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I'm in the middle of one right now.

I've been on this personal finance kick lately because I realized the only financial education slash knowledge that I have is through Dave Ramsey.

So if you know, you

know.

I didn't even know that I needed it at the time.

And I feel like this message is broader than the personal finance community, right? I think we as humans do a lot less socially maybe than we did in the past.

What strikes me about your story is this idea that life puts in front of you the people you need at that moment, but that can't happen if you're not willing to get out of the house.

It can't happen if you're not willing to put yourself in a position of being in the place where other people have some type of shared interests, knowledge, or show up for some reason.

That's that's good.

So I appreciate that very much.

What do you think? So I've talked a lot about this idea that sometimes when you come together with other people, it gives you the courage to deal with things that you kind of know are an issue or you wouldn't be involved in personal finance in the first place.

Are there any things that you're like, wow, like I've now seen people around here.

Hi, everyone.

It's Ginger, and today we're doing another Get Personal with Personal Finance interview.

It is my great honor to have Bill Yount on the show today.

I bet many, many of you know of Bill.

Well, I want to back up a little bit before we get to the FOGO.

You know, one thing I've always found really interesting about you is you've been really upfront about, and correct me, these parts that I've got wrong here, but I feel like if I asked you what your savings rate was when you were 40, you would say, "I don't know," right? I feel like I've heard you say, "I didn't know what my net worth was," right? Like, so you were really on that extreme of kind of hoping it would be okay and maybe a little bit on autopilot.

But then this change that happens, you didn't kind of go a little bit in, or you didn't learn, like, a little bit about personal finance, right? You really took a deep dive, and I wonder what do you think accounts for that? 'Cause I bet it's not just fear.

And then also, do you remember specifics around that, around, like, some of those first actions that you took?

The whistleblower's story included unfounded allegations by a former employee who has a different view on how the church should manage its resources, the church said in a statement.

From Personal Finance, headline, What Does It Really Mean to Go Bankrupt? Sub-headline, filing for bankruptcy can result in your debts being discharged or forgiven, but it comes at a cost.

Article by Becca Stanek of the Week U.S.

There are a lot of myths and misconceptions when it comes to bankruptcy, but it is also a process that an increasing amount of Americans are facing.

But then compared to the very small number of building permits, 0.8, 0.7, et cetera, Providence, Rhode Island, Buffalo, Niagara, and as mentioned in the article, San Francisco, New York City, and Hartford, Connecticut being the lowest in the nation.

In Personal Finance, Exhaustive Search, Why Today's Hunt for a Job Feels So Draining and What to Do About It, by Zuleika Nathu.

For many job seekers, writing another version of a resume or polishing a LinkedIn profile isn't the hard part.

Getting stuck in a cycle of applying, waiting, and wondering is.

Hello money nerds and welcome to Heads Up On Money.

It's Personal Finance Friday once again and this is episode 161 of Heads Up On Money.

Your host it is me Benjamin Mitchell so thank you as always for joining me.

Quick call out as always if you are enjoying Heads Up On Money, if you are enjoying me boring you every Personal Finance Friday, then please do like and subscribe to the show.

It helps you to get new episodes delivered every week and it really helps the show to continue to rise up the Personal Finance podcast charts and gets money messages to more people.

So thank you really for everything you do, Money Nerds.

So in this episode, we're taking a break from recent episodes where we talked about misconceptions in various areas within your financial planning.

So let's get into it.

Stay tuned.

Welcome to Personal Finance for Long Term Investors, where every episode teaches you personal finance and long term investing in simple terms.

Now, here's your host, Jesse Kramer.

Welcome to Personal Finance for Long-Term Investors, episode 151.

I'm Jesse Kramer.

I'm a financial planner working with retirees and people getting ready for retirement from all across the USA.

If you love this podcast, please leave me a rating and review on the Apple Podcast app.

And if you're interested in learning more about my retirement planning practice, please visit planwithjesse.com.

There is a new AP class, advanced placement class, uh, for, uh, high schools across the United States.

Um, it's called Business with Personal Finance.

So the kids understand personal finance, entrepreneurship, business strategy, costs, and, and revenue and profits, and that sort of thing.

It's a great idea.

Can you make my t- kid take that instead of Spanish, which is a complete waste of time?

Or color in the gingerbread person, even worse.

More than half of US states now require students to complete a standalone personal finance course to graduate, which is great, and business has been the most popular undergrad degree for years according to national data from, uh, the people who keep track of this sort of thing.

Um, but it's, uh, it's, it's really good because so much of the, the drive towards socialism and insanity is because these kids have no concept of, you know, profit and loss and risk and, and that sort of thing.

Hey.

I just finished up summer classes and the results are in for personal finance and one credit financial well-being class.

And I wanted to take a minute to share these results because we are going to be comparing a one credit class and a three credit class.

And the findings that I had were very interesting.

Wellbeing class, financial wellbeing class is a one credit class.

This is available to all students in the university.

Personal finance class is available to all students and that's a three credit class.

And I have 77 survey results for the financial wellbeing class.

312-642-5600, alphawealthgroup.com, call and text line.

And pay attention to your local schools, won't you? In case this is circulating, NextGen Personal Finance Curriculum.

The NextGen Personal Finance Curriculum.

It's being pushed in K-12 schools in Texas.

So if it's being pushed in Texas, then it's coming to a school district near you.

You can be sure of that.

This is a distillation of it, including some slides from the curriculum itself from a policy wonk over at the Cicero Institute.

Is this financial literacy curriculum horribly condescending to minorities? NextGen Personal Finance is a financial literacy curriculum targeted at high schoolers.