Épisodes

  • The $45 Trick That Could Save Every Trucker Thousands!

    The $45 Trick That Could Save Every Trucker Thousands!
    Jul 12 2025
    In this episode of the IAP podcast, Brian and Walt dive deep into the topic of trucking and payroll in the trucking industry. They kick off with a casual check-in before moving into updates on their financial fitness challenge. Brian introduces an interesting article from Business Wire about Flutterwave being named among Time's 100 most influential companies. They then welcome Michael Ritzema, President and Founder of Superior Trucking Payroll Service. Michael shares his journey into the trucking payroll business and discusses the key challenges and nuances specific to the industry. Topics include the importance of per diem, employee classification, technology's impact on trucking, and fostering trust between trucking companies and drivers. Michael also touches on current innovations and potential future trends in the industry, such as the use of AI and autonomous trucks. The episode concludes with a fun "This or That" game and a wrap-up where Michael shares how to connect with his company, Superior Trucking Payroll Service. **Key Points:** - Financial fitness challenge update - Business Wire's feature on Flutterwave - Introduction and insights from Michael Ritzema - The importance of per diem and employee classification - Current technology and future trends in trucking - Trust-building between trucking companies and drivers - "This or That" game with Michael **Guest Info:** Michael Ritzema President and Founder, Superior Trucking Payroll Service **Website:** [truckingpayroll.com](https://truckingpayroll.com) **Social Media:** - LinkedIn: [Michael Ritzema](https://www.linkedin.com/in/michaelritzema) - YouTube: [Trucking Payroll](https://www.youtube.com/channel/UCw0yXxR3fTjxoPoxtI2kOhA) - TikTok: [Trucking Payroll](https://www.tiktok.com/@truckingpayroll) - Instagram: [Trucking Payroll](https://www.instagram.com/truckingpayroll) - Twitter: [Trucking Payroll](https://twitter.com/truckingpayroll) If you found this episode helpful, please like, subscribe, and share with anyone who might benefit from this information! Learn more about your ad choices. Visit megaphone.fm/adchoices
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    59 min
  • Season in Review

    Season in Review
    Jul 2 2025
    In this episode, we hit pause to look back and talk through: ✅ What really stood out to us this season ✅ The challenges we navigated behind the scenes ✅ Powerful lessons learned along the way ✅ And most importantly—the amazing guests who brought their wisdom, energy, and heart to every conversation. From compliance curves to pay transparency, global payroll trends to financial wellness tips, these seasons have been full of insights and impact. 🙌Whether you're a payroll pro or just trying to better understand your paycheck, we’ve got something for you. 🎙️ Tune in to hear our takeaways, favorite moments, and what’s next for both shows. 👉 https://wrkdefined.com/podcast/its-about-payroll, https://wrkdefined.com/podcast/its-about-your-paycheck, itsaboutpayroll.io, itsaboutyourpaycheck.com. https://www.businesswire.com/news/home/20250623026106/en/Dallas-YMCA-Unleashes-Workforce-Efficiency-Saves-600-Hours-a-Year-with-AI-First-UKG-Suite https://www.economicshelp.org/blog/2180/economics/economic-impact-of-war/ To all our listeners, guests, and supporters—THANK YOU. You help make these conversations real, relevant, and resonant. Learn more about your ad choices. Visit megaphone.fm/adchoices
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    1 h et 15 min
  • Top Secrets to Turn Adversity Into Triumph!

    Top Secrets to Turn Adversity Into Triumph!
    Jun 29 2025
    In this episode, hosts Brian and Walter William focus on overcoming adversity and the power of a growth mindset. The conversation starts with some friendly banter about life's rapid pace and moves into discussing current news events, including political protests and sports updates. The main segment transitions into exploring powerful stories of resilience. Brian shares insights from Carol Dweck's book "Mindset: The New Psychology of Success," highlighting the importance of a growth mindset over a fixed mindset. Emphasizing why a growth mindset can lead to more success and fulfillment, the hosts discuss how this mentality impacts various aspects of life, including motivation and achievement. Walter William shares inspiring stories of individuals who overcame significant challenges, such as Lauren Manning, a 9/11 survivor; Anthony Robles, a wrestler born with one leg; and Sam P Jola, a war survivor turned mentor. Each story showcases resilience, determination, and the transformative power of positive thinking and support systems. The hosts also provide actionable steps to overcoming adversity, known as the STAR Method: 1. **Acknowledge and Accept**: Recognize your reality and decide to take action. 2. **Set Clear Goals**: Aim for achievable milestones to structure your recovery. 3. **Use Support Systems**: Lean on family, friends, coaches, and mentors. 4. **Break Challenges Down**: Take small, daily steps towards your goals. 5. **Reframe the Narrative**: Change your mindset to view adversity as an opportunity for growth. 6. **Reflect and Learn**: Build resilience and integrate lessons learned into your life's next chapter. Brian and Walter William share their personal experiences with adversity and discuss the importance of community and support in overcoming challenges. They emphasize the importance of not isolating oneself and seeking help when needed. The episode closes with a reminder for listeners to engage with the show, subscribe, and share their own stories of overcoming adversity. The hosts encourage everyone to keep a growth mindset, face challenges head-on, and continue pushing forward. **Don't forget to like, subscribe, and share this episode! Leave your comments and let us know how you overcome adversity.** Learn more about your ad choices. Visit megaphone.fm/adchoices
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    38 min
  • Pixels & Paychecks: Gaming as a Career Path

    Pixels & Paychecks: Gaming as a Career Path
    Jun 18 2025
    In this episode of It’s About Your Paycheck, we press start on a fascinating conversation about the world of gaming and money. With esports, streaming, and game development creating new career paths, is a life in gaming a winning financial strategy—or just a risky roll of the dice? We break down the real pros and cons of pursuing a career in gaming, whether you're considering full-time streaming, entering the competitive esports arena, or building games from behind the scenes. We also share stats on what top earners actually make, discuss financial traps to watch out for, and explore how gamers can budget and plan for a sustainable future. Whether you’re a passionate player or a curious parent, this episode gives you the clarity you need to level up your financial awareness in the gaming world. Links & References https://finance.yahoo.com/news/elon-musk-pays-tesla-employees-160141180.html wrkdefined.com itsaboutyourpaycheck.com https://youtu.be/Zuha0RAyMJo Learn more about your ad choices. Visit megaphone.fm/adchoices
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    31 min
  • Insta-Broke? Social Media’s Impact on Your Financial Health

    Insta-Broke? Social Media’s Impact on Your Financial Health
    Jun 11 2025
    Is your feed quietly draining your funds? On this episode of It’s About Your Paycheck, we explore the financial effects of social media—from influencer culture and spending pressure to the emotional triggers that lead to overspending. We break down real data, trends, and tips to help you stay financially grounded in a hyper-connected world. Whether you're on TikTok, Instagram, or YouTube, this episode is your reality check. https://cms.megaphone.fm/channel/itsaboutyourpaycheck?selected=DIRED6296685096 https://youtu.be/lfToUFXdaPs Learn more about your ad choices. Visit megaphone.fm/adchoices
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    49 min
  • Secure the Future – Marc Fowler, QKS Breaks Down Secure Act 2.0

    Secure the Future – Marc Fowler, QKS Breaks Down Secure Act 2.0
    May 21 2025
    In this episode of It’s About Your Paycheck, we’re joined by retirement and compliance expert Marc Fowler to unpack the key provisions of Secure Act 2.0. From automatic enrollment to Roth catch-up contributions and the impact on payroll systems, Marc shares what employers and employees need to know to stay ahead of the changes. Whether you’re in HR, payroll, or planning for retirement, this episode has insights you won’t want to miss. 00:00 Introduction and Episode Overview 00:27 Personal Updates and Financial Fitness 03:19 News and Statistics on 401k Participation 05:45 Introducing the Guest: Mark Fowler 07:44 Discussion on Secure Act 2.0 and 401k 12:23 Mark Fowler's Background and Career Path 14:55 Financial Security and Emergency Withdrawals 25:36 Exploring Loan Options and Tax Implications 27:14 Understanding 401k Plan Provisions 29:17 Emergency Withdrawals and Penalties 33:11 Advocating for Better 401k Features 34:37 Employer Benefits and Financial Wellness 37:13 Administrative Burdens of Secure 2.0 39:30 Employee Challenges with 401k Plans 42:02 Final Advice and Personal Reflections 48:21 Resources and Closing Remarks Links & Resources humaninterest.com - Find Marc here! itsaboutyourpaycheck.com Brian's New Updates - https://www.cnn.com/2025/05/10/politics/federal-employee-pension-benefits-republicans Walt's News Updates - In 2025, about 57% of US workers have access to 401(k) plans, with 84.9% of those participating in them. However, a significant portion (43.5%) of workers do not participate in 401(k) plans, and nearly half (49.9%) do not receive employer matching contributions. Marc Fowler's Insight: “Employers are recognizing that financial stress is a productivity issue. Secure Act 2.0 gives companies tools to support financial well-being in real, practical ways.” Learn more about your ad choices. Visit megaphone.fm/adchoices
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    55 min
  • Toxic Workplaces, Budget Hacks, and $500K Dreams—Gen Z Gets Real

    Toxic Workplaces, Budget Hacks, and $500K Dreams—Gen Z Gets Real
    May 16 2025
    Episode 67: It's About People – Burnout, Budgeting, and the Battle for Mental Health In this eye-opening episode of IAP, Brian and Walt shift the spotlight from payroll to people. They tackle the emotional weight of modern life—from Gen Z’s sky-high salary expectations to the growing burnout crisis sweeping American workplaces. 🔥 Topics Covered: Why 66% of workers feel burned out—and why Gen Z is walking away Real talk on inflation vs. pay raises (and how the math never adds up) Budget hacks that can boost both your wallet and your wellness (hello, Costco & Yuka!) The hidden costs of poor nutrition, toxic jobs, and sleep deprivation Emotional wellness strategies from journaling to unplugging and walking barefoot in the grass A bold proposal: should there be a national agency that monitors toxic work environments? This episode is a call to action for employers, leaders, and everyday workers. It’s time to create a world where empathy, health, and humanity come first. Because at the end of the day—it’s not just about payroll. 🧠💵💪 Learn more about your ad choices. Visit megaphone.fm/adchoices
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    49 min
  • Spending Habits Then and Now: A Financial Journey

    Spending Habits Then and Now: A Financial Journey
    May 7 2025
    Welcome to Episode 66, where we delve into how spending habits have evolved over the decades. Join us as we discuss the financial journey through the 80s, 90s, 2000s, and today's digital economy. Learn about the impact of credit cards, online shopping, Yolo culture, and emerging trends like digital payments and AI-driven purchases. We also touch on the importance of diligent financial management, avoiding fraud, and adapting to modern economic challenges. Stay with us till the end for practical tips on budgeting and saving in today's fast-paced world. 00:00 Introduction and Episode Overview 00:18 Spending Habits: Then and Now 00:57 Personal Finance and Cybersecurity 02:30 Gen Z Financial Challenges 03:32 Doom Spending Explained 06:04 Ad Break: Time TrakGO 07:48 Spending Habits Through the Decades 14:51 Criminal Activity and Early Online Shopping 15:38 Cultural Influence and Technology in the Late 90s 17:06 The 2000s: Economic Booms and Busts 20:17 Spending Habits in the 2020s 24:09 Future Predictions and Financial Advice 27:38 Final Thoughts and Community Engagement Links & Resources www.itsaboutyourpaycheck.com https://youtu.be/SJ4nfWAXgXo www.timetrakgo.com/iap - Claim this special offer today! 50% off! Walts News Update - https://fortune.com/article/half-of-gen-z-does-not-have-savings/ Learn more about your ad choices. Visit megaphone.fm/adchoices
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    34 min