You’ve inherited your fathers financial prowess

No. I wouldn’t pay on that kind of policy for anyone. If he lives another 30 years, you’d be on the hook for over $115k. Alternatively, if you invested that $315/mo instead, you’d conservatively have ~$315k after 30 years (6% return). 

I wouldn’t take over the policy payments for any less than 100%. Even then… I still probably wouldn’t take it over. 

This isn't _fun_ but you also don't have a ton of fat to cut. You're honestly doing pretty well! Things that will help:

* Your kid getting older and getting potty-trained and onto solid food
* Daycare ending with school
* Student loans being paid off (one day).

As you can see, "just waiting" is actually going to give you a _huge_ boost. That's not short-term helpful but it's also more-or-less guaranteed. You're spending 1/4 of your income in daycare _alone_; if somebody said to me "You'll get a 25% pay raise in 5 years" I'd be _delighted_.

It also sounds like you have more than one student loan payment. If at all possible, try to put any extra money (hah, I know, i know) toward the one you can pay off fastest, to free that money up for other expenses.

In the short to medium term, I'd suggest focusing on increasing your income: Raises, promotions, new jobs. Fortunately/unfortunately, it looks like you're already making a lot of good frugal choices with your limited income - so the best thing to do is 'just' make more money, rather than looking for ways to cut costs when few exist.

SWE 10 out of 10 times. Why would you not get a head start to work on relevant skills? 

By the time you manage an internal transfer and that’s saying a lot, the SWE on the alternative universe is closing in on a senior level.

1. Dust off your resume and start applying to other places NOW. 
2. Start looking at information for filing for unemployment.  Different states have different requirements.  You may be able to apply now, or you might have to wait until November 15th.  Find out. 
3. Start peeling back discretionary expenses (eating out, subscriptions, hair appointments or other non-neccesities) 
4. Find out the specifics about your health insurance.  If you haven't done annual checkups, get those scheduled now. Also find out about coverage options after Nov 15th.


If you had the foresight to build an emergency fund, this is what it's for. 

Just because something’s already built doesn’t mean it’s built well or built with the right features for specific niches. If you can’t be first, be vertical.

is that income just your income?

you and your spouse combined income?

First of all, good job. 100k at 25 is great.

I suspect 45k in checking + HYSA is more than you need. You could probably tolerate a lower HYSA balance (call that X), in which case, the first thing you should do is start maxing your 401k. If that starts to draw down the HYSA, then once it hits X, reduce your 401k contribution such that your HYSA will stay at X.

Tech may be saturated but tech in non-profit organizations is not, try universities or hospitals its relatively easy to get in

I know who you are, you posted a very similar post a few days ago here under a different name.: https://www.reddit.com/r/Entrepreneur/comments/1f8lzkt/what_are_your_favorite_ai_startups_in_2024_here/?ref=share&ref_source=link

You posted it before that as well under a different username but I don't have a link to it. Stop promoting your app(s) in disguise.

The big question is always how the companies see QA.


If there is no good culture about this, they won't give you opportunities to evolve and move (as they will always see you as an inferior QA).


I would not take a manual QA role if your goal is SWD.


SDET roles are more inclined to sharpen your coding skills and naturally should be able to contribute to the product.

32 is young. I wish I had done it then. I went back when I was 40. I remember sitting in a live class with college freshman, this was biology for science majors which I needed for my degree. The professor asked us to introduce ourselves. So I stood up and introduced myself by saying my name and then I said, "Let's just get this out of the way. Yes, I'm old enough to be your dad. Yes, my hair is mostly gray. (Took my cap off) I'm also going bald on top. Yes, we can still have some fun learning together." The kids and the professor (who was also younger than me) all laughed. 

Finished when I was 45. Found a good mentor in my first post college role. Worked in the industry for a few years. Now? That mentor I found? We're partners in a business in our industry together.

Forklift mechanic. 

A few years ago the company I worked at had a policy that all women, unless you were disqualified for something like not being able to drive, automatically got interviewed. 

The pay will absolutely be over 50, they train, give you a take home vehicle, and will start you off easy and let you build your skills over time. There’s plenty of work, so you can start with oil changes and finding a broken wire while the more experienced people do the really hard stuff.

Look into crown forklifts. They’re actually a good company who cares about their people. They even have a tool loan to help you get started, and something like 8 training centers around the country. 

I used them to launch my second career, worked my way into cranes, and have more than doubled my pay in about 5 years.

Huggingface.co Replicate.com Some tech bloggers and model builders who help me stay up-to-date with the latest applications of AI technology.

>What do I do right now before anything else? What is a good plan of action?

* Right now you call and start the unemployment benefit process
* Update your resume
* Contact your professional network, let them know you are looking for a job
* Determine who would be good references
* Your full time job now is to look for your next job, every day for a significant number of hours
* Cut your expenses
* Delay purchases
* Determine how you will get and pay for healthcare. Consider COBRA.
* Figure out if you can get a student loan deferral, if necessary

Tech is 100% oversaturated, 100,000s of layoffs, a recession, inconsistent, job growth. Go to r/ITCareerQuestions  you will see the pain. If you still do it, get specialized

Is there a big purchase planned for that 40k, or is that just how much you need in cash to feel safe? I suspect that's a bigger pile of cash than you need. You could live off that for a bit instead of your paychecks and divert extra into your 401k until the cash pile is more reasonable.

I get that people want unique businesses that they can make billions in, but for the most part, business needs competition in order to innovate.

Just came across an app called TrendsCritical. It's basically a Gen-AI tool that uses upvotes to help validate trends based on user input. There's also a "co-create trend" feature where you can pitch your own ideas and get feedback or find collaborators. I've been using it to test out my ideas and see if they really have potential

I started back when I was 29. Now up for my 3rd degree. Make sure you don't lose sight of your social life. I did and it can get quite lonely.

If you're serious and know how to plan you will be fine studying and working. But you have to really want it.

Using a classic vanilla stack mostly. Python, PHP, HTML, CSS, JS

I went back to college at 28 full-time, which was a little intimidating. It turned out to be a great experience. Night classes are the way to go if you don't want to feel like the oldest student. Many people are in the same boat, trying to get ahead. During the day, it's mostly younger students, which is still alright and certainly will give you a different perspective. My S-I-L went back to school in her 30s, but she took only online courses, which I don't recommend. Some are good, like anthropology, but for a business degree, you want to be around your fellow students and learn from/with them. I envy you. I'd love to go back for my master's. Good luck.

Title. Pretty wild, I'm seeing some companies basically offering half as much as they used to before and still getting hundreds of applicants. 

Anyone else notice that salaries have dropped quite significantly across the board?

https://youtu.be/v4T1oknATGU?si=MS4IEFprcrxuh5wq

Do you guys think Warren Buffett can really do it?
50% annual return on small capital?

Warren Buffett said he can get a 50% annual return if he is managing small sum of money, do you think it's possible?

Some people claimed that his method of value investing with huge yearly returns and low risks wouldn't work in today's era because information spreads too fast due to Internet. And some people just claims stocks thats 50% undervalued just don't exist in the current market.

What do you guys think? And if it's possible, how are we going to take advantage of it?

Warren Buffett said he can get a 50% annual return if he is managing small sum of money, do you think it's possible?

Just as the title says. My dad died in 2018. He had a severe form of dementia and my dysfunctional family members kept me away from him until just before he died. We had the closest relationship until he got sick. So, I assumed my family was keeping me away from while in his illness so they could receive any money he had. I expected nothing from his death, financially speaking. I was just happy to have time to say goodbye to him when he was dying. I expected NO money.



Six years later, I received a check in the mail for what was left AFTER the County got done with probate (he died with no will -- a long story in which my most crooked brother tried to write a trust for him which was never approved). As the money was split five ways (the four kids plus the County's share and some lawyer's fees) the amount I received was just under 100K.



I live in California. Can anyone tell me if they believe I need to pay taxes on this check? I also wonder if this will affect my health insurance (as I pay based on income).



Any advice would be greatly appreciated. TIA!

Dad died intestate. Six years later I received unexpected money. Do I owe taxes?

There are so many posts on here about not finding anything after sending out thousands of applications which I found very discouraging while I was searching.  Really gave me a sense of dread and hopelessness.

Just wanted to share that I did successfully land a job at a non FAANG company doing standard CRUD work for 160K a year in a MCOL area in a language I'm not familiar with.  \[Python\]

They had a reasonable interview process, no leet code.  They evaluated me on my experience, and a take home project to write in python.  I presented the project in person and they made me an offer, full well knowing my background is in Java not Python.

Am I lucky?  Maybe... but just keep looking because you, me, and everyone else have no idea what is in store for you at YOUR next interview.

Just a positive post:  I got a job with after applying to only 5 different places.

My retirement date is 202 days away, but if I subtract out weekends (58 days), vacation days I have accrued (22 days), remote work days (1 every two weeks, 15 total), and holidays (7 days), that leaves only 100 more days I have to actually come in to the office! 

I just ran the numbers and realized that I only have 100 in-office days left before I retire

Did anyone else have a difficult time getting their spouse on board with FIRE? I am in my late twenties. I have always managed my money very well. Bought a house with half the price as the down payment at 20. Found out about FIRE and immediately knew this is what I wanted. I have always been driven so I started making huge strides. By the next year I had the house paid off and my FIRE projection was 38 years old. 

Then I fell in love- and I don't see FIRE in our future. 

We had talked about finances before getting married and he seemed on board with FIRE- I guess just not the same FIRE path. 5 years later, we no longer live in the  paid off house- we moved out of state and I didn't want a rental to manage. I've made so many compromises that eventually end in him just getting his way, and I just lost my spark for FIRE. Our expenses are up, our income is down, and our new savings are nonexistent. I still have the 40k from before invested, but without current contributions, my goal of 38 is unattainable.
The things we do for love. 

We don't struggle to make ends meet but I don't want to wait until 62 to live my life freely. How do I get my spouse to realize the importance of FIRE? Or how do I start my own progress toward FIRE when we have combined finances? 

On track to FIRE- then I got married. 

I just turned 38 and my net worth is 100k between my retirement and HYSA. I make around 60k a year with no debt and a credit card I pay off every month. I have a comfortable living situation so I'm able contribute more to retirement than some I suppose.

The thing is I was browsing this reddit and I now feel incredibly behind.

Thoughts?

EDIT- *I should have clarified the split. Retirement is around 40k and HYSA is around 70k, so around 110k net worth in general.  I earn about 4.5% on my HYSA. I wish my retirement was 100k but luckily I'm in a situation where I can aggressively contribute a sizable portion of my salary to retirement for a while.* 

Curious. I'm 38, Net worth is 100k. Mostly Retirement and HYSA. How behind am I? 

Hello everyone, as the title suggests I’m thinking about living with my patents for a few years to accumulate some wealth while I’m young. As of now, I’m actually a first year student in engineering but I just wanted to plan my finances ahead of time. I was thinking if I’m making decent money in my field, If theres anything wrong with staying with them and trying to save as much as possible, I’d be helping with bills and other expenses. 

Secondly, if this situation was to work out and I was saving good money, should I save for a car or house first? 

Thanks for the advice! 

Is living with my parents and accumulating wealth over a couple of years a good idea

So far I've built a weather app, a chess game, and I'm working on a Twitter clone. Are any of these good? To be honest I chose these projects because they genuinely interested me but I'm wondering if I can even put these on a resume.

Any advice?

What are some example of impressive projects that employers would like?

Basically, I maxed out 3 credit cards for a total of $20k (explanation below if you’re curious how that happened). I’ve never missed a payment and will definitely be able to pay them all off. How badly is this history going to hurt me in the future for potential mortgages, student/car loans, etc.?

Back story: I got hit with a bunch of crazy expenses (vehicle maintenance, flooded apartment, etc.) when I didn’t have a good job back to back to back. I had to put it on credit cards because I was essentially living paycheck to paycheck at the time. 

I transferred my credit balance to a 0% APR card 3 different times. So essentially I had 3 maxed out credit cards totaling to about $20k. I now make $3k more than my living expenses so I’ll be okay, but I know that is not a good track record to have. 

How bad is a history of maxed credit cards if you never missed a payment? 

Basically it's a bullshit excuse. 

I failed on my first startup ( A clothing brand ) just by listening to some social media guru. It was a huge failure. It was my first side hustle though.. 
The next biggest setback was the pandemic. My father's family restaurant went on downhill. He had to shut it down. It was pretty long and unexpected days with zero foot traffic and profits which we couldn't overcome for nearly 18 months. It was nearly impossible to keep the restaurant running. That experience was really tough, but it taught me a lot about bouncing back and adapting. I’m taking those lessons into my new projects, learning from what went wrong, and pushing ahead.

So, I was working 6 years in sales and marketing in different industries (FMCG, Pharmaceuticals, Banking, Food Safety). 

**So Last year took a career break and started my Bachelor's in IT.**

Meanwhile I started to learn digital marketing and coding. Last month I started building A digital marketing agency, got 2 clients (Small but promising clients) i also figured out 3 proven ideas with significant market potential through simple integrations and solutions. (Pharmaceutical, Food and Agriculture)

I've started coding em too. Planning to release those SaaS by December. If they go wrong at least I have a feeling that at least i can use em as my final project or building a portfolio. 
Wish me luck 🙂

I can definitely say that, you can find any proven idea.. and just do it differently.. the success lies in how you execute and differentiate your approach. There's always room for improvement and new angles, even in a crowded space... Keep pushing forward, my aspiring entrepreneurs 💪 

"Every business idea is taken" 

Hi all, I’m on track to hit $100k net worth by next year when I turn 25. Right now I’m at $70k
- $40k HYSA
- $5k Checking
- $7k Robinhood
- $16k Roth IRA
- $3k 401k I know i need to contribute more to this and am beginning to do so

I know this will be a huge milestone so looking for tips to get this moving and how to get compounding going

Hitting $100k at 25

Title is meant to be *living* not loving haha.

Context: This breakdown is for myself, my wife and little one.

Monthly take home income: $4900
Expenses:
- Mortgage: $1343 (apartments are more expensive in my area)
- Daycare: $1240 (Cheapest in area)
- Internet: $40
- Cellphone: $128.50 (About to pay off phones)
- Car Insurance: $138 
- Utilities: $150
- Subscriptions: $25
- Student Loans: $410 (biggest portion is private)
- Groceries: $500
- Gas: $100 (my wife and I carpool)
- Cat supplies: $80 (for 4 cats)
- Formula and Diapers: $400
- Misc (baby items, toiletries, unforseen expenses/repairs, non monthly expense): $200-300


Any advice is appreciated! Thank you!

Edit: Thank you for the advice! Sounds like the best route based on your responses will be to increase income through switching jobs.

How to stop loving paycheck to paycheck

As an entrepreneur/founder, time is probably your most important resource and I am constantly exploring tools and workflows that save me and my team time. 

Curious what are your favorite tools that help you save time in 2024? Here are my top 5.

1. **Persana**: Persana's is an AI that helps me automate outbound sales

2. **Spinach**: Spinach  is an AI that automatically  takes notes and action items from team meetings

3. **Wosily**: Wosily's AI help us publish blogs relevant to our customers on auto pilot increasing our SEO

4. **Cursor**: Cursor helps me write code 10x faster

5. **Playground**: Playground uses AI to make design & editing a breeze

  
Did miss your favorite one? LMK in comments :)

What Are Your Must-Have Tools to Save Time as an Entrepreneur?

Edit: Thank you all for the responses. To add some details, the cash value was burned to $0 a decade or two ago before he went bankrupt so the courts wouldn't take all the cash value. I'm unsure what todays cash value is, but it's not an accumulation of 36 years worth of payments. Also, he is type 1 diabetic, and not in the best health. He can still run around and do physical labor, but neuropathy is starting to get to his feet and he is not active about preventing further effects of diabetes on his health (he was raised in a Christian Science household, for those familiar). The policy is Universal. Thank you again for the responses thus far.

The other day my father texted me, my cousin, my niece, and my aunt saying he can no longer afford his $315 monthly life insurance policy and asked if we could split it moving forward, or if anyone could take it on fully. We are the 4 beneficiaries of his $450,000 policy. He is 59 years old and type 1 diabetic.

My aunt immediately backed out, said she did not want to pay. My cousin said he could not pay. My niece texted and considered splitting the payment with me so long as my father renegotiates the payout to be more in our favor.

I'm considering just taking on the payment fully. My dad would hate to see it get canceled since he has been paying monthly for it since he got it when he was 23 years old. He said if I take it on fully, he will make my payout better. 

Right now it is $125k me, $125k my cousin, $125k my niece, and 75k my aunt. It would emotionally be very hard for him to short change my cousin and my niece because their mom did a lot to help him out while she was alive, so I think he feels like he owes the kids. 

I'm contemplating what I should consider when deciding whether to keep this policy alive or not. I feel like I should get a substantial amount more if I'm keeping the policy alive, but I don't know how much. I could split it with my niece, but I'm financially much more secure than she is, and if at some point she has to back out it seems like it could get messy figuring out how to divvy up the payout. Looking for advice on what to consider here, and how much I should be asking for from the payout if I were the sole individual keeping it alive. 

Thanks in advance for any suggestions, this is a difficult decision and conversation to have with my father because it's quite emotionally backed because he feels like he owes all 4 beneficiaries a piece of the pie and I know renegotiating terms that puts any one person in a significantly larger payout (say something like 300/50/50/50) it would be a difficult conversation to have with him. 

Should I take on my father’s life insurance policy so it doesn’t get cancelled?

Title. End goal is FAANG SWE. I heard internal transfers are not easy at Apple.

This will be for new grad, and my first full-time experience. I have 4 SWE internships, one of those at F500 and another at recognizable name that’s legacy tech (e.g. Yahoo, Nokia, etc.).

Apple QA or SWE at recognizable name but not prestigious company?

I'm curious about how tech stacks and tools you all stay ahead of the curve and discover new trends to capitalize upon. 

Whether it's for starting a new business, or personal interests, what are your go-to platforms, apps, or services for spotting what's next?

Do you rely on social media monitoring tools, data analysis platforms, trend forecasting services, or something else entirely? How do you filter through the noise to find genuinely promising trends?

Looking forward to hearing your insights and suggestions!

What tech stacks do you use to stay on top of emerging trends?

Going back to college at 32

Don’t really have anyone to tell, but I have decided that if I want a better life & pay that finishing my Business Degree gives me the best opportunity. I have been with the same company for the last 11 years in a sales related role. I am going to stick it out here another year or so and save money while continuing to live with my parents rent free. It’s not where I want to be in life and after screwing off the last 12 years spending all my commission checks thinking that a downturn like this would never happen has led me to this. Going to finish what I can at community college (have 48 credit hours) and then transfer to an online program so that I can continue to work and hopefully have very little or zero debt upon finishing. I have a girlfriend who just started her graduate degree at 30 and she has inspired me to get this done. I like to think I will be an excellent candidate for employment once I do finish. 11+ years with the same company in a B2B role and a Bachelors Degree. I’m still nervous about starting and juggling work, school and life, but I have a fear of getting older and never finishing, so why not get old while finishing my degree? Again, I don’t really have anyone to talk to about this outside of my girlfriend so I’m telling my fellow Redditors! 

Can I get some encouragement? Going back to school at 32

I got laid off today from my job as an Insurance Adjuster. This was by far the best job I've ever had. My employment officially ends November 15th of this year. I do have severance, however I've never had to deal with this so idk how it works. I live in MA, 32 years old. 

The positive side if there is one, is that I live alone, pay rent, and only have my dog to support, so there's no risk to other people. However  this is still devastating to me as I thought I was going to get promoted. 

What do I do right now before anything else? What is a good plan of action? My mind is going in 20 different directions. I have student loans to pay, private and federal, and a car payment. 

I appreciate any help.

Laid Off - What do I do?

I'm looking for a job/trade that can make atleast $50k per year and the training  or schooling can be done in 2 years or less. I'm not a huge peoples person but im willing to step out of my comfort zone because I know I'm a Lil behind. 

I currently wfh on a contract position for local health insurance in SC. I previously went to tech school for computer technology n cybersecurity but I didn't finish. I wouldn't mind getting into tech but it seems like every one is saying tech is over saturated and it's hard to find a job.

Trade or job that makes atleast 50k for a woman?

Join us as we watch Arthur chase away everyone he loves and die completely nameless!  Sources: Empire of Pain (By Patrick Radden Keefe)  https://en.wikipedia.org/wiki/Arthur_M._Sackler Work hours https://www.nytimes.com/1973/08/16/archives/us-acts-to-curb-2-tranquilizers.html Valium and Librium are scheduled narcotics now 

Join us as we watch Arthur chase away everyone he loves and die completely nameless! Sources: Empire of Pain (By Patrick Radden Keefe) <a href="https://en.wikipedia.org/wiki/Arthur_M._Sackler" rel="nofollow">https://en.wikipedia.org/wiki/Arthur_M._Sackler</a> Work hours <a href="https://www.nytimes.com/1973/08/16/archives/us-acts-to-curb-2-tranquilizers.html" rel="nofollow">https://www.nytimes.com/1973/08/16/archives/us-acts-to-curb-2-tranquilizers.html</a> Valium and Librium are scheduled narcotics now

Arthur Sackler Part II: So You Started an Addiction Epidemic and Got Away With It

#539: An anonymous caller feels trapped. She owes $100,000 in back taxes on earnings she had to give up as a result of a lawsuit with her former business partner. What should she do?  Saul and his wife want to retire in Mexico but they don’t want to give up the ability to continue investing in US stocks. Can they buy a primary residence that doubles as a short-term rental?  Nina and her partner are eager to start a $500,000 renovation on their home but they’re still three years away from saving enough. How can they bridge the gap without risking too much?  Former financial planner Joe Saul-Sehy and I tackle these three questions in today’s episode.  Enjoy!  P.S. Got a question? Leave it at https://affordanything.com/voicemail  For more information, visit the show notes at https://affordanything.com/episode539 Learn more about your ad choices. Visit podcastchoices.com/adchoices

#539: An anonymous caller feels trapped. She owes $100,000 in back taxes on earnings she had to give up as a result of a lawsuit with her former business partner. What should she do? Saul and his wife want to retire in Mexico but they don’t want to give up the ability to continue investing in US stocks. Can they buy a primary residence that doubles as a short-term rental? Nina and her partner are eager to start a $500,000 renovation on their home but they’re still three years away from saving enough. How can they bridge the gap without risking too much? Former financial planner Joe Saul-Sehy and I tackle these three questions in today’s episode. Enjoy! P.S. Got a question? Leave it at https://affordanything.com/voicemail For more information, visit the show notes at <a href="https://affordanything.com/episode539" rel="nofollow">https://affordanything.com/episode539</a> Learn more about your ad choices. Visit <a href="https://podcastchoices.com/adchoices" rel="nofollow">podcastchoices.com/adchoices</a>

Ask Paula: Escaping a $100K Tax Nightmare

In this episode, Steve and Travis discuss the impact of the media on our perception of current events and how it can influence our financial decisions. They highlight the framing techniques used by the media to shape our understanding of issues and the biases that can be present. They also provide examples of how the media has portrayed presidential candidates in the past and the negative tone often used in news coverage. The hosts emphasize the importance of being aware of these influences and taking a rational approach to financial decision-making.Episode References:State University of New York - https://courses.lumenlearning.com/atd-monroecc-americangovernment/chapter/the-impact-of-the-media/ Harvard Kennedy School – Shorenstein Center - https://shorensteincenter.org/patterson-2020-election-coverage/ Brookings Edu - https://www.brookings.edu/articles/is-the-economic-news-becoming-more-negative-and-does-it-matter-for-consumers/ ________________________________________________________________Join our Skool Community at https://www.skool.com/ditch-the-suits-9234. You can interact with us, ask questions and get additional resources.Thanks to our sponsor, S.E.E.D. Planning Group! S.E.E.D. is a fee-only financial planning firm with a fiduciary obligation to put your best interest first. Schedule your free discovery meeting at www.seedpg.comYou can watch all episodes, as well as other great content produced by NQR Media through their YouTube channel at https://youtube.com/@NQRMedia📧 For more information or to get in touch with us, visit https://www.ditchthesuits.com👍🏼 You can also follow us on Facebook, Instagram and Twitter at @nqrmedia______________________________________________________________About Your Co-Hosts:Travis Maus has been in financial services for over fifteen years. He is a Senior Wealth Manager and Chief Executive Officer at S.E.E.D. Planning Group.Steve Campbell has over a decade of experience in the industry and serves as Chief Brand Officer at S.E.E.D. Planning Group.

In this episode, Steve and Travis discuss the impact of the media on our perception of current events and how it can influence our financial decisions. They highlight the framing techniques used by the media to shape our understanding of issues and the biases that can be present. They also provide examples of how the media has portrayed presidential candidates in the past and the negative tone often used in news coverage. The hosts emphasize the importance of being aware of these influences and taking a rational approach to financial decision-making.Episode References:<ol><li>State University of New York - <a href="https://courses.lumenlearning.com/atd-monroecc-americangovernment/chapter/the-impact-of-the-media/" rel="nofollow">https://courses.lumenlearning.com/atd-monroecc-americangovernment/chapter/the-impact-of-the-media/</a> </li><li>Harvard Kennedy School – Shorenstein Center - <a href="https://shorensteincenter.org/patterson-2020-election-coverage/" rel="nofollow">https://shorensteincenter.org/patterson-2020-election-coverage/</a> </li><li>Brookings Edu - <a href="https://www.brookings.edu/articles/is-the-economic-news-becoming-more-negative-and-does-it-matter-for-consumers/" rel="nofollow">https://www.brookings.edu/articles/is-the-economic-news-becoming-more-negative-and-does-it-matter-for-consumers/</a> </li></ol> ________________________________________________________________Join our Skool Community at <a href="https://www.skool.com/ditch-the-suits-9234" rel="nofollow">https://www.skool.com/ditch-the-suits-9234</a>. You can interact with us, ask questions and get additional resources.Thanks to our sponsor, S.E.E.D. Planning Group! S.E.E.D. is a fee-only financial planning firm with a fiduciary obligation to put your best interest first. Schedule your free discovery meeting at <a href="https://www.seedpg.com/" rel="nofollow">www.seedpg.com</a> You can watch all episodes, as well as other great content produced by NQR Media through their YouTube channel at <a href="https://youtube.com/&#64;NQRMedia" rel="nofollow">https://youtube.com/&#64;NQRMedia</a> &#x1f4e7; For more information or to get in touch with us, visit <a href="https://www.ditchthesuits.com/" rel="nofollow">https://www.ditchthesuits.com</a> &#x1f44d;&#x1f3fc; You can also follow us on Facebook, Instagram and Twitter at &#64;nqrmedia ______________________________________________________________ About Your Co-Hosts: Travis Maus has been in financial services for over fifteen years. He is a Senior Wealth Manager and Chief Executive Officer at S.E.E.D. Planning Group. Steve Campbell has over a decade of experience in the industry and serves as Chief Brand Officer at S.E.E.D. Planning Group.

How the Media Uses Politics, Social Issues, and Market Volatility Against Us.

This week's episode is special because it marks the launch of a new Colossus show: Glue Guys. My guests this week are the hosts of the new show, Shane Battier, Alex Smith, and Ravi Gupta. Shane, Ravi, and Alex’s stories are remarkable. Each has been at the very top of their profession. Shane as an NCAA and NBA champion. Alex as the first pick in the NFL draft, 3 time-pro bowler, and 16-year NFL veteran. Ravi as a leader at KKR, and then as a critical leader turning around & building Instacart, and now as a partner at Sequoia. But those parts of their stories pale in comparison to the stories you’ll hear on Glue Guys.  Glue Guys is an unfolding manual for HOW to be a professional, a teammate, a leader, and even a friend and family member. In this episode of ILtB, we explore the general concept of glue guys—the people who are obsessed with helping the team win, whether they are the leader or newest member of the team. Please enjoy this conversation with Shane, Alex, and Ravi.  Subscribe to Glue Guys!  For the full show notes, transcript, and links to mentioned content, check out the episode page here. ----- This episode is brought to you by Ridgeline. Ridgeline has built a complete, real-time, modern operating system for investment managers. It handles trading, portfolio management, compliance, customer reporting, and much more through an all-in-one real-time cloud platform. I think this platform will become the standard for investment managers, and if you run an investing firm, I highly recommend you find time to speak with them. Head to ridgelineapps.com to learn more about the platform. — This episode is brought to you by Tegus, where we're changing the game in investment research. Step away from outdated, inefficient methods and into the future with our platform, proudly hosting over 100,000 transcripts – with over 25,000 transcripts added just this year alone. Our platform grows eight times faster and adds twice as much monthly content as our competitors, putting us at the forefront of the industry. Plus, with 75% of private market transcripts available exclusively on Tegus, we offer insights you simply can't find elsewhere. See the difference a vast, quality-driven transcript library makes. Unlock your free trial at tegus.com/patrick. ----- Invest Like the Best is a property of Colossus, LLC. For more episodes of Invest Like the Best, visit joincolossus.com/episodes.  Past guests include Tobi Lutke, Kevin Systrom, Mike Krieger, John Collison, Kat Cole, Marc Andreessen, Matthew Ball, Bill Gurley, Anu Hariharan, Ben Thompson, and many more. Stay up to date on all our podcasts by signing up to Colossus Weekly, our quick dive every Sunday highlighting the top business and investing concepts from our podcasts and the best of what we read that week. Sign up here. Follow us on Twitter: @patrick_oshag | @JoinColossus Editing and post-production work for this episode was provided by The Podcast Consultant (https://thepodcastconsultant.com). Show Notes: (00:00:00) Welcome to Invest Like the Best (00:05:06) Talent vs. Teamwork: A Business Perspective (00:06:56) Talent vs. Teamwork: A Sports Perspective (00:09:40) Personal Stories of Overcoming Adversity (00:12:50) The Importance of Trust and Mission Focus (00:21:09) Facing Rock Bottom and Rising Again (00:34:59) The Hardest Moments and Lessons Learned (00:42:39) Unsung Heroes of Special Teams (00:45:01) Mentorship and Team Dynamics (00:46:49) Lessons from Duke Basketball (00:49:25) Instacart and the All-In Mentality (00:51:52) Building Successful Teams (00:55:42) Family Legacy and Personal Sacrifice (01:05:02) Strength and Vulnerability in Leadership (01:10:36) The Urge to Dominate and Winning (01:14:41) The Kindest Thing Anyone Has Ever Done For Alex

This week&#39;s episode is special because it marks the launch of a new Colossus show: <a href="https://open.spotify.com/show/18n6FcVMR5J0hSeboeETPc?si&#61;3525cba7926844b6" rel="nofollow">Glue Guys.</a> My guests this week are the hosts of the new show, <a href="https://x.com/ShaneBattier" rel="nofollow">Shane Battier</a>, <a href="https://www.instagram.com/alexsmith_11/" rel="nofollow">Alex Smith</a>, and <a href="https://x.com/GuptaRK22" rel="nofollow">Ravi Gupta</a>.Shane, Ravi, and Alex’s stories are remarkable. Each has been at the very top of their profession. Shane as an NCAA and NBA champion. Alex as the first pick in the NFL draft, 3 time-pro bowler, and 16-year NFL veteran. Ravi as a leader at KKR, and then as a critical leader turning around &amp; building Instacart, and now as a partner at Sequoia. But those parts of their stories pale in comparison to the stories you’ll hear on Glue Guys. Glue Guys is an unfolding manual for HOW to be a professional, a teammate, a leader, and even a friend and family member. In this episode of ILtB, we explore the general concept of glue guys—the people who are obsessed with helping the team win, whether they are the leader or newest member of the team. Please enjoy this conversation with Shane, Alex, and Ravi. Subscribe to <a href="https://open.spotify.com/show/18n6FcVMR5J0hSeboeETPc?si&#61;3525cba7926844b6" rel="nofollow">Glue Guys!</a> For the full show notes, transcript, and links to mentioned content, check out the episode page<a href="https://joincolossus.com/episode/what-makes-a-glue-guy/" rel="nofollow"> here.</a>-----This episode is brought to you by<a href="https://www.ridgelineapps.com/" rel="nofollow"> Ridgeline</a>. Ridgeline has built a complete, real-time, modern operating system for investment managers. It handles trading, portfolio management, compliance, customer reporting, and much more through an all-in-one real-time cloud platform. I think this platform will become the standard for investment managers, and if you run an investing firm, I highly recommend you find time to speak with them. Head to<a href="https://www.ridgelineapps.com/" rel="nofollow"> ridgelineapps.com</a> to learn more about the platform.—This episode is brought to you by<a href="https://marketing.tegus.com/free-trial?utm_medium&#61;podcast&amp;utm_source&#61;investwiththebest&amp;utm_campaign&#61;tegus_investwiththebest" rel="nofollow"> Tegus</a>, where we&#39;re changing the game in investment research. Step away from outdated, inefficient methods and into the future with our platform, proudly hosting over 100,000 transcripts – with over 25,000 transcripts added just this year alone. Our platform grows eight times faster and adds twice as much monthly content as our competitors, putting us at the forefront of the industry. Plus, with 75% of private market transcripts available exclusively on Tegus, we offer insights you simply can&#39;t find elsewhere. See the difference a vast, quality-driven transcript library makes. Unlock your free trial at<a href="https://marketing.tegus.com/free-trial?utm_medium&#61;podcast&amp;utm_source&#61;investwiththebest&amp;utm_campaign&#61;tegus_investwiththebest" rel="nofollow"> tegus.com/patrick</a>.-----Invest Like the Best is a property of Colossus, LLC. For more episodes of Invest Like the Best, visit<a href="https://www.joincolossus.com/episodes" rel="nofollow"> joincolossus.com/episodes</a>. Past guests include<a href="https://joincolossus.com/episodes/64592621/lutke-building-a-modern-business?tab&#61;transcript" rel="nofollow"> Tobi Lutke</a>,<a href="https://joincolossus.com/episodes/60313963/krieger-how-to-build-a-great-product?tab&#61;transcript" rel="nofollow"> Kevin Systrom</a>,<a href="https://joincolossus.com/episodes/60313963/krieger-how-to-build-a-great-product?tab&#61;transcript" rel="nofollow"> Mike Krieger</a>,<a href="https://joincolossus.com/episodes/34646260/collison-growing-the-internet-economy?tab&#61;transcript" rel="nofollow"> John Collison</a>,<a href="https://joincolossus.com/episodes/15230717/cole-how-to-operate-lessons-in-brand-distribution-and-leadership?tab&#61;transcript" rel="nofollow"> Kat Cole</a>,<a href="https://joincolossus.com/episodes/58516750/andreessen-making-the-future?tab&#61;blocks" rel="nofollow"> Marc Andreessen</a>,<a href="https://joincolossus.com/episodes/69430337/ball-the-future-of-media-movies-the-metaverse-and-more?tab&#61;transcript" rel="nofollow"> Matthew Ball</a>,<a href="https://joincolossus.com/episodes/12224182/gurley-all-things-business-and-investing?tab&#61;transcript" rel="nofollow"> Bill Gurley</a>,<a href="https://joincolossus.com/episodes/99792081/hariharan-lessons-in-growth-investing?tab&#61;transcript" rel="nofollow"> Anu Hariharan</a>,<a href="https://joincolossus.com/episodes/91241527/thompson-platforms-ecosystems-and-aggregators?tab&#61;transcript" rel="nofollow"> Ben Thompson</a>, and many more.Stay up to date on all our podcasts by signing up to Colossus Weekly, our quick dive every Sunday highlighting the top business and investing concepts from our podcasts and the best of what we read that week. Sign up<a href="https://www.joincolossus.com/newsletter" rel="nofollow"> here</a>.Follow us on Twitter:<a href="https://twitter.com/patrick_oshag" rel="nofollow"> &#64;patrick_oshag</a> |<a href="https://twitter.com/JoinColossus" rel="nofollow"> &#64;JoinColossus</a>Editing and post-production work for this episode was provided by The Podcast Consultant (<a href="https://thepodcastconsultant.com/" rel="nofollow">https://thepodcastconsultant.com</a>).Show Notes:(00:00:00) Welcome to Invest Like the Best(00:05:06) Talent vs. Teamwork: A Business Perspective(00:06:56) Talent vs. Teamwork: A Sports Perspective(00:09:40) Personal Stories of Overcoming Adversity(00:12:50) The Importance of Trust and Mission Focus(00:21:09) Facing Rock Bottom and Rising Again(00:34:59) The Hardest Moments and Lessons Learned(00:42:39) Unsung Heroes of Special Teams(00:45:01) Mentorship and Team Dynamics(00:46:49) Lessons from Duke Basketball(00:49:25) Instacart and the All-In Mentality(00:51:52) Building Successful Teams(00:55:42) Family Legacy and Personal Sacrifice(01:05:02) Strength and Vulnerability in Leadership(01:10:36) The Urge to Dominate and Winning(01:14:41) The Kindest Thing Anyone Has Ever Done For Alex

Alex Smith, Shane Battier, & Ravi Gupta - What Makes A Glue Guy? - [Invest Like the Best, EP.387]

TJ in Louisiana has been sitting on the sidelines, but now it’s time to get into the market. Should he dollar cost average, or just go all in? Margaret in California has an idea of selling a stock at a loss and buying a put option on that stock that expires after the 30-day waiting period. Does this work as a tax loss harvesting strategy? When is it worth it for Brian in Charlotte, North Carolina to diversify beyond a basic three-fund portfolio? Should Christine in San Diego convert her variable annuity to a fixed indexed annuity? That’s all today on Your Money, Your Wealth® podcast 494 with Joe Anderson, CFP® and Big Al Clopine, CPA. Plus, how should Dean in Columbus, Georgia invest inherited retirement money? Are Jen and John on track for retirement, and how should they fund their home remodel? Are there any negative consequences for Steve in Pennsylvania if he finds a new financial advisor just a few months after hiring his current advisor? The fellas also talk through how Chris can give money to charity from his required minimum distributions. And finally, Terry calls in with a follow-up question about whether a solo 401(k) is an option to avoid unrelated business income tax (UBIT).  Access all the following free financial resources and the episode transcript: https://bit.ly/ymyw-494 SCHEDULE:  free financial assessment DOWNLOAD: Investing Basics Guide DOWNLOAD: 10 Steps to Improve Investing Success DOWNLOAD: Retirement Readiness Guide WATCH YMYW TV: How Your Home Can Create Retirement Income READ THE BLOG: Factor Investing: What Is It? Should You Be Doing It? SUBSCRIBE:  YMYW on YouTube REQUEST:  Retirement Spitball Analysis DOWNLOAD:  more free guides READ:  financial blogs WATCH:  educational videos SUBSCRIBE:  YMYW Newsletter Timestamps: 00:00 - Intro 01:13 - I Want to Get Into the Market. Dollar Cost Average or Go All In? (TJ, Louisiana) 07:08 - Does This Tax Loss Harvesting Strategy Work? (Margaret, CA) 07:45 - When Is It Worth Diversifying Beyond a Basic Three Fund Portfolio? (Brian, Charlotte, NC) 13:33 - Factor Investing: What Is It? Should You Be Doing It? - Read the blog, Download the Investing Basics Guide and 10 Steps to Improve Investing Success 14:00 - Should I Convert a Variable Annuity to Fixed Index Annuity? (Christine, San Diego) 18:21 - How to Invest Inherited Retirement Funds and Where to Save Extra Money? (Dean, Columbus, GA) 21:50 - How Should We Fund Our Home Remodel? Are We On Track for Retirement? (Jen and John, California) 29:43 - How Your Home Can Create Retirement Income: Watch YMYW TV, Download the Retirement Readiness Guide 30:15 - Solo 401(k) to Avoid Unrelated Business Income Tax (UBIT)? (Terry - voice) 32:31 - Switching to a Fee Only Advisor: Any Negative Consequences? (Steve, PA) 37:19 - Intelligent Charitable Giving Through Qualified Charitable Distributions (Chris) 41:05 - Outro

TJ in Louisiana has been sitting on the sidelines, but now it’s time to get into the market. Should he dollar cost average, or just go all in? Margaret in California has an idea of selling a stock at a loss and buying a put option on that stock that expires after the 30-day waiting period. Does this work as a tax loss harvesting strategy? When is it worth it for Brian in Charlotte, North Carolina to diversify beyond a basic three-fund portfolio? Should Christine in San Diego convert her variable annuity to a fixed indexed annuity? That’s all today on Your Money, Your Wealth® podcast 494 with Joe Anderson, CFP® and Big Al Clopine, CPA. Plus, how should Dean in Columbus, Georgia invest inherited retirement money? Are Jen and John on track for retirement, and how should they fund their home remodel? Are there any negative consequences for Steve in Pennsylvania if he finds a new financial advisor just a few months after hiring his current advisor? The fellas also talk through how Chris can give money to charity from his required minimum distributions. And finally, Terry calls in with a follow-up question about whether a solo 401(k) is an option to avoid unrelated business income tax (UBIT).  Access all the following free financial resources and the episode transcript: <a href="https://bit.ly/ymyw-494" rel="nofollow">https://bit.ly/ymyw-494</a> SCHEDULE: <a href="https://purefinancial.com/lp/free-assessment/?utm_source&#61;LibsynDestinations&amp;utm_medium&#61;EpDescription&amp;utm_campaign&#61;YMYW-494" rel="nofollow"> free financial assessment</a> DOWNLOAD: <a href="https://purefinancial.com/white-papers/investing-basics-guide/?utm_source&#61;LibsynDestinations&amp;utm_medium&#61;EpDescription&amp;utm_campaign&#61;YMYW-494" rel="nofollow">Investing Basics Guide</a> DOWNLOAD: <a href="https://purefinancial.com/white-papers/10-steps-to-improve-investing-success/?utm_source&#61;LibsynDestinations&amp;utm_medium&#61;EpDescription&amp;utm_campaign&#61;YMYW-494" rel="nofollow">10 Steps to Improve Investing Success</a> DOWNLOAD: <a href="https://purefinancial.com/white-papers/retirement-readiness-guide/?utm_source&#61;LibsynDestinations&amp;utm_medium&#61;EpDescription&amp;utm_campaign&#61;YMYW-494" rel="nofollow">Retirement Readiness Guide</a> WATCH YMYW TV: <a href="https://purefinancial.com/ymyw/episodes/how-your-home-can-create-retirement-income/?utm_source&#61;LibsynDestinations&amp;utm_medium&#61;EpDescription&amp;utm_campaign&#61;YMYW-494" rel="nofollow">How Your Home Can Create Retirement Income</a> READ THE BLOG: <a href="https://purefinancial.com/learning-center/blog/factor-investing-what-is-it-should-you-be-doing-it/?utm_source&#61;LibsynDestinations&amp;utm_medium&#61;EpDescription&amp;utm_campaign&#61;YMYW-494" rel="nofollow">Factor Investing: What Is It? Should You Be Doing It?</a> SUBSCRIBE: <a href="https://www.youtube.com/playlist?list&#61;PLaYddQ5LA8egnNwVr1qIkg8DDOeIbrCkI" rel="nofollow"> YMYW on YouTube</a> REQUEST: <a href="https://purefinancial.com/ymyw/ask-joe-and-al/?utm_source&#61;LibsynDestinations&amp;utm_medium&#61;EpDescription&amp;utm_campaign&#61;YMYW-494" rel="nofollow"> Retirement Spitball Analysis</a> DOWNLOAD: <a href="https://purefinancial.com/white-papers/?utm_source&#61;LibsynDestinations&amp;utm_medium&#61;EpDescription&amp;utm_campaign&#61;YMYW-494" rel="nofollow"> more free guides</a> READ: <a href="https://purefinancial.com/learning-center/blog/?utm_source&#61;LibsynDestinations&amp;utm_medium&#61;EpDescription&amp;utm_campaign&#61;YMYW-494" rel="nofollow"> financial blogs</a> WATCH: <a href="https://purefinancial.com/ask-pure/?utm_source&#61;LibsynDestinations&amp;utm_medium&#61;EpDescription&amp;utm_campaign&#61;YMYW-494" rel="nofollow"> educational videos</a> SUBSCRIBE: <a href="https://purefinancial.com/lp/newsletter-sign-up/?utm_source&#61;LibsynDestinations&amp;utm_medium&#61;EpDescription&amp;utm_campaign&#61;YMYW-494" rel="nofollow"> YMYW Newsletter</a> Timestamps: 00:00 - Intro 01:13 - I Want to Get Into the Market. Dollar Cost Average or Go All In? (TJ, Louisiana) 07:08 - Does This Tax Loss Harvesting Strategy Work? (Margaret, CA) 07:45 - When Is It Worth Diversifying Beyond a Basic Three Fund Portfolio? (Brian, Charlotte, NC) 13:33 - Factor Investing: What Is It? Should You Be Doing It? - Read the blog, Download the Investing Basics Guide and 10 Steps to Improve Investing Success 14:00 - Should I Convert a Variable Annuity to Fixed Index Annuity? (Christine, San Diego) 18:21 - How to Invest Inherited Retirement Funds and Where to Save Extra Money? (Dean, Columbus, GA) 21:50 - How Should We Fund Our Home Remodel? Are We On Track for Retirement? (Jen and John, California) 29:43 - How Your Home Can Create Retirement Income: Watch YMYW TV, Download the Retirement Readiness Guide 30:15 - Solo 401(k) to Avoid Unrelated Business Income Tax (UBIT)? (Terry - voice) 32:31 - Switching to a Fee Only Advisor: Any Negative Consequences? (Steve, PA) 37:19 - Intelligent Charitable Giving Through Qualified Charitable Distributions (Chris) 41:05 - Outro

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