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Five Lessons Learned From A Financial Reporter

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jason stauffer and wife

There is plenty of great personal advice out there. But how do you figure out whether or not it applies to you? Jason Stauffer, a NextAdvisor reporter, shares that there’s no single tip or money hack that will instantly turn your life around. However, some principles can guide you towards achieving your goals. You will need to find a way to apply them to your unique status or situation. So, here are the best personal finance tips to use.

Five Best Personal Finance Tips By Jason Stauffer

1. Budgeting Is More Than Just Managing Money

Stauffer said that his budget was a personalized spreadsheet he constantly updated for many years. It was part of his dream of becoming a young Warren Buffet. However, that budget rarely helped him feel less stressed about money.

During his early stint at NextAdvisor, Stauffer discovered zero-based budgeting or ZBB. Once he and his wife started to apply the method, they started saving more and feeling less anxious about money. A reasonable budget should manage your expenses and your emotional relationship with money. 

With ZBB, every money that comes in is assigned to a specific purpose. They allocated funds to pay for rent, cellphone, and other expenses. Aside from that, they also allot money for more than their current bills. This strategy helped them pay off student loans sooner than scheduled. 

ZBB also helped the couple build an emergency fund. For example, when their cat needed a $2,000 emergency surgery, they already have that amount available. Without sufficient emergency funds, it would have been a hindrance to their goals. 

The zero-based budgeting app called You Need a Budget (YNAB) has effectively turned credit cards into debit cards.

If you want to explore ZBB, YNAB is a great place to start. But take note, the app is not free. There are lots of free or cheap ZBB templates available. And ZBB isn’t the only budgeting approach that works. As you explore different budgeting methods, focus on why you want a budget. 

2. Prioritize Income Over Expenses

Some people have paid off their mortgage in less than six years and settled six-figure sums of debt. One common factor for these success stories is they constantly find ways to make more money. They engage in side hustle businesses or find better-paying jobs. Still, having a budget that works is the first step towards achieving goals. 

Stauffer also shared that they are expecting their first child, and it is as vital as ever to increase household income. His wife is considering a transition from freelance to a full-time world, which would provide a more stable income. From there, they might also explore other side hustle opportunities. 

Starting a freelance or side hustle might not be as challenging as you perceive. Chances are you already have hobbies and talents you could utilize or develop to augment your income. 

3. Learn To Negotiate

The idea of negotiating has always been overwhelming, but it’s one of the best personal finance tips to use. In reality, dealing is usually as simple as asking for what you want. Thinking about a good offer sometimes includes offering something of value in return. 

Any method of negotiation is better than no negotiation at all. Find an approach that could assist you in doing it and become more comfortable. You could try making an indirect request and evaluate if it is easier for you. 

4. Be Patient and Consistent

Transforming the status of your finances takes time. Almost all financial success stories are prefaced by a long learning period and establishing momentum. Whether learning to code before becoming a tech entrepreneur or saving up for a downpayment on a house or property, significant changes take time. 

If you can only take small steps, focus on taking small steps. It can be not easy seeing how fast everyone else moves or progresses. What’s not seen is how much time it took them to develop the speed you’re seeing. 

5. Future Homeowners: Ask About a Zero Mortgage

The most overlooked strategy Stauffer encountered for reducing your mortgage cost is to ask for lender credits instead of a higher interest rate. The credits would be used to settle the loan fee portion of your closing costs in this situation. With a zero-cost mortgage, you’d be paying a reduced amount every time you buy a home or refinance.

When researching lenders, always ask if they have a zero-cost loan option. Then, compare your options and see which one applies to you.

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Business

Top Marketing Podcasts for 2025 You Should Be Following Today

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marketing podcasts

Being a marketer means constantly being on the lookout for the latest in marketing trends and news. You’ll be surprised how fast trends come and go, along with the tools that you commonly use for your campaigns. If you’re looking for a trend that never goes out of style, it’s podcasting. Here are the top marketing podcasts to tune in to in 2025:

1. Marketing School

marketing school podcast cover art

Marketing School is hosted by one of the famous names in the marketing industry: Neil Patel. Eric Siu is also another popular figure hosting the show. They update listeners on the newest marketing and SEO trends and information. Plus, they interview content creators and marketers to share their marketing secrets and tips to achieve their goals. It’s a great starter podcast for new marketers in the field. Listen to the famous hosts every day!

2. Social Media Marketing Podcast

marketing podcasts

The Social Media Marketing Podcast should be your go-to podcast if you’re focused on social media marketing. Listen to Michael Stelzner weekly to get the best tips on marketing on social media with the latest tech and trends. If you’re also running out of content ideas, the podcast host also provides tips and insights to help you get started on new strategies. Plus, he interviews marketers and business leaders on how they achieved success with social media marketing.

3. The WARC Podcast

marketing podcasts

The WARC Podcast delivers marketing insights to help you know the latest in marketing for the week. You’ll learn what marketing challenges marketers overcame. Listen to them twice a week for recent trends, interviews, and event recaps. 

4. Duct Tape Marketing

duct tape marketing podcast cover art

Another big name in the marketing sphere is Duct Tape Marketing, which made an impact in 2005. Listen to John Janstch three times a week to listen to interviews with small business owners and marketers, and how they grew their businesses through marketing strategies. Don’t miss out on the trends and tips to supercharge your marketing.

5. Perpetual Traffic

marketing podcasts

If you want tips from expert marketers Ralph Burns and Kasim Aslam, listen to Perpetual Traffic! They specialize in paid traffic tips to help you increase sales and leads! Expect interviews from various experts in different niches. You can also get insights from case studies to help you grow your business. Listen to them twice a week!

6. The Digital Marketing Podcast

marketing podcasts

Do you want to be updated on everything digital marketing? The Digital Marketing Podcast is the best podcast to listen to. Know the latest news, updates, stats, and future of marketing. The hosts also discuss current tech trends in marketing to grow your business. Listen to the hosts twice a week!

7. The Affiliate Guy

marketing podcasts

Are you an affiliate marketer and need expert advice and the latest updates on affiliate marketing? You should listen to The Affiliate Guy. Hosted by Matt McWilliams, he has trained over 320,000 affiliates. 

Think of The Affiliate Guy’s podcasts as engaging audio versions of How-To blogs. Additionally, he interviews entrepreneurs and leaders. Plus, he also references case studies to help you understand how they achieved their goals.

8. Marketing Trends

marketing podcasts

The very apt Marketing Trends podcast updates you weekly with new information and insights about marketing! You can listen to CEOs, CMOs, and other thought leaders share best practices and strategies to grow the biggest brands! Know how you can grow as a leader or an ambitious marketer when you get the latest tips for achieving success.

9. Stand The F*ck Out™

marketing podcasts

Are you tired of hearing or reading the same marketing tip or trend and don’t want to use that strategy anymore? Stand The F*ck Out™ gets straight to the point and doesn’t dilly dally when discussing marketing. Louis Grenier hosts the show and provides evergreen topics. You also get to hear from experienced marketers how their teams executed strategies and got the desired results. Listen to this podcast weekly.

10. Social Pros Podcast

marketing podcasts

Are you interested in learning how social media marketers execute their campaigns for big brands? The Social Pros Podcast should be on your radar. Jay and Adam host the show, which you can listen to weekly. Not only do they discuss recent trends and strategies, but they also discuss team management and other personal conversations on being a marketer.

11. Marketing Over Coffee

marketing podcasts

Do you prefer listening to podcasts in the morning during breakfast? Why not listen to Marketing Over Coffee on the side while enjoying a hearty morning meal? Like other podcasts, you’ll hear the latest tech trends like AI and improved marketing tools. Plus, get insights from the experts like Seth Godin, Rand Fishkin, and Ann Handley! Episodes come out weekly!

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Lifestyle

What the Hell Was Magic Dirt? The Black Oxygen Organics Hoax

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magic dirt

It has been years since we experienced the bizarre that was the pandemic, and yet, shady schemes still abound in the form of MLM (multilevel marketing) related to it. If you’ve ever heard or seen Magic Dirt, you’re not alone in wondering what it is all about. 

While we’re now in the era of AI breakthroughs, space tourism, and wearable brain tech, some people still seem to be stuck in the horrid past. Sellers are peddling literal dirt as a miracle health product. Promoted mainly by anti-vax influencers and conspiracy circles, this dirt they call “wellness solution” was sold with pseudoscience, fear tactics, and a generous dose of misinformation.

And yes, it was an MLM. Because of course it was.

Here’s the breakdown of the Magic Dirt controversy—just one of many reasons why multi-level marketing schemes continue to be a red flag for anyone with a functioning sense of skepticism.

Planting The Seeds

From Instagram

It all began in May of 2021 when we were finally getting into the rhythm of our “new normal.” Of course, health was a significant topic of discussion in the media. It’s no surprise that many alternative medicines are gaining popularity on social media. It was during this month that a peculiar brand emerged on the scene. Depictions began circulating with smiling women slathering black mud on their faces, drinking jars of black liquid, and placing their babies’ feet in a tub of black water.

In the captions, they listed the numerous benefits of using this new  “magic dirt.”  And of course, the benefits varied from person to person. You might read one post that credits the dirt with curing her child’s low energy and constipation. Then you might scroll on to read another post claiming that it rejuvenates the skin while calming anxiety. 

One thing these posts had in common was that they contained the hashtag #BOO while providing a shoutout to the company Black Oxygen Organics.

So, what does Black Oxgen Organics have to say about their “magic dirt”? As a brand, they described their product as,

 “the end product and smallest particle of the decomposition of ancient, organic matter.” 

Yeah, it’s purposely vague. In short, Magic Dirt is supposed to be a form of fulvic acid. This is a compound derived from the decayed plants of an Ontario peat bog. Sounds super rejuvenating, right? 

To be fair, fulvic acid is shown to help with allergies and gastrointestinal function. But as with your average MLM, Black Magic Organics has exaggerated these benefits to the tenth power. They’ve taken these benefits and used them to sell 4.5 ounces of literal dirt, sealed in a fancy black bag and stamped with a $110 price tag. And if that didn’t feel like a slap in the face already, this stuff didn’t even come with free shipping!

Magic Dirt is claimed to be safe for anyone of any age. This includes your children and your pets. It’s been said to help heart health, brain function, and pretty much every common health problem in the world.

Of course, with it being 2021 and all, it started getting sent around to anti-vax and COVID-sceptical groups. Instead of seeking treatment for a deadly virus, people were mixing mud into their smoothies and calling it a day. 

The Immediate Downfall

From @blackoxygenorganics on Instagram

As Instagrammers and TikTokers promoted this “cure-all” product, an alarming number of women were eager to become direct sellers. For many, this company was their first introduction to the notorious Multi-Level-Marketing schemes. 

That is, until the professionals got involved. You see, Magic Dirt was not at all FDA approved. And when health regulators from the U.S. and Canada became aware of its popularity, they conducted an investigation. They called for multiple product holds at the border, which in turn gave rise to an army of online skeptics. 

And in typical MLM fashion, Black Oxygen Organics took their money and ran for the hills. Only about six months after its initial success, the company announced that it was officially shutting down. This sparked a significant backlash from online sellers. They grieved the end of miracle supplements, while also petitioning to recover the thousands they had invested in direct selling. 

Unfortunately, most victims of these schemes will likely never recover their money.

The fact of the matter is that Black Oxygen Organics and similar companies are based on a scam. Period. That’s what everyone needs to remember, so they can avoid making the same mistakes as so many others. Always be vigilant for predatory companies.

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Lifestyle

These Anti-MLM Communities Are Saving People from Scams

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a man and a woman scamming

Have you ever stumbled upon an MLM online community? If your answer is no, you’re lucky. But if you did, you’d know that they can be a breeding ground for toxicity. Fortunately for some, a new wave of anti-MLM communities has emerged and is giving the much-needed breath of fresh air. 

These communities include people who use their platforms to warn us about these dangerous schemes. They also provide a support system for those who are still enmeshed in it and trying to find a way out.

If you’re one of the unlucky ones trying to escape or are just curious, check out these four anti-MLM communities that are saving people from scams.

r/antiMLM

I just love Reddit. It provides a window into just about any subculture, no matter how obscure, and connects you with like-minded people from around the globe. It’s honestly the easiest place to find communities with shared interests.

r/antiMLM is just one of the many communities Reddit has to offer. People will post discussions, pictures, and screenshots showcasing the horror of MLMs. The content ranges from lighthearted and funny, to downright sad. Either way, everyone here has the same idea: MLMs are harmful and predatory. Should anyone come across this subreddit, they’ll be way less likely to fall for a pyramid scheme. And by subscribing to said subreddit, they are nearly eliminating all possibilities of going anywhere near an MLM. Subscribers of r/antiMLM are familiar with popular MLM companies, their tactics, and the red flags within the direct marketing industry.  They are quicker to identify this type of scam. 

The Anti-MLM Coalition

From The Anti MLM Coalition

This website is an absolute GODSEND. The Anti-MLM Coalition is an incredible organization filled with educational materials and various resources. You can tell from the homepage alone that they mean business. 

The menu bar provides 8 main website pages. The “Homepage “is filled with their latest articles and a search bar to navigate. “MLM Master List” is exactly what it sounds like: a list of all the known MLM companies in existence. The “MLM or Not?” page brings users to a long article detailing how to spot your typical pyramid scheme.

“Get Help” is a page filled with helpful information. It’s for people who have a loved one trapped in an MLM, or people who wanna take action against these companies. Each link leads to a detailed article on the subject. 

The “Resources” page is a shoutout to various authors, YouTubers, and documentaries. It helps anyone who’s trying to do further research. They have a page dedicated to a very shareable infographic; a great tactic to spread the word around fast. 

The “Activism” page provides a guideline on where and how to take action. They recommend printing cards, reporting, and exposing MLM corporations on social media. The more buzz, the better. 

And of course, they have a “Contact” page in case you need to get in touch.

MLM Lies Exposed

anti-mlm
Image credit: Luca Sammarco on Pexels

Looking for more places to discuss your anti-MLM sentiments? Or just looking for general help without the hassle? Well, here’s the biggest anti-MLM Facebook group. MLM Lies Exposed is an invite-only community with over 30,000 members. It’s a lot like r/antiMLM, in that you can post things involving the false promises and skeevy behavior behind MLMs. I’d recommend this page to anyone who’s more familiar with Facebook or finds it easier to navigate than Reddit.

Anti- MLM Youtube

anti-mlm
Image credit: freestocks.org on Pexels

Now, hear me out. This is not an official community, but if you’re a regular on YouTube, you’ll know that there are different genres of videos. And each of these genres has garnered its own distinct communities.

They’re kinda like cliques. You’ve got gamer bro YouTubers at one table, and you’ve got beauty influencers at another table. You’ve got commentary YouTubers sitting somewhere near the true crime YouTubers and the podcast channels. Somewhere in the corner, you’ve got the anti-MLM spaces. These YouTubers dedicate their channels to spreading awareness about MLMs and other shady corporate behavior. 

Popular YouTube channels include Hannah Alonzo, iilluminaughtii, NOT THE GOOD GIRL,  and Kiki Chanel 

MLM companies often pretend to be a revolutionary force changing the world and their own lives. In truth, they’re just making their distributors continue a cycle of unhappiness and financial ruin. These are the communities that help people who’ve been duped by these false hopes to move on with their lives.

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