Calling all podcasters the 2024 iHeart podcast awards are coming. This is the chance to nominate your podcast for the industry's biggest award.

Submit your podcast for nomination now at iHeart.com slash podcast awards but hurry. Submissions close on October 8th.

Hey, you've been doing all that talking. It's time to get rewarded for it. Submit your podcast today at iHeart.com slash podcast awards.

That's iHeart.com slash podcast awards.

Ready to be inspired? I am polling with the host of Eating Wall Broke Podcast.

Step into a world where I sit down to budget meals created by self-made entrepreneurs, influencers and celebrities.

Together, we revisit the very dishes that fuel their journey from humble beginnings.

Every Thursday, listen to Eating Wall Broke on the Black Effect Podcast Network iHeart Radio App Apple Podcast,

wherever you listen to your podcast. The Black Effect Podcast Network is brought to you by Uber.

Earn like a boss at uber.com slash boss.

Welcome to Before Breakfast, a production of iHeart Radio.

Good morning. This is Laura. Welcome to the Before Breakfast Podcast.

Today's tip is about how to amortize time.

We only get 24 hours a day, but it might be possible to spread out a time-dead, over a more reasonable period of time.

Today's tip comes from my friend Catherine Lewis, who is a freelance journalist, author and conference organizer.

She is usually juggling several projects. She told me that she knew she would be getting a project back to her in the next month or two.

And when she did, it would immediately take several days to deal with.

The problem, of course, is that how on earth can you build an open four days into a busy life, when you don't know exactly when that time payment will come due?

But as we were talking about this, I realized that there are some interesting parallels to money, both in this scenario and in how she was dealing with it.

When it comes to money, many people wind up with large expenses that we take on at times we wouldn't necessarily have that much cash sitting there.

It is great to pay cash for a car, but if that is not going to happen, it is usually possible to borrow the money and pay it off in smaller, regular chunks over a period of, say, three years.

Same with buying business equipment or property, amortized over a longer period of time.

...