Podcasts about 450k

Learn the one thing that you can change in your business to increase revenue. Thanks for Listening! EVENTS: Click here for Profit Accelerator LIVE! https://www.profitacceleratorlive.com Lawn & Landscape Technology Conference https://bit.ly/4ivsCNH CONTACT ME: lawncarerookie@gmail.com PODCAST SPONSOR: Click here for Toro Fleet Promo! Click here for Horizon360 Promo! Click here for Toro Mowers Promo! Click here for Toro American Hero Program! EQUIPMENT: Here's the mic recorder that I use for Truck Talks ReMarkable Tablet... for planning, note taking, and giving presentations! Check out Riverside... What I use for recording video and audio! RESOURCES: "How to Not get crushed by the Spring Rush" FREE Masterclass Download the 5 Costly Mistakes In Business Here! "How To Avoid Burnout"- FREE Masterclass LCR Media Network Free Community Proper Watering Templates Route Density System *THANK YOU TO THE TORO COMPANY FOR SPONSORING THE LCR MEDIA PODCAST!  

In a fun first for the show, Sarah Bowen takes the host chair to interview Jon Merwarth of Thrive Point Consulting — and Jacob just sits back and listens. Jon spent seven years leading a pregnancy center in Pennsylvania's Lehigh Valley, growing its budget from $450K to $1.7 million before launching Thrive Point to help centers nationwide. Drawing on a corporate sales background, a dozen years as an entrepreneur, and his own abortion experience as a teenager, he brings a rare blend of business rigor and ministry heart to the conversation.Together, Sarah and Jon dig into:How the Dobbs decision created new pressure on centers in blue states — and how Jon's center beat back local ordinances aimed at shutting them downWhy the Pennsylvania Pregnancy Wellness Collaborative gave centers a unified voice with policymakersMaternal health deserts and the "county maternal health intelligence brief" — using real data on transportation, Medicaid, and OB access to bridge the gapsThe business pitfalls that quietly sink centers: weak culture, no succession plan, financial blind spots, and fear of riskWhy "raise more money" is usually the wrong answer — and what to fix firstA string of jaw-dropping stories of provision behind their maternity home (you'll want to hear the $250,000 knock on the door)Practical, candid, and faith-filled — with a few laughs about rural internet along the way.Learn more about Jon's work at thrivepointconsulting.org.Send us Fan MailSupport the show

Jeff Dudan's free digital copy of his book What does it actually take to walk away from a $450K career, build something meaningful, and perform at the highest level without burning out? In this episode of the Unemployable Podcast, host Jeff Dudan sits down with high performance coach Kristy Kuhl - former medical sales executive turned executive coach, speaker, and host of the Keep Rising Podcast. Kristy shares the exact moment Tony Robbins' phrase 'success without fulfillment' changed her life, why she Googled the word 'fulfillment' under a conference table, and how she walked away from a $450,000 income with no plan, no website, and no business cards - and built a thriving coaching practice from scratch. Together Jeff and Kristy unpack the most important frameworks for high performance, including: ✅ The Personal & Professional Scorecard system for daily clarity and decision-making ✅ Why 80% of coaching clients are working on the wrong problem entirely ✅ The Zone of Genius framework and how it eliminates burnout ✅ Why your environment is either fueling or draining your performance ✅ The 'Chicken List' strategy for doing your hardest calls at peak physiology ✅ What a death doula's research on 2,000 deaths reveals about regret and action ✅ How masterminds and peer rooms compress 12 years of learning into 12 hours ✅ The single trait that separates top 5% performers from everyone else ✅ Why radical honesty with yourself is the foundation of every business breakthrough ✅ How to use Human Design to understand how you make decisions Whether you're a franchise owner scaling your business, a corporate executive considering a leap, or an entrepreneur trying to get out of your own way - this conversation is packed with honest, actionable insight that will shift how you think about success, fulfillment, and performance.  Guest: Kristy Kuhl  Guest YouTube: https://www.youtube.com/@kristy_kuhl  Guest Website: https://kristykuhl.com/  Guest Socials: https://www.instagram.com/kristy_kuhl/  #HighPerformance #ExecutiveCoaching #BusinessGrowth #Entrepreneurship #Mindset #FranchiseBusiness #LifeCoaching #PersonalDevelopment #UnemployablePodcast #KeepRising Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Jeff Dudan's free digital copy of his book What does it actually take to walk away from a $450K career, build something meaningful, and perform at the highest level without burning out? In this episode of the Unemployable Podcast, host Jeff Dudan sits down with high performance coach Kristy Kuhl - former medical sales executive turned executive coach, speaker, and host of the Keep Rising Podcast. Kristy shares the exact moment Tony Robbins' phrase 'success without fulfillment' changed her life, why she Googled the word 'fulfillment' under a conference table, and how she walked away from a $450,000 income with no plan, no website, and no business cards - and built a thriving coaching practice from scratch. Together Jeff and Kristy unpack the most important frameworks for high performance, including: ✅ The Personal & Professional Scorecard system for daily clarity and decision-making ✅ Why 80% of coaching clients are working on the wrong problem entirely ✅ The Zone of Genius framework and how it eliminates burnout ✅ Why your environment is either fueling or draining your performance ✅ The 'Chicken List' strategy for doing your hardest calls at peak physiology ✅ What a death doula's research on 2,000 deaths reveals about regret and action ✅ How masterminds and peer rooms compress 12 years of learning into 12 hours ✅ The single trait that separates top 5% performers from everyone else ✅ Why radical honesty with yourself is the foundation of every business breakthrough ✅ How to use Human Design to understand how you make decisions Whether you're a franchise owner scaling your business, a corporate executive considering a leap, or an entrepreneur trying to get out of your own way - this conversation is packed with honest, actionable insight that will shift how you think about success, fulfillment, and performance.  Guest: Kristy Kuhl  Guest YouTube: https://www.youtube.com/@kristy_kuhl  Guest Website: https://kristykuhl.com/  Guest Socials: https://www.instagram.com/kristy_kuhl/  #HighPerformance #ExecutiveCoaching #BusinessGrowth #Entrepreneurship #Mindset #FranchiseBusiness #LifeCoaching #PersonalDevelopment #UnemployablePodcast #KeepRising Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Shawn Black built one of the most successful boudoir studios in the US — photographing over 125 clients a year and generating close to $450K in revenue at its peak. But when bookings dropped by nearly 50%, it forced a shift in how he approached marketing, sales, and client experience. In this interview, Shawn shares what's changed, what's no longer working, and how he's adapting to keep his business profitable — while increasing his average sale. The post 668: Shawn Black – Boudoir Photography Business, Pricing & IPS Strategy appeared first on Photography Business Xposed - Photography Podcast - how to build and market your portrait and wedding photography business.

AJ started like most owners, doing everything himself and growing to around $120K. Today, he's built a $450K+ business with systems in place that don't rely on him to run it.Get off the truck & scale to 500k+ inside the Get Off The Truck Accelerator Start with the book, Get Off The TruckFollow HSBC Social's:Facebook | Instagram | YouTube | HSBC Accelerator | Jobber | Home Service Business Coach Email: info@homeservicebusinesscoach.com

In this episode of the MeaningfulMoney Q&A, Pete and Roger answer six listener questions covering a wide range of personal finance topics. We tackle a tricky inheritance tax situation involving a property bought in children's names, look at pension and ISA options for a daughter likely to spend her career working outside the UK, and offer some perspective on balancing financial sensibility with life's genuine passions. We also cover whether a minimal LISA contribution strategy actually works, how to manage the transition from 100% equities to a retirement asset allocation in the years before you stop work, and what income protection options exist for a young professional wanting to guard against long-term illness or injury. Shownotes: https://meaningfulmoney.tv/QA45  02:20  Question 1 Hello Peter and Roger (without a D) I am so pleased I discovered your podcast a few months ago, since then your words of wisdom accompany me on my daily dog walks and I have become the annoying older colleague in the office telling the younger colleagues about the power of compounding and contributing to the pension scheme. I have a rather unusual query I would really appreciate your view on and maybe the potential pitfalls we are experiencing would be of interest to other listeners as I have read lots of questions on-line about potential benefits of putting property in children's names. My parents retired to Spain 25 years ago, they cash-purchased a UK flat for when they come back 10 years ago. In a bid to avoid inheritance tax they bought this in mine and 3 siblings names (all in our late 40/early 50s). They did not seek professional  advice, just assuming it was the right thing to do, which could be the morale of the story. Sadly my Dad recently died and as executor of his will I have been looking into the UK assets. I realise now that this cunning plan does not work, as they regularly stay in the flat without paying rent. Therefore, it is classed as gift with reserved benefits and still included in the estate. However this is not an issue as they are well below the IHT threshold. The question I have relates to the future financial position that I think they have inadvertently created. My mum wants to sell up in Spain buy a house in the UK and then either rent the flat for some more income or potential sell it. But how does this work if the property is in our names? Can she legitimately take rent (with our permission) without it having income tax implications on us (I am higher rate so do not want this!). If she wants to sell it I assume it will be sales to us siblings so we will pay capital gains (but what rate? we are a mix of tax brackets and one of my sisters doesn't own another house.) She says she might be best just transferring into her name, but I don't think it will be that easy and we will still be liable for capital gains as it will effectively be a sale to her. Is there something we have missed here and is it something we should be concerned about? Or is it OK to leave as is and let her keep to draw down income. Could it be the right thing to do and having the property in our names be simpler to resolve when she dies? I am hoping your soothing Yorkshire/Cornish tones can reassure me all will be OK. Vicky a faithful listener.   11:24  Question 2 Hi Pete and Rog I only discovered the podcast fairly recently, but have been following your web-based lessons on Meaningful Money for a while (and have read the books). I am really loving the podcast - so many back episodes to listen to! Super-informative, and your dulcet tones are also very soothing! My question is to do with advice for an adult child who is likely to spend her career working outside the UK. My husband and I are both late 50s and technically have reached FIRE (years of finance-nerdery despite relatively low incomes) but I am still doing consultancy because I quite enjoy it. Our older three children are all getting established in their careers, and I've brainwashed/ educated them in the ways of financial sensibleness, so they're all set up with emergency funds/S&S ISAs/employer pensions/SIPPS. Our youngest daughter is studying at university in Poland (the kids and I all have dual Polish/UK citizenship, as my mum was Polish). This means my daughter can work anywhere in the EU, and although she will always have strong ties to the UK, it's looking as if she is more likely to work outside the UK once she graduates in summer 2026. This opens up a whole new world of options in terms of setting her on a path to financial security, and there's quite a lot of conflicting information  - I would really appreciate some input on what are likely to be the best options for someone in this situation. At the moment she's 'ordinarily resident' in the UK, on the electoral roll etc., but doesn't have any UK income. Can she make pension contributions in the UK even if she's working elsewhere? I assume she still has an ISA allowance if she's a UK citizen working abroad, but a LISA would make less sense if she's not likely to buy a UK property? I am self-employed via a limited company and she has occasionally done bits of tech support for me, so she could register as self-employed in the UK and bill me for that - would that count as UK employment? My accountant is super-scrupulous, so I'm not interested in anything that might be sailing even vaguely close to the wind in HMRC terms. I would appreciate any thoughts on this perhaps slightly non-standard situation, although I assume there must be quite a few other people out there with dual UK/EU citizenship who might be facing similar questions? Many thanks, Felicia 19:06  Question 3 Dear Pete and Roger. I listen to your podcast all the time and it keeps me right. It has really helped me navigate my financial literacy or lack thereof. I am now in a situation where I have much better understanding of what I need to be doing with my money, and have made sense of all financial decisions such as paying into my workplace pension, owning my own home, and I have a recently paid job and some side projects which earn me a little. My question is, I think, a search for a validation of my life choices! Basically, despite having a good job and owning my own home outright, I am still struggling to budget every month. This is because I have made a terrible financial decision of owning two horses. These horses are my pride and joy, but the financial strain of it does make me feel guilty in terms of the distribution of spending between me and my husband. I spent about 600 a month on the horses, give or take a bit each month. Do you have any words of wisdom about how to balance being sensible with money Vs 'investing' in my life passions? I don't think I'll ever give up the horses, so it's more about whether I continue to stress about it or not. Many thanks for your wisdom as always Josie   25:20 Question 4 Thank you for all the great content! I have a LISA question for the podcast in relation to my 25 year old son? He currently lives with me in SW London and is saving to buy his own place. I love having him stay and I am in no rush for him to move out. He/we decided not to go with a LISA because he is likely to buy a property in or around London and we are concerned about the £450K cap which I believe has remained fixed since 2017. He is very motivated, ambitious and hard working and has already had several promotions with an opportunity to work in the US next year. He has already saved £50K for a deposit and I intend helping him too. He is not in a rush to buy as it feels like the property market is no longer running away from him.  He told me he thinks it makes more sense to enter the property market on the second rung of the ladder rather than the first as it costs so much to move with stamp duty, fees etc. So perhaps a 2 bed in a nice(ish) area rather than a starter home (and renting the second bedroom to a friend). I think I agree with him, especially if he ends up working in the US for an unknown period of time.  A 2 bed in a nice(ish) area where he actually wants to live would cost more than the £450K cap which is why we are reluctant to use the LISA for saving for his first home (I understand it can also be a pension investment but he is already contributing to his workplace pension). However, I have in my head a bug that says he can put minimal contributions into a LISA each year (say £5) which he could top up retrospectively if he changes his mind and does find somewhere to buy for under £450K. Am I correct? Your thoughts would be much appreciated. Michelle 29:04 Question 5 Hi Pete and Roger Thanks so much for all the work you do, I've only found the podcast recently but already enjoying learning more and thinking about things differently. My question relates to saving for retirement and specifically the period leading up to retiring.  Nearly all of our (mine and my husband's) pensions are in SIPPs where we have been happy to be 100% equity, in global index funds. We are now maybe 7-10 years from the point where we could retire, and I've been able to research withdrawal strategies to the point where I'm confident managing that when we get there.  We have determined our target asset allocation split between equities / bond funds / individual gilts and money market funds for the start point of retirement. I haven't been able to find much information about the period of transition from 100% equity to the asset allocation we want in place for the start of retirement.  Obviously it's a balance between reducing exposure to volatility as we approach retirement and accepting a drag on the portfolio caused by the increasing allocation to cash and bonds and my instinctive (but not evidence-based!) approach would be to gradually move from one to the other over a number of years. So my question is this - is there a better approach than just a straightline shift from one to the other?  How far out from retirement is it appropriate to start making the transition?  The best advice I can find online is just to pick whatever makes you feel comfortable and do that but surely there must be some more robust guidance out there?  I appreciate it might not be a one size fits all answer but would appreciate your thoughts on how to approach this. The one piece of advice I do seem to have found is that however we decide to do it, to stick to a predetermined schedule to avoid temptation to try to time the market - does that sound sensible or have I missed the mark on that? Thanks so much for any help you can give. Fran   35:26  Question 6 Hey Pete & Roger, Thank you for the great podcast! I have a question about income protection insurance. I'm quite young (25 - probably among your youngest listeners!), no dependents, renting with my partner, and am fortunate enough to have a well paid job and a promising future career. I recognise that my biggest asset is my future earning potential and would like to protect that in case of the worst. I have a 6 month emergency fund, healthy amounts (for my age) invested across ISAs and pensions, and my work offers 50% loss of income protection for accident or illness for 3 years, which is all great. My question is - to what extent should I think about trying to protect against the tail risk of not being able to work for >3 years, possibly till pension age? This is of course quite unlikely, but would be very detrimental if it were to occur - the exact sort of place where insurance would make sense. However I can't seem to find any insurance policies with such a long deferral period and I can't "double up" by having a shorter referral period. So, do such products exist, and if not are there any alternatives other than just accepting that risk and re-evaluating if and when my circumstances change? Is this even a reasonable risk to be thinking about, or is it overkill? Is there anything I should think about that I may be missing? Many thanks, Sarah *Affiliate - https://meaningfulmoney.tv/lifesearch 

Folge 249: In dieser Folge begrüße ich Yasemin Saygaz, Teamleiterin bei Kaarisma, die als 2-fache Mutter in einer 30-Std.-Woche beeindruckende 450k Euro Eigenumsatz erzielt und gleichzeitig ihr Team zu 150 % Zielerreichung führt. Wir beleuchten ihren Weg von der Junior-Beraterin bis zur Führung von Teams mit über 40 Personen und sprechen darüber, wie radikale Priorisierung und der Fokus auf ‚nach am Geld‘ liegende Aktivitäten diesen Erfolg in Teilzeit ermöglichen. Yasemin teilt ihre Strategien zur dreifachen Spezialisierung im Healthcare- und Beauty-Markt und erklärt, warum bei ihr jedes 5te Profil über systematische Empfehlungen generiert wird. Ein zentrales Thema ist die Führung durch Vorbildfunktion: Yasemin bleibt bewusst operativ aktiv, um Markttrends hautnah zu erleben und ihre Junior-Berater authentisch zu coachen. Wir diskutieren den mutigen Schritt #Back to the Basics‘ für Führungskräfte und wie man durch Leidenschaft und eine starke interne Infrastruktur die Balance zwischen High Performance und Familienleben meistert. Diese Folge ist ein Kraftpaket für alle, die Skalierung, operative Exzellenz und persönliche Ambitionen vereinen wollen.

Most people with a full-time job, 14-hour shifts, and zero business experience don't start a brand — Jesse did, and he's closing in on half a million dollars a year to prove it. After 16 years working in the mining industry, Jesse knew the gear handed to workers on site was genuinely not fit for purpose. So he did something about it, building Wolf Workwear — durable, functional workwear for heavy industries — one hour at a time between fly-in, fly-out shifts. He still hasn't quit his day job. He's doing it anyway. In this episode, Jesse gets brutally honest about what those first two and a half years actually looked like — overspending $40-50K on a launch, building 4,000 Instagram followers who had zero intention of buying anything, and the UGC pivot that changed everything overnight. What you'll learn in this interview: Why 4,000 followers didn't translate to sales — and the critical difference between an engaged audience and a buying one How Jesse validated his product idea by handing samples to his workmates on site before ever building a brand The real cost of launching with too much conviction: a $40-50K first run and what he'd do differently How to build a business on 1-2 hours a day while working 14-hour shifts — and where to spend that time first Why switching from static product shots to UGC ads was an overnight game changer for paid performance How to find and iterate products on Alibaba without a design background — function and comfort as your only brief The B2B opportunity hiding inside a D2C brand, and how supplying mining companies unlocked a second revenue stream Why disappointing a customer hurts more than any slow sales period — and what that tells you about building a brand worth caring about The honest maths behind staying in your day job longer than everyone says you should What it actually feels like to build something from nothing when nobody's watching yet If you're trying to build something real around a full-time job and wondering whether it's worth the grind — this episode will change how you think about time, patience, and what early traction actually looks like. Jesse's story is proof that you don't need the perfect conditions. You just need to start. SAVE 50% ON OMNISEND FOR 3 MONTHS Get 50% off your first 3 months of email and SMS marketing with Omnisend with the code FOUNDR50. Just head to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://your.omnisend.com/foundr⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to get started. WANT TO GROW YOUR BRAND WITH META ADS? Join the Foundr Operators Waitlist → ⁠⁠https://foundr.com/operators⁠⁠ HOW WE CAN HELP YOU SCALE YOUR BUSINESS FASTER Learn directly from 7, 8 & 9-figure founders inside Foundr+ Start your $1 trial → ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.foundr.com/startdollartrial⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ PREFER A CUSTOM ROADMAP AND 1-ON-1 COACHING? → Starting from scratch? Apply here → ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://foundr.com/pages/coaching-start-application⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ → Already have a store? Apply here → ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://foundr.com/pages/coaching-growth-application⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ CONNECT WITH JESSIE LIM Instagram → ⁠⁠https://www.instagram.com/wolf_workwear/ Website → ⁠⁠https://wolfworkwear.com/ FOLLOW FOUNDR FOR MORE BUSINESS GROWTH STRATEGIES YouTube → ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://bit.ly/2uyvzdt⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Website → ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.foundr.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Instagram → ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.instagram.com/foundr/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Facebook → ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.facebook.com/foundr⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Twitter → ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.twitter.com/foundr⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ LinkedIn → ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.linkedin.com/company/foundr/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Podcast → ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.foundr.com/podcast⁠

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FREE AIO AUDIT - Why is your business not being found on ChatGPT? - Click Here to get a Free Audit In this episode, we sit down with Sam Wood (CEO & Founder of Azura Fashion Group), recently ranked Top 10 in Australia's eCommerce leaders to break down how he built a global luxury fashion business:

In the latest episode of Tom's World of Marketing, I sat down with Dawn Apuan, founder of Copy Queens, who went from ministry work and nonprofit leadership to becoming a powerhouse copywriter helping businesses generate sales—sometimes within 24 hours.  Her journey started with one powerful moment. After being told she had to put her daughter in daycare and questioning her future, Dawn made a decision: "I will figure this out." That decision led her into digital marketing… and eventually to mastering the psychology behind persuasive copy. Insights she shared: Great marketing triggers five key neurochemicals in the brain: Cortisol – grabs attention by identifying the problem Dopamine – gives the audience hope and aspiration Oxytocin – builds trust and authority Serotonin – creates empathy and connection Endorphins – delivers relief and the feeling of resolution  When your message follows that sequence, your audience naturally moves toward action. We also talk about: How small copy changes can dramatically increase conversions Why most marketers miss the most important emotional trigger The surprising connection between faith, neuroscience, and storytelling And one wild example: A client changed just two elements on a sales page and increased revenue from $45K to $450K. Listen to the full episode of Tom's World of Marketing to discover how better messaging can transform your marketing results.

What happens when the creator of Stack Overflow decides he's going to take on rural poverty with a guaranteed minimum income—and bankrolls it himself? Find out why Jeff Atwood believes AI and philanthropy might matter more to the American dream than any new software ever could. Hegseth gives Anthropic CEO until Friday to back down in AI safeguards fight Musk's xAI and Pentagon reach deal to use Grok in classified systems Anthropic Accuses Chinese Companies of Siphoning Data From Claude How will OpenAI compete? — Benedict Evans My first vibe coding project! Anthropic Links AI Agent With Tools for Investment Banking, HR THE 2028 GLOBAL INTELLIGENCE CRISIS QuitGPT is going viral — 700,000 users are reportedly ditching ChatGPT for these AI rivals IBM is the latest AI casualty. Shares tank 13% on Anthropic programming language threat OpenAI's first ChatGPT gadget could be a smart speaker with a camera ChatGPT spits out surprising insight in particle physics "Clavicular was mid jestergooning when a group of Foids came and spiked his Cortisol levels

What happens when the creator of Stack Overflow decides he's going to take on rural poverty with a guaranteed minimum income—and bankrolls it himself? Find out why Jeff Atwood believes AI and philanthropy might matter more to the American dream than any new software ever could. Hegseth gives Anthropic CEO until Friday to back down in AI safeguards fight Musk's xAI and Pentagon reach deal to use Grok in classified systems Anthropic Accuses Chinese Companies of Siphoning Data From Claude How will OpenAI compete? — Benedict Evans My first vibe coding project! Anthropic Links AI Agent With Tools for Investment Banking, HR THE 2028 GLOBAL INTELLIGENCE CRISIS QuitGPT is going viral — 700,000 users are reportedly ditching ChatGPT for these AI rivals IBM is the latest AI casualty. Shares tank 13% on Anthropic programming language threat OpenAI's first ChatGPT gadget could be a smart speaker with a camera ChatGPT spits out surprising insight in particle physics "Clavicular was mid jestergooning when a group of Foids came and spiked his Cortisol levels

What happens when the creator of Stack Overflow decides he's going to take on rural poverty with a guaranteed minimum income—and bankrolls it himself? Find out why Jeff Atwood believes AI and philanthropy might matter more to the American dream than any new software ever could. Hegseth gives Anthropic CEO until Friday to back down in AI safeguards fight Musk's xAI and Pentagon reach deal to use Grok in classified systems Anthropic Accuses Chinese Companies of Siphoning Data From Claude How will OpenAI compete? — Benedict Evans My first vibe coding project! Anthropic Links AI Agent With Tools for Investment Banking, HR THE 2028 GLOBAL INTELLIGENCE CRISIS QuitGPT is going viral — 700,000 users are reportedly ditching ChatGPT for these AI rivals IBM is the latest AI casualty. Shares tank 13% on Anthropic programming language threat OpenAI's first ChatGPT gadget could be a smart speaker with a camera ChatGPT spits out surprising insight in particle physics "Clavicular was mid jestergooning when a group of Foids came and spiked his Cortisol levels

What happens when the creator of Stack Overflow decides he's going to take on rural poverty with a guaranteed minimum income—and bankrolls it himself? Find out why Jeff Atwood believes AI and philanthropy might matter more to the American dream than any new software ever could. Hegseth gives Anthropic CEO until Friday to back down in AI safeguards fight Musk's xAI and Pentagon reach deal to use Grok in classified systems Anthropic Accuses Chinese Companies of Siphoning Data From Claude How will OpenAI compete? — Benedict Evans My first vibe coding project! Anthropic Links AI Agent With Tools for Investment Banking, HR THE 2028 GLOBAL INTELLIGENCE CRISIS QuitGPT is going viral — 700,000 users are reportedly ditching ChatGPT for these AI rivals IBM is the latest AI casualty. Shares tank 13% on Anthropic programming language threat OpenAI's first ChatGPT gadget could be a smart speaker with a camera ChatGPT spits out surprising insight in particle physics "Clavicular was mid jestergooning when a group of Foids came and spiked his Cortisol levels

What happens when the creator of Stack Overflow decides he's going to take on rural poverty with a guaranteed minimum income—and bankrolls it himself? Find out why Jeff Atwood believes AI and philanthropy might matter more to the American dream than any new software ever could. Hegseth gives Anthropic CEO until Friday to back down in AI safeguards fight Musk's xAI and Pentagon reach deal to use Grok in classified systems Anthropic Accuses Chinese Companies of Siphoning Data From Claude How will OpenAI compete? — Benedict Evans My first vibe coding project! Anthropic Links AI Agent With Tools for Investment Banking, HR THE 2028 GLOBAL INTELLIGENCE CRISIS QuitGPT is going viral — 700,000 users are reportedly ditching ChatGPT for these AI rivals IBM is the latest AI casualty. Shares tank 13% on Anthropic programming language threat OpenAI's first ChatGPT gadget could be a smart speaker with a camera ChatGPT spits out surprising insight in particle physics "Clavicular was mid jestergooning when a group of Foids came and spiked his Cortisol levels

What happens when the creator of Stack Overflow decides he's going to take on rural poverty with a guaranteed minimum income—and bankrolls it himself? Find out why Jeff Atwood believes AI and philanthropy might matter more to the American dream than any new software ever could. Hegseth gives Anthropic CEO until Friday to back down in AI safeguards fight Musk's xAI and Pentagon reach deal to use Grok in classified systems Anthropic Accuses Chinese Companies of Siphoning Data From Claude How will OpenAI compete? — Benedict Evans My first vibe coding project! Anthropic Links AI Agent With Tools for Investment Banking, HR THE 2028 GLOBAL INTELLIGENCE CRISIS QuitGPT is going viral — 700,000 users are reportedly ditching ChatGPT for these AI rivals IBM is the latest AI casualty. Shares tank 13% on Anthropic programming language threat OpenAI's first ChatGPT gadget could be a smart speaker with a camera ChatGPT spits out surprising insight in particle physics "Clavicular was mid jestergooning when a group of Foids came and spiked his Cortisol levels

If you're tired of getting silence after your investor pitch, this episode is your wake-up call. We're breaking down the real reason you're getting ghosted—and it's not your idea. It's how you handle the investor Q&A. Learn how to show up composed, confident, and ready to answer any investor question. Find out how to stop rambling under pressure, and get the exact system Jayla used to raise her first round as a pre-revenue cpg startup and later land a Shark Tank deal. Need help with Q&A? I created a tool for you (what I wish I had) to help you get fully prepared and crush that next investor meeting by having the answers investors are looking for.  https://seedmoney.mysamcart.com/deck-of-investor-ready-flashcards97 Topics Covered in this episode: Why investor silence usually has nothing to do with your idea The four make-or-break questions every founder must be ready to answer How to talk about your numbers—even if you're early stage Crafting a compelling "Why Now" narrative What to say when asked: "What stops someone from copying this?" How to address red flags before investors bring them up The mental trap of desperation and how to avoid it Practicing under pressure: the exact method Jayla used to land $450K and a Shark Tank deal Why the Q&A is more important than your pitch deck How physical flashcards can train your brain to stay calm and confident   About Your Host Jayla Siciliano is an entrepreneur with 25+ years in consumer brands, product, and marketing. After raising her first angel round against all odds and later appearing on Shark Tank, where she closed a deal with Mark Cuban, she now helps founders become fundable, confident, and ready to attract the right investors. Entrepreneurship changed her life, and she's on a mission to help first-time founders raise their first round of angel funding and change theirs too.   Disclaimer The information in this podcast is educational and general in nature and does not take into consideration the listener's personal circumstances. Therefore, it is not intended to be a substitute for specific, individualized financial, legal, or tax advice.

#332 | Dave is joined by Domi de Saint-Exupéry, CMO at Lemlist, a bootstrapped $40M ARR sales engagement platform, to break down exactly how she turned $1.2M in marketing spend into $31M in new ARR in 2025. Domi shares the full breakdown of every channel, agency, influencer strategy, and partnership play that drove results. This includes how they went from $0 to $500K in paid ads, why partnerships are the most underrated B2B growth channel, how they built a micro-influencer program, and what AI use cases are actually working (and which are overrated). If you want real numbers and real playbooks, this one's for you.Timestamps(00:00) - Introduction: $1.2M in spend, $31M in new ARR (03:36) - What Lemlist does and how the company got to $40M ARR (06:51) - Going from $0 to $500K in paid ads: what triggered the shift (11:06) - How to execute paid ads well: outsourcing vs. in-house, and scaling by channel (17:21) - LinkedIn ads creative: why "on-brand and safe" was the wrong approach (21:51) - Mistakes made in paid: Snapchat, Spotify, and channels that didn't work (25:21) - The micro-influencer playbook: how to find, brief, and measure creators (35:59) - How influencer content compounds with paid ads and outbound (the Julio story) (41:29) - Partnerships: why $450K went here and why it's the most underrated B2B channel (49:59) - AI in marketing: what's overrated (content generation) and what's actually working Join 50,0000 people who get Dave's Newsletter here: https://www.exitfive.com/newsletterLearn more about Exit Five's private marketing community: https://www.exitfive.com/***Brought to you by:Knak - A no-code, campaign creation platform that lets you go from idea to on-brand email and landing pages in minutes, using AI where it actually matters. Learn more at knak.com/exitfive.Optimizely - An AI platform where autonomous agents execute marketing work across webpages, email, SEO, and campaigns. Get a free, personalized 45-minute AI workshop to help you identify the best AI use cases for your marketing team and map out where agents can save you time at optimizely.com/exitfive (PS - you'll get a FREE pair of Meta Ray Bans if you do). Customer.io - An AI powered customer engagement platform that help marketers turn first-party data into engaging customer experiences across email, SMS, and push. Learn more at customer.io/exitfive.  ***Thanks to my friends at hatch.fm for producing this episode and handling all of the Exit Five podcast production.They give you unlimited podcast editing and strategy for your B2B podcast.Get unlimited podcast editing and on-demand strategy for one low monthly cost. Just upload your episode, and they take care of the rest.Visit hatch.fm to learn more

From $500 to an 8-Figure Portfolio with Andres Bernal In this powerful episode of the REIGN: Real Estate Investor Growth Network podcast, host Jen Josey sits down with Dominican-born investor and entrepreneur Andres Bernal. From landing in New York with just $500 to building a $12 million real estate portfolio, Andres shares the raw, unfiltered truth about what it takes to succeed in real estate investing. His journey from professional tennis player to full-time investor is packed with grit, resilience, and strategic growth. Andres dives deep into his early days of house hacking with an FHA loan, navigating immigration challenges, and learning hard lessons through tenant issues, failed flips, and even a $107,000 loss on a single deal. Rather than quitting, he used those setbacks as tuition in the "school of real estate." He explains how discipline from professional sports translated into business success—and why coaching, mentorship, and relationships are critical to long-term growth. The conversation covers multiple investing strategies, including Section 8 rentals, student housing near universities like Yale University and University of New Haven, and scaling a flipping business in a competitive market. Andres also shares why he's laser-focused on entry-level homes under $450K, how he flips 25–30 houses per year with zero marketing spend, and why predictable profits beat flashy luxury projects every time. 00:00 Welcome to REIGN: What to Expect From the Show 00:41 Jen's "Badassery Bestowment": 5 Time Management Hacks for Investors 03:49 Meet Andres Bernal: From $500 to an 8-Figure Portfolio 05:28 Starting Over in New York: The First Job Breakthrough 07:54 Legacy Pressure & Choosing Your Own Path 08:51 Tennis Lessons That Translate to Real Estate (and a $107K Loss) 10:48 Why Every Investor Needs a Coach (Even If It Pays Off Later) 12:18 First Deal in 2016: FHA House Hack, Tenant Stories, and Early Lessons 15:01 How to Buy Real Estate With Little/No Money: Creativity, Partners & Seller Finance 17:36 Immigrant Challenges, Visas, and Building Trust in Business 21:24 The Messy Middle: Cash-for-Keys, Contractor Stress, and Outworking the Market 24:21 Section 8 Reality Check: Inspections, Rent Growth, and Common Myths 27:40 How to Place Section 8 Tenants + The "More Bedrooms" Rent Hack 29:55 Student Housing 101: Leasing Cycles, Parents Co-Sign, and Maintenance Strategy 32:05 One Lease, One Team: Avoiding Room-by-Room Drama in Student Rentals 33:31 Student Rentals: Regulation Risks, Vacancy, and Why Demand Still Wins 35:39 How to Pick a Winning Student Rental: Walkability + Enrollment Growth Data 37:30 Scaling Up Flips: 25+ Deals a Year and Why Liquidity Matters 40:59 Finding Deals & Defining the Buy Box: MLS vs Wholesalers vs Relationships 42:16 Why Entry-Level Flips Beat Luxury: Faster Sales, Lower Holding Costs, "Hotel" Deals 47:42 The $107K Loss Breakdown: Auction Mistakes, Barn Decision, and High Water Table Hell 51:18 Where to Follow Andres + The "BADASS" Lightning Round (Books, Advice, Drive, Goals) 56:11 Systems, Success, and Closing: Morning Routine, Team Leverage, Book Plug & Farewell 5 Key Takeaways from This Episode Start Small, Think Big: Andres house hacked his first triplex using an FHA loan and a small family loan—proving you don't need massive capital to get started in real estate investing. Relationships Beat Marketing: He flips 25–30 properties per year with $0 in marketing by nurturing agent and wholesaler relationships and consistently submitting 20–25 offers per week. Section 8 Is Not "Guaranteed" Money: While Section 8 can provide steady rent and annual increases, landlords must pass inspections and adapt to evolving regulations to protect cash flow. Student Housing Is a Hidden Goldmine: By targeting universities with growing enrollment and staying within walking distance, Andres creates high-demand rentals with parent co-signers and predictable income. Predictable > Flashy: Entry-level homes under $450K generate more consistent profits and faster exits than luxury flips in today's higher-interest-rate market. Guest Bio: Andres Bernal Andres Bernal is a Dominican-born real estate investor, entrepreneur, and founder of Sky Circle Homes. A former professional tennis player, Andres immigrated to the United States with just $500 and built an 8-figure real estate portfolio through house hacking, strategic flipping, and long-term rental acquisitions. Since purchasing his first property in 2016, Andres has completed more than 50 flips, owns 60+ rental units across Section 8, student housing, and traditional rentals, and has grown a $12 million portfolio with over $5 million in net equity. He is passionate about helping first-time investors, immigrant entrepreneurs, and aspiring real estate professionals build wealth through smart, relationship-driven investing.

What happens when a podcast that is already working gets refined with clarity, strategy, and the right support? If you have some traction but feel like you are leaving growth, income, or impact on the table, this episode will show you what is possible when you stop doing it alone and start building with intention. In this conversation, we share what changed when Nick and Haley made one strategic decision to niche down and refine their message inside Podcast to Profit. Through a focused rebrand, clearer copy, and a successful live launch, they gained direction and scalability. By using podcasting and email together, they grew to nearly half a million downloads and generated $18K in revenue. As you listen, put yourself in their seat. Imagine what could happen if you optimized what you already have, clarified your message, and made one aligned decision instead of ten scattered ones. This episode is meant to inspire you to see that this kind of growth is possible for you, too. I pray this blesses you!   Ready to Start or Grow Your Business and Make Consistent Income From a Podcast?  Join my FREE, LIVE 5-Day Profitable Podcast Bootcamp! Discover a simple, God-led way to use a podcast to create sustainable income and meaningful impact—without hustling or being glued to social media.

Send a textIn this episode of Deconstructing Comp, Yvonne Guibert and Rafael Gonzalez welcome Tammy Boyd, newly appointed President of Kids' Chance of Florida, for a meaningful conversation centered on service, leadership, and the life-changing impact of educational scholarships for children affected by workplace injury or fatality. Tammy shares how her career in workers' compensation shaped her understanding of the human ripple effects of injury, and why Kids' Chance became a mission she felt called to lead.The discussion highlights the heart of Kids' Chance of Florida's work: providing hope, stability, and educational opportunity for children whose families have experienced devastating loss because of a work-related injury, or in some cases, a death. Tammy reflects on the organization's impact, the stories behind the scholarships, and the collective effort required to sustain and grow the program. She also explains how the Florida chapter fits into the broader Kids' Chance of America network, which supports students nationwide through locally driven chapters united by a shared mission.Throughout the episode, Tammy emphasizes that Kids' Chance is more than a charity; it is a long-term investment in people and communities. She offers a call to action for the workers' compensation community to get involved, reminding listeners that behind every claim is a family whose future can be profoundly changed through education. This episode is a powerful reminder that when an industry comes together in service, its impact reaches far beyond the system itself.Tammy shared that the Florida chapter started in 2015, and to date, has awarded over 100 scholarships totaling over $450K in support of students impacted by workplace injury. At the national level, Kids Chance of America has helped more than 11,000 students with over $42 million in scholarships through its network of 50 chapters, one in every state in the US. Upcoming Kids' Chance of FL events:Flagship event: WCI Golf Tournament (August 23, 2026)Breaking news! New for 2026: 2 golf sessions will be available5K Fun Run in South Florida (coming soon!)For more information and to find a chapter in your state, please visit https://www.kidschance.org/¡Muchas Gracias! Thank you for listening. We would appreciate you sharing our podcast with your friends on social media. Find Yvonne and Rafael on Linked In or follow us on Twitter @deconstructcomp

While maternal health has traditionally been central to research on pregnancy and child development, there is growing recognition that paternal factors also play a role, particularly the father's age. Several studies have found a modest increase in risk of neurodevelopmental conditions, including autism spectrum disorder, among children born to older fathers. However, the biological mechanisms underlying this association are still not fully understood. One emerging explanation involves epigenetics, chemical modifications that influence how genes are expressed without altering the underlying DNA sequence. Among these is DNA methylation. Earlier studies have suggested that sperm from older men may carry age-related changes in DNA methylation, but few have explored these patterns on a genome-wide scale or focused specifically on regions that are most likely to influence offspring development. The Study: Exploring Age-Dependent Methylation at Imprint Control Regions in Human Sperm In a study, titled “Age-specific DNA methylation alterations in sperm at imprint control regions may contribute to the risk of autism spectrum disorder in offspring,” published in Aging-US and selected as the Editors' Choice for January, 2026, researchers investigated how DNA methylation patterns in sperm change with age. The study was led by first authors Eugenia Casella and Jana Depovere, with corresponding author Adelheid Soubry from the University of Leuven. Full blog - https://aging-us.org/2026/02/epigenetic-changes-in-sperm-may-explain-association-between-paternal-age-and-autism-risk/ Paper DOI - https://doi.org/10.18632/aging.206348 Corresponding author - Adelheid Soubry - adelheid.soubry@kuleuven.be Video abstract - https://www.youtube.com/watch?v=XC3p49Uw49w Sign up for free Altmetric alerts about this article - https://aging.altmetric.com/details/email_updates?id=10.18632%2Faging.206348 Subscribe for free publication alerts from Aging - https://www.aging-us.com/subscribe-to-toc-alerts Keywords - aging, epigenome, sperm, 450K, imprinting, autism To learn more about the journal, please visit https://www.Aging-US.com​​ and connect with us on social media at: Bluesky - https://bsky.app/profile/aging-us.bsky.social ResearchGate - https://www.researchgate.net/journal/Aging-1945-4589 X - https://twitter.com/AgingJrnl Facebook - https://www.facebook.com/AgingUS/ Instagram - https://www.instagram.com/agingjrnl/ LinkedIn - https://www.linkedin.com/company/aging/ Reddit - https://www.reddit.com/user/AgingUS/ Pinterest - https://www.pinterest.com/AgingUS/ YouTube - https://www.youtube.com/@Aging-US Spotify - https://open.spotify.com/show/1X4HQQgegjReaf6Mozn6Mc MEDIA@IMPACTJOURNALS.COM

Save 10% on a Las Vegas Advisor 2026 membership and book with code MTM.  https://www.lasvegasadvisor.com/shop/products/lva-membership-platinum/ Episode Description This week the visitor and gaming numbers came in for December, 2025 giving us a picture for the year as a whole. While many metrics were down significantly in 2025, what can we take away from the year and how damaging will it be to the future of Las Vegas. Can the city bring back the everyman and why is gaming revenue not falling as quickly? In other news Four Queens has arrived with the perfect Year of the Horse gift. We also discuss: Caesars garage in ruin, Luger's secret salad, reimagining Flamingo's garden, Nevada Landing's fake website, saving with Las Vegas Advisor, the Hard Rock glass and why Flamingo's 1996 commercial gives us nostalgia. Episode Guide 0:00 Caesars garage an actual ruin? 0:30 Mirage/Hard Rock glass update 1:43 Peter Luger's "secret salad" 2:42 Zoox recovers from mysterious shutdown 4:07 Losing a $450K sidebet 5:25 Harrah's Laughlin Legionnaires 6:44 Flamingo Hilton 1996 ad 7:35 The perfect tiki bar space for Vegas? 8:39 Four Queens insane Year of the Horse gift 10:03 Las Vegas Advisor 10% off - 2026 books now available 11:25 Nevada Landing's retro website 14:10 Vegas 2025 year end numbers 15:31 Visitors, occupancy & room rates down for 2025 16:40 Can Vegas bring back the everyman? 19:00 Looking forward to 2026? Each week tens of thousands of people tune into our MtM Vegas news shows at http://www.YouTube.com/milestomemories. We do two news shows weekly on YouTube with this being the audio version. Never miss out on the latest happenings in and around Las Vegas! Enjoying the podcast? Please consider leaving us a positive review on your favorite podcast platform! You can also connect with us anytime at podcast@milestomemories.com.  You can subscribe on Apple Podcasts, Google Podcasts, Spotify or by searching "MtM Vegas" or "Miles to Memories" in your favorite podcast app. Don't forget to check out our travel/miles/points podcast as well!

BUFFALO, NY — January 16, 2026 — A new #research paper was #published in Volume 17, Issue 12 of Aging-US on December 29, 2025, titled “Age-specific DNA methylation alterations in sperm at imprint control regions may contribute to the risk of autism spectrum disorder in offspring.” The study – selected as our Editors' Choice for January, 2026 – was led by first authors Eugenia Casella and Jana Depovere, with corresponding author Adelheid Soubry from the University of Leuven. The research shows that a man's age is linked to specific changes in sperm DNA that may influence early development in children. These findings are relevant as autism diagnoses have increased while many men are becoming fathers later in life. Autism spectrum disorder is a growing public health concern affecting millions of families worldwide. The study focused on DNA methylation, a natural process that helps regulate how genes function without changing the DNA sequence itself. DNA methylation plays a key role during early development and can be sensitive to age-related biological changes. Researchers analyzed sperm samples from 63 healthy, non-smoking men between the ages of 18 and 35. DNA methylation was measured at hundreds of thousands of locations across the genome. The analysis identified more than 14,000 DNA sites where methylation levels changed with age, with most showing a gradual decrease as men got older. “To identify sperm-specific marks, we conducted an epigenome-wide association study in sperm from 63 men, using the Illumina 450K array.” While individual changes were small, their location within the genome was important. Many age-related changes occurred near imprint control regions, which help ensure that certain genes are active only from one parent. These regions are established during sperm development and are usually maintained after fertilization. Disruptions in these regions may affect how genes are regulated in offspring. Researchers found that several genes affected by age-related DNA changes have previously been linked to autism. These genes are involved in brain development, nerve communication, and early growth. Changes in their regulation may increase vulnerability to neurodevelopmental differences. Overall, the findings provide new biological insight into earlier evidence linking paternal age to child health. However, the authors note that autism is a complex condition shaped by many genetic and non-genetic factors, and no single cause has been identified. The study results suggest that age-related changes in sperm DNA may be one contributing factor. By clarifying how paternal age influences sperm biology, this research supports future studies in reproductive health as family planning increasingly shifts toward later parenthood. DOI - https://doi.org/10.18632/aging.206348 Corresponding author - Adelheid Soubry - adelheid.soubry@kuleuven.be Abstract video - https://www.youtube.com/watch?v=XC3p49Uw49w Sign up for free Altmetric alerts about this article - https://aging.altmetric.com/details/email_updates?id=10.18632%2Faging.206348 Subscribe for free publication alerts from Aging - https://www.aging-us.com/subscribe-to-toc-alerts Keywords - aging, epigenome, sperm, 450K, imprinting, autism To learn more about the journal, please visit https://www.Aging-US.com​​ and connect with us on social media at: Bluesky - https://bsky.app/profile/aging-us.bsky.social ResearchGate - https://www.researchgate.net/journal/Aging-1945-4589 X - https://twitter.com/AgingJrnl Facebook - https://www.facebook.com/AgingUS/ Instagram - https://www.instagram.com/agingjrnl/ LinkedIn - https://www.linkedin.com/company/aging/ Reddit - https://www.reddit.com/user/AgingUS/ Pinterest - https://www.pinterest.com/AgingUS/ YouTube - https://www.youtube.com/@Aging-US Spotify - https://open.spotify.com/show/1X4HQQgegjReaf6Mozn6Mc MEDIA@IMPACTJOURNALS.COM

The results of studies revealed in the paper #published in Volume 17, Issue 12, titled “Age-specific DNA methylation alterations in sperm at imprint control regions may contribute to the risk of autism spectrum disorder in offspring,” indicate that advanced paternal age increases the risk of autism spectrum disorder (ASD) in children, potentially due to sperm epigenetic changes. To explore this, the authors performed an epigenome-wide association study on sperm from 63 men using the Illumina 450K array, identifying 14,622 age-related differentially methylated CpGs (DMCs), with many linked to imprinted genes and imprint control regions (ICRs). These alterations may disrupt gene expression and contribute to neurodevelopmental disorders like ASD. Several imprinted genes identified—including OTX1, PRDM16, and others—are associated with ASD, warranting further research into their role in paternal age effects on autism. Further genetic research may clarify how paternal age affects autism. Changes in DNA methylation within ICRs before conception could add to ASD's complexity. Though measured effects were small, even minor sperm epigenetic changes could influence populations as fatherhood is delayed. Preventive and educational programs could benefit public health. DOI - https://doi.org/10.18632/aging.206348 Corresponding author - Adelheid Soubry Sign up for free Altmetric alerts about this article - https://aging.altmetric.com/details/email_updates?id=10.18632%2Faging.206348 Subscribe for free publication alerts from Aging - https://www.aging-us.com/subscribe-to-toc-alerts Keywords - aging, epigenome, sperm, 450K, imprinting, autism To learn more about the journal, please visit https://www.Aging-US.com​​ and connect with us on social media at: Bluesky - https://bsky.app/profile/aging-us.bsky.social ResearchGate - https://www.researchgate.net/journal/Aging-1945-4589 X - https://twitter.com/AgingJrnl Facebook - https://www.facebook.com/AgingUS/ Instagram - https://www.instagram.com/agingjrnl/ LinkedIn - https://www.linkedin.com/company/aging/ Reddit - https://www.reddit.com/user/AgingUS/ Pinterest - https://www.pinterest.com/AgingUS/ YouTube - https://www.youtube.com/@Aging-US Spotify - https://open.spotify.com/show/1X4HQQgegjReaf6Mozn6Mc MEDIA@IMPACTJOURNALS.COM

What if I told you the government owes you money – possibly tens of thousands, maybe hundreds of thousands of dollars – and all you have to do is ask for it back?I know - sounds like complete BS.That's exactly what I thought when my buddy Justin Maxwell told me about the R&D Tax Credit while I was speaking at an event. But he made me an offer I couldn't refuse: "Let me do all the work, show you exactly what you'll get back, and you don't pay me a dime unless you keep the money."Within a couple weeks, I had a fat check deposited directly into my bank account. Then more checks after that. Then we went backwards three years and got even more money back.And here's the kicker – this isn't some sketchy loophole. It's a legitimate government incentive designed specifically for business owners like you who are innovating, creating, building, and testing new things in your business.In this episode, Justin Maxwell from Big Life Financial breaks down exactly how the R&D Tax Credit works, who qualifies (spoiler: way more people than you think), and why your accountant probably has no idea this even exists for small businesses.If you're spending money on AI tools, developing new products, creating new systems, testing new technologies, or basically doing anything innovative in your business – you need to listen to this episode. Like, right now.KEY INSIGHTS & TAKEAWAYSWhy Nobody Knows About This (And Why Your Accountant Doesn't Either)From 1981 to 2015, the R&D Tax Credit was essentially only for Fortune 500 companies. That's why most accountants still think it's only for engineering firms and people in white lab coats. But the rules changed a decade ago, and small business owners can now tap into this incredible benefit – they just don't know it exists yet.The "Double Dip" That Sounds Illegal But Isn'tHere's where it gets insane: You already deduct your business expenses to lower your taxable income, right? Well, the R&D Tax Credit gives you an additional credit on top of that deduction for any money you spend on innovation, development, and qualified research activities. It's literally a dollar-for-dollar write-off of your tax bill – a credit, not just another deduction.You Can Go Backwards Three YearsThink about everything you spent money on in 2022, 2023, and 2024 developing new products, testing AI, creating new systems, hiring people to build things. You can amend your returns and get that money back. Mike got multiple direct deposits within weeks of filing.The July 2025 Game-ChangerPreviously, you had to depreciate the credit over five years. But the new bill passed on July 4th, 2025 changed everything – now you can take the full credit immediately for 2022, 2023, and 2024. Instead of waiting five years to get your money, you get it all at once. We're talking checks hitting your account in 3-6 weeks.Who Actually Qualifies (Probably You)If you're in tech, software, medicine, manufacturing, engineering, science, or any business where you're testing new technologies, creating new protocols, implementing AI, or developing new systems – you likely qualify. One of Justin's clients with just $450K in revenue got $5,000 back. Another with medical practices got $550,000. The range is anywhere from $2K to $500K+.Zero Risk, Zero Upfront CostJustin's team does all the research, all the work, and tells you exactly what you'll get back before you pay them anything. They only get paid when you get paid. And if the IRS somehow doesn't approve it or takes the money back, they refund everything. There's literally no risk.The Mindset Shift That Changes EverythingWhat Mike loves most about this isn't just the money – it's the permission it gives you to innovate without fear. When you know you'll get a tax credit back even if your experiment fails, you take bigger swings. You hire faster. You test more. You grow. Mike used his R&D credits to hire four new people and expand internationally.It's Not Just For "Lab Coat" BusinessesIf you're creating courses, building AI workflows, developing new client onboarding systems, testing marketing automation, or prototyping new tools with your team – that counts. The key is documentation: videos, transcripts, proof you paid people, proof you spent the money on qualified activities.TIME STAMPS[00:00:00] This Is Literally Free Money Mike introduces the R&D Tax Credit and why he was initially skeptical when Justin first told him about it.[00:01:39] Why This Credit Was Hidden From You Justin explains the history – how it was created in 1981 for big automakers and why small businesses didn't qualify until 2015.[00:03:14] The Practical Tactical: How The Double Dip Works Breaking down how you can deduct expenses AND get an additional tax credit on top of those same expenses.[00:06:08] Going Backwards In Time For Money How the 3-year lookback works and why Mike got multiple checks by amending past returns.[00:07:20] The July 4th, 2025 Game-Changer The new law that allows you to take the full credit immediately instead of depreciating over 5 years – and how to capture all that money right now.[00:09:04] Don't Self-Disqualify Justin's plea to business owners: stop putting yourself on the outside of the red velvet rope. Let an expert disqualify you, don't do it yourself.[00:11:18] Rethinking Your Business Through The Innovation Lens How working with Justin's team helps you see your business differently and classify activities you didn't realize counted as R&D.[00:13:49] The Permission To Innovate Why the R&D Credit is actually a government-backed de-risking mechanism that gives you permission to experiment and fail.[00:15:46] What Mike Did With His Money How Mike reinvested his R&D credits into marketing, AI tools, and hiring – growing instead of contracting during uncertain times.[00:17:19] The Timeline: How Fast The Money Arrives From filing to direct deposit – Justin breaks down the typical 3-6 week timeline and what to expect.[00:22:18] Real Numbers: $450K Revenue to $550K In Credits Justin shares actual case studies – from a small business getting $5K back to a medical practice owner receiving $390K net after fees.[00:25:27] The Final Offer: Zero Risk, 100% Guarantee Justin's complete breakdown of the risk-free structure – you only pay when you get paid and keep the money.If you've ever felt like the tax code is written by rich people for rich people, this episode will change your mind.The R&D Tax Credit was literally built for small and mid-market business owners who are innovating and taking risks. And if you haven't claimed it yet, you're leaving your money on the IRS's table for no reason.Go to capabilityamplifier.com/tax to schedule a no-obligation consultation with Justin's team and find out exactly how much you qualify for.Trust me on this one. I was skeptical too. Then I got the checks.– Mike

In this episode of the Insurance Producers Podcast, host Cyrus Jaffery sits down with industry leader Francisco Saldaña for a deep dive into what it really takes to win in the middle market. From building a long-term pipeline to embracing the reality of losing more than you win, Francisco breaks down the mindset and mechanics producers need to thrive in this competitive space.They cover the power of niche specialization, how clarity drives revenue growth, and why mastering the middle market is less about shortcuts and more about commitment, consistency, and playing the long game. Whether you're a new producer aiming to level up or a seasoned pro looking to refine your strategy, this episode delivers valuable insights to help you become the producer you're meant to be.

In this episode the hosts dig into a $2.7 million EdTech business serving architects—$450K revenue, ~$227K profit, ~30 % growth—yet debate whether its 11.9× profit asking price makes any sense.Business Listing – https://app.acquire.com/startup/aUdw7lekR1TbMTB7h3oH00Of2KH2/9zqyExayXzwGmnlz6QWA?utm_medium=email&_hsenc=p2ANqtz-98r-wxCcPABDrP80rGNweSlNs2VkMvwGKxMByTIVyTIen9tvlCC_HRGTYrJ1hp08w7BlWcQs_9_6gkpNUKm734YYgaCg&_hsmi=386717396&utm_content=386717396&utm_source=hs_emailWelcome to Acquisitions Anonymous – the #1 podcast for small business M&A. Every week, we break down businesses for sale and talk about buying, operating, and growing them.

Massive Global Internet Outage, House Votes To Release Epstein Files, Trump's DHS Launches Historic Task Force To Find & Rescue The 450K Children Trafficked By Biden Admin Into US! Plus, Saudi Leader Visits White House!

In this episode, discover how Stan from Lensdigital raised over $450K on Kickstarter for the Vertigo Vertical Laser Engraver, a groundbreaking tool designed for creators who demand precision and flexibility. Vertigo's unique vertical design has taken the maker world by storm, combining precision, portability, and power in one compact machine. Stan reveals the step-by-step strategy behind his campaign success, including: How he built a pre-launch audience What drove early backer momentum The fulfillment systems that kept everything running smoothly If you're a creator, engineer, or designer planning a crowdfunding campaign, this episode is a must-listen. Learn the real-world tactics that turned a prototype into a half-million-dollar Kickstarter success. Resources and Tools Mentioned: Book a coaching call Subscribe for Weekly Crowdfunding Tips Fulfillrite: Kickstarter and crowdfunding reward fulfillment services. They come highly recommended! Download their free shipping and fulfillment checklist FREE Kickstarter Course Kickstarter Launch Formula Audiobook VertiGo - The Vertical Laser Engraver on Kickstarter Lensdigital

I always try and bring the sunshine and some good energy and often I like to bring some good bagels. Today if you use your 'smellavision' link ( only kidding there is none - yet lol ) it smells like fresh bagels! I want you to meet Beth George, former attorney turned bagel whisperer and owner of Bagel-ish in Beacon, NY, and wow… this woman is rising dough and raising entrepreneurs. Beth's origin story is pure heart: in 2006 she started baking to help her son manage health and behavioral issues—researching the gut–brain connection long before it was trendy. That journey led her to develop healthier, more digestible bagels (tip: freeze, then toast—the “resistant starch” effect can lower the glycemic impact, and pairing with protein helps even more). But Beth didn't stop at a great bagel. Through Bagel-ish and her consulting/training work, she now teaches entrepreneurs how to open thriving bagel shops—in the U.S. and 12 countries (from Ethiopia to Sweden to Taiwan!). Clients range from one-store startups to multi-location operators. One early client even made it to Shark Tank and later exited big. Want in on the bagel business? Startup ballpark: ~$450K on the lean end; many projects land $450K–$800K (retrofits can be closer to ~$200K). Revenue targets: to make the math work, plan for roughly $1.0M–$1.8M in annual sales and aim to keep about 25% by managing labor, food, and occupancy with discipline. Pro move: repurpose a former food location to save big on buildout. Why her bagels stand out Focus on healthier wheat formulas (tastier + more gut-friendly) Real-world training on formulas, equipment, SOPs, and projections A founder who blends legal rigor, R&D, and insane passion (her BYOB—Bake Your Own Bagels—shirt says it all: Passion Makes Perfect). If you're heading to the Hudson Valley, pop into Bagel-ish, 226 Main St, Beacon, NY. If you're dreaming of opening your own shop, Beth's training center and consulting might be your best first step. Listen to my full conversation with Beth George on The Debbie Nigro Show and get inspired to turn that bagel dream into a blueprint. Learn more: bagel-ish.com

In this episode of Chef Stu welcomes the delightful LC, a social media sensation known for her witty takes on celebrity culture and legal drama. The two dive into the latest buzz around Blake Lively and Austin Mandoni, discussing the intriguing allegations of extortion and the complexities of Hollywood contracts. LC shares her unique perspective on the evolving retail landscape, including the controversial price surveillance tactics at major stores. They also touch on the ongoing drama in The Real Housewives of Potomac, exploring the implications of a recent robbery and the cast's reactions. With plenty of humor and insightful commentary, this episode is a must-listen for pop culture enthusiasts! Chef Stu Social - send your questions for “Kitchen Quick Fix” Instagram: ► ⁠⁠⁠  / chefstuartokeeffe  ⁠⁠⁠ Facebook: ► ⁠⁠⁠  / chefstuartokeeffe  ⁠⁠⁠ Youtube: ► ⁠⁠⁠   / chefstuartokeeffe  ⁠⁠⁠ TikTok: ► ⁠⁠⁠https://www.tiktok.com/@chefstuart?la...⁠⁠⁠ Chef Stu's Cookbooks & Seasoning: Quick Six Fix - ► ⁠⁠⁠https://amzn.to/49zVeB0⁠⁠⁠ Cook It, Spill It, Throw It: The Not-So-Real Housewives Parody Cookbook - ► ⁠⁠⁠https://amzn.to/49A8UMi⁠⁠⁠ Chef Stu's Spice Blends - ► ⁠⁠⁠https://spicetribe.com/collections/ch...⁠⁠⁠ Chef Stu's Lovely Seasonings - ►⁠⁠⁠https://chefstuart.com/collections/se...⁠⁠⁠ GEAR WE USE TO MAKE PODCASTS: ⁠⁠⁠https://amzn.to/4dg7uZF⁠⁠⁠ SOFTWARE WE USE TO MAKE PODCASTS: ⁠⁠⁠https://hurrdatmedia.com/our-gear/⁠⁠⁠ A Hurrdat Media Production. Hurrdat Media is a digital media and commercial video production company based in Omaha, NE. Find more podcasts on the Hurrdat Media Network and learn more about our other services today on HurrdatMedia.com. ⁠⁠⁠http://hurrdatmedia.com/ Learn more about your ad choices. Visit megaphone.fm/adchoices

In today's episode of the AllAboutTRH Podcast, we dive into everything you need to know about the shocking fraud claims against Real Housewives of Potomac star Wendy Osefo and her husband. Wendy is facing 16 charges, including 7 felonies, for allegedly providing false and misleading information in a scheme involving up to $450,000. We break down the full timeline, the details behind the arrest, and the serious legal consequences she could be facing, including potential jail time. We also go over actual footage of Wendy speaking out on how this scandal has affected her family and her mental health, plus we share the emails exchanged between her and her husband that are raising major questions. Plus Wendy's BFF's reaction. This is an episode you don't want to miss, all the facts, all the drama, and what could happen next. Learn more about your ad choices. Visit megaphone.fm/adchoices

#RHOP #WendyOsefo #EddieOsefo Thank you for your support of this channel

A long-standing Northeastern Ohio pool service company with ~$1.95M revenue and ~$454k EBITDA is up for sale at ~3x SDE, sparking debate on seasonality, retail real estate, and debt structures in a niche where private equity rarely ventures.Business Listing – https://www.bizbuysell.com/business-opportunity/pool-service-company-in-northeastern-ohio/2332791/Welcome to Acquisitions Anonymous – the #1 podcast for small business M&A. Every week, we break down businesses for sale and talk about buying, operating, and growing them.

September 12, 2025- New York State of Health Executive Director Danielle Holahan explains how the Hochul administration is responding to federal changes that impact how the state provides health insurance coverage for 1.7 million low-income New Yorkers.

GDP Script/ Top Stories for August 23rd Publish Date: August 23rd PRE-ROLL: MONSTER JAM From the BG AD Group Studio Welcome to the Gwinnett Daily Post Podcast. Today is Saturday, August 23rd and Happy Birthday to Barbra Eden I’m Peyton Spurlock and here are your top stories presented by Gwinnett KIA Mall of Georgia. Lawmakers discuss ways to discourage tobacco sales and use North Gwinnett Co-op suffers thousands in losses after break-in Candidate fields set for most Gwinnett cities municipal elections All of this and more is coming up on the Gwinnett Daily Post podcast, and if you are looking for community news, we encourage you to listen daily and subscribe! Break 1: 07.14.22 KIA MOG STORY 1: Lawmakers discuss ways to discourage tobacco sales and use Smoking kills. We all know it, yet people keep lighting up—and now vaping’s taken over, especially with kids. A small group of Georgia lawmakers is trying to change that, but their main idea? A tax hike. And let’s be real, taxes don’t win popularity contests—especially in an election year. At Thursday’s hearing, Rep. Sharon Cooper, R-Marietta, acknowledged the uphill battle. The proposal wouldn’t even hit the floor until 2026. Other ideas? Banning flavored vapes, requiring ingredient labels, and raising the laughably low $10 licensing fee for vape shops. Georgia’s cigarette tax? A measly 37 cents per pack, one of the lowest in the country. Stephens argued it’s time to raise it, not just to discourage smoking but to cover the healthcare costs that inevitably follow. Meanwhile, federal budget cuts have already gutted Georgia’s Tobacco Use Prevention Program. Advocates are calling for the state to restore $2.1 million in funding, but for now, the fight continues. STORY 2: North Gwinnett Co-op suffers thousands in losses after break-in  For nearly 35 years, the North Gwinnett Co-Op in Buford has been a lifeline for families—offering food, clothes, and help with essentials like meds and utility bills. But now? They’re the ones who need a hand. Early Tuesday morning, someone shattered a window at their Second Blessings Thrift Store, making off with over $10,000 in goods. The store closed for repairs but reopened Thursday, thanks to an outpouring of community support. Donations are welcome. STORY 3: Candidate fields set for most Gwinnett cities municipal elections Gwinnett County’s cities now have their lineups for this fall’s elections—well, most of them. Fourteen cities wrapped up candidate qualifying on Wednesday, with one exception: Auburn. Their qualifying runs through Friday, so no word yet on their candidates. And Mulberry? No elections there until 2027, per the city’s founding legislation. Elsewhere, though, changes are coming. Snellville’s losing Councilwomen Cristy Lenski and Gretchen Schulz, while Sugar Hill’s Taylor Anderson is stepping down. Loganville? A new mayor and two new council members are guaranteed, with Mayor Skip Baliles and others not seeking re-election. Meanwhile, Norcross Mayor Craig Newton, recently cleared in a city probe, is running unopposed. Grayson’s Mayor Allison Wilkerson? Also unchallenged. But Sugar Hill Mayor Brandon Hembree and Braselton Mayor Kurt Ward? They’ve got competition. Peachtree Corners, though, is staying steady—no challengers, no election. We have opportunities for sponsors to get great engagement on these shows. Call 770.874.3200 for more info. We’ll be right back Break 2: Ingles Markets 10 STORY 4: Community Foundation for Northeast Georgia raises record $450K at 40th anniversary celebration The Community Foundation for Northeast Georgia threw quite the party for its 40th anniversary—and raised a jaw-dropping $450,000 in just two hours at its Good2Give Celebration on Aug. 14. More than 500 guests packed the Gas South District for an evening of jazz, philanthropy, and heartfelt stories. Radio personality Mara Davis and Aurora Theatre’s Jono Davis kept the energy high, while Jose Garcia’s jazz set the perfect mood. The funds will help CFNEG continue its mission of empowering over 300 local nonprofits through training, consultation, and financial support. The night also honored community leaders like Ethel Andersen, Mike Tennant, and Sir Timothy Minard for their lasting contributions. Forty years strong—and just getting started. STORY 5: Two more Georgia paper mills closing International Paper is shutting down two pulp and paper mills in Coastal Georgia, leaving about 1,100 workers without jobs. The mills in Savannah and Riceboro, along with a Savannah packaging facility, will close by the end of next month, cutting the company’s containerboard production by a million tons annually. The closures hit hard. Georgia House Speaker Jon Burns called it a “devastating blow” to Southeast Georgia’s economy and timber industry. Georgia’s pulp and paper sector has been shrinking for decades—down from 18 mills in 1977 to just nine now. Marshall Thomas, president of F&W Forest Services, told leaders at the Ag Issues Summit that lawmakers are exploring ways to boost timber demand, including sustainable aviation fuel from biomass. Burns vowed to work with state and federal leaders to find new opportunities for those affected and protect Georgia’s timber industry. Break 3: MONSTER JAM STORY 6: Suwanee Wine Fest tickets go on sale Friday Suwanee’s Wine Fest is back! Mark your calendars for Nov. 8 at Town Center Park, and if you’re planning to go, don’t wait—tickets dropped yesterday. Last year, VIP tickets sold out in minutes. This year’s festival promises over 150 wines to sip, swirl, and savor—perfect for everyone from casual drinkers to wannabe sommeliers. VIPs get early access at noon, while general admission runs from 1 to 4:30 p.m. Not into wine? No worries. Head to the Taco Mac Tailgate Tent for craft brews from StillFire and Social Fox, or check out the new Margaritaville Cocktail Corner for some tropical vibes. And yes, the grape stomping is back—because what’s a wine fest without stomping grapes, right? Plus, there’ll be local vendors, food, and plenty of shopping to round out the day. Best of all, a portion of proceeds supports Annandale Village, a Suwanee nonprofit helping adults with developmental disabilities live full, independent lives. STORY 7: Gwinnett's GSMST named 13th best high school in the nation Gwinnett County residents are no strangers to hearing about the Gwinnett School of Math, Science, and Technology (GSMST) topping Georgia’s rankings. But nationally? It’s a whole other level. U.S. News & World Report just named GSMST the 13th best public high school in the entire country—the only Georgia school in the top 25. With a 100% graduation rate, 98% AP participation, and near-perfect proficiency in math, reading, and science, it’s no wonder. Other Gwinnett schools? They’re solid but not quite in the same league. North Gwinnett High came in at No. 527 nationally, Paul Duke STEM at No. 659, and Brookwood at No. 1,360. Meanwhile, some schools didn’t even crack the top 100 in Georgia, with a few so far down they weren’t given specific rankings. Still, GSMST’s achievement is a big win for Gwinnett—and a reminder of the high bar it sets. We’ll have closing comments after this Break 4: MONSTER JAM Signoff – Thanks again for hanging out with us on today’s Gwinnett Daily Post Podcast. If you enjoy these shows, we encourage you to check out our other offerings, like the Cherokee Tribune Ledger podcast, the Marietta Daily Journal, or the Community Podcast for Rockdale Newton and Morgan Counties. Read more about all our stories and get other great content at www.gwinnettdailypost.com Did you know over 50% of Americans listen to podcasts weekly? Giving you important news about our community and telling great stories are what we do. Make sure you join us for our next episode and be sure to share this podcast on social media with your friends and family. Add us to your Alexa Flash Briefing or your Google Home Briefing and be sure to like, follow, and subscribe wherever you get your podcasts. Produced by the BG Podcast Network Show Sponsors: www.ingles-markets.com www.kiamallofga.com #NewsPodcast #CurrentEvents #TopHeadlines #BreakingNews #PodcastDiscussion #PodcastNews #InDepthAnalysis #NewsAnalysis #PodcastTrending #WorldNews #LocalNews #GlobalNews #PodcastInsights #NewsBrief #PodcastUpdate #NewsRoundup #WeeklyNews #DailyNews #PodcastInterviews #HotTopics #PodcastOpinions #InvestigativeJournalism #BehindTheHeadlines #PodcastMedia #NewsStories #PodcastReports #JournalismMatters #PodcastPerspectives #NewsCommentary #PodcastListeners #NewsPodcastCommunity #NewsSource #PodcastCuration #WorldAffairs #PodcastUpdates #AudioNews #PodcastJournalism #EmergingStories #NewsFlash #PodcastConversations See omnystudio.com/listener for privacy information.

We met Cameron back at the new franchisee training, so it was great to be able to catch up with him to talk about how his franchise has been going after a few years.

EBJ does what he does to the tune of $50K, with Razor by his side // Tuuka, Thornton, Walsh and Dr, Latham join live! // We've hit the $3M mark! Thanks to findmassmoney.gov for $450K! //

Day 2 of the Jimmy Fund Radio Telethon live from Fenway Park! // Curtis praises the efforts of the Red Sox and the Jimmy Fund over the years // Courtney calls Cam Newton out for crying poor despite making millions // Nobody can explain the gut punch that a cancer diagnosis is // Emily Baily and Amelia Mcdonough, Nurses, Jimmy Fund Clinic, Dana Farber // Sean Flaherty from Ketches law joins, donates $25.000 to the Jimmy Fund! // 9 month old Wyatt Amaral, glioma, Whitman, with Mom Becca and Dad Denis // Mayoral candidate and pseudo stepbrother to Greg, Josh Kraft joins! // Matt Coakley from Verizon joins the show // EBJ does what he does to the tune of $50K, with Razor by his side // Tuuka, Thornton, Walsh and Dr, Latham join live! // We've hit the $3M mark! Thanks to findmassmoney.gov for $450K! //

Summary In this episode, we explore the financial journey of Anthon, who has seen his net worth grow from $450,000 to over $1.7 million in seven years. He discusses his investment strategies, career evolution, and the importance of trusting the numbers in achieving financial confidence. Anthon shares insights on work-life balance, the impact of sabbaticals, and the lifestyle choices that have shaped his family's life. He emphasizes the significance of making sacrifices early in life to compound wealth and offers advice for those starting their financial journey. Takeaways *Anthon's net worth grew from $450K to $1.7M in seven years. *Real estate and stocks are key components of his portfolio. *Sabbaticals have allowed him to focus on family and personal interests. *Trusting the numbers is crucial for financial confidence. *He emphasizes the importance of work-life balance. *Anthon's lifestyle choices reflect a desire for flexibility and enjoyment. *He believes in making sacrifices early to compound wealth. *Investing in experiences is as important as financial investments. *The psychology of wealth impacts lifestyle choices and decisions. *It's never too late to start your financial journey. Sponsored by: Shopify.com/unveiled

Don and Tom dive into the human obsession with prediction—especially in finance—and why models fail us more than they help. They dissect the CAPE ratio, Fama vs. Shiller, and why “knowing” the market is a fool's errand. Listeners also get lessons on ETF pricing myths, market cap misunderstandings, SEP Roth IRAs (spoiler: they're basically unicorns), and whether dad deserves a gift or just more responsibilities. 0:04 We crave certainty—even though our money brains are terrible at prediction. 1:01 Wall Street's models exist to soothe our fear of the unknown. 1:34 “All models are wrong, but some are useful” — CAPE ratio vs. the real world. 2:39 Shiller vs. Fama: You can't time the market, even with a Nobel. 4:51 Why diversification, risk-based equity premiums, and low fees beat predictions. 5:24 Models work… until they don't (hello, Phillips Curve). 7:02 Why the inflation-unemployment link broke after 2000: China changed the game. 8:26 Let's admit it: You cannot accurately and consistently predict the future. 9:14 Call from Catherine: Why Schwab ETF prices are “low” (spoiler: stock splits). 11:31 Price per share means nothing. Market cap is what matters. 13:04 Berkshire never split its stock—why it's $731K a share. 14:24 Apple vs. Berkshire vs. Microsoft: Market cap is the real metric. 16:32 Why the Dow is dumb (and would be even dumber with Berkshire in it). 17:49 Listener Q: Where to park $450K before a home purchase? (Hint: not bonds.) 18:29 High-yield savings accounts are still the best move. 19:53 Father's Day preview: Don rants about dumb gifts and ungrateful kids. 21:19 Kiplinger's list: 5 ways dads can teach money lessons (cue sarcasm). 24:06 Allowances, budgeting, and tax talks with kids—realistic or fantasy? 25:28 Roth IRAs and investing lessons for teens: what actually works. 27:45 Why teaching kids to pick stocks is a dangerous myth. 29:38 “Graduation fund” idea: simple global ETFs like AVGE or DFAW. 30:43 Yes, your kids might move back in. Yes, it's happening again. 32:13 Listener Q: Can you open a Roth SEP IRA? (Short answer: not really yet.) 33:54 One firm offers it… but it'll cost you $500/year and it's shady. 35:20 Final caller: Are there any annuities we do like? (Answer: the shortest show ever.) 36:34 Program note: Tom gone for 2 weeks, Don wants your calls (or sympathy). Learn more about your ad choices. Visit megaphone.fm/adchoices

Questions? Comments?Don and Tom dive into the human obsession with prediction—especially in finance—and why models fail us more than they help. They dissect the CAPE ratio, Fama vs. Shiller, and why “knowing” the market is a fool's errand. Listeners also get lessons on ETF pricing myths, market cap misunderstandings, SEP Roth IRAs (spoiler: they're basically unicorns), and whether dad deserves a gift or just more responsibilities.0:04 We crave certainty—even though our money brains are terrible at prediction.1:01 Wall Street's models exist to soothe our fear of the unknown.1:34 “All models are wrong, but some are useful” — CAPE ratio vs. the real world.2:39 Shiller vs. Fama: You can't time the market, even with a Nobel.4:51 Why diversification, risk-based equity premiums, and low fees beat predictions.5:24 Models work… until they don't (hello, Phillips Curve).7:02 Why the inflation-unemployment link broke after 2000: China changed the game.8:26 Let's admit it: You cannot accurately and consistently predict the future.9:14 Call from Catherine: Why Schwab ETF prices are “low” (spoiler: stock splits).11:31 Price per share means nothing. Market cap is what matters.13:04 Berkshire never split its stock—why it's $731K a share.14:24 Apple vs. Berkshire vs. Microsoft: Market cap is the real metric.16:32 Why the Dow is dumb (and would be even dumber with Berkshire in it).17:49 Listener Q: Where to park $450K before a home purchase? (Hint: not bonds.)18:29 High-yield savings accounts are still the best move.19:53 Father's Day preview: Don rants about dumb gifts and ungrateful kids.21:19 Kiplinger's list: 5 ways dads can teach money lessons (cue sarcasm).24:06 Allowances, budgeting, and tax talks with kids—realistic or fantasy?25:28 Roth IRAs and investing lessons for teens: what actually works.27:45 Why teaching kids to pick stocks is a dangerous myth.29:38 “Graduation fund” idea: simple global ETFs like AVGE or DFAW.30:43 Yes, your kids might move back in. Yes, it's happening again.32:13 Listener Q: Can you open a Roth SEP IRA? (Short answer: not really yet.)33:54 One firm offers it… but it'll cost you $500/year and it's shady.35:20 Final caller: Are there any annuities we do like? (Answer: the shortest show ever.)36:34 Program note: Tom gone for 2 weeks, Don wants your calls (or sympathy).Learn more about your ad choices. Visit megaphone.fm/adchoices

Do you know if your business can afford your next investment or are you hoping it all works itself out? Today, Steph Crowder and I break down how to create a financial safety net in your business using nothing more than a spreadsheet. This is how you can relax a bit more and know you're making pretty smart, grounded investment decisions. (No buyer's remorse afterwards!) This is how Steph went from “there's no way I can afford that!” to realize she was more than fine (even in a worst-case scenario).  This Week on the Get Paid Podcast: The exact spreadsheet Steph used to project revenue and expenses (without overcomplicating it) How she realized she was running a $450K/year business…with almost no profit What happened when we cut her projected launch revenue in half and she was still OK Why projecting income + expenses is more regulating than just having 6 months of savings What to include in your projections (especially if you still have a job or multiple revenue streams) The mindset shifts from “can I afford this?” to “what needs to be true to make this work?” Mentioned in this podcast: Gusto (payroll software) Claire's spreadsheet template (coming soon—DM me if you want early access!) Now it's time to GET PAID Thanks for tuning into the Get Paid Podcast! If you enjoyed today's episode, head over to Apple Podcasts to subscribe, rate, and leave your honest review. Connect with me on Facebook, YouTube, and Instagram, visit my website for even more detailed strategies, and be sure to share your favorite episodes on social media. Now, it's time to go get yourself paid  

Clara (29) and Devin (34) are married with three young kids, trying to build a future while juggling debt, stress, and wildly different approaches to money. Clara racked up $20,000 in credit card debt, while Devin chooses to gamble instead of investing for retirement. They earn well and own two properties, but with zero savings, 75% in fixed costs, and no shared goals, their financial foundation is crumbling. Underneath the spreadsheets and the spending is a toxic parent-child dynamic, causing Clara to feel disempowered and ashamed, while Devin's “dreamer” mindset leads him to believe the next big win will fix everything. Can they dismantle these roles, get honest about their spending, and rebuild as true partners before it's too late? This episode is brought to you by: Superhuman | Get a free month of lightning fast email at https://superhuman.com/ramit LMNT | Right now, LMNT is offering 8 single serving packets FREE with any LMNT order. This is a great way to try all 8 flavors. Get yours at https://drinklmnt.com/RAMIT Notion | Try Notion for free at https://Notion.com/ramit and experience the powerful, easy-to-use Notion AI today. Facet | Facet is waiving their $250 enrollment fee for new annual members, and for my audience, Facet is offering $300 into your brokerage account if you invest and maintain $5,000 within your first 90 days. Head to https://facet.com/ramit to learn more about which membership option is best for you. Shopify | Sign up for a $1 per month trial period at https://shopify.com/ramit If you're enjoying the Money for Couples podcast, I'd love to hear more about you and what you think of the podcast. Take this five minute survey at https://iwt.com/audiopod. Links mentioned in this episode • Fill out my listener survey • Order my new book: Money for Couples Connect with Ramit • Get Money Coaching with Ramit • Download the Conscious Spending Plan • Listen to my book—now on Audible • Get my New York Times best-selling book • Get my no-numbers journal • Other episodes • Instagram • Twitter • YouTube If you and your partner have a money issue and you want my help, I occasionally select a couple to work with, free of charge. Apply for my help here.