Podcasts about 13k

Let us chat about today the inches all around us and also about how there is no market in healthcare all at once in this show. Today I am talking with Ivana Krajcinovic. And let me give you some examples of the inches. Two members of a plan get infusions at a hospital. And if these two members had gone down the street to get their infusions, the total cost of the two of them would have been $1 million less … $1 million less! How many inches is a million dollars? For a full transcript of this episode, click here. If you enjoy this podcast, be sure to subscribe to the free weekly newsletter to be a member of the Relentless Tribe. Or the examples Ivana Krajcinovic talks about coming up where an independent practice was charging $135 for a chemo infusion and the hospital down the street was charging for the same exact drug, by the way—the same exact infusion—$13,560 … $135 versus $13,560! We talk about affordability in this country? Member's paying coinsurance off that 13K, by the way. And if you're doing the math at home, that is a 10,000% markup. Or if we start from the Medicare price, it was a 40,000% markup. Then there's another example that Ivana talks about where a plan member went to a hospital and got a $90,000 bill for a series of infusions that, again, down the street would have been $185—all in. Inches much? So, it's pretty clear why the show is part of "The Inches Are All Around Us" series. Why do I say this is part of the "No Market" series? Because look, functioning markets rationalize prices. That's just what they do. So, if you have two places in the exact same geography and one of them is charging 500 times or whatever the other one, you don't have a market if they're both still in business a year later. Ongoing wild price variations is a big tell that there's no market to be had. Another tell, though, is that carrier networks, who are supposed to be the demand curve here—or at least that's what their marketing says or what we are all kind of led to believe—they advertise as high-value networks, right? The fact that any given network experiences essentially no business repercussions for spending a million dollars extra of its plan sponsors' (its customers') money—because that's who's paying for this, the self-insured employer or union, at the end of the day—and the network, the carrier network doesn't lose business as a result … Right? Listen to the show from last week with Jacob Asher, MD (Take Two: EP398) about the carrier nonmarket and why this is the case. But bottom line, if anyone is waiting on a market to constrain prices for them, that is very magical thinking. Where this whole thing is gonna wind up, by the way, is with my guest today, Ivana Krajcinovic, suggesting a roadmap to make a whole lot more likely that you'll pay $135 for an infusion instead of 13 grand. For more on this, do go back and listen to the show with Keith Hartman, RPh, by the way. We teed this off a couple of years ago. That was episode 369. But in Ivana's upcoming roadmap that you're gonna hear about (just doubling down on the spoilers—if I'm gonna do something, I might as well do it well), but in that roadmap, direct contracts with indie practices will feature a starring role. I'm telling you this because if you're one of those folks that listens to like 23 minutes of any given podcast and then bails, make sure you make it to around the 30-minute mark of the show. As I have said several times already, my guest today is the incomparable Ivana Krajcinovic, the outgoing vice president of healthcare delivery at UNITE HERE HEALTH. Ivana has just retired, but she spent over three decades with her team protecting the health and the hard-earned wages of 230,000 hospitality workers. She is exactly the kind of "dangerous expert" that we love to have on the show—someone with the wisdom about how the system actually works and the articulate willingness to talk about it. Okay … so, this conversation about the inches and the nonmarket for infusions specifically in this country, for more information, do go back and read the really excellent Bloomberg News exposé by John Tozzi. It's a really good article, and you'll see everything that we talk about today in writing with all the fact-checking that one would expect from Bloomberg News. So, okay … what we'll do in this episode is, first, we're gonna talk about the infusion nonmarket, the inches and its implications, such as an infusion costing 500 times Medicare when there are 1.5x Medicare options in the same exact health system. Sometimes I just can't even with some of this stuff. But another nonmarket tell, again, is that carrier networks are still in business. We talk all about that. What happens next in this episode is we deconstruct the roadmap that Ivana used to fight back, which starts with (no surprises) drilling into data and ends with direct contracting with independent doctors. And how that happens is by carving out utilization management so that there is site-of-care steerage. So, this is a conversation about fiduciary duty. It's a conversation about transparency, the power of collective action. This podcast is sponsored by Aventria Health Group with an assist from Payerset. And I thank Payerset very much for the financial support. Also mentioned in this episode are UNITE HERE HEALTH; Jacob Asher, MD; Keith Hartman, RPh; Stan Schwartz, MD; ZERO.health; John Tozzi; Aventria Health Group; Payerset; Cora Opsahl; 32BJ Union Health Fund; Jonathan Baran; Peter Hayes; Erik Davis; Autumn Yongchu; Brian Cotter; Bright Spot Insights; John Quinn; Mark Newman; Nomi Health; Preston Alexander; Health Here; Ann Lewandowski; HealthCheck360; Sam Flanders, MD; Shane Cerone; Kada Health; and Cristin Dickerson, MD. For a list of healthcare industry acronyms and terms that may be unfamiliar to you, click here.   You can learn more at uhh.org and by connecting with Ivana on LinkedIn.   Ivana Krajcinovic, PhD, recently retired as vice president for healthcare delivery at UNITE HERE HEALTH (UHH), a national Taft-Hartley Fund that purchases healthcare for over 200,000 unionized hospitality workers and their families. Combining her training as a health economist with more than 30 years working directly with immigrants and the working poor, Ivana oversaw a wide variety of projects. She has deep expertise in engaging participants, ranging from benefit education to chronic disease self-management, as well as in developing peer-to-peer programs. Ivana led a team whose challenge was to radically bend the cost curve while maintaining quality coverage as every dollar that UHH spends on healthcare is a dollar that could go to a worker in wages—higher wages that are likely to do more for workers' health than increasing spending on their healthcare. Ivana and her team have utilized narrow networks, value-based contracts, and direct contracting and have established health centers designed for their members. Ivana has a PhD in economics from Yale University and is the author of From Company Doctors to Managed Care: The United Mineworkers' Noble Experiment (Cornell University Press).   00:00 $135 vs $13,560: How infusion drug prices play into the "Inches All Around Us" series. 02:02 How infusion drug pricing fits into the "No Market" series. 03:19 A roadmap and more episodes on this topic. 04:36 Introducing this week's expert, Ivana Krajcinovic, PhD. 05:10 A must-read Bloomberg News article on infusion pricing. 05:33 An overview of what to expect from this episode. 06:54 The first tell of the infusion nonmarket. 07:41 The price variations that Ivana has seen in the infusion nonmarket. 11:39 How hospital spend affects wage increases affects patients and employees twice over. 12:04 EP373 with Cora Opsahl. 13:43 The second tell of the infusion nonmarket. 14:33 Take Two: EP398 with Jacob Asher, MD. 14:55 EP483 with Jonathan Baran. 16:15 Why networks are apathetic to this pricing discrepancy. 17:55 The factors that play into the nonmarket issue of infusion drug pricing variations. 18:26 EP475 with Peter Hayes. 19:18 EP370 with Erik Davis and Autumn Yongchu. 19:45 Are pricing discrepancies easy to spot? 22:38 Where we have power in a nonmarket situation. 23:22 A recap of the advice in the show so far. 23:39 EP493 with John Quinn. 23:41 EP496 with Mark Newman. 25:51 How you place pricing pressure on an entity. 28:47 EP482 with Preston Alexander. 29:34 How an improved market creates time for better care coordination. 30:52 EP486 with Stan Schwartz, MD. 33:23 The fourth part of the roadmap. 36:41 EP492 and EP490 with Sam Flanders, MD, and Shane Cerone. 36:49 Why serving the community and being fiscally responsible should go hand in hand. 38:05 EP500 with Stacey.   You can learn more at uhh.org and by connecting with Ivana on LinkedIn.   Ivana Krajcinovic, PhD, discusses #infusion #drugpricing on our #healthcarepodcast. #healthcare #podcast #financialhealth #commericalpayermarketplace #digitalhealth #healthcareleadership #healthcaretransformation #healthcareinnovation   Recent past interviews: Click a guest's name for their latest RHV episode! Dr Jacob Asher (Take Two: EP398), Stacey Richter (EP500), Dr Jay Kimmel, Mark Noel, Gary Campbell (Take Two: EP341), Zack Kanter, Mark Newman, Stacey Richter (INBW45)

Every home service operator has a failure story.In this episode of Owned and Operated, John Wilson sits down with Jack Carr (CEO of Rapid Plumbing, Heating, Cooling & Electric in Nashville) to break down the biggest business mistakes they've made — and what those mistakes actually cost.From a $13,000 ad spend weekend that only generated $7,000 in revenue… to overpaying vendors for an entire year… to discovering $80,000 per month in unnecessary purchasing — this is a candid conversation about the operational blind spots that quietly drain profit.The surprising takeaway? Most major failures weren't dramatic. They were data problems. Process problems. Cash flow misunderstandings. And hiring financial leadership too late.If you're scaling a home service business — or planning to — this episode could save you years of expensive lessons.In this episode, we discuss:The $13K marketing mistake and how capacity planning changes everythingHow tightening purchasing controls instantly improved marginsWhy most contractors overpay vendors (and don't even know it)The hidden cost of software bloat and subscription creepConstruction vs. service cash flow — and why mixing the two can hurtWhy hiring a controller earlier would have changed everything

This is my FPL Team for Gameweek 28 with FPL tips to help with your draft! This is your complete FPL GW28 guide to Fantasy Premier League 2025/26 tips for the season! Install my FREE FPL app:

This is everything we learned from FPL this gameweek, and my early Team Selection and transfers for Gameweek 28 of Fantasy Premier League 2025/26! 50% OFF FFSCOUT

JOIN ExpressVPN - https://expressvpn.com/FPLFocal

This is the 620x Top 10K Team, for Gameweek 27, along with the best FPL captain and chip strategy! Don't miss this one packed with Fantasy Premier League 2025/26 FPL tips for Gameweek 27. 50% OFF FFSCOUT

The #1 FPL Manager of All-Time (Tom Dollimore) reveals his Team Selection and transfer plans with Gameweek 27 tips. This is how to Win FPL. Tom - https://x.com/FPLBarbossa Install my FREE FPL app:

This is my FPL Team for Gameweek 27 with FPL tips to help with your draft! This is your complete FPL GW27 guide to Fantasy Premier League 2025/26 tips for the season! Install my FREE FPL app:

These are the BEST players to get for FPL Gameweek 27! Transfer tips for the Goalkeepers, Defenders, Midfielders and Forwards. We also cover the best Fantasy Premier League 2025/26 captain. This includes the best wildcard team and free hit team players. Install my FREE FPL app:

This is everything we learned from FPL this gameweek, and my early Team Selection and transfers for Gameweek 27 of Fantasy Premier League 2025/26! 50% OFF FFSCOUT

This is the 620x Top 10K Team, for Gameweek 26, along with the best FPL captain and chip strategy! Don't miss this one packed with Fantasy Premier League 2025/26 FPL tips for Gameweek 26. 50% OFF FFSCOUT

These are the BEST players to get for FPL Gameweek 26! Transfer tips for the Goalkeepers, Defenders, Midfielders and Forwards. We also cover the best Fantasy Premier League 2025/26 captain. This includes the best wildcard team and free hit team players. Install my FREE FPL app:

This is my FPL Team for Double Gameweek 26 with FPL tips to help with your draft! This is your complete FPL DGW26 guide to Fantasy Premier League 2025/26 tips for the season! Install my FREE FPL app:

The #1 FPL Manager of All-Time (Tom Dollimore) reveals his DGW26 Team Selection and transfer plans with Double Gameweek 26 tips. This is how to Win FPL. Tom - https://x.com/FPLBarbossa Install my FREE FPL app:

This is the 620x Top 10K Team, for Gameweek 25, along with the best FPL captain and chip strategy! Don't miss this one packed with Fantasy Premier League 2025/26 FPL tips for Gameweek 25. 50% OFF FFSCOUT

The #1 FPL Manager of All-Time (Tom Dollimore) reveals his Team Selection and transfer plans with Gameweek 25 tips. This is how to Win FPL. Tom - https://x.com/FPLBarbossa Install my FREE FPL app:

This is my FPL Team for Gameweek 25 with FPL tips to help with your draft! This is your complete FPL GW25 guide to Fantasy Premier League 2025/26 tips for the season! Install my FREE FPL app:

This is everything we learned from FPL this gameweek, and my early Team Selection and transfers for Gameweek 25 of Fantasy Premier League 2025/26! 50% OFF FFSCOUT

These are the BEST players to get for FPL Gameweek 25! Transfer tips for the Goalkeepers, Defenders, Midfielders and Forwards. We also cover the best Fantasy Premier League 2025/26 captain. This includes the best wildcard team and free hit team players. Install my FREE FPL app:

The #1 FPL Manager of All-Time (Tom Dollimore) reveals his Team Selection and transfer plans with Gameweek 24 tips. This is how to Win FPL. Tom - https://x.com/FPLBarbossa Install my FREE FPL app:

This is the 620x Top 10K Team, for Gameweek 24, along with the best FPL captain and chip strategy! Don't miss this one packed with Fantasy Premier League 2025/26 FPL tips for Gameweek 24. Install my FREE FPL app:

This is my FPL Team for Gameweek 24 with FPL tips to help with your draft! This is your complete FPL GW24 guide to Fantasy Premier League 2025/26 tips for the season!

This is everything we learned from FPL this gameweek, and my early Team Selection and transfers for Gameweek 24 of Fantasy Premier League 2025/26! Install my FREE FPL app:

These are the BEST players to get for FPL Gameweek 24! Transfer tips for the Goalkeepers, Defenders, Midfielders and Forwards. We also cover the best Fantasy Premier League 2025/26 captain. This includes the best wildcard team and free hit team players.

This is the 620x Top 10K Team, for Gameweek 23, along with the best FPL captain and chip strategy! Don't miss this one packed with Fantasy Premier League 2025/26 FPL tips for Gameweek 23. 50% OFF FFSCOUT

This is my FPL Team for Gameweek 23 with FPL tips to help with your draft! This is your complete FPL GW23 guide to Fantasy Premier League 2025/26 tips for the season!

20% OFF FPL Champ: https://fplchamp.com (code: FPLFOCAL20 ) This is everything we learned from FPL this gameweek, and my early Team Selection and transfers for Gameweek 23 of Fantasy Premier League 2025/26! Install my FREE FPL app:

These are the BEST players to get for FPL Gameweek 23! Transfer tips for the Goalkeepers, Defenders, Midfielders and Forwards. We also cover the best Fantasy Premier League 2025/26 captain. This includes the best wildcard team and free hit team players.

This is my FPL Team for Gameweek 22 with FPL tips to help with your draft! This is your complete FPL GW22 guide to Fantasy Premier League 2025/26 tips for the season!

With 620x Top 10K finishes between them - this is the Experts Team for Gameweek 22, along with the best FPL captain and chip strategy! There are triple captains and free hits active this week. Don't miss this one packed with Fantasy Premier League 2025/26 FPL tips for Gameweek 22. 50% OFF FFSCOUT

These are the BEST players to get for FPL Gameweek 22! Transfer tips for the Goalkeepers, Defenders, Midfielders and Forwards. We also cover the best Fantasy Premier League 2025/26 captain. This includes the best wildcard team and free hit team players. Install my FREE FPL app:

This is everything we learned from FPL this gameweek, and my early Team Selection and transfers for Gameweek 22 of Fantasy Premier League 2025/26! Install my FREE FPL app:

AI-sanctions might get eyeballs, but the bigger sanctions are still for plain old bad lawyering. Jeff also raises this ethical and pragmatic question: who defends the lawyer when sanctions threaten the client? Should counsel facing an OSC retain separate counsel for the sanctions component to avoid divided attention and better protect client interests? What if the costs of independent counsel are likely to exceed the sanction?$25K for using Anti-SLAPP as a litigation weapon. A bare-bones anti-SLAPP was amplified by record emails suggesting the strategy was to inflict cost and pain rather than win on the merits.$13K for relitigating the merits through a fee appeal. The appeal purported to challenge fees, but largely recycled arguments already rejected in the prior appeal. The court finds the effort both objectively meritless and subjectively aimed at rehashing settled ground.

Send us a text

Aliett Buttelman spent eight years grinding in the dark before a single viral moment with Taylor Swift turned Fazit into an overnight seven-figure brand. In this interview, Aliett breaks down the exact pivot that saved the company, how she identified product-market fit after years of plateauing at $20K per month, and the organic social strategy that now generates over half a million views every day. From bootstrapping with $13K to navigating 100+ investor rejections and finally securing mass retail with Target, this is the blueprint for building a breakout CPG brand in one of the most competitive beauty markets. What you'll learn in this interview: • How a single Taylor Swift appearance drove seven-figure sales in 48 hours • How Aliett pivoted from slow-growth acne patches to viral makeup patches • The social content framework that produces daily 500K+ view videos • Why aspirational products can outperform problem-solving products • How to bootstrap a CPG brand with limited capital and no agency support • The exact moment Fazit discovered true product-market fit • Why Fazit chose Amazon as a primary channel (and how it paid off) • The dangers of taking bad retail deals and why most founders miss this • Lessons from 100+ VC rejections and how to know when not to raise • The behind-the-scenes strategy that secured a 1,000-store Target rollout By the end of this episode, you'll understand how to build a lean, viral-ready brand, validate demand fast, and prepare for the “overnight” moment that can change everything — even if it takes years of grit and persistence to get there. SAVE 50% ON OMNISEND FOR 3 MONTHS Get 50% off your first 3 months of email and SMS marketing with Omnisend with the code FOUNDR50. Just head to ⁠⁠https://your.omnisend.com/foundr⁠⁠ to get started. HOW WE CAN HELP YOU SCALE YOUR BUSINESS FASTER Learn directly from 7, 8 & 9-figure founders inside Foundr+ Start your $1 trial → ⁠⁠https://www.foundr.com/startdollartrial⁠⁠ PREFER A CUSTOM ROADMAP AND 1-ON-1 COACHING? → Starting from scratch? Apply here → ⁠⁠https://foundr.com/pages/coaching-start-application⁠⁠ → Already have a store? Apply here → ⁠⁠https://foundr.com/pages/coaching-growth-application⁠⁠ CONNECT WITH NATHAN CHAN Instagram → ⁠⁠https://www.instagram.com/nathanchan⁠⁠ LinkedIn → ⁠⁠https://www.linkedin.com/in/nathanhchan/⁠⁠ CONNECT WITH ALIETT BUTTELMAN Instagram → https://www.instagram.com/fazitbeauty/?hl=en LinkedIn → https://www.linkedin.com/in/aliett-buttelman-9a662312b/ Fazit Website → https://fazitbeauty.com/ FOLLOW FOUNDR FOR MORE BUSINESS GROWTH STRATEGIES YouTube → ⁠⁠https://bit.ly/2uyvzdt⁠⁠ Website → ⁠⁠https://www.foundr.com⁠⁠ Instagram → ⁠⁠https://www.instagram.com/foundr/⁠⁠ Facebook → ⁠⁠https://www.facebook.com/foundr⁠⁠ Twitter → ⁠⁠https://www.twitter.com/foundr⁠⁠ LinkedIn → ⁠⁠https://www.linkedin.com/company/foundr/⁠⁠ Podcast → ⁠⁠https://www.foundr.com/podcast

You feel busy all the time. You're watching blogging tutorials before work, saving Instagram posts about content strategy during lunch, taking notes on email marketing courses after dinner. You're exhausted from all the effort. So why does your blog look exactly the same as it did a year ago? Why is your email list still stuck? Why haven't you launched that digital product yet?This episode reveals the formula that took me from 847 saved screenshots and zero dollars to consistent $13K months as a full-time blogger. It's not complicated. It's not some elaborate system that requires a hundred-dollar course to understand. But it will challenge everything you've been taught about how blog growth and online business success actually work.I'm breaking down the exact ratio of where your energy should go, and I'm willing to bet you have it almost perfectly inverted. Most bloggers spend 70% of their time learning about SEO, Pinterest strategy, affiliate marketing, and list building, 20% planning their content calendar, and maybe 10% actually creating blog posts, writing emails, or building offers. I'm going to show you why flipping that ratio changed everything for me, and how you can flip yours too.Fair warning: I'm going to ask you to audit your own time. And what you discover might be uncomfortable.In this episode:The 50/20/15/10/5 Formula that transformed my blogging businessWhy the smartest women often have the most inverted ratiosThe truth about consistency and persistence that nobody talks about (because it doesn't sell courses)What happened when I tracked my time with brutal honestyHow I went from endless consumption to $13K months monetizing my blog in six monthsWhy you probably already know enough about blog traffic, email marketing, and passive income to succeed right nowReady to flip your ratio with someone in your corner?Blog Execution Manager Plus gives you done-for-you blog assets, email sequences, lead magnets, sales pages, and a complete content roadmap so you can finally focus on execution instead of endless learning.Learn more: www.bossladybloggers.com/blog-execution-manager

SUMMARY: Guest: Lara Silverman — comedic actress, jazz singer, violinist, author, Stanford Law grad; formerly a federal prosecutor. -Faith roots: Grew up in a large Romanian Christian family (with Syrian Christian heritage); accepted Christ at 7; faith deepened after her aunt's death from cancer. -Calling to law: Loved advocacy and public speaking; passed the bar after intense study; landed her dream role as a federal prosecutor in San Francisco. -Health crisis: Fell acutely ill in week two on the job with a rare, under-researched neurological vertigo disorder; tried ~30–150 therapies and ~38 medications (often worsened symptoms); bedridden for three years on a bedpan; ultimately resigned her post. -Ongoing illness: Continues to experience constant spinning sensations; multiple tentative diagnoses, no definitive cure; learned to walk again despite worsening symptoms when upright. -Spiritual wrestle: Initial confusion turned to seasons of bitterness and anger (more than depression); felt misunderstood by some believers when she sensed God calling her to accept ongoing suffering. -Acceptance and surrender: Believes God spoke that she would not be fully healed on this side of eternity; fasting exposed idols of health, marriage, and career; moved toward surrender and trust. -Meeting Matt: Church acquaintance (youth leader) who reached out during her bedridden years; he had suffered childhood cancer and was later diagnosed with terminal cancer; they formed a deep bond through shared suffering. -Marriage and loss: Married despite her illness and his terminal diagnosis; experienced “joy in grief” through ministry and creativity; Matt died a year later; Lara testifies to God's peace and preparation through the loss. -Joy amid grief: Practiced finding “sprinkles of joy” (comedy clips, music, niece's smile, devotionals); launched The Silverman Show (YouTube: comedy, music, theology); organized jazz fundraisers, including $13K raised for Haiti. -Theology of suffering: *Critiques “prosperity gospel light” in American church; calls for preparing believers to suffer well. *Emphasizes biblical themes: joy in suffering; God's intentional purposes; eternal rewards (e.g., “crown of life”); 2 Corinthians 4:17's “eternal weight of glory.” *Points to Isaiah 61 (double portion/redemption), 1 Peter 1:7 (tested faith), Job-like redemption ultimately fulfilled in eternity. *Cites Helen Roseveare's testimony about trusting God in suffering. -Identity transformation: Early identity tied to achievement and “gold stars”; illness stripped these; learned identity in Christ, not performance; challenged by Matt's loving rebukes about pride and usefulness. -Honest struggles: Jealousy when others receive “basic blessings” (marriage, children, health); wrestled with God's statement “I know what's best for you”; learning to believe God's wisdom without having micro-level reasons. -Church's role: Encourage sound theology of suffering, eternal perspective, and the call to “joy in grief”; avoid equating God's love solely with earthly blessings. -Memoir: Wrote her memoir from bed over eight months, capturing God's “receipts” (journaled answers, provisions, and lessons); aims to comfort sufferers with biblical reasons for suffering and stories of God's nearness. -Hope redefined: Realistic hope is anchored in eternity (John 11:25); freedom from fear of death empowers purposeful living now. -Key scriptures referenced: 2 Corinthians 4:17 (eternal glory) 1 Peter 1:7 (tested genuineness of faith) Isaiah 61 (redemption, double portion) Isaiah 43:19–20 (streams in the wilderness) Romans 8:29 (conformed to Christ) John 11:25 (life beyond death) -Core takeaway: God provides “streams in the desert.” Open your heart to receive and choose joy in the midst of grief; joy and sorrow can coexist, and God will redeem suffering—fully in eternity, and often with foretastes now.   PODCAST INTRO: What happens when the life you planned—brilliant career, healthy body, tidy faith, marriage and children—collides with relentless suffering? For comedian, jazz singer, author, violinist, and Stanford-trained attorney Lara Silverman, that colission became a calling. Lara spent years pursuing her dream of becoming a federal prosecutor—years of academic discipline, devoted goal setting, and passionate pursuit. After graduating from Stanford, she enters the grueling vetting and elimination process of 1000 hopeful lawyers with the goal of making it to the top 3. When she learns that she made it in the top 3 her dream becomes a reality…she is standing at the pinnacle of a major goal in her life. She was accepted as a federal prosecutor and begin the task of fully stepping into that role. Until in her second week on the job, she fell violently ill with what would later be discovered as a rare, unresolved neurological condition that keeps her in a constant state of the world spinning around her. She endures that condition to this day…8 years now, 3 of which left her bedridden, on a bedpan, being cared for and nursed by her parents. Thirty-eight medications failed. Careers, plans, family timelines—all stripped away. In her personal dark valley of multi layered deaths, her testimony is that not only does God meet her there, He has never left her. True to being a trained lawyer, in her effort to make sense of her spinning, crumbling world she uses the Word/Bible to question God's goodness and His fairness demanding that He explain Himself. She's met with firm, steady, unwavering love that consistently engages her pain inviting her from striving to surrender. Through Lara's fasting, God exposed hidden idols—health, marriage, career—not to shame her, but to set her free. Because I think we all know that if we build our lives on things that will fade, change, transition, not to mention the fact that we have no guarantees on anything we risk losing ourselves into despair and ruin. Then came an unlikely gift. As Lara lay in bed, a church acquaintance—Matt Silverman, a brilliant, joy-filled believer battling terminal cancer—began calling to pray and wrestle through theology with her. Friendship became love. They married, held jazz benefit concerts for Haiti, launched a small YouTube channel, and practiced “joy in grief” as a spiritual discipline. Exactly one year later, Matt went home to Jesus. Lara's testimony is not tidy. She speaks frankly about anger, bitterness, jealousy, and the ache of unanswered prayers. Yet she clings to promises many avoid: that suffering refines faith (1 Peter 1), forges intimacy with Christ, prepares us for eternity (2 Corinthians 4), and—even here—can be met with streams in the desert (Isaiah 43). She believes God will redeem every loss, whether in the here and now or in eternity—and that the doctrine of reward, often neglected, gives sturdy hope when the nights are long. Her invitation is simple but not without surrender and therefor difficult: Look for “sprinkles of joy” each day. Refuse to waste your pain—serve others through it. Live now with eternity in view. If you're not afraid to die, you can truly live. Sorrowful, yet always rejoicing. That's Lara's way through the wilderness—and a lifeline for anyone walking it today. In her memoir, Singing Through the Fire, she chronicles all of that's happened, how God shows up, the challenges she's put before Him and vice versa. What does it look like to struggle with God ? Lara provides examples, proof that He doesn't leave even when our faith is weak and ungodly. He holds us up when our faith falters and He sustains us through the most devastating emotional, mental, physical, battles. Let's listen in and find a reason to hope again, to find joy and to be comforted in what can feel like the wilderness. Live Loved and Thrive! Sherrie Pilk   CONNECT WITH LARA: Main Hub: https://linktr.ee/Larap3 Amazon link for her book: https://a.co/d/ayQyB52 Facebook page: https://www.facebook.com/lara.palanjian.silverman Instagram handle: @larapalanjian Youtube: https://youtu.be/TDcUeQrbVZk Watch the deeply moving BOOK trailer here:  https://youtu.be/TDcUeQrbVZk Watch the second BOOK trailer here: https://youtube.com/shorts/bO34s0tLYyY?si=uTMALdhOPB6TOCnt RESOURCES PER LARA: Helen Roseveare's testimony: https://youtu.be/VJCCx-qiZ24?si=ANuKzA-A-F6kwEkt Podcast: Keep an eye/ear out for her new podcast: Singing Through Fire w/Lara Silverman BIO: Lara Silverman is a Christian author, lawyer, jazz singer, comedic actress, violinist, and songwriter. She holds a J.D. from Stanford Law School and a B.A. in both Economics and Political Science from UC Berkeley. Before falling seriously ill in 2018, Lara worked for two federal judges and practiced high stakes litigation for three years at Arnold & Porter Kaye Scholer LLP, where she specialized in intellectual property, antitrust, and contract cases of all kinds.   In 2023, Lara co-founded The Silverman Show—a multifaceted comedy, music, and theology show—and released her debut jazz/pop album as her own music producer in February 2024. In September 2024, she debuted as Mrs. Serious in her solo Armenian comedy show online, amassing upwards of 300,000 views on individual videos on Instagram. Lara's writing has been featured in various respected Christian blogs, where her reflections on faith, suffering, and grace have encouraged readers across diverse audiences. Even as she remains mostly bedridden today, she anchors her unwavering hope in God.    

Jamie (45) and Ryan (36) have been married for nearly a decade and share three kids, but their financial foundation was shaken when Ryan quit his high-paying finance job and cashed out his 401(k) without telling Jamie. Now earning far less, they're still spending like nothing changed, running up credit card debt and ending each month wondering where the money went. Jamie, the higher earner, is anxious about retirement and trust after years of financial surprises, while Ryan avoids money conversations and struggles with insecurity. Layered on top are a 10-year age gap, deep past trauma, and very different visions of a Rich Life. Can Ramit help them rebuild trust, create a real plan, and finally start acting like partners instead of adversaries? In this episode we uncover: • The moment Jamie learned Ryan quit his high-paying job and cashed out his 401(k) • How Ryan's breaking point at work led to a “nuclear option” decision that shifted stress from the office straight into their marriage Why earning nearly $300K still leaves them feeling broke • The trust fallout from repeated unilateral decisions, including quitting jobs, cashing out retirement accounts, and impulsive purchases • How Ryan's spending on shoes, clothes, and even a classic car mirrors patterns he watched growing up • Jamie's role as the default financial manager • The vacation-vs-things blame cycle that keeps them stuck spending instead of saving • Why hiding money in a separate savings account felt like the only way Jamie could protect their future • The uncomfortable truth behind their $13K emergency fund • How calling their own spending “stupid” and “dumb” keeps them trapped in shame instead of change • The emotional toll of living in constant financial vigilance while still spending freely on convenience and comfort • How a failed $500 spending rule exposed their lack of shared systems • The powerful influence of Midwestern money guilt, family secrecy, and conflicting childhood money messages • Jamie's past divorce and financial trauma • The shift from adversaries to collaborators Chapters: (00:00:00) “We'll just go our separate ways” (00:18:56) Ramit breaks down their numbers (00:40:49) “Smart people can make stupid choices” (00:52:26) “Can we become a team again?” (01:02:09) “Is this a Rich Life—or just a really long to-do list?” (01:14:36) “You've turned dysfunction into permission” (01:28:57) “I'm bitter that I have to pay it off” (01:39:21) Where are they now? Jamie and Ryan's follow-ups This episode is brought to you by: Gelt | Book a tax consultation with Gelt at https://joingelt.com/ramit. As a member of my community, you can skip the waitlist Trust & Will | Protect what matters most in minutes at https://trustandwill.com/ramit and get 10% off plus free shipping. Aura Frames | Use promo code RAMIT to get $35 off the best-selling Carver Mat frames at https://auraframes.com DeleteMe | If you want to get your personal information removed from the web, go to https://joindeleteme.com/ramit for 20% off Rocket Money | Cancel unwanted subscriptions and reach your financial goals faster at https://rocketmoney.com/ramit Links mentioned in this episode • If you want help with your finances, join my Money Coaching program at https://iwt.com/moneycoaching Connect with Ramit • Get my new book, Money For Couples • Get Money Coaching with Ramit • Download the Conscious Spending Plan • Listen to my book—now on Audible • Get my New York Times best-selling book • Get my no-numbers journal • Other episodes • Instagram • Twitter • YouTube If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here.

Which drug plan is #1 for you?  Open enrollment time.  Biden Inflation Reduction Act spent too much money on Green Energy and Climate change funding.  Drug plans cutting commision to $0.  Client stories: Customer save over 13K/yr.  Rise in cancer possibly due to obesity.

Join host Keola Keala as he sits down with Macarena Garcia—CDC epidemiologist, professor, single mom, and powerhouse real estate investor known as the “PadSplit Queen”—who scaled from one traditional rental to 10 high-cash-flow co-living properties in just 18 months while generating over $45K/month in revenue. Macarena shares how she discovered co-living by accident, leveraged SubTo creative finance to secure deals like an 8-bedroom lakefront PadSplit with only a $13K entry fee, and built systems that allow her to thrive while working a full-time career. She dives into the importance of community, taking action, failing forward, and empowering women to build wealth through purpose-driven affordable housing, offering a blueprint anyone can follow to begin their own creative real estate journey.

Morse code transcription: vvv vvv Liverpool poverty champion ran secret hate mail campaign Syria without Assad is lighter but now there are new problems Newspaper headlines Heathrow pepper spray attack and Harry gun cop U turn Im A Celebrity 2025 winner crowned after series final Trump says 72bn Netflix Warner Bros deal could be a problem Banana containers clear up operation under way on Sussex beaches Royal Navy unveils new Atlantic strategy to counter Russian threat Cardiff man loses 13K in truly terrible car clone fraud Son Heung min Woman who blackmailed Tottenham star gets four years jail Cold, super flu and Covid symptoms Expert advice and how to avoid the worst

Morse code transcription: vvv vvv Royal Navy unveils new Atlantic strategy to counter Russian threat Syria without Assad is lighter but now there are new problems Banana containers clear up operation under way on Sussex beaches Trump says 72bn Netflix Warner Bros deal could be a problem Son Heung min Woman who blackmailed Tottenham star gets four years jail Cardiff man loses 13K in truly terrible car clone fraud Newspaper headlines Heathrow pepper spray attack and Harry gun cop U turn Liverpool poverty champion ran secret hate mail campaign Im A Celebrity 2025 winner crowned after series final Cold, super flu and Covid symptoms Expert advice and how to avoid the worst

Morse code transcription: vvv vvv Newspaper headlines Heathrow pepper spray attack and Harry gun cop U turn Cardiff man loses 13K in truly terrible car clone fraud Liverpool poverty champion ran secret hate mail campaign Royal Navy unveils new Atlantic strategy to counter Russian threat Son Heung min Woman who blackmailed Tottenham star gets four years jail Trump says 72bn Netflix Warner Bros deal could be a problem Cold, super flu and Covid symptoms Expert advice and how to avoid the worst Im A Celebrity 2025 winner crowned after series final Syria without Assad is lighter but now there are new problems Banana containers clear up operation under way on Sussex beaches

Morse code transcription: vvv vvv Cardiff man loses 13K in truly terrible car clone fraud Cold, super flu and Covid symptoms Expert advice and how to avoid the worst Son Heung min Woman who blackmailed Tottenham star gets four years jail Royal Navy unveils new Atlantic strategy to counter Russian threat Newspaper headlines Heathrow pepper spray attack and Harry gun cop U turn Im A Celebrity 2025 winner crowned after series final Banana containers clear up operation under way on Sussex beaches Liverpool poverty champion ran secret hate mail campaign Syria without Assad is lighter but now there are new problems Trump says 72bn Netflix Warner Bros deal could be a problem

Linktree: ⁠https://linktr.ee/Analytic⁠Join The Normandy For Additional Bonus Audio And Visual Content For All Things Nme+! Join Here: ⁠https://ow.ly/msoH50WCu0K⁠Dive into Segment of Notorious Mass Effect with Analytic Dreamz for the complete ultra-compact breakdown of Hazbin Hotel Season 2—soundtrack, story, critical reception, sales, and Season 3 setup.Analytic Dreamz unpacks the explosive 20-track soundtrack (Nov 19, 2025, Atlantic/A24) by Sam Haft & Andrew Underberg: pop-jazz-rock anthems featuring Erika Henningsen, Christian Borle, Alex Brightman, Jessica Vosk, Jeremy Jordan, Darren Criss, and more. Fan faves like "Gravity" (Vosk/Brightman vocal powerhouse), "VOX POPULI" (Jordan/Borle media satire), and "Losin' Streak" (Blake Roman bop) drive 125M+ global streams in 2 weeks (70% Spotify/Apple), outpacing S1 by 30%. Debut #70 Billboard 200 (13K units), Week 2 #8 Top 10 breakthrough; 35K+ TikTok/IG creates fuel 15% weekly growth; physicals (5 vinyls, CD, cassette) sold out via merch bundles.Story arc (Oct 29–Nov 19, 8 eps on Prime Video): Charlie rebuilds post-Extermination, battles Vox's Heaven-infiltrating weapon & Vees' smear campaign. Alastor breaks Vox deal; Angel Dust's hypnosis betrayal leads to Husk uncertainty & Vees return; Heaven/Hell unite vs. explosion. Emotional peaks: Lilith's call to Charlie. Critics rave (ScreenRant: "outdoes S1 emotional resonance"; Radio Times: "fluid soundtrack"; Album of the Year 78/100; ComicBook.com: Heaven/Hell insights)—despite minor rushed fusions.S3 tease: Haft's "different vibe" with fan duets (Alastor/Charlie, Lucifer/Lute), non-singers debut, Lilith focus, Morningstar arcs; music done, 2026 window. Full tracklist, stats verified—Hazbin's raunchier, deeper musical Hellaverse evolution. Notorious Mass Effect, powered by Analytic Dreamz.Support this podcast at — https://redcircle.com/analytic-dreamz-notorious-mass-effect/donationsPrivacy & Opt-Out: https://redcircle.com/privacy

Skippy & Doogles break down how the NFL became America's most valuable ad agency — and why college tuition at one law school just dropped $13K overnight. We kick things off with a mystery quiz on sports league revenues, then dig into a Goldman Sachs report showing the full $260 trillion global portfolio. Jim Simons drops in (kinda) with a legendary gold trade, and we wrap with what the student loan cap just exposed about higher education pricing.Join the premium Skippy and Doogles fan club. You can also get more details about the show at skippydoogles.com, show notes on our Substack, and send comments or questions to skippydoogles@gmail.com.

In this episode of Grow a Small Business, host Troy Trewin interviews James France of Vanguard Luxury Brands, who grew his company from $13K in sales to $18.5M before exiting to Lion Nathan. James shares how focusing on “best brands for the best bars” and a strong USP fueled growth, opens up about setbacks like losing key brands and managing cash flow, and highlights lessons on scaling, leadership, and sustaining success in the competitive spirits industry. Why would you wait any longer to start living the lifestyle you signed up for? Balance your health, wealth, relationships and business growth. And focus your time and energy and make the most of this year. Let's get into it by clicking here. Troy delves into our guest's startup journey, their perception of success, industry reconsideration, and the pivotal stress point during business expansion. They discuss the joys of small business growth, vital entrepreneurial habits, and strategies for team building, encompassing wins, blunders, and invaluable advice. And a snapshot of the final five Grow A Small Business Questions: 1. What do you think is the hardest thing in growing a small business? According to James France, the hardest thing is feeding the cash flow furnace, as managing growth and funding operations is always a major challenge. 2. What's your favorite business book that has helped you the most? James France shared that his favorite book is “10 Truths for Raising a Healthy, Bouncy Business” by his former coach Roland Hanekroot, which offers practical stories, case studies, and clear next steps. 3. Are there any great podcasts or online learning resources you'd recommend to help grow a small business? According to James France, industry podcasts like James Atkinson's Drinks Adventures and Sam Bygrave's Boothby have been particularly valuable for learning, especially about the on-premise drinks industry. 4. What tool or resource would you recommend to grow a small business? James France shared that the most important tool or resource to grow a small business is having a good advisor or sounding board — whether it's a mentor, coach, or accountant—someone who can provide objective, pragmatic advice and not just handle the numbers. 5. What advice would you give yourself on day one of starting out in business? According to James France, the advice he would give himself on day one of starting out in business is that it will be much harder and more expensive than expected—like having children—so be prepared, keep your promises, and always treat people with respect. Book a 20-minute Growth Chat with Troy Trewin to see if you qualify for our upcoming course. Don't miss out on this opportunity to take your small business to new heights! Enjoyed the podcast? Please leave a review on iTunes or your preferred platform. Your feedback helps more small business owners discover our podcast and embark on their business growth journey. Quotable quotes from our special Grow A Small Business podcast guest: Treat everybody at every level with respect, just as you want to be treated yourself – James France A strong USP will guide every decision and set your business apart – James France Every role in a business is sales—every touchpoint is selling your company – James France

August's jobs report is brutal: just 22K jobs added, June revised to a 13K loss, and unemployment up to 4.3%. Even McDonald's CEO warns families are so strapped they're skipping breakfast. Hosted on Acast. See acast.com/privacy for more information.

Is your life headed in the right direction, or are you too focused on where you stand today? In this episode, Kevin and Alan share why your trajectory matters far more than your current position. From turning $13K years into $100K months to lessons about discipline, emotions, and the power of consistent choices, they reveal how small daily actions shape your long-term success. Whether you're building wealth, health, or stronger relationships, this episode will remind you that the future belongs to those who invest in it today. Tune in now and start creating the upward path your future deserves.Learn more about: