For Questions or Comments Send us a Text Message The final stretch of the year can either be a financial drift or a decisive sprint. We chose the sprint. Steven and John share a sharp, good-humored guide to closing your books with confidence: practical tax moves you can still make before December 31 and a clear plan to dodge the holiday debt trap that ruins too many Januarys. We start with the why: deadlines lock your choices, not your hopes. Then we dig into what you can act on now—bumping ...
For Questions or Comments Send us a Text Message Holiday gatherings shouldn’t come with a side of burnout and a dash of regret. We dive into a practical, good-humored guide to staying well through cold and flu season while still saying yes to the treats that make this time of year special. From proven immune habits to smart plate strategies, you’ll get a simple toolkit you can use at the next party, potluck, or family feast. We start with why winter hits harder: more time indoors, drier air,...
For Questions or Comments Send us a Text Message What if gratitude could taste like butter tarts, sound like a kid’s thank-you card, and feel like a cool night under a handmade shelter? We take you on a warm, funny, and thoughtful journey through global gratitude traditions, comparing how Canada, Germany, Japan, Liberia, Israel, and Romania celebrate thankfulness through food, ritual, and community. From maple-kissed desserts and wheat crowns to spicy chicken and polenta, we explore how cultu...
For Questions or Comments Send us a Text Message What if the biggest barrier to connection is sitting in your pocket right now? We take a candid, funny, and honest look at how screens reshaped our conversations, why empathy lags when tone and timing vanish, and how to retrain the muscle of real talk without ditching technology entirely. From the awkward “call me back with a text” moment to the dinner table quartet of phones, we unpack why online incentives reward shouting instead of listening...
For Questions or Comments Send us a Text Message Ready to swap guesswork for a game plan that actually compounds? We break down three strategic investments every solo entrepreneur and freelancer can make today: learning from mentors who’ve already walked the path, building simple processes that buy back time, and using the right retirement accounts to keep more of what you earn. No fluff—just stories, examples, and tools you can pick up and run with. We start with mentorship as leverage. Whe...
For Questions or Comments Send us a Text Message Feeling wrung out by that 3 p.m. crash? We dig into a clear, practical way to steady your energy without banning your favorite foods. Shannon Hagel’s Thrive Formula centers on three moves—nourish, move, and measure—and we pair it with the Stello continuous glucose monitor to turn guesswork into clarity. Instead of rigid rules, you get small, repeatable actions: build balanced plates, take a 10-minute walk after meals, and use real-time data to ...
For Questions or Comments Send us a Text Message Ever wonder how a single story can quiet a crowded room and make it glow? We sit down with Santa Stephen to unpack the craft behind holiday magic—from the way he builds a living North Pole in a child’s imagination to how he turns chaotic photo ops into keepsakes that radiate warmth. He shares the heart of his favorite tale, the little bell that could, and why small gestures like a smile or a cookie can guide people through life’s blizzards long...
For Questions or Comments Send us a Text Message Want the trip, the car, and a peaceful December without feeding your credit card? We walk through a simple, numbers-first plan to turn big goals into daily actions you can actually keep. It starts with clarity—naming a target and a date—then breaking it into monthly and even daily amounts so progress feels tangible. You’ll hear the real math behind a $3,000 vacation, why $8.22 a day can change your year, and how a friendly competition (or a vac...
For Questions or Comments Send us a Text Message Ever looked at a dental bill and wondered how a routine cleaning turned into a tangle of codes and surprise charges? We dig into the hidden world of dental insurance fraud—upcoding, unbundling, phantom billing, and double charging—and explain how these tactics quietly raise your costs and erode trust. Drawing from a first-hand story about a $26 “gingival rinse” that was just tap water, we unpack the excuses patients often hear, like “the insura...
For Questions or Comments Send us a Text Message Government pauses; life doesn’t. We open the mic on the shutdown standoff and follow the impact from Capitol Hill straight to kitchen tables: furloughed paychecks, closed parks, longer TSA lines, and the hidden costs that ripple through small towns and local businesses. With clear, no-spin commentary, we trace the last fifteen years of policy swings—health care mandates, stimulus bets, banking rules, tax reform, energy shifts—and explain how th...
For Questions or Comments Send us a Text Message Sleep - that elusive reset button for our bodies and brains that many of us struggle to press properly. With 50-70 million Americans suffering from sleep deprivation or disorders, understanding how to improve sleep quality isn't just about feeling rested—it's about protecting your long-term health. Magnesium and melatonin often get mentioned in the same breath when discussing natural sleep aids, but they work completely differently. Magnesium,...
For Questions or Comments Send us a Text Message Drowning in debt? You're not alone. This eye-opening conversation with financial expert John Ezell cuts through the confusion to reveal why so many of us struggle with debt—and exactly how to break free. The shocking truth? Most people have no idea where their money actually goes. One friend of John's discovered he was spending $2,200 monthly just on fast food lunches with his son. Another listener's mother spent hundreds monthly on cigarettes...
For Questions or Comments Send us a Text Message Nobody brags at a dinner party about buying life insurance, but when life takes an unexpected turn, it's the safety net your family will be grateful you had in place. In this illuminating conversation, host Steven Killfoil and financial expert John Ezell strip away the complexity and confusion surrounding life insurance to reveal why it deserves your attention. The journey begins with a fascinating historical perspective—from ancient Roman bur...
For Questions or Comments Send us a Text Message The dreaded pink slip – that moment when your professional world suddenly turns upside down. In this compelling episode of Money Moves, host Steven Killfoil shares his personal layoff story from 2015, revealing how what initially felt like a career disaster ultimately became his greatest blessing. Guest Foster Williams, a career transition expert with over 26 years of experience helping job seekers, cuts through common misconceptions about the...
For Questions or Comments Send us a Text Message Those seemingly healthy granola bars and yogurts you're reaching for? They might be delivering more sugar than a candy bar. The refreshing fruit sorbet you chose over ice cream? It could be packing twice the sugar. We're pulling back the curtain on the hidden sugar epidemic that's hijacking our health one "nutritious" bite at a time. The numbers are staggering – the average American consumes 17 teaspoons of added sugar daily, and most of it sn...
For Questions or Comments Send us a Text Message Money moves beyond theory into action in this deep dive on strategic saving for retirement. Financial strategist John Ezell returns to break down how everyday decisions transform into lasting wealth—no matter your current income or debt situation. "Savings isn't just about large amounts. It's more important to be consistent," Ezell emphasizes, challenging the common excuses that keep us financially vulnerable. Whether you think you don't make ...
For Questions or Comments Send us a Text Message Chrome isn't just shining in Pilot Point this August—it's serving a higher purpose. Beneath the gleaming hoods and polished fenders of the vehicles at ChromeFest lies a powerful story of community connection. My conversation with Cindy Ferris, affectionately known around town as "Mama C," reveals how a grassroots car show that began in 2016 has transformed into a lifeline for homebound seniors across northern Denton County. ChromeFest (...
For Questions or Comments Send us a Text Message Hemp's story reads like a political thriller, complete with corporate conspiracies, government cover-ups, and a modern-day governor fighting to restore an ancient plant's rightful place in American agriculture and medicine. Steven and Mady Killfoil take us deep into this fascinating saga, revealing how hemp went from powering colonial America to becoming the target of one of history's most successful propaganda campaigns. We explore hemp's inc...
For Questions or Comments Send us a Text Message Ready for a retirement reality check? Whether you're a twenty-something who thinks retirement is light-years away or approaching your golden years with anxiety, this conversation with retirement expert John Ezell delivers straight talk about securing your financial future. Most of us get financial advice from well-meaning relatives who lack expertise—a recipe for disaster. Just ask our host, whose mother lost $90,000 of retirement savings over...
For Questions or Comments Send us a Text Message Fat has been unfairly villainized for decades, but the truth is far more nuanced than the "fat is bad" messaging we've all heard. The reality? Your body needs healthy fats to thrive - they support brain function, hormone production, and help absorb essential vitamins. Stephen and Maddie take listeners on a journey through the complex world of dietary fats, breaking down the crucial differences between unsaturated, saturated, and trans fats. Th...