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This is one of those episodes that just keeps getting better as it goes. Our guest this week is a Cleveland-based entrepreneurial dentist who is as kind as he is impressive. He invited us into his home to share deep wisdom on wealth, health, and raising a family, culminating in a masterclass on how the '1%' actually get things done. Dr. Louis Malcmacher is a world-renowned educator, businessman, and a true chessed machine. Enjoy! (My thanks to David Wester for the video and audio of this episode and to Chaikel Kaufman and friends for facilitating it!) 👉 ✬ SPONSORS OF EPISODE 108 ✬ ► NQGRG – Halachic estate planning made simple. Protect your family, legally and according to Torah law. Visit https://NQGRG.com or email Shlomo at [email protected] - it's peace of mind! ► BITBEAN – Turn big ideas into scalable, AI-powered software. Learn more at https://bitbean.link/4edg53 ► COLEL CHABAD – Feeding families in Israel since 1788. Make a difference today: https://ColelChabad.org/KosherMoney ✬ Helpful Efforts Out in the World ✬ • Living Smarter Jewish brings free financial coaching to families: https://livingsmarterjewish.org/ • Kosher Debt Help – Honest, agenda-free help if you're in debt: https://www.kosherdebthelp.com/ • Kosher ADHD – Practical guidance for families living with ADHD: https://kosher-adhd.com/ CHAPTERS: 00:00 Intro 00:40 Growing Up in Cleveland 02:10 Going to Public School 03:40 Becoming More Orthodox 04:45 His Father’s Shoe Store 05:20 The First Job 05:57 Other Early Jobs 06:27 Learning From Every Experience 07:29 Going Into Dentistry 08:57 Starting His First Practice 10:26 Leveling Up and Taking Risk 14:27 Reliable Halachic Planning at NQGRG 17:34 His Biggest Mistake 18:25 Taking Risks in Dentistry 19:34 The Opportunity with Ancillary Revenue 22:12 Staying Within the Industry 24:21 Having Tough Conversations 27:13 A Message to Educators 28:58 BitBean Takes Your Big Ideas and Brings Them to Life 29:45 Living in a Materialistic World 35:10 The Costs of Living in Different Places 38:24 Being Involved in Community Work and Finding Time 41:57 Colel Chabad Feeds Thousands of Families in Israel 42:48 The Legacy of Mendy Klein 46:18 Working Your Way Up to Success 48:00 Children With Different Labels Can Achieve Success 49:26 Brush Your Teeth! 50:08 We Do Not Take Care of Ourselves 52:34 Get Things Done 59:02 The Many Talents of the Jewish Nation 59:29 Thank You Dr. Malcmacher 1:01:10 Outro: Takeaways, Sponsors and Giveaway Announcement Follow Kosher Money on TikTok & Instagram: @koshermoneypod Visit our BRAND NEW Website: https://www.livinglchaim.com/ Call-in Hotline: USA 605-477-2100 | UK 0333-366-0154 | Israel 079-579-5088 WhatsApp feedback: 1-914-222-5513 #KosherMoney #JewishWisdom #TorahInsights #Cleveland #Dentists #Malzmacher #Ohio #Advice #MendyKlein #LivingLchaim #KM

This episode of Kosher Money is unlike anything you’ve ever seen. For the first time ever, our guest, Reb Binyomin Gringras, speaks publicly about the inner secrets he’s uncovered after years of scouring hundreds of little-known seforim and speaking with thousands of Torah giants and hidden tzaddikim. Reb Binyomin dives deep into the mysterious world of segulos — ancient Jewish customs believed to bring blessing and success. He shares which ones are real and which are made up. We cover segulos for wealth, children, health, lost items, and much more — plus the power of visiting a tzaddik’s kever and what to daven for there. He also reveals the story of a 19th-century tzaddik who died young but left behind a spiritual masterpiece — a book now being rediscovered that shares practical life advice with profound insights. By the end, you’ll hear stories that will leave your jaw on the floor. Contact: [email protected] ​ Inside Their Homes book: https://amzn.to/45i0bhH​Artscroll’s Pele Yoeitz (Volume 1): https://amzn.to/4sNGDvGArtscroll’s Pele Yoeitz (Volume 2): https://amzn.to/4baKAEnArtscroll’s Pele Yoeitz (Volume 3): https://amzn.to/4bIv030​ CHAPTERS: 00:00 Intro 01:53 Who to Go to for Advice 07:24 People Paying Big Bucks for Frauds 10:10 How to Find Authentic People to Get Help From 13:24 Verifying Where the Money Is Going 16:19 Giving When You Don’t Want to Give 19:25 All About the Ayin Hara Bracelet 21:02 NQGRG 23:24 Why People Go to Mystics 25:44 What Is a Segulah? 28:58 When to and Not to Do a Segulah 30:05 Never Do One You Regret 33:12 The Segulah Book 35:00 Little-Known Segulahs 38:57 Segulah for Wealth 39:40 The Same Segulah Doesn’t Work for Everyone 41:32 Discussing Segulahs with Rav Chaim Kanievsky 43:23 The Bonus App 45:31 Segulah for a Deal to Go Well 48:28 Making Deals with God 52:05 Giving Tzedakah for a Segulah 54:55 The Power of Praying by Graves 58:03 The Hostages Praying at the Pele Yoeitz 1:01:55 Colel Chabad 1:02:48 Who Was the Pele Yoeitz? 1:04:33 The Special Book of the Pele Yoeitz 1:08:48 Learning from the Holy Tzadikim 1:10:23 The Revitalization of Certain Tzadikim 1:12:46 What Is an Ayin Hara? 1:16:13 How an Ayin Hara Works 1:19:23 Be Careful with What You Share 1:22:03 What to Do if You Think You Have an Ayin Hara 1:25:50 Checking Your Mezuzos & Tefillin 1:28:23 Contact Rav Binyomin 1:28:41 Rav Binyomin’s Book 1:29:22 Give to Places You Feel Comfortable With 1:29:50 Making Tzedakah and Business Align 1:31:46 Halachos Regarding Deals 1:32:16 Going to the Pele Yoeitz’s Grave Near the Black Sea 1:33:33 Honoring the Hostages with His Sefer 1:35:50 Outro: Takeaways, Sponsors, and Giveaway 👉 ✬ SPONSORS OF EPISODE 107 ✬  ► BONUS APP – Save money on kosher groceries without clipping coupons. Shop, scan, and get cash back. Download now at https://itsbonustime.com/redirect-to-store.html  ► NQGRG – Halachic estate planning made simple. Protect your family, legally and according to Torah law. Visit https://NQGRG.com or email Shlomo at [email protected] - it's peace of mind!  ► COLEL CHABAD – Feeding families in Israel since 1788. Make a difference today: https://ColelChabad.org/KosherMoney ✬ Helpful Resources✬  ​ Hachzek.com helps you incorporate the study of Mussar into your daily life: https://www.hachzek.com/​ Living Smarter Jewish is free financial coaching: https://livingsmarterjewish.org/ ​ Kosher Debt Help – Honest, agenda-free help if you're in debt: https://www.kosherdebthelp.com/ ​ Kosher ADHD – Practical guidance for families living with ADHD: https://kosher-adhd.com/  Follow Kosher Money on TikTok & Instagram: @koshermoneypod  Visit our BRAND NEW Website: https://www.livinglchaim.com/  Call-in Hotline: USA 605-477-2100 | UK 0333-366-0154 | Israel 079-579-5088  WhatsApp feedback: 1-914-222-5513 #KosherMoney #Segulos #JewishWisdom #TorahInsights #FaithAndReason #RealEmunah #SpiritualScams #JewishTradition #PeleYoetz #PeleYoeitz  #RabbiBinyominGreengras #LivingLchaim #KM

At 24 years old, Dave Katz has already learned lessons about money that many people only discover decades later. In this honest and refreshing conversation, he opens up about success, spending, and what it really means to live with intention. From building a fast-growing business to confronting the emotions behind money, Dave shares how he learned to slow down, budget, and focus on what matters. This conversation hits home on awareness, growth, and the power of being honest with yourself. Contact: [email protected] Simi can be found at https://www.prospr.fit or [email protected] 👉 ✬ SPONSORS OF EPISODE 106 ✬ ► BONUS APP – Save money on kosher groceries without clipping coupons. Shop, scan, and get cash back. Download now at https://itsbonustime.com/redirect-to-store.html ► NQGRG – Halachic estate planning made simple. Protect your family, legally and according to Torah law. Visit https://NQGRG.com or email Shlomo at [email protected] - it's peace of mind! ► BITBEAN – Turn big ideas into scalable, AI-powered software. Learn more at https://bitbean.link/4edg53 ► COLEL CHABAD – Feeding families in Israel since 1788. Make a difference today: https://ColelChabad.org/KosherMoney ✬ Helpful Efforts Out in the World ✬ ​ Living Smarter Jewish brings free financial coaching to families: https://livingsmarterjewish.org/ ​ Kosher Debt Help – Honest, agenda-free help if you're in debt: https://www.kosherdebthelp.com/ ​ Kosher ADHD – Practical guidance for families living with ADHD: https://kosher-adhd.com/ Follow Kosher Money on TikTok & Instagram: @koshermoneypod Visit our BRAND NEW Website: https://www.livinglchaim.com/ Call-in Hotline: USA 605-477-2100 | UK 0333-366-0154 | Israel 079-579-5088 WhatsApp feedback: 1-914-222-5513 #KosherMoneyPod #DaveKatz #JewishBusiness #Entrepreneurship #FinancialSuccess #PersonalGrowth #KosherMoney #LivingLchaim #KM

We explore one of the most sensitive and least discussed topics in Jewish life: money and marriage. ​ Why do so many couples avoid talking about money?​ What do fights about money really represent?​ How can couples build financial trust and literacy before and during marriage?​ What role should community education play in preparing young people for real-world financial responsibility? To unpack all this, we sat down with Sarah Nissel, an attorney, law professor at Pepperdine, and Executive Director of the Jewish Divorce Assistance Center of Los Angeles. After mediating over 300 divorces, Sarah has learned what truly makes (and breaks) relationships when it comes to money + how self-awareness, communication, and education can prevent heartbreak. She shares candid lessons from the front lines: how to talk about money without shame, how to manage conflict constructively, and why the chuppah isn’t the finish line, it’s the starting line. It’s a powerful, eye-opening conversation about emotional intelligence, financial transparency, and Torah values in Jewish relationships — not just how to avoid divorce, but how to build marriages that actually thrive. 👉 ✬ SPONSORS OF EPISODE 105 ✬ ► TWILLORY – Premium menswear that looks sharp and feels even better. End-of-year savings live now at https://Twillory.com/KosherMoney ► THE DONOR'S FUND – The Donor’s Fund gives you one place to manage all your giving, with a sleek app and smart tools that make donations strategic and seamless. 🎁 Open your free account today: https://thedonorsfund.org/koshermoney ► BITBEAN – Turn big ideas into scalable, AI-powered software. Learn more at https://bitbean.link/4edg53 ► COLEL CHABAD – Feeding families in Israel since 1788. Make a difference today: https://ColelChabad.org/KosherMoney CHAPTERS: 00:00 Intro 01:53 Who Is Sarah Nissel? 02:27 Practicing Law in Los Angeles 04:10 A Decade of Experience in Family Law 04:24 What Lawyers See Behind Closed Doors 05:18 The Lack of Financial Education 05:56 When One First Goes to a Divorce Lawyer 07:23 Men vs. Women Divorce Misconceptions 07:42 Tips for a Healthier Marriage 11:45 Advice for Newlyweds 12:56 Improving Conflict Resolution Skills 18:28 How Frum Couples Manage Money 21:07 Why Wives Should Know the Finances 24:20 Twillory 25:33 The Donors Fund 27:52 Modeling Healthy Money Habits 29:34 Being Honest About Debt With Your Spouse 31:32 Understanding Your Appetite for Risk 34:33 How to Guide an Amicable Divorce 37:24 Prenups in the Orthodox Community 40:00 What Sarah Wants Her Children to Know 41:35 When Parents Stop Financial Support 44:14 Separate Bank Accounts 48:35 Setting Up Newlyweds for Financial Success 51:05 BitBean 51:53 Colel Chabad 52:43 It Is Never Too Late 55:58 Starting Financial Education Earlier 59:03 Moving Forward Toward Peace 1:02:39 Amazing Jewish Resources 1:05:52 How Sarah Helps People 1:06:23 You Do Not Need to Recreate the Wheel 1:08:01 Why Sarah Stays Away From AI 1:09:26 Sarah’s Nonprofit Work 1:09:52 Sarah’s Book Recommendations 1:12:36 The Advantages of the Jewish Community 1:14:04 Sarah’s Remarkable Yichus 1:19:26 Thanking Sarah for Joining Us 1:19:49 Outro ​ Learn more about Sarah’s organization: https://www.jdacla.org/​ One of Sarah's favorite books, The Anxious Generation: https://amzn.to/4qnGOv ✬ Helpful Efforts Out in the World ✬ ​ Living Smarter Jewish brings free financial coaching to families: https://livingsmarterjewish.org/​ Kosher Debt Help – Honest, agenda-free help if you're in debt: https://www.kosherdebthelp.com/​ Kosher ADHD – Practical guidance for families living with ADHD: https://kosher-adhd.com/ Follow Kosher Money for short clips: TikTok & Instagram: @koshermoneypod Visit our NEW Website: https://www.livinglchaim.com/ Call-in Hotline: USA 605-477-2100 UK 0333-366-0154 Israel 079-579-5088 WhatsApp feedback: 1-914-222-5513 #KosherMoneyPod #JewishMarriage #FinancialWellness #MoneyTalks #TorahValues #KosherMoney #LivingLchaim #KM

We dive into one of the most important parts of personal finance: building wealth that actually lasts. - Is it possible to grow wealth quickly? - How can ordinary people invest wisely in 2026? - What does it really mean to “pay yourself first”? - Which investing mistakes do most people make? To walk us through it, we sat down with Jonathan Shenkman, a financial adviser who has spent nearly two decades helping families take control of their money. He explains how to set up savings that run automatically, how to choose the right investment accounts, and why keeping things simple often beats trying to outsmart the market. We also talk about how to organize your accounts, communicate about money with your spouse, and spend in a way that feels both responsible and enjoyable. It is a straightforward, practical conversation that gives real-world guidance (not advice, duh) on how to save, invest, and live with financial peace of mind, with God's help. ► THE BUSINESS ORGANIZER – Feeling stuck in your own business? You're not alone. Sruly Schonfeld helps overwhelmed entrepreneurs get unstuck. Whether you speak English or Yiddish, he's reportedly phenomenal. Visit ⁠https://SrulySchonfeld.com to learn more. Email ⁠[email protected] or call 347-939-9959 for your business therapist. You can also WhatsApp Sruly here: ⁠https://wa.link/rk1grx ⁠► TWILLORY – Premium menswear that works hard and looks even better. Grab year-end deals and bundled savings at https://Twillory.com/KosherMoney ► BITBEAN – Turn your business ideas into custom software that scales. Learn more: https://bitbean.link/4edg53 ► COLEL CHABAD – Supporting families in Israel since 1788. Give today and make a real difference: https://ColelChabad.org/KosherMoney Email Jonathan here: [email protected] His firm's site: https://www.parkbridgewealth.com His previous KM episode: https://youtu.be/b_Wlgtb1D6Y Get his new book on Amazon: https://amzn.to/4pNQTBR Get his new book on his site: https://jonathanonmoney.com/ Get more ⁠@JonathanOnMoney⁠ here: X: https://x.com/jonathanonmoney Instagram: https://www.instagram.com/jonathanonmoney YouTube: https://www.youtube.com/@JonathanOnMoney LinkedIn: https://www.linkedin.com/in/shenkman Newsletter: https://tinyurl.com/NewsltrJS Webinars: https://tinyurl.com/WbnrsJS Apple Podcasts: https://tinyurl.com/AppleJSpods Spotify: https://tinyurl.com/SpotifyJS26 Articles Mentioned in Episode: Target Date Funds: https://tinyurl.com/ForbesJS Things VS. Experiences: https://tinyurl.com/JewishPressJS Jonathan Clements’ final blog post: https://humbledollar.com/forum/farewell-friends/ ✬ Helpful Efforts Out in the World ✬ Kosher Debt Help offers people honest, agenda-free guidance for Jewish families struggling with debt. Get an assessment and personalized direction at ⁠https://www.kosherdebthelp.com⁠ Get a free Jewish financial coach from the OU: ⁠https://livingsmarterjewish.org/⁠ Kosher ADHD helps Jewish families and educators better understand and thrive with ADHD through practical guidance and compassionate support. Learn more at ⁠https://kosher-adhd.com⁠ or order their book at ⁠https://kodeshpress.com⁠ using code ADHD25 for 25% off. BRAND NEW Living Lchaim site: ⁠https://www.livinglchaim.com/⁠ Support Kosher Money's production: ⁠https://www.livinglchaim.com/donate⁠ Follow us for awesome, short clips:TikTok: @koshermoneypodInstagram: @koshermoneypod Call-in-to-listen Hotline:USA: 605-477-2100 | UK: 0333-366-0154 | Israel: 079-579-5088 WhatsApp feedback: +1 (914) 222-5513 All investment strategies and investments involve risk of loss. Nothing contained in our content, ads and videos should be construed as investment or actual life advice. #KosherMoneyPod #Investing #JewishWisdom #FinancialFuture #KosherMoney #KM

We dive into one of the most stressful and expensive parts of American life: healthcare. ​ Why are families paying $48,000 a year just to stay insured?​ Why does the system feel so broken?​ Is there another way? To help us figure it out, we sat down with Moishe Katz, the CEO of United Refuah Healthshare. It’s one of those episodes that makes you say, “Wait… how did I not know about this sooner?” 👉 Explore all the links & resources in this episode below. ✬ SPONSORS ✬ ► TWILLORY – Grab year-end deals and bundled savings at https://Twillory.com/KosherMoney - No promo code needed! ► THE DONOR'S FUND – The Donor’s Fund gives you one place to manage all your giving, with a sleek app and smart tools that make donations strategic and seamless. 🎁 Open your free account today: https://thedonorsfund.org/koshermoney ► BITBEAN – Turn your big ideas into custom software that scales. BitBean builds tools that make business smarter. Learn more: https://bitbean.link/4edg53 ► COLEL CHABAD – Supporting families in Israel since 1788. Give today and make a real difference: https://ColelChabad.org/KosherMoney - Oh, and grab tickets for the Nafshi concert here: https://colelchabad.events/ ✬ LINKS FROM EPISODE 103 ✬ United Refuah’s website: https://unitedrefuahhs.org/ Email: [email protected] For doctors interested in being added to United Refuah’s preferred provider network: [email protected] Eli referenced a video of a Dr. Potter: https://youtu.be/tsvAatLY5s4 CHAPTERS: 00:00 Intro 01:01 Americans Are Spending So Much on Health Insurance 01:48 The Stats 02:43 Health Insurance Costs 04:06 What a Health Share Is 05:16 Why United Refuah Started 10:06 How the Health Share Model Works 15:30 Making Sure Everyone Gets Care 17:32 Self Pay vs Insurance 19:40 Understanding the Costs 20:20 Its Many Members 20:50 What Happens When More People Join 23:15 Twillory 24:28 The Donors’ Fund 26:48 Incentives for Bringing in New Members 29:05 Increasing Staffing at United Refuah 29:45 What Is the Catch? 32:46 Preexisting Conditions and Family Members 34:17 Other Downsides of Healthshares 37:19 Keeping Track of Payments 39:28 Communicating with Providor 42:18 Typical Out of Pocket Costs 45:35 Determining Fair Prices 46:35 How to Protect Yourself From Overpaying 48:28 BitBean Uses AI to Help Your Business 49:16 Colel Chabad Helps Feed Thousands 51:14 Are Contributions Tax Deductible 52:10 Health Shares and Medication Costs 55:02 Pregnancy and Growing Families 58:10 Dental and Vision Sharing 01:00:30 Doctors Joining the Referred Provider Network 01:00:41 Surveying the Members 01:01:40 Gifting Memberships 01:02:08 Know Your Plan and Deductibles 01:07:47 Never Be Afraid to Ask for Discounts 01:10:10 Member Access to Telehealth 01:10:35 Reaching Out for Medications 01:11:04 Where CPAP Machines Fall 01:12:00 How United Refuah Compares to Other Healthshares 01:14:12 “We’re All In This Together” 01:15:24 Sharing Health Messages With Members 01:16:56 Making Sure Everything Is Legal 01:18:17 Dealing With Emergencies 01:19:46 Reaching Out to United Refuah 01:20:23 How R’ Katz Got Into Health Care 01:22:22 Changing Your Mindset About Others’ Medical Costs 01:23:43 Outro ✬ RESOURCES ✬ Finally! Kosher Debt Help offers people honest, agenda-free guidance for Jewish families struggling with debt. Get an assessment and personalized direction at ⁠https://www.kosherdebthelp.com⁠ Get a free Jewish financial coach from the OU: ⁠https://livingsmarterjewish.org/⁠ Kosher ADHD helps Jewish families and educators better understand and thrive with ADHD through practical guidance and compassionate support. Visit https://kosher-adhd.com⁠ or order their book at ⁠https://kodeshpress.com⁠ using code ADHD25 for 25% off. New website: ⁠https://www.livinglchaim.com/⁠ Support Kosher Money: ⁠https://www.livinglchaim.com/donate⁠ Reminder: This episode or description is not financial advice. Always do your own research. #KosherMoney #LivingLchaim #KM

In our latest episode of Kosher Money, we sit down with Rabbi Shais Taub — one of the most sought-after Jewish thinkers of our time — to explore one of life’s most misunderstood topics: money. What's the deal with Jews AND money? Should we care what people say about it? Is money spiritual or material? Why does the Torah’s view of wealth differ so radically from society’s? In this eye-opening and deeply soulful conversation, Rabbi Taub reveals that money is not evil — it’s energy. It’s potential that can build worlds or burn them down. ✬ SPONSORS ✬ ► THE BUSINESS ORGANIZER – Feeling stuck in your own business? You're not alone. Sruly Schonfeld helps overwhelmed entrepreneurs get unstuck. Whether you speak English or Yiddish, he's reportedly phenomenal. Visit ⁠https://SrulySchonfeld.com to learn more. Email ⁠I⁠[email protected] or call 347-939-9959 for your business therapist. You can also WhatsApp Sruly here: ⁠https://wa.link/rk1grx⁠ ► TWILLORY – Premium menswear that works hard and looks even better. Visit https://Twillory.com/KosherMoney for end-of-year deals! ► EVERGREEN KOSHER – Your one-stop shop for all things kosher. Now delivering to more communities than ever! Visit https://EvergreenKosher.com or email ⁠[email protected]⁠ ► COLEL CHABAD – Supporting families in Israel since 1788. Give today: https://ColelChabad.org/KosherMoney ✬ LINKS ✬ Rabbi Taub’s website: ⁠https://www.soulwords.org⁠ His YouTube: ⁠https://youtube.com/@SoulWords Shaar HaBitachon (Gate of Trust): ​ Playlist: ⁠https://youtube.com/playlist?list=PL1he-JRtnKegzLXc4NPIQhcadCJz6s4pM⁠ ​ Spotify Playlist: ⁠https://open.spotify.com/show/45LOnt0qLpbUTx2wV6OLL⁠ Items to Purchase: ​ Rabbi Taub's favorite: Gate of Trust Book (The Felig Edition)  – ⁠https://amzn.to/483tIgG⁠​ “More Bitachon” Framed Art Print – https://HaveMoreTrust.com​ One of Eli’s favorite seforim, the English Pele Yoeitz – ⁠https://amzn.to/3LtaUid⁠ CHAPTERS: 00:00 Intro 01:17 Money Is Energy 02:46 Critics Who Target Jews & Money 07:15 Respect Your Money 08:56 Dealing With Hateful Comments 10:01 Jews and Philanthropy 12:02 Why Money Gets a Bad Rap 14:50 Using Money to Impress Others 17:05 Rich Men and Beautiful Women Share the Same Struggles 19:45 Feel Stuck in Your Company? The Business Organizer Helps 23:08 Freshen Up Your Wardrobe at Twillory 24:33 Why Workaholic Behavior Does Not Work 31:03 Overworking Does Not Create a Bigger Vessel 32:31 Reverse Engineering Your Money 36:58 Cutting Unnecessary Workers and Codependent Relationships 40:34 Self Esteem Is Key 42:10 Identity Culture in America 43:32 When the Wealthy Become Poor 44:47 Evergreen Makes Kosher Easy 46:53 Colel Chabad Helps Feed Thousands of Families 48:07 What Will Exist in the Messianic Era 51:40 Money Will Mean Something Else in the Future 53:55 The Jewish Attitude Toward Money 56:16 A World Without Corruption 58:23 Book Recommendations 01:01:20 Credentials and Platform 01:03:28 Live With Clarity 01:03:35 His Website 01:04:43 The Rebbe’s Letter 01:07:16 The More You Give the More You Get 01:09:44 The Neglected Demographic 01:12:12 Fundraising Smartly 01:14:50 Your Spiritual Sense of Self 01:16:53 Outro ✬ RESOURCES ✬ Kosher Debt Help offers people honest, agenda-free guidance for Jewish families struggling with debt. Get an assessment and personalized direction at ⁠https://www.kosherdebthelp.com⁠ Get a free Jewish financial coach from the OU: ⁠https://livingsmarterjewish.org/⁠ Kosher ADHD helps Jewish families and educators better understand and thrive with ADHD through practical guidance and compassionate support. Learn more at ⁠https://kosher-adhd.com⁠ or order their book at ⁠https://kodeshpress.com⁠ using code ADHD25 for 25% off. Our new website: ⁠https://www.livinglchaim.com/⁠ Support Kosher Money: ⁠https://www.livinglchaim.com/donate⁠  Reminder: This episode or description is not financial advice. Always do your own research. #KosherMoney #JewishPodcast #km #LivingLchaim

We take you out of town to Columbus, Ohio, one of America’s most surprising, affordable, and fast-growing Jewish communities. If you’ve ever wondered what out-of-town Jewish life really looks like, this episode will open your eyes. Rabbi Avi Goldstein and Meir Perlmutter share how Columbus became a thriving hub of Orthodox life, complete with kosher restaurants, strong schools, affordable homes, and a deep sense of connection. We explore: 🏡 Why housing in Columbus costs a fraction of what it does in Lakewood or the Five Towns 💰 How families are saving tens of thousands of dollars in tuition in Ohio 👨‍👩‍👧‍👦 What it means to raise kids in a community where everyone knows your name 🌟 How two passionate community builders helped turn a small Midwest city into a center of Jewish growth Columbus appears to offer a calmer, more intentional Jewish lifestyle with less financial pressure and more opportunities to start something big. If you’ve ever said, “I could never leave the tri-state,” this episode might make you think again. Visit https://www.columbuspathways.org/ to learn more. You can also email Rabbi Goldstein at [email protected] or contact 614-448-8396. And, no, this wasn't a paid episode. We don't do paid episodes. :-) Here's our special episode with Rabbi Moshe Hauer zt"l: https://youtu.be/G2Xt_SGD5jw ✬ SPONSORS OF EPISODE 101 ✬ ► TWILLORY – Premium menswear that works hard and looks even better. Use promo code CHAI20 at Twillory.com/KosherMoney for 20% off your first order. ► BITBEAN – Turn your big ideas into custom software that scales. Whether you’re in healthcare, finance, or retail, BitBean builds tools that make business smarter. Learn more: https://bitbean.link/4edg53 ► EVERGREEN KOSHER – Your one-stop shop for all things kosher. Fresh, fast, and now delivering to more communities than ever before. Visit https://www.evergreenkosher.com/ or email [email protected] to get connected! ► COLEL CHABAD – Supporting families in Israel since 1788. Your donation makes a real difference. Give today: colelchabad.org/koshermoney 💬 Support Kosher Money and help us make more inspiring episodes: livinglchaim.com/donate CHAPTERS: 00:00 Intro 01:13 Who Is Rabbi Avi Goldstein? 02:32 Finding Himself in Columbus, Ohio 03:20 How Meir Perlmuter Ended Up in Columbus 05:26 The Facts About Columbus 06:18 Orthodox Community That Got It All Started 08:06 What Jewish Life in Columbus Looks Like 11:23 The Number of Orthodox Jews in Columbus 12:10 Housing Costs in Columbus 14:03 Spreading the Word to Join the Community 17:04 Kosher Food & The Growth Mentality 20:58 Twillory’s High-Quality Clothing 22:23 BitBean Brings Your Ideas to Life 23:14 What Tuition Looks Like in Columbus 26:57 Resources in Schools for Special Needs 27:14 The Pace of Life in Columbus 29:54 Columbus Is Not a Cookie-Cutter Place 32:10 Emergency Services in Columbus 34:00 Why People Choose to Live Out of Town 36:29 How Can an Introvert Move Out of Town? 38:40 Columbus Is Not That Far 39:25 The Weather in Columbus, Ohio 39:35 No More State Income Tax? 40:00 Job Opportunities in Columbus 42:11 Women in the Workforce 42:54 Helping Each Other Get Jobs 44:02 Who Adapts Best to the Move 44:52 Evergreen Can Deliver to Your Community! 46:59 Colel Chabad Helps 1000s 48:13 Jewish Communities Communicating 50:05 Spending Shabbos in Columbus 53:34 The Uniqueness of Columbus 55:30 The Community Is Invested in Education 57:07 The Switch from New York to Ohio 1:00:02 Opportunity to Live a Happy, Fulfilling Life 1:02:17 Remembering Rabbi Moshe Hauer ZT”L 1:09:36 Where You Can Learn More 1:10:28 Outro: Takeaways + Sponsors + Subscribe! 🎓 Get free Jewish financial education resources: LivingSmarterJewish.org 📞 Call-in-to-listen Hotline: USA: 605-477-2100 | UK: 0333-366-0154 | Israel: 079-579-5088 📤 WhatsApp feedback: +1 (914) 222-5513 ⚠️ Reminder: This episode or description is not financial advice. #KosherMoney #JewishPodcast LivingLchaim

In our 100th Kosher Money episode, we chat with Richard Simon, a guy who went completely offline for a year. What he learned might totally change how you see your phone. We were promised connection and convenience, but most of us just feel more anxious and distracted. In his book Unplug, Richard talks about how our devices quietly steal our focus and shape our lives without us even realizing it. If you’ve ever felt glued to your phone, this episode might be the nudge you need to finally take a break. Get the book: https://amzn.to/4naAcPc Contact: [email protected] ✬ SPONSORS OF EPISODE 100 ✬ ► BITBEAN – BitBean is the go-to team for custom software that actually works for your business. Whether you're in healthcare, finance, or retail, they’ve built powerful platforms that scale smart. Connect here: https://bitbean.link/4edg53 ► TWILLORY – Premium men's wear that works hard and looks even better. Use promo code CHAI20 at https://Twillory.com/KosherMoney for 20% off your first order. Enjoy! ► MONEY HALACHA – Real people have real money questions & Money Halacha has real Torah answers. Get short, practical 1–4 minute halacha clips straight to your phone every week via WhatsApp: https://MoneyHalacha.com/Join ► COLEL CHABAD – Our brothers and sisters in Israel need us more than ever. Every dollar makes a difference at https://colelchabad.org/koshermoney so please give what you can. Thank You! CHAPTERS: 00:00 Intro 01:29 The Moment Richard Realized He Was in Control 03:23 People’s Outrageous Screen Time 03:50 Forgetting What Life Was Like Before Phones 04:49 What Happens to Our Brains When We Use Our Phones 06:00 How Richard’s Smartphone Affected His Career 07:09 Attention Residue 11:09 You CAN Be More Focused 12:33 This MLB Player’s Big Decision 16:50 Why Get Rid of Your Phone Completely? 20:30 BitBean – Bringing Your Big Ideas to Life 21:23 Twillory – Look Good & Feel Good 22:48 Letting Go of Technology Frees Your Mind 28:00 How to Break Up With Your Phone 33:35 The Awareness of Phone Addiction 35:27 The Challenge of Giving Up His Smartphone 37:15 What Richard Used Instead of His Apps 39:05 How His Wife Was Influenced 39:53 Should We Give Our Children Smartphones? 47:02 Girls vs. Boys – Conversations and Smartphones 47:46 Money Halacha – Weekly Halacha Clips 49:06 Colel Chabad – Feeding Thousands of Families 50:21 How the Corporate World Is Unplugging 52:10 The Different Smartphone Breakup Styles 53:40 Addiction vs. Self-Control 54:19 Saving Money by Going Phone-Less 55:05 What Richard Did With His New Free Time 57:20 Quietness Leads to the Best Results 59:42 Why People Struggle to Let Go of Their Phones 1:00:01 The First Step to a Healthier Relationship 1:04:55 Pros and Cons of ChatGPT 1:07:40 What Richard Would Tell His Younger Self 1:08:22 How He Helps People Work on Their Phone Addiction 1:10:31 Ways to Make Using Your Phone Less Tempting 1:12:38 Richard’s Must-Have Book 1:13:27 How to Contact Richard 1:13:38 Why Richard Doesn’t Have Social Media 1:15:02 Richard’s Next Book? + Recs 1:16:39 Outro: Contest & New Winner ✬ Support the show! - https://www.livinglchaim.com/donate Need financial clarity? Visit LivingSmarterJewish.org for free resources. Follow Kosher Money for bonus clips: TikTok: https://www.tiktok.com/@koshermoneypod Instagram: https://www.instagram.com/koshermoneypod Call-In-To-Listen Hotline: USA: 605-477-2100 | UK: 0333-366-0154 | Israel: 079-579-5088 WhatsApp feedback: 1-914-222-5513 Reminder: This episode or description is not financial advice. Always do your own research. #DigitalDetox #PhoneAddiction #FocusAndSuccess #ProductivityTips #AttentionEconomy #MindfulLiving #DeepWork #SelfImprovement #KosherMoney #LivingLchaim #JewishPodcast #JewishFinance #MoneyMatters #FinancialFreedom #PersonalGrowth #SuccessHabits #TimeManagement #MentalClarity #WorkLifeBalance #KM #DiaryOfACEO #UnpluggedLife #DigitalMinimalism #RichardSimon #SmartphoneAddiction

In this episode, you’ll hear the stories of people who finally got their budget under control, but are still staring at tens of thousands in old debt they can’t shake. Debt advisor David Siegel explains the tough options left on the table: lowering interest through programs, negotiating settlements, or, when nothing else works, starting fresh with bankruptcy. Contact David at [email protected] ✬ SPONSORS OF EPISODE 99 ✬ ► TWILLORY – Premium men's wear that works hard and looks even better. Use promo code CHAI20 at https://Twillory.com/KosherMoney for 20% off your first order .► BITBEAN – Got big ideas but clunky systems holding you back? BitBean is the go-to team for custom software that actually works for your business. Whether you're in healthcare, finance, or retail, they’ve built powerful platforms that scale smart. Dive into real case studies and connect with their expert team here: https://bitbean.link/4edg53 ► ZStander – Beautiful Judaica and home pieces for everyday life and special occasions. From wine fountains to candlesticks, honey dishes to bentchers, ZStander makes gorgeous items that are built to last and can even be personalized. Use promo code KOSHER at https://zstander.com/discount/KOSHER for 10% off. ► COLEL CHABAD – Our brothers and sisters in Israel need us more than ever. Every dollar makes a difference at https://colelchabad.org/koshermoney/ CHAPTERS:00:00 Intro01:21 Has America Lost Its Mind on Debt?04:28 Are Credit Card Companies Setting You Up?06:35 Who David Actually Advises08:09 The Shame People Feel Around Debt09:57 Making Sense of Debt in Simple Terms11:57 Why Budgeting Is the Key to Freedom14:01 How Money Problems Hurt Marriages16:31 Twillory Clothing Is Being Spotted Worldwide17:33 Bitbean + AI Innovation18:48 3 Practical Solutions for Debt19:35 How to Lower Your Interest Rate25:45 The Real Problems With DMPs29:00 Should You Consolidate Your Credit Cards?30:08 Going to a Gemach for Help32:12 More Ways to Cut Down Your Interest Rate33:27 Using a Home Equity Line of Credit (HELOC)36:35 Pros and Cons of a HELOC Explained39:10 Don’t Let Bills Control Your Life40:42 The Risks of Borrowing From Family42:42 Unique & Beautiful Judaica Items from ZStander44:45 Colel Chabad: Feeding Thousands of Families45:53 The Dangers of Debt Settlements51:40 Why You Should Start With a DMP52:43 What Bankruptcy Really Means54:21 Who Actually Qualifies for Bankruptcy56:50 Why You Shouldn’t Rush Into Bankruptcy57:22 Legal Steps When Filing for Bankruptcy58:36 Reasons Not to File for Bankruptcy1:01:35 Bankruptcy Issues in Orthodox Communities1:05:01 The Stigma: Bankruptcy vs. Settlement1:05:17 Why Using Credit Responsibly Matters1:06:41 How Shmittah Connects to Bankruptcy1:07:29 Don’t Run Away From Financial Problems1:08:01 The Living Smarter Jewish Resource1:08:54 How to Handle Medical Debt1:09:37 What’s Changing With Student Loans1:11:02 Fun Facts About David1:11:33 Where You Can Find David1:12:08 Outro: Final Thoughts + Prizes • GET LIFE INSURANCE! ⟶ Project 120's site: https://www.theproject120.com/ • GET A WILL! ⟶ https://youtu.be/bHdpPuvKGVM ✬ Support the show! Help us create more episodes like this: https://www.livinglchaim.com/donate 💬 Need financial clarity? Visit LivingSmarterJewish.org for free resources.📲 Follow Kosher Money for bonus clips & behind the scenes: TikTok: https://www.tiktok.com/@koshermoneypodInstagram: https://www.instagram.com/koshermoneypod 📞 Call-In-To-Listen Hotline: USA: 605-477-2100 UK: 0333-366-0154 Israel: 079-579-5088 📤 WhatsApp feedback: 1-914-222-5513 ⚠️ Reminder: This episode or description is not financial advice. Always do your own research. #KM

In this episode, you’ll hear how Dovid Lichtenstein went from selling encyclopedias door to door to owning billions in real estate, and why he tore up a food stamp application instead of playing it safe. Want to build wealth and keep your soul intact? Let’s get into it. (And yes, he actually paid off a 100 million dollar personal debt. With one check.) Watch more of Dovid's Jewish wisdom on Off The Page's pages! Instagram: https://www.instagram.com/weareoffthepage/ TikTok: https://www.tiktok.com/@weareoffthepage ✬ SPONSORS OF EPISODE 98 ✬ ► BITBEAN – Got big ideas but clunky systems holding you back? BitBean is the go-to team for custom software that actually works for your business. Whether you're in healthcare, finance, or retail, they’ve built powerful platforms that scale smart. Dive into real case studies and connect with their expert team here: https://bitbean.link/4edg53 ► TWILLORY – Premium men's wear that works hard and looks even better. Use promo code CHAI20 at https://Twillory.com/KosherMoney for 20% off your first order. ► MIAMI LAKES – Looking to relocate to Florida without sacrificing space or community? Discover Miami Lakes, a hidden gem with a warm Orthodox Jewish community. Call Berel Follman at 631-485-4482 or check it out on Zillow. Great homes. Great people. A bright future be"H! ► COLEL CHABAD – Our brothers and sisters in Israel need us more than ever. Every dollar makes a difference at https://colelchabad.org/koshermoney/ Chapters: 00:00 Intro 01:10 Who Is Dovid Lichtenstein? 03:50 A Lesson in Valuing Money 04:48 Dovid’s Upbringing and Family Background 06:15 Life Right After Marriage 07:34 Everyone Needs to Write Their Own Story 08:13 Getting His First Job 09:22 Don’t Let Fear Rule You 11:44 Entering Real Estate 15:15 Everyone Was Brought Here for a Mission 16:04 BitBean, the AI Masters 17:18 High-Quality Clothes from Twillory 18:18 Looking Back at Life Before Work 19:37 Making Waves in the Business World 21:14 Leaning Into Fame and Fortune 24:20 You Are Not Your Money 24:54 Following the Trends of the World 25:40 Accumulating and Getting Past Credit Card Debt 26:45 The Decision to Leave Lakewood 28:20 The Power of Curiosity 31:27 Looking Back at Past Mistakes 34:03 Having the Confidence to Take Risks 38:42 Losing 100 Million Dollars 41:34 Getting Back Up After Crashing Down 42:45 Beautiful Homes for Sale in Miami Lakes, Florida 44:15 Colel Chabad Feeding Thousands of Families 45:22 The AI Revolution 46:06 Building His Company Back Up 46:50 Jumping on Different Investing Projects 48:45 Learning to Be Happy with What You Have 49:52 Realizing It’s Not All About Honor and Glory 52:06 Why Does Dovid Continue to Work? 56:01 Is AI Messianic? 56:39 Learning to Say I Don’t Know 57:42 Effort vs. G‑d Providing for You 1:01:44 Make Your Own Luck 1:03:48 Keeping His Family Grounded in Reality 1:05:55 Dovid’s Family Members’ Various Businesses 1:07:07 The Different Levels of Giving to Charity 1:10:37 Learning from Rabbi Y.Y. Jacobson 1:11:30 What Is Off the Page? 1:14:50 We Need to Be Louder and Kinder in Our Judaism 1:16:24 Outro ​GET LIFE INSURANCE! ⟶ Project 120's site: https://www.theproject120.com/​GET A WILL! ⟶ https://youtu.be/bHdpPuvKGVM ✬ Support the show! Help us create more episodes like this: https://www.livinglchaim.com/donate 💬 Need financial clarity? Visit LivingSmarterJewish.org for free resources. 📲 Follow Kosher Money for bonus clips & behind the scenes: TikTok: https://www.tiktok.com/@koshermoneypod Instagram: https://www.instagram.com/koshermoneypod 📞 Call-In-To-Listen Hotline: USA: 605-477-2100 | UK: 0333-366-0154 | Israel: 079-579-5088 📤 WhatsApp feedback: 1-914-222-5513 ⚠️ Reminder: This episode or description is not financial advice. Always do your own research. #finance #money #investing #financialfreedom #jewish #judaism #torah #JewishFinance #KosherMoney #LivingLchaim #WeAreOffThePage #DovidLichtenstein #wisdom #torah #Forbes #podcast

In this episode, I opened a retirement account live on camera, and by the end of this it you'll know more than 99% of your friends about investing. Ready to retire a millionaire? Let's dig in.(Please don't ignore this if you're young. I promise you'll thank us when you're nicely aged.)Shimon Willig's contact info: [email protected]✬ SPONSORS OF EPISODE 97 ✬► TWILLORY – Premium men's wear that works hard and looks even better. Use promo code CHAI20 at Twillory.com/KosherMoney for 20% off your first order.► BITBEAN – Got big ideas but clunky systems holding you back? BitBean is the go-to team for custom software that actually works for your business. Whether you're in healthcare, finance, or retail, they’ve built powerful platforms that scale smart.👉 Dive into real case studies and connect with their expert team here: https://bitbean.link/4edg53► MIAMI LAKES – Looking to relocate to Florida without sacrificing space or community? Discover Miami Lakes, a hidden gem with a warm Orthodox Jewish community. Call Berel Follman at 631-485-4482 or check it out on Zillow. Great homes. Great people. A bright future be"H!► COLEL CHABAD – Our brothers and sisters in Israel need us more than ever. Every dollar makes a difference at https://colelchabad.org/koshermoney/CHAPTERS:00:00 Intro01:15 Who Is Shimon Willig?02:35 The Role of a Financial Advisor12:19 How These Firms Make Money14:58 Helping People Open an IRA17:16 High-Quality Clothes from Twillory18:17 BitBean: Industry Leader in Software Development19:33 Getting Started with Opening an IRA27:25 The Benefits of a Roth IRA29:46 Which Account to Open...33:45 Qualifying (Early) Withdrawals34:31 The Costs of Roth IRA + How They Make $$$36:35 What You Need to Open a Roth IRA36:50 Choosing IRA Beneficiaries43:06 Conversations with Parents About $$$46:44 Owning a Home in Miami Lakes, Florida48:12 Colel Chabad: Feeding Hundreds of Families49:23 Providing Personal Information and Authenticating Your Account52:57 Adding a Trusted Contact53:56 Adding Beneficiaries and Dividing Assets56:30 Adding Employment Information57:20 The Importance of Paper Documents58:15 Adding Trading Features59:39 Reviewing Your Information59:58 Reading and Agreeing to the Boring Stuff1:03:11 Adding Funds to Your Account1:04:54 Naming Your Accounts1:06:21 Setting Up Your Transfer1:07:44 Opening an Individual Brokerage Account1:11:28 Choosing a Retirement Age1:13:24 Tips on Investments and Assets1:17:34 What Is an Expense Ratio?1:19:26 Creating an Account for a Minor1:23:54 Automating Your Accounts1:26:12 VOO vs. SPY Expense Ratios1:28:10 What Is a Cowboy Account? 1:30:45 The Importance of Life Insurance1:31:21 Project120's Mission1:35:09 Outro GET LIFE INSURANCE! ⟶ Project 120's site: https://www.theproject120.com/✬ Support the show! Help us create more episodes like this: https://www.livinglchaim.com/donate💬 Need financial clarity? Visit LivingSmarterJewish.org for free resources.📲 Follow Kosher Money for bonus clips & behind the scenes:TikTok: https://www.tiktok.com/@koshermoneypodInstagram: https://www.instagram.com/koshermoneypod📞 Call-In-To-Listen Hotline:USA: 605-477-2100 | UK: 0333-366-0154 | Israel: 079-579-5088📤 WhatsApp feedback: 1-914-222-5513⚠️ Reminder: This episode or description is not financial advice. Always do your own research.#RetireRich #MillionaireMindset #FinancialIndependence #InvestSmart #RothIRA #TraditionalIRA #WealthPlanning #MoneyTips #PersonalFinance #SmartInvesting #BuildWealth #RetirementPlanning #KosherMoney #JewishFinance #LivingLchaim

Most people think side hustles are just about extra cash. But in reality, that extra income can be life changing. It’s what helps people finally pay off debt. It’s what jumpstarts a real savings account. It’s what brings breathing room to families living paycheck to paycheck. In this solo episode of the Kosher Money Podcast, we unpack 19 practical and high potential side hustles. These are real ways to make real money. Whether it's covering your next grocery bill, building an emergency fund, or funding your kid's tuition, these gigs aren’t just side hustles. They are stepping stones to financial freedom. If you’ve ever felt stuck, anxious, or curious about earning more on your own terms, this episode is your roadmap. Let's stop waiting and start building. ✬ SPONSORS OF EPISODE 96 ✬ ► BITBEAN – Got a software idea that needs traction? Bitbean helps businesses launch custom tech that actually works. Check out real case studies and get started: https://bitbean.link/4edg53 ► TWILLORY – Premium men's wear that works hard and looks even better. Use promo code CHAI20 at Twillory.com/KosherMoney for 20% off your first order. ► COLEL CHABAD – Support families in Israel with food, clothing, and dignity. Every dollar counts: https://colelchabad.org/koshermoney/ ✬ SIDE HUSTLES ✬ 00:01 Intro 01:06 1. Secret Shopper 02:34 2. Returns Processor 04:00 3. The Flipper 05:47 4. Transcriptionist 07:51 Sponsor: Bitbean 08:18 5. Tutoring 10:09 6. Delivering 11:33 7. Gutter Cleaner 13:01 8. Commission-Based Local Referrals 15:05 9. Lead Paint Tester 16:28 10. Sell Clothing for Charity 17:23 Sponsor: Twillory 17:58 11. Affiliate Marketing (The Right Way) 19:50 12. Buying & Selling Sports Tickets 21:19 13. Survey Consultant for Local Businesses 23:08 14. Power Washing 24:25 15. Freelance Bookkeeper 25:36 Sponsor: Colel Chabad 26:00 16. Water Filtration Installer 27:25 17. Custom Car Wash Cleaner 29:03 18. Licensed Medicare Insurance Agent 31:04 19. And #1 Side Hustle Is... 32:13 Just Start, Stop Overthinking! 34:43 How Bill Ackman Hustled 33:37 The Do's of Side Hustles 34:30 The Dont's of Side Hustles 35:14 More Side Hustle Strategies 35:42 Outro ♦ Secret Shopper Sites BestMark: https://www.bestmark.com Market Force: https://www.marketforce.com Ipsos Mystery Shopping: https://www.ipsos.com GigSpot: https://www.gigspot.com Secret Shopper: https://www.secretshopper.com Presto Shopper: https://www.prestoshopper.com ♦ Transcription Platforms Rev: https://www.rev.com TranscribeMe: https://www.transcribeme.com CastingWords: https://castingwords.com ♦ Selling Items eBay: https://www.ebay.com Poshmark: https://www.poshmark.com OfferUp: https://www.offerup.com Facebook Marketplace: https://www.fb.com/marketplace ♦ Affiliate Marketing Amazon Associates: https://affiliate-program.amazon.com ♦ Tickets StubHub: https://www.stubhub.com Ticketmaster: https://www.ticketmaster.com TickPick: https://www.tickpick.com SeatGeek: https://seatgeek.com ♦ Insurance Licensing AHIP: https://www.ahip.org NABIP: https://nabip.org ♦ Car Detailing (Rockland County) Shiner Mobile Detailing: https://www.shinermobiledetailing.com ♦ Delivery Platforms Uber Eats: https://www.uber.com/us/en/deliver/ DoorDash: https://www.doordash.com/dasher/signup/ Instacart: https://shoppers.instacart.com/ Deliveroo: https://rider.deliveroo.com/ ♦ Local Job Boards Nextdoor: https://nextdoor.com/business/ Craigslist: https://post.craigslist.org/ ♦ Cash for Points & Miles + Rewards Credit Card: The PEYD Group: https://www.ThePEYDGroup.com ♦ Laundry Pro Poplin: https://poplin.co/ [Rated Kosher Money's #1 Side Hustle of 2025] ✬ Support the show: https://www.livinglchaim.com/donate 💬 Need financial clarity? Visit LivingSmarterJewish.org for free resources. 📞 Call-In-To-Listen Hotline: USA: 605-477-2100 | UK: 0333-366-0154 | Israel: 079-579-5088 📤 WhatsApp feedback: 1-914-222-5513 ⚠️ Reminder: This episode or description is not financial advice. Always do your own research.

Most people think money is about math. But after 90-plus episodes of Kosher Money, I’ve learned it’s really about behavior. In this solo episode, we slow down and ask the questions most people never do. What is money actually for? Why do so many smart, capable people still feel broke? And how do you build real wealth without chasing every shiny object? This episode explores the patterns behind financial stress, lifestyle creep, and the quiet pressure to keep up. We talk about budgeting, not as restriction, but as clarity. About debt, not as failure, but as a weight people carry in silence. And we explore why investing even small amounts can lead to big shifts in confidence and peace of mind. You’ll also hear why growing your income doesn’t help if your lifestyle grows faster. Why the richest people often live the simplest lives. And why giving when you have a little is what prepares you to give when you have a lot. These are lessons drawn from real guests, real stories, and the thinking of people like Morgan Housel who remind us that money is more about how you behave than how much you know. If you’ve ever felt stuck, anxious, or just curious about how to make better choices with money, this episode is for you. Take a breath. Press play. Let’s rethink what money really means. ✬ SPONSORS OF EPISODE 95 ✬ ► BITBEAN – Got big ideas but clunky systems holding you back? BitBean is the go-to team for custom software that actually works for your business. Whether you're in healthcare, finance, or retail, they’ve built powerful platforms that scale smart. 👉 Dive into real case studies and connect with their expert team here: https://bitbean.link/4edg53 ► COLEL CHABAD – Our brothers and sisters in Israel need us more than ever. Every dollar makes a difference at https://colelchabad.org/koshermoney/ ✬ Support the show! Help us create more episodes like this: https://www.livinglchaim.com/donate Need assistance with investing, debt or any other financial piece of your life? Maybe check out LivingSmarterJewish.org 📲 Follow Kosher Money for bonus clips & behind the scenes: TikTok: https://www.tiktok.com/@koshermoneypod Instagram: https://www.instagram.com/koshermoneypod 📞 Call-In-To-Listen Hotline: USA: 605-477-2100 | UK: 0333-366-0154 | Israel: 079-579-5088 📤 WhatsApp feedback to Living Lchaim: 1-914-222-5513 Chapters: 00:00 The Key to Understanding Money 00:14 What is Money? 02:08 You’re Richer Than You Think 04:45 The Myth of Just Make More 07:33 Budgets Aren’t Cages, They’re Glasses 09:17 Silent Weight, Bad Debt 11:43 The REAL Way to Make Money 14:45 Bitbean Can Help Your Company Grow 15:14 The Fastest Legal Way to Make Money 17:20 Put Your Money to Work so You Don’t Always Have To 19:50 Giving Isn’t What You Do After You’re Rich 21:38 The Incredible Work of Colel Chabad 21:57 Teaching Kids About Money Without Making Them Obsessed With It 23:55 Money Fights Are Never About Money 25:45 Real Wealth is Quiet 27:20 Outro ⚠️ Reminder: This episode or description is not financial advice. Always do your own research. #LivingLchaim #KosherMoney #JewishPodcast #OrthodoxJewish #FinancialPressure #JewishMoney #FaithAndFinance #PersonalFinance #MoneyMindset #MorganHousel #WealthBuilding #BudgetingTips #DebtFreeJourney

Why are Orthodox Jewish weddings so expensive? 💸 In some circles, it’s normal to spend over $120,000 on a single wedding. My friend Mayer Gold joins us to break down why this happens – and whether we can actually change it. You can contact Mayer here: [email protected] Mayer's awesome Brooklyn-based Kosher supermarket is named Certo Market; check it out here: https://CertoMarket.com Be sure to "Like" this video and subscribe to Living Lchaim - some of the world's most successful people do just that. 😉 ✬ SPONSORS OF EPISODE 94 ✬ ► KESEM MEDIA – Want your brand to actually grow, not just get likes? Kesem Media knows how to make that happen. Yehudis and Menucha are the powerhouse sisters behind it—one’s a private investigator and IDF veteran, the other’s a marketing pro with nearly a decade of experience. They help businesses of all kinds connect with the right people and see real results. 👉 Ready to take your marketing to the next level? Reach out to Yehudis at [email protected] or visit https://www.kesem.media/ to learn more. ► BITBEAN – Got big ideas but clunky systems holding you back? BitBean is the go-to team for custom software that actually works for your business. Whether you're in healthcare, finance, or retail, they’ve built powerful platforms that scale smart. 👉 Dive into real case studies and connect with their expert team here: https://bitbean.link/4edg53 ► TWILLORY – Your wardrobe upgrade starts here. Shop high-quality shirts, polos, and performance wear—without breaking the bank. 🎽 Use code KM20 at https://Twillory.com/KosherMoney for 20% off ✔️ No minimums ✔️ No cap on savings ✔️ Limited-time offer ► COLEL CHABAD – Our brothers and sisters in Israel need us more than ever. Every dollar makes a difference. 🙏 Partner with Colel Chabad: https://colelchabad.org/koshermoney/?utm_content=206 ✬ Support the show! Help us create more episodes like this: https://www.livinglchaim.com/donate SHOW LINKS: Rabbi Joey Haber's speeches on... • Materialism: https://torahanytime.com/lectures/367626 • A Solution: https://torahanytime.com/lectures/369128 Eli Fried on... • Saving for Simchos: https://tinyurl.com/FriedSaving • 5 Steps to Managing Costs: https://tinyurl.com/ManagingSimchos • A Different Approach: https://tinyurl.com/ADiftApproach • Subscribe to His Great Newsletter: https://tinyurl.com/GeltGuideSignUp Sign up for CBN Alerts on WhatsApp here: https://chat.whatsapp.com/Ls8C5Uu2Ple535T7AOLRgw CHAPTERS: 00:00 Intro 01:43 Who is Mayer Gold? 02:14 Making a $23,000 Wedding 05:32 Making 5 Different Weddings 08:25 It Takes 2 Sides to Make a Wedding 11:25 Discussing Finances Before Engagement 13:18 Making Bar Mitzvahs Nowadays 15:40 Sushi 16:36 Kesem Media – Where Marketing Results Feel Like Magic! 18:07 BitBean – BitBean Has Big AI News 19:34 Small vs. Big Weddings 22:54 Involving Your Children in Financial Decisions 25:18 Making Engagement Parties 27:49 The Different Costs for Different Circles in Orthodox World 31:44 Use Your Wealth Correctly 34:12 Who Are You Really Making the Wedding For? 37:04 The Benefits of Takana Weddings 38:04 $10,000 for Flowers?? 40:22 The Costs of Makeup 43:00 Wedding Invitations 44:30 Are People Really Going Into Debt from Making a Wedding? 45:32 Twillory – Awesome Men’s Clothing 47:06 Colel Chabad – Helping Holocaust Survivors 48:23 The Over-the-Top Gift Giving 49:54 Gift Giving 53:18 Practical Ideas to Help Save Money 1:01:45 We Need to Start Teaching the Younger Generation 1:02:28 More Helpful Money Tips 1:07:33 Outro 📲 Follow Kosher Money for bonus clips & behind the scenes: TikTok: https://www.tiktok.com/@koshermoneypod Instagram: https://www.instagram.com/koshermoneypod 📞 Call-In-To-Listen Hotline: USA: 605-477-2100 | UK: 0333-366-0154 | Israel: 079-579-5088 📤 WhatsApp feedback to Living Lchaim: 1-914-222-5513 ⚠️ Reminder: This episode is not financial advice. Always do your own research.