Podcasts about 5X

What if the fastest way to grow your child care business… was to go back to school? In this milestone episode, Brian and Carol Duprey challenge the idea that once you become an owner, you've "arrived." Join us as they unpack why the most successful child care leaders never stop learning—and why trying to figure everything out on your own can cost you far more than you realize. From marketing and enrollment strategy to finance, operations, leadership, and systems, they share candid stories about costly mistakes, hard-earned lessons, and why sharpening your axe before you need it can change the entire trajectory of your business.   Tune in to this episode as Brian draws powerful comparisons between professional athletes and business owners. Every elite performer has a coach—so why should child care owners be any different? Listen in as they explain how coaching, community, and continuing education can help you close knowledge gaps, strengthen weak areas, and accelerate growth without the "million-dollar mistakes." They also reveal how one small tweak—just one enrollment strategy shift—can potentially generate hundreds of thousands in lifetime revenue.   Join us as Brian and Carol share how Child Care Genius University was created to provide a shortcut—offering proven systems, hands-on coaching, real accountability, and even a 5X return guarantee in year one. From helping owners scale from a few locations to dozens, to restoring confidence, profitability, and even marriages strained by business stress, they've seen firsthand what happens when leaders invest in themselves. If you're tired of relying solely on your own knowledge base and ready to level up, this episode is your invitation. Go back to school. Sharpen your saw. And discover what's possible when you stop doing it alone.     Mentioned in this episode: GET TICKETS to the Child Care Genius LEGACY Conference:  https://childcaregenius.com/legacyconference/   Need help with your child care marketing? Reach out! At Child Care Genius Marketing we offer website development, hosting, and security, Google Ads creation and management, done for you social media ads management. For social media content we have the Genius Box, which is a monthly subscription chock full of social media & blog content, as well as a new monthly lead magnet every month! Learn more at Child Care Genius Marketing. https://childcaregenius.com/marketing-solutions/  Schedule a no obligation call to learn more about how we can partner together to ignite your marketing efforts. If you need help in your child care business, consider joining our coaching programs at Child Care Genius University. Learn More Here. https://childcaregenius.com/university   Connect with us:  Child Care Genius Website Like us on Facebook Join our Owners Only Private Mastermind Group on Facebook    Join our Child Care Mindset Facebook Group Follow Us on Instagram Connect with us on LinkedIn Subscribe to our YouTube Channel Buy our Books Check out our Free Resources

Get all the inside secrets and tools you need to help you develop your intuitive and leadership skills so you are on the path to the highest level of success with ease. In this transformative episode, Dr. Naya shares how energy recalibration, empowered choice, and spiritual awakening can turn life's greatest challenges into profound healing and purpose.In this episode you will learn:Your Diagnosis Is Not Your Destiny Energy Is the Foundation of Healing Spiritual Awakening Often Follows Crisis About Dr. Neja:Dr. Neja Zupan is a visionary holistic mentor, energy mastery expert, andinternational speaker guiding high achievers to full-spectrum vitality andsoul-aligned success. After being given a 5% chance tosurvive aggressive cancer, and rising from generational scarcity to becomea globally recognized entrepreneur, Dr. Neja embodies the power of HighEnergy frequency-first living. Her method, rooted in nervoussystem, facia, lymph recalibration, multidimensional intelligence, andenergy mastery, activates clarity, coherence, and magnetic leadership.www.nejazupan.comhttps://www.instagram.com/dr.neja.zupan.institute/https://www.facebook.com/drNejaZupanInstitutehttps://www.linkedin.com/in/drnejazupan/https://www.youtube.com/@drnejazupaninstituteIf you are ready to start reaching your goals instead of simply dreaming about it, start today with 12minutegift.com!Grab your FREE meditation: Reduce Your Anxiety MEDITATIONAre you ready to tiptoe into your intuition and tap into your soul's message? Let's talkListen in as Jennifer Takagi, founder of Takagi Consulting, Certified High Performance Coach, 5X time Amazon.Com Best Selling-Author, Certified Soul Care Coach, Certified Jack Canfield Success Principle Trainer, Certified Professional Behavioral Analyst and Facilitator of the DISC Behavioral Profiles, Certified Change Style Indicator Facilitator, Law of Attraction Practitioner, and Certified Coaching Specialist - leadership entrepreneur, speaker and trainer, shares the lessons she's learned along the way. Each episode is designed to give you the tools, ideas, and inspiration to lead with integrity. Humor is a big part of Jennifer's life, so expect a few puns and possibly some sarcasm. Tune in for a motivational guest, a story or tips to take you even closer to that success you've been coveting. Please share the episodes that inspired you the most and be sure to leave a comment.Official Website: http://www.jennifertakagi.comInstagram: https://www.instagram.com/jennifertakagi/Facebook: facebook.com/takagiconsulting I look forward to connecting with you soon,Jennifer TakagiSpeaker, Trainer, Author, Energy HealerPS: We would love to hear from you! For questions, coaching, or to book interviews, please email my team at Jennifer@takagiconsulting.com

Most real estate agents finish a transaction and move on.But if you want to dominate a neighborhood, you need a system that turns one closing into multiple opportunities.In this episode, I break down the exact strategy I use after a home sale to build relationships with nearby homeowners — without cold calling, door knocking with scripts, or dropping marketing flyers.You'll learn:How to introduce yourself to neighbors professionallyWhat to say (and what NOT to say)The compliance rules you must followHow to position yourself as the local expertWhy this works better than postcardsIf you're serious about growing your listing inventory and becoming the go-to agent in a neighborhood, this is a strategy you can implement immediately.Subscribe for more real estate growth strategies for agents who want to scale with integrity.#realestateagent #listingagent #realestateprospecting #realtorstrategy #growyourbusines

There is a storm coming with the challenges of navigating the TRUSTEE CRISIS. It is one of the biggest blind spots in the “GREAT WEALTH TRANSFER” and will be the source of mountains of litigation for the unwary, https://youtu.be/hwQev88A03M Summary In this conversation, Frazer Rice and Jennifer Zelvin McCloskey discuss the current crisis in trusteeship, highlighting the shortage of qualified trustees amidst a significant wealth transfer. They explore the importance of modern trust planning, the challenges faced by individual trustees, and the need for better education and training in the field. The discussion also covers the emotional and interpersonal aspects of trusteeship, the functions and responsibilities of trustees, and the necessity of managing risk effectively. They emphasize the importance of building a pipeline for future trustees and improving the perception of the profession, while also identifying opportunities within the trust industry. https://open.spotify.com/episode/4qpkrVdaUa2AfDxgl7j3yN?si=XVgG3jE_Qpqq2JTqi8XLXQ Editing and post-production work for this episode was provided by The Podcast Consultant (⁠https://thepodcastconsultant.com⁠) Takeaways The coming crisis in trusteeship is already here. There is a significant shortage of qualified trustees. Trusteeship requires strong interpersonal skills and emotional intelligence. Managing risk is a fundamental aspect of trusteeship. Trustees critically need education and training. The role of a trustee is evolving with increasing complexity. Beneficiaries need to understand their rights and the trustee’s role. Custodial responsibilities are essential for asset protection. There are many opportunities for growth in the trust industry. Trust law and investment management are distinct fields. This Episode is for . . . Anyone that has an estate plan with a trust in it and doesn't know what a trustee does Any advisor who works w/ multi-generational situations (that’s everybody in wealth management) Any RIA looking to sell Financial types worried about compliance world Fiduciary litigators Chapters of “THE TRUSTEE CRISIS: Navigating the Challenges” 00:00 The Coming Crisis in Trusteeship 02:06 Importance of Modern Trust Planning 04:11 Challenges with Individual Trustees 08:03 The Dwindling Pool of Qualified Trustees 10:06 Functions and Responsibilities of a Trustee 12:20 The Emotional and Interpersonal Aspects of Trusteeship 16:05 Managing Risk in Trusteeship 19:07 Building a Pipeline for Future Trustees 22:10 The Role of Education in Trusteeship 25:07 Improving the Perception of Trusteeship 28:19 The Need for Better Trust Education 30:39 Bifurcation of Trustee Functions 33:26 Distribution Functions and Beneficiary Relations 36:52 Custodial Responsibilities in Trusteeship 40:19 Consequences of Poor Asset Management 46:41 Curriculum for Trustee Education 52:13 Opportunities in the Trust Industry Transcript of “THE TRUSTEE CRISIS: Navigating the Challenges” Frazer Rice (00:01.068)Welcome aboard, Jennifer. Jennifer Zelvin McCloskey (00:02.723)Thanks Frazer, how are you today? Frazer Rice (00:04.782)I am doing great. We’re going to dive into a topic that is near and dear to both of our hearts. And that is what I’m describing as the coming crisis in trusteeship, but I think it’s already here. Which is the concept of qualified trustees being in short supply, right in the face of a gigantic wealth transfer. And first of all, before we get into that, just describe what you do on a day to day basis first. Jennifer Zelvin McCloskey (00:33.445)Sure, I actually wear a bunch of hats. Day to day, right now, I’m a full-time practicing trust and estate attorney. I’m also an individual trustee for a variety of trusts that need either somebody here physically located in Delaware for a short period of time or even a successor trustee. But I’ve also spent many, many years building programs in trust management and trust administration. Because there is this crisis of human capital that just does not exist. I built multiple programs. They’re housed out of the University of Delaware. So I act as a trust and estate attorney, do planning, administration, I teach in the area, I build programs in the area, and I serve as a trustee. PEAK TRUST MANAGEMENT CERTIFICATE Frazer Rice (01:23.182)A full plate to be sure. To me, I came out of Wilmington Trust and another trust company served an individual trustee too. I’ve seen all these different flavors of trusteeship. My general sort of bon mot around that is that the individual trustees. I’d say 95 % or higher don’t really have an appreciation of the risk and responsibility that they’re taking on. And then the corporates have their own issues, which we’ll get into in a little bit. If we pull back even further, modern trust planning in wealth management, why is this so important? Jennifer Zelvin McCloskey (02:06.275)That’s massively important. It’s not just for the mass affluent or the ultra high net worth. It’s for everybody. We have all of these assets that we have this hyperfocus on building and increasing our wealth. Making sure that we have the ability to sustain ourselves throughout our entire lives. But if we don’t do this type of planning, if we don’t have structures and implementation for when we die, then our assets that we’ve planned so diligently for will fall off of a cliff. We lose the ability to control ultimately what happens to those assets. Layered on top of that, of course, is the tax component for ultra high net worth folks who are trying to really focus and direct their assets to make and create generational wealth transfers. Without this type of functionality and wealth planning and estate planning long-term, people lose control of what they’ve spent so much time building. Frazer Rice (03:13.338)One of the things I tell people as far as trusts are concerned is that, you know, we’re putting these structures together. They’re durable enough to withstand taxation or creditors or other asset protection features, create some guidelines around distributing the assets to the next generation or other constituencies. But also have some flexibility to be able to deal with the things we can’t look into the crystal ball and figure out over time. And that those three things just putting a document together that tries to do all that is hard enough, but then to put it in the hands of somebody or something to administer and to exercise discretion around it. That’s where the real art and science kind of stitched together and create this issue. You know, as we think about that too, the idea, the history of these types of scenarios kind of goes back to, you know, you’d put a structure in place and then you’d go hire a bank and they’d take care of everything. How do you look at that and say, all right, we’ve gone well past banks to individuals and then to dedicated institutions. What is the problem there? Jennifer Zelvin McCloskey (04:22.956)Now the problem, there’s two problems. In my opinion, what I see is that, you know, your individual trustee by and large is Uncle Joe, right? He’s the guy that everybody goes to in the family. The responsible one. He’s the smart one. The wealthy one who, great, doesn’t know what the fiduciary duties are. He doesn’t know that he has a duty of impartiality. He doesn’t know that… Frazer Rice (04:32.419)Right. Jennifer Zelvin McCloskey (04:48.475)He can’t self deal unless the instrument says so. Doesn’t understand how the instrument works. He doesn’t understand the nuance and the legalese written into the instrument. But he’s flying by the seat of his pants and everybody looks to him as the respected one in the family. No one knows that they have the ability to challenge him. So with your individual run of the mill trustee named in the instrument, they just don’t have the expertise, they don’t have the technical knowledge. Don’t know what they don’t know. They can get into trouble in that way. The other problem that you have with professional individual trustees oftentimes is that they are not formally trained. They may be an attorney who is working in that area, who’s doing plans for people who may or may not know what the full scope of being a trustee is. They may not realize, I have to get a special insurance policy because my malpractice insurance policy doesn’t actually cover this type of fiduciary engagement. There’s a lot of landmines that individuals can run into when they’re doing this type of work. On the corporate side, the problems that we run into is that there’s just a complete and utter lack. Frazer Rice (05:50.061)Hmm. Jennifer Zelvin McCloskey (06:12.059)Of available educational programs to teach people the proper way to be able to understand trusteeship. It has always been, and it just has developed over time through, you know, oh, we’ll give it to the bank, the bank will do it. This apprenticeship model, and that just does not scale well because if you learn improperly at the edge of a desk from somebody that learned improperly at the edge of the desk. Then the person that you’re teaching now at the edge of the desk is learning what you learned improperly. So anecdotally, I did karate for a long, long time. And the man who taught me karate, I’m almost a secondary black belt to like, was serious in karate. And the man who taught me karate said, you practice, it makes permanent. Don’t practice wrong. Because when you’re practicing wrong, you’re making permanent wrong things. And that’s what the apprenticeship model has the risk of lending itself to. It’s not that every trustee that learns at the edge of the desk learns wrong, but the risk is too high because the fiduciary responsibilities and the duties are too high to run that risk. The other problem is that we have a dwindling pool of really qualified senior trust officers because of just the nature of the job. You’re a human being, you’re an individual, you age, you retire. And it’s not something that people go to school and say, when I grow up, I want to be a trustee. They fall into it sideways. And unless there are academic programs that are out there that people are aware of and that they can get some formal training, some formal education to enter into the field. Frazer Rice (07:49.742)Yeah Jennifer Zelvin McCloskey (08:03.82)Separate and distinct from, I’m in the field and now I want to get a CTFA. I want to earn my certification to really show that I have the chops in this area. We have this shrinking pool of expertise. We have a lack of knowledge, a lack of formal education, and an apprenticeship model that doesn’t scale. On top of, with the individual side and the corporate side, this massive wealth transfer and an explosion of trust complexity that’s all taking place at the same time. Frazer Rice (08:31.918)One of the issues at the corporate level too is that as you say that the impregnance model is not necessarily the best way to do it. They’re cutting back on training programs. The business model around being a trustee or even a specific trustee does not make the big money. And so the ability for those types of institutions to develop the people.who ultimately are now in a very sort of pro-employee environment where there’s such a demand for trustees that they can kind of switch around and get a 10 or 20 % bump each time they go because people are desperate to have them. There’s a real cavern there to try to create the permanence that you’re looking for in a structure that really rewards consistency over time, especially as it relates to discretion and process of decision-making. Jennifer Zelvin McCloskey (09:23.15)Yeah, that’s exactly right. And that leads to this revolving door in the industry, because people are just trying to make more money and they’re going and bouncing to different trust companies. And there isn’t that backfill. Just because it’s a trust company and there’s policies and procedures, trusteeship is about relationships that you make with your beneficiaries, the relationships that you develop with multiple generations in a family. And when you have somebody that’s acting and serving in that and they move, they leave, they’re no longer acting and serving in that capacity, a new personality comes into the mix and it can really be disruptive. So having that consistency and minimizing the attrition is so valuable. Frazer Rice (10:06.766)The other thing I try to bring up, especially to individual trustees, is that the thing that you’re signing up for is probably going to look a lot different in five or 10 or 15 years when people are aged on, they remarry, they have kids, etc. That the conditions are a lot different than what they were before. And it’s going to be difficult to take on a structure that has eight people when before there were two. Jennifer Zelvin McCloskey (10:37.517)Yes, and that’s that complexity, that increased sophistication and complexity of trust structures that are available now to people. With the increase in the exemption, these trust structures, they’re not necessarily changed. For example, qualified personal residence trust, if people really need that anymore, but there’s a ton of them sitting around there. Are trustees properly administering it? Did you actually transfer the real estate into the trust at the time? So there’s all kinds of sophisticated structures that the trustees may or may not have the right skills. But they’re saddled with having to do it. Frazer Rice (11:19.47)Let’s take a step back and just talk about the functions of a trustee for a second. I break them down basically into three. Which is the first one. You have to administer the trust, meaning you have to dot the I’s, cross the T’s, make sure things get executed, tax returns are filed, statements get sent out to the extent that that happens, and that the administration of a structure like that occurs. Then I talk about the concept that the investments have to be made monitored moved around decided and that they’re appropriate for all classes of beneficiary that are in there and then the distribution function which is The assets have to be distributed according to the law. First the trust then maybe the intent or the law if everything is silent and that those three things are very different components and that it’s tough to find somebody who’s great at all three housed within one brain. Jennifer Zelvin McCloskey (12:20.217)Yeah, I agree with that 100%. It is a three legged stool. It’s the investments, the administration and the distributions. And in that administration umbrella in and of itself, there’s a tremendous amount of work that sort of goes unsung. know, it’s not the sexy stuff where you’re investing and making a bunch of money for your income beneficiaries and managing to preserve the corpus for your principal or your remainder beneficiaries. And it’s certainly not the personal interaction that you’re doing with your beneficiary day to day. Making distributions, helping them, seeing the product of that help. It’s the making sure you file ax returns are properly. Understanding how to read that tax return. Even if you’re not preparing it, making a proper selection on the accountant that you’re using to prepare those tax returns if you’re not preparing it. Make sure to set up statements properly, make sure that in this world of silent trust documents that you’re not sending a statement to somebody who’s not supposed to have it. Communicating with beneficiaries on an even keel. Making sure that you’re not inadvertently violating your duty of impartiality because it’s more than just a substantive duty, there’s a procedural duty as well. That’s really, really challenging to find within one human being, let alone add on top of it somebody who’s financially savvy enough to understand investments and all of the different complex investment tools that are out there, as well as having the personality and the interpersonal skills to keep beneficiaries engaged and happy. Frazer Rice (13:56.426)Just on top of that, the EQ, the bedside manner, and the ability to simplify the complex, et cetera. At the same time, that dedicated note taker that is able to document everything that happens within a decision. Whether distribution or investment or otherwise, that it’s just two different people most times. I find that something falls apart as time goes on. Ultimately if things aren’t laid out correctly, that’s when conflict starts to simmer. Then you know if there is something that’s wrong. That’s allowed to compound that’s where you get into a huge problem later on. Jennifer Zelvin McCloskey (14:36.922)It’s all that feeling. People are behaving in ways that they may or may not be able to articulate their emotional proximity to. When you’re talking with beneficiaries. There’s something simmering under the surface that you inherited because you’re a trustee. You may not even be aware of it because the beneficiaries may not even be able to articulate it. You have to have a certain sense. A gut check of feelings of rntuitively being able to read what’s going on under the surface. To pull it out of people in a very balanced and even keel way. It’s not an easy job by any stretch of the imagination. On top of financial literacy and personal liability and executive functioning skills, being detail oriented, making sure your documentation is not overly explicit. isn’t, you know, scarce. You’re now wondering how and why did you make those decisions? People don’t think about the decisions that they make on a day to day basis. We don’t think in a way to articulate why I made this decision. Why I exercised this type of judgment. And that’s what we’re being asked to do as trustees is to document what is my decision making process? Why am I making the decision? What are my factors involved in making that decision in a way that’s defensible. If we ever need to defend it. Frazer Rice (16:05.292)Well, in favoring one class of people over another is usually where the rubber hits the road on this. People who are used to seeing the income from a trust and don’t want that touched come hell or high water. Then future beneficiaries who’d like to see the trust go from X to 2X to 5X. So that they have something larger to enjoy. You have a natural tension that you have to manage. It’s just not easy. If you don’t document the hows and whys of what you’re doing, you set yourself up for a problem. From one class or another looking at you saying, you you should have done it differently. To go back to that liability component. You’re the only one who sits in the chair of having made that decision. You’re the one with the bullseye on your back when it’s called to account. Jennifer Zelvin McCloskey (16:53.093)That’s right, that is exactly right. And now add on top of it, you’re just named because you’re Uncle Joe and everybody goes to Uncle Joe. You have no technical background and you just don’t know the landmines that are there. You don’t know what you don’t know. Wouldn’t it be wonderful if we were able to create a pipeline of really sophisticated entry level employees or folks that are, you know sophisticated in financial literacy that now want to take the job to become trustees, that we were able to give them this technical roadmap for what the job actually is and then have them get the ability to apprentice on all of those policies and procedures. What does this corporation do? How do we document things? When you’re trying to learn it all at one time, it’s like drinking from a fire hose. Let’s give people the ability to really have a chance at doing it successfully. Frazer Rice (17:53.048)So let’s dive into that pipeline issue for a second. We already diagnosed that the, let’s call it the trust companies or the banks are, they’re just not resourced enough. They can’t run people through an internal school to do it quote unquote correctly. The apprentice model really kicks in. Which means you’re at the sort of mercy of what people are good at, not good at, et cetera. People turn over quickly so that apprenticeship doesn’t even work anymore. The RIAs I think are the worst place to learn about this type of thing. They have a completely different modus operandi as far as keeping clients happy. The word fiduciary means something so different to them than it does to an actual trustee. I wouldn’t feel good about the training on that front to sort of create trustees And then so law schools. They’re they’re just trying to create people the trust in the states vertical as a general matter. Let alone trying to delineate into a trustee situation. You’re putting the pipeline together and you put these programs together. How do you stitch together the needs and what does that manifest itself into? Jennifer Zelvin McCloskey (19:07.642)So that’s a really, really good question. I think that the very first place that we start with answering that question is advising on a trust as an attorney. It’s different from the administration of a trust and the skills that you need for that. So when you create a program like this where you’re trying to teach about trust management. You have to start with the technical skill. The legal side of what is it that we’re even doing? What is a trust? What are the fiduciary duties? Where do they come from? Then we have to, after we teach or create a structure or foundation on what the legality is. Now we go into how does this translate into administration? So when I created the programs, I looked at what’s the law they need to know? What is the level of sophistication of the student? And what do I need to, from a foundational perspective, teach first? What are the building blocks? And then how do I translate that into administration? The one thing that I have found is trust law does not equal investment management. So if people are coming along… Frazer Rice (20:26.254)No question. I’m nodding audibly at that comment. I like that. Jennifer Zelvin McCloskey (20:31.226)Your fiduciary duties as a trustee are fundamentally different than those of an RIA, where some RIAs are not even fiduciaries by law. They’re not. So being able to delineate and explain where that line is, what makes you a fiduciary, what are those duties, after you know the legal basics. And taught to you at a level that you can understand. I don’t expect everybody to be a lawyer. And people have asked me time and time again, do I need to be a lawyer to know this? No, you don’t need to be a lawyer because you’re not advising on the law. You’re advising on the administration of a legal structure and how that administration affects the fiduciary duties that are inherent in the relationship. Then how those fiduciary duties are translated out to the beneficiary. That’s the way that I’ve always built these programs. Where do I start? Start with the law. Where do I go from there? Start with how the administration translates the law. And then how does that administration get heard by the beneficiary? Where does the RIA come into the mix? The RIA should not be dabbling in advising on trusts. They should know that they need to bring in somebody who has this particular skill. And if they’re not doing that, they’re doing the client a disservice by trying to give one-stop shop advice. Frazer Rice (22:06.85)Yep, no question about it. One of the things that…we delve into the world of trusts and their function, et cetera, is that you’re dealing with an ecosystem from client to outside advisor, whether RIA or even accountant, et cetera, that they’re looking for certainty and airtight. quality to these structures that you put them in place and then everything runs like a clock going forward. When in actuality, I think there is a bandwidth of risk around everything. And so it’s the poor trust officer or individual trustee who sometimes has to be the bearer of bad news to say, yeah, you know, I think this is going to work 98 % of the time, but there’s a 2 % problem here or we’ve got this to fix or something like that and everybody else sort of sighs with disappointment and gets mad at the administrative function when in actuality they’re really doing their job and trying to, you know, keep a lot of things that are spinning out of control kind of within view. How do you get a trust officer or that administrative function or even the full trustee function to be comfortable with that risk and everything that’s involved with that? Jennifer Zelvin McCloskey (23:20.504)You have to start with explaining that there is risk and we’re not our job is not as a trustee to eliminate risk. Our job is to manage and identify risk. It is inherent in the job. There is going to be risk. No matter what you do, you cannot divorce risk from trusteeship. It’s a matter of identifying perceived risk and actual risk. And if you can teach that, if you can teach These are the things that are going to trigger a likely outcome. They’re gonna trigger a likely risk. Then you can essentially, you can’t foresee everything. I mean, there are things that are just gonna happen. But in a trust instrument, you’ve got contingency plan upon contingency plan upon contingency plan. That’s what the flexibility of those structures are building. We need to, as trustees, be able to recognize What is the risk with contingency plan A? The risk with B? What is the risk with C? How can we minimize the risk? And how can we make sure that we’re managing perception of risk versus actual risk? Frazer Rice (24:29.31)as someone who’s been in trust companies, advised trust companies, advised trustees, and advised clients, the lack of appreciation for the management of that risk and that that as the intersection of the business model of trusteeship and risk management and use of discretion and making hard decisions and even kind of an insurance quality around these structures, how do you fix that, where people place a level of respect on the job that I think is completely lacking in the wealth management ecosystem? Jennifer Zelvin McCloskey (25:09.089)Absolutely. It’s a tough one to answer. How do you fix it? First and foremost, I think that it’s a top-down fix, especially at a corporate trust company, a bank, and even an independent trust company that’s not affiliated with a bank. The management has to… really understand the function of the trust company. For so long, it’s been just an extra service that we provide and and we’ll do this, the back office trust company. It’s really, really important that the management recognizes what the functionality of the trust company is and stops treating it as sort of a back office stepchild. From the corporate level, I think that’s the very first place we start. Frazer Rice (25:38.478)Mm-hmm. Jennifer Zelvin McCloskey (25:57.818)The second place we start is investing in our trust officers, investing in the team, giving them the education that they need, continuing to give them education, providing training programs, whether they be in-house, external, bring in trainers. None of this is set it and forget it. At the individual level, I think it’s really, really important to have functions like the Individual Trustee Alliance, groups like that, where you have an ability to talk to other professionals that are doing what you’re doing. That’s another way to impress upon people that we have to manage the risk and we can’t do it all alone. Nobody knows everything. You really have to, you have to talk to other people. You have to engage. have to, what is it called when we were practicing law and we’re a little bit outside of our comfort zone, we have to consult with other people who know more than we do. It’s our obligation as lawyers. It’s the same thing with a trust company, with a trustee, whether you’re an individual or you’re not. Widen that circle. Frazer Rice (27:08.474)I think this is my idea for the day that there’s got to be a bit of a public relations campaign sort of describing what’s going on here because I think especially when we go into the family members that sort of occupy these roles, they have no earthly idea what they’re doing. They’re usually doing it for free. Everything’s hunky dory up until a point and everyone hopes that everyone is not going to sue each other if something goes wrong. But the level of wealth that’s being transferred now is now so significant that everyone sort of talks about, AI is going to get rid of lawyers. Nope, not in fiduciary litigation. I think that’s a medium term growth industry, especially around insurance, around ILITs, around revocable trusts, around elder care. But this is my advertisement for people who are in law school looking for a productive way to go. I think that one is going to be, I think that one’s recession proof, at least for a while until I retire anyway. So my thought is that awareness over these things, and it’s probably going to take a very difficult case or a class action suit, something like that, where somebody really gets hurt in order for that awareness to come up. Jennifer Zelvin McCloskey (28:24.922)Yeah, I would agree. think that some of the solutions would include better trust education, you know, whether it be for RIAs, lawyers. Trust in the states is a throwaway class in law school. And there are so many law schools that are essentially rolling it back because bar exams aren’t testing it anymore in a variety of states. And ACTEC is definitely working with the law schools to try and increase trust in the states being taught and certainly being tested. So education for lawyers coming out of law school, education for RIAs that are advising on trusts, education for trust officers, for trust administrators, trust professionals in general, clear role delineation. What is the role of the RIA? The role of the trust officer? What is the role of the trustee if they’re an individual trustee? And then creating a culture of collaboration on what we’re doing as a team for the beneficiary, not substitution, but collaboration with the advisors and the trustees. Frazer Rice (29:32.59)Let’s go into the role delineation for a second. About 20 or 30 years ago, the concept of bifurcating or sort of cordoning off the different functions I described before the investment, the administration and the distribution has come into vogue. I think that came out of frustration with bank trust companies where you got one set of advice for every trust that they had as far as investments and distributions and administration and a lot of modern larger families wanted something a little bit more specific to their needs. And that’s really turned, it’s exploded as an industry for increasing sophistication and size of wealth. Along those different functions, where maybe the administration goes to a professional trust company or a trust officer in the state that you want, Then there’s some intersection maybe in the distribution committee. And then the investment side of it is a bit of a free for all, think, depending on what you’re, dealing with. How do you educate the, that continued the delineation, but the coordination within those types of structures. Jennifer Zelvin McCloskey (30:41.275)Yeah, I think it’s really important. And I’m a Delaware lawyer. I’m licensed in multiple states, but Delaware is my home. It’s where I learned how to be a lawyer. It’s where I grew up as a lawyer. So this directed trust model that you’re describing, where you’re bifurcating, truly bifurcating these particular functionalities of a trustee, it originated in Delaware. sort of, we didn’t, I mean, we invented it, right? We codified it. It was being done, but we codified it. The idea of making sure that everybody understands what their function is and knowing that there’s a limit of liability that’s built into the instrument and communicating what that means to the RIA that is named in the document. I can’t tell you how many times I have heard companies, heard trust companies say, we’re advisor friendly. And I’m like, not unless you’re directed, you’re not. Frazer Rice (31:37.528) “THE TRUSTEE CRISIS: Navigating the Challenges”Yeah. Jennifer Zelvin McCloskey (31:40.439)If you are directed, you are 100 % advisor friendly because there’s no chance that that trustee is going to try and take the investment management. They’re not a portfolio manager. Not a clerical administrator. They’re not a passive rule follower. We need to identify what does that trustee actually do when they are an administrative or directed trustee. Clarify that role so that people who are engaged in this bifurcation, this structure where we’ve got a distribution committee, maybe it’s individuals who are close to the family, close to the beneficiaries, where you don’t have somebody who’s objectively uninvolved with the family members making decisions as to whether or not there’s a distribution that should be made. But also advising those rolls those advisors that your administrative trustee is not just a pencil put a paper pusher. Not just checking boxes. They really do add value to the role that they provide and making sure that everybody understands what each other are doing, having regular meetings amongst the team instead of operating in a vacuum or operating in a silo. And taking the approach of it’s not my job, misunderstanding trustee powers and the advisor’s authority. So when that’s delineated, when that’s really understood, not just by the advisors, but also by the beneficiaries, there are so many beneficiaries out there, Frazer, that have absolutely no idea that they actually hold all the cards. They don’t know. Frazer Rice (33:25.87)Along that line, so in the administrative, we just walked through pretty nicely. The distribution function is one that, let’s talk a little bit for a second about what it means to ask a trustee for a distribution and maybe the difference between income and principal and why having a steady hand at the wheel within that function, whether it’s a corporate trust company of qualified individual or family input in that function, why real good thought needs to go into how that’s staffed. Jennifer Zelvin McCloskey (34:04.73)Yeah, absolutely. 100%. In a corporate trustee ship or a corporate trust company structure, there’s always going to be distribution committees, right? So if you are the trustee, you’re going to have to go through a committee that’s looking at what your reasoning is for making that distribution. They’re asking questions about what have been the prior distributions? Have they come from principal? Have they come from income? What is the spend rate on that trust? How is this going to affect long-term spend rate? Is this an aberration? Is this something that’s gonna become a habit? Really understanding what the distribution, the guidelines are in the trust. What is the distribution standard? Making that decision? What are our factors? And how many people are at the table? Who’s communicating that to the beneficiary? Does the beneficiary know that the trust officer alone does not have the ability to say yes or no? That when they’re in this ecosystem of a corporate trust company, they have their checks and balances to make sure that that risk is being managed. So when you’re looking at corporate trust companies, are a lot of layers behind understanding what the distribution standard is, whether it’s hems or if it’s purely discretionary. The other thing that you need to look at when it’s not a corporate trustee and it’s an individual trustee is, how is that individual trustee making that decision? Are they doing it in a vacuum? Alone? Are they favoring one beneficiary over another because they like them more, you need to have some communication to the beneficiaries so that they understand what they are, what their interest is, what they are entitled to, if anything, and why the trustee stands in that position as the gatekeeper. And I really think in my heart of hearts, we need to make a shift from a gatekeeper trustee Jennifer Zelvin McCloskey (36:16.708)to a beneficiary enhancement trustee, where the beneficiary is really taking on the understanding that the trustee is there to facilitate enhancing the beneficiary’s life. That even though the trust may have started at the outset as a tax strategy or something that the grantor decided they needed to do with the advice of counsel. At the end of the day, you wouldn’t have been named as the beneficiary if there wasn’t some sense of love or obligation even, that it’s for your benefit. It’s in the name. Beneficiary. Trustees need to understand that and beneficiaries need to be taught. Frazer Rice (36:54.958)Right. Frazer Rice (37:00.646)And it goes to the circle back to the notion of making sure that you write down the whys of the decision because ultimately if the concepts of favoritism or you didn’t communicate this or anything, the idea of having the beneficiary submit a budget but having them understand why they are submitting a budget and then if there is some discretion that’s happening around that decision that the data points that are informing that discretion, that’s gonna keep everybody safe a lot later on. Jennifer Zelvin McCloskey (37:32.666)Absolutely. I break it down into a couple of different factors. It’s fiduciary decision making. How is that fiduciary making the decisions they’re making? Why are they making those decisions? And who is being affected by the decisions? Document interpretation. Do you understand the document that you’re administering? If you don’t understand the document you’re administering, hopefully best case scenario, you know what you don’t know and you ask. But if you don’t understand the document and you don’t even have the wherewithal to say, hey, I need help to understand the document, it’s really problematic. The third part, balancing beneficiary interests. Really taking on board this idea of the principal income problem that all the assets in the trust are not the same. That some of it doesn’t at all in any way affect a certain class of beneficiaries. And at the same time, it’s inextricably intertwined in the way that it affects another class of beneficiaries. And then risk management and governance. How is this being governed? How are we managing perceived and actual risk as a trustee? Frazer Rice (38:40.13)The investment function, which I alluded to before, I see storm clouds on that horizon, not really at the RIA level, because I think there’s sort of a default mode that investment policy statements are in place. Diversification is a true commodity at this point. And I never really worry about an RIA sort of understanding how to invest to get to a certain expected return and deal with the risks and drawdown and all that stuff. The storm cloud I see is when individuals sit in that role and they are being tasked with, let’s call it quote unquote, overseeing concentration, meaning that trust is holding a building, farmland, a nuclear reactor, crypto, all of these different things that sometimes can be, A, they have their own different maintenance responsibilities that are not just looking at a fidelity statement, but that they also have their own volatility And, you know, in the case of a building, you got to make sure it’s managed correctly. are they going to get sued or the windows kept up, all of that stuff, and that there’s a whole different component there. And I’m waiting for the shoe to drop on some fact pattern there where somebody is sitting in the role of an investment advisor. It doesn’t say trustee in the document, so they don’t really think that they have trustee liability. But. they sit in that role and all of a sudden somebody finds 10 55 gallon drums of green fluid in the basement of a building and all of a sudden the trust has a big set of red brackets that say minus $100 million that you owe to the federal government and the EPA. How do you think about that? Jennifer Zelvin McCloskey (40:21.454)Hmm. Jennifer Zelvin McCloskey (40:25.242)That’s a heavy question. so the Delaware stock answer, obviously, direct it, right? It’s just to get the trust, cut off the liability. At the first, at the inception of your hypothetical is bad drafting, right? So if there’s no statement as to whether or not your investment advisor is acting as a fiduciary or not, Frazer Rice (40:35.042)Right. Jennifer Zelvin McCloskey (40:52.836)What does your statute say? Does your statute impose that they are as a default a fiduciary or not? So that’s the very first step. That’s bad drafting. We need to know. But if it’s silent, let’s say it’s just a lousy document, there’s, God knows. Anybody who’s seen trust documents knows that, you’ve seen them all, right? And everything in between. Some are good, some are bad. If this is a bad one. Frazer Rice (41:13.08)Seen good and you’ve seen bad. Jennifer Zelvin McCloskey (41:20.079)Then we need to document the statute. If we can correct it, modify the document, let’s modify it. But if all of that can’t happen, then I would say the best way to handle it, make sure you have adequate insurance. mean, over-insure that, over-insure it. Make sure that there’s regular checks on the actual… Assets that are in the trust, if you have a concentration and that concentration is real estate, get the advice of counsel, put that bad boy into an LLC, get yourself some distance from the actual asset itself being held in the trust, hold an interest, hold a financial interest, push it down to the corporate level. But if you can’t do all of that and you’ve got those 500 gallon drums of green fluid and now you’re… Frazer Rice (42:14.286)You Jennifer Zelvin McCloskey (42:15.371)You you’ve got a super fun site. What do you do? You don’t shy away from it. Have to address it head on. You got to take the accountability. You got to communicate and document, communicate and document some more. Talk to your beneficiaries. Make sure that they’re aware of where it went wrong, why it went wrong. Because I have found in my exposure in the industry over time and in reading case law, it’s when you’re trying to cover stuff up. Frazer Rice (42:43.913)Jennifer Zelvin McCloskey (42:44.027)You’re just making more problems. Bad news doesn’t age well. It doesn’t get better over time. You have to approach it head on and make sure that there’s communication and documentation. Meet with your beneficiaries. If there’s a trusteeship where you are appointed as a trustee individually and you’re not having at least quarterly meetings with your beneficiaries, If you’re not going out and seeing the asset, if you’re not going out and making sure that the asset is properly custodyed, you’re not, you’re violating your fiduciary duty. You are not doing what you’re supposed to do. Frazer Rice (43:21.804)You brought up an interesting word there, custody, which is the administrative function, whether held corporately or individually, one of the major things you have to do is to safeguard the assets. And that’s a big two syllable word that carries a lot of weight with it. That custodial function, how do you teach the trust officers or the individual trustees where that starts and stops? Jennifer Zelvin McCloskey (43:48.579)Yeah, mean, custody is super, it’s a really touchy, touchy subject, especially with the dynamic way that trusts have developed in the current climate from tangibles. You know, I’ve got artwork and my beneficiary wants to hang the artwork in their house. Well, do you have custody? Has it been assigned to the trustee and how do you maintain that asset? Make sure nothing’s happening to it. Do make an appointment, go over to the, visit your artwork? What if it’s prize horses, you know? What if it’s, you know, a stud that, you know, we’re gonna need to breed and it’s gonna be the next Triple Crown winner? How do you make sure that the barn is properly safeguarded? It’s a really touchy subject, especially with things like tangibles and things like assets held away when you technically custody the asset, but you don’t have control over the asset. I think in the education part for custodying, what I do in my programs and when I teach this is I make sure that we talk about different types of asset classes. And what the risks, again, what are the risks that you run with these asset classes? How can we manage the actual and the perceived risk of holding that asset? Even if you have custody and name only, but you don’t have physical custody, how do you maintain your control over that asset? Because it’s really the C’s, right? The custody and control. Just because you don’t have custody doesn’t mean you don’t have control. So we have to make sure that there’s an education that’s provided about the different asset classes, whether it’s tangibles, intangibles, assets held away, if it’s a concentration of stock, if it’s crypto, and most trust companies are not taking crypto. I think that there’s like a circuitous way that they’re getting in right now, but it all boils down to education, isolating what the issue is and educating people on it. Frazer Rice (45:59.586)I’ll give you a third C, it’s consequences, which is what happens when you don’t understand these functions. on the crypto side of things, Jennifer Zelvin McCloskey (46:01.786)Uhhh Frazer Rice (46:11.544)Holds the key to get to the crypto. What happens if that trust officer quits and walks away with the key and they’re like, well, multi-sigil figure this out. I’m like, okay, that’s not that. That doesn’t make me feel great at the moment. And now there have been some advances, which is good, but traps for the unwary to be sure. the good news too for crypto is for people who want exposure, the spot ETFs take away 90 % of the problems with that. But as we start to think about winding down here, because I have a feeling we could probably talk for four or five hours on this subject, when putting your programs together, what does a curriculum look like? And we don’t have to go through it bit by bit, but how does that work when someone comes to your program? How much time does it take? What’s the commitment? Jennifer Zelvin McCloskey (46:47.172)Yeah, I think so. Frazer Rice (46:54.851)Mm-hmm. Jennifer Zelvin McCloskey (47:06.33)So the program that I created that’s really available anywhere across the country is called the Peak Trust Management Certificate Program. Peak Trust Company, may be familiar with it. They have name rights because they gave the donation to the University of Delaware for me to build the program. So it’s housed at the Lerner College at the University of Delaware, but bears the name of Peak Trust Company. I look at five different things. The first thing is trust law and administration. So like I said previously when we were talking, you lay that foundation of what is the legal component of this? What is the baseline that people have to know? And then what is the administration? The second component is, and it’s inextricably intertwined as taxation. What is the income tax? What are the deductions? And now let’s take all of that income tax knowledge, individual income tax knowledge, and build on it with fiduciary income tax. What is DNI? What is FAI? How does it go out to the beneficiary? What’s the character of the distribution? How do we manage that? What are we deducting in the trust? So teaching taxation and not because trustees necessarily are tax preparers, but because the trustees obligation is to be able to understand and read that tax return, they need to know how to spot problems. So from my perspective, teaching fiduciary income tax is a critical component. It also helps. Yeah. Frazer Rice (48:38.828)No, no, I was gonna say no question about that. And there are elections to make, just because it doesn’t just go on autopilot, there are choices to be made so that if you’re the trustee, you may not have to prepare the tax return, but you may have to make a choice on the tax return and you’ve got to be informed because that can be an issue. Jennifer Zelvin McCloskey (48:58.651)65 day elections, perfect example, right? You just, you need to understand what your role is and how it overlaps with that of the CPA. The third part, of course, investments. Investments are inextricably intertwined, whether you’re doing it yourself as the trustee or you’re directed or even delegated, which is like the hairy scaries of every trusteeship known to man, because you’re not actually in control, but you’re responsible. So it’s the gray. When I build a program, because of the, you know, the directed trusteeship being so popular in today’s day and age, we have to talk about not just investments of, you know, marketable securities, not just the custody of tangibles, but also subscription documents, because so many alternatives are held in trust right now. unique assets, need to know how the trustee is actually carrying out their fiduciary duty when it comes to engaging in an investment that is an alternative investment. The fourth component is of course compliance. We cannot ever get away from compliance and I think we could do a whole nother podcast on compliance in trusteeship but. You know, it’s a regulated entity. And even if you’re an individual trustee and you’re not using what those compliance frameworks are, what the guidelines are by OCC, Reg 9, FDIC, if you’re not looking at that and using that as a guideline, don’t do the job. understanding KYC, BSA, AML, all of those compliance components that have tentacles. That’s the fourth part. And then for the fifth part of this program, because it’s specifically geared toward trustee education in trust companies, although it can be applicable, very applicable to individuals, is operations. I was very fortunate that I was able to partner with SCI on building the operations component. So we license their platform called Plato. It’s essentially their training platform. Jennifer Zelvin McCloskey (51:12.888)so that trustees can see how fees are set up, fees, that’s a whole other podcast, fees, statements, distributions, how are we doing this? How are we documenting everything? What are the logistics of the day-to-day operations? So that’s how I built the program and it’s available anywhere in the country. It’s 10 weeks, how long does it take? I would say from three to five hours a week of an investment that you’re making at a bare minimum. Obviously there’s a whole lot more of depth that you can go into. The resources are built in. But I would say 10 weeks, about 50 hours of time where you’re actually engaging with the material. And then I bring in guest lecturers on each different area of expertise for lack of a better description. And they get a certificate at the end, they get a digital badge, and now they really have something where they can add value day one in a trust company or as a trustee. Frazer Rice (52:17.902)With Delaware being, you one of the real gold standards as far as trust jurisdiction, I assume that everything that comes out of this program is pretty transportable to the other useful jurisdictions, let’s call it, within the country. know, the Tennessee’s, the South Dakota’s, the Nevada’s, the Alaska’s, Wyoming’s, New Hampshire’s, et cetera. Obviously, there are hairs to split with different foibles in their law, but everything that you’re describing sounds like works everywhere else. Jennifer Zelvin McCloskey (52:47.928)And I’ve always taken the approach, you’re 100 % correct, I’ve always taken the approach of UTC. I base everything off of UTC and if there’s something different or unique based upon the jurisdiction that you’re in, I always encourage people you have to look at your statute, you have to look at the jurisdiction that you’re actually practicing this in and administering in. I use Delaware, South Dakota, Alaska as examples quite often when we’re talking about the directed stuff, but By and large, it’s UTC. Frazer Rice (53:20.966)It just a weird subset. So special needs trusts and islets, which are two types of trusts, very specific. One holds life insurance. The other is designed to really take care of people who can’t take care of themselves. And they are types of trusts that a lot of trust companies don’t like to take on because the liability is harder or the profit margin is less. For those individuals who get the opportunity to participate in those and I put that in air quotes. How would you advise people to get ready for those types of situations? Jennifer Zelvin McCloskey (53:58.308)People who are in need of those types of trusts. Frazer Rice (54:02.122)Well, maybe both. The people who need those trusts, you know, they’re going to, they, you know, it’s almost like they get set up and then the staffing gets kind of figured out later, barely. And then, you know, the, for the people who end up taking on that role, they really have no idea of what they’re in for in a sense. Is there sort of like a mini, I’m not going to say a full course like you’re describing, but a crash course in, in what’s going on here and what can I do to keep myself safe? Jennifer Zelvin McCloskey (54:30.271)Unfortunately, no, I don’t know of one. and there isn’t much built in. there’s, we talk about a little bit in the program that I built, but, those are specialized and eyelets we talk about a little bit more there, you eyelets had their day and sort of they has done ish. but special needs trust. It’s a whole other ball game because It really incorporates state law and social security and Medicaid, all of those government benefits that I think you would need something more specialized than my program that I developed. And I don’t have a great answer for that, I’m sorry. Frazer Rice (55:12.482)No, there’s not a great answer for it because it’s tough. it’s a, all of which is to say for someone who’s involved with those things and feels confused by what’s going on, that’s one where it’s worth it to spend the money to lean on a dedicated Medicaid elder care, special needs type of lawyer on that front because there are traps for the unwary. Okay, now we’re starting to butt up against an hour here of. Jennifer Zelvin McCloskey (55:29.764)Yes . . . Frazer Rice (55:38.827)Four hours. No, I’m kidding listeners. We’re not going to talk for four hours, but How do people find your program and and then I’ll ask a bonus question at the end Jennifer Zelvin McCloskey (55:49.339)So the program is on the University of Delaware’s website. You just type in peak trust management certificate and it’ll pop up. My name will be there. I think my picture might be there. It’s all over my LinkedIn. So if you look me up, you’re going to see the peak trust management certificate program. You can always email me, jennifer at zeldenlaw.com. Happy to push people into it. start, I’m in the new cohort right now. We’re two weeks into a 10 week program. But we have a new cohort starting in May. I think it’s May 4th. So may the fourth be with you. Frazer Rice (56:24.622)Terrific. So the final question here is really more of a crystal ball question. In this trust industry, trustee industry, what are the real, I’m going to say opportunities out there, and we’ve sort of painted a picture of doom and gloom and its low profit margin and things like that. Where can someone who is thinking from a business perspective about this find something? Once they’re properly educated about it and being able to participate in it. Jennifer Zelvin McCloskey (56:57.582)There are so many opportunities. There is an absolute need for good trustees everywhere. Trust companies from coast to coast, individual trustee alliance. People really, really need trustees. There’s tremendous opportunity with Heritage Institute, not the Heritage Foundation, but the Heritage Institute. There’s opportunities with…various family offices and various trust companies for education, for beneficiary education. So many opportunities out there. Trust companies are just clamoring for people. So if people are interested in becoming a trustee, getting that education, you will not have a hard time finding a job. Like you said, it’s basically recession proof. This wealth is going to transfer. We need sophisticated, knowledgeable trustees. on the receiving end of that transfer so that it happens correctly. Frazer Rice (57:56.578)I’d go so far as to say financial advisors. I just gotta say, a CFP is useful, CFA is on your investment side, but something like this, you know so much more about how intergenerational wealth works than what’s happening in those particular situations that I think it helps people stand out when I see something like that on a resume. Jennifer Zelvin McCloskey (58:00.302) “THE TRUSTEE CRISIS: Navigating the Challenges”That’s all the podcast. I hear you. I hear you. Frazer Rice (58:24.386) “THE TRUSTEE CRISIS: Navigating the Challenges”All right, with that, Jennifer, it’s great to catch up and I will have all of your information on the show notes and I will either see you at the ITA conference in Dallas or what I’m down in Delaware next. More Around “THE TRUSTEE CRISIS: Navigating the Challenges” BUILDING A TRUST COMPANY TENNESSEE AS A JURISDICTION DIRECTED TRUSTEES DELAWARE WELL BEING TRUST THE TRUSTEE CRISIS: Navigating the Challenges https://www.amazon.com/Wealth-Actually-Intelligent-Decision-Making-1-ebook/dp/B07FPQJJQT/ Keywords for THE TRUSTEE CRISIS: Navigating the Challenges trusteeship, wealth transfer, trust management, fiduciary duties, trust education, estate planning, risk management, trust administration, individual trustees, trust companies, the trustee crisis, navigating the challenges, the great wealth transfer,

Get all the inside secrets and tools you need to help you develop your intuitive and leadership skills so you are on the path to the highest level of success with ease. In this follow-up episode, Jennifer shares how building self-trust in small steps, and creating clarity activates your true unstoppable voice.In this episode you will learn:Your Voice Strengthens When Your Energy Is Clear Confidence Is Built in doingFrom Reactor to CreatorIf you are ready to start reaching your goals instead of simply dreaming about it, start today with 12minutegift.com!Grab your FREE meditation: Reduce Your Anxiety MEDITATIONAre you ready to tiptoe into your intuition and tap into your soul's message? Let's talkListen in as Jennifer Takagi, founder of Takagi Consulting, Certified High Performance Coach, 5X time Amazon.Com Best Selling-Author, Certified Soul Care Coach, Certified Jack Canfield Success Principle Trainer, Certified Professional Behavioral Analyst and Facilitator of the DISC Behavioral Profiles, Certified Change Style Indicator Facilitator, Law of Attraction Practitioner, and Certified Coaching Specialist - leadership entrepreneur, speaker and trainer, shares the lessons she's learned along the way. Each episode is designed to give you the tools, ideas, and inspiration to lead with integrity. Humor is a big part of Jennifer's life, so expect a few puns and possibly some sarcasm. Tune in for a motivational guest, a story or tips to take you even closer to that success you've been coveting. Please share the episodes that inspired you the most and be sure to leave a comment.Official Website: http://www.jennifertakagi.comInstagram: https://www.instagram.com/jennifertakagi/Facebook: facebook.com/takagiconsulting I look forward to connecting with you soon,Jennifer TakagiSpeaker, Trainer, Author, Energy HealerPS: We would love to hear from you! For questions, coaching, or to book interviews, please email my team at Jennifer@takagiconsulting.com

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On the podcast: what the explosion in new apps means for the market, how the top 10% of apps grew 306% while the median barely beat inflation, and why hard paywalls convert 5X better than freemium.This conversation is focused on RevenueCat's State of Subscription Apps report. Head to https://www.revenuecat.com/state-of-subscription-apps to download the report.Top Takeaways:

In this episode of the Building Freedom Podcast, Randy Stanbury shares key insights from an on-site coaching visit with a construction company currently around $10M in revenue and aiming for $25M.The biggest realization? Most builders approach marketing and sales in a way that maintains their current level of business rather than driving exponential growth.Randy walks through a simple exercise to break down your revenue, project types, and sales capacity to uncover what it would actually take to 5X or 10X your business and why the right people, clear metrics, and focused sales roles are essential to getting there.If you like what you're listening to, we would love it if you could give us a 5-star review! This will help us know we are giving you what you need to grow and succeed as an entrepreneur. Please reach out to us on social media or through our website with other information you might want to hear on upcoming episodes!https://www.4levelsystem.com/https://www.instagram.com/4levelcoach/https://www.facebook.com/4LevelCoach/https://www.linkedin.com/company/4-level-coach

Travis Chappell breaks down the limits of traditional personal finance advice in a solo episode, explaining why cutting expenses alone won't build real wealth—you need to aggressively increase your income to outpace inflation, unexpected life costs, and the dream of true financial freedom. On this episode we talk about: Why budgeting and saving hit a ceiling at zero expenses, but earning more income is unlimited and the real path to wealth. Life's endless surprises (roofs, transmissions, family emergencies, kids' activities) demand far more money than any budget predicts. Inflation's silent killer effect: $1.2M in 30 years from $100/month investing could spend like just $250K-$450K after real-world price doubling. The Rule of 72: S&P doubles every ~7 years at 10% returns, but 3% inflation doubles prices every 24 years (or faster in reality). Side hustles that scale (Uber, flipping, landscaping) + skill-building for 5X income jumps to hit your "freedom number" faster. Top 3 Takeaways 1.  Double the nest egg you think you need—live off just 4-5% annually to preserve principal against inflation and longevity.2.  $200/month grows to ~$400K nominal in 30 years (10% returns), but inflation-adjusted it's ~$150K; bump to $1,200/month for $2.4M.3.  Acquire monetizable skills, knowledge, and relationships—recessions can't touch them, but they'll 5X your income trajectory. Notable Quotes "You will always need more money than you think you're going to need. Life has a way of demanding more from you than you expect." "The most delta you could ever create would be $80K a year... the only thing left is your ability to go earn more income." "Inflation is going to quietly murder your comfort, your nest egg." "If you extract the meaning from your life... eliminating work from your life is a fast path to dying sooner." "The only path to creating exponential increases in your earned income is through skills that you do not currently have." Connect with Travis Chappell:   LinkedIn: https://www.linkedin.com/in/travischappell   Twitter/X: https://twitter.com/traviscchappell   Instagram: https://www.instagram.com/traviscchappell   Other: https://travischappell.com (Website & Podcast) ✖️✖️✖️✖️

In this episode, Libby sits down with advisor Matt McManus to unpack exactly how he 5X'd his business in five years. But this isn't a story about flashy marketing funnels or viral social media. It's about clarity, community, and connection. If you've been wondering what's actually working in 2026 to attract ideal clients, this conversation is packed with practical, affordable, relationship-driven ideas you can implement right away.Here's what you'll learn:Why niching into first responders (ages 48–60, at or near retirement) changed everything — and why you don't have to pick a niche on day one The 12 (plus 1 bonus) guerrilla marketing strategies Matt uses every year — from retirement workshops and recognition programs to appreciation weeks and surprise station drop-offs How to turn sporting events, client appreciation suites, and community dinners into natural referral engines without making it awkward Why vulnerability, wellness conversations, and sharing your personal journey can build deeper trust than credentials ever will One of the biggest takeaways? This growth didn't happen overnight. Matt didn't launch all 12 strategies at once. He systematized one, then layered in the next. He blocked them on the calendar in advance. He aligned them with his ideal client avatar. And he focused on showing up shoulder-to-shoulder with his community instead of sitting across the table trying to sell.If you're heading into this year wondering how to create real momentum, this episode is your reminder that relationships still win. Get organized, get intentional, get involved — and watch what happens when your community starts seeing you as one of their own.Follow Matt McManus HERE! Learn more about the Group Coaching & Mastermind HERE! Check out The First 100 Days Course: The Advisor's Blueprint for a Remarkable Client Experience HERE!Learn more about Asset-Map financial planning software HERE! Learn more about our sponsor Beemo Automation HERE! Check out the Efficient Advisor YouTube Channel HERE!Connect with Libby on LinkedIn HERE!Successful businesses don't get built alone. You need community! You need collaboration! Join us in The Efficient Advisor Community on Facebook.

Get all the inside secrets and tools you need to help you develop your intuitive and leadership skills so you are on the path to the highest level of success with ease. In this inspiring conversation, Jennifer and Ly explore how mastering self-talk, embracing your “Unstoppable Voice,” and shifting from reactive to creative living can unlock your genius, gifts, and greatnessIn this episode you will learn:Silence the Inner Critic to Unlock Your Voice Move from Reactor to Creator Activate Your 3Gs — Genius, Gifts, and Greatness About Ly:Ly Smith is an inspirational speaker, best-selling author, and creator of The C.A.N.D.Y. Method. She empowers women entrepreneurs and professionals to shift their inner self-talk, build confidence, and take bold action in leadership and life.www.g3mastermind.comwww.facebook.com/g3mastermindwww.instagram.com/g3mastermindwww.linkedin.com/in/g3mastermindwww.youtube.com/@g3mastermindwww.talk.co/lyIf you are ready to start reaching your goals instead of simply dreaming about it, start today with 12minutegift.com!Grab your FREE meditation: Reduce Your Anxiety MEDITATIONAre you ready to tiptoe into your intuition and tap into your soul's message? Let's talkListen in as Jennifer Takagi, founder of Takagi Consulting, Certified High Performance Coach, 5X time Amazon.Com Best Selling-Author, Certified Soul Care Coach, Certified Jack Canfield Success Principle Trainer, Certified Professional Behavioral Analyst and Facilitator of the DISC Behavioral Profiles, Certified Change Style Indicator Facilitator, Law of Attraction Practitioner, and Certified Coaching Specialist - leadership entrepreneur, speaker and trainer, shares the lessons she's learned along the way. Each episode is designed to give you the tools, ideas, and inspiration to lead with integrity. Humor is a big part of Jennifer's life, so expect a few puns and possibly some sarcasm. Tune in for a motivational guest, a story or tips to take you even closer to that success you've been coveting. Please share the episodes that inspired you the most and be sure to leave a comment.Official Website: http://www.jennifertakagi.comInstagram: https://www.instagram.com/jennifertakagi/Facebook: facebook.com/takagiconsulting I look forward to connecting with you soon,Jennifer TakagiSpeaker, Trainer, Author, Energy HealerPS: We would love to hear from you! For questions, coaching, or to book interviews, please email my team at Jennifer@takagiconsulting.com

Most real estate agents plateau at 25–30 transactions because their CRM isn't built to run a business — it's built to manage contacts. If your CRM can't handle lifecycle automation, custom pipelines, and post-closing relationship continuity, you will eventually hit a ceiling.In this episode, I break down:Why high-producing agents outgrow brokerage CRMsThe hidden cost of tech stacking multiple platformsThe 5 pillars every scaling CRM must haveHow to protect your 6-figure repeat and referral businessWhat an all-in-one real estate operating system should look likeIf you're doing 20–40 deals per year and want to scale without chaos, this is for you.0:00 CRM overload at 20–30 deals 0:40 Intro: Jeremy Kane + why CRM is the cornerstone 1:12 My journey (no CRM → bouncing CRMs) 2:30 The tag problem + brokerage CRM limitations 3:20 Why you're losing money after the transaction 4:35 Meeting Adam Gillespie 5:05 Building Carbon Collective by Lofty 6:57 Customizing for top producers (30–100+ homes/year) 9:23 Buyer vs seller automations (smart plans) 11:10 Past client system + relationship continuity 12:42 How to get Carbon Collective by Lofty / next steps 15:58 Final CTA (comment “CRM” / DM / call)

Get all the inside secrets and tools you need to help you develop your intuitive and leadership skills so you are on the path to the highest level of success with ease. We often think aging is a given and we have no control. You have more control than you think!In this episode you will learn:You can be younger next year - book by Chris Crowley and Dr. Henry S. LodgeWho do you want to be?DECIDE TODAY - if you need help, book that call!If you are ready to start reaching your goals instead of simply dreaming about it, start today with 12minutegift.com! Grab your FREE meditation: Reduce Your Anxiety MEDITATIONAre you ready to tiptoe into your intuition and tap into your soul's message? Let's talk Listen in as Jennifer Takagi, founder of Takagi Consulting, Certified High Performance Coach, 5X time Amazon.Com Best Selling-Author, Certified Soul Care Coach, Certified Jack Canfield Success Principle Trainer, Certified Professional Behavioral Analyst and Facilitator of the DISC Behavioral Profiles, Certified Change Style Indicator Facilitator, Law of Attraction Practitioner, and Certified Coaching Specialist - leadership entrepreneur, speaker and trainer, shares the lessons she's learned along the way. Each episode is designed to give you the tools, ideas, and inspiration to lead with integrity. Humor is a big part of Jennifer's life, so expect a few puns and possibly some sarcasm. Tune in for a motivational guest, a story or tips to take you even closer to that success you've been coveting. Please share the episodes that inspired you the most and be sure to leave a comment. Official Website: http://www.jennifertakagi.comInstagram: https://www.instagram.com/jennifertakagi/Facebook: facebook.com/takagiconsulting I look forward to connecting with you soon,Jennifer TakagiSpeaker, Trainer, Author, Energy HealerPS: We would love to hear from you! For questions, coaching, or to book interviews, please email my team at Jennifer@takagiconsulting.com

Most agents won't survive 2026. And it won't be because of AI or the market. It'll be because they never actually learned how to build real trust with their clients.In this episode, I break down the ONE thing that will determine whether you succeed in real estate in 2026 — and it has nothing to do with your CRM, brokerage, or marketing.The real estate industry is changing fast. AI is everywhere. Automation is normal. Consumers are smarter than ever. Commission pressure is real.When information becomes free and marketing becomes commoditized, the only thing that separates agents is character.In this episode, we break down: • Why transactional agents will struggle in 2026 • The difference between selling and advising • How caring actually becomes a competitive advantage • The CARE framework for building long-term trust • How to turn relationships into predictable incomeIf you're serious about building a real estate business that compounds — not just chasing the next deal — this is for you.⏱ TIMESTAMPS 0:00 – Most Agents Won't Survive 2026 0:19 – The One Adjustment That Changes Everything 0:52 – The One Thing You Need in 2026: Care 1:13 – Will AI Replace Agents? (Real Talk) 1:54 – The Expert Isn't the Solution — Care Is 2:31 – My Listing Appointment “No CMA” Approach 3:16 – AI Has No Empathy (Why That Matters) 3:28 – What Caring Actually Means (Real Example) 6:12 – 2026: Higher Standards, Less Transactional 9:49 – The CARE Framework (Consult, Advise, Relationships, Extend) 15:42 – 2026 Rewards Trust (Not Noise) 16:03 – Next Video: CRM That Supports This 16:12 – Final Recap + Outro

In This Episode Guest:Chris Van DusenMarketing & Sales | Private Equity | Corporate StrategyChris Van Dusen is a marketing and growth professional with extensive early-stage and capitalization experience. He is the founder of Parcon Media (now Parcon LLC), former Chief Growth Officer of Balanced Health Botanicals, and a key growth partner behind Surf City Still Works.About Chris Van DusenChris launched Parcon Media and scaled it to $1.5M in top-line revenue in under two years before merging into what is now Parcon LLC. The agency worked with brands including Travis Mathew, Experian, University of California Irvine, University of California Office of the President, and Maglite.As Chief Growth Officer of Balanced Health Botanicals (BHB) in Denver, CO, Chris allocated and deployed a ~$20 million marketing budget to democratize CBD and scale BHB into the largest supplier of hemp-derived CBD globally. His strategy fueled massive DTC and brick-and-mortar growth through 2019 and navigated the shifting COVID-19 landscape in 2020—culminating in a $75M sale to Village Farms (NASDAQ: VFF) in August 2021.Simultaneously, Chris helped scale Surf City Still Works in Orange County, CA. He expanded marketing, retained Southern Glazer's Wine & Spirits (the largest spirits distributor in the U.S.), raised $3.7M in capital, and moved operations into a 25,000 sq ft manufacturing facility—the first of its kind in Orange County. He also built a world-class advisory board including Bob McKnight (Founder of Quiksilver) and Travis Brasher (Founder of Travis Mathew), leading to a merger with Kimo Sabe, a Los Angeles-based mezcal company.Chris holds a Bachelor's degree in Economics from the College of William and Mary. He has served on boards including the Orange County Museum of Art (OCMA) and the Irvine Public Schools Foundation (IPSF). He is a member of Entrepreneur's Organization (EO), Young Executive Council (YEC), a National Board member of Alder, and has previously been a member of PTTOW!. Chris frequently speaks on marketing, growth, product-market fit, and brand building.What you'll learn in this episode:● Why truly understanding your customer is the foundation of scalable growth● How conversion rate optimization can 5X your ROI without increasing ad spend● The difference between lifestyle businesses and venture-scale companies● What venture capital investors actually look for before writing a check● Why focus beats chasing every opportunity● How discipline, grit, and “doing hard things” build elite entrepreneurs● The balance between confidence and coachability in leadershipConnect with Chris Van DusenInstagram: https://www.instagram.com/chrismvandusen/?hl=enTikTok: https://www.tiktok.com/@chrisvandusenYouTube: https://www.youtube.com/@officialcvdFacebook: https://www.facebook.com/christophervandusenLinkedIn: https://www.linkedin.com/in/chrismvandusen/ To find out more about Dan Rochon and the CPI Community, you can check these links:Website: No Broke MonthsPodcast: No Broke Months for Salespeople PodcastInstagram: @donrochonxFacebook: Dan RochonLinkedIn: Dan RochonTeach to Sell Preorder: Teach to Sell: Why Top Performers Never Sell – And What They Do Instead

Nelver - Proud Eagle Radio Show #612 [Pirate Station Online] (18-02-2026) ✅ Subscribe to Telegram channel: https://t.me/nelvermusic All episodes: https://band.link/proudeagle YouTube Video: https://youtu.be/PacPGJR8ro8 Tracklist: 01. SKIYE - Smoke & Mirrors 02. Dub Elements - Connected 03. John Newman - Love Me Again [Again] (Arcando Remix) 04. Fourward - Take Me Away 05. [IVY] & Adalaide Adams - Oxygen 06. ONIT - The Countdown 07. Touch Point - Lose Control 08. 5X & F3NG - Who Dis 09. Disaszt - Like It Fast 10. Dr. Apollo - Turn The Crowd Up 11. bassmicrobe - keep missing 12. Counter Culture - Ramp 13. [BORDERS] & Tyr Kohout - Two Voices (feat. flowanastasia) 14. BINARY DREAMS - Feels Like 15. Fourward - Show Me Love 16. Premonition - Pangea (Enta Remix) 17. Mykool - Closing In (Skyfade Remix) 18. Transcend - Coming Back 19. Pola & Bryson - Magic 20. Wreckless & Philth - Clockwork 21. BSA - Gnawed Feelings 22. Noisia - Thursday (Zombie Cats Remix) 23. SQUARE.EYES - Mirror Mouth 24. Slynk - Kick It (Fire At Will Remix) 25. Yatuza - Demise 26. denshino - Exploration 27. NC-17 & Philth - Blood Brothers 28. M-Zine & BassDubbers - Scatty 29. Brook - Bark (VIP) 30. phasebound - Older 31. Mythic Image - Dogma 32. Rebel Cause & Definate - The Last Call 33. Sam Space - Memories 34. Whychek - Dark 35. Inva - What U Want 36. Molecular - Cold Classic 37. Louis Leon - The Infinite 38. Omen - Seduction 39. Nelver - Flicker 40. TENEM - Serious 41. Jay Dubz - Equilibrium 42. Mystic State & Drytek - Fall Into You 43. Nelver - Start Key 44. Nelver - Call Me Up 45. Echomatics - Silver Lining 46. Omen - Smoke & Mirrors 47. hexpin - Crystaline 48. Pola & Bryson - Temple Stomp 49. ArpXP - Palm Trees 50. Subsid - Chevalier 51. Grecker - Daylight Rhythm 52. Nelver & Pro Luxe - Aspiration 53. PLTX - Endless Night 54. Natty Lou - Let The Music Guide You (feat. Hollie Gautiér) 55. Ruby - Can You Hear Me 56. Neuron - Only Us 57. Nelver - North Station 58. Keeno - Take A Moment 59. Nelver & LaMeduza - Your Spell 60. Bluefootjai - Destiny 61. Nelver - The Flight Weekly updated Playlist "Proud Eagle" on Spotify: https://bit.ly/4ncuv3g Follow Nelver: https://www.instagram.com/nelvermusic/ https://vk.com/nelver https://spoti.fi/2ThGKDT https://soundcloud.com/nelver https://www.facebook.com/nelverdnb/ https://www.mixcloud.com/Nelver/ https://twitter.com/Nelvermusic #nelvermusic #drumandbass #newmusic #electronicmusic #dnbculture #vibes #mood #exclusive #trending #viral #proudeagle

Get all the inside secrets and tools you need to help you develop your intuitive and leadership skills so you are on the path to the highest level of success with ease. Carla explores menopause as a Second Spring, guiding listeners to reclaim purpose, vitality, and confidence. In this episode you will learn:Menopause is a Second Spring, not a declinePurpose and vibrancy are created through intentional self careFuture-Casting rewires your brain for empowermentAbout Carla:Carla Wainwright is a Holistic Wellness Coach, Sexual Awakening Facilitator, and Midlife Alchemist who helps women 40+ reclaim their energy, clarity, and confidence so they can lead and live with purpose. Her work blends metabolic health strategies, nervous system regulation, and feminine embodiment to support women in feeling strong, resilient, and connected to their pleasure and power.With a background in biology, homeopathy, and over two decades of experience in the healing arts, Carla bridges the science of the body with the sacredness of lived experience. Her work helps women shift from surviving to thriving - by listening to the body's signals, reawakening desire, and embracing midlife as a powerful rite of passage.Carla leads retreats, group programs, and 1:1 coaching to guide women back to their vibrancy and radiance.Contact Carla: Free Gift & Website: https://vibrancyreset.com/Instagram: https://www.instagram.com/carlawainwright/Facebook: https://www.facebook.com/CarlaWainwrightCreatrix/If you are ready to start reaching your goals instead of simply dreaming about it, start today with 12minutegift.com! Grab your FREE meditation: Reduce Your Anxiety MEDITATIONAre you ready to tiptoe into your intuition and tap into your soul's message? Let's talk Listen in as Jennifer Takagi, founder of Takagi Consulting, Certified High Performance Coach, 5X time Amazon.Com Best Selling-Author, Certified Soul Care Coach, Certified Jack Canfield Success Principle Trainer, Certified Professional Behavioral Analyst and Facilitator of the DISC Behavioral Profiles, Certified Change Style Indicator Facilitator, Law of Attraction Practitioner, and Certified Coaching Specialist - leadership entrepreneur, speaker and trainer, shares the lessons she's learned along the way. Each episode is designed to give you the tools, ideas, and inspiration to lead with integrity. Humor is a big part of Jennifer's life, so expect a few puns and possibly some sarcasm. Tune in for a motivational guest, a story or tips to take you even closer to that success you've been coveting. Please share the episodes that inspired you the most and be sure to leave a comment. Official Website: http://www.jennifertakagi.comInstagram:

Success wasn't the problem. The structure behind it was.Right now, many successful real estate agents are quietly leaving the industry — not because they failed, but because the business they built couldn't sustain the market shift.During the COVID years, real estate created a perfect storm for agents. Demand was high. Inventory was low. Speed mattered more than systems. Many agents earned more than ever before — but their business was built almost entirely on new transactions, not repeat clients or referrals.When the market slowed, the income changed faster than the structure did.In this episode, I break down why so many high-performing agents are stepping away right when they were close, what actually caused burnout, and why this moment doesn't mean starting over — it means rebuilding with intention.This isn't about hustle.It's not about motivation.And it's definitely not about failure.It's about sustainability.In this episode, we cover:The difference between agents who “can't hack it” and agents who quietly exit after successHow the COVID-era market rewarded speed over structureWhy businesses built on constant new business don't compoundHow burnout becomes a structural problem, not a personal oneWhy repeat and referral systems are still available — and often overlookedIf your business once worked but now feels fragile…If the income changed but the expenses didn't…If you're questioning whether this industry is still sustainable for you…This video is for you.This episode is part of the What Agents Need to Succeed in 2026 series — focused on clarity, stability, and longevity in a changing market.

Get all the inside secrets and tools you need to help you develop your intuitive and leadership skills so you are on the path to the highest level of success with ease. Hiring coaches opened my eyes to a world of opportunities. I share some of my journey in this episode.In this episode you will learn:Coaching moves you forwardCoaches draw out answersYou have options!If you are ready to start reaching your goals instead of simply dreaming about it, start today with 12minutegift.com!Grab your FREE meditation: Reduce Your Anxiety MEDITATIONAre you ready to tiptoe into your intuition and tap into your soul's message? Let's talkListen in as Jennifer Takagi, founder of Takagi Consulting, Certified High Performance Coach, 5X time Amazon.Com Best Selling-Author, Certified Soul Care Coach, Certified Jack Canfield Success Principle Trainer, Certified Professional Behavioral Analyst and Facilitator of the DISC Behavioral Profiles, Certified Change Style Indicator Facilitator, Law of Attraction Practitioner, and Certified Coaching Specialist - leadership entrepreneur, speaker and trainer, shares the lessons she's learned along the way. Each episode is designed to give you the tools, ideas, and inspiration to lead with integrity. Humor is a big part of Jennifer's life, so expect a few puns and possibly some sarcasm. Tune in for a motivational guest, a story or tips to take you even closer to that success you've been coveting. Please share the episodes that inspired you the most and be sure to leave a comment.Official Website: http://www.jennifertakagi.comInstagram: https://www.instagram.com/jennifertakagi/Facebook: facebook.com/takagiconsulting I look forward to connecting with you soon,Jennifer TakagiSpeaker, Trainer, Author, Energy HealerPS: We would love to hear from you! For questions, coaching, or to book interviews, please email my team at Jennifer@takagiconsulting.com

What if you could create $1,000 to $2,000 per month in cash flow from a single property and need just three homes to replace your W-2 income? Sam Wegert discovered this path 14 years ago when he started house hacking a single property. Today, he owns over 200 rooms across his co-living portfolio, all passively managed while he lives overseas. Co-living is when you buy a larger house and rent out individual rooms instead of the entire property. It's the difference between earning $250 a month from a traditional single-family rental and $1,000 to $2,000 from the same-sized property set up for co-living. From the Scale Your Co-Living Real Estate podcast and ScaleYourRealEstate.com, Sam Wegert shares how he turned a simple house hack into a six-figure business addressing affordable housing from the ground up. (Join his Free 5-Day Co-Living Challenge to learn how to develop the mindset that will take you to success as a CoLiving investor!) Listen to Episode 721 of the Side Hustle Show to learn: how co-living can produce 4-5X the cash flow of traditional rentals the formula for converting homes into profitable co-living spaces creative financing strategies to get started with minimal capital Full Show Notes: $1k a Month with your First Co-Living Property New to the Show? Get your personalized money-making playlist ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠! Sponsors: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Indeed⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ – Start hiring NOW with a $75 sponsored job credit to upgrade your job post! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Quo (formerly OpenPhone)⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ — Get 20% off of your first 6 months! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Shopify⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ — Sign up for a $1 per month trial! About The Side Hustle Show This is the entrepreneurship podcast you can actually apply! The award-winning small business show covers the best side hustles and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠side hustle ideas⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. We share how to start a business and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠make money online⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and offline, including online business, side gigs, freelancing, marketing, sales funnels, investing, and much more. Join 100,000+ listeners and get legit business ideas and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠passive income⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ strategies straight to your earbuds. No BS, just actionable tips on how to start and grow your side hustle. Hosted by Nick Loper of ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Side Hustle Nation⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

Recorded live at the NTL Summit in Miami, this episode features Angel Reyes, a Texas-wide auto and trucking attorney who shares the surprising origin story behind building a 33-year firm—starting with Spanish-language marketing and a leap into entrepreneurship. Angel breaks down the biggest marketing decision of his career: cutting legacy TV, billboards, and bus wraps to go 100% digital in 2018—leading to 5X growth in under seven years. He also touches on how SEO is evolving with AI, ethical client funding in Texas, and what it takes to scale without getting stuck in old strategies.

Get all the inside secrets and tools you need to help you develop your intuitive and leadership skills so you are on the path to the highest level of success with ease. In this episode Michelle Hammons shares her experience of over 7,500 hours of one on one coaching!In this episode you will learn:Coaching is Future-Focused Adult SupportThe Best Coaching helps you extract YOUR answersCoaching helps you reclaim controlAbout Michelle:Most high-performing leaders don't stall because of a lack of effort. They stall because their growth strategy hasn't kept pace with the demands they're facing.I work with executives, founders, and growth-minded leaders navigating scale, complexity, and constant change; helping them move from pressure to precision.With 7,500+ coaching hours across 26+ countries, I bring a rare blend of corporate leadership, entrepreneurial execution, and AI-enabled strategy, not theory, but applied frameworks that translate into momentum.My work spans Fortune-level environments, small business owners, and visionary leaders who want clarity, energy, influence, and sustainable performance. If you're leading through growth, transition, or reinvention and want strategic leverage without burnout—let's start a conversation.Connect with Michelle:LI: https://www.linkedin.com/in/michellehammons/Website: https://creativityplaybook.com/If you are ready to start reaching your goals instead of simply dreaming about it, start today with 12minutegift.com!Grab your FREE meditation: Reduce Your Anxiety MEDITATIONAre you ready to tiptoe into your intuition and tap into your soul's message? Let's talkListen in as Jennifer Takagi, founder of Takagi Consulting, Certified High Performance Coach, 5X time Amazon.Com Best Selling-Author, Certified Soul Care Coach, Certified Jack Canfield Success Principle Trainer, Certified Professional Behavioral Analyst and Facilitator of the DISC Behavioral Profiles, Certified Change Style Indicator Facilitator, Law of Attraction Practitioner, and Certified Coaching Specialist - leadership entrepreneur, speaker and trainer, shares the lessons she's learned along the way. Each episode is designed to give you the tools, ideas, and inspiration to lead with integrity. Humor is a big part of Jennifer's life, so expect a few puns and possibly some sarcasm. Tune in for a motivational guest, a story or tips to take you even closer to that success you've been coveting. Please share the episodes that inspired you the most and be sure to leave a comment.Official Website: http://www.jennifertakagi.comInstagram: https://www.instagram.com/jennifertakagi/Facebook: facebook.com/takagiconsulting

"Just checking in" is the fastest way to get ignored.In 2026, if your real estate business relies entirely on bothering people or burning cash on paid leads, you do not own a business. You are renting attention.In this episode, I dismantle the old-school sphere of influence advice. We move away from random, awkward check-in calls and replace them with a predictable Annual Review System.This shift positions you as a strategic wealth advisor instead of a desperate salesperson.I break down exactly how to structure the Annual Review call to add real value, even when home prices are flat, and why this is the single most powerful asset to stabilize your income in the shifting 2026 market.TIMESTAMPS 0:00 - The Problem with "Just Checking In" 1:03 - Why Paid Leads are Renting vs. Owning 5:22 - The Real Reason Most Sphere Systems Fail 8:01 - The Shift: Advisor vs. Salesperson 10:24 - The Annual Review System (Step-by-Step) 11:10 - How to Lead When Prices Are Flat 12:09 - Connecting Your Sphere to Listing LaunchesJOIN THE REAL ESTATE AGENT PLAYBOOK Ready to build a scalable business without the burnout? https://bit.ly/3Neh4hu#RealEstateSphere #RealEstateSystems #JeremyKane #RealEstateCoaching #RealEstate2026

Most agents rush to the MLS the second they get a signed contract. In 2026, "List & Pray" is a strategy for failure. If you want to build a scalable real estate business, you need to stop rushing and start running your listings with intention.In this episode, I'm breaking down the exact 30-Day Listing Launch Strategy that separates top producers from the average agent. We cover why speed kills your leverage, how to communicate like a leader (not a salesperson), and the specific weekly workflow that builds momentum before the house even hits the market.This isn't just about marketing; it's about taking control of the outcome.TIMESTAMPS0:00 – Market shift + why listings still matter (intro/context)1:07 – The “List & Pray” problem (what broke when the market changed)3:33 – Why speed without structure fails (price-cut panic + being reactive)6:43 – The philosophy shift: longer DOM = opportunity (leverage brand + expertise)8:37 – The 30-day listing launch strategy (step-by-step weekly plan)11:25 – The weekly seller communication system (what you cover every week)12:36 – How to handle price reductions like a pro (metrics, proof, timing)13:14 – The refresh & relaunch tactic (price drop timing + re-marketing push)14:33 – What's next / outro (tease next video + CTA)

In this episode, Sam and Taavo from CEO Advantage return to dive into the 5X CEO Assessment—a diagnostic tool developed from two years of research into top-performing private equity-backed CEOs who delivered 5x+ MOIC.The conversation explores how the 5X model—comprised of Strategic Clarity, Scalable Talent, Relentless Focus, Disciplined Execution, and Energized Culture—is used not just as a conceptual framework, but as a practical tool to evaluate and upgrade leadership team performance.

Get all the inside secrets and tools you need to help you develop your intuitive and leadership skills so you are on the path to the highest level of success with ease. Let's explore how your beliefs and internal money story influence every financial choice you make. In this episode you will learn:Early money stories shape your financial decisions today shifting your internal narrative can open the door to new possibilities of opportunity and abundance simple practices to realign your mindset If you are ready to start reaching your goals instead of simply dreaming about it, start today with 12minutegift.com! Grab your FREE meditation: Reduce Your Anxiety MEDITATIONAre you ready to tiptoe into your intuition and tap into your soul's message? Let's talk Listen in as Jennifer Takagi, founder of Takagi Consulting, Certified High Performance Coach, 5X time Amazon.Com Best Selling-Author, Certified Soul Care Coach, Certified Jack Canfield Success Principle Trainer, Certified Professional Behavioral Analyst and Facilitator of the DISC Behavioral Profiles, Certified Change Style Indicator Facilitator, Law of Attraction Practitioner, and Certified Coaching Specialist - leadership entrepreneur, speaker and trainer, shares the lessons she's learned along the way. Each episode is designed to give you the tools, ideas, and inspiration to lead with integrity. Humor is a big part of Jennifer's life, so expect a few puns and possibly some sarcasm. Tune in for a motivational guest, a story or tips to take you even closer to that success you've been coveting. Please share the episodes that inspired you the most and be sure to leave a comment. Official Website: http://www.jennifertakagi.comInstagram: https://www.instagram.com/jennifertakagi/Facebook: facebook.com/takagiconsulting I look forward to connecting with you soon,Jennifer TakagiSpeaker, Trainer, Author, Energy HealerPS: We would love to hear from you! For questions, coaching, or to book interviews, please email my team at Jennifer@takagiconsulting.com

Most real estate agents aren't failing — they're just busy in the wrong direction.In this episode, I break down why hard-working, productive agents still feel stuck in 2026 and what's actually holding their business back.If your calendar is full but your income feels inconsistent…If one slow month still creates stress…If you're doing “all the right things” but don't feel in control…This episode is for you.We're entering a market where hustle alone no longer works. The agents who win in 2026 aren't louder or busier — they're clearer. In this episode, I explain why being busy doesn't equal stability, how the market is exposing weak foundations, and the real reason good agents feel stuck even when deals are getting done.This episode kicks off The 2026 Real Estate Agent Playbook — a practical, no-hype series for agents who want clarity, leverage, and long-term stability in their business.In this episode, we cover:Why “busy” doesn't mean profitable or stableThe difference between activity and tractionHow the market reveals weak business foundationsThe clarity gap most agents never fixWhy direction matters more than effort in 2026

突然抽一下 股粉 VIP 專屬，桂格天地合補這裡買現省 $1,304：【5X人蔘+葉黃素補氣晶亮組】 限時專屬優惠 (01/15 - 02/28) 立即下單：https://reurl.cc/7bWD2k 2026 新年送禮首選：健康就是最好的投資！ 市佔第一的保健飲領導品牌【桂格天地合補】，我全家都在喝。推薦給每天數位投 資、高強度工作的族群，隨時補充維持戰力。 Costco 限時活動：5X 人蔘濃縮飲即日起至 2/8 限時折 $350。https://reurl.cc/KOvRE9 【桂格補氣】 5X 人蔘濃縮精華飲：100% 五倍人蔘濃縮精華，非短暫提神，而是給 你「持續好精神」。想突破自己、執行挑戰，你需要強大體力陪你奔向無限可能！ 【天地合補晶亮】金盞花葉黃素濃縮飲：長時間投資，需要更好的葉黃素飲。每份 20mg 游離型葉黃素 + 3D 玻尿酸鈉*，實驗證實有感提升晶亮度 81.1%**。有助數位 族群舒服有感、沽溜一整天！ *玻尿酸鈉來自雞冠萃取物 (含透明質酸鈉) **天地合補金盞花葉黃素濃縮飲歷經18個月實驗證實，能提升晶亮度81.1%。 股癌傳送門：https://linktr.ee/gooaye -- Hosting provided by SoundOn

Shawn's InKind referral - https://app.inkind.com/refer/4FJZRGUZ Episode Description On this episode of MTM Travel we discuss President Trump's new proposal to limit credit card interest rates. Is it possible to pull of this order plus what will be some of the unintended consequences of lowering and capping interest rates. Plus is the credit card system good for consumers?   In other news we also discuss why Mark picked up the Spirit Airlines credit card, a big airline merger, the better Chase Freedom Unlimited offer, maximizing IHG's United perk, Hyatt's rough policy change and how traveling makes kids perhaps a little too independent. 0:00 Welcome to MTM Travel 0:18 Allegiant's big merger 4:05 Overly independent traveling children 9:56 Big revamps coming for MTM 13:31 Why Mark got the Spirit Airlines credit card 21:02 Maximizing IHG's United TravelBank perk 24:16 Hyatt's HUGE change to expiring certs 29:25 Freedom Unlimited better offer - $300 + 5X gas & groceries 32:23 The death of credit cards? New interest cap proposed 37:03 Should we blow up the current credit card system? 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 Play, Spotify, TuneIn, Pocket Casts, or via RSS. Don't see your favorite podcast platform? Please let us know!

Get all the inside secrets and tools you need to help you develop your intuitive and leadership skills so you are on the path to the highest level of success with ease. Money is not a shameful topic. The less we talk about it, the longer we stay in the dark.In this episode you will learn:Money reflects choices, not characterA dollar creates possibilityTalking about money is empoweringIf you are ready to start reaching your goals instead of simply dreaming about it, start today with 12minutegift.com!Grab your FREE meditation: Reduce Your Anxiety MEDITATIONAre you ready to tiptoe into your intuition and tap into your soul's message? Let's talkListen in as Jennifer Takagi, founder of Takagi Consulting, Certified High Performance Coach, 5X time Amazon.Com Best Selling-Author, Certified Soul Care Coach, Certified Jack Canfield Success Principle Trainer, Certified Professional Behavioral Analyst and Facilitator of the DISC Behavioral Profiles, Certified Change Style Indicator Facilitator, Law of Attraction Practitioner, and Certified Coaching Specialist - leadership entrepreneur, speaker and trainer, shares the lessons she's learned along the way. Each episode is designed to give you the tools, ideas, and inspiration to lead with integrity. Humor is a big part of Jennifer's life, so expect a few puns and possibly some sarcasm. Tune in for a motivational guest, a story or tips to take you even closer to that success you've been coveting. Please share the episodes that inspired you the most and be sure to leave a comment.Official Website: http://www.jennifertakagi.comInstagram: https://www.instagram.com/jennifertakagi/Facebook: facebook.com/takagiconsulting I look forward to connecting with you soon,Jennifer TakagiSpeaker, Trainer, Author, Energy HealerPS: We would love to hear from you! For questions, coaching, or to book interviews, please email my team at Jennifer@takagiconsulting.com

At CES 2026, Jensen Huang once again reset the economics of AI factories. In particular, despite recent industry narratives that Nvidia's moat is eroding, our assessment is the company has further solidified its position as the hardware and software standard for the next generation of computing. In the same way Intel and Microsoft dominated the Moore's Law era, we believe Nvidia will be the mainspring of tech innovation for the foreseeable future. Importantly, the previous era saw a doubling of performance every two years. Today Nvidia is driving annual performance improvements of 5X, throughput of 10X…driving token demand of 15X via Jevons Paradox.

01. Filthy Philp, Sola - Nube Nueve 02. Pop Off - After Light 03. Bass On High & Lelya - Friday 04. Rameses B, Southby - All In My Head 05. NBC9 - Levitate (DØSHI Remix) 06. DØSHI, Dimod - Easy 2 Love 07. 5X, Krasia, Denver UK - Energy 08. EmZee - Addicted To You 09. Phibes - Have Your Love 10. TESSERACTS, Captain Flatcap - Getaway Blues 11. SoftSkilla & Saint Rider - Tribal Drums 12. Ebony Dubsters - Ra (Diode Remix) 13. PashaRav - Embrace It 14. Bons - Get Over Here 15. Synthetic - Space Abyss 16. Green Vibes - Real World 17. Zombie Cats, Young Buck, Nemean, Artifice, the Visionary - TIMELESS (Zombie Cats & Nemean Remix) 18. Xaetis - Systems 19. Acaled - Annihilator 20. MNTL - Rock In Roll Race 21. Toyfon - Mannequin 22. KROT - Difficult But Not Impossible 23. BLΛNK CΛNVΛS & Cunning MC - Slazenger (BLΛNK CΛNVΛS BOOTLEG) 24. KNARS - Hello World (174BPM Edit) 25. Nine Inch Nails - As Alive As You Need Me To Be (Lee UHF & Noise Souls Bootleg) 26. Spiller - Raveolution 27. Gino - Momocho 28. Mayel - Sandworm 29. Unglued, Circumference - Sticky Circles 30. Fade Black - Iced Out 31. ozone, Megan Linnell - Waiting On You 32. NBC9 - Bankers Ghost (Diode Remix) 33. DØSHI, Dimod - The Pharaoh (VIP) 34. Oklorgy - Void Pulse 35. Insidion - Mimic 36. Fade Duster - Noise Whispers 37. PashaRav - Welter 38. Durability - Tremor 39. Dubzed - Praying Mantis 40. HOST - Never Change 41. BASSLENITSA - Valhalla 42. SundayGrooves - The Final Taste 43. CrucifyMe - Filth 44. Project Zeus - Gunk (Screamarts Remix) 45. Hypoxic - Complicated 46. Е.Крылатов - Krilatye Kacheli (Softskilla bootleg) 47. Anamorf - Sand Breeze 48. Nichenka Zoryana - Sonseys 49. Cuvurs - Twist (Vocal Mix) 50. Benny V & Genesis Elijah - Jammin 51. Pop Off x Jah Condah - Spacewalker 52. MC Fokus, Confusious - Energy 53. SONNY & DJSS - LOCK OF THE STREET 54. Mr Quest, Ragga Twins, Navigator, Miss Klair - Kill Shot (Jungle Mix) 55. GrayMata - Jump 56. JL-ONE - Roll On Through 57. Chuck UK - Flipper Flop 58. Pruf - For You 59. Sammo, Pingz - Swordplay 60. Agro, Exile DNB - Banging Music 61. Composure - Glockin Heads 62. Harley D - Killer VIP 63. Mr Quest feat. Miss Klair - Jungle We Love (Lover to Lover Mix) 64. Mr Quest - Sound clash 65. Bladerunner - Musical Murda 66. DJ Wasp - Killa 67. Aim - Underneath 68. Jamm:n - Bak Again 69. Red Sky - Radio Slave 70. Subreachers - Shaperbox 71. GrayMata - Jungle Vip 72. NonRev - Stumble & Fall 73. Streetz Of Rage & DJSS - Power of Love 74. Crate Classics, Potential Badboy, JODIAN NATTY - Need You 75. Bigchoc - Untitled Jungle 76. Unknown Artist - Balada O Askolde 77. Encrypted Music Source - Chamber Of Secrets 78. Kjubi - Prohibition 79. Okee - Atlantis Lost 80. Jebar, Politic - Brilliant (Bad 4 Life VIP remix) 81. In:Most & flowanastasia - Home (VIP) (VIP) 82. bd:j - Jazzmine 83. antoanesko - Noch Temnaya

SummaryIn this episode of the Dental Flow Podcast, host Benjamin Suggs shares six effective strategies for dental practices to grow without increasing marketing expenses. He emphasizes the importance of optimizing Google Business Profiles, expanding financing options for patients, answering common patient questions online, implementing online scheduling, consistently gathering Google reviews, and utilizing photos to enhance online presence. Each strategy is designed to improve patient engagement and increase practice revenue in 2026.TakeawaysYou can grow your dental practice without spending more money.Google Business Profiles need regular activity to rank higher.Offering multiple financing options can increase treatment acceptance.Answering common patient questions boosts your online authority.Online scheduling allows patients to book appointments in real-time.Consistent Google reviews improve local search rankings.Photos of your team enhance your practice's online presence.Engaging with patients through social media is crucial.Don't let perfectionism hinder your marketing efforts.Implement these strategies consistently for best results.Sound bites"Google loves it when people use their stuff.""Get consistent Google reviews every week.""Take more photos of your practice and team."Chapters00:00 Introduction to Growing Your Dental Practice02:55 Maximizing Your Google Business Profile05:41 Expanding Financing Options for Patients08:32 Answering Patient Questions Online11:14 Implementing Online Scheduling14:12 The Importance of Google Reviews17:07 Utilizing Photos to Enhance Online Presencedental marketing, Google business profile, financing options, online scheduling, patient engagement, Google reviews, dental practice growth, SEO strategies, patient questions, dental photography Your Dental Marketing Growth Partner: Human Expertise Meets AI Precision. We combine cutting-edge AI technology with over 14 years of dental marketing expertise to drive real results. From increasing new patient flow to filling holes in your schedule, our strategies are built to grow your practice—efficiently, intelligently, and predictably. Experience marketing that adapts in real-time and delivers every time. No long-term contracts. Our clients average a 5X return on investment. Personalized, non-corporate approach. 5-star reviewed. Incredibly easy to work with - your time commitment is minimal. Find us: Website: https://newpatientsflow.com Google: https://g.co/kgs/zqWTc5a Facebook: https://www.facebook.com/newpatientsflow Instagram: https://www.instagram.com/newpatientsflow/ Linkedin: https://www.linkedin.com/company/newpatientsflow

Visit Mixture of Experts podcast page to get more AI content → https://www.ibm.com/think/podcasts/mixture-of-experts Is NVIDIA unstoppable? In this episode of Mixture of Experts, host Tim Hwang is joined by Chris Hay, Kaoutar El Maghraoui and Martin Keen to unpack the biggest announcements from CES 2026. First up, NVIDIA's Jensen Huang revealed the Rubin platform—a chip architecture promising 5X the performance of Blackwell and slashing inference token costs by 10X. Does this cement NVIDIA's dominance? We also explore the wild world of CES gadgets. Then, we look at whether Meta's USD 2 Billion acquisition of Manus AI signals a major pivot toward enterprise agentic platforms. Later, we dissect DeepSeek's newpaper on manifold-constrained hyperconnections (MHC)—a smarter way to train models that prioritizes efficiency over brute-force scaling. Finally, we analyze new polling data revealing Americans' complex relationship with AI: optimistic about the benefits but deeply concerned about who controls it. All that and more on Mixture of Experts! 00:00 – Introduction 01:27 – CES 2026 12:41 – Meta's USD 2 Billion Manus bet 20:08 – DeepSeek tackles scaling 33:35 – AI optimism vs. fear The opinions expressed in this podcast are solely those of the participants and do not necessarily reflect the views of IBM or any other organization or entity. Subscribe for AI updates → https://www.ibm.com/account/reg/us-en/signup?formid=news-urx-52120 #CES2026 #NVIDIARubin #MetaManusAI #DeepSeekScaling #AIagents

01. Filthy Philp, Sola - Nube Nueve 02. Pop Off - After Light 03. Bass On High & Lelya - Friday 04. Rameses B, Southby - All In My Head 05. NBC9 - Levitate (DØSHI Remix) 06. DØSHI, Dimod - Easy 2 Love 07. 5X, Krasia, Denver UK - Energy 08. EmZee - Addicted To You 09. Phibes - Have Your Love 10. TESSERACTS, Captain Flatcap - Getaway Blues 11. SoftSkilla & Saint Rider - Tribal Drums 12. Ebony Dubsters - Ra (Diode Remix) 13. PashaRav - Embrace It 14. Bons - Get Over Here 15. Synthetic - Space Abyss 16. Green Vibes - Real World 17. Zombie Cats, Young Buck, Nemean, Artifice, the Visionary - TIMELESS (Zombie Cats & Nemean Remix) 18. Xaetis - Systems 19. Acaled - Annihilator 20. MNTL - Rock In Roll Race 21. Toyfon - Mannequin 22. KROT - Difficult But Not Impossible 23. BLΛNK CΛNVΛS & Cunning MC - Slazenger (BLΛNK CΛNVΛS BOOTLEG) 24. KNARS - Hello World (174BPM Edit) 25. Nine Inch Nails - As Alive As You Need Me To Be (Lee UHF & Noise Souls Bootleg) 26. Spiller - Raveolution 27. Gino - Momocho 28. Mayel - Sandworm 29. Unglued, Circumference - Sticky Circles 30. Fade Black - Iced Out 31. ozone, Megan Linnell - Waiting On You 32. NBC9 - Bankers Ghost (Diode Remix) 33. DØSHI, Dimod - The Pharaoh (VIP) 34. Oklorgy - Void Pulse 35. Insidion - Mimic 36. Fade Duster - Noise Whispers 37. PashaRav - Welter 38. Durability - Tremor 39. Dubzed - Praying Mantis 40. HOST - Never Change 41. BASSLENITSA - Valhalla 42. SundayGrooves - The Final Taste 43. CrucifyMe - Filth 44. Project Zeus - Gunk (Screamarts Remix) 45. Hypoxic - Complicated 46. Е.Крылатов - Krilatye Kacheli (Softskilla bootleg) 47. Anamorf - Sand Breeze 48. Nichenka Zoryana - Sonseys 49. Cuvurs - Twist (Vocal Mix) 50. Benny V & Genesis Elijah - Jammin 51. Pop Off x Jah Condah - Spacewalker 52. MC Fokus, Confusious - Energy 53. SONNY & DJSS - LOCK OF THE STREET 54. Mr Quest, Ragga Twins, Navigator, Miss Klair - Kill Shot (Jungle Mix) 55. GrayMata - Jump 56. JL-ONE - Roll On Through 57. Chuck UK - Flipper Flop 58. Pruf - For You 59. Sammo, Pingz - Swordplay 60. Agro, Exile DNB - Banging Music 61. Composure - Glockin Heads 62. Harley D - Killer VIP 63. Mr Quest feat. Miss Klair - Jungle We Love (Lover to Lover Mix) 64. Mr Quest - Sound clash 65. Bladerunner - Musical Murda 66. DJ Wasp - Killa 67. Aim - Underneath 68. Jamm:n - Bak Again 69. Red Sky - Radio Slave 70. Subreachers - Shaperbox 71. GrayMata - Jungle Vip 72. NonRev - Stumble & Fall 73. Streetz Of Rage & DJSS - Power of Love 74. Crate Classics, Potential Badboy, JODIAN NATTY - Need You 75. Bigchoc - Untitled Jungle 76. Unknown Artist - Balada O Askolde 77. Encrypted Music Source - Chamber Of Secrets 78. Kjubi - Prohibition 79. Okee - Atlantis Lost 80. Jebar, Politic - Brilliant (Bad 4 Life VIP remix) 81. In:Most & flowanastasia - Home (VIP) (VIP) 82. bd:j - Jazzmine 83. antoanesko - Noch Temnaya

One of the biggest traps I fell into after leaving the corporate world was believing that I needed to lead by example, often clocking twelve-hour days just to prove a point about work ethic to my team. I've realized that while leading by sheer effort creates a bottleneck, leading with radical clarity is the true force multiplier that actually scales a business. I'm breaking down how I shifted from micromanaging the "how" to defining clear outcomes for the "who," a strategic pivot that has allowed me to 5X my output, escape the weeds of daily operations, and stop being a prisoner to my own company.//Welcome to Repeatable Revenue, hosted by strategic growth advisor , Ray J. Green.About Ray:→ Former Managing Director of National Small & Midsize Business at the U.S. Chamber of Commerce, where he doubled revenue per sale in fundraising, led the first increase in SMB membership, co-built a national Mid-Market sales channel, and more.→ Former CEO operator for several investor groups where he led turnarounds of recently acquired small businesses.→ Current founder of MSP Sales Partners, where we currently help IT companies scale sales: www.MSPSalesPartners.com→ Current Sales & Sales Management Expert in Residence at the world's largest IT business mastermind.→ Current Managing Partner of Repeatable Revenue Ventures, where we scale B2B companies we have equity in: www.RayJGreen.com//Follow Ray on:YouTube | LinkedIn | Facebook | Twitter | Instagram

Get all the inside secrets and tools you need to help you develop your intuitive and leadership skills so you are on the path to the highest level of success with ease. In this episode Andrew reminds us that there's no shame in a dollar and no limit to what's possible when we use money intentionally. In this episode you will learn:Money is a tool, not a judgmentDo right by peopleHave a Plan B (and C)About Andrew:Andrew Quebbemann is a financial services professional with GoldBook Financial. He will share his personal story about his path to accidentally landing in the financial industry and how that project has changed his life and those around him. His journey is about more than just helping people understand investments, it's about helping the community achieve more than they ever thought possible.Connect:https://goldbookfinancial.com/our-team/andrew-quebbemann/https://www.linkedin.com/in/andrew-quebbemann/https://www.facebook.com/profile.php?id=61555879178553https://www.instagram.com/andrewquebbemann/https://forms.office.com/r/fTEGWswSxL?origin=lprLinkIf you are ready to start reaching your goals instead of simply dreaming about it, start today with 12minutegift.com! Grab your FREE meditation: Reduce Your Anxiety MEDITATIONAre you ready to tiptoe into your intuition and tap into your soul's message? Let's talk Listen in as Jennifer Takagi, founder of Takagi Consulting, Certified High Performance Coach, 5X time Amazon.Com Best Selling-Author, Certified Soul Care Coach, Certified Jack Canfield Success Principle Trainer, Certified Professional Behavioral Analyst and Facilitator of the DISC Behavioral Profiles, Certified Change Style Indicator Facilitator, Law of Attraction Practitioner, and Certified Coaching Specialist - leadership entrepreneur, speaker and trainer, shares the lessons she's learned along the way. Each episode is designed to give you the tools, ideas, and inspiration to lead with integrity. Humor is a big part of Jennifer's life, so expect a few puns and possibly some sarcasm. Tune in for a motivational guest, a story or tips to take you even closer to that success you've been coveting. Please share the episodes that inspired you the most and be sure to leave a comment. Official Website: http://www.jennifertakagi.comInstagram:

AI is transforming real estate in 2026, but agents aren't going extinct - here's the shocking truth about why AI still needs human agents to close deals and build trust. As a team leader of 225+ agents with multiple ICONs on my team, I'm seeing this stratification happen in real-time.The uncomfortable reality? AI is already automating 60-70% of traditional salesperson tasks - paperwork, CMAs, lead qualification, and follow-ups. Second and third-tier agents probably will get replaced. But here's what the data doesn't show: top agents are becoming MORE valuable, not less.In this episode, I break down the man-machine symbiosis that's creating unstoppable agents in 2026. You'll discover what AI can and cannot replace in real estate transactions, why human expertise still dominates in high-stakes negotiations, and the exact AI tools my highest producers are using to handle 30-40% more transactions without burning out.I'll show you specific AI tools for video creation, lead qualification, and content generation - with actual demos so you can implement them immediately. This isn't theory - it's what's working RIGHT NOW for agents closing at the highest level.

Get all the inside secrets and tools you need to help you develop your intuitive and leadership skills so you are on the path to the highest level of success with ease. Sales calls can be daunting. On last week's episode, Tessa shared ideas on how I could follow up with my client.In this episode you will learn:Lead Magnet - FOLLOW UPFollow up with offerBe willing to negotiateIf you are ready to start reaching your goals instead of simply dreaming about it, start today with 12minutegift.com!Grab your FREE meditation: Reduce Your Anxiety MEDITATIONAre you ready to tiptoe into your intuition and tap into your soul's message? Let's talkListen in as Jennifer Takagi, founder of Takagi Consulting, Certified High Performance Coach, 5X time Amazon.Com Best Selling-Author, Certified Soul Care Coach, Certified Jack Canfield Success Principle Trainer, Certified Professional Behavioral Analyst and Facilitator of the DISC Behavioral Profiles, Certified Change Style Indicator Facilitator, Law of Attraction Practitioner, and Certified Coaching Specialist - leadership entrepreneur, speaker and trainer, shares the lessons she's learned along the way. Each episode is designed to give you the tools, ideas, and inspiration to lead with integrity. Humor is a big part of Jennifer's life, so expect a few puns and possibly some sarcasm. Tune in for a motivational guest, a story or tips to take you even closer to that success you've been coveting. Please share the episodes that inspired you the most and be sure to leave a comment.Official Website: http://www.jennifertakagi.comInstagram: https://www.instagram.com/jennifertakagi/Facebook: facebook.com/takagiconsulting I look forward to connecting with you soon,Jennifer TakagiSpeaker, Trainer, Author, Energy HealerPS: We would love to hear from you! For questions, coaching, or to book interviews, please email my team at Jennifer@takagiconsulting.com

Introvert… but still want to build a real business in real estate? In this episode, Scott Kumler breaks down how he went from “quiet + uncomfortable” to confident open house operator—and how you can do it without turning into a fake hype machine.If you're an agent who dreads small talk, worries about awkward conversations, or feels like open houses are only for extroverts, this is for you.What you'll learnThe introvert-friendly open house setup that reduces anxiety and increases conversationsHow to create “natural” connection without forcing sales energyA simple flow to turn open house traffic into real follow-up (without feeling weird)The mindset shift from employee brain to entrepreneur brainChapters00:00 Intro + “Introvert to Entrepreneur” setup01:04 Why open houses became his main growth engine03:41 The “5 open houses/week” season that built momentum fast07:06 Sign strategy + staying long enough to make it worth it09:15 Key truth: open houses = buyer pipeline, not “selling the house”14:06 2022 market shift → stress + big business decision point18:24 Team scale story (3 agents → 55) + what changed28:22 Brokerage shift convo: why eXp entered the picture32:17 Timeline/decision window (Dec 1, 2024) + what he's weighingConnect w/ Scott Kumler

Get all the inside secrets and tools you need to help you develop your intuitive and leadership skills so you are on the path to the highest level of success with ease. If you are a coach or entrepreneur, you aren't going to want to miss this episode with Tessa!In this episode you will learn:Authentic selling is serviceLead clients to their next aligned stepStop doing everything and nothing!About Tessa:Tessa Lynne Alburn is Your Sales Success Guide. She believes selling can be a sacred conversation rooted in authenticity and skill — not pressure. With over 15 years of sales mastery, she's guided hundreds of coaches to discover that their greatest sales strength is not learning tricks or scripts, but bringing their whole selves forward. Tessa shows that your natural gifts are your true enrollment superpower — you just need to know how to use them.Connect:Website: realizedsoul.comIf you are ready to start reaching your goals instead of simply dreaming about it, start today with 12minutegift.com! Grab your FREE meditation: Reduce Your Anxiety MEDITATIONAre you ready to tiptoe into your intuition and tap into your soul's message? Let's talk Listen in as Jennifer Takagi, founder of Takagi Consulting, Certified High Performance Coach, 5X time Amazon.Com Best Selling-Author, Certified Soul Care Coach, Certified Jack Canfield Success Principle Trainer, Certified Professional Behavioral Analyst and Facilitator of the DISC Behavioral Profiles, Certified Change Style Indicator Facilitator, Law of Attraction Practitioner, and Certified Coaching Specialist - leadership entrepreneur, speaker and trainer, shares the lessons she's learned along the way. Each episode is designed to give you the tools, ideas, and inspiration to lead with integrity. Humor is a big part of Jennifer's life, so expect a few puns and possibly some sarcasm. Tune in for a motivational guest, a story or tips to take you even closer to that success you've been coveting. Please share the episodes that inspired you the most and be sure to leave a comment. Official Website: http://www.jennifertakagi.comInstagram: https://www.instagram.com/jennifertakagi/Facebook: facebook.com/takagiconsulting I look forward to connecting with you soon,Jennifer TakagiSpeaker, Trainer, Author, Energy HealerPS: We would love to hear from you! For questions, coaching, or to book interviews, please email my team at Jennifer@takagiconsulting.com

Choosing your eXp sponsor is the MOST important decision you'll make - even more than joining eXp itself. Here's how to evaluate primary sponsors vs co-sponsors and avoid the mistakes 90% of new agents make.

In this powerful episode of The Mike Litton Experience, Mike Litton sits down with Mitch McGinley, founder of Boutique Fitness Broker, to explore the personal journey and professional mastery behind helping business owners dramatically increase the value of their companies before selling. Mitch opens up about losing his father at a young age, the influence of his older brother, his education at Emory University, and the leap that took him from Atlanta to San Diego. He shares how owning and selling a boutique fitness studio for 5X its original value changed his life—and why most business owners leave money on the table when they exit. You'll learn: Why exit planning should start years before selling How Mitch helps owners increase enterprise value, not just chase a price The emotional and psychological side of entrepreneurship Why boutique fitness attracts heart-centered leaders—and how to turn passion into profit What business brokers often get wrong (and how Mitch does it differently) If you're a business owner, entrepreneur, or future seller—or simply love inspiring real-life stories—this episode is for you. Subscribe to The Mike Litton Experience for more high-level conversations with leaders, founders, and experts who are building value, impact, and legacy. Want to connect with Mitch? Visit BoutiqueFitnessBroker.com Welcome to The Mike Litton Experience Podcast! Mike is passionate about being a father, a teacher, a Realtor, an investor and a leader! Everyone has a story and our passion is to help them tell it! We never want you to miss an episode, so please be sure to subscribe. Could we ask you for two quick favors? If you like our program, please tell a friend. Wherever you get your podcasts please leave us a rating. It helps us to connect with quality people just like you! Reach out to Mike on Instagram @themikelittonexperience. Thank you for joining us for The Mike Litton Experience! Who you work with matters and we would be honored to interview with you or anyone you know to sell your home! If you have questions, please reach out text or call 760-522-1227. Thank you! #livinginsandiego, #movingtosandiego, #themikelittonexperience, #homesforsaleinsandiego, #mikelitton, #sellahomeinsandiego, #buyahomeinsandiego, #toptipstogetthebestoffer #themikelittonexperience

Get all the inside secrets and tools you need to help you develop your intuitive and leadership skills so you are on the path to the highest level of success with ease. Last week, Tatiana talked about different ways people behave. Today, I want to share what I know using the DISC Behavioral Style Method.In this episode you will learn:Why does that person irritate me?How to others perceive me?Do I have to change? If you struggle with allergies, be sure to book a call and let's talk about it!If you are ready to start reaching your goals instead of simply dreaming about it, start today with 12minutegift.com! Grab your FREE meditation: Reduce Your Anxiety MEDITATIONAre you ready to tiptoe into your intuition and tap into your soul's message? Let's talk Listen in as Jennifer Takagi, founder of Takagi Consulting, Certified High Performance Coach, 5X time Amazon.Com Best Selling-Author, Certified Soul Care Coach, Certified Jack Canfield Success Principle Trainer, Certified Professional Behavioral Analyst and Facilitator of the DISC Behavioral Profiles, Certified Change Style Indicator Facilitator, Law of Attraction Practitioner, and Certified Coaching Specialist - leadership entrepreneur, speaker and trainer, shares the lessons she's learned along the way. Each episode is designed to give you the tools, ideas, and inspiration to lead with integrity. Humor is a big part of Jennifer's life, so expect a few puns and possibly some sarcasm. Tune in for a motivational guest, a story or tips to take you even closer to that success you've been coveting. Please share the episodes that inspired you the most and be sure to leave a comment. Official Website: http://www.jennifertakagi.comInstagram: https://www.instagram.com/jennifertakagi/Facebook: facebook.com/takagiconsulting I look forward to connecting with you soon,Jennifer TakagiSpeaker, Trainer, Author, Energy HealerPS: We would love to hear from you! For questions, coaching, or to book interviews, please email my team at Jennifer@takagiconsulting.com

Reddit's wedding planning surge explains why the stock has 5X'd.1k millionaires are minted everyday from 401ks… Here's our 3-step financial advice.America's farmers got a $12B Soybean Bailout… while China's trade surplus is at ATH.Plus, pickle demand just hit an #AllTimeHigh… (it's a big dill).$RDDT $MCD $SPYBuy tickets to The IPO Tour (our In-Person Offering) TODAYAustin, TX (2/25): https://tickets.austintheatre.org/13274/13275 Arlington, VA (3/11): https://www.arlingtondrafthouse.com/shows/341317 New York, NY (4/8): https://www.ticketmaster.com/event/0000637AE43ED0C2Los Angeles, CA (6/3): https://www.squadup.com/events/the-best-one-yet-liveGet your TBOY Yeti Doll gift here: https://tboypod.com/shop/product/economic-support-yeti-doll NEWSLETTER:https://tboypod.com/newsletter OUR 2ND SHOW:Want more business storytelling from us? Check our weekly deepdive show, The Best Idea Yet: The untold origin story of the products you're obsessed with. Listen for free to The Best Idea Yet: https://wondery.com/links/the-best-idea-yet/NEW LISTENERSFill out our 2 minute survey: https://qualtricsxm88y5r986q.qualtrics.com/jfe/form/SV_dp1FDYiJgt6lHy6GET ON THE POD: Submit a shoutout or fact: https://tboypod.com/shoutouts SOCIALS:Instagram: https://www.instagram.com/tboypod TikTok: https://www.tiktok.com/@tboypodYouTube: https://www.youtube.com/@tboypod Linkedin (Nick): https://www.linkedin.com/in/nicolas-martell/Linkedin (Jack): https://www.linkedin.com/in/jack-crivici-kramer/Anything else: https://tboypod.com/ About Us: The daily pop-biz news show making today's top stories your business. Formerly known as Robinhood Snacks, The Best One Yet is hosted by Jack Crivici-Kramer & Nick Martell.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Do you have an inner critic that won't quit, always insisting you'll never be enough? Samantha Calandri is a 5X certified coach who specializes in transforming harsh self-talk into self-compassion. Her journey with alcohol was the classic party girl story until blacking out, panic attacks, and a 911 call made it clear she needed to make a change. After years of trying to moderate, she went alcohol-free in 2024 and discovered something unexpected: a massive void and a nasty inner critic.  Samantha shares how learning self-compassion became the turning point that changed her nervous system, her confidence, and eventually her entire career. You'll hear tactical tips to achieve that reframe, from personifying your inner critic to regular self "check-ins," and why rest actually makes you MORE creative, not less.  This episode is an invitation to stop living by everyone else's "shoulds", soften your inner world, and reconnect with the intuition and self-trust that already lives inside of you.   IN THIS EPISODE: Samantha's raw journey from party-girl identity to an empowered alcohol-free life: the panic attacks, the terrifying 911 call, and the moment everything finally clicked The "void" after ditching alcohol nobody talks about: for Samantha, there was profound emptiness, identity confusion, and self-criticism Techniques for silencing your inner critic through self-compassion, from "naming" your critic to imagining you're speaking to your child or inner child How generational conditioning, perfectionism, and parental role models wire us to feel never enough, and why self-compassion and rest actually FUEL success   LINKS/RESOURCES MENTIONED Visit Samantha's website and follow her on Instagram. If you know you're meant to help other people change their relationship with alcohol and achieve deep healing (along with their bigger dreams), be sure to get on the waitlist for the Empowered AF 5X Coach Certification Program – and get 5x certified as a world class alcohol-free empowerment coach, mindset coach, success coach, NLP practitioner, and hypnosis practitioner when applications open. Check out Euphoric the Club, the premier club for successful women who don't drink (and the women who are becoming them) where you can get access to all my alcohol-free programs and methodology, coaching, and trainings for only $62.  Awarded the most empowering book in the sober curious genre, be sure to get your copy of Euphoric: Ditch Alcohol and Gain a Happier, More Confident You today and leave your review.  Follow @euphoric.af on Instagram. And as always, rate, review, and subscribe so we can continue spreading our message far and wide.

This episode features an inspiring conversation between Libby and advisor Eva Stukenberg, who shares her journey from feeling stuck on the hamster wheel to building a thriving, intentional, 5X-growth practice. Eva opens up about the small shifts that created massive momentum, the mindset work that changed everything, and the systems that transformed her team, her client experience, and her quality of life. This episode is packed with practical insights for any advisor ready to move from reactive to proactive, from overwhelmed to organized, and from doing everything to doing only what matters most.

In today's episode, Kelly tears down one of the biggest myths in the online business world: that revenue is the ultimate marker of success. She explains why revenue on its own is an incomplete (and often misleading) measure, and why retention, reconversion, revenue quality, and gross margin are the real drivers of a sustainable, profitable business. You'll learn how two businesses with the same revenue can have a 5× difference in take-home income, why so many entrepreneurs unknowingly sabotage their profitability in pursuit of "more," and how to set deeply aligned, purposeful income and impact goals for 2026. Kelly also breaks down "The Four R's," the levers that expert-level business owners use to increase margins without increasing workload, and why this is the path to more peace, more profit, and more purpose in the coming year. TIMESTAMPS: 00:28 – 02:30 — How revenue fixation developed & the missing conversation around revenue quality 06:10 – 07:12 — The danger of chasing external revenue benchmarks 07:12 – 09:00 — The wild variance in take-home income at the same revenue level 09:00 – 10:40 — The hidden cost of constant revenue pursuit & why margin matters 12:15 – 13:56 — The 5X income opportunity hiding in your existing business 13:56 – 15:15 — The Four R's: Retention, Renewals, Referrals & Reactivations 15:15 – 17:00 — Why new customer acquisition is the least profitable path 18:20 – 19:30 — Reconversions: your lifetime value multiplier 19:30 – 20:30 — How mature CEOs vs. novice CEOs think about growth 20:30 – 21:20 — Permission to take a "season of excellence" instead of constant scaling RESOURCES: Learn more about our Virtual Business School Gold program, where we teach our Multiplier Method to increase customer lifetime value and scale while growing profits: https://go.virtualbusinessschool.com/gold Have questions about the program? Email Nicole, our program director, at nicole@kellyroachinternational.  Join Kelly's FREE weekly email newsletter: https://kellyroachinternational.kit.com/news  Follow Kelly on Instagram: https://www.instagram.com/kellyroachofficial/  Follow Kelly on Facebook: https://www.facebook.com/kelly.roach.520/  Connect with Kelly on LinkedIn: https://www.linkedin.com/in/kellyroachint/ 

Imagine losing everything you thought defined you – only to discover the most powerful version of yourself waiting on the other side. For most of her life, Dr. Sheri Lake lived for everyone else: a supermom juggling all the balls, exhausted, and numbing with alcohol to cope with the cognitive dissonance of living a life that didn't align with her values. Then, her world cracked open. After a shocking betrayal and divorce prompted her to stop drinking, a car accident and traumatic brain injury gave her a glimpse of the other side. Sheri talks about the details of her near-death experience, and how it became an unexpected gift, inspiring her to become a spiritual teacher and angel communicator who helps women reconnect with their intuition. I had SO many burning questions for Sheri (who also happens to be a 5X alum) and I think you're going to love her insight. No matter how tangled your story feels, your life can transform the moment you give yourself permission to choose again.   IN THIS EPISODE: Dr. Sheri Lake's radical rebellion against martyrdom, ego, and societal expectations, from devastating betrayal and brain injury to an empowered, unscripted life The moment Dr. Sheri heard her guardian angel's commanding voice in the backseat, pushing her to get out, and why she now channels messages from angels How releasing old identities, relationships, and even her last name led Dr. Sheri Lake to claim her purpose and teach other women to do the same Soul-stirring advice on trusting your intuition, receiving divine guidance, and stepping boldly into an unapologetic, expansive midlife revolution    LINKS/RESOURCES MENTIONED Learn about Dr. Sheri Lake on her website, follow her on Instagram, and learn about her coaching services. If you know you're meant to help other people change their relationship with alcohol and achieve deep healing (along with their bigger dreams), be sure to get on the waitlist for the Empowered AF 5X Coach Certification Program – and get 5x certified as a world class alcohol-free empowerment coach, mindset coach, success coach, NLP practitioner, and hypnosis practitioner when applications open. Check out Euphoric the Club, the premier club for successful women who don't drink (and the women who are becoming them) where you can get access to all my alcohol-free programs and methodology, coaching, and trainings for only $62.  Awarded the most empowering book in the sober curious genre, be sure to get your copy of Euphoric: Ditch Alcohol and Gain a Happier, More Confident You today and leave your review.  Follow @euphoric.af on Instagram. And as always, rate, review, and subscribe so we can continue spreading our message far and wide.

All of us at Troutbitten, along with so many anglers across the country, use a Mono Rig for most underwater presentations. The tight line advantage and the drift control possible for both nymphs and streamers is fun and effective. But a lot has changed . . .Five or ten years ago, most tight line anglers were using a Mono Rig leader build with a butt section thick enough to mimic the functions of a fly line. This is what we call a Troutbitten Standard Mono Rig, and it's a hybrid system. So with good casting form, the leader can push even the lightest flies around -- the line carries the flies. These days, the most popular leader builds have gone to the end of the line, with the thinnest possible tippets and even butt sections that are 5X diameter. These leaders require water haul casts with light flies and major adaptations in form that open up the age old question again -- "Is that even fly fishing?"Has it all gone too far? None of us care much about what you call the tactic. But more importantly, have Mono Rig leaders and tactics gone so far and become so common that these tools and these styles are actually hindering some anglers' growth? And does that really matter? These are the questions we tackle in this podcast episode.My friends, Austin Dando, Dr. Trevor Smith, Bill Dell and Matt Grobe and Josh Darling join me for a great conversation.ResourcesREAD: Troutbitten | Category | The Mono RigPODCAST SERIES: Troutbitten | Tight Line Skills SeriesREAD: Troutbitten | The Mono Rig, and Why Fly Line SucksREAD: Troutbitten | Design and Function of the Troutbitten Standard Mono RigVisitTroutbitten WebsiteTroutbitten InstagramTroutbitten YouTubeTroutbitten FacebookThanks to TroutRoutes:Use the code TROUTBITTEN for 20% off your membership athttps://maps.troutroutes.com Thanks to SkwalaUse the code, TROUTBITTEN10 for 10% off your order athttps://skwalafishing.com/