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Physicians earning $400K are living paycheck to paycheck—and an 18th-century psychology trap is why. Roughly 30% of doctors over 60 don't have $1M in net worth, even counting their home. Justin Harvey and Dr. Jimmy Turner unpack the behavioral-finance forces—the Diderot Effect, lifestyle creep, and leverage—that quietly erode physician wealth, and the simple framework that lets you spend guilt-free while still building real options.Resources: Disability Insurance: Every physician needs Disability Insurance from MMM Disability Insurance. Click here to get a Quote from Money Meets Medicine Disability Insurance Looking for a new CPA? Use the one that Dr. Jimmy Turner personally uses and recommends (Gelt). Click here to get a 10% discount code on services when working with Gelt. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.
Most entrepreneurs don't get it right the first time. In fact, the average founder fails around four times before they land something that really works. What matters isn't avoiding failure, it's what you do to bounce back.In this episode of The Opportunity Podcast, Greg sits down with entrepreneur and solopreneur mentor Moe Choice for an honest conversation about what it actually takes to rebuild after things fall apart. Moe has built 12 different businesses, lost everything more than once, gone through bankruptcy in Dubai, and had his plans completely disrupted during COVID. But instead of giving up, he doubled down on building a successful business designed around freedom. A big part of the conversation is about why skill alone isn't enough. Moe explains that many talented people stay stuck because they focus too much on improving their craft and not enough on learning how to position, market, and sell it. He also highlights how important focus is. Many solopreneurs jump between tactics, but Moe's breakthrough came when he committed to one channel, LinkedIn outreach, and stuck with it long enough to get genuinely good at it. That consistency became the foundation for rebuilding and eventually scaling his coaching business. If you're building a business, this episode is a reminder that resilience matters just as much as strategy, and that sustainable success usually comes from simplifying, not complicating. Topics Discussed in this episode: 02:38 - Moe's entrepreneurial journey and how he built a $250K business on LinkedIn 07:00 - Why Moe's business in Dubai went from $400K profit to bankruptcy 12:49 - The benefits of creating an American LLC 17:13 - Moe's only regret from his failed Dubai business 21:17 - How Moe built his LinkedIn business coaching company 32:51 - Good enough is better than perfection 37:52 - How Moe helps solopreneurs reach 15K 53:29 - The difference between successful entrepreneurs and those who fail Mentions: Empire Flippers Podcasts Empire Flippers Marketplace Create an Empire Flippers account Subscribe to our newsletter Moe's LinkedIn Moe's Website Sit back, grab a coffee, and learn how to succeed as a solopreneur!
Growth should feel like momentum. For most nonprofit leaders between $1M and $3M, it feels like barely surviving — because the organization was built for a prior stage and never structurally redesigned for the current one. Brooke Richie-Babbage calls this the Design Deficit: the measurable gap between an organization's structural capacity and what its next stage of growth actually requires. In this episode, Brooke walks through why this gap exists, why resourceful leaders unintentionally mask it, and what it takes to close it. She introduces the Stability Flywheel — three architectural pillars (Capital Engine, Capacity Matrix, Clarity Compass) that must work together for an organization to sustain growth. Listeners will learn how to diagnose which pillar is stalling their flywheel, what institution-building actually requires, and how to shift from holding the organization together personally to designing one that holds itself.What You'll Learn:The Design Deficit and why it's predictable, not personal — why organizations built at $400K buckle at $1.5M and how to recognize the structural strain before it becomes a crisis.The three pillars of the Stability Flywheel — Capital Engine, Capacity Matrix, and Clarity Compass — and the specific signals that indicate which one is stalling your organization's growth.How to shift from operator to architect — the practical difference between holding an organization together and designing one that can hold itself, including the single reframe that changes every decision about hiring, systems, and CEO time.Key Takeaways:The Design Deficit is a predictable stage, not a leadership failure. When a nonprofit grows past its original structural design, leaders experience strain that feels personal — but the real cause is an architecture that was never updated for the current stage. This happens because the same resourcefulness that built the organization actively masks the infrastructure gaps beneath it.An organization that is growing is not the same as an organization built to sustain growth. Most nonprofits between $1M and $3M function because of the people in them, not the design beneath them. At this stage, nonprofit leaders must transition from operating inside the machine to redesigning it — the Operator-to-Architect shift.The Stability Flywheel stalls at the weakest pillar — and strengthening the other two won't fix it. Capital, Capacity, and Clarity reinforce each other when all three work. When one breaks, the others compensate — and the leader absorbs the difference personally. The most effective approach is to identify the weakest pillar and start there.Want to work together? Apply for the Next Level Nonprofit Mastermind, a high-touch coaching and training accelerator for established organizations with $1M+ budgets that are ready to design for impact sustained at scale. Budget under $1M? Join Elevate and get proven step-by-step playbooks + coaching support to build each of the core elements of your nonprofit's operating system - strategic clarity, a fundraising engine, a high-performance team, and an active and engaged board! Connect with me!LinkedInInstagramYouTube
Most entrepreneurs don't get it right the first time. In fact, the average founder fails around four times before they land something that really works. What matters isn't avoiding failure, it's what you do to bounce back.In this episode of The Opportunity Podcast, Greg sits down with entrepreneur and solopreneur mentor Moe Choice for an honest conversation about what it actually takes to rebuild after things fall apart. Moe has built 12 different businesses, lost everything more than once, gone through bankruptcy in Dubai, and had his plans completely disrupted during COVID. But instead of giving up, he doubled down on building a successful business designed around freedom. A big part of the conversation is about why skill alone isn't enough. Moe explains that many talented people stay stuck because they focus too much on improving their craft and not enough on learning how to position, market, and sell it. He also highlights how important focus is. Many solopreneurs jump between tactics, but Moe's breakthrough came when he committed to one channel, LinkedIn outreach, and stuck with it long enough to get genuinely good at it. That consistency became the foundation for rebuilding and eventually scaling his coaching business. If you're building a business, this episode is a reminder that resilience matters just as much as strategy, and that sustainable success usually comes from simplifying, not complicating. Topics Discussed in this episode: 02:38 - Moe's entrepreneurial journey and how he built a $250K business on LinkedIn 07:00 - Why Moe's business in Dubai went from $400K profit to bankruptcy 12:49 - The benefits of creating an American LLC 17:13 - Moe's only regret from his failed Dubai business 21:17 - How Moe built his LinkedIn business coaching company 32:51 - Good enough is better than perfection 37:52 - How Moe helps solopreneurs reach 15K 53:29 - The difference between successful entrepreneurs and those who fail Mentions: Empire Flippers Podcasts Empire Flippers Marketplace Create an Empire Flippers account Subscribe to our newsletter Moe's LinkedIn Moe's Website Sit back, grab a coffee, and learn how to succeed as a solopreneur!
We break down the math behind a $400K college decision, comparing Ivy League prestige, flagship state schools, trade school, and the emotional pull of “dream school” thinking. Along the way, we hit SpaceX IPO mania, wild price-to-sales ratios, US soccer propaganda, and NBA Finals drama.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.
The world's top citizenship by investment program is flexible for investors with an open real estate market. But where to invest? In this video, IMI covers where $400,000 in Turkey real estate pays off across Istanbul.Read the full analysis here.Access a suite of powerful tools and the world's #1 private investor community as an IMI Sovereign. Use code SOV10 for 10% off your first month.
You know that taxpayers in your area are getting IRS letters and losing sleep from wondering how bad their tax debt is going to get. But when they get online to search for help, can they find you? In this episode, Christian Jones and Noah Jenks look at what's actually working for tax resolution pros who are getting found online. Tax pros who are bringing in: 7 leads in less than a month at $86 per lead 33 leads over a year, with an average cost per conversion of $170 Leads with up to $400K owed and years of unfiled returns. You'll learn the digital marketing moves that are getting tax resolution firms more IRS debt cases. And how asking the right questions on your website can turn nervous visitors into qualified tax resolution leads. If you're looking to get more tax resolution leads, this episode shows you what's possible when your digital marketing is designed to capture them.
The NRL’s top whistle-blower has been exposed for harbouring a massive $400,000 secret that could threaten the game's integrity. Hear the explosive details on why head office kept this hidden from fans for years, and what it means for next week's State of Origin.See omnystudio.com/listener for privacy information.
In this episode, I sit back down with Cody Berman, entrepreneur, real estate investor, and author of the book Retire by 30. Cody first came on the podcast in 2018 at 22 years old. By 25, he had reached financial independence through scalable online businesses, strategic real estate, and intentional spending. He quit a corporate banking job after seven months, tried over 30 side hustles, and grew his income from $96K to over $400K in three years, all while keeping expenses under $24,000 annually. His new book lays out a menu of approaches for reaching financial freedom, not a one-size-fits-all formula, but a roadmap built around your own values, income, and life stage. In this episode, Cody shares: Why defining your values and aligning them with your spending is the foundation of a truly free life His four-bucket framework for thinking about side hustles and which type created the most wealth The exact income, savings, and investment numbers that got him to financial independence at 25 How he and his wife kept lifestyle creep in check while still traveling and enjoying life What's New in the Paperback Edition of Your Journey to Financial Freedom: A bonus chapter: When Life Happens: Staying on the Path to Financial Freedom Through Setbacks, Shifts, and Uncertainty A book club and discussion guide with prompts, exercises, and action steps Updated corrections from the original hardcover Exclusive bonuses when you purchase the paperback, including: The Fire Starter Course The Find Your FIRE Number Worksheet Other related blog posts/links mentioned in this episode: Check out Cody's book: Retire by 30 Read the The 4-Hour Workweek by Tim Ferriss Check out the FIRE Calc Get your paperback edition of Your Journey To Financial Freedom if you haven't already. Apply to Share Your Journeyer Story, here. Join the Journey to Launch Book Club to dive deeper into financial freedom with guided discussions and resources here! Join The Weekly Newsletter List to get updates, deals & more! Leave Your Journey To Financial Freedom a review! Get The Budget Bootcamp Check out my personal website here. Leave me a voicemail– Leave me a question on the Journey To Launch voicemail and have it answered on the podcast! YNAB – Start managing your money and budgeting so that you can reach your financial dreams. Sign up for a free 34 days trial of YNAB, my go-to budgeting app by using my referral link. What stage of the financial journey are you on? Are you working on financial stability or work flexibility? Find out with this free assessment and get a curated list of the 10 next best episodes for you to listen to depending on your stage. Check it out here! Connect with Cody: Website: Codydberman.com Instagram: @CodyDBerman Facebook: @CodyBermanPage Twitter: @CodyDBerman Connect with me: Instagram: @Journeytolaunch Twitter: @JourneyToLaunch Facebook: @Journey To Launch Join the Private Facebook Group Join the Waitlist for My FI Course Get The Free Jumpstart Guide
There are two ways to get your student loans forgiven — and the one nobody talks about could leave you with a six-figure tax bill. Most physicians know PSLF. Far fewer understand taxable forgiveness — the IDR path that hands you a massive tax bill 20 years down the road. Jimmy and Justin break down a real listener question (anesthesiologist + dentist, $400K in loans at 7%) to show why "married filing separately" math isn't as clean as it looks, and why your repayment plan now hinges on a looming July 2026 deadline. Resources mentioned: Looking for a CPA that does more than just file taxes each year? Check out Gelt, the proactive tax strategy partner that Jimmy personally uses, and receive 10% off the first year through the MMM link. Get $100 off a Student Loan Consult with Student Loan Planner: moneymeetsmedicine.com/loans Looking to refinance your private student loans? Click here to learn how to find the lowest interest rates out there. Every physician must get disability insurance before leaving training! Get a disability insurance quote from Money Meets Medicine Disability. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.
What if your best skin ever had nothing to do with Botox, fillers or even fancy skincare? This week we welcome Dr. Tia Paul, a Harvard- and MIT-trained, board-certified dermatologist—and major skin laser aficionado. As the founder of Balanced Skin Dermatology and Aesthetics in Newport Beach, California, Dr. Paul treats everything from acne, hyperpigmentation, eczema and psoriasis to skin cancer and she has earned over 400K followers on social media.Tune in to find out how to achieve glass skin the non-gimmicky way, as Dr. Paul reveals everything to know about the most effective at-home brightening solutions, how-to navigate the world of professional lasers, and the “pyramid” framework she designed for a brighter skin game plan that won't shock your skin or your credit card.In this episode, we discuss:Hydroquinone, tranexamic acid, azelaic acid, niacinamide — the new rules for skin brightening skincare in 2026Lasers 101 — the difference between ablative and non-ablative lasers, vascular lasers and why the term “laser” itself is one of the most misused words in the beauty industryWhat is laser “stacking” and why Dr. Paul says that combining technologies is where you get the best resultsWhat's all the fuss about Xerf? The new tightening device that's giving people snatched jawlines with zero downtime — Dr. Paul shares her experience.Myth or reality? The truth about lasers on skin of colour — and what to ask before your appointmentWhy the Fitzpatrick scale is outdated — according to Dr. Paul — and what she thinks should replace it to treat a full range of skin tonesDr. Paul's go-to's: The laser that she personally swears by for glass skin, and the favourite sunscreen the derm will be using to maintain clear skin results all summer longDisclaimer: Please note the discussion in this podcast is for general informational purposes only and does not constitute the practice of medicine, nursing or other professional health care services, including the giving of medical advice. The content of this podcast is not intended to be a substitute for professional medical advice, diagnosis, or treatment. Always seek the advice of your physician or qualified healthcare provider with any questions you may have regarding a medical condition.Get social with us and let us know what you think of the episode! Find us on Instagram, Tiktok,X, Threads. Join our private Facebook group. Or give us a call and leave us a voicemail at 1-844-227-0302. Sign up for our Substack here. Subscribe to our YouTube Channel to watch our episodes! For any products or links mentioned in this episode, check out our website: https://breakingbeautypodcast.com/episode-recaps/ Related episodes like this: K-Beauty Secrets: Dermatologist Dr. David Kim on Salmon DNA, Glass Skin & Anti-AgingStress and Your Skin: Decoded with Dr. Amy WechslerSkincare Terms to Know Before Your Next Dermatologist Visit with Dr. Samantha Ellis PROMO CODES: When you support our sponsors, you support the creation of Breaking Beauty Podcast! One SkinBorn from over a decade of longevity research, OneSkin's OS-01 Peptide™ is proven to target the visible signs of aging, helping you unlock your healthiest skin now and as you age. For a limited time, try OneSkin with 15% off using code BREAKINGBEAUTY at oneskin.co/BREAKINGBEAUTY. After you purchase, they'll ask you where you heard about them. PLEASE support our show and tell them we sent you. Qualia Life SciencesExperience the most trusted magnesium for purity, potency, and performance. Plus it's non-GMO, vegan and gluten-free making it a choice you can feel good about. Go to qualialife.com/BEAUTY for 50% off. And here's a bonus, use the code BEAUTY for an additional 15% off your order. Thanks to Qualia for sponsoring this episode! QuinceElevate your summer wardrobe. Go to Quince.com/breakingbeauty for free shipping on your order and 365-day returns. Now available in Canada, too. Dove Discover the new Dove Serum+ Oil Body Wash — available in “Radiance” with notes of jojoba and monoi flower and “Soothing” with almond oil and sandalwood — at www.dove.com/ca. Now available on Amazon and in stores nationwide.*Disclaimer: Unless otherwise stated, all products reviewed are gratis media samples submitted for editorial consideration.* Hosts: Carlene Higgins and Jill Dunn Theme song, used with permission: Cherry Bomb by Saya Produced by Dear Media Studio See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Jennifer Gaddis. Interview Summary Show: Money Making Conversations MasterclassHost: Rushion McDonaldGuest: Jennifer Gaddis – Senior Quality Assurance Engineer, Educator, Founder of Road to QA 1. Purpose of the Interview The primary purpose of the interview is to inspire and educate everyday people—especially those without college degrees or traditional tech backgrounds—on how to pivot into technology careers, specifically Quality Assurance (QA), and to reframe fear around AI, layoffs, and automation into opportunity. Jennifer’s story is used as proof of concept that: You do not need a college degree to succeed in tech Transferable skills already qualify many people for QA roles AI does not eliminate jobs—it creates new opportunities Strategic career pivots can result in life-changing income and freedom Rushion positions Jennifer not only as a success story, but as a new blueprint for wealth-building through skills, not credentials. [ 2. Interview Overview (High-Level Summary) Jennifer Gaddis shares how she: Pivoted into tech in 2021 with no degree Went from $40K to six figures within 90 days Built a $400K+ remote household income with her husband Created Road to QA, helping 200+ people land tech jobs Accidentally built a multi-million-dollar education business Used personal hardship, COVID, financial stress, and family responsibility as fuel—not limitations She explains what Quality Assurance engineering is, why it is resistant to AI replacement, and how regular users of apps are already doing parts of QA work without realizing it. 3. Key Takeaways A. You’re Already More Qualified Than You Think Jennifer emphasizes that everyday digital behavior translates into QA skills: Using apps Identifying bugs Expecting software to “work correctly” Navigating systems as an end user This insight forms the core of her teaching philosophy. B. The Faster You Add Skills, the Faster You Increase Income Jennifer repeatedly notes: “The difference in your paycheck is your skillset.” By stacking skills (manual QA → automation → AI testing), professionals increase their market value, not just job security. C. AI Is a Career Accelerator, Not a Threat Rather than fearing AI, Jennifer encourages people to: Work alongside AI Become the humans overseeing AI systems Move into hybrid QA + automation + AI roles She stresses that human oversight is still required in tech deployment. D. Entrepreneurship Can Be Accidental—but Scalable Jennifer did not initially plan to build a company. Her business emerged from: Instagram stories A $97 beginner e-book Real student outcomes Her willingness to: Raise prices Build systems Hire specialists Learn financial discipline Allowed Road to QA to grow sustainably. E. Representation and Access Matter Jennifer openly discusses: Being a Black woman in tech Coming from financial insecurity Navigating family obligations Redefining success for future generations Her story challenges stereotypes about who “belongs” in tech careers. [ 4. Notable Quotes from the Interview “I landed my first year in tech within 90 days.” [ “The difference in your paycheck is your skillset.” “You’re already a software tester—you just don’t know it yet.” [ “I didn’t set out to build a company. I said yes to myself.” [ “AI still needs human oversight.” “My journey was already different, so I had to build something different.” 5. Overall Message Jennifer Gaddis’s interview reinforces a central theme of Money Making Conversations: Income growth follows skill alignment, not traditional credentials. Her journey reframes: Fear → strategy Job loss → skill expansion Limited access → self-investment The interview serves as both motivation and roadmap for anyone seeking financial mobility through tech—without gatekeeping. #SHMS #BEST #STRAWSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.
Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Jennifer Gaddis. Interview Summary Show: Money Making Conversations MasterclassHost: Rushion McDonaldGuest: Jennifer Gaddis – Senior Quality Assurance Engineer, Educator, Founder of Road to QA 1. Purpose of the Interview The primary purpose of the interview is to inspire and educate everyday people—especially those without college degrees or traditional tech backgrounds—on how to pivot into technology careers, specifically Quality Assurance (QA), and to reframe fear around AI, layoffs, and automation into opportunity. Jennifer’s story is used as proof of concept that: You do not need a college degree to succeed in tech Transferable skills already qualify many people for QA roles AI does not eliminate jobs—it creates new opportunities Strategic career pivots can result in life-changing income and freedom Rushion positions Jennifer not only as a success story, but as a new blueprint for wealth-building through skills, not credentials. [ 2. Interview Overview (High-Level Summary) Jennifer Gaddis shares how she: Pivoted into tech in 2021 with no degree Went from $40K to six figures within 90 days Built a $400K+ remote household income with her husband Created Road to QA, helping 200+ people land tech jobs Accidentally built a multi-million-dollar education business Used personal hardship, COVID, financial stress, and family responsibility as fuel—not limitations She explains what Quality Assurance engineering is, why it is resistant to AI replacement, and how regular users of apps are already doing parts of QA work without realizing it. 3. Key Takeaways A. You’re Already More Qualified Than You Think Jennifer emphasizes that everyday digital behavior translates into QA skills: Using apps Identifying bugs Expecting software to “work correctly” Navigating systems as an end user This insight forms the core of her teaching philosophy. B. The Faster You Add Skills, the Faster You Increase Income Jennifer repeatedly notes: “The difference in your paycheck is your skillset.” By stacking skills (manual QA → automation → AI testing), professionals increase their market value, not just job security. C. AI Is a Career Accelerator, Not a Threat Rather than fearing AI, Jennifer encourages people to: Work alongside AI Become the humans overseeing AI systems Move into hybrid QA + automation + AI roles She stresses that human oversight is still required in tech deployment. D. Entrepreneurship Can Be Accidental—but Scalable Jennifer did not initially plan to build a company. Her business emerged from: Instagram stories A $97 beginner e-book Real student outcomes Her willingness to: Raise prices Build systems Hire specialists Learn financial discipline Allowed Road to QA to grow sustainably. E. Representation and Access Matter Jennifer openly discusses: Being a Black woman in tech Coming from financial insecurity Navigating family obligations Redefining success for future generations Her story challenges stereotypes about who “belongs” in tech careers. [ 4. Notable Quotes from the Interview “I landed my first year in tech within 90 days.” [ “The difference in your paycheck is your skillset.” “You’re already a software tester—you just don’t know it yet.” [ “I didn’t set out to build a company. I said yes to myself.” [ “AI still needs human oversight.” “My journey was already different, so I had to build something different.” 5. Overall Message Jennifer Gaddis’s interview reinforces a central theme of Money Making Conversations: Income growth follows skill alignment, not traditional credentials. Her journey reframes: Fear → strategy Job loss → skill expansion Limited access → self-investment The interview serves as both motivation and roadmap for anyone seeking financial mobility through tech—without gatekeeping. #SHMS #BEST #STRAWSee omnystudio.com/listener for privacy information.
In this solo episode, Axel tackles one of the most overlooked — and potentially damaging — mistakes new real estate investors make: seeking advice from the wrong people. Not wrong because they're unsuccessful, but wrong because they're in a completely different season of life, operating in a different market, or simply too many steps ahead to give advice that's actually actionable for where you are right now.This episode is essential listening for any investor at any stage of their career who wants to think more clearly about where to source advice, who to model their decisions after, and how to find mentors who are actually in a position to give contextually useful guidance.Join us as we dive into:Why seeking advice from someone 10 steps ahead of you is often more harmful than helpful — and why contextual relevance matters more than raw experienceThe three investor archetypes: the 25-year-old (aggressive risk, bridge debt, self-managing, hairy deals), the 40-year-old (moderate risk, stabilized debt, B-class assets, capital preservation), and the 55-year-old (winding down, passive income, protecting net worth)Why the 55-year-old's advice to "avoid risk, buy in great areas, don't partner" is not wrong — it's just wrong for a 25-year-old trying to scale fastHow Axel at 31 can already feel himself shifting from aggressive growth to capital preservation — and why that shift happens naturally as your season of life evolvesWhy market context matters just as much as experience level: an Ohio investor buying at $80K/door and a Boston investor buying at $300–$400K/door are playing fundamentally different gamesWhy lifestyle design matters when choosing who to learn from — and why Axel doesn't want advice from someone running a 5,000-unit operation with a 15-person team if that's not the business he wants to buildWhere Axel currently seeks advice: investors controlling 1,000 units, raising $10–$20M/year, transitioning from small-to-mid deals to 50–100+ unit acquisitionsAre you looking to invest in real estate, but don't want to deal with the hassle of finding great deals, signing on debt, and managing tenants? Aligned Real Estate Partners provides investment opportunities to passive investors looking for the returns, stability, and tax benefits multifamily real estate offers, but without the work - join our investor club to be notified of future investment opportunities.Connect with Axel:Follow him on InstagramConnect with him on LinkedinSubscribe to our YouTube channelLearn more about Aligned Real Estate Partners
Executive Summary This episode opens a multi-part series on one of the most emotionally loaded words in personal finance: retirement. Kim Butler and Spencer Shaw start at the foundation, examining what the word actually means, why Kim resists it, and what the math really says about the most common retirement savings targets. Kim establishes the core problem: expenses triple over 30 years, not because prices rise arbitrarily, but because the dollar is worth less. Inflation at 3% compounding over three decades transforms today's lifestyle into a figure three times larger. Add longevity into the equation and the challenge grows steeper. Life insurance companies are already pricing policies to age 121, and Kim projects that listeners in their 30s and 40s may reach 120, 130, even 140. The episode also covers the efficient debt framework, where Kim explains why a mortgage at 8% or below is a good loan and why cash outside the home is almost always more valuable than home equity. The episode tackles the 4% rule directly. Once accepted as a reliable withdrawal guideline, it has been quietly revised downward to 3.5%, 3%, and in some conversations 2.5%, while pundits on the other end are telling people they can safely take 5.5%. Todd Langford's analysis of a $2 million portfolio showed it running out in as few as 14 to 15 years, leaving a 65-year-old potentially without income at 80. Kim and Spencer also address the emotional and psychological dimensions of stopping work entirely, making the case that retirement is not just a financial risk. For many people, it may be a health risk too. Links & Resources Mentioned For resources and additional information of this episode go toEmpower Your Finances With Our Prosperity Podcast Empowering Parents, Nurturing Futures - Prosperity Parents Kim D. H. Butler Keywords retirement planning, 4% rule, retirement savings, financial freedom, longevity risk, inflation and retirement, dollar worth less, whole life insurance, prosperity economics, prosperity thinkers, retirement math, efficient debt, home equity vs cash, time value of money, retirement withdrawal rate, financial education, 4% withdrawal rule problems, cash flow in retirement, how much to retire, living longer retirement planning Episode Highlights [00:00:00 - 00:01:50] Kim defines retirement as "taken out of service" and explains why the word conflicts with human purpose. [00:01:50 - 00:02:55] Spencer frames what people are actually doing: moving to Mexico, selling the house, working until 90. [00:03:18 - 00:05:13] Kim details why expenses triple: inflation at 3%, compounding lifestyle costs, and the example of her father in his mid-80s. [00:05:13 - 00:06:17] Spencer pushes back: is it rising expenses, or a dollar worth less? Kim confirms it is the dollar. [00:06:17 - 00:07:17] Kim explains efficient debt: why a mortgage at 8% or below is a good loan and why home equity is not the same as cash. [00:07:17 - 00:09:17] Kim walks through a real client scenario: $400K liquid vs. paying off the mortgage, and why cash wins. [00:09:17 - 00:11:25] Spencer presents three retirement target tiers: $800K, $1.46M, $2.67M and asks Kim to weigh in. [00:10:20 - 00:12:00] Kim addresses the Dave Ramsey $2.5M endorsement and Todd Langford's math showing it running out in 14-15 years. [00:11:25 - 00:14:59] Kim explains the 4% withdrawal rule, its quiet downward revisions, and why linear math fails in a time-based system. [00:15:00 - 00:17:07] Kim and Spencer address the human cost: purpose, physical health, and the psychological and physiological identity tied to work.
Rafael is the Founder and CEO of Share It Studio, a leading creative agency that helps Amazon and Walmart sellers turn data into powerful visual storytelling. Under his leadership, Share It Studio has worked with hundreds of top-performing e-commerce brands, blending creativity with analytics to craft product images, videos, and A+ content that actually convert.Before founding Share It Studio, Rafael built a career in film and marketing, becoming a 3-time Telly Award–winning entrepreneur. He's passionate about helping brands optimize their listings, understand their buyers, and stand out in competitive marketplaces. Highlight Bullets> Here's a glimpse of what you would learn…. Ben Leonard's entrepreneurial journey with Beast Gear, from initial investment to seven-figure exit.Challenges faced after selling Beast Gear to Thrasio, including mismanagement and loss of brand identity.Importance of effective inventory management and the consequences of overleveraging.The significance of building a genuine consumer brand beyond basic Amazon tactics.The role of intellectual property protection and the impact of neglecting it.Insights on the operational difficulties during the COVID-19 pandemic and its effects on e-commerce.Strategies for diversifying sales channels and avoiding dependency on a single platform.The importance of quality in products and overall business operations.Marketing strategies for brand awareness, including the use of influencers and social media.Lessons learned from reacquiring and reviving a brand in a competitive market.In this episode of the Ecomm Breakthrough Podcast, host Josh Hadley speaks with Rafael Veloz, founder of ShareIt Studio, about optimizing Amazon product listings through visual storytelling. Rafael discusses the nuanced impact of AI-generated images, emphasizing that authenticity often outperforms polished visuals — demonstrated by a shoe cleaner brand scaling from $400K to $12M monthly. He advocates for a full-funnel marketing approach beyond PPC, continuous image testing, and integrating AI tools strategically. Rafaell also highlights the importance of emotional connection in content creation and recommends building strong internal creative teams to drive sustainable e-commerce growth.Here are the 3 action items that Josh identified from this episode:Prioritize authenticity over polish Test raw, real-looking visuals (UGC-style, iPhone shots)—they often convert better than high-end production. Systematize testing with data Validate images using tools and customer feedback before scaling; continuously test and iterate based on performance. Build a dedicated creative strategy team Don't rely on freelancers—invest in a creative lead and team to consistently produce, test, and optimize high-converting content.Timestamps:00:00:01 Authenticity vs. Professionalism in AdsOrganic, real-feeling content can perform twice as well as high-end professional videos, depending on the product's industry.00:00:50 Podcast and Guest IntroductionHost Josh Hadley introduces the topic of AI images on Amazon and welcomes guest Rafael Veloz from ShareIt Studio.00:02:27 Are AI Images Hurting Amazon Listings?AI images can hurt sales if used incorrectly, as they can lower the "perceived value" for emotionally-driven products.00:04:01 The Shoe Cleaner Case StudyA shoe cleaner brand grew from $400K to $1.2M a month by focusing on authentic, emotional content.00:06:26 How to Test and Update Main ImagesAnalyze competitor reviews for emotional triggers, create multiple main images, and test them both off and on Amazon regularly.00:12:01 Building a System for Creative ContentInstead of "hacks," build a system. Constantly track competitors' rankings, reviews, and image changes to stay ahead.00:14:33 Optimizing Creatives for PPC CampaignsCreate different ad creatives for different PPC campaigns and keywords to reduce wasted ad spend and improve conversions.00:16:55 Driving External Traffic to AmazonAmazon now rewards external traffic. Don't just focus on TikTok; create content that connects to specific buying intentions.00:19:34 Connecting Creative and Media Buying TeamsYour creative team and PPC (media buying) team must work together to create a cohesive and effective marketing strategy.00:22:28 Using AI to Build a CommunityCreate AI-generated personas and avatars on social media to build a community and drive traffic to your product listings.00:25:44 The Process for Creating Viral ContentA strategist analyzes the market, a script is developed, and a mix of organic and AI video is used.00:27:36 Final Advice: Embrace AIDon't fear AI. Hire team members dedicated to exploring and implementing new AI tools to stay competitive.00:28:40 Actionable Takeaway 1: Marketing Efficiency RatioStop focusing only on ACoS. Adopt the Marketing Efficiency Ratio (MER) to measure your total marketing spend against revenue.00:31:03 Actionable Takeaway 2: Systemize Image TestingCreate a consistent system for testing main images on Amazon, using real customer data to make decisions.00:31:45 Actionable Takeaway 3: Hire a Creative LeadInvest in a high-level creative team member to lead your marketing, as this is the most important aspect of your brand.00:33:56 Rafael's Favorite AI ToolRafael recommends Claude for its data gathering and Open-Claude's "Coworker" feature for automating executive assistant tasks.00:36:30 Connecting with RafaelFind Rafael at ShareIt Studio's website or email, and mention the podcast for a free 30-minute consultation.Resources mentioned in this episode:Josh Hadley on LinkedIneComm Breakthrough ConsultingeComm Breakthrough PodcastEmail Josh Hadley: Josh@eCommBreakthrough.comTools and Websites"Amazon Experiments": "00:08:54""Pixel": "00:08:54""Productpinion": "00:08:54""Fiverr": "00:08:06""Social Media Platforms (TikTok, In...
Three business owners walked onto the stage, not knowing what their real problem was. None of them left that way. In this live hot seat session, Adam works with a business owner who thought she had no time - and finds 124 days hiding in plain sight across her side businesses. An accountant who thought her landing page wasn't converting - and uncovers a pricing structure that could take her from £120K to £600K without a single extra hour of work. A consultant running two funnels at once - whose webinar was already working brilliantly, just with completely the wrong offer on the end of it. And two founders who had built a £400K business that runs entirely without them - but had no idea what to do next. Three different businesses. Three completely different problems. All diagnosed and solved live on stage in under 15 minutes each.
Unser Partner Scalable Capital ist der einzige Broker, den deine Familie zum Traden braucht. Bei Scalable Capital gibt's nämlich auch Kinderdepots. Alle weiteren Infos gibt's hier: scalable.capital/oaws. Tassen für Börsenbegeisterte? Gibt's hier. Hier geht's zum Alles Coin, Nichts Muss Podcast von Julius: https://alles-coin-nichts-muss.podigee.io/ SK Hynix knackt 1.000 Mrd. $. Samsung zahlt Mitarbeitern bis zu 400.000 $. AkzoNobel lehnt Übernahme ab. Schaeffler baut Satelliten-Schwungräder. Adidas erwartet WM-Effekt. Zscaler crasht. Temu-Mutter schwächelt. Salesforce & Snowflake haben Zahlen. Rechenzentren brauchen Strom, aber das Netz kommt nicht hinterher. 2G Energy (WKN: A0HL8N) liefert Container-Kraftwerke und hat den größten Auftrag der Firmengeschichte. Wärtsilä (WKN: 881050) verkauft Gigawatt-Kapazitäten. Innio plant IPO. Krypto-KI-Coins performen. Unibase, Venice und Near Protocol dominieren die 30-Tage-Rendite. Dazu: Harvard verkauft Bitcoin-ETF-Anteile, Mark Cuban ist von Bitcoin als Krisenwährung enttäuscht. Plus: Hyperliquid steigt weiter. Diesen Podcast vom 28.05.2026, 3:00 Uhr stellt dir die Podstars GmbH (Noah Leidinger) zur Verfügung. Learn more about your ad choices. Visit megaphone.fm/adchoices
Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Jennifer Gaddis. Interview Summary Show: Money Making Conversations MasterclassHost: Rushion McDonaldGuest: Jennifer Gaddis – Senior Quality Assurance Engineer, Educator, Founder of Road to QA 1. Purpose of the Interview The primary purpose of the interview is to inspire and educate everyday people—especially those without college degrees or traditional tech backgrounds—on how to pivot into technology careers, specifically Quality Assurance (QA), and to reframe fear around AI, layoffs, and automation into opportunity. Jennifer’s story is used as proof of concept that: You do not need a college degree to succeed in tech Transferable skills already qualify many people for QA roles AI does not eliminate jobs—it creates new opportunities Strategic career pivots can result in life-changing income and freedom Rushion positions Jennifer not only as a success story, but as a new blueprint for wealth-building through skills, not credentials. [ 2. Interview Overview (High-Level Summary) Jennifer Gaddis shares how she: Pivoted into tech in 2021 with no degree Went from $40K to six figures within 90 days Built a $400K+ remote household income with her husband Created Road to QA, helping 200+ people land tech jobs Accidentally built a multi-million-dollar education business Used personal hardship, COVID, financial stress, and family responsibility as fuel—not limitations She explains what Quality Assurance engineering is, why it is resistant to AI replacement, and how regular users of apps are already doing parts of QA work without realizing it. 3. Key Takeaways A. You’re Already More Qualified Than You Think Jennifer emphasizes that everyday digital behavior translates into QA skills: Using apps Identifying bugs Expecting software to “work correctly” Navigating systems as an end user This insight forms the core of her teaching philosophy. B. The Faster You Add Skills, the Faster You Increase Income Jennifer repeatedly notes: “The difference in your paycheck is your skillset.” By stacking skills (manual QA → automation → AI testing), professionals increase their market value, not just job security. C. AI Is a Career Accelerator, Not a Threat Rather than fearing AI, Jennifer encourages people to: Work alongside AI Become the humans overseeing AI systems Move into hybrid QA + automation + AI roles She stresses that human oversight is still required in tech deployment. D. Entrepreneurship Can Be Accidental—but Scalable Jennifer did not initially plan to build a company. Her business emerged from: Instagram stories A $97 beginner e-book Real student outcomes Her willingness to: Raise prices Build systems Hire specialists Learn financial discipline Allowed Road to QA to grow sustainably. E. Representation and Access Matter Jennifer openly discusses: Being a Black woman in tech Coming from financial insecurity Navigating family obligations Redefining success for future generations Her story challenges stereotypes about who “belongs” in tech careers. [ 4. Notable Quotes from the Interview “I landed my first year in tech within 90 days.” [ “The difference in your paycheck is your skillset.” “You’re already a software tester—you just don’t know it yet.” [ “I didn’t set out to build a company. I said yes to myself.” [ “AI still needs human oversight.” “My journey was already different, so I had to build something different.” 5. Overall Message Jennifer Gaddis’s interview reinforces a central theme of Money Making Conversations: Income growth follows skill alignment, not traditional credentials. Her journey reframes: Fear → strategy Job loss → skill expansion Limited access → self-investment The interview serves as both motivation and roadmap for anyone seeking financial mobility through tech—without gatekeeping. #SHMS #BEST #STRAWSteve Harvey Morning Show Online: http://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.
271: In this episode, I sat down with Jason Brown to unpack how stock trading (especially options) can actually mirror real estate investing more than you might think.(Show Notes: REtipster.com/271)We talked about how he lost six figures early on, rebuilt from scratch, and eventually made a $400K trade by spotting trends before they played out. What stood out to me is how similar his approach is to land investing: finding undervalued opportunities, understanding market behavior, and acting with calculated risk.If you've ever wondered how active stock trading works (without staring at charts all day), or how options can give you leverage similar to real estate deals, this conversation breaks it down in a really practical way.We also got into AI, market trends, and how to think like an investor—whether you're in stocks or real estate.
THIS is what $400K Gets You In Rochester Hills, Michigan?! If you're wondering what $400,000 gets you in Rochester Hills, Michigan, this video breaks it all down so you can understand what to realistically expect in today's market.Rochester Hills is one of the most desirable suburbs in Metro Detroit, known for its top-rated schools, safe neighborhoods, and proximity to places like Rochester, Troy, and Auburn Hills. But with demand staying strong, a $400K budget might not go as far as many buyers expect—and that's exactly what we're diving into here.In this video, I walk you through real examples of homes around the $400,000 price point in Rochester Hills, including:-Home size, condition, and layout-What's updated vs what needs work-Location differences within Rochester Hills-What buyers are actually getting for their money-The reality of today's housing market in Southeast Michigan
The former chief executive of the Scottish National Party, Peter Murrell, has been remanded in custody after admitting embezzling more than 400 thousand pounds from the party, over a period of 12 years. The estranged husband of the former First Minister, Nicola Sturgeon, will be sentenced next month. Also: The UK records its all-time hottest May temperature. The Pope warns about the potential risks posed by artificial intelligence. Man City bids farewell to Pep Guardiola. And: Scientists recognise tiny blue octopus from the Galapagos.
Every contractor knows that guy. The one who always seems to land the good jobs, find the right crews, and dodge the disasters. He's "just lucky" — except he's not.In this episode of Contractor Cuts, Clark and James break down a 10-year study on what actually separates lucky people from unlucky ones — and the 4 habits every "lucky" contractor has in common.They cover:The newspaper experiment that proves luck isn't random — it's focusHabit #1: Why the guy who hunts down crews at Home Depot always ends up with better laborThe networking moves contractors think are silly but quietly fill their pipelineHabit #2: How to tell the difference between trusting your gut and rationalizing lazinessHabit #3: Why expecting good fortune is the opposite of woo-woo manifestationHabit #4: How the unluckiest contractors keep repeating the same mistakes — and how to break the cycleThe real story of a $400K estimate they were happy to loseIf you've ever felt like the industry is working against you, this is the mindset shift that flips it.If you're doing $350K–$2M a year in revenue, coaching pays for itself. A 5% efficiency gain alone covers the cost — and that's before we even talk about growth. We help contractors stop losing money on crews, change orders, and inefficient operations — and start scaling. Ready to have the conversation? Set up a free call at contractorcuts.comContractor Cuts is a weekly podcast for contractors who want to build a better business — covering sales, operations, hiring, finances, and everything in between.
Colby McArthur bought Clifton Tree Service at 22 years old and ran it as a solo owner operator for the first year — climbing trees, answering calls with a headset at 100 feet, estimating on weekends. He finished that year at $400K. One year later: $850K. In this episode, Colby breaks down the three things that drove that growth and what he's focused on as he targets $1.3M in 2026.What you'll learn:Why undercharging is the most common and most costly mistake owner operators make — and how to fix it fastThe first hire Colby made that changed everything (hint: it wasn't a climber)How to build an opener/closer sales model even when you're still in the fieldHow Colby uses Claude and ChatGPT to build a pricing tool, estimate from photos, and build SOPsWhat Colby would tell himself at $100K if he could go backTo contact Colby McArthur: colby@cliftontreeservice.com
Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Jennifer Gaddis. Interview Summary Show: Money Making Conversations MasterclassHost: Rushion McDonaldGuest: Jennifer Gaddis – Senior Quality Assurance Engineer, Educator, Founder of Road to QA 1. Purpose of the Interview The primary purpose of the interview is to inspire and educate everyday people—especially those without college degrees or traditional tech backgrounds—on how to pivot into technology careers, specifically Quality Assurance (QA), and to reframe fear around AI, layoffs, and automation into opportunity. Jennifer’s story is used as proof of concept that: You do not need a college degree to succeed in tech Transferable skills already qualify many people for QA roles AI does not eliminate jobs—it creates new opportunities Strategic career pivots can result in life-changing income and freedom Rushion positions Jennifer not only as a success story, but as a new blueprint for wealth-building through skills, not credentials. [ 2. Interview Overview (High-Level Summary) Jennifer Gaddis shares how she: Pivoted into tech in 2021 with no degree Went from $40K to six figures within 90 days Built a $400K+ remote household income with her husband Created Road to QA, helping 200+ people land tech jobs Accidentally built a multi-million-dollar education business Used personal hardship, COVID, financial stress, and family responsibility as fuel—not limitations She explains what Quality Assurance engineering is, why it is resistant to AI replacement, and how regular users of apps are already doing parts of QA work without realizing it. 3. Key Takeaways A. You’re Already More Qualified Than You Think Jennifer emphasizes that everyday digital behavior translates into QA skills: Using apps Identifying bugs Expecting software to “work correctly” Navigating systems as an end user This insight forms the core of her teaching philosophy. B. The Faster You Add Skills, the Faster You Increase Income Jennifer repeatedly notes: “The difference in your paycheck is your skillset.” By stacking skills (manual QA → automation → AI testing), professionals increase their market value, not just job security. C. AI Is a Career Accelerator, Not a Threat Rather than fearing AI, Jennifer encourages people to: Work alongside AI Become the humans overseeing AI systems Move into hybrid QA + automation + AI roles She stresses that human oversight is still required in tech deployment. D. Entrepreneurship Can Be Accidental—but Scalable Jennifer did not initially plan to build a company. Her business emerged from: Instagram stories A $97 beginner e-book Real student outcomes Her willingness to: Raise prices Build systems Hire specialists Learn financial discipline Allowed Road to QA to grow sustainably. E. Representation and Access Matter Jennifer openly discusses: Being a Black woman in tech Coming from financial insecurity Navigating family obligations Redefining success for future generations Her story challenges stereotypes about who “belongs” in tech careers. [ 4. Notable Quotes from the Interview “I landed my first year in tech within 90 days.” [ “The difference in your paycheck is your skillset.” “You’re already a software tester—you just don’t know it yet.” [ “I didn’t set out to build a company. I said yes to myself.” [ “AI still needs human oversight.” “My journey was already different, so I had to build something different.” 5. Overall Message Jennifer Gaddis’s interview reinforces a central theme of Money Making Conversations: Income growth follows skill alignment, not traditional credentials. Her journey reframes: Fear → strategy Job loss → skill expansion Limited access → self-investment The interview serves as both motivation and roadmap for anyone seeking financial mobility through tech—without gatekeeping. #SHMS #BEST #STRAWSteve Harvey Morning Show Online: http://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.
On this episode of the Mile High Podcast, Dr. Nona Djavid joins the conversation for a powerful discussion on freedom-based practice, quantum leaps, abundance, identity, and creating a life that actually aligns with your vision. As the creator of the Part-Time Million Dollar Practice framework, Dr. Nona has helped hundreds of chiropractors expand their income, create more freedom, and reconnect with purpose inside their practice. Her message goes deeper than tactics. This episode explores the internal shifts that change everything.
You're looking online and seeing properties priced at $300K, $400K, $500K, or more. As a real estate investor, that won't cut it. What if you could get a deeper discount—we're talking $150K rental properties. Don't think it's possible? Henry has been getting deals just like this in 2026, buying them, making upgrades, and walking into serious equity with way less money in. How does he find them? Today, we're sharing the exact methods. This is how to find off-market properties priced well below your area's average, even in 2026, even with methods people have written off as dead. This is the quick guide to getting your first off-market real estate deal. Henry goes over how to spot the “situations” that lead to lower prices, the list he builds to target the best potential investment properties, the methods he uses to contact sellers (it's not just cold-calling), and the tool he recommends every beginner to use to choose their deal-finding method. Plus, if you don't have time to search for deals, we'll share an easier method to get them sent to you. In This Episode We Cover How to find investment properties for around $150K even in 2026 The off-market deal-finding methods beginners can use to get their first discounted property The two things Henry needs on his off-market list before he starts contacting sellers Got no time to look for deals? This method gets deals sent straight to your inbox How to use AI to speed up your deal-finding method and get in the game faster And So Much More! Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/real-estate-1280. Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com. Learn more about your ad choices. Visit megaphone.fm/adchoices
Dr. Brian Harris built five dental practices, filled his garage with a Lamborghini, a Ferrari, a GT3, and a G-Wagon, and still wasn't any happier than when he had one office. So he did what almost no one does: he sold the practices back to his associates, went back to one location, and doubled down on the craft he actually loves. In this episode, Peter, Craig, Ian, and Brian unpack the real story behind the highlight reel. Why ego drives expansion more than strategy. Why financial success doesn't automatically create fulfillment. Why younger dentists need to rev the RPMs before they chase lifestyle dentistry. And why the ability to walk away from something you built might be the most underrated skill in the profession. Brian also shares what he's learned from nearly a decade running his own mastermind, building Smile Virtual, and doing $400K a month in production as a solo cosmetic dentist. His core message to every dentist listening: connection before conversion. Stop trying to close people. Start organizing your practice and your life around what actually makes you excited to show up. DESCRIPTION The Bulletproof Dental Podcast Episode: 437 HOSTS: Dr. Peter Boulden, Dr. Craig Spodak, and Ian de Jongh Special Guest: Dr. Brian Harris In this episode, Peter Boulden, Craig Spodak, and Ian de Jongh sit down with Dr. Brian Harris, cosmetic dentist, founder of Smile Virtual, and headliner at the 2026 Bulletproof Summit in Scottsdale. Brian shares the unfiltered story of scaling to five practices, realizing he was making less money and carrying more stress, and making the unconventional decision to go back to one office and focus on what he loves. If you've ever wondered whether more locations, more revenue, or more stuff will actually make you happier, this episode is a brutally honest look at what happens when you get everything you thought you wanted and have to recalibrate. TAKEAWAYS - Building multiple locations without the right leadership layer can leave you earning less than you did with one - Ego and approval addiction are often the real drivers behind expansion decisions - The grind phase early in your career is necessary and shouldn't be skipped - Knowing when to take the cul-de-sac back out is just as important as perseverance - Material success (cars, money, status) does not reliably increase happiness - Organizing your practice around what excites you creates better outcomes than chasing what others say you should do - Connection before conversion is the key to case acceptance and long-term practice success - Social media content works best when it's about your patients, not about you - Repetition through tools like Smile Virtual builds consultation skills that translate to real-life case acceptance - Being out of balance isn't a failure if you recognize it and course correct CHAPTERS 00:00 Opening Banter and Introductions 01:09 What Should the World of Dentistry Be Like 02:53 What Would You Tell Your Younger Self 04:29 The Case Against Lifestyle Dentistry Too Early 06:08 The Dip, the Cul-de-Sac, and Knowing When to Walk Away 07:15 What Are You Most Proud Of 09:15 Going from One Office to Five and Back Again 11:25 The Counter Narrative to Build Build Build 13:51 It Was Ego 15:17 A Garage Full of Supercars and the Same Level of Happiness 17:12 The Trap of Chasing Financial Success 18:16 Finding What You Actually Love About Dentistry 21:10 The Value of Loving Your Craft 23:51 The Strivers Curse and Being Out of Balance 26:10 Acknowledging When You're Out of Balance 28:13 Approval Addiction and Learning to Say No 30:20 People Pleasing Beyond the Operatory 32:27 Building a Personal Brand That Serves Patients 35:07 Content Strategy and Making It About Others 37:06 The Elite Mastermind and Finding Your Tribe 41:56 The Danger of Wrong-Fit Groups and Outside Influencers 44:36 Authenticity Over Sales Tactics 46:09 How Smile Virtual Builds Real Consultation Skills 49:46 Brian's Message to Every Dentist Listening 53:18 The Spirit of Service and Why It Wins 55:27 Brian's Megaphone Moment 59:09 Closing and Summit Details REFERENCES - Bulletproof Summit 2026 - https://bulletproofsummit.com/ - Bulletproof Mastermind - https://bulletproofmastermind.com/ - Smile Virtual - https://smilevirtual.com/
Adriel Hsu went from BRRRR investing to building $2M luxury homes in Texas with 230 transactions under his belt. Here's how he evolved his strategy.In this episode of RealDealChat, Jack Hoss sits down with Adriel Hsu, an engineer turned real estate investor and developer out of Houston, Texas, who has completed over 230 transactions across flipping, wholesaling, novations, multifamily, self-storage, and now luxury new construction.Adriel breaks down exactly how he adapted to every market shift since 2016 and why he is now focused on building $2 million custom homes.Topics covered:Why he started with BRRRR, pivoted to flipping, and why tenants were never the moveHow he sourced off-market multifamily deals (14, 21, and 32 units) while syndicators were getting burned in TexasWhy he exited the $300-400K starter home market and moved up to luxury buildsHis economies of scale approach to new construction (building 3-5 homes on one job site)How thinking outside the box on a problem lot turned into $112K profitSelling shovel-ready, permitted lots as a low-effort exit strategyThe difference between finish quality at the $300K and $2M price pointHow he structures private lender deals: first position liens for short-term investors, equity splits for longer-term capitalHow he hired his first VA to handle cold calling and what that did for lead flowHis custom deal analyzer built in Excel that lets him make offers in minutesThis episode is built for investors who want to understand how to evolve their buy box as markets shift and how to move up the value chain without overexposing yourself to risk.
Send us Fan MailA woman on Threads wrote that she is being gifted a $400,000 rental property by her mother, but only in her name, with a legal agreement keeping it separate from any future marriage. Her boyfriend of three years is furious. He wanted to sell it and use the money toward a bigger place for them both. When she explained her mom's conditions, he packed a bag and moved in with a friend.In this episode, Jessica and Brandon break down why the mom's conditions are not just reasonable, they are smart. They also dig into what the boyfriend's reaction actually reveals about his character, why inheritance and asset protection are conversations every couple should be having, and what their own postnuptial agreement says about inherited wealth.Their verdict? Take the property. And seriously reconsider the relationship.Subscribe to The Sugar Daddy Podcast newsletterExplore The Sugar Daddy Podcast Stan Store — Downloadables, tools, and more to level up your money game together!Head over to our YouTube channel to catch this episode in full video form.Apply to be a guest on the show.You can also email us at: hello@thesugardaddypodcast.comConnect with us on Instagram We're most active over at @thesugardaddypodcastChat with BrandonWant to work together? Learn more about BrandonBook a free 30-min call to see if it's a fit.Show us some love, hit subscribe, leave a five star rating, and drop a quick review!Money, relationships, and the mindset to master both. Hosted by financial advisor Brandon and his wife Jessica, The Sugar Daddy Podcast breaks down how to build wealth, unpack old money beliefs, and have real conversations about love and finances. Their mission? To help couples and individuals grow rich in every sense of the word: emotionally, relationally and financially....
The Great Talent Redistribution: Where is Talent Actually Going in 2026 and beyond? Is the start-up compensation model broken? How about big Big Tech? How about non-tech small & medium businesses? What is happening to talent, going forward? This and many other topics in this episode of Tech Deciphered. Navigation: Intro The Broken Contract? The Great Unbundling The Three (?) Destinations Alternative Cap Tables, Alternative Compensation Models Investor Landscape Fragmentation Operator Playbook and Predictions Conclusion Our co-hosts: Bertrand Schmitt, Entrepreneur in Residence at Red River West, co-founder of App Annie / Data.ai, business angel, advisor to startups and VC funds, @bschmitt Nuno Goncalves Pedro, Investor, Managing Partner, Founder at Chamaeleon, @ngpedro Our show: Tech DECIPHERED brings you the Entrepreneur and Investor views on Big Tech, VC and Start-up news, opinion pieces and research. We decipher their meaning, and add inside knowledge and context. Being nerds, we also discuss the latest gadgets and pop culture news Subscribe To Our Podcast Nuno Goncalves Pedro Introduction Welcome to episode 77 of Tech Deciphered. This episode will focus on the great talent redistribution. Where’s talent actually going in 2026 and beyond? The Silicon Valley deal of the last 30 years, very low salary, stock options, you will either sell for a ton of money or IPO, and everyone gets rich, is seemingly broken. Or is it really? The dominant narrative says the tech middle class is dying. We disagree. There is obviously a lot of stuff going on whereby big tech is partially barbelling. There’s a superstar concentration on the top. There’s a bit of a seemingly allowing of the belly. We’ll come back to that. We don’t quite believe that is totally true. There’s a collapse at entry level. The belly is migrating into three, potentially even more, very different destinations: AI native startups, human-verified premium businesses, and the read the industrialized middle of the S&P 500 and SMB world. Each has its own cap table, each will have its own compensation model, and each will have its own investor profile. In some ways, this is the third episode in our Reset trilogy. We started with episode 75 on the SaaS-apocalypse. We talked about the great private capital reset in episode 76, and now we talk about talent redistributions. Bertrand, exciting times, not always positive times. Bertrand Schmitt Yeah, it’s exciting times because it’s a time of change. Of course, we have the doomsayers. If you listen to Dario Amodei of Anthropic, every white-collar job on Earth is going to disappear. I think I strongly disagree, and I suppose you too as well, we strongly disagree. It’s going to be more of a redistribution. If you look at the history of technology, this is what always happened. We forget how many jobs have disappeared over the past 150 years. We move from a time of 150 years ago. People were mostly in agriculture. Then you had a lot of weird jobs that disappeared from people transporting water to people bringing ice from the pools to people doing the job of computers. People forget that computer was a title given to human beings. We’re doing calculations. Then, of course, secretory jobs in the ’80s, ’90s, where suddenly anyone can type using a word processor, the rise of Excel, that sort of stuff. Many things have changed. Some jobs have indeed disappeared. Some jobs have totally transformed. Where you do these jobs have changed. I think we are at a similar stage where, thanks to AI, and I would say for now, or at least the rise of AI coding, there is a dramatic change happening. I don’t think it means that people will be without a job. It just means, from my perspective, that jobs are changing. You are not just doing a lowly coding level task that actually indeed could be replaced, but you are going to have more of builder type of mindset, a product manager type of mindset going forward. We also expect that the distribution of jobs, depending on the type of business, will be quite different. Nuno Goncalves Pedro The Broken Contract? Maybe let’s reset a little bit to the broken contract, or if it’s really a broken contract. There’s been this image in technology and tech that basically you get paid very little to work in tech. You get a bunch of stock options. The earlier you are in the company, the higher the level of stock option grants you get. Then you make a ton of money at some point because the company will either sell or IPO, and that’s heard of it. Obviously, there’s a lot of movements happening right now that are changing how these dynamics work. The first part is obviously AI, and in some ways, AI is shrinking companies. It’s not unheard of that companies with as little as four or five people reach 50 million in ARR. There’s companies with one person that have gotten bought for hundreds of millions of dollars or billion of dollars. Obviously, things are moving very, very fast, and therefore, there isn’t a large employee cap table. How would you share the upside? Would you actually give a couple of percentage points to an early employee rather than your 0.2-0.5% kind of thing for early employees? The second part is a little bit the other side of the table, which is the IPO market is seemingly in a drought. There’s not much happening in IPOs. Maybe 2026, at some point, there will be an unlock, but right now, it’s seemingly difficult to get your upside. Even if you’re an employee, you have to wait a long time. The median time of IPO has climbed over 10, 11 years, the longest in over a decade. Basically, not only you have to wait a long time as if there is an IPO drought, like we might be going through right now, when do I actually get my cash back? Unless the company gets bought, maybe there are secondary transactions along the way, maybe there’s something else. But obviously there’s a little bit of a reduction and lowering of the upside seemingly for this contract and for this place. The easy conclusion that I think many are taking is, because of all of this and all the layoffs that are happening, even in big tech, that serve the tech middle class is dying, that basically AI screwing the workers, et cetera, there’s also a lot of discussion that even it might be affecting the entry-level jobs as well. Everyone coming out of undergrad right now can’t get a job, et cetera. There’s this doomsday scenario that you’re alluding to that everything is changing. We have a slightly different perspective. We think there’s a realignment of market. In layoffs, there was a lot of layoffs that were warranted. Big tech, in particular, had actually hoarded a lot of engineering capacity over the last decade or so. There’s a little bit of a realignment that needed to happen in any case. When everyone’s saying, “Well, AI is compressing everything,” well, it’s compressing right now, but we don’t think actually it’s going to compress over time. You’ll still need engineering and science talent to come on board for you to be able to scale up. It’s not like AI is going to take care of everything and teams are going to be five people for companies that are worth a trillion dollars. That’s not happening. Today’s thesis, I think a little bit of this doomsday scenario needs to be seen with a more nuanced lens. I think that’s how we’re framing today’s episode, that there’s a bit of a nuance, there are some extremes happening. We’re going to talk about those extremes, but ultimately, it’s not quite as simple as saying that the tech middle class is disappearing in early jobs are going to be a thing of the past. Bertrand Schmitt At the same time, what you started with is true. I mean, that 50 million ARR company, just five people. At a bigger scale, that’s exactly the matrix for Anthropic. They have reached a stage where they are at a range of 12 million ARR per staff per employee. It’s metrics that are definitely never seen before. I don’t think any company raised to this level. Best in class, best run companies, one, two million per employees. I mean, that was your target if you can make it. We are definitely in a different game. But I think what matters at the end of the day, and that’s what we’re arguing, is that you have to see the big pictures. Yes, some positions might disappear inside some companies, but some other positions will be created in other companies. Usually, what people do is keep talking about the jobs who disappear and not looking at the bigger picture of jobs that are being created as well. What is true, and I think you alluded to that, is that the big tech the past 10, 15 years had some strategy of hoarding talent in a war where having the best talented people will make the difference in numbers, will make the difference between winning or losing. The Google of the world, the Microsoft of the world, the Amazon of the world, they were hoarding talent. They would try to make sure that they might not have such needs in talented number of people. But if they have the talent, it means their competitors didn’t have the talent. It means that the startup trying to reach scale couldn’t pay the giant salaries that the Google of the world were paying. There was definitely some hoarding. But it went so far in the 2020, 2021, that I think since then there has been a coming back to normal. There is also now in 2026, the recognition that it’s not true anymore. Yes, talent can be very valuable, but there is now a bigger and bigger gap between the extremely talented versus the rest that are merely talented because of AI. AI is able to replace at scale your software engineers, your software managers. I would say it’s quite new. I don’t think it was true a year ago. We’re really talking about a recent dramatic change in what can be achieved thanks to AI. We can see most of the big AI companies are moving to coding. It was started by Anthropic as a trend, OpenAI has followed through. Obviously, the Cursor of the world existed before, but they were not as successful. All the Chinese open-source models are moving very fast to coding optimization the past few weeks. It’s quite an incredible change. I think there is that dramatic change, recognition that coding can be done differently. As a result, we are going to see change in the distribution of jobs. I think it will start from the top because we see the news of the big Google, Microsoft, Amazon, and others who used to hold talented software developers to a change in realization that no, we actually need to invest in AI. We need to invest in compute because compute is going to do the job of most of these people. Therefore, we can’t pay for both at the same time, even us with all our money, we cannot. Wall Street is not going to let us do that. They start by removing a lot of position. I think we see that accelerating, quite frankly. We have only seen the beginning, but in the next 2 years, we see a dramatic shift. But I think my position, I guess yours, and you know as well, is that there will be a lot more opportunities created as well, probably by also entities. Nuno Goncalves Pedro The Great Unbundling Yeah, there will be more opportunities created. The hoarding is just taken also a little bit of a different view. To your point, there’s hoarding of resources, compute, et cetera. But there’s also hoarding of top talent. We are seeing people getting paid, packages all in that could run up to 100 million, in some cases even over 100 million over several years. This is unheard of. I mean, an officer of Meta would make, I don’t know, maybe 20, 25 million a year. It’s like now there are people that are on the top end of AI researchers that are getting paid around that amount just to join some of these companies. There’s a little bit of a different hoarding. It’s very selective hoarding of certain talent. We’ve seen some acqui-hires. We’ve talked about it in previous episodes that are just literally about getting one or two people specifically to come on board. Alexander Wang, again, going to Meta to lead their intelligence labs there. I feel, I don’t know what you feel, but I feel this is a transition moment where there is overpaying for certain talent on the top of the market. At some point, this will stabilize. You can’t keep paying people 100 million over 4 years or something like that across the board. To your point, a lot of this is actually going to scale up quickly also on the AI side. There’s a little bit of a different hoarding happening on the top end, not just the resources, but also of people, which seems to give further this notion of barbell, that there’s two extremes, the haves and have-nots, the super-duper talented people that get paid a ton of money, tens of millions of dollars a year at the very least. Then the emptying of the middle where there’s a ton of tech layoffs going on in some ways, the belly, as they would call it, is being expelled. The middle market, the managers are being fired because there’s nothing to manage. There’s a lot of positions going away. In some cases, you might keep some of the more junior talent, but with a little bit of experience. But even the talent coming out of colleges is not getting hired either. It’s a little bit of a weird thing where there’s hoarding at the top, there’s an emptying of the belly, the middle, and then the early, early, early is also not getting recruited. It’s like what gives? How is this going to look in the future? I agree fully with you, Bertrand, that there’s a migration of this talent, not only to other companies, but also to other jobs. There will be new jobs that will emerge out of this. The DevOps, dev tools market didn’t exist until maybe 20 years ago at scale, and it got created. In some ways, we’re seeing there will be new markets, there will be new roles and new jobs that will be created around engineering teams going forward. We can’t anticipate all of them. But basically, the emptying of the belly is true as it’s happening right now. The low hiring on the early and the top end, getting tons of money. We think this is a transition to something else. There’s the hoarding of engineering in general is coming to an end at momentum. Now it’s time to rightsize teams, to get the right at the table, et cetera, and start figuring out what works and what doesn’t work. We’ve already had some horror stories coming out even from Amazon where they were breaking systems with their use of AI tools, and I’m sure it’s happening across the board. I’m on a board of a company and been tremendously affected by Meta and its algorithms, where basically because of advertising, there have been people served with ads for this specific company where the ad doesn’t match the company, so basic stuff like that. It’s been actually very, very difficult because in some ways, the company goes back to Meta. It’s like, “Hey, dudes, you guys are serving ads that are not even our ads with our copyright and stuff. How does this work?” They’re like, “Oh, it’s AI.” It’s like, “Well, it’s AI but can you give me my money back?” They’re like, “No, we won’t give you money back.” This creates huge issues for companies, for example, that are very dependent on advertising, which obviously there’s a lot of industries that are. They’re actually in production systems at scale. Meta is, I think now, the largest digital advertising in the world. I think they outgrew Google in one of the last quarters. Basically, this has a tremendous effect that systems that are in production at scale are getting inputs and changes driven by AI tooling, and somehow nobody can say what the hell is happening. Again, there will be a reckoning, there will be a redistribution, there will be a rightsizing of teams and an adequacy of teams going forward. I personally think this is a transition period. Bertrand Schmitt I think we are moving from hoarding or software engineering to hoarding the top of the top scientists in AI and hoarding of GPUs, GPUs/data center. For me, it was quite interesting to see the deal of Cursor with xAI, where basically they couldn’t get access to computing resources to run their model. But xAI had, I forgot the exact numbers, but close to half a million GPUs that no one, I mean, “no one was using” because their services are not so successful yet in terms of AI chatbot and the like. Basically, suddenly they are like, “You know what? We control access to resource.” But the new resource is, again, a mix of extremely talented AI engineering or AI scientists versus GPUs/data center. There is this race of controlling boss and everything else is going to be collateral damage. Some examples, I think, are quite interesting. You talk about some example of Amazon, even some production issues. I remember reading a quick post-mortem of one of the issues, and the conclusion was it was AI, definitely part of the issue. But the other part of the issue was AI used by junior engineers. For me, it’s interesting. It shows that actually junior plus AI is actually a danger zone. That’s why many companies are going to be way more careful. “Why do we need the junior people if they are just playing with fire?” I think we go back to that situation of barbell, as you call it. The top talents are extremely valuable because they know how a production system works. They are here to develop better AI systems. But the junior guys playing with fires, yeah, maybe it’s cute in startups, but in a big time production environment, a different story. Nuno Goncalves Pedro There will be a barbell with top-end talent super-mega paid and then mid-level talent that is individual contributors still doing a lot of great work, et cetera. Along the way, a lot of emptying of entry, a lot of emptying of the middle. Where does the talent go? The Three (?) Destinations I think we could say there’s three destinations for this talent. Maybe there’s four, maybe there’s more. Three that we can immediately identify. One is the AI native startup piece, where we have smaller teams that potentially get to a lot of revenue or top line over time, and where the Series Seed is the primary round, where we’re seeing Series Seed being raised of tens of millions of dollars, actually even hundreds of millions of dollars in Series Seed. In some ways, the stars there can get incredible compensations in terms of stock. They will stay for private and selling in secondaries later down the road because there’s so much capital at the table. Actually, in some ways, salaries are very high as well in some of these companies. It’s not like you’re trading off anything. You can get paid a lot of money. If your company at Series Seed for 10 or 15 employees has raised 50-$100 million, you can pay great salaries. In some ways, this is the extreme destination. The AI native startups that can make it is the extreme destination. Now, there aren’t a ton of AI native startups that can raise 50-100 million to 400 million in Series Seed, just to be clear. There’s a handful of hot deals in that space, but that’s one clear destination for top-end talent going through that. In that market, I think that’s one of the destinations. The second one is more what we would call the human-verified premium. It’s more of a play of companies that has still the need of human in the loop, either in terms of development, also in terms of activity, either because go-to markets are very intensive, and so therefore you need to have sales forces, partnership teams, et cetera. Or on the engineering side, it needs to have a lot of customization, integration. Companies are not just going to the, “Oh, you can come in and just apply your AI tooling and somehow magically the systems all work.” there needs to be quite a lot of and work and high touch work in getting stuff done. A significant part of that market, I’m not sure, is super VC investible. Maybe it’s a hybrid of private equity in VC, more PE style in many cases. It’s a PE-hold, sell to someone else market. As we’ve discussed in a previous episode on the SaaS-apocalypse, that hasn’t quite worked out for PEs. Question marks on how that human-verified premium market is going to evolve. But obviously, there’s a lot of work still to be done there, even on the engineering and science side. That’s the second potential destination. Then the third more aggressive destination is the reindustrialized middle companies that have a lot of specificity in going after small and medium businesses, local or regional affectations like ERPs or CRMs for specific markets, et cetera. Those are the three natural destinations. I would add the fourth, which is big tech. I mean, big tech doesn’t magically disappear, and I don’t think it fits neatly into any of these three markets. In some ways, big tech is now looking at the extreme for top talent a little bit like the AI native startup because they can pay. They can pay the 100 million every four years, et cetera. I do think it will typify taxonomically into a fourth type emerging, where, as we discussed, you’ll have top-end individual contributor talent. You’ll have the absolute top-end of the market because they can get paid. Then you’ll start having the emergence of earlier talent that is highly capable, et cetera. That will go back to a bit of a normal distribution in terms of talent on big tech. For me, those are the four destinations that I would put at the table. Bertrand Schmitt For me, big tech moving to big tech, I’m not sure if it’s really a destination. I mean, yes, in some ways it’s a reshuffle between the big tech companies. They are definitely all fighting in some ways for some of the same people. I can see that dramatic shift where big tech has to remove a lot of positions in order to replace by AI. Again, I think at this stage, it’s mostly driven by AI coding. We are still at the beginning because this is brand-new phenomenon that AI coding is so successful at its task. I don’t think it was true even 6 months ago. Some companies, take Anthropic, take OpenAI, are definitely there or close to be there in terms of no more writing of a single line of code by a human, zero. This is, again, 6, 12 months ago. Not true. But now it’s true in a few top companies. Take OpenClaw as well, most successful GitHub project of all time, not a single line written by its author. It would have been impossible. We’re talking about hundreds of thousands of line of code in a few months. It’s impossible to achieve that manually. If you look at the other big tech companies, the Google of the world, the Meta of the world, the Microsoft of the world, they are absolutely not there yet. They are going to be there because they have no choice. It’s you either go fast there or you die. You are not going to be able to survive competitors that are shipping 10, 50, 100 times faster than you are shipping. It’s a life and death situation. All the big tech companies are going to move, and mark my word, in the next 2 years from 10, 20% of AI-written code to 100%. During that transition, the next 2 years max, if you don’t do it in 2 years, you are going to die. Your stock price is going to crash. Then, of course, you will have to make changes. You will have to invest more in GPUs. You will have to invest less in your standard typical software engineer employees. Like you, I’m very optimistic that there are new buckets. AI-native startups definitely will be there. It will be transformational. Human-verified premium, very interesting category. In a way, it will be businesses that are inevitably less scalable through AI, and there is definitely a spot from there. I think the biggest would be the reindustrialized middle SMBs. Most of S&P 500 type of business are going to dramatically offer new software opportunities, new opportunity story to talented software employees because they will need to implement AI in everything they do. They will do it. They will need people who have software engineering knowledge in order to implement these systems. For them, what’s changing dramatically really is that thanks to much cheaper cost as thanks to AI coding, a lot of software projects that they couldn’t afford to do, that they couldn’t imagine doing by themselves, they are able to do it. They will invest in a lot more software capabilities than ever before. That will be a big game changer. And software, very tuned to their business model. There might be less buying of your traditional off-the-shelf SAF software and a lot more investment in a highly custom software by their own team, assisted with AI. I think that would be the part that is most transformed by all of this in a positive way. Nuno Goncalves Pedro Alternative Cap Tables, Alternative Compensation Models This will lead to a very fundamental shift, right back to the broken contract. What does the new contract look like? It looks like alternative cap tables depending on which bucket are you transitioning into. If you’re going into your AI-native bucket, and you’re a top-end talent, you’re like, “Dude, I’m worth 100 million over 4 years, so just compensate me accordingly with a mix of options in the company plus my salary.” If you’re top 1%, you can probably get away with salaries that you’d get anyway at mid-level from 300K, 400K and above, and you can get actually a lot of options already in the company. A lot of this is happening right now. There’s a premium for AI, we know that. There’s a premium for AI at the top end of AI researching, in particular on companies that are doing hardcore research on staff AI engineers, so companies that require actual AI engineering. There is a premium that is significant. It could be as high as 18% over non-AI peers, and it widens actually with seniority, shockingly enough. This is more of an average than anything else. Now, for me, and it’s for debate, but the perspective is this extreme comp will need to compress at some point. There will still be the haves and have-nots paid much better than the have-nots, so to speak, but there will be a compression. The variance can’t be the variance we’re seeing today for absolute top-end talent. That said, there will be variants. We know that big tech for over a decade, decade and a half, for example, in the Bay Area, has been paying a lot of money for director and above levels that used to be the VPs, so a million, a million and a half a year, all in compensations. It’s not unheard of that this will actually increase after this stage. That said, I do think that the compensation extreme that we’re in will get diluted down the middle. It will actually come down at some point. It’s part of where we are today. As we know, it is still a bubble. Bertrand Schmitt Yeah, it’s an interesting point. I think it’s possible. At the same time, that compression coming 2, 3, 5 years. At the same time, we have examples where there is no such compression. Take the top sports players in the world, golfing, basketball, NBA players. There has not really been any compression at all. For me, it’s interesting. If you look at the big tech companies, each being one of this top NBA team, why would such compression happen? As long as they are competing against each other and generating plenty of cash, I think there will be some fair question. We will see. I don’t have a strong opinion, but for me, it’s not a total given. Nuno Goncalves Pedro For me, the shocking thing is the faster AI becomes better, the more that compression will happen, because at some point, it’s like, why do you need the top talent as well? I don’t know. It feels like you’re trying to evolve a system that’s there to replace you. It’s like, “Okay, I’m getting paid 100 million over the next 4 years”, and then you develop something that’s so good that replaces you. Thank you. That’s cool. Bertrand Schmitt That’s a total possibility, yes, because we are in that very unusual market where the game is to only replace yourself and people like yourself. At some point, it is a possibility, I guess this one. Right now, we’re talking about replacing your “average software talent”. In 2 years, could we absolutely replace the absolute best top experts in the world? Probably. I think it’s just that at some point we’ll be reaching the stage where we strictly have no control anymore on our AI systems because no human is able to challenge and understand what’s produced. It’s not just a question of scale anymore. We’re talking about a gap in IQ, basically. Nuno Goncalves Pedro Exactly. It will happen at some point in history. We don’t know exactly when. For the second bucket, the human-verified premium bucket, it’s difficult to see how an HVAC company or an HVAC roll-up of scale or a regional health care platform or high touch go-to-market, B2B, SaaS play, et cetera, for a vertical will compete. At the same end, they have to compete and they will compete. There will be more and more jobs, we believe, for engineering talent in these companies. They’ll have to be more and more AI-enabled themselves. The cash salaries will have to be competitive within the local markets, not necessarily with Silicon Valley. There will be potentially profit sharing and revenue sharing and actual dividends played at the table. The model there on the cap table needs to change a little bit, needs to be probably propped up more on salary and on some way of doing profit sharing or actually having dividends paid to employees and figuring out employee to equity in a more aggressive manner. This is the market that probably was already very attacked, so to speak, or let’s say, occupied by private equity firms. There are still obviously part of that model that would work well. There needs to be a fundamental shift, certainly on the quantum of salary compensation, dividend compensation, profit sharing, and all of that. Then last but not the least, obviously, we had the bucket around basically the reindustrialization of the middle, so everything else, which will take most of the belly that we were talking about. This is probably a poor analogy, the belly fat. It’s not belly fat, it’s people that were doing their jobs that now are getting disrupted. In some ways, that bucket will absorb a lot of that belly, will absorb a lot of talent. The small and medium businesses that Bertrand was saying will need to crucially become more AI, software-enabled by themselves, even with some core stuff and underpinnings that actually might not even require AI in terms of infrastructure platforms. There, you need to get properly paid. Again, how many people do you need in your engineering team if you’re a small business? Probably not a lot. It’s maybe you need one or two people and that’s it. They’ll need to be very nicely paid because they’re running the stuff in the rails. This is probably a market that over time, as AI gets more and more competent, will also be disrupted, but let’s not talk about the disruption to the disruption because otherwise, we’ll stay here the whole day, but certainly a market that has a lot of potential to shift and to absorb a lot of the moments that we’re seeing in terms of layoffs happening in the US in particular. Bertrand Schmitt This category was a category that historically could not compete with Silicon Valley salaries, could not attract the most talented engineers. It’s not a category that didn’t want to bring these people on board. It’s a category that just couldn’t afford to bring this talent on board, typically. I think it would be a dramatic shift for them when suddenly there are opportunities to hire these people. There is an opportunity to hire them at maybe more reasonable prices from this company’s perspective. You talk about small companies, the great thing is that there are millions of small companies at some point. I think things could be truly transformational. Of course, some of these engineers, software engineers, might decide to become entrepreneurs on their own. Solo entrepreneurs, small businesses, build their own, easier to build their own product to market so to serve other companies. I think there will be quite dramatic changes because not all companies will be disrupted by AI as much, but not every company will benefit from improving processes, improving software through AI. At least early on, you will need this human touch to make it work inside a business. Interestingly enough, I was hearing that some companies like IBM were hiring more younger people to do the work of going to the client, understand their needs, propose implementation plans. That forward deployed engineer, those positions, I think there will be more and more available. Nuno Goncalves Pedro Investor Landscape Fragmentation What happens to investor into the landscape? We already had an episode, the previous one, Episode 76, where we talked quite a lot about the big capital reset on the private equity and private reset, including venture capital. Just maybe to summarize, how does it align with the buckets that we’ve just been discussing? I think the AI-native bucket clearly is going to be the key bucket. There, we’re going to see two movements. One movement, which is the mega funds, as we discussed in the last episode, are no longer just VC funds. They’re really mostly multi-asset private equity funds, maybe even private equity hedge funds in some cases. Those funds will be all over the high-growth AI-native companies and will be pouring money into companies that are scaling really, really quickly. The early stage, so to speak, VCs, the actual VCs that will stay in the market will be the guys probably identifying the next big wave of AI-native companies. We’ve discussed that as well in the last episode, some research that we did at Chamaeleon that I shared in episode 76. We’ll see that as emerging. What happens to the second bucket, the bucket around human premium, human in the loop? Likely we’ll have more and more private equity capital going into it and the large-scale VC guys, the Thrives of the world, they’ve just announced Thrive Holdings, and others going after those markets as well. It’s trying to converge into the private equity market, which aligns with the point we made in the previous episode that the VC mega funds are no longer VC, that they are private equity, multi-asset class. They’re going after a bunch of things. There’s a conversion happening from VC into private equity. It was going to happen anyway because the private equity guys were coming into VC as well and the hedge funds were coming to VC as well. There’s a convergence in the middle of very, very large funds and large assets under management happening to go after some of these opportunities, certainly in Bucket B. Then this Bucket C, so to speak, the bucket of reindustrialization, as Bertrand was saying, very well, likely will be self-funded for a significant period of time. Will self-fund with their own cash flow. Doesn’t need to have a ton of capital intensity. Maybe you need one or two engineers to do stuff, but that’s it. You don’t need tons of capital. You didn’t need in the past, you won’t need it today. Not sure there’s going to be a fundamental shift to that market. Bertrand Schmitt Yes, I certainly, overall, agree with you. That last pocket, probably little change to the capital and capital structure. Again, I see that as the biggest opportunity for a lot of people who might be less needed by big tech and also top tech companies. What is sure for the first category, the high native startups? I would say more overall in the VC ecosystem, there is no space left for SaaS anymore. I think SaaS, as we used to know it, is dead in some ways in the sense that new pure SaaS software startup are definitely out. Existing ones that are critical to run your infrastructure, the Salesforce of the world, I think they’re in a decent spot. Actually, interestingly, they changed their pricing model to now sell to AI agents, not just per seat. There is a change in pricing there. But this day and age of funding a pure SaaS software startup through VC money, no way. VC money going to AI-native startups, AI-focused startups, to biotech, to deep tech, to defense tech, yes. SaaS as a fundable category early on, I think it’s over. Nuno Goncalves Pedro I’m a bit more nuanced as we shared in The SaaS Apocalypse episode. We can call it whatever we call. It’s applied AI is the new SaaS thing. Horizontal applied AI is the new horizontal SaaS or vertical applied AI is the new vertical SaaS. I agree in common with your point that very specific point solutions around SaaS will be disrupted by nature with all the easy stuff you can do today with AI. It will take a while. This is not something that’s going to happen this year. It’s going to happen over the next years. Maybe interesting to also talk about the exit markets. I think the IPO market, as we’ve also discussed in the past, there is, in my view, going to be a reopening of the IPO market, I think this year, probably later in the year, third or fourth quarter. The median time to IPO actually is going to be really weird because there’s going to be potentially some companies in the current landscape, bubble or no bubble, that are going to IPO, the OpenAIs of the world, Anthropics of the world, et cetera. There will be more and more aggression, I think, on M&A. Big tech has already shown it, that they want to buy into markets. Large non-tech companies have also started doing acquisitions in space. To prop up their IT teams, their engineering teams with this world that we’ve also discussed in previous episodes that I’m going to own my own engineering stack for now. As we see, that normally doesn’t withstand the test of time. At some point it will get unbundled and served by someone else. Then finally, the secondary market is very hot right now. Obviously, there’s heavy discounting on some areas, high premiums on others. The exit market, strangely enough, is going to be propped up, in my opinion, over the next year to 2 years, dramatically. Then we’ll see if there’s a big reckoning around the bubble that we are clearly in or not, if it’s a soft landing or hard landing. Definitely, there’s going to be a lot of exit paths over the next year to 2 years. Bertrand Schmitt Concerning the “bubble”, I have two perspectives on this. One is it’s a bubble in the sense that money is going to a lot of players and some players are going to blow it up. There will be a concentration of players at the end, like it usually happens. If you look at, for instance, long time ago, the railway revolution, there was that intense influx of capital. At the end of the day, there was a dramatic change in transportation in the US and a complete railway system put in place. Yes, some investors lost money, some companies went bankrupt, but the transformation was fully real. There were a lot of top leaders at the end of this revolution. The change after that only happened, we guess, post-World War II, with the construction of the highway system and the rise of airlines and plane transportation overall. Here I feel it’s similar in the sense that, yes, there is a lot of money going in. Some players are going to blow it. They will misuse the money in different ways, but that’s part of dynamic allocation of capital. Of course, you make mistakes. That’s what happens. At the same time, I feel it’s a similar level in the sense of this is a dramatic change in the US infrastructure. This buildup of AI data centers filled with GPUs, integrated at scale with some of the best software in the world and running it, supported by a dramatic shift in energy infrastructure. This is for me similar to the Railroad Revolution. Some players might not own the data center they build because they didn’t manage well their debt, they didn’t manage to run proper software. You know what? They will get acquired by somebody else. I think we are at this level of fundamental transformation. The fact that in a matter of maybe 2 years, the move from 0% of code written by AI to 100 % written by AI is an insane dramatic shift. Just to be clear, when you move from manually coded to AI coded, we’re talking about a 100X difference in terms of speed at similar, if not better level of quality. The shift is dramatic, and on top of it, you don’t pay salaries anymore to achieve that. You pay CapEx, and with GPUs and OpEx with electricity. It’s a very big shift, positive shift in business model. New unions, no management over it, AI working 24/7. Personally, I think for me, bubble has a bad connotation in the sense of it was all for a waste. I don’t think it’s all for a waste. I think we are witnessing a dramatic revolution of our lifetimes, quite frankly, bigger than SaaS, bigger than mobile. From my perspective, it’s exciting times. Nuno Goncalves Pedro Operator Playbook and Predictions Let’s move to if you are this person, what would you do in the future? Let’s start with two extremes and go from there. One is you’re non-tech, so you’re not an engineer, et cetera. You’re trying to figure out, how do I scale my activity? Maybe physical labor is where I want to go. It’s not, “Go west” anymore. Definitely not necessarily go west. You should go to, I guess, the states that have no sales tax with very cheap energy because that’s where the data centers are being built if you want to be in that market. Obviously, there’s a lot of stuff that needs to be done: HVAC, electricity work, et cetera. Don’t go west. Go low sales taxes, low cost of energy. That’s likely where the data centers are being built. You probably can just follow. There’s, I’m sure, some way for you to follow where the data centers are being built, but that’s next, I think on that extreme of the table. The other extreme of the table, let’s say you are super ambitious, maybe you’re no longer an engineer, but you’re a product manager in your prompt engineering. You could do prompt engineering all day long. You’re 28, 29-year-old superstar. What do you go and do? Likely either you start your own thing, start your own company because you’re so good at prompt engineering, you probably can do a lot of the code yourself, particularly if you have an engineering background, or you go and join very early an AI-native startup that you think has the chance of going through the roof, and you take a pretty good salary early on, a ton of upside on the company because guess what? Companies like that need product managers. They need people to figure out UX, UI. It’s not going to be, at least for now, yet AI figuring that out for you. Those are two extremes, just to give two of the extremes, like engineering, product management persona, and physical labor at the other extreme, non-tech, et cetera. Bertrand Schmitt In some ways, every software engineering job is going to become the equivalent of a software engineering manager or a product manager, because suddenly you don’t have to do the coding anymore. You’re managing AI that is coding for you. Either you start to have some manager hat, but we saw the humans, so it’s a very different type of manager, obviously, or you are going to be really an empowered product manager. You’re skipping the middleman. You’re skipping the traditional engineering organization because your engineering organization is AI running and doing the work for you. I still believe that it requires some serious skills. I don’t believe in the vibe coder type of value proposition. I don’t believe in the prompt engineer becoming suddenly super incredible, able to manage that. I still think it requires some serious chops to do the best from all of this and to do it in a safe and sane way. It’s very easy to have poor taste, make mistakes. I don’t know you, but keep reading these stories on the heads of companies who lost everything because of the AI agents. That deleted stuff in production, and they had no backups or the backups weren’t deleted as well. Crazy situation. You cannot run companies like this if you let your agents running wild. You could argue it’s the early days. I would argue it that that issues would be there for a while. You need to have some engineering discipline at core in the company running the business to make sure things don’t go sideways because it would be easy for things to go sideways. Nuno Goncalves Pedro I totally agree. If you’re thinking, Oh, should my kid go into science and engineering and computer science, et cetera? Absolutely, still, because of everything that Bertrand just said. You need to understand actually what code does and what technology does and what all of that does. That’s still a skill of the future. It’s not a skill of the past. In some ways, it’s still a skill of the future very much. Maybe let’s try two more extremes. Around the same level, the person that decided to do an AI native company bootstrapped initially, having difficulty raising a mega round, but could probably get away with raising a 2-3 million seed round, et cetera. Is that still viable? The answer is yes. There’s tremendous capital efficiency right now happening in the market still, 10 plus higher than if you were doing a SaaS company, and you were a founder in 2019 or something like that. That capital efficiency is going to reverberate. You can run a tighter team, smaller team. Actually, you don’t need that many salaries. If you’re a decent engineer as a founder or if you understand enough as a product manager to just generate that code, you can do a lot of stuff yourself, can bring in maybe one or two technical elements to the team early on as you would have done if you were bootstrapped anyway. There’s obviously a path for that. The other extreme is you’re in big tech, you’re level five, individual contributor, making a ton of money, or you were a manager, and you’re now out of a job, where do you go? You can go to a big company that is non-tech, S&P 500 company that’s non-tech, something like that. You join the company, you’ll probably get paid pretty well, maybe not as high as you were paid in big tech. There’s some stock at the table, but guess what? You’ll have probably more work-life balance than you ever did. That’s the trade-off. You’ll have a better job. On the upside, you can transform the company. You can help and be part of transforming a company from non-AI to AI-first or AI-enabled in the future, whatever BS that will look like in terms of the argumentation to the board. You can actually create tremendous productivity enhancements in a big non-tech company if you come with that background. Again, you’ll have certainly a better work-life balance, so not a bad deal, to be honest. Bertrand Schmitt Also, to be clear, I talk a lot about AI coding because it’s truly transformational. You could argue that it’s going to be self-improving. We are in the situation of a self-improving AI that keeps improving itself thanks to automated coding. It’s a dramatic, virtuous loop. Obviously, AI is also going to improve everything else. It’s going to improve your marketing, it’s going to improve your search process, it’s going to improve your DNA. Improvements will be everywhere. It’s just that right now we are at a point in the quote-unquote revolution where there is one clear piece of the puzzle that is moving faster than the rest. Nuno Goncalves Pedro Bertrand, the senior executives at non-tech don’t know anything about that. It could be just a great prompt engineer. That’s the only job you do. “I’m the chief marketing officer. I have someone below me that’s doing the whole work.” Nobody knows. Nobody’s the wiser, I guess. I’m being facetious, but not fully. Bertrand Schmitt Yeah. There would be a transition period where what you described happen. I want to say, going back to AI coding, I think that the part of AI that as of today has reached a stage of limited AGI. We have reached, from my perspective, a limited type of AGI for coding. If you take coding as a discipline today, I think we reach AGI. If you go beyond coding, that’s true. If we are talking about coding, leveraging the latest LLMs: OPUS 4.7, ChatGPT 5.5, combined with Claude Code, Codex, and OpenCode for harness, I think we’ve reached AGI in the context of coding. I’m not sure everyone fully realize that and the consequence of that. I think the rest is going to come as well. We are going to see that category by category, usually categories that are more scientific in nature, where you can replicate, where you can test easily, where you can create clear success. Metrics will be the “easiest” to follow in that direction of self-improvement. I just want to highlight that this part is truly transformational, the root cause of everything we’re talking about today. At the same time, it’s coming beyond coding. Nuno Goncalves Pedro I think it is true. There are a couple of markets where that might not hold true, which is maybe the final path. If you’re thinking of starting your own business in plumbing and in HVAC maintenance and installation, this is a pretty good time for the reasons we already said before. There’s a lot of buildup of data centers and all that stuff, but also for other reasons, because it’s an activity that won’t be disrupted by AI yet. You need them embodied AI. You need physicality to AI to do stuff like actually fixing pipes. Bertrand Schmitt Until Optimus replace you. Nuno Goncalves Pedro Yeah, but if we’re 3, 4 years out in terms of a lot of these optimizations that we’re talking about at the software layer, we’re 10 years plus out on embodied AI, right? Bertrand Schmitt Oh, yeah, it’s 10 years. Nuno Goncalves Pedro We’ll probably be optimistic as we speak. That’s a nice business. I’m thinking of starting to go into that market. If you guys are interested in listening to this, just reach out to me. What’s the angle? I think there’s a lot of stuff you can do in the buildup of some of these businesses, plumbing, HVAC, all sorts of maintenance. There are markets that are just totally messed up. Handyman market in the US is totally messed up. There’s a bunch of companies out there that try to go after it with marketplaces and stuff. I honestly just start something from scratch, a small business, and go from there. Bertrand Schmitt Yes. They’re an interesting middle. Think about accounting firms, consulting firms. I think they are not as easy to replace, but at the same time, there is no way on what they do is not going to be dramatically changed with AI. I don’t know if it’s 50, 80, 90% of the job, but this is changing quite dramatically, would be my expectation in the coming few years. Conclusion Thanks for listening episode 77 of Tech Deciphered about that great talent redistribution. As you heard it from us, we believe there is a dramatic change in play, enabled by AI coding, and that ultimately a lot of the big tech companies are changing their employee distribution, way more focused on the top talents and bringing more GPUs. As a result, we will see a change in their staffing. Some of this change will benefit AI-focused startups, but probably more likely will benefit the bigger SMBs, the S&P 500 companies of the world that will finally be able to bring inside and afford some of the talent that were in some ways trapped by the top 5, 10, 20 software companies of the world. Thank you, Nuno. Nuno Goncalves Pedro Thank you, Bertrand
Jonathan Hines argues that IP26-645 isn't a partisan fight — it's a defense of a voter mandate that Washington has reaffirmed ten times since 1934. With over 400,000 signatures needed by July 2, he warns that letting the millionaire tax stand creates the legal architecture for a broader income tax on every working family. https://www.clarkcountytoday.com/opinion/letter-why-petition-ip26-645-is-a-stand-for-the-people-not-a-political-party/ #IP26645 #WashingtonTax #IncomeТax #TaxRepeal #WashingtonState #Opinion #ClarkCounty #Petition #StatePolitics #VoterRights
David Wickert and Tim Holdmann tackle the gap between scary rate headlines and what actually matters in real-life home buying. Friday's bond market move pushed monthly payments on a $400K loan up just $56 — hardly the “rates skyrocket” doom the click-bait crowd was selling. For serious home shoppers, fewer competing offers is actually a silver lining.Tim shares the story of repeat clients expecting twins (going from man-to-man to zone defense) who closed despite the rate shift, plus an Illinois condo buyer using a strategic June 1 closing date as their competitive edge — sometimes speed and certainty beat dollars.David walks through a four-kid family wrestling with the timing puzzle of buying before selling, and the “softly breathing into the phone” moment when clients realize their 20% down payment plan depends on a sale that hasn't happened yet.Plus: the trade-off conversation with a client choosing to make a $100,000 larger down payment to save $700/month — why wealthy people think in assets while everyone else thinks in monthly payments, and why your personal comfort level is always the right answer, even when the math suggests otherwise.
MoneyWise is a Hampton podcast. Hampton is a private, vetted community for founders doing $3M or more in revenue. Apply at https://www.joinhampton.com/?utm_source=youtube&utm_medium=video&utm_campaign=yt051126.From Minecraft maps to $400k months — but the money isn't the story.Nathan May grew up in one of the poorest neighborhoods in Ohio. His mom made $32,000 a year. He never left the state until he was 18. At 15, he was selling custom Minecraft maps to famous YouTubers and making his first $100K. He went to Wharton, joined BCG, quit, and built one of the fastest-growing newsletter agencies in the country before turning 30.But the week he hit his first million dollars, his mom died. And he felt nothing.In this episode, Nathan gets brutally honest about what money actually gave him — and what it didn't. We go deep on the community he's built in New York with a group of founders sharing an office, a monthly revenue leaderboard, and the kind of real talk that doesn't happen anywhere else. He calls it the Media Mafia. He says it's changed his life more than any dollar amount ever has.We also get into:Growing up in poverty and never leaving Ohio until 18How a Minecraft addiction became his first real businessLeaving a six-figure BCG career to bet on himselfBuilding a $1M ARR agency in under a year with 1,000 newsletter subscribersHis actual net worth, his $10M target, and why he keeps almost no cashWhy he thinks the wealthiest people he knows are often the least happyTimestamps00:00 - Cold open00:58 - Introducing Nathan May01:23 - Small talk / how Nathan starts his day02:32 - The agency, the numbers, how life has changed03:24 - Growing up poor in Ohio — never left the state until 1805:35 - He originally wanted to be an actor06:04 - The Minecraft business: how a video game addiction made him $100K at 1509:05 - Wharton, Wall Street culture shock, and the path to BCG10:36 - What BCG actually changed about his life12:01 - Building the agency: newsletters, Schwarzenegger, and why it felt like video games again15:32 - His real relationship with money: checking account, savings, leverage strategy16:52 - The $10M number: how he used ChatGPT to find his "enough"18:34 - The Media Mafia: seven founders, one office, a monthly revenue leaderboard20:31 - Being at the cusp — exciting, terrifying, or both?23:07 - Why IRL community is the highest-leverage thing a founder can build26:03 - What Hampton means to him27:31 - His mom's passing, the $1M milestone, and why none of it felt like anything29:24 - Can you be successful without community?31:39 - What's next and closing thoughtsMoneyWise is the podcast where high-net-worth founders get radically transparent about how they actually make, spend, invest, and think about money. Hosted by Daniel Berk and presented by Hampton.Sponsors:Daily Body Coach - achieve your dream body with https://moneywise.dailybodycoach.com
In this episode, Dr. Stephanie Wigner breaks down why so many practitioners stall between $400K and $600K and what it actually takes to break through to seven figures. She unpacks the hidden ceiling that keeps high-performing business owners stuck in operator mode and explains why scaling is ultimately an identity decision before it is a strategy decision. From raising prices and productizing outcomes to hiring an A-player integrator and fixing lead flow, this episode is a direct call to stop managing a practice and start building a real asset. The shift is learning to think, lead, and decide like a CEO. If you have already built momentum, this is your reminder not to stop at the hardest level.Join our live 5 day money challenge - May 18th:https://go.thewealthypractitioner.com/money-challenge?utm_source=MTWpodcast&utm_medium=podcast&utm_campaign=goldmind&utm_content=mtw-podcast-linkGet tickets to our upcoming event in San Diego, CA:https://go.thewealthypractitioner.com/san-diego-event?utm_source=MTWpodcast&utm_medium=podcast&utm_campaign=san_diego_event Chapters:01:14 Profit margins matter more than revenue02:31 Raise your prices without emotional attachment03:10 Productize your biggest transformation05:03 The power of hiring an A-player operator06:12 Why proximity changes your identity06:56 Referrals are not a real marketing strategy07:48 Transitioning from practitioner to CEO09:10 Rewriting your identity to scale biggerKey Takeaway:The business only grows to the level of identity you are willing to claim as a CEO.
5 paid-off rentals vs. 15 rentals with mortgages. We get this question a lot: Should I pay off my rental properties or use the cash flow to keep scaling? Many investors believe you need a dozen or more rentals to become financially free. So, in today's show, we're going to show you the overlooked math behind having five paid-off rental properties, and whether it's worth it to keep scaling to over a dozen doors. I've modeled out both scenarios (pay off rentals vs. buy more) to see which gets you to financial freedom faster, which leaves you with a bigger net worth, and which pumps out more cash flow so you can do what you want with your time. We're using real, inflation-adjusted numbers: $400K home prices, $250/month cash flow, 30-year loans. These are the types of deals we're buying even in 2026. So which scenario would Dave pick? Dave has a clear answer on the option he thinks is best for most real estate investors, and what to do if you pay off your rental properties but want to scale slowly when the right deal arrives. If you've got some cash burning a hole in your pocket, this is the episode to hear before you make a move. How Logan scaled to 14 rental units and nearly $8,000 in monthly cash flow Buying his first rental property at 18 with no credit, no experience, and just $15,000 Several ways to find off-market rental properties for sale (and fund them!) How to scale your real estate portfolio faster while keeping your W-2 job Why house hacking is a no-brainer for people looking to break into real estate And So Much More! Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/real-estate-1276. Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com. Learn more about your ad choices. Visit megaphone.fm/adchoices
Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Jennifer Gaddis. Interview Summary Show: Money Making Conversations MasterclassHost: Rushion McDonaldGuest: Jennifer Gaddis – Senior Quality Assurance Engineer, Educator, Founder of Road to QA 1. Purpose of the Interview The primary purpose of the interview is to inspire and educate everyday people—especially those without college degrees or traditional tech backgrounds—on how to pivot into technology careers, specifically Quality Assurance (QA), and to reframe fear around AI, layoffs, and automation into opportunity. Jennifer’s story is used as proof of concept that: You do not need a college degree to succeed in tech Transferable skills already qualify many people for QA roles AI does not eliminate jobs—it creates new opportunities Strategic career pivots can result in life-changing income and freedom Rushion positions Jennifer not only as a success story, but as a new blueprint for wealth-building through skills, not credentials. [ 2. Interview Overview (High-Level Summary) Jennifer Gaddis shares how she: Pivoted into tech in 2021 with no degree Went from $40K to six figures within 90 days Built a $400K+ remote household income with her husband Created Road to QA, helping 200+ people land tech jobs Accidentally built a multi-million-dollar education business Used personal hardship, COVID, financial stress, and family responsibility as fuel—not limitations She explains what Quality Assurance engineering is, why it is resistant to AI replacement, and how regular users of apps are already doing parts of QA work without realizing it. 3. Key Takeaways A. You’re Already More Qualified Than You Think Jennifer emphasizes that everyday digital behavior translates into QA skills: Using apps Identifying bugs Expecting software to “work correctly” Navigating systems as an end user This insight forms the core of her teaching philosophy. B. The Faster You Add Skills, the Faster You Increase Income Jennifer repeatedly notes: “The difference in your paycheck is your skillset.” By stacking skills (manual QA → automation → AI testing), professionals increase their market value, not just job security. C. AI Is a Career Accelerator, Not a Threat Rather than fearing AI, Jennifer encourages people to: Work alongside AI Become the humans overseeing AI systems Move into hybrid QA + automation + AI roles She stresses that human oversight is still required in tech deployment. D. Entrepreneurship Can Be Accidental—but Scalable Jennifer did not initially plan to build a company. Her business emerged from: Instagram stories A $97 beginner e-book Real student outcomes Her willingness to: Raise prices Build systems Hire specialists Learn financial discipline Allowed Road to QA to grow sustainably. E. Representation and Access Matter Jennifer openly discusses: Being a Black woman in tech Coming from financial insecurity Navigating family obligations Redefining success for future generations Her story challenges stereotypes about who “belongs” in tech careers. [ 4. Notable Quotes from the Interview “I landed my first year in tech within 90 days.” [ “The difference in your paycheck is your skillset.” “You’re already a software tester—you just don’t know it yet.” [ “I didn’t set out to build a company. I said yes to myself.” [ “AI still needs human oversight.” “My journey was already different, so I had to build something different.” 5. Overall Message Jennifer Gaddis’s interview reinforces a central theme of Money Making Conversations: Income growth follows skill alignment, not traditional credentials. Her journey reframes: Fear → strategy Job loss → skill expansion Limited access → self-investment The interview serves as both motivation and roadmap for anyone seeking financial mobility through tech—without gatekeeping. #SHMS #BEST #STRAWSee omnystudio.com/listener for privacy information.
Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Jennifer Gaddis. Interview Summary Show: Money Making Conversations MasterclassHost: Rushion McDonaldGuest: Jennifer Gaddis – Senior Quality Assurance Engineer, Educator, Founder of Road to QA 1. Purpose of the Interview The primary purpose of the interview is to inspire and educate everyday people—especially those without college degrees or traditional tech backgrounds—on how to pivot into technology careers, specifically Quality Assurance (QA), and to reframe fear around AI, layoffs, and automation into opportunity. Jennifer’s story is used as proof of concept that: You do not need a college degree to succeed in tech Transferable skills already qualify many people for QA roles AI does not eliminate jobs—it creates new opportunities Strategic career pivots can result in life-changing income and freedom Rushion positions Jennifer not only as a success story, but as a new blueprint for wealth-building through skills, not credentials. [ 2. Interview Overview (High-Level Summary) Jennifer Gaddis shares how she: Pivoted into tech in 2021 with no degree Went from $40K to six figures within 90 days Built a $400K+ remote household income with her husband Created Road to QA, helping 200+ people land tech jobs Accidentally built a multi-million-dollar education business Used personal hardship, COVID, financial stress, and family responsibility as fuel—not limitations She explains what Quality Assurance engineering is, why it is resistant to AI replacement, and how regular users of apps are already doing parts of QA work without realizing it. 3. Key Takeaways A. You’re Already More Qualified Than You Think Jennifer emphasizes that everyday digital behavior translates into QA skills: Using apps Identifying bugs Expecting software to “work correctly” Navigating systems as an end user This insight forms the core of her teaching philosophy. B. The Faster You Add Skills, the Faster You Increase Income Jennifer repeatedly notes: “The difference in your paycheck is your skillset.” By stacking skills (manual QA → automation → AI testing), professionals increase their market value, not just job security. C. AI Is a Career Accelerator, Not a Threat Rather than fearing AI, Jennifer encourages people to: Work alongside AI Become the humans overseeing AI systems Move into hybrid QA + automation + AI roles She stresses that human oversight is still required in tech deployment. D. Entrepreneurship Can Be Accidental—but Scalable Jennifer did not initially plan to build a company. Her business emerged from: Instagram stories A $97 beginner e-book Real student outcomes Her willingness to: Raise prices Build systems Hire specialists Learn financial discipline Allowed Road to QA to grow sustainably. E. Representation and Access Matter Jennifer openly discusses: Being a Black woman in tech Coming from financial insecurity Navigating family obligations Redefining success for future generations Her story challenges stereotypes about who “belongs” in tech careers. [ 4. Notable Quotes from the Interview “I landed my first year in tech within 90 days.” [ “The difference in your paycheck is your skillset.” “You’re already a software tester—you just don’t know it yet.” [ “I didn’t set out to build a company. I said yes to myself.” [ “AI still needs human oversight.” “My journey was already different, so I had to build something different.” 5. Overall Message Jennifer Gaddis’s interview reinforces a central theme of Money Making Conversations: Income growth follows skill alignment, not traditional credentials. Her journey reframes: Fear → strategy Job loss → skill expansion Limited access → self-investment The interview serves as both motivation and roadmap for anyone seeking financial mobility through tech—without gatekeeping. #SHMS #BEST #STRAWSteve Harvey Morning Show Online: http://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.
5 paid-off rentals vs. 15 rentals with mortgages. We get this question a lot: Should I pay off my rental properties or use the cash flow to keep scaling? Many investors believe you need a dozen or more rentals to become financially free. So, in today's show, we're going to show you the overlooked math behind having five paid-off rental properties, and whether it's worth it to keep scaling to over a dozen doors. I've modeled out both scenarios (pay off rentals vs. buy more) to see which gets you to financial freedom faster, which leaves you with a bigger net worth, and which pumps out more cash flow so you can do what you want with your time. We're using real, inflation-adjusted numbers: $400K home prices, $250/month cash flow, 30-year loans. These are the types of deals we're buying even in 2026. So which scenario would Dave pick? Dave has a clear answer on the option he thinks is best for most real estate investors, and what to do if you pay off your rental properties but want to scale slowly when the right deal arrives. If you've got some cash burning a hole in your pocket, this is the episode to hear before you make a move. In This Episode We Cover 5 paid-off rental properties vs. 15 rentals with mortgages: which makes more money? How much faster do you reach financial freedom if you pay off your mortgages early? The multi-million dollar difference between the two scenarios (but is it worth it?) How Dave is combining the two scenarios to “harvest” his cash flow while scaling Proof you don't need a huge portfolio to become a multimillionaire And So Much More! Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/real-estate-1275. Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com. Learn more about your ad choices. Visit megaphone.fm/adchoices
Connect with Rohit Punyani: https://ownersasset.com/resource-libraryBook a call: https://remnantfinance.com/calendar Out Print the Fed with a 1% target per week: https://remnantfinance.com/optionsEmail us at info@remnantfinance.com or visit https://remnantfinance.com for more informationFOLLOW REMNANT FINANCEYoutube: @RemnantFinance (https://www.youtube.com/@RemnantFinance)Facebook: @remnantfinance (https://www.facebook.com/profile.php?id=61560694316588)Twitter: @remnantfinance (https://x.com/remnantfinance)TikTok: @RemnantFinanceDon't forget to hit LIKE and SUBSCRIBE_____________________________In this episode, Hans is joined by Rohit Punyani, co-founder of The Owner's Asset and a former Wall Street CIO who oversaw $4 billion at a multi-family office and community bank. After 20+ years in financial services starting as a large-cap stock picker, moving into wealth management at Wilmington Trust, and ultimately running money for hundred-millionaires and billionaires—Rohit fell in love with whole life insurance. Now he's built a firm dedicated to helping small business owners buy whole life with pre-tax dollars through cash balance plans.Chapters: 00:00 – Opening segment 01:50 – Rohit's background: from $2B mutual fund to multi-family office CIO 04:30 – How the wealthiest clients actually think (structure over IRR) 06:00 – Why affluent families pushed Rohit toward whole life 08:35 – The five pillars of wealth (and why investments rank third) 09:05 – Overcoming bias: how a Wall Street guy learned to love whole life 13:30 – Banking function: sourcing capital and the limits of margin loans 17:50 – Asset vs. liability: how to think about policy loan repayment 22:35 – Introducing cash balance plans: the 96% cousin of the 401(k) 25:25 – The four major differences between 401(k)s and cash balance plans 26:25 – Contribution limits: putting away up to $400K per year 28:45 – The three-to-five year commitment requirement 33:15 – Who's the ideal candidate (quarterly estimated tax payers) 38:00 – Why you can't use a PUA rider in a cash balance plan 42:25 – The "synthetic PUA": getting Uncle Sam to fund your policy 51:25 – The optionality argument: why this beats chasing rate of return 55:15 – Enhanced ERISA creditor protection inside the plan 58:55 – Building self-escrow systems for retirement 01:03:55 – Wholesale vs. retail pricing on whole life premium 01:06:25 – The distribution mechanics: pulling life insurance out of the plan 01:21:35 – Converting term insurance into a cash balance plan policy 01:24:35 – Asset allocation rules: the 40% life insurance cap 01:31:30 – The 5% corridor: why the IRS caps your returns 01:33:30 – The 50% excise tax on overfunded plans 01:39:55 – Whole life as the "high ground" in your portfolio 01:43:15 – Statement wealth vs. contractual wealth 01:53:55 – Pairing annuities with whole life inside the plan 02:00:00 – Rohit's personal retirement plan 02:06:35 – Designing your 401(k) as your pension (not "on steroids") 02:11:00 – Closing segment Key Takeaways:The wealthy don't worship at the altar of IRR. After running money for hundred-millionaires and billionaires, Rohit learned that affluent clients optimize for structure, behavior, and optionality before they optimize for return. TThe "synthetic PUA" reframes everything for IBC practitioners. You can't use a PUA rider inside a cash balance plan, which might make IBC enthusiasts dismiss it immediately. But think of the tax deduction itself as a synthetic PUA. .Wholesale pricing changes the math entirely. To pay $100,000 of premium with after-tax dollars, you have to earn roughly $140,000 to $150,000 depending on your state. The distribution arbitrage is the cherry on top. When you pull a $1 million policy out of the plan, you owe taxes just like an IRA distribution. But unlike an IRA, the custodian cannot withhold from the policy itself.
Send us Fan MailPeaches is back for the May 7 Daily Drop—and yeah… this one goes from special operations gambling scandals to America's obesity problem real damn fast.A Green Beret allegedly used classified intel, dropped $30K on a prediction market… and walked away with $400K. And honestly? Peaches has thoughts. Spoiler: he's not exactly mad about it. Meanwhile, the Pentagon keeps throwing hundreds of millions at AI, cyber warfare, and data analytics, the Air Force is resurrecting B-1 bombers from the boneyard, and the Coast Guard is building its own special missions command.Oh—and if you think America's doing great physically… Peaches spent one night on the Vegas strip and came back with some uncomfortable observations.Bottom line: the future is getting faster, warfare is getting smarter, and if we don't fix ourselves physically… none of it matters.⏱️ Timestamps: 00:00 Yeah… I'm Half Retarded 01:00 Tasty Gains & Pennsylvania OTS 03:00 Green Berets Leaving Stuttgart 05:00 Baumholder—Win or Loss? 07:00 Green Beret Wins $400K Betting on Missions?! 10:00 “Good for Him” 13:00 Army Wants $2.1B More for R&D 16:00 Navy Changes Amphib Command Structure 18:00 Iran Tanker Gets Disabled 20:00 F-22s Land in Japan 22:00 AI Is Taking Over Air Operations 24:00 B-1 Bomber Resurrected from the Dead 26:00 AFRL Shake-Up 28:00 32,000 Gallons of Jet Fuel… Gone 30:00 Coast Guard Builds Its Own SOF Command 33:00 Autonomous Sail Drones Hit the Lakes 35:00 $500M More for Scale AI 38:00 Cyber Training Gets Overhauled 40:00 Fitness Test Is BACK 43:00 America Has a Serious Problem 46:00 Vegas Strip Reality Check 49:00 Final Thought—Fix Yourself First
GRAB the Well-Oiled Audit: https://drive.google.com/file/d/1-W22nik2ohFCuN0wnvldpR9_pOYlS2Rt/view?usp=drive_link Join my next live free workshop, 'It's not a people problem. It's a systems problem.' Save your seat here: https://go.welloiledoperations.com/april-zoom-workshop In this video, I'm breaking down the five design decisions that determine whether your business scales with you or buries you. Most business owners hit a ceiling around $1M or $2M and think they need better marketing or a bigger team. The real problem: their business was architecturally designed for $400K. Every system was built for a smaller, simpler version of this company. I'll walk you through the design decisions you need to make to build a business that can scale without you. Connect with me: LinkedIn: https://www.linkedin.com/in/stacytuschl/ Instagram: https://www.instagram.com/stacytuschl/ Facebook: https://www.facebook.com/stacytuschl/ Newsletter: https://www.linkedin.com/newsletters/7396626889408274432/ 00:00 - Intro 02:21 - Design Decision 1: Growth through subtraction 04:47 - Design Decision 2: One before many 06:52 - Design Decision 3: Design your role before you design your offer 08:31 - Design Decision 4: Make visibility nonnegotiable from day one 10:30 - Design Decision 5: Build accountability into the structure, not into people 12:22 - Why businesses plateau and how to fix it #businessstrategy #businessoperations #scalingsystems #entrepreneurship Disclaimer: The strategies and frameworks I share are based on my 15+ years of building and scaling businesses, not overnight success. What I teach works, but your results depend entirely on your execution, your market, and your commitment to building systems consistently. This is educational content, not a guarantee. Business growth requires real work, strategic decisions, and the discipline to stick with what actually moves the needle. Evaluate your own circumstances, assess your risks, and take full ownership of your outcomes. That's what well-oiled business owners do.
Linktree: https://linktr.ee/AnalyticJoin The Normandy For Ad-Free NME, Additional Bonus Audio And Visual Content For All Things Nme+! Join Here: https://ow.ly/msoH50WCu0KIn this segment of Notorious Mass Effect, Analytic Dreamz breaks down Drake's announced 9th studio album Iceman, set for release May 15, 2026 via OVO Sound/Republic Records. The announcement, made through a viral Toronto ice sculpture stunt on April 21, has generated massive pre-release hype with no new solo singles dropped yet.Analytic Dreamz examines the immediate catalog surge across the Billboard 200, Drake's record Spotify monthly listeners, and his milestone as the first rapper to surpass 6 billion streams in 2026. The segment covers rumored features including Central Cee, Yeat, Julia Wolf, Young Thug, 21 Savage, PARTYNEXTDOOR, Future, and others, plus first-week sales projections ranging from 400K to 600K+ equivalent units.Drawing from Drake's historic album openers — Views at over 1 million, Scorpion at 732K, and consistent top 10 debuts — this breakdown analyzes the strategic rollout, streaming momentum, and what Iceman could mean for his continued dominance in 2026. Privacy & Opt-Out: https://redcircle.com/privacy
Monday, April 27th, 2026 Today, Unite the Right extremists mock the DOJ's spin on the Southern Poverty Law Center; Trump's EEOC chair violated ethics rules halting LGBTQ cases; the Arizona attorney general is suing the government over a concentration camp in Surprise AZ; Kegseth has fired the Stars and Stripes Press ombudsman; the DOJ has arrested a soldier that placed a Polymarket bet on Maduro's capture before it went down; National Science Board members have been fired by the administration; crypto investor Justin Sun is suing Trump's crypto company for misconduct; a gunman rushed the magnetometers at the White House Correspondents Dinner; a millionaire big game hunter was trampled and killed by elephants; and Allison and Dana deliver your Good News. Thank You, DeleteMe Get 20% off your DeleteMe plan when you go to joindeleteme.com/DAILYBEANS and use promo code DAILYBEANS at checkout. Thank You, Boxiecat For a limited time, get 30% off your order when you head to Boxiecat.com/DAILYBEANS and use code DAILYBEANS. The Daily beans is donating $10,000 and invites you to give what you can to support their life-affirming work - Donate to It Gets Better / The Daily Beans Fundraiser The Latest Breakdown:Anonymous Republicans in Congress are Pushing for a Pardon for Ghislaine Maxwell StoriesNational Science Board members dismissed by Trump | The Washington Post Exclusive: US EEOC Chair violated ethics rules halting LGBTQ cases, complaint alleges | Reuters Soldier who made $400K betting on Maduro's removal makes 1st court appearance | ABC News Crypto investor Justin Sun sues Trump's World Liberty Financial over ‘misconduct' | MS NOW Pentagon Fires Stars and Stripes Newspaper's Ombudsman | The New York Times Trump Cancels Witkoff and Kushner's Trip for Iran Talks, Saying, ‘We Have All the Cards.' | The New York Times Another 'Epstein Binders': White Nationalists Mock MAGA Spin on SPLC Indictment | Hate Comes to Main Street Good Trouble Check out represent.us They have a handy guide: How to Take Effective Political Action Reading through that can make you feel more confident in the political action you take. →FieldTeam6.org →Palmetto State Abortion Fund - Midland Gives →2026 Primary Election Calendar: All the Dates Ahead of Midterms →Standwithminnesota.com →Tell Congress Ice out Now | Indivisible, Defund ICE | 5Calls →Congress: Divest From ICE and CBP | ACLU →ICE List →iceout.org Good NewsNetwork NOVA Email Dana LGBTQ Owned eating establishments in your area - hello@mswmedia.com Subject: “Dana's Project” →Share your Good News & Good Trouble - The Daily Beans →Beans Talk audio -beans-talk.simplecast.com Subscribe to the MSW YouTube Channel - MSW Media - YouTube Harry Dunn is running for CongressHarry Dunn for Maryland Our Donation Links The Daily beans is donating $10,000 and invites you to give what you can to support their life-affirming work - Donate to It Gets Better / The Daily Beans Fundraiser Pathways to Citizenship link to MATCH Allison's Donationhttps://crm.bloomerang.co/HostedDonation?ApiKey=pub_86ff5236-dd26-11ec-b5ee-066e3d38bc77&WidgetId=6388736 Join Dana and The Daily Beans with a MATCHED Donation http://onecau.se/_ekes71 More Donation LinksNational Security Counselors - Donate, ActBlue.com/donate/msw-bwc, WhistleblowerAid.org/beans Dr. Allison Gill - The Breakdown | Allison Gill, Mueller, She Wrote @muellershewrote.com - Bluesky, MSW & The Daily Beans Podcast @muellershewrote - Instagram, MSW Media - YouTube →Federal workers - email AG at fedoath@pm.me and let me know what you're going to do, or just vent. I'm always here to listen. Dana Goldberg - Dana is on Patreon! At Dana's Dugout, @dgcomedy - Bluesky, @dgcomedy - IG, Dana Goldberg - Facebook, DanaGoldberg.com More from MSW Media - Shows - MSW Media, Cleanup On Aisle 45 pod, The Breakdown | Allison Gill Reminder - you can see the pod pics if you become a Patron. The good news pics are at the bottom of the show notes of each Patreon episode! That's just one of the perks of subscribing! patreon.com/muellershewrote Listener Survey:http://survey.podtrac.com/start-survey.aspx?pubid=BffJOlI7qQcF&ver=shortFollow the Podcast on Apple:https://apple.co/3XNx7ckWant to support the show and get it ad-free and early?https://patreon.com/thedailybeanshttps://dailybeans.supercast.com/https://apple.co/3UKzKt0 Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.
U.S. Special Forces soldier Gannon Ken Van Dyke has been charged with “unlawful use of confidential government information for personal gain” among other charges for placing several bets regarding the capture of Nicolas Maduro. It may surprise you to hear President Trump’s reaction to Van Dyke’s arrest and the fact that the White House has had to warn its employees to avoid making bets on the Iran War.” See omnystudio.com/listener for privacy information.
Patrick Bet-David, Tom Ellsworth, Adam Sosnick, Ilan Srulovicz and Vincent Oshana break down Trump's explosive "Shoot & Kill" order directing the U.S. Navy to open fire — without hesitation — on Iranian boats laying mines in the Strait of Hormuz, which carries 20% of the world's oil supply. Then, the mystery deepening around at least 11 dead or missing American scientists tied to NASA, Los Alamos, nuclear weapons, and classified defense programs — Trump himself said "it's pretty serious stuff" after being briefed by the FBI. And the story nobody saw coming: a Special Forces soldier who helped plan and execute Operation Absolute Resolve — the raid that captured Maduro — was just indicted for allegedly betting $400K on Polymarket that it would succeed.------
U.S. Special Forces soldier Gannon Ken Van Dyke has been charged with “unlawful use of confidential government information for personal gain” among other charges for placing several bets regarding the capture of Nicolas Maduro. It may surprise you to hear President Trump’s reaction to Van Dyke’s arrest and the fact that the White House has had to warn its employees to avoid making bets on the Iran War.” See omnystudio.com/listener for privacy information.
U.S. Special Forces soldier Gannon Ken Van Dyke has been charged with “unlawful use of confidential government information for personal gain” among other charges for placing several bets regarding the capture of Nicolas Maduro. It may surprise you to hear President Trump’s reaction to Van Dyke’s arrest and the fact that the White House has had to warn its employees to avoid making bets on the Iran War.” See omnystudio.com/listener for privacy information.
Alan's Soap https://AlansSoaps.com/ToddHonor John's memory and the legacy he created for Ian and Alan with Alan's Artisan Soaps “John's Favorites” bundle. Get one bar of each of his favorites for only $28.99. Bulwark Capital https://KnowYourRiskPodcast.comBe confident in your portfolio with Bulwark! Schedule your free Know Your Risk Portfolio review. Go to KnowYourRiskPodcast.com today. Renue Healthcare https://Renue.Healthcare/ToddYour journey to a better life starts at Renue Healthcare. Visit https://Renue.Healthcare/Todd Bonefrog https://BonefrogCoffee.com/ToddGet the new limited release, The Sisterhood, created to honor the extraordinary women behind the heroes. Use code TODD at checkout to receive 10% off your first purchase and 15% on subscriptions. LISTEN and SUBSCRIBE at:The Todd Herman Show - Podcast - Apple PodcastsThe Todd Herman Show | Podcast on SpotifyWATCH and SUBSCRIBE at: Todd Herman - The Todd Herman Show - YouTubeThe Bible Predicted The Southern Poverty Law Center when God Warned Us About Kings - Faith & FlagBREAKING: Acting AG Blanche and FBI Director Patel announce a grand jury has INDICTED leftist NGO Southern Poverty Law Center on 11 COUNTS. This is MASSIVE!A haggard John Brennan says he's “dismayed and disappointed” by the investigation into the Russia Hoax. “Part of this is, to harass, to try to hurt individuals, reputationally, professionally, financially." Unfreakingreal. A Biblical Argument Against NGOs - Faith & Family HOLY CRAP! Trump Interior Sec. Doug Burgum just revealed he found NGOs where up to 100% PERCENT of their revenue was the federal government… ...and their CEO would make $650K a YEAR, and pay lobbyists $400K.The Supreme Court just ruled parents ARE allowed to opt their children out of being indoctrinated with LGBTQ+ propaganda HUGE WIN for religious liberty! Government Schools were attempting to EXPEL CHILDREN for this.The Democrat Party is Electing People to Eternal Hell - Faith & FactsTEXAS SENATE RACE: Democrat pastors like James Talarico (CIS) and Bishop Yvette Flunder believe the New Testament is not the word of God and call for a “Third Testament” to address “problematic” and “bad theology” in the existing scriptures. - Yvette A. Flunder is an American womanist, preacher, pastor, activist, and singer from San Francisco, California. She is the senior pastor of the City of Refuge United Church of Christ in Oakland, California, and Presiding Bishop of The Fellowship of Affirming MinistriesA UK Christian Pastor will face TRIAL this week for preaching a gospel message based on John 3.16 near a general hospital. He is accused of attempting to “influence” people accessing abortion.
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