famine where he was perpetually hungry. A chance encounter with a traveler who gave him a chocolate bar inspired him to escape to Hong Kong, the "land of chocolate," stowing away on a boat at age twelve. NUMBER 9 1920 WAYMO

David Chilton, author of The Wealthy Barber and one of Canada's most influential voices on personal finance, joins Doug Hoyes on Debt Free in 30 for an extra special double–long episode. Doug and David dig into the issues Canadians are struggling with most: the true cost of inflation, a "K-shaped" economy, housing affordability, rising student debt, the growing gap between financial knowledge and financial discipline, and more.  Subscribe to Debt Free Digest Newsletter – Don't Miss The Chance To Win a Copy of The Wealthy Barber Buy the Wealthy Barber on Indigo Buy the Wealthy Barber Audiobook The Wealthy Barber – David Chilton's Web Page 00:00 – David Chilton on the updated Wealthy Barber book 02:27 – Why storytelling works for personal finance (and how he tested it) 06:52 – TFSA vs RRSP: how to decide in real life 15:21 – Financial literacy vs discipline in today's economy 18:29 – "K-shaped" Canada: who's thriving and who's squeezed 21:27 – First steps: debt payoff vs RRSP match priorities 22:54 – Spending summaries vs budgets: the method that actually changes behaviour 34:29 – Housing affordability, down payments, and parental help 38:06 – Gambling, meme stocks, crypto: a fast-growing driver of debt trouble 55:16 – Hope and next steps: learning money basics + building side income Need Help With Debt? If debt is keeping you up at night, you don't have to endure forever. Talking to a Licensed Insolvency Trustee isn't about filing sooner — it's about understanding your options and reducing stress. Learn more at:  https://www.hoyes.com Disclaimer: The information provided in the Debt Free in 30 Podcast is for entertainment and informational purposes only and is not intended as personal financial advice. Individual financial situations vary and may require personal guidance from a financial professional. The views expressed in this episode do not necessarily reflect the opinions of Hoyes, Michalos & Associates, or any other affiliated organizations. We do not endorse or guarantee the effectiveness of any specific financial institutions, strategies, or digital tools/apps discussed.

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...

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.

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.

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.

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.

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.

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.

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.

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

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.

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.

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.

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 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.

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.

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.

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.

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.

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 

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

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  

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.

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