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No More Beans is THE student money podcast from Save the Student. Jess and Tom, as well as a few other members of the STS team will take you through plenty of funny stories, tips, tricks & more. It's a real insight into what it's really like to be a student at university in the UK.
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Theological Discussion for Christ's Church The Pactum is shorthand for the Latin Pactum Salutis. The Pactum Salutis is the trinitarian covenant made before the foundation of the world spoken of in texts such as Ephesians 1 and John 17. It is also known as the covenant of redemption. According to the pactum salutis, the triune God who works all things after the counsel of His will commits to save elect sinners. Since the pactum salutis is the basis for all of God’s work in human history, we f ...
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Travis helps you navigate the insane world of student loans, especially if you owe $20,000 to $1 million. If you've ever spent too much time on the phone with your loan servicer, this is the show for you. Every week we share tips on loan forgiveness, investing, crushing debt, and how to get to financial freedom when you owe more than most people's mortgage.
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Voices United in Education

Escambia County Public Schools

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Hear the positive stories in education that don’t make the news. You’ll hear uplifting stories of student, parent and teacher impact in Escambia County. Meredith Hackwith Edwards interviews teachers, staff, parents, students, graduates, community mentors and members, so that we can become more united inside and outside the classroom to support the success of every student in Florida’s Escambia County Public Schools.
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We provide subject matter expertise on every step within the college planning process. Subscribe and listen to the MEFA Podcast to learn key information and helpful tips on 529 college savings plans, the college application process, financial aid & the FAFSA, student loan repayment, and more.
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Money Matters

Brought to you by Neighbors Federal Credit Union

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The podcast that focuses on how to use the money you have, make the money you need and save the money you want. Host Kim Chapman, Financial Wellness Director for Neighbors Federal Credit Union, explores the issues that can affect your financial well-being and discusses ways for you to enjoy the financial freedom you've been looking for.
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Scouts Out

A.A. Forringer

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Nobodies Grabbed From History to Save the Earth from and Alien Invasion: Leo Grant a college student from the 80's and his widely diverse crew from Earth's history are prepped to fight an alien empire that will soon find an ill-equipped and vulnerable Earth. All the Outfitters Universe Stories can be found @smashwords.com Contact the Author: aaforringer@gmail.com or Twitter @aaforringer Copyright 2015
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The FitBUX Podcast

Joseph Reinke, CFA

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Our goal... Be more than just another boring personal finance podcast. How do we do it: - We interview individuals at different points along their financial journey to provide you motivation and ideas. From student loans to retirement. - We dive deep into the mental side of money so you can achieve true financial freedom. - We do episodes where we take individual finance topics and deeper dive into them. These aren't your typical finance topics either... Come join the party...
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My journey of self discovery regarding the life giving teachings of The Honorable Elijah Muhammad. No one is coming to save us. We are the ones we have been waiting for. The Messenger did his job. Now it is up to us to do ours! I am not Allah. I am not the Supreme Being. I am not a Scientist. I am a Brother. Once Lost now Found here in the Hells and Wilderness of North America. Looking for Like minded Brothers and Sisters whom are ready to go in motion.
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Easy Money: Make More, Save More and Find Your Unclaimed Money Every week on The Easy Money Show, 13-time Emmy-Winner Elisabeth Leamy (Good Morning America, Dr. Oz, Washington Post) digs up eye-opening —even jaw-dropping— ways to MAKE more money, SAVE more money and FIND your unclaimed money. MAKE more like the young woman who paid for college by becoming an egg donor; MAKE more like the med student who made $100,000 by shooting stock photos. MAKE more like the recruiter who quit her job aft ...
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Your Twitter feed is a dumpster fire, and dinner table discussions aren’t exactly what they used to be. That’s why in 2024, The Backbench is going to bring the issues that matter into focus — and have fun doing it. With the next federal election looming, host Mattea Roach (Jeopardy! Super Champion) and featured guests will help you make sense of Canadian politics with a mix of engaging, myth-busting, rug-pulling analysis and personal stories straight from the mouths of those caught in the cr ...
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Mindfulness for the Legal Mind: a 10-minute talk plus 10 minutes of guided meditation. A brief refuge. The musings of a long-time lawyer, law professor, and mindfulness geek on lawyering from a mindful perspective. Tools to cultivate more joy, ease, and wellbeing in this crazy profession. Ideas to become even better at what you do, and save the world. A few minutes of peace every week, which you definitely deserve.
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PricePod - Public Policy Conversations

USC Sol Price School of Public Policy

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Each month, the PricePod bridges the gap between theory and practice, offering new perspectives on how public policy impacts our lives and communities. Our conversations with USC Price School faculty range far and wide, from issues like traffic gridlock and the homelessness crisis to the spiraling cost of healthcare and corruption in politics. Whether you’re a policy wonk, a student, or simply curious about how research can change our world, the PricePod is your source for informed, engaging ...
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Mrs Mean Money Show

Lindsay Cook & Glen Thompsett

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Mrs Mean sets out to save you money every day. She details the tricks and the ways we are persuaded to spend more than we can afford. With the economic crisis hitting so many people, now is the time to work out ways of saving your money. Let Mrs Mean and broadcaster Glen Thompsett guide you through the maze. Hosted on Acast. See acast.com/privacy for more information.
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Welcome! This Podcast is for you...yes YOU! The undecided individual living outside the USA, the confused and curious college student living in the USA, and yes even the distraught working class adult navigating the peaks and valleys of working in a foreign country. The L&SDistrict is for us all, the community of international students who make the bold move to relocate to the USA in search of better education and opportunities. This Podcast is hosted by two different, yet complementary wome ...
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Everyone's Talkin' Money: Personal Finance, Financial Freedom, Mental Health and Money Therapy For All

Shannah Game, Money Podcast for Women, Personal Finance, Relationships & Mental Health & Glassbox Media.

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Want to know the secret to financial success? It’s talking about the other side of money. Get this - money decisions are 90% emotional and 10% how-to (yep, that’s why you emotionally spend). So, if you’re ready to get financially unstuck and transform your money, you’ve got to do it from the inside out. Everyone’s Talkin’ Money, named a Top 4 Money Podcast by The New York Times, is the podcast you’ve been looking for. Everyone’s Talkin’ Money is not your average personal finance podcast if y ...
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NerdWallet's Smart Money Podcast

NerdWallet Personal Finance

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NerdWallet’s objective finance journalists answer real-world questions empowering you to make smarter decisions with your money and help your finances thrive. The Nerds are your resource to make the most of your personal finances, while cutting through the clutter and misinformation of today’s economic news and advice. You’ll get clarity on strategies to help you build your wealth, invest wisely, shop for financial products, and plan for major life events. By the end of each episode, you’ll ...
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Soundings is the sandbox for all student work from the Stanford Storytelling Project (SSP). SSP is an arts program at Stanford University that explores how we live in and through stories and how we can use them to change our lives. Our mission is to promote the transformative nature of traditional and modern oral storytelling, from Lakota tales to Radiolab, and empower students to create and perform their own stories. The project sponsors courses, workshops, live events, and grants, along wi ...
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White Coat Investor Podcast

Dr. Jim Dahle of the White Coat Investor

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Host, Dr. James Dahle, is a practicing emergency physician and founder of the White Coat Investor Blog. Like the blog, the White Coat Investor Podcast, is dedicated to educating medical students, residents, physicians, dentists, and similar high-income professionals about personal finance and building wealth, so they can ultimately be their own financial advisor—or, at least know enough to not get ripped off by a financial advisor! We tackle the hard topics like the best ways to pay off stud ...
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Budget Nerds

You Need a Budget

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Personal finance experts Ben Barlowe and Ernie Reppe get nerdy with numbers as they share budgeting tips, strategies for categorizing transactions, and lessons learned from using the revolutionary budgeting system known as You Need a Budget.
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Andrew Giancola from Master Money reveals all of his personal finance, money, investing, business strategies, income sources, stock, and real estate investing tips so that you can build more wealth than you ever thought possible. Discover how to increase your income at your job and create multiple passive income streams that work for you, so you have the time and freedom to do what you love. Whether that’s travel, or having freedom from your day job. Since 2013, Andrew has been sharing the w ...
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Westwood Students

Westwood Students

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Weekly messages from the High School Ministry and Middle School Ministry at Westwood Community Church. Westwood is a multisite Church located in the suburbs of Minneapolis, Minnesota.
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Human stories inspired by wild places all over the world. From ancient traditions to modern technologies. From Hunting to fishing, foraging, farming, tracking, tanning... we celebrate the wisdom that helps us thrive. Hosted by Robin Warman
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The Songs That Saved Your Life

The Songs that Saved Your Life

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Hosted by college student D Ortega, TSTSYL is a music podcast where students, professors/faculty, and individuals of interest discuss five tracks that have played pivotal roles in there life. Five songs are then paired with the initial list to create a discussion on the complex anthropology of music and the complex nature of the personal as political.
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Bobcat Radio

Bobcat Radio

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UC Merced’s Radio Stations, Bobcat Radio, delivers you news, entertainment, and community discourse from UC Merced and the Merced community. Check out our official website here: bobcatradio.ucmerced.edu or email us at BobcatRadio@ucmerced.edu
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Ask Ligonier

Ligonier Ministries

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Have you ever had questions about a passage in the Bible but you didn’t know where to go for answers? Has a theological issue sent you searching far and wide for answers you can trust? In this podcast, Nathan W. Bingham submits questions from listeners like you to one of Ligonier Ministries’ featured teachers or a special guest. Ask a biblical or theological question of your own and listen to answers from some of the most trusted pastors and theologians who are serving the church today.
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Pod Save Williams: college sustainability-making

Pod Save Williams: college sustainability-making

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"Pod Save Williams" is a podcast about creating a more sustainable campus and a more sustainable world. Started in 2018 as a Winter Study course at Williams, PSW includes student voices from Williams exploring a broad definition of sustainability. Students from the course Podcasts from the farm interviewed farmers at the NOFA/Mass Winter conference about issues ranging from with climate change and food justice to beekeeping and herbalism. In the course Pod Save Williams, students gathered an ...
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Welcome to this compelling Bible study on the book of James taught by David Forsyth. Join us as we delve into practical wisdom and profound insights from this New Testament epistle, exploring themes of faith, perseverance, and righteous living. Whether you’re new to the Bible or a seasoned student, this series offers valuable lessons for everyday Christian life.
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Imagine listening in on these raw, unfiltered conversations with real couples… One partner is in $300,000 in debt, but shrugs it off. The other cries at night, anxious about the future. A couple that’s so worried about money, they never feel they’ll have enough. When they eat out, they order chicken instead of steak to save $10. Their household income: $600,000. Two parents who feel overwhelmed by work, kids, and debt. When I ask them how they’d describe their lives, they instantly say the s ...
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Why is burnout destroying education? Many educators feel like support is waning and the situation is only getting worse. This show is for exhausted educators who realize change is necessary to carry on in the field they love without sacrificing the life they live. This show will teach you actionable steps to help you overcome burnout before it's too late, give you practical advice on how to avoid the pitfalls of being an educator, and help you uncover essential skills needed to be successful ...
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Taming the High Cost of College teaches parents the secrets of how to plan and save for college so you can help make your children's dreams come true. Hosted by Brad Baldridge, a Certified Financial Planner and college planning expert, you'll learn what you need to save time, save money and reduce stress with smart and proven strategies. If you’re the parent of a college-bound teenager, you’re in the right place!
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The Policy Project

Mint - HT Smartcast

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Policybazaar UAE invites you to be part of ‘The Policy Project’, a captivating podcast series that explores the influence of finance and insurance on our day-to-day lives. Our mission is to provide our listeners with the information they need to make educated decisions and remain abreast of the ever-evolving banking and insurance market. Whether you’re a student, a working professional, or someone who’s simply intrigued by the industry, there’s something here for everyone. Tune in to join ou ...
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Welcome to West Fraser's Builder Insights Podcast. Builder Insights is your best source of information on new building techniques, materials, tools, and codes. Keep up to date with the latest developments as well as tips and tricks that will save you time and money on the job site.
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The goal of Money Making Sense is to help you find more financial peace. Host Heather Kelly and guest experts focus on reviewing paychecks and analyzing family decisions. They also talk about vacationing on a budget, retirement savings on a limited income, reducing household expenses, the financial impact of owning pets and how money affects relationships. Money Making Sense will give you practical ideas on how to improve your bottom line. Money Making Sense is a 2017, 2018, 2020 and 2021 Pe ...
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Money and Mental Peace - Scholarships, Dave Ramsey Baby Steps, College Fund, FAFSA 2024, Scholarships for College

Kara Walker - College Scholarship Strategist, Dave Ramsey Budget Nerd, College Prep, Dual Enroll

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Are you worried about how to pay for college? Stressed because it’s so expensive? Are you having trouble finding scholarships, or all you find don’t apply to you? Overwhelmed with all things school and money? Welcome fam! This podcast will help you find and get scholarships, avoid student loans and maybe even graduate college debt-free! Hey! I’m Kara, a Christian entrepreneur, amateur snowboarder, and scholarship BEAST! I figured out how to not only finish college debt-free, but I even had $ ...
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CONGRATULATIONS! We’re millennials. That means EVERYTHING about being alive is expensive. And the boomers have so generously gifted us with least affordable housing in the history of the world along with: - Inflation. - Student loan debt. - Expensive medical insurance that doesn’t cover our therapy bills. - Randall Cunningham (to which we are very grateful. Go birds.) And likely very vague wills leaving us to pay for them well after they’re gone. Don’t worry. Seth and Jenn can help. We’re Ph ...
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DAM IT!

David Montague

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Join college student David Montague as he talks about the most talked about moments in pop culture in the last week, gives advice to celebs that DEFINITELY did not ask for it, and talks about the one thing on his mind that really bothered him. New episodes every Monday @ 10 pm. Support this podcast: https://podcasters.spotify.com/pod/show/dam-it/support
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show series
 
Student finances are even tougher this year for those starting their university courses, as maintenance loans are just 2.5% higher than last year, even though rents and other costs are increasing far faster than the cash help. The average maintenace loan is just £6,116 less than the average rent. And to make matters worse the financial help offered…
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Are you struggling to find the right health insurance for yourself or your family? In this episode of MillenniUP, Seth and Jenn sits down with health insurance expert Brian Cannon to discuss the complexities of obtaining health insurance, especially for individuals who are self-employed or without employer-provided coverage. Brian shares insights f…
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I have no idea how many times I say something, or write an email, or post, with irritation on my mind. Or hit the numbers for Verizon, with exasperation. I do know that when I do, the result is often not great. When I remember to be mindful - to consider my timing, be honest, and be kind no matter what (and no matter who) –the result is decent. The…
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Upstream CEO Crystal Dreisbach sits down with host Brooking Gatewood to talk about her first year on the job, about Upstream’s strategic vision refresh, and some exciting new tools and model projects in the works to help build infrastructure and normalize reuse in the years to come. Resources: Upstream’s Strategic Vision Putting Reuse into Practice…
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Get you copy of Cultivating a Deeper Connection in a Lonely World This episode is one that you want to listen to more than once! Join Becky and Money Saving Mom Expert, Crystal Paine as they talk about money saving tips for back-to-school supplies and more. Join Crystal’s Money Saving Mom: Money Saving Mom. There are blogs, an eBook, and an e-cours…
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You did what you thought was best at the time (or were told there was no other way), but now you see the BURDEN that student loans have created, like a dark cloud hanging over your life! What if I told you it could be different for your kids? Hey, I’m Kara, and I graduated from college debt-free without much financial assistance from my parents. I …
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Learn how to financially prepare for the costs of pet emergencies with firsthand experiences from pet owners and experts. How much does emergency pet care cost? How much should you budget for unexpected pet expenses? Hosts Sean Pyles and Ronita Choudhuri-Wade discuss the unpredictable nature of pet emergencies and the importance of financial readin…
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Did you know that passive income is one of the best ways to build wealth? That’s where our guest, Chris Miles, the Cash Flow Expert and Anti-Financial Advisor, comes in. He has twice used his passive income skills to become financially independent and paid off over $1,000,000 in debt after the last recession without filing for bankruptcy. In this s…
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Today Dr. Dahle talks with Michael Kitces, creator of the popular blog Nerds Eye View. He is a CFP (along with many other designations) who has a passion for educating. His platform is huge and he knows more about financial planning and the financial planning industry than just about anyone out there. Today they tackle a range of topics with the hi…
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In this episode, we dive deep into the differences between financial planning and budgeting, exploring how each plays a crucial role in achieving true financial success. Discover how I transformed my financial situation and gained financial freedom through effective strategies that go beyond just managing expenses. Learn the importance of financial…
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What if you were never taught how to manage money but were suddenly thrown into financial independence? Join us as Ambrose Gabriel and Narin Sanders share their eye-opening experiences and reveal the challenges of navigating the financial maze of college life. They candidly rate their initial financial readiness at a mere two or three out of ten, s…
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On this episode Pat and Mike discuss the life and ministry of Charles Haddon Spurgeon with author Alex DiPrima. Alex's latest work on Spurgeon is a biography titled, Spurgeon: A Life and is available here at Reformation Heritage Books. Alex DiPrima is senior pastor of Emmanuel Church in Winston Salem, North Carolina. He holds a PhD from Southeaster…
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In this episode of the personal finance podcast, we're gonna talk to Nicole Lapin about why and how you should negotiate every single bill. How Andrew Can Help You: Don't let another year pass by without making significant strides toward your dreams. "Master Your Money Goals" is your pathway to a future where your aspirations are not just wishes bu…
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"A vacation means having nothing to do and all day to do it in!"So goes a famous quote by Robert Green. But what Mr. Green doesn’t define here are back to school expenses! So what to do when your child’s vacation ends and their expenses make a comeback along with the new semester? Find that out in the latest episode oh The Policy Project, which fea…
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Do you want to buy a house but don't know where to begin? Why is it important to be both financially and emotionally prepared for the home-buying process? Whether you're a first-time buyer or looking to move into your dream home, starting the process can feel overwhelming. But don’t worry, we've got you covered. In this episode of MillenniUP, Seth …
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Learn budgeting tips and money-saving hacks for back-to-school shopping to avoid debt and make the most of sales and discounts. What are the best ways to save on back-to-school shopping? How much do people usually spend on school supplies? Hosts Sean Pyles and Anna Helhoski dive into the latest NerdWallet survey results on back-to-school shopping, …
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Higher education doesn't have to mean ONLY a 4-year expensive college. Troy Runnels, the CFO of My529, says you can put money into a plan which will pay for a trade school educaton, internet usage, housing, internships school supplies and much more. Susan Speirs, the CEO of Utah Association of CPAs, says the funds you put into a MY529 plan qualify …
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Money lies just might be holding you back from building wealth and reaching financial independence. Why? Well, money lies are stories you tell yourself that don't have any real factual evidence. Have you ever believed you're too far behind or made too many money mistakes? You are not alone! Now is the time to get rid of these seven ridiculous money…
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According to Boeing, the pilot shortage means that over the next 20 years, we will need 200K new pilots in the US alone. Escambia High School has a unique solution facilitated by a unique leader. Greg Pyle is a flight academy instructor. After 20 years in the United States Air Force, six of which spent as a navigator flying a FB1-11 fighter jet, he…
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Annie’s 39 and Emery is 43. Although they have a high combined income, Annie makes 5x more than Emery. This leads to frustration over small purchases, like an extra drink at dinner—while they’re on vacation in Europe. Emery also manages their two rental properties even though they earn $0. He’s desperate to sell, but Annie is convinced of their lon…
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Pierre Poilievre isn’t just on the campaign trail, he’s pounding the pavement. And by jove, he’s following it all the way to the top of the polls relying on several rhyming promises. Nanos polling has the Conservatives at 41 per cent nationally, with the Liberals dragging at 25, and the NDP at 17 per cent. It also has Poilievre as the preferred cho…
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You might be thinking, what do sex and money have in common? Well, actually, a lot. I’ve often shared how most of us, including probably you, are stuck in a shame cycle around money. You carry with you stories that come from how you were raised around money and bring those to adulthood without really understanding how they impact your financial jou…
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Switching jobs is about more than employee benefits and compensation packages when you’re a student loan borrower. Student loan advisors Connor Pierce and Jake Courtney explore how federal student loans can adapt to income changes, making them less stressful when contemplating career moves or starting a business. In today’s episode: 06:10 Analyze P…
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In this episode of the Personal Finance Podcast, we're going to do a Money Q&A about: My advisor told me to get out of my low cost index funds. What do I do? Today we are going to answer these questions: Question 1: My Advisor Told Me to Get Out of My Low-Cost Index Funds. What do I do? Question 2: Recasting VS. Refinancing Your Mortgage Question 3…
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This emergency doc paid off $311,000 in less than one year! He worked like crazy and picked up shifts every chance he could get. He and his family lived like residents and poured everything they could into the loans. He credits his wife and all she sacrificed to making this huge accomplishment possible. They are now excited to have him significantl…
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Are you trying to gain independence, but feel like your mom or parents are treating you like a child, or just don’t understand you? Maybe you want to have a friendship with them but it feels like your mom is just momming you all the time. You’d like them to JUST LISTEN and not always tell you what do you, BUT also give wise advice when you need it …
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In this sermon, David Forsyth delves into James 3:1-12, exploring the significance of controlling the tongue in the Christian life. He emphasizes that control of the tongue reflects one’s spiritual maturity, using vivid analogies to illustrate its power and potential for both good and evil. Forsyth provides a three-fold strategy for gaining control…
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The problem with good intentions is that they’re subjective. Plus, I may have good intentions but what ‘good’ are they if my impact is still harmful? Wise intentions are different. Wise intentions are objective and aspirational. When I remember to set and follow them, I’m less likely to hurt anyone and more likely to be helpful and even, maybe, con…
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Hey fam! As a Christian, you’d like to learn at a godly institution, but sometimes they are just so expensive! Today I have details about how my friend Daniel (from Anchor Bible College, a new school with extremely low-priced tuition), graduated from college with no loans and paid for it without scholarships! Of course, it’s important to make sure …
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Are you ready to revolutionize your teaching methods and tackle curriculum challenges head-on? In this enlightening episode, we chat with Nadine about her innovative approaches to curriculum planning and assessment. If you're a teacher struggling with outdated methods or feeling the burnout, this episode is for you. Nadine shares her experience and…
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Learn to navigate pet insurance options, costs, and smart budgeting strategies for your pet's health care. Is pet insurance worth it? How can pet owners afford the rising costs of veterinary care? Hosts Sean Pyles and Ronita Choudhuri-Wade discuss the ins and outs of pet insurance and various budgeting strategies to help you manage pet care expense…
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This episode covers affordable estate planning for LGBTQ+ individuals and couples with Mitch Mitchell, Associate Counsel of Estate Planning at Trust & Will. Our money system in this country is outdated and antiquated and, by far, does not meet the needs of LGBTQ+ individuals and families. When it comes to estate planning and making sure that your a…
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Today we talk more about the new Vanguard CEO and Ascensus acquiring Vanguards's individual 401(k) business. We answer a few questions about DAFs and if appreciated securities are a reasonable alternative to DAFs. We talk about donating real estate to charity and then get into detail about contributing to your non dependent adult child's HSA. Today…
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In order to be more bold, do we simply need to speak louder or with more enthusiasm? Today, Burk Parsons defines boldness according to the Bible, explaining that this trait goes deeper than a personality shift. Read the transcript: https://ligonier.org/podcasts/ask-ligonier/how-can-i-be-more-bold Submit a biblical or theological question of your ow…
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Are you feeling happy today? California lawmakers want to know. A newly formed legislative committee is taking on an unusual public policy challenge: They want to make California residents happier. Our guest today, Mark Baldassare, recently testified before the committee and shared his insights into how Californians are feeling. Baldassare, who is …
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It’s summertime at The Pactum! While we take a little break we want you to enjoy some of our favorite episodes. Today’s episode is D.V.D. on Natural Law. In this episode, Pat sits down with David VanDrunen to take a deep dive into the topic of Natural Law. David VanDrunen is a minister of the Orthodox Presbyterian Church and is the Robert B. Strimp…
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In this episode of the Personal Finance Podcast, we're going to talk about the 1-3-6 method for building your emergency fund. How Andrew Can Help You: Don't let another year pass by without making significant strides toward your dreams. "Master Your Money Goals" is your pathway to a future where your aspirations are not just wishes but realities. E…
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In this episode of MillenniUP, find out how Jenna Swope, a former client, navigated the challenges of purchasing her first home in 2022. Jenna shares her experiences and insights, discussing the emotional and financial aspects of buying a home, her Zillow obsession, dealing with post-purchase maintenance, and the creative strategies used to secure …
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Learn how the Fed's interest rate decisions impact your finances and get insights on retirement readiness and brokerage outages. What does the Fed's recent decision to maintain the current interest rate mean for you? How will a potential rate cut in September impact your finances? Hosts Sean Pyles and Anna Helhoski discuss the implications of the F…
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Typically, going into business for yourself reduces your tax-burden. That's from Liz Steblay the author of "Succeeding as a Solopreneur" who says you will probably need to pull in about $110k as your own boss to break even on taxes from working for someone else. Liz is also the CEO of PICA (Professional Independent Contractors of America). She says…
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