October 8, 2025 • 12 mins
Ready to dive into some financial magic? Today, we’re talking about compound interest, and trust me, it’s a big deal. It’s like your money is throwing a party, and every time it gets a little bit bigger, it invites more friends to join in the fun! Seriously though, compounding can turn those small, regular investments into serious cash over time. Think of it as The Power of Compounding: How to Make Your Money Work for You, showing how even modest contributions can grow into a substantial nest egg. But don’t sleep on it; if you wait too long, you could miss out on some serious gains. We’ll also chat about how this same concept can work against you when it comes to debt, so stick around for some real talk on how to be smart with your bucks. Let’s get this money party started!
Check the full podcast episode here
Let’s dive into the magical world of money! In this episode, Ralph takes us through the enchanting realm of compound interest, which he describes as the closest thing to financial magic out there. It’s not just about saving; it’s about your money making money, and then that money making even more money! We break down the concept of compounding, showing how small, regular investments can snowball into serious cash over time. Ralph shares personal anecdotes, like how his son realized that investing just $100 a month could lead to a substantial retirement fund. It’s all about starting early and being consistent, because time is your best friend when it comes to building wealth.
But hold your horses! Compounding isn’t all rainbows and butterflies. Ralph also warns about the dark side: debt. Just as compounding can work for your investments, it can also work against you if you’re racking up credit card debt. The episode emphasizes that understanding both sides of interest is crucial. With relatable stories and practical advice, Ralph encourages listeners to take charge of their finances and avoid the pitfalls of procrastination. The takeaway? Don’t wait around! Start small, be consistent, and watch that financial magic happen!
Takeaways:
- Compound interest is like financial magic; it makes your money earn money over time.
- Starting to invest early, even with a small amount, can lead to huge gains later.
- Consistency in investing beats trying to find the perfect moment to invest your money.
- Compounding works on both sides: it helps your savings grow and can also increase your debts.
- Every delay in starting to invest impacts your potential growth negatively over time.
- Remember, it's not about how much you start with, but how consistently you invest.
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Transcript
Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
(00:00):
Are you ready for somefinancial magic? I might just have
the answer to some financialmagic on the show today. I got this
question from a listener. Ithought, this is great, Ralph. I
keep hearing about compoundinterest. People say it's powerful,
but I really don't understandhow it works. Is it really that big
of a deal? And I thought, yes,it really is that big of a deal.
(00:22):
This is a huge thing. Andhonestly, it's almost like magic.
Because truth is, compoundingis the closest thing to financial
magic you're ever going tosee. What it really is, and we're
going to get into it in thedetails here in just a bit. It's
your money earning money onyour own money and those money start
earning money too. And it canturn those small things into big
(00:45):
results. Money for money.That's what we're going to talk about
on today's show. This isFinancially Confident Christian,
your daily dose of gospel,grounded insight and faith driven
tips to help you break thecycle of financial shame with confidence.
Hello there and welcome. Myname is Ralph. Thank you again for
joining me on FinanciallyConfident Christian. My passion every
(01:08):
day is to help you become amore financially confident Christian
and to finally break thatcycle of so many of us feel that
cycle of financial shame andhelp you replace that fear with confidence.
And I've been doing this for30 years. One of the things that
I have used as a quote, we'llcall it a magic trick, if you will,
is compounding. And I've seencompounding turn just small things.
(01:31):
We're going to talk about somereal numbers here in just a few minutes,
turn small, consistentinvestments into significant wealth
for people. As an example, myson, my oldest son, he said to me
one day, he said, dad, Ilooked the other day and his wife's
name is Hunter and his name isRyan. So Ryan and Hunter, he said
to me, he said, dad, I lookedthe other day and if we put a hundred
(01:54):
dollars a month into aninvestment portfolio because of compounding
debt, I'm going to have a tonof money when I go to retire. And
he is absolutely right. Butthe other side of this and this thing
we're going to kind of dwellon a little bit today is the missed
opportunity. If you wait toolong, you don't get the benefit of
that compound and those missedyears can have a huge difference.
(02:17):
And I think you need to alsounderstand is it works both ways.
Compounding can help you onthe saving side, but it hurts you
on the borrowing side. Solet's get right into it. I had this
client, this guy said to me,come in to meet with me one time,
said, Ralph, I really want tostart investing. And I said, that's
a great idea. And he says, butI've always heard I got to have tons
(02:38):
of money. And I talked aboutthat the other day on the show. You
definitely don't need tons ofmoney. So if you're listening right
now, you're like, Ralph, I getit. I don't have a ton of money.
Neither did I at the time.This client came in, sat down with
me, and he says, what I can dois I can put $100 a month away. Now,
this client was 22 years oldat the time, and by the time they
retired, they had more thansomeone who was 40 years old, had
(03:01):
started at 40 years old andcontributed twice as much. See, that's
the magic part. I love whatAlbert Einstein said. He's often
credited with calling compoundinterest. And I thought this was
great. He called it the eighthwonder of the world, because he gets
it. He understands. And thisis what his quote said. It said,
hugh understands. And I wastalking about compounding interest
(03:23):
at the time. He who understandit, earns it. He who doesn't, pays
it. And see, that's the key tothis. He saw both sides of this transaction.
Because compounding helps youon the same side. Yes, it takes small
investments and over time,makes them grow. Well, guess what?
Here's the problem. It alsomakes those debts grow over time
as well. So let's get intosome key points, and then we'll dig
(03:46):
a little deeper here in aminute. But compounding at a very
basic system is just yourmoney earning money on itself. And
then when those things start,that money earns as well. It's what
we call the multiplier. Andtime matters more than any amount
in this. That's the thing Iwant you to really understand today.
It's not about the amount,it's about the time. So the earlier
(04:08):
you start, truthfully, thebetter it will be later, because
time, again, matters more thanmoney. One of the things I really
like about this, though, itallows somebody like you, who doesn't
have a ton of money to invest,to make small, consistent investments
over time. Think about it likethis. The turtle and the hare probably
(04:28):
remember this as a child, thatidea of that race between the tortoise
and the hare. And you, whenyou're looking at this, you're like,
oh, the hair is bigger, it'sstronger, it's faster. But what do
we always find out? Thetortoise wins. Why Consistency. And
that's what we're talkingabout here. The problem with this,
though, and I alluded to thisa few minutes ago, if you don't start
(04:51):
it at the beginning, thatwaiting is going to cost you. And
every year that you delay orevery month that you delay investing,
that's killing your potentialgrowth. But like I said, you also
have to understand this worksboth ways. So it's great from the
investing side, but if you'vegot that credit card, credit cards
have compound interest aswell. And if you're only making that
(05:15):
minimum payment, I've doneshows on that. Just a couple weeks
ago, I did a show about that.If you're only making that minimum
payment, that stuff can trulybury you. And I've seen this kill
so many people's finances overthe years, and it just buries you
a little bit at a time. Let'sget a little deeper into this because
I really want you to reallyget into the understanding of what
(05:35):
compounding is. Because whenyou understand this, it truly is
magic. It's very definitionwhen interest or growth applies not
only on your original money.That's what we're talking about,
not just on the money you putinto it, but also on the previous
growth. So you put $10 in that$10 gross to 11. Well, guess what,
with compounding, now, thatinterest is calculated on 11, not
(05:57):
on the original 10. So thatbecomes a multiplier. And that's
why time makes such a hugedifference here. The more time you
have, the more multiplicationyou'll see because even small amounts.
I'm going to give you someactual numbers here in a few minutes.
Even small numbers will growlarger decades and decades and decades
after you put that money in.So the key is here, big takeaway
(06:19):
for today. The earlier youstart, the more dramatic the effort
is going to be. And it's ahuge effect. And like we talked about,
picture that tortoise, picturethat turtle. It's all about consistency.
And that beats timing. Itreally does. And it beats the amount.
Honestly, if regular investingmatters more than predicting some
(06:39):
future moment, you got to beatthis idea of perfection. So many
people think, well, I've gotto find the perfect time so that
I can invest. But that's thewhole point of this kind of compounding
thing. Now, again, let's takea minute and let's talk about the
other side of that. Because somany people find themselves in this
debt trap because compoundinterest works the same way on the
debt side. And that interestjust continues to dig a hole deeper
(07:02):
and deeper and Deeper. So mybig charge for you right now, you
don't need thousands ofdollars to start with. Let me give
you some simple numbers here.I ran this calculation. Me. Look
down in my notes here for asecond. I ran this calculation, and
if you put $25 a monthstarting at age 25. Use 25 and 25
to make it simple. $25 amonth. At age 25, let's assume 8%
(07:27):
return on your investment,which isn't a bad return. And again,
this is. You don't needthousands to start 25 bucks. I think
we can find 25. I bet you canfind 25 today. 25amonth starting
at age 25. By the time youturn 65, you will have $87,275. That's
(07:47):
how much that will be worth.You're thinking, Ralph. Well, at
$25 a month, yes. Here's themost brilliant part of this. Your
original investment's only$12,000. If you take $25 times 12
months, times 40 years, inthis case, $12,000 is your original
investment. But. But that hasnow grown to $87,275. What's the
(08:10):
earnings on that? I'll do themath for you. It's $75,275 at $25
a month. And see, that's huge.And that's why I thought it was so
important to bring thatmessage to you today, compounding
for the consistent person whenyou start early. So I always tell
people as they're listening tothe show, start early, start investing
(08:32):
early, start. Because you cansee the return just at $25. Imagine
if that was a hundred dollars.Imagine that. Let's tie this into
Scripture. I actually foundtwo verses today. First one's from
Proverbs, chapter 13, verse11. And I use this one because this
is all about that consistencypiece. Again, this is Proverbs 13:11.
Dishonest money dwindles away.But whoever gathers money, little
(08:55):
by little, makes it grow. Andsee, that's what Scripture is pointing
to here. Scripture is pointingto that consistency, that compounding,
it's rewarding. It's steady.And from a biblical perspective,
it's all about that faithfuldiligence. And here's the other verse
I found. I thought this onewas a great one as well. This is
(09:16):
from the book of Galatians,chapter 6, verse 9. And again, this
is all about consistency. Andstay in that course, starting early.
Galatians 6, 9. Let us notbecome weary in doing good, for at
the proper time we will reap aharvest if we do not give up. Think
about that $25 investment, $25a month, that consistency, not giving
(09:38):
up. And what are we talkingabout here? It's that faithfulness
over time. And it's thatfaithfulness of just that consistency
of putting that money intothat investment portfolio. And I
thought, you know what, thisapplies in life and our finances,
when we're consistent when wedo those things day in and day out
(09:58):
to be a better person, to bethat Christian person we want to
be. So that's my real key fortoday, consistency and take advantage
of some compounding magic. Whyabout we pray together now? Father,
we just come to you today andwe are just so thankful for this
beautiful thing ofcompounding. We just thank you for
the provision you give us inour lives every day. And we just
(10:19):
ask that if we haven't startedinvesting that you would give us
the discipline to start thateven if it feels small. We feel so
minute in some of thesethings. But Lord, help us to find
that 10 or $25 a month tostart that investment and to be diligent
in that, as the scripturesays, to gather it little by little,
Lord, and let it grow. And weask you to give us patience. And
(10:41):
not a lot of people say,Ralph, don't pray about patience.
But Lord, we ask for yourpatience in this, to not have that
focus on that get rich quickscheme overnight. So many people,
we see that around us. But howhelp us to be patient in that, Lord?
Help us to reap a harvest ofthis consistency and this faithfulness.
At the same time, help us tohave wisdom, to get out of debt where
we found ourselves in order tostay out of debt. Help us to realize
(11:03):
that that will compoundagainst us and help us to really
focus our efforts not on somuch on what's in our investments,
but what's in you, Lord. Andhelp us to really find our value.
And we ask all these things inthe name of Jesus. Amen. Discipline
over time. Just get started.Even if it starts small, have that
patience, let time do its workand avoid that temptation of getting
(11:27):
into debt. So here's my oneaction item for today. Go find a
$25 and make that investmentand do it every month. And you will
absolutely be amazed at justhow much that can grow over your
lifetime. And I just want tothank you for joining me today. One
of the things I'd love to dofor you is I just finished writing
my third book. My third bookis called How to Become a Financially
(11:48):
Confident Christian As I wrotethis book, I'm thinking there are
people out there, you might beone of these people right now listening,
who just needs a set of toolsand a set of people that have been
through this before. And Itook 30 years of my experience here
doing accounting and workingwith people, and I put that into
this book. It's really a laborof love and a passion. I want to
give you a copy of that bookfor free. You can get that book by
(12:08):
going to my website. That'sFinanciallyConfidentChristian.com/becoming. Go
right to that website again,that's FinanciallyConfidentChristian.com/becoming.
Then you can download a copyof the book right then and there,
no questions asked. I wouldlove to give it to you now. I really
hope today has been impactfulfor you. Let's all work together
to become those financiallyconfident Christians because I know
(12:31):
you can do this. Have someconfidence in yourself, because most
than me having a confidence inyou, the Lord has confidence in you.
So stay financially savvy outthere. God bless you. And you have
a great day today.
Are you ready for somefinancial magic? I might just have
the answer to some financialmagic on the show today. I got this
question from a listener. Ithought, this is great, Ralph. I
keep hearing about compoundinterest. People say it's powerful,
but I really don't understandhow it works. Is it really that big
of a deal? And I thought, yes,it really is that big of a deal.
(00:22):
This is a huge thing. Andhonestly, it's almost like magic.
Because truth is, compoundingis the closest thing to financial
magic you're ever going tosee. What it really is, and we're
going to get into it in thedetails here in just a bit. It's
your money earning money onyour own money and those money start
earning money too. And it canturn those small things into big
(00:45):
results. Money for money.That's what we're going to talk about
on today's show. This isFinancially Confident Christian,
your daily dose of gospel,grounded insight and faith driven
tips to help you break thecycle of financial shame with confidence.
Hello there and welcome. Myname is Ralph. Thank you again for
joining me on FinanciallyConfident Christian. My passion every
(01:08):
day is to help you become amore financially confident Christian
and to finally break thatcycle of so many of us feel that
cycle of financial shame andhelp you replace that fear with confidence.
And I've been doing this for30 years. One of the things that
I have used as a quote, we'llcall it a magic trick, if you will,
is compounding. And I've seencompounding turn just small things.
(01:31):
We're going to talk about somereal numbers here in just a few minutes,
turn small, consistentinvestments into significant wealth
for people. As an example, myson, my oldest son, he said to me
one day, he said, dad, Ilooked the other day and his wife's
name is Hunter and his name isRyan. So Ryan and Hunter, he said
to me, he said, dad, I lookedthe other day and if we put a hundred
(01:54):
dollars a month into aninvestment portfolio because of compounding
debt, I'm going to have a tonof money when I go to retire. And
he is absolutely right. Butthe other side of this and this thing
we're going to kind of dwellon a little bit today is the missed
opportunity. If you wait toolong, you don't get the benefit of
that compound and those missedyears can have a huge difference.
(02:17):
And I think you need to alsounderstand is it works both ways.
Compounding can help you onthe saving side, but it hurts you
on the borrowing side. Solet's get right into it. I had this
client, this guy said to me,come in to meet with me one time,
said, Ralph, I really want tostart investing. And I said, that's
a great idea. And he says, butI've always heard I got to have tons
(02:38):
of money. And I talked aboutthat the other day on the show. You
definitely don't need tons ofmoney. So if you're listening right
now, you're like, Ralph, I getit. I don't have a ton of money.
Neither did I at the time.This client came in, sat down with
me, and he says, what I can dois I can put $100 a month away. Now,
this client was 22 years oldat the time, and by the time they
retired, they had more thansomeone who was 40 years old, had
(03:01):
started at 40 years old andcontributed twice as much. See, that's
the magic part. I love whatAlbert Einstein said. He's often
credited with calling compoundinterest. And I thought this was
great. He called it the eighthwonder of the world, because he gets
it. He understands. And thisis what his quote said. It said,
hugh understands. And I wastalking about compounding interest
(03:23):
at the time. He who understandit, earns it. He who doesn't, pays
it. And see, that's the key tothis. He saw both sides of this transaction.
Because compounding helps youon the same side. Yes, it takes small
investments and over time,makes them grow. Well, guess what?
Here's the problem. It alsomakes those debts grow over time
as well. So let's get intosome key points, and then we'll dig
(03:46):
a little deeper here in aminute. But compounding at a very
basic system is just yourmoney earning money on itself. And
then when those things start,that money earns as well. It's what
we call the multiplier. Andtime matters more than any amount
in this. That's the thing Iwant you to really understand today.
It's not about the amount,it's about the time. So the earlier
(04:08):
you start, truthfully, thebetter it will be later, because
time, again, matters more thanmoney. One of the things I really
like about this, though, itallows somebody like you, who doesn't
have a ton of money to invest,to make small, consistent investments
over time. Think about it likethis. The turtle and the hare probably
(04:28):
remember this as a child, thatidea of that race between the tortoise
and the hare. And you, whenyou're looking at this, you're like,
oh, the hair is bigger, it'sstronger, it's faster. But what do
we always find out? Thetortoise wins. Why Consistency. And
that's what we're talkingabout here. The problem with this,
though, and I alluded to thisa few minutes ago, if you don't start
(04:51):
it at the beginning, thatwaiting is going to cost you. And
every year that you delay orevery month that you delay investing,
that's killing your potentialgrowth. But like I said, you also
have to understand this worksboth ways. So it's great from the
investing side, but if you'vegot that credit card, credit cards
have compound interest aswell. And if you're only making that
(05:15):
minimum payment, I've doneshows on that. Just a couple weeks
ago, I did a show about that.If you're only making that minimum
payment, that stuff can trulybury you. And I've seen this kill
so many people's finances overthe years, and it just buries you
a little bit at a time. Let'sget a little deeper into this because
I really want you to reallyget into the understanding of what
(05:35):
compounding is. Because whenyou understand this, it truly is
magic. It's very definitionwhen interest or growth applies not
only on your original money.That's what we're talking about,
not just on the money you putinto it, but also on the previous
growth. So you put $10 in that$10 gross to 11. Well, guess what,
with compounding, now, thatinterest is calculated on 11, not
(05:57):
on the original 10. So thatbecomes a multiplier. And that's
why time makes such a hugedifference here. The more time you
have, the more multiplicationyou'll see because even small amounts.
I'm going to give you someactual numbers here in a few minutes.
Even small numbers will growlarger decades and decades and decades
after you put that money in.So the key is here, big takeaway
(06:19):
for today. The earlier youstart, the more dramatic the effort
is going to be. And it's ahuge effect. And like we talked about,
picture that tortoise, picturethat turtle. It's all about consistency.
And that beats timing. Itreally does. And it beats the amount.
Honestly, if regular investingmatters more than predicting some
(06:39):
future moment, you got to beatthis idea of perfection. So many
people think, well, I've gotto find the perfect time so that
I can invest. But that's thewhole point of this kind of compounding
thing. Now, again, let's takea minute and let's talk about the
other side of that. Because somany people find themselves in this
debt trap because compoundinterest works the same way on the
debt side. And that interestjust continues to dig a hole deeper
(07:02):
and deeper and Deeper. So mybig charge for you right now, you
don't need thousands ofdollars to start with. Let me give
you some simple numbers here.I ran this calculation. Me. Look
down in my notes here for asecond. I ran this calculation, and
if you put $25 a monthstarting at age 25. Use 25 and 25
to make it simple. $25 amonth. At age 25, let's assume 8%
(07:27):
return on your investment,which isn't a bad return. And again,
this is. You don't needthousands to start 25 bucks. I think
we can find 25. I bet you canfind 25 today. 25amonth starting
at age 25. By the time youturn 65, you will have $87,275. That's
(07:47):
how much that will be worth.You're thinking, Ralph. Well, at
$25 a month, yes. Here's themost brilliant part of this. Your
original investment's only$12,000. If you take $25 times 12
months, times 40 years, inthis case, $12,000 is your original
investment. But. But that hasnow grown to $87,275. What's the
(08:10):
earnings on that? I'll do themath for you. It's $75,275 at $25
a month. And see, that's huge.And that's why I thought it was so
important to bring thatmessage to you today, compounding
for the consistent person whenyou start early. So I always tell
people as they're listening tothe show, start early, start investing
(08:32):
early, start. Because you cansee the return just at $25. Imagine
if that was a hundred dollars.Imagine that. Let's tie this into
Scripture. I actually foundtwo verses today. First one's from
Proverbs, chapter 13, verse11. And I use this one because this
is all about that consistencypiece. Again, this is Proverbs 13:11.
Dishonest money dwindles away.But whoever gathers money, little
(08:55):
by little, makes it grow. Andsee, that's what Scripture is pointing
to here. Scripture is pointingto that consistency, that compounding,
it's rewarding. It's steady.And from a biblical perspective,
it's all about that faithfuldiligence. And here's the other verse
I found. I thought this onewas a great one as well. This is
(09:16):
from the book of Galatians,chapter 6, verse 9. And again, this
is all about consistency. Andstay in that course, starting early.
Galatians 6, 9. Let us notbecome weary in doing good, for at
the proper time we will reap aharvest if we do not give up. Think
about that $25 investment, $25a month, that consistency, not giving
(09:38):
up. And what are we talkingabout here? It's that faithfulness
over time. And it's thatfaithfulness of just that consistency
of putting that money intothat investment portfolio. And I
thought, you know what, thisapplies in life and our finances,
when we're consistent when wedo those things day in and day out
(09:58):
to be a better person, to bethat Christian person we want to
be. So that's my real key fortoday, consistency and take advantage
of some compounding magic. Whyabout we pray together now? Father,
we just come to you today andwe are just so thankful for this
beautiful thing ofcompounding. We just thank you for
the provision you give us inour lives every day. And we just
(10:19):
ask that if we haven't startedinvesting that you would give us
the discipline to start thateven if it feels small. We feel so
minute in some of thesethings. But Lord, help us to find
that 10 or $25 a month tostart that investment and to be diligent
in that, as the scripturesays, to gather it little by little,
Lord, and let it grow. And weask you to give us patience. And
(10:41):
not a lot of people say,Ralph, don't pray about patience.
But Lord, we ask for yourpatience in this, to not have that
focus on that get rich quickscheme overnight. So many people,
we see that around us. But howhelp us to be patient in that, Lord?
Help us to reap a harvest ofthis consistency and this faithfulness.
At the same time, help us tohave wisdom, to get out of debt where
we found ourselves in order tostay out of debt. Help us to realize
(11:03):
that that will compoundagainst us and help us to really
focus our efforts not on somuch on what's in our investments,
but what's in you, Lord. Andhelp us to really find our value.
And we ask all these things inthe name of Jesus. Amen. Discipline
over time. Just get started.Even if it starts small, have that
patience, let time do its workand avoid that temptation of getting
(11:27):
into debt. So here's my oneaction item for today. Go find a
$25 and make that investmentand do it every month. And you will
absolutely be amazed at justhow much that can grow over your
lifetime. And I just want tothank you for joining me today. One
of the things I'd love to dofor you is I just finished writing
my third book. My third bookis called How to Become a Financially
(11:48):
Confident Christian As I wrotethis book, I'm thinking there are
people out there, you might beone of these people right now listening,
who just needs a set of toolsand a set of people that have been
through this before. And Itook 30 years of my experience here
doing accounting and workingwith people, and I put that into
this book. It's really a laborof love and a passion. I want to
give you a copy of that bookfor free. You can get that book by
(12:08):
going to my website. That'sFinanciallyConfidentChristian.com/becoming. Go
right to that website again,that's FinanciallyConfidentChristian.com/becoming.
Then you can download a copyof the book right then and there,
no questions asked. I wouldlove to give it to you now. I really
hope today has been impactfulfor you. Let's all work together
to become those financiallyconfident Christians because I know
(12:31):
you can do this. Have someconfidence in yourself, because most
than me having a confidence inyou, the Lord has confidence in you.
So stay financially savvy outthere. God bless you. And you have
a great day today.
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If you've ever wanted to know about champagne, satanism, the Stonewall Uprising, chaos theory, LSD, El Nino, true crime and Rosa Parks, then look no further. Josh and Chuck have you covered.
CrimeLess: Hillbilly Heist
It’s 1996 in rural North Carolina, and an oddball crew makes history when they pull off America’s third largest cash heist. But it’s all downhill from there. Join host Johnny Knoxville as he unspools a wild and woolly tale about a group of regular ‘ol folks who risked it all for a chance at a better life. CrimeLess: Hillbilly Heist answers the question: what would you do with 17.3 million dollars? The answer includes diamond rings, mansions, velvet Elvis paintings, plus a run for the border, murder-for-hire-plots, and FBI busts.
Dateline NBC
Current and classic episodes, featuring compelling true-crime mysteries, powerful documentaries and in-depth investigations. Follow now to get the latest episodes of Dateline NBC completely free, or subscribe to Dateline Premium for ad-free listening and exclusive bonus content: DatelinePremium.com