How to Love Your Job (Or Leave It) - Despite your Debt
Play episode · 44 min

If you’re frustrated with your job and dreaming about making a change, this episode is for you. I’ll show you the 3 traits you need to learn to love your job. And if you can’t? That’s okay because we’ll talk about the steps you can take to leave your job and do something you love.


In today’s episode, you'll find out:


  • How to boost your happiness long term instead of just temporarily
  • How to find gratitude despite student loan debt
  • Why comparison is the thief of joy
  • Why you shouldn’t worry about imposter syndrome
  • How to feel capable of achieving your goals despite your loans
  • Why I left my job in corporate America
  • Steps you need to take to make a change in your career
  • Why you need money even though it can’t make you happy
  • Why it’s okay to go back to school and get a different degree
  • Why you can pursue your passion when you have student loan debt

Full show notes at:  

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Feeling helpless when it comes to your student loans?

The Power Of Zero Show
The Power Of Zero Show
David McKnight
The Post-Mortem on Trump's First Term
Today’s podcast is based on a recent article penned by Maya MacGuineas titled The Debt is Huge Because Trump Kept His Promises. Maya also appeared in David’s documentary The Tax Train is Coming. Much of what Maya says is that we shouldn’t be surprised by what happened during Trump’s first term since it has been exactly what he campaigned on. The debt that has accumulated has been a result of President Trump’s campaign promises of steep tax cuts and increased spending on both defense and veterans, and crucially, he promised to not make any changes to Social Security and MediCare. We are now paying the price for it. The numbers proposed were so huge that they seemed exaggerated and improbable, in other words, the amount of debt that Trump was looking to accumulate over the course of his first term was astronomical. The Nonpartisan Committee for a Responsible Federal Budget estimated that Trump’s agenda would increase deficits over the next ten years by $4.6 trillion. The numbers at the end of Trump’s first term are even worse due to the extra spending for the Covid-19 lockdown. In Trump’s first three years he approved $3.9 trillion in borrowing just to pay for the tax cuts he introduced. Any good economist will agree that tax cuts are okay if they are paired with a commensurate decrease in spending, the problem is we didn’t do that. While all the other economies in the world are paying down their debts, the US is piling debt upon debt. The deficit has never been so high when coupled with an economy that was going as well as it was prior to 2019. When you add up the additional borrowing that the US made to deal with Covid-19 the impact is immense, and the borrowing is just beginning. The $2 trillion borrowed initially was only the first half of the bridge. Had we been more fiscally responsible prior to Covid-19 we would not be in the same bind. We would be in a better position to handle something like Covid-19 had we not accumulated so much debt prior to it. There are a few things that Trump did not follow through on. The business tax cuts have not paid for themselves. Trickle-down economics is the idea that decreased taxes and increased capital going to corporations leads to an increase in the economy, but that would only happen with a concurrent decrease in spending, which did not happen in this situation. Discretionary spending is a relatively small portion of the budget, roughly 23% of the economy, and while Trump proposed reducing discretionary spending it actually increased by over $700 billion. Part of the problem is that Trump ran on not touching Social Security or Medicare and every year that goes by where we do not reform Social Security or Medicare in some way has an economic cost. Every year that goes by where we fail to address these two programs means the fix on the backend is going to become even larger and even more draconian. According to the CBO Social Security is projected to be insolvent by 2031 when the youngest of today’s retirees turn 73. Ignoring these programs is not the same as protecting them. It dooms beneficiaries to large abrupt benefit cuts across the board or large tax increases on the population as a whole. The debt is headed towards a new record, in just a couple of years, it is projected to grow faster than the economy indefinitely. All major trust funds are heading towards insolvency because we have done nothing to fix them. All of the Covid-19 spending would have been more palatable as we come into the crisis with our fiscal house in order. Whoever is in the White House in January is going to have to put a long-term plan in place to reduce the debt once the economy is strong enough and save Social Security and Medicare. The scary part is that we are starting to hear more about Modern Monetary Theory and the idea that we can just print our way out of our issues without creating immense amounts of inflation. Take advantage of tax rates while they are historically low because they are not going to stay at these levels for long. Mentioned in this Episode: The debt is huge because Trump kept his promises -
19 min
Retirement Starts Today Radio
Retirement Starts Today Radio
Benjamin Brandt CFP®, RICP®
How to Avoid Burnout While Working From Home, Ep # 162
Are you one of the many people still working from home due to the pandemic? What seemed like a phase that would last a few weeks has turned into a trend with no end in sight. While working from home creates exciting possibilities, especially for those considering retirement, it also has its downfalls. Many people have discovered that working from home means the lines between work life and home life are being erased. As long as you are conscious that burnout is a real risk then you can take active steps to keep your home life and work life in balance. On this episode, I’ll share an Inc. magazine article about avoiding burnout while working from home. We’ll also take a look at a WSJ article on early retirement buyouts. Then we’ll wrap up this episode with a listener question about strategies for those on the cusp of retirement. So, grab your Airpods or your favorite listening device and take a walk with me. Outline of This Episode * [1:02] How to avoid burnout while working remotely * [6:30] Should you consider early retirement? * [11:55] Are there any one-time financial strategies for those on the cusp of retirement? Is working from home leading you to burnout? While the work from home revolution that picked up momentum during the pandemic has opened many doors, it has also revealed its own set of problems. People spend more time actively working and it seems that the 40-hour workweek has gone out of the window. Employees are now spending 25% more time ‘at work’ than before the pandemic. Many have stated that they find they are often sending work-related messages and emails after traditional work hours. Their desire to be productive now puts them at risk of burnout. Try taking a virtual commute Microsoft has come up with a creative way to help its team avoid burnout while working remotely. Their solution is to bring back the commute. They don’t recommend you jump in the car and drive to your workplace, but rather a virtual commute. The Inc. article recommends a 20-minute meditation commute. I love this idea. However, if you are not a meditator, a walk to work commute might be a better alternative. Before you start working each morning, head out your front door, and walk around the block. You can use this time to get in the right headspace for work and plan your day. Working from home could extend your working life Working from home can create amazing possibilities, especially for those of you considering retirement. The possibility of working from anywhere means that you could extend your work timeline. However, to take full advantage of the possibilities it is imperative to avoid burnout. As long as you are conscious that burnout is a real risk then you can take active steps to keep your home/work life in balance. Have you been offered an early retirement package? Press play and listen in to hear whether you should consider taking an early retirement package. And keep listening until the end to hear the answer to Frank’s question about one-time financial strategies for those on the cusp of retirement. Resources & People Mentioned * Inc magazine article on the virtual commute * WSJ article on early retirement buyouts Connect with Benjamin Brandt * Get the Retire-Ready Toolkit: * Follow Ben on Twitter: Subscribe to Retirement Starts Today on Apple Podcasts,Stitcher,TuneIn,Podbean,Player FM,iHeart, or Spotify
18 min
Shared Practices | Your Dental Roadmap to Practice Ownership | Custom Made for the New Dentist
Shared Practices | Your Dental Roadmap to Practice Ownership | Custom Made for the New Dentist
Richard Low, George Hariri, Matt Guarino, & Tyler Tolbert
PUW 65 Shared Practices' Journey...So Far
We'll be back with guests next week, but as George and Matt finish up their four-part series together, they give us a comprehensive history of Shared far. The time-sucking (but fun) project it was in the beginning, Matt coming onboard and giving Richard and George the kick in the butt they needed...all the way to the purposeful launch of meaningful resources for ambitious dentists everywhere. Interested in 1-on-1 coaching? * Email or * Tell us about yourself, your business goals, where you are currently in your practice at and where you would like to be in the next year. * Send us your information to see if we would be a good fit for you! Would you like to be a guest on the show? Copy and paste these questions on the email. Email Tell us: * About your practice: number of employees, their roles, your location, number of chairs, what procedures you obtain your income from * Goals for your practice * A vision where you would like your practice to be, where you would like to go * Where do you believe you are falling short in your practice? * How are you getting in your own way to success? * Why isn’t the practice performing the way you would like? * What would you like coaching for? Links | Resources Practice By Numbers Practice By Numbers Facebook Group
1 hr 2 min
Changeability Podcast: Manage Your Mind - Change Your Life
Changeability Podcast: Manage Your Mind - Change Your Life
Kathryn Bryant and Julian Illman: Personal Development | Mind Management | Educators | Authors | Entrepreneurs
CA100: The Changeability Podcast past and future
The Changeability Podcast past and future We celebrate 100 episodes as we take a look at the Changeability Podcast past and future. Here’s some of the top 3s from the past 99 episodes followed by a look at the next episode in the Changeability Podcast story. Audience top 3 episodes The 3 favourite episodes of our audience to date. These are the shows with the highest number of downloads so far. The longer the episode’s been on iTunes or our website or Stitcher or TuneIn the longer people have had to listen to it, so we would expect the older shows to have more downloads than newer ones and that’s reflected in these results. Third most popular episode - ‘What is Mind Management’ Episode 6 In episode 6 of the Changeability Podcast we were thinking about our strap line phrase – ‘Mind Management’. What is mind management and what’s in it for you? In episode 6 you found out about: * Kathryn and Julian’s acting skills (you’ve been warned) * How many thoughts you have in a day * Why sports people love mind management * How thoughts have energy * How you are not thoughts * How mind management needs training * Mind management can improve your personal and professional life Second most popular episode - ‘The Brilliant You’ Episode 2 Do you know how truly amazing you are? Well that’s what episode 2 is all about. You might not always feel like a magnificent being, but by the end of this second episode you be agreeing with us that you’re pretty smart. Because in this show we talk about just how brilliant you and your marvellous mind and what it means. * What you’re doing as you listen to the episode (really?) * How you’re like an iceberg and why that’s a good thing. * How many things we can focus on at a time * What Julian learnt from a Memory World Champion (or rather - didn’t learn!) * The role of the conscious and unconscious brain and how they manage our minds. Understanding a few basics about how your mind works, will help you understand what’s getting in the way of doing what you want and what to do about it. Most popular episode - ‘Changeability – The Start’ Episode 1 The first episode saw us introducing ourselves and the Changeability show. The Changeability podcast is for you if you’re interested in changing or improving something in your life or business, big or small. It’s for people like us who’re interested in finding ways to make our lives the best they can be – so we can be more successful (whatever that means to you), happy and fulfilled. Through discussion and interviews we look at practical mind management and change techniques, tactics & tools - taken from the worlds of personal development, psychology, neuroscience, business, sport, entertainment and spirituality – to empower and inspire a happier, successful life or business. In the first episode you find out: * What is Changeability? * And why should you care about it? * Why is change hard? * How we can self-sabotage our best intentions * Why it’s not your fault - and why it’s good. * Our story and what we’ve learnt Top 3 countries We love you being here wherever you’re from – so this isn’t our favourite countries – but rather the top 3 countries with the highest number of listeners out of the 167 countries we currently have listeners in. * Third – UAE 6% * Second – USA 19% * First – UK 48% (And just in cast you’re interested the fourth is Australia with India in fifth place.) Kathryn and Julian’s favourites This was so hard to choose, especially as we decided not to include any interviews in our top 3s (maybe they’re deserving of a separate post) – but here’s three each with a couple of extras thrown in for good measure. Kathryn’s favourites * Episode 3 – The Library in your brain * Episode 19 - Why use affirmations to manage your mind? * Episode 31 – 5 mind management techniques for changing your life. Julian’s favourites * Episode 43 – What is mindfulness and why you need it? * Episode 46 - 21 simple tips for mindfulness meditation. * Episode 56 What is happiness and the neuroscience behind it Couple of extras * Episode 85 How to recognise toxic people and relationships * Episode 89 What does success mean to you 3 of our favourite reviews on iTunes Very hard to pick 3 out of the 78 we have so far across the different iTunes countries as we obviously love them all. So we can’t really call these our favourites but they are reviews we’ve especially like. Excellent - iimmmii from United Kingdom One of the best ‘change your life’ resources I’ve come across. If you like to understand the theory and evidence (be it scientific or anecdotal) behind advice on how to change your life, this material is presented in an engaging way in this podcast. Of course they also make recommendations for how best to go about taking action. A few episodes in and you will feel like you’ve made two new friends who are supporting you on your journey of change. Well done Kathryn and Julian, listening to you makes me proud to be from the same Sceptred Isle! A Homely Serving Up of Sound Advice/Wisdom - Ola-B. from United Kingdom Where has this amazing couple been all my life?! :) Love Kathryn, love Julian, and let's not forget Dude!!! Love this podcast - the topics, the delivery of it's simply unique, uplifting and inspiring! Thank you guys! Kathryn and Julian's chemistry rocks! - LornaLi from United States I love the concept of this show! It's so unique and refreshing! I absolutely LOVE the hosts' chemistry - their exchanges are such a joy to listen to. Thank you for all the useful tips you provide to your listeners on how to plan and achieve their goals, I'm sure many are reaping so many benefits from this show! Thank you to you for taking the effort and making our day. By the way – we’d love more reviews. We don’t always ask for them in every episode as it gets tedious for you to listen to – and we want to provide you with a good listening experience. However, reviews are important to us not only because it’s great to find out what you think but it means iTunes makes our show more visible to people looking for podcasts. You know yourself the power of reviews on sites like Tripadvisor and Amazon – so if you feel like helping us out that’s one way to do it. Dude’s top 3 Who’s been with us all through every single episode and every phase of the podcasting process – in fact he’s always with us – Dude the Dog, our faithful hound and black labradoodle. We’ve joked we have a contractual obligation to mention him in every show – not that we’ve quite done that but he’s had more than his fair share of mentions and even made it onto the show on a few occasions. So here’s Dude’s top 3 favourite Changeability Podcast moments as chosen by him (woof). * Episode 83 ‘Self-love Rituals’ – The 10th of our self-love rituals is to have Pet Time. Walk, cuddle, play with or groom your dog or cat or talk to your budgerigar. You might not get this if you don’t have a pet – but if you do have one you’ll know what we mean! * Episode 63 ‘How to start and finish anything with Tom Boother’ – Dude features in a cameo role when Tom starts talking about Dude and how they met! * Episode 98 ‘What are habits and why we need them’ – Dude gets his own moment in the spotlight. You’ll have to listen to this episode to know what we mean, or just listen to episode 100 to hear the extract. Our top 3 bloomers You wont know what we’re talking about here if you’ve never listened right to the end of our shows – but listen to episode 100 to hear 3 of them for your entertainment – and why they’re called Kathryn’s bloomers! 3 lessons we’ve learned from creating 100 episodes of the Changeability Podcast Here’s just 3 of the many things we’v…
53 min
Retirement Answer Man
Retirement Answer Man
Roger Whitney, CFP®, CIMA®, RMA, CPWA®, AIF®
Unexpected Retirement - Do I Take the Retirement Package?
A result of the infamous year 2020 is that companies are looking left and right for ways to cut costs. One way many companies are trimming the fat is by offering early retirement packages to their most experienced team members. There are many questions you should ask yourself if you have received the offer of an early retirement package. Listen in to discover what you need to be thinking about in this situation. Even if you have been planning to retire you may not be ready just yet You may have been considering and planning your retirement for a while now. But even if you are well prepared for that future date, receiving an early retirement offer can still feel like you are being thrown a curveball. You may not feel like you are ready to pack it in just yet. Even after all of your planning, there is an internal struggle. What should you do if you are offered an early retirement package? If you receive an early retirement offer you may have a limited amount of time to make your decision. The first thing you should do is seek counsel. Gather your team together. This should include your spouse and anyone whose opinion you value in these matters. Next, you’ll want to consider how the package can serve you. Will it simply move forward all the things you were planning? Questions to consider before taking the package There are many questions you should consider before coming to a decision. How will this package affect your benefits like pension, life insurance, and your vestedness within the company? How will it affect your healthcare options? Filling the gap between workplace provided health insurance and Medicare is the biggest challenge of early retirement. Listen in to hear all the questions to ask yourself if you are offered an early retirement package. What if you’re still not ready to retire? What should you ask yourself if you say no? Do you want to continue and stay in your role at the company? If you do, what will that look like? Will your job become harder? If you don’t accept the package will that affect workplace politics? Before you come to any decision you need to make sure that you have a feasible plan in place. If you aren’t sure how to create that plan, consider joining the Rock Retirement Club. We have a masterclass where we teach you how to build a plan that is designed just for you. OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN PRACTICAL PLANNING SEGMENT * [5:07] What should you ask yourself if you receive an early retirement package offer? Q&A SEGMENT * [16:08] A question from a listener that received an early buyout package * [21:24] A suggestion for a series theme * [22:35] How to migrate to a more balanced portfolio * [24:20] A bond index question TODAY’S SMART SPRINT SEGMENT * [29:46] Work on your retirement planning project Resources Mentioned In This Episode The Pie Cake episode The bond series - Start here Rock Retirement Club Roger’s YouTube Channel - Roger That BOOK - Rock Retirement by Roger Whitney Work with Roger Roger’s Retirement Learning Center
31 min
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