Complete list of Personal Finance Podcasts - Listen & Review on Goodpods
50 Episodes
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Avg Length 34m
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Latest episode 2 years ago
A light-hearted exploration of the emotional side of money. Many of us have good intentions about getting on top of our financial admin, budgeting better, and saving more, and in theory it sounds so easy. But then real life gets in the way, we're tired or frustrated or busy and somehow everything has slipped again. Money coach, Martha Lawton asks expert guests about how we normal humans can understand our financial behaviour and use that knowledge to manage money in ways that actually work in our messy, complicated lives. Hosted on Acast. See acast.com/privacy for more information.
313 Episodes
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Avg Length 48m
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Latest episode 4 days ago
"This podcast will leave you feeling inspired to take a more proactive approach to your savings, earnings, & expenses." - BuzzFeed | Yo Quiero Dinero is an award-winning personal finance podcast that empowers listeners on topics like entrepreneurship, investing, financial independence & money mindset. Hosted by Jannese Torres, Latina money expert, author and entrepreneur. Known as “the swaggiest personal finance podcast", each week we drop episodes brimming with POC-friendly personal finance knowledge, served with sazón! Visit us at YoQuieroDineroPodcast.com. Become a member at https://plus.acast.com/s/YoQuieroDinero. Hosted on Acast. See acast.com/privacy for more information.
84 Episodes
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Avg Length 25m
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Latest episode 2 days ago
You had your best-laid plans and then COVID-19 came along and hammered the entire economy. But you’ve got this – if you have the right information. Join The Globe and Mail’s personal finance team, columnist Rob Carrick and editor Roma Luciw, as they guide you through one of the biggest stress tests your finances will ever face. If you’re between 20 and 40, this financial advice is for you.
297 Episodes
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Avg Length 43m
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Latest episode 5 days ago
On this podcast we discuss how to create passive income from real estate, investing, side hustles and more. Our mission is to show people that financial independence is possible no matter their income level. This podcast is designed to be an educational tool to help you become financially independent. We want you to beat your debt, build your wealth, and control your future!
36 Episodes
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Avg Length 37m
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Latest episode 1 day ago
Welcome to 'How I Built My Small Business,' where we dive deep into conversations with guests who've carved out their own path to success. But, we're not only about the creation of businesses. Alongside entrepreneurs, I also chat with experts offering perspectives that'll benefit anyone striving to lead, learn, or improve.This is a creative outlet and a way to share knowledge from incredible people.My guests share the raw, heartwarming details of their experiences with one goal in mind: to provide real insight that'll help others.By listening to these interviews and stories, my hope is that you find even one little takeaway that sparks or inspires your path. While most of my guests rake in $1 million to $20 million net profit a year, some make more and some make less, but there is a lesson worth learning in each one. I also bring in special guests from brokering and mergers, mindset and meditation, entertainment and marketing, among others. So, the line-up is diverse in niche, experience and perspective - and so, so fun.Special episodes include:No College, No ProblemBig business founders with a focus on helpful small business topicsExperts in their fieldsBut, here's the kicker - every single one of my guests has started their own business at some point in their journey.Thank you for listening.Please fill out this 1 minute survey to help me better understand my listener:https://www.surveymonkey.com/r/QNMFBCGMy Website: https://www.annemcginty.com/LinkedIn: https://www.linkedin.com/in/annemcginty/Behind-The-Scenes: https://www.instagram.com/annemcgintyhost
119 Episodes
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Avg Length 48m
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Latest episode 25 days ago
Personal development for personal finance. (Formerly The Passive Income Project)
196 Episodes
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Avg Length 15m
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Latest episode 4 days ago
Ari Taublieb is a CERTIFIED FINANCIAL PLANNERTM and Vice President of Root Financial Partners. Ari Taublieb, CFP®, MBA specializes in helping people navigate an early retirement. I get it...retirement sounds overwhelming (an early retirement may sound particularly overwhelming)! Does it just feel like there's so much to consider and you just want to make sure you're doing everything you can to set yourself up right? If I may ask...why do YOU want to retire early? Do you want to travel? Have you just had enough of work? Do you want to spend more time with family (or on hobbies you've been putting off)? I created this podcast to help you know when work is now optional because you have a financial strategy that tells you when you can retire. You will learn all the investing tips in this financial podcast to set up the right portfolio for your goals. You may love what you do - and if that's you, great! I'm not saying stop working. But, I am saying, wouldn't it be nice to know when you didn't HAVE to work any more? When you would only go to work because you enjoyed it (crazy concept, I know). This is the ultimate retirement podcast (specifically, early retirement!). Retiring early, also known simply as "financial freedom", is having the ability to do what you care most about, MORE!I don't want you to work unless you ENJOY it (finances aside, for just a moment)! My goal of this podcast is to give you all the tips and strategies so you can retire EARLY. Retirement planning, investing, personal finance, tax strategy, and you'll hear case studies from my clients and exactly how I've helped them navigate the transition into retirement. What are the right investment accounts to have in retirement? I want retirement planning to be simple for you so that you can retire early and maximize your retirement goals. Become a retiree and enjoy everything you've been waiting for your whole life (and start practicing retirement today)! I release new episodes every Monday with all the strategies (you'll learn that I love examples) so you can maximize your return on life (we use money to do this).
248 Episodes
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Avg Length 27m
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Latest episode 3 days ago
Discover the keys to financial success with Dr. Latifat on the MoneyfitMD Podcast. Learn how to master your finances and create a life of wealth and fulfillment. Join a growing community dedicated to financial empowerment and transform your net worth from the inside out.Tune in to unlock your potential and start your journey to financial freedom and personal growth. This is your path to becoming financially empowered and living a truly rich life.Perfect for anyone looking to improve their financial literacy, the MoneyfitMD Podcast offers practical guidance on topics like:Debt managementInvestingBudgetingBuilding net worthAnd much more!Join Dr. Latifat and a community of like-minded individuals on the path to financial empowerment. Subscribe today and start your journey to a richer, more fulfilling life!
141 Episodes
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Avg Length 11m
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Latest episode 2 days ago
A podcast at the intersection of social impact and personal finance that covers questions of how we might spend, donate, and invest more in line with our values.Hosted by Genet "GG" GimjaFormerly known as the Spend Donate Invest Podcast
688 Episodes
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Avg Length 51m
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Latest episode 2 days ago
Join Glen James as he helps you sort your money out and get invested. Money, property, careers, life & everything in between.Formerly this is money & my millennial money. Hosted on Acast. See acast.com/privacy for more information.
202 Episodes
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Avg Length 22m
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Latest episode 8 days ago
Your REAL personal finance questions answered by CERTIFIED FINANCIAL PLANNERTM professionals, Scott Frank and Meg Bartelt. With all of the misinformation and jargon in the financial industry, it's no wonder most people are confused about how to best manage their money. James and Meg are here to give clear answers to the important questions they hear most often. If you're ready to use your finances to create a more secure financial future, this show is for you.
683 Episodes
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Avg Length 17m
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Latest episode 3 days ago
Discover the Why Not Mint Money podcast for financial success. From savvy money-making strategies to expert tips on maximizing your savings, we've got you covered. Join us on this journey to unlock your financial potential. This is a Mint production, brought to you by HT smartcast.
95 Episodes
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Avg Length 34m
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Latest episode 1 day ago
Childfree Wealth® means having the time, money, and freedom to achieve your goals and dreams. Being Childfree or permanently childless does not automatically make you 'rich' but it does give you more flexibility in where you invest your time and resources. Join Bri Conn. Childfree Weatlth Specialist® & Dr. Jay Zigmont, CERTIFIED FINANCIAL PLANNERTM, for discussions on life and personal finance that reflect the unique needs of those who are Childfree or permanently childless.DISCLOSURE: This podcast is for educational and entertainment purposes. Please consult your advisors before implementing any ideas heard on this podcast. For more information and disclosures, visit https://childfreewealth.com
582 Episodes
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Avg Length 8m
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Latest episode 11 hours ago
In an uncertain and rapidly changing world, Steve Forbes sits down with today’s leading business and economic minds to give listeners a better grasp of what’s ahead, and shares his own perspectives on the day’s most pressing issues.
296 Episodes
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Avg Length 39m
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Latest episode 8 days ago
The Standard Deviations podcast is a weekly production that looks at money, mind and meaning, all through a psychological lens. Each week, psychologist and New York Times bestselling author Dr. Daniel Crosby interviews a fascinating new guest, experts in everything from finance to literature to wellness. Each guest provides listeners with three concrete ways to apply what was learned that week, ensuring that weekly listening becomes part of a path to a richer life. Episodes are brief, research-based, and designed to fit perfectly within your commute time. So, tune in for practical news that will help you make more, think more and be more. Learn more by following Dr. Daniel @danielcrosby or visit the website at www.standarddeviationspod.com/ Standard Deviations is presented by Orion.
44 Episodes
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Avg Length 43m
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Latest episode 3 years ago
Every Black woman has a story to tell, and every story has a journey.UNBOSSED goes deep into the stories, beyond the awards and attention, to highlight the known and those you need to know. Host, Marquita Harris (ESSENCE's Senior Editor of Work and Money) dives into the professional and personal lives of thought leaders, entrepreneurs, self-starters and beyond. Let's talk about it - money, ambition, careers, entrepreneurship, debt and more. Join the conversation. #unbossedpodcast
218 Episodes
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Avg Length 22m
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Latest episode 6 days ago
Investing compass is brought to you by Morningstar Australia. We’ll run through the fundamentals of investing, taking a deep dive of concepts and offer practical explanations, tools and resources that will allow you to invest confidently. The information contained in this podcast is general in nature, it does not take into consideration your personal objectives, financial situation or needs. Hosted on Acast. See acast.com/privacy for more information.
232 Episodes
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Avg Length 62m
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Latest episode 2 days ago
Weekly podcast episodes with the sharpest minds in the world to help you live a richer & more fulfilling life. Previous guests include Luke Belmar, Justin Waller, Sahil Bloom, Gad Saad, Peter Schiff, Stirling Cooper, Jack Hopkins, Sadia Khan, Matt Gray, Daniel Priestley, Richard Cooper, Justin Welsh, Arlin Moore and more.
31 Episodes
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Avg Length 14m
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Latest episode 7 months ago
Welcome to Savvy Budget Girl, the podcast where money talks get real—laughably real—but still smart, because who says you can't laugh while building your net worth? Join host Wendy Coop, Navy veteran, author, and all-around financial whiz as she dives into the nuts and bolts of making your money behave.On Savvy Budget Girl, she’s here to arm you with the tools to end every month with a victory dance around your surplus of cash. Say goodbye to the paycheck-to-paycheck two-step and hello to financial freedom. She is a certified financial education instructor and an Accredited Financial Counselor® candidate.Wendy's mission is clear: to make financial literacy accessible, engaging, and, dare we say, fun. This is your invitation to join a community of high-flying women who are ready to take charge of their financial destinies. Buckle up, and let’s show your budget who’s boss!
123 Episodes
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Avg Length 51m
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Latest episode 2 years ago
Dr. Brent W. Lacey, M.D. teaches healthcare professionals how to manage their businesses successfully and master their personal finances. Most physicians and dentists enter their profession with large amounts of personal debt, and beyond that - they begin working with no knowledge of how to actually run a clinical practice. You should be able to help your patients and do what you love without being stressed by all the other obligations that come with managing your medical practice. Dr. Lacey interviews physicians and other industry experts on topics such as physician burnout, financial independence, business management, leadership, personal growth, marriage, parenting, side hustles, marketing and branding, and medical education. You shouldn’t have to feel overwhelmed by the pressures of running your practice or by your own personal finances. Restore the joy you receive from helping your patients, knowing you have the knowledge and skills to handle all the other responsibilities that come with that. Hit “subscribe” and get ready to change your life.
569 Episodes
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Avg Length 38m
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Latest episode 23 hours ago
The Financial Coconut is Singapore’s First Finance Podcast Network. We are focused on covering insights, stories and frameworks around Retirement, Financial Wellness and Income anywhere. If you love what we do, join our email list to stay connected.Feel free to join our communityTelegram group! https://t.me/thefinancialcoconutpodcastWhatsapp channel: https://rebrand.ly/whatsapp-join-TFCMore of what we do: https://linkin.bio/thefinancialcoconut Hosted on Acast. See acast.com/privacy for more information.
11 Episodes
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Avg Length 50m
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Latest episode 4 years ago
Caleb Kioh, Founder of the WalletGyde, talks with top industry professionals to go on a financial journey that creates a platform for success. The habits learned will change your financial lifestyle so you can more easily manage your money. Follow @WalletGyde on IG to develop the right habits to save!
61 Episodes
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Avg Length 52m
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Latest episode 2 years ago
Why does coffee taste better when you pay with cash? How did a victim of human trafficking take her knowledge of how the money flows in that world to become a law enforcement consultant? How does an economist think about Bitcoin? There's so much more to money than just investment portfolios.Mostly Money not only teaches you how to take control of your finances, it explores the full world of all things money with expert interviews conducted by Preet Banerjee (former television host for Oprah Winfrey).
45 Episodes
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Avg Length 37m
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Latest episode 8 months ago
Host Jon Luskin, CFP® and the Bogleheads® community ask questions to financial experts - live.
83 Episodes
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Avg Length 50m
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Latest episode 3 days ago
Angry Mortgage is a popular podcast hosted by Ron Butler, where he discusses current events and trends in the mortgage industry. Ron is known for his candid and passionate style, often using colorful language and profanity to express his opinions. He covers a range of topics, from the latest developments in mortgage rates to the inner workings of banks and lenders. The show is geared towards both individuals and businesses looking to stay informed and up-to-date on the latest news and trends in the industry. With his extensive knowledge and frank opinions, Ron provides a refreshing and entertaining perspective on the world of mortgages.
318 Episodes
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Avg Length 33m
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Latest episode 3 days ago
Money concepts made simple for busy professionals, hosted by Melbourne-based doctor Dev Raga. New episodes every Wednesday.Formerly named my millennial money professional Hosted on Acast. See acast.com/privacy for more information.
76 Episodes
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Avg Length 32m
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Latest episode 1 day ago
Our hosts Susannah Streeter and Sarah Coles look at what's happening in the markets. In each episode they speak to the likes of fund managers and equity analysts to discover what's driving their portfolios, and their insight on what's happening in the world of investment. Plus unique sector guides, with interviews from guests across key industries.Help us improve this podcast with our short, 10 question survey. This podcast isn't personal advice. If you’re not sure what’s right for you seek advice. Investment rise and fall in value, so investors could make a loss.Produced by Elizabeth Hotson for Superbly Done Productions. Hosted on Acast. See acast.com/privacy for more information.
13 Episodes
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Avg Length 43m
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Latest episode 10 years ago
Words of advice from "Hip Hop's Financial Advisor"
222 Episodes
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Avg Length 29m
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Latest episode 8 days ago
A podcast where Josh Robb and Austin Wilson take you on a journey to better your financial future. Listeners can expect to hear explanations on a variety of investment and financial planning topics, stock market news and analysis, and discussion around many of the stories and decisions facing investors today. The guys aim to bring you relevant and clear thoughts to enable you to be more comfortable with your financial situation (with the occasional dad joke).Learn more at TheInvestedDads.com
74 Episodes
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Avg Length 21m
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Latest episode 2 years ago
Azaria Bell talks with you about your money! Hosted on Acast. See acast.com/privacy for more information.
252 Episodes
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Avg Length 16m
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Latest episode 8 days ago
Nick Bradley looks at the latest investing information, trends, markets and news from all over the internet, so you don't have to. This podcast is produced and published by Oregon Trail Investor in the USA. All information is for entertainment purposes only. The brand "this is investing" is used under license. Hosted on Acast. See acast.com/privacy for more information.
86 Episodes
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Avg Length 26m
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Latest episode 4 months ago
Mean Green Money is your source for all things personal finance at UNT. From budgeting and saving to side hustles and investing, we're here to help you be confident with your money. Want more? Visit our office in Chestnut Hall Suite 115.
5 Episodes
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Avg Length 32m
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Latest episode 4 years ago
Playing with FIRE turns challenges into habits, habits into lifestyles and lifestyles into a better you.
54 Episodes
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Avg Length 25m
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Latest episode 2 months ago
Finance. Feminism. No fucks given. Piggy and Kitty are the reclusive geniuses behind the popular blog Bitches Get Riches. They're teaching young people how to become competent freaking adults in their finances, careers, and personal lives.
Conversations about making money meaningful.
237 Episodes
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Avg Length 38m
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Latest episode 5 days ago
Are You Trapped in a Life Someone Else Chose for You? Let's Change That, Together. 🎙️Hey there, I get it. You're stuck in a world that doesn't get you, right? Everyone around you talks about 'safe jobs,' 'retirement at 65,' and you're just sitting there thinking, "There has to be more than this." I know how heavy that can feel.You've been told to follow the "traditional track," get a stable job, and save pennies for your retirement. Deep down, you sense this isn't for you. But the fear... what if you make a move and it all comes crashing down? What if I told you there's another way?Welcome to the Walk 2 Wealth Podcast. Here, we understand the real struggle isn't just about making money. It's about finding a way to live that doesn't make you hate waking up every morning. It's about chasing freedom, in every sense of the word. Our podcast delivers life-altering content every Sunday, Wednesday, and Friday at 7 a.m. Eastern time.We talk about real things: entrepreneurship, mindset, personal finance, and much more. We bring in people who have broken free, started businesses, and changed their mindset from scarcity to abundance. Just like you want to.Click 'Subscribe' NOW, and become part of a community that understands that life's too short to spend it fulfilling someone else's dream. In our next episode, we're going to unpack a wealth-building secret so transformative, we might have to take it down afterward. Don’t miss it!You're not alone. Darren was where you are. He took the leap, defying his family’s ‘safe’ advice, and now he’s helping his parents buy a house. You can do this, too.Hit ‘Subscribe’ RIGHT NOW. No more missing out because you’re scared of the ‘what ifs.’ The next episode might just be the breakthrough you've been waiting for.Don't let life make choices for you. Make choices for your life. The chance to redefine your path is one click away. Take it. Subscribe TODAY.
31 Episodes
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Avg Length 33m
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Latest episode 3 years ago
The Wallet Wise Guy podcast is all about inspiring young people to make bold financial decisions. Join me as I interview amazing people who paid off tons of student loans, started their first business or achieved financial independence at a young age. Learn how to save more and earn more from the awesome money stories that each podcast guest shares.
10 Episodes
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Avg Length 14m
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Latest episode 4 years ago
The bible is encoded with thousands of secret and hidden messages of knowledge and wisdom. Each verse in the bible is a secret code that needs to be decoded to be properly understood. In the Money Code Secrets podcast we will decode these secret and hidden messages to find practical solutions for life and on how to acquire wealth.
31 Episodes
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Avg Length 20m
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Latest episode 2 months ago
We use our experience as financial planners to help guide you through life's most important financial decisions (and we try to do it in 20 minutes or less).
55 Episodes
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Avg Length 18m
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Latest episode 1 year ago
The more you can learn to think like a wealth advisor, the more confidence you’ll have in your personal financial strategy. From building generational wealth and investing to succession planning and estate planning, hear how experienced wealth advisors approach the big financial questions we all face in our lives. Each episode of Regions Wealth Podcast features a new challenge and fresh insights from a wealth management professional. Regions Bank, Member FDIC, Equal Housing Lender
4 Episodes
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Avg Length 16m
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Latest episode 5 years ago
Looking Ahead: The Retirementality is a personal look at the challenges of retirement planning by Globe and Mail personal finance columnist Rob Carrick. Rob tackles retirement from the point of view of millennials, Gen Xers and baby boomers using his own experiences and advice from financial planners. Tune in to find out how to get your retirement planning on track.
1148 Episodes
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Avg Length 24m
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Latest episode 3 days ago
Henssler Money Talks is your trusted resource for your money, your future, your life. We discuss current market conditions and financial planning encompassing spending, saving, taxes, investments, insurance, retirement, estate plans, and more. We are here to answer your financial questions—email [email protected] or call 1-855-429-9166. Money Talks also airs Saturdays on 920 AM WGKA in Atlanta. Money Talks: Your trusted resource for your money, your future, your life.
90 Episodes
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Avg Length 10m
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Latest episode 2 years ago
Latest Finance, Career, Money, Personal Finance, Business videos from CBN.com
120 Episodes
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Avg Length 38m
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Latest episode 8 months ago
Anjie and RJ paid off 6-figures of student loan debt in less than a year through teamwork, discipline, and intention. As a married couple navigating their life post-parenthood, they know that balancing life can get challenging. Through the stories of successful, ambitious people and couples, it is their hope you will be encouraged to pay off debt, save money, invest, and ultimately become Rich by Intention. Tune in every Tuesday with Anjie and RJ as they inspire you to manage money, marriage, and career with intention. Follow them on Instagram @richbyintention
61 Episodes
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Avg Length 44m
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Latest episode 1 year ago
Are you an American young professional struggling with the discipline needed for success? Then this is the podcast for you. It's weekly Wednesday's episodes are focused specifically on the 5 major categories needed to live a successful and fulfilled life: Happiness, Money, Health, Career, and Relationships. Millennials, although defined by those born from 1985-1996, are often the forgotten middle child sandwiched between Gen X and Gen Z. This podcast narrows the scope a little and focuses more on those born from 1990-1997, to fully capture the fact that the rise of technology and social media being in the formative years instead of in adulthood. It also fixates on the one characteristic trait needed that traverses all of the categories and what many people struggle with due to the nature of the information and knowledge blasting that the Internet provides: Discipline. Join Sammy as he has a mix of deep-dive content as well as interviews with other Millennials who are emerging experts in each of the main categories.
63 Episodes
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Avg Length 48m
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Latest episode 9 days ago
Welcome to The Sugar Daddy Podcast! Jessica and Brandon Norwood are a married, millennial couple, here to help you build wealth, so you can live the life you've always dreamed of. Brandon is an award winning licensed financial planner, with over 10 years' of experience and millions of dollars managed for his clients all over the United States. Every episode will get you one step closer to your financial freedom goals, whether that is getting to “Sugar Daddy” status, or never needing one, they will have you laughing and learning along the way. Tune in as they demystify the realm of dollars, so it all makes cents, while giving you a glimpse into their relationship with money and each other.
198 Episodes
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Avg Length 28m
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Latest episode 3 years ago
YOU NEED MORE MONEY. PERIOD. END OF STORY. Matt created this podcast to bring you the richest, smartest people who are willing to show you how to MAKE MORE MONEY. Matt Manero has built businesses that have financed $1 Billion+ since he launched his first company in 1995. Matt launched his first business, Commercial Fleet Financing, Inc in 1995 with a phone, a folding table. Commercial Fleet Financing, Inc. is a 4 time winner of the coveted Inc. magazine’s Top 500/5000 list of fastest growing companies in America in 2014, 2015, 2016, 2017. Matt has authored 2 books. THE GRIT and his latest book published by Penguin Books - YOU NEED MORE MONEY. This podcast is designed to HELP YOU MAKE MORE MONEY. Learn more about Matt at www.mattmanero.com and www.cffnationwide.com.
100 Episodes
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Avg Length 38m
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Latest episode 2 days ago
NOBS Wealth Podcast: Unpacking the Realities of Wealth and MindsetOverview:Join Stoy Hall in the captivating NOBS Wealth Podcast, where transparent, engaging conversations about wealth and mindset are at the forefront. As a wealth advisor at Black Mammoth, Stoy delves into the financial world with honesty and insight, cutting through the industry jargon to offer clear and actionable advice.Highlights:Money Mindset Series: Explore the intersection of psychology, emotions, and wealth. This series uncovers how your financial decisions are deeply influenced by your personal money story.Minority CFP Series: This series shines a light on the journeys of Black Certified Financial Planners, showcasing their contributions and diversifying perspectives in the financial industry.Alternative Investing Series: An exploration of investment opportunities beyond traditional stocks and bonds, revealing pathways to generational wealth through alternative investments.12 Days of Giving Series: This heartwarming series unveils stories of financial resilience during the holiday season. Listen to 12 client narratives, each revealing the emotional and human side of financial planning. From recent graduates to retirees, these stories emphasize the importance of mindset in overcoming financial challenges.Why Listen?The NOBS Wealth Podcast is more than just a financial advice platform; it's a source of inspiration and empowerment. Stoy Hall brings a wealth of knowledge and a unique, no-nonsense approach to discussing various aspects of finance. Whether you're navigating economic uncertainties or looking for innovative investment strategies, this podcast offers invaluable insights and personal stories to guide and motivate you in your financial journey.
17 Episodes
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Avg Length 28m
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Latest episode 2 years ago
Rick Bloom has been helping people with their money since 1984. No geek speak here - just simple financial advice for the everyday person.
1 Episodes
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Latest episode 13 years ago
Debt has now become a part of everyday life, with personal debt in the UK topping £1.1 trillion in 2005. In this unit, you will explore the different types of debt and loans and some of the associated concepts, arming yourself with more information to plan your financial future. This study unit is just one of many that can be found on LearningSpace, part of OpenLearn, a collection of open educational resources from The Open University. Published in ePub 2.0.1 format, some feature such as audio, video and linked PDF are not supported by all ePub readers.