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Today on Your Money, Your Wealth podcast 562 (an encore of episode 513), Joe Anderson, CFP® and Big Al Clopine, CPA spitball for YMYW listeners in their 40s who are ready to call it quits at work, become financially independent, and retire early. Can they afford to do it? Peter and Joanna want to retire in the next two years. Burned Out and Ready to Retire wants out of his toxic office. If Maryland Chicken Man never earns another dollar, how much can he afford to withdraw from his retirement accounts each year? And Suzanne in Massachusetts is 69 and needs $60K a year for the next 30 years. Is she all right? (While Joe and Big Al enjoy a little seasonal downtime and Andi recovers from surgery, enjoy this encore presentation of these questions from an early 2025 episode.) Free Financial Resources in This Episode: https://bit.ly/ymyw-562 (full show notes & episode transcript) 2025 Key Financial Data Guide - free download 10 Big Retirement Regrets to Avoid (Before It's Too Late) - YMYW TV Financial Blueprint (self-guided) Financial Assessment (Meet with an experienced professional) REQUEST your Retirement Spitball Analysis DOWNLOAD more free guides READ financial blogs WATCH educational videos SUBSCRIBE to the YMYW Newsletter Connect With Us: YouTube: Subscribe and join the conversation in the comments Podcast apps: subscribe or follow YMYW in your favorite Apple Podcasts: leave your honest reviews and ratings Chapters: 00:00 - Intro: This Week on the YMYW Podcast 01:30 - We're 45 and 44. Can We Retire in the Next 2 Years? (Peter & Joanna, NJ) 10:45 - Watch 10 Big Retirement Regrets to Avoid (Before It's Too Late) on YMYW TV, Calculate your Free Financial Blueprint 11:44 - I'm 42 and I Work in a Toxic Office. Can I Afford to Retire? (Burned Out and Ready to Retire, NJ) 21:53 - Download the 2025 Key Financial Data Guide for free 22:53 - I'm 69 and Need $60k/Year for the Next 30 Years. Am I All Right? (Suzanne, MA) 25:40 - I'm 45. If I Never Earn Another Dollar How Much Can I Withdraw Every Year? (Maryland Chicken Man) 35:15 - Outro: Next Week on the YMYW Podcast
Another year ends, and once more, it's time to reflect on our creative goals. I hope you can take the time to review your goals and you're welcome to leave a comment below about how the year went. Did you achieve everything you wanted to? Let me know in the comments. It's always interesting looking back at my goals from a year ago, because I don't even look at them in the months between, so sometimes it's a real surprise how much they've changed! You can read my 2025 goals here and I go through how things went below. In the intro, Written Word Media 2025 Indie Author Survey Results, TikTok deal goes through [BBC]; 2025 review [Wish I'd Known Then; Two Authors], Kickstarter year in review; Plus, Anthropic settlement, the continued rise of AI-narrated audiobooks, and thinking/reasoning models (plus my 2019 AI disruption episode). My Bones of the Deep thriller, pics here, and Business for Authors webinars, coming soon. If you'd like to join my community and support the show every month, you'll get access to my growing list of Patron videos and audio on all aspects of the author business — for the price of a black coffee (or two) a month. Join us at Patreon.com/thecreativepenn. Joanna Penn writes non-fiction for authors and is an award-winning, New York Times and USA Today bestselling thriller author as J.F. Penn. She's also an award-winning podcaster, creative entrepreneur, and international professional speaker. You can listen above or on your favorite podcast app or read the notes and links below. Here are the highlights and the full transcript is below. J.F. Penn books — Death Valley, The Buried and the Drowned, Blood Vintage Joanna Penn books — Successful Self-Publishing, 4th Edition The Creative Penn Podcast and my community on Patreon/thecreativepenn Unexpected addition: Masters in Death, Religion and Culture at the University of Winchester Book marketing. Not quite a fail but definitely lacklustre. Reflections on my 50th year Double down on being human. Travel and health. You can find all my books as J.F. Penn and Joanna Penn on your favourite online store in all the usual formats, or order from your local library or bookstore. You can also buy direct from me at CreativePennBooks.com and JFPennBooks.com. I'm not really active on social media, but you can always see my photos at Instagram @jfpennauthor. J.F. Penn — Death Valley. A Thriller. This was my ‘desert' book, partially inspired by visiting Death Valley, California in 2024. It's a stand-alone, high stakes survival thriller, with no supernatural elements, although there are ancient bones and a hidden crypt, as it wouldn't be me otherwise! The Kickstarter campaign in April had 231 Backers pledging £10,794 (~US$14,400) and the hardback is a gorgeous foiled edition with custom end papers and research photos as well as a ribbon. As an AI-Assisted Artisan Author, I used AI tools to help with the creative and business processes, including the background image of the cover design, the custom end papers, and the Death Valley book trailer, which I made with Midjourney and Runway ML. The audiobook is also narrated by my J.F. Penn voice clone, which took a while to get used to, but now I love it! You can listen to a sample here. I published Death Valley wide a few months later over the summer, so it is now out on all platforms. J.F. Penn — Blood Vintage. A Folk Horror Novel, and Catacomb audiobook I did a Kickstarter for the hardback edition of Blood Vintage in late 2024, and then in 2025, worked with a US agent to see if we could get a deal for it. That didn't happen, and although there were some nice rejections, mostly it was silence, and the waiting around really was a pain in the proverbial. So, after a year on submission, I published Blood Vintage wide, so it's available everywhere now. My voice clone narrated the audiobook, listen to a sample here. I also finally produced the audiobook for Catacomb, which is a stand-alone thriller inspired by the movie Taken and the legend of Beowulf set in the catacombs under Edinburgh. I used a male voice from ElevenLabs, and you can listen to a sample here. The book is also available everywhere in all formats. J.F. Penn — The Buried and the Drowned Short Story Collection One of my goals for 2025 was to get my existing short stories into print, mainly because they exist only as digital ebook and audiobook files, which in a way, feels like they almost don't exist! Plus, I wanted to write an extra two exclusive stories and launch the special edition collection on Kickstarter Collection and then publish wide. I wrote the two stories, The Black Church, inspired by my Iceland trip in March, and also Between Two Breaths, inspired by an experience scuba diving at the Poor Knights Islands in New Zealand almost two decades ago. There are personal author's notes accompanying every story, so it's part-short story fiction, part-memoir, and I human-narrated the audiobook. I achieved this goal with a Kickstarter in September, 2025, with 206 Backers pledging almost £8000 (~US$10,600) for the various editions. I also did my first patterned sprayed edges and I love the hardback. It has head and tail bands which make the hardback really strong, gorgeous paper, foiling, a ribbon, colour photos, and custom end papers. The Buried and the Drowned is now out everywhere in all editions. As ever, if you enjoy the stories, a review would be much appreciated! Joanna Penn Books for Authors Early in the year, How to Write Non-Fiction Second Edition launched wide as I only sold it through my store in 2024, so it's available everywhere in all formats including a special hardback and workbook at CreativePennBooks.com. While I didn't write it in 2025, I made the money on it this year, which is important! I also unexpectedly wrote the Fourth Edition of Successful Self-Publishing, mainly because I saw so much misinformation and hype around selling direct, and I also wanted to write about how many options there are for indie authors now. The ebook and audiobook (narrated by human me) are free on my store, CreativePennBooks.com and also available in print, in all the usual places. If you haven't revisited options for indie authors for a while, please have a read/listen, as the industry moves fast! All my fiction and non-fiction audiobooks are now on YouTube After an inspiring episode with Derek Slaton, I put all my audiobooks and short stories on YouTube. Firstly, my non-fiction channel is monetised so I get some income from that. It's not much, but it's something. More importantly, it's marketing for my books, and many audiobook listeners go on to buy other editions especially non-fiction listeners who will often buy print as well. I'm one of those listeners! It's also doubling down on being human, since I human narrate most of my audiobooks, including almost all of my non-fiction, as well as the memoir, and short stories. This helps bring people into my ecosystem and they may listen to the podcast as well and end up buying other books or joining the Patreon. Finally, in an age of generative AI assisted search recommendations, I want my books and content inside Gemini, which is Google's AI. I want my books surfaced in recommendations and YouTube is owned by Google, and their AI overviews often point to videos. Only you can decide what you want to do with your audiobooks, but if you want to listen to mine, they are on YouTube @thecreativepenn for non-fiction or YouTube @jfpennauthor for fiction and memoir. The Creative Penn Podcast and my Patreon Community It's been another full year of The Creative Penn Podcast and this is episode 842, which is kind of crazy. If you don't know the back story, I started podcasting in March 2009 on a sporadic schedule and then went to weekly about a decade ago in 2015 when I committed to making it a core part of my author business. Thanks to our wonderful corporate sponsors for the year, all services I personally use and recommend — ProWritingAid, Draft2Digital, Kobo Writing Life, Bookfunnel, Written Word Media, Publisher Rocket and Atticus. It's also been a fantastic year inside my Patreon Community at patreon.com/thecreativepenn so thanks to all Patrons! I love the community we have as I am able to share my unfiltered thoughts in a way that I have stopped doing in the wider community. Even a tiny paywall makes a big difference in keeping out the haters. I've done monthly audio Q&As which are extra solo shows answering patron questions. I've also done several live office hours on video, and shared content every week on AI tools, writing and author business tips. Patrons also get discounts on my webinars. I did two webinars on The AI-Assisted Artisan Author, which I am planning to run again sometime in 2026 as they were a lot of fun and so much continues to change. If you get value from the show and you want more, come on over and join us at patreon.com/thecreativepenn We have almost 1400 paying members now which is wonderful. Thanks for being part of the Community! Unexpected goal of the year: Masters in Death, Religion and Culture at the University of Winchester During the summer as I did my gothic research, I realised that I was feeling quite jaded about the publishing world and sick of the drama in the author community over AI. My top 5 Clifton Strengths are Learner, Intellection, Strategic, Input, and Futuristic — and I needed more Input and Learning. I usually get that from travel and book research, but I wasn't getting enough of that since Jonathan is busy finishing his MBA. So I decided to lean into the learning and asked ChatGPT to research some courses I could do that would suit me. It found the Masters in Death, Religion and Culture at the University of Winchester, which I could do full-time and online. It would be a year of reading quite different things, writing academic essays which is something I haven't done for decades, and hanging out with a new group of people who were just as fascinated with macabre topics as I am. I started in September and have now finished the first term, tackling topics around thanatology and death studies, hell and the afterlife in the Christian tradition, and the ethics of using human remains to inspire fiction, amongst other interesting things. It was a challenge to get back into the style of academic essay writing, but I'm enjoying the rigour of the research and the citations, which is something that the indie author community needs more of, a topic I will revisit in 2026. I have found the topics fascinating, and the degree is a great way to expand my mind in a new direction, and distract me from the dramas of the author community. I'll be back into it in mid-January and will finish in September 2026. Book marketing. Not quite a fail but definitely lacklustre. I said I would “Do a monthly book marketing plan and organise paid ad campaigns per month for revolving first books in series and my main earners.” I didn't do this! I also said I would organise my Shopify stores, CreativePennBooks.com and JFPennBooks.com into more collections to make it easier for readers to find things they might want to buy. While I did change the theme of CreativePennBooks.com over to Impulse to make it easier to find collections, I haven't done much to reorganise or add new pathways through the books. I'm rolling this part of the goal into 2026. I said I would reinvigorate my content marketing for JFPenn, and make more of BooksAndTravel.page with links back to my stores, and do fiction specific content marketing with the aim of surfacing more in the LLMs as generative search expands. I did a number of episodes on Books and Travel in 2025, but once I started the Masters, I had to leave that aside, and although I have started some extra content on JFPennBooks.com, I am not overly enthusiastic about it! I also said I would “Leverage AI tools to achieve more as a one-person business.” I use AI tools (mainly ChatGPT, Claude, and Gemini) every day for different things but as ever, I am pretty scatter gun about what I do. I lean into intuition and I love research so I am more likely to ask the AI tools to do a deep research report on south Pacific merfolk mythology, or how gothic architecture impacted sacred music, or geology and deep time, rather than asking for marketing hooks. I intended to use more AI for book marketing, but as ever, I was too optimistic about the timeline of what might be possible. There's lots you can do with prompting, finessing things and then posting on various platforms, but I'm not interested in spending time doing that. My gold standard for an AI assistant is to feed it the finished book and then say, “Here's a budget. Go market this,” and not have to connect lots of things together into some Frankenstein-workflow. That's not available yet. Maybe in 2026 … Of course, I still do book marketing. I have to in order to sell any books and make money from book sales. We all have to do some kind of book marketing! I have my Kickstarter launches which I put effort into, as well as consistent backlist sales fed by the podcast, and my email newsletter (my combined list is around 60K). I have auto campaigns running on Amazon Ads, and I have used Written Word Media campaigns as well as BookBub throughout the year. This is basically the minimum, so as usual, must do better! I'm pretty sure I'm not the only author saying this! However, my business has multiple streams of income, and I have the podcast sponsorship revenue as well as the Patreon, plus sporadic webinars, which add to my bottom line and don't require paid advertising at all. Reflections on my 50th year I woke up on my 50th birthday in March in Iceland, by the Black Church of Budir out on the Skaefellsnes peninsula. As seals played in the sea and we walked in the snow over the ancient lava field under the gaze of the volcano that inspired Jules Verne Journey to the Centre of the Earth, and my short story, The Black Church, which you can find in my collection, The Buried and the Drowned. On that trip, we also saw the northern lights and had a memorable trip that marked a real shift for me. I've been told by lots of people that 50 is a ‘proper' birthday, as in one of those that makes you stop and reconsider things, and it has indeed been that, although I have also found the last few years of perimenopause to be a large part of the change as well. A big shift is around priorities and not caring so much what other people think, which is a relief in many ways. Also, I don't have the patience to do things that I don't think are worth doing for the longer term, and I am appreciating a quieter life. I'd rather lie in a sunbeam and read with Cashew and Noisette next to me then create marketing assets or spend time on social media. I'd rather go for a walk with Jonathan than go to a conference or networking event. In my Pilgrimage memoir, I quote an anonymous source, “Pilgrim, pass by that which you do not love.” It's a powerful message, and I take it to mean, stop listening to people who tell you what is important. Listen to yourself more and only pay attention to that which you feel drawn to explore. On pilgrimage, it might be turning away from the supposedly important shrine of a saint to go and sit in nature and feel closer to God that way. In our author lives, it might be turning away from the things that just feel wrong for us, and leaning into what is enjoyable, that which feels worthwhile, that which we want to keep doing for the long term. Let's face it, as always, that is the writing, the thinking, the imagination. As ever, I have this mantra on my wall: “Measure your life by what you create.” It's the creation side of things that we love and that's what we need to remember when everything else gets a little much. Many authors left social media in 2025, and while I haven't left it altogether, I don't use it much. I post pictures proving I am human on Instagram @jfpennauthor which automatically post to Facebook. I barely check my pages on Facebook though. I'm also still on X with a carefully curated feed that I mainly use to learn new cool AI things which I share with my Patreon Community. Double down on being human. Travel and health. Yes, I am a human author, and yes, I continue to age! When you've been publishing a while, you need to update your author photos periodically and I finally had a photoshoot I loved with Betty Bhandari Photography, which means I can add the new pics to my websites and the back of my books. Are you up to date with your author photos? (or at least within a decade of the last photoshoot?!) Here are a few of the pictures on Instagram @jfpennauthor. Healthwise, I gave up calisthenics as it was too much on top of the powerlifting and the amount of walking I do. I did another British Powerlifting competition in September in the M2 category (based on age) and 63kgs category (based on weight). Deadlift: 95kgs. Squat: 60kgs. BenchPress: 37.5kgs. While this is less overall than last year, I also weigh less, so I'm actually stronger based on lift to body weight percentage. I have also done a few pull-ups in the last week with no band, which I am thrilled with! On the travel side, Iceland was the big trip, and I also had a weekend in Berlin for the film festival, where I met up with a producer and a director around an adaptation of my Day of the Vikings thriller. That didn't pan out, as most of these things don't, but I certainly learned a lot about the industry — and why it doesn't suit me! Once again, I dipped my toe into screenwriting and then ran away, as has happened multiple times over the years. When will I learn? … Over the summer of 2025, I visited lots of gothic cathedrals including Lichfield, Rochester, Durham, York, and revisiting Canterbury, as part of my book research for the Gothic Cathedral book. I have tens of thousands of words on this project, but it isn't ready yet, so this is carried over into 2026 as it might happen then, depending on the Masters. I spoke at Author Nation in Las Vegas in November 2025, and before it started, I visited (Lower) Antelope Canyon, one of the places on my bucket list, and it did not disappoint. What a special place and no doubt it will appear in a story at some point! How did your 2025 go? I hope your 2025 had some wonderful times as well as no doubt some challenges — and that you have time for reflection as the year turns once more. Let me know in the comments whether you achieved your creative goals and any other reflections you'd like to share.The post Review Of My 2025 Creative And Business Goals With Joanna Penn first appeared on The Creative Penn.
Nickolas Natali is on a mission to hit $100K in monthly recurring revenue, and he's doing it out loud. In this inspiring and wildly honest conversation, Stacey Lauren sits down with Nickolas just weeks into launching “Project Moonshot,” a high-stakes challenge to radically scale his business. From living in a 1986 Suburban to becoming an ad agency founder, Nick shares the power of resourcefulness, gritty goal-setting, and community in staying the course. This one's a masterclass in doing the thing, especially when it's scary.In This Episode:00:00 – Launching “Project Moonshot” & the power of saying goals out loud04:55 – How Nick hacked a 3-year degree + the roots of resourcefulness08:22 – Paying off $60K in student loans by living in a car13:10 – Why Stacey launched the Billion Dollar Impact Marketplace18:41 – Integrity, community, and not giving up (even when it's hard)26:07 – Group psychology, impact entrepreneurship & moral marketing35:55 – Comfort Circles & helping people find their voice47:22 – Nick's pivot from podcasting to paid ads52:40 – The truth about repetitive discipline vs. shiny-object syndrome59:02 – Nick's real-time roadmap to $100K/month1:02:40 – Stacey gets coached by Nick—live!1:09:15 – The best kind of contagious growth YouTube: https://youtu.be/JiFjrTPOQtc Apple Podcasts: https://podcasts.apple.com/us/podcast/project-moonshot-nickolas-natalis-bold-%24100k-goal-the/id1618590178?i=1000742898505 Spotify: https://open.spotify.com/episode/6VRsceUuv4qFZ0MjPAohiF
Major digital assets recorded modest gains on Monday, Dec. 22, as the market regained its footing ahead of the Christmas holidays following recent volatility.~This episode is sponsored by iTrust Capital~iTrustCapital | Get $100 Funding Reward + No Monthly Fees when you sign up using our custom link! ➜ https://bit.ly/iTrustPaul00:00 Intro00:10 Light economic week01:00 Bloomberg: Global Macro outlook02:30 Shutdown odds03:00 CNBC: New fed chair pick in the first week of January05:15 Crypto tax harvesting06:30 Sponsor: iTrust Capital07:15 Tom Lee vs Fundstrat09:10 Will BTC hit $60K?09:14 Santa rally $120K?10:15 TSLA all time high11:20 CNBC: Can the market rally with no rate cuts13:00 Metals rally continue16:30 Vlad: AI unlike crypto lacks from an army of retail support18:50 Ray Dalio: Bitcoin is inferior to gold19:45 Working one job is not enough22:00 Outro#Crypto #Bitcoin #Ethereum~Suprise Year-End Rally?
I was on a coaching call yesterday with a bunch of people selling IT services, and the question came up: how do you handle price objections? When somebody says "that's expensive" or "more than we're paying now" or "higher than other bids," what do you do? I've got a really simple framework that works across any competitive selling situation—IT services, professional services, whatever. Here's how it works: First, ask "What makes you say that?" to understand if this is a negotiation tactic, a stall, or a real gap. Then clarify what it's relative to—get them to tell you the actual number they're comparing against. Here's the key move: minimize the amount psychologically. If you quoted $60K and they're at $42K, stop talking about $60K—now you're negotiating the $18K gap. Then slice it even smaller: "So we're $1,500 a month apart, or about 50 bucks a day for compliance?" That sounds way better than a $60K contract. Finally, isolate it: "If we can bridge that gap, are you ready to go ahead?" This episode breaks down the psychology of reframing price conversations so you're not defending your number—you're making the gap feel manageable relative to the benefits they want. Works across industries once you understand what we're actually doing here.//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
Why doesn't America match immigration levels to actual job creation? In this episode, Tara breaks down what she calls “Great American Stupid” — the complete disconnect between jobs numbers, immigration policy, and wages. From visa caps that ignore economic reality to Trump's aggressive push to reclaim jobs for Americans, this is a deep dive into how the labor market was distorted — and how it's being reversed.
#669: Slade (01:43) - Slade, 44, and his wife plan to downshift careers in the next five to seven years while raising their 11-year-old daughter. They want to know how to reallocate their $685K brokerage account and plan withdrawals to make the transition financially smooth. David (21:50) - David has a high school senior and is deciding how to pay for college. Should he tap the $60K 529 plan now or the $200K 457(b) from his wife's former employer to maximize tax efficiency and preserve future growth? Graham (37:52) - Graham loved the episode on holding bonds in a taxable account, but he's curious about a tax-efficient twist. Can an asset swap strategy let you rebalance and pull cash without triggering capital gains? Learn more about your ad choices. Visit podcastchoices.com/adchoices
Done will always beat perfect when you are building your next level. In this episode, I sit down with Drew and Rachel to talk about what it really takes to move through failure, chaos, and fear to build a life, marriage, and multiple 7-figure businesses together. We talk about how to stop operating from burnout, simplify your business to scale faster, and build real wealth instead of just cash flow. They share how messy action became their superpower, why faith and values drive every decision they make, how to raise your standards in business and leadership, and how to stop playing small even when your environment tells you to stay safe. Get ready to think bigger, move faster, and finally step into the CEO version of you. Check out our Sponsors: Shopify - Start your $1/month trial at Shopify.com/happy SKIMS - The SKIMS Holiday Shop is now open at SKIMS.com. Let them know we sent you by choosing Earn Your Happy podcast in the dropdown after you purchase. Brevo - Head to brevo.com/earn and use the code EARN to get 50% off Starter and Business Plans for the first 3 months of an annual subscription. Aura Frames - save on the perfect gift at AuraFrames.com - get $35 off Aura's best-selling Carver Mat frames with promo code EARN at checkout. Northwest Registered Agent - Build your complete business identity in just 10 clicks and 10 minutes. Visit www.northwestregisteredagent.com/paidearn Blinds.com - The Black Friday deals at Blinds.com are going strong all month long! Save $50 off when you spend $500 or more - use code EARN at checkout. HIGHLIGHTS 00:00 Why done is better than perfect when starting a podcast or business. 05:45 How did your opposite strengths in sales and social media become your power combo? 10:00 How did you scale from 60K months to nearly 300K months together? 17:30 The full business breakdown you need to stop money leaks fast. 22:45 Why so many salon owners stay stuck inside an industry bubble. 28:00 What core beliefs have allowed you to scale as both spouses and CEOs? 31:30 How learning independently and coming together sparks better ideas. 39:00 How unfinished ideas keep entrepreneurs stuck in constant reset mode. 41:30 The launch where nearly the entire room stood up to build their own brand. 47:00 Why fixing symptoms alone keeps businesses stuck. 53:00 The first steps to thinking like an owner instead of an operator. 57:30 What is the vision behind your podcast and live events? 01:04:15 Leaving an environment that didn't believe in big dreams. 01:09:15 Why relentless pursuit is required for massive goals. 01:15:15 The Blueprint Live training for building both business and brand. RESOURCES Join Rachel and Drew's SALONCON 2026 HERE Join the FREE Salon Owner Club HERE Listen to Brand Talk with Rachel and Drew HERE Apply for our Elite Entrepreneur Mastermind HERE Get on the waitlist for MCM Mastermind HERE Join the Audacity Challenge HERE! Check out our FREE 90-Day Business Blueprint HERE! Listen to my free SECRET PODCASTS SERIES - Operation: Rekindle This B*tch Get glōci HERE Use code: HAPPY at checkout for 25% off! FOLLOW Follow me: @loriharder Follow glōci: @getgloci Follow Rachel: @rachelpaigexo Follow Drew: @mdrewthomas
Zelensky Rejects Trump's Peace Plan, Refuses To Cede Territory To Russia! Plus, Border Czar Homan Says Over 60K Smuggled Children Rescued & Senior US Diplomats Slam EU's Censorship Against Americans on X
OUT NOW — New Episode! Host PMELA COOK sits down with author KATHARINE POLLOCK for a smart, candid and joyfully nerdy conversation about creativity, fandom, rejection, resilience and the winding road to publication — from PhD manuscript to debut, and now her latest novel Starry-Eyed. They dive into writing craft, comedy, character development, confidence, comparison, and surviving the emotional rollercoaster of the publishing world, with warmth, wit and honesty for writers at any stage of the journey. #writes4women #writingpodcast #australianauthors #femalewriters #booklaunch #authorslife #amwriting #writingcommunity #fictionwriters #booksbooksbooks Timestamps: [00:00] Finding creative community & weathering rejection[01:59] Early writing memories & first sparks[04:52] Studying writing — Honours to PhD[07:02] Turning academic work into a debut novel[16:00] From manuscript to Penguin Random House[21:36] Writing Starry-Eyed: fandom, obsession & humour[30:11] Craft, character growth & mother-daughter complexity[40:14] Publication, promotion & lessons learned[41:45] A new book in the works — nearly 60K words in SHOW NOTES: Writes4Women www.writes4women.com Facebook @writes4women Substack: https://writes4women.substack.com/ Katherine Pollock Website: click here Instagram: click here Pamela Cook www.pamelacook.com.au Facebook: click here Twitter: click here Instagram: click here This episode produced by Pamela Cook for Writes4Women on unceded Dharawal Country. Support the show: https://www.patreon.com/writes4women?fan_landing=trueSee omnystudio.com/listener for privacy information.
Through the month of December, Memoir Nation podcast is hosting a series called JanYourStory Prep to get listeners ready and excited to participate in our January writing challenge to write 500 words a day every day in January. Inspired by Grant's 12 years as Executive Director of NaNoWriMo, JanYourStory is for memoirists, but anyone can join this free challenge. Instead of writing 60K words in November as was the case with NaNoWriMo, we're inviting writers to write 15K words in January. Many of the principles and values of NaNoWriMo are buoying this event, which is why we're so grateful to have the blessing, support, and wisdom of Chris Baty, who joins the show this week to talk about why writing challenges are helpful and should always be grounded in fun, and what he's learned about writing and writing in community since he accidentally founded NaNoWriMo in 1999. Chris Baty's idea for National Novel Writing Month (NaNoWriMo) sprang into the world in 1999 with 21 friends writing novels together in the month of November. He watched the event grow to more than 300,000 writers in 90 countries. He's currently working on a novel about an assistant librarian trying to return a DVD in post-apocalyptic Canada. He's also the author of No Plot? No Problem! and the co-author of Ready, Set, Novel. In 2025, Chris launched NaNo2 with a group of other volunteers in the wake of NaNoWriMo closing its doors—and he's happy to take the credit we're giving him for being the father of it all. See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
Welcome back to another episode of The Richer Geek Podcast. Today, we are joined by Daanish Azim, who built a $60K/month Airbnb business without owning a single property. He lost everything in 2022, took a chance on one rental unit, and turned it into a small empire. Now he teaches others how to do the same through Airbnb arbitrage. In this episode, we chat about… What Airbnb arbitrage is and how it works Why getting property owners' permission matters How to check city rules and avoid issues with regulations Funding the business using 0% business credit cards What today's Airbnb market requires: staging, photos, pricing, and systems Why some people need coaching and others don't Key Takeaways: You don't need to own real estate to start an Airbnb business Local rules matter, always check city regulations and HOAs Most units need proper staging and pro-level photos to stand out You can fund furniture using 0% business credit cards instead of cash Owners want three things: rent on time, low stress, and legal use Many beginners fail not from lack of information but lack of guidance Focusing on one business for at least a year builds real results Resources from Daanish Instagram | BNB Cashflow Resources from Mike and Nichole Check out our latest project here: Barcelona Hotel Fund LinkedIn | Gateway Private Equity Group | Nic's guide
On week's episode, Eric Schmidt, Yaron Werber, Tess Cameron, and Sam Fazeli kick off with biotech M&A news, including Alkermes' $2.37 billion offer for Avadel, following Lundbeck's surprise bid. Next, the co-hosts discuss J&J's $3.05 billion cash acquisition of Halda - the highest-priced deal for a company at this stage. The group also covers Merck's acquisition of Cidara Therapeutics to strengthen its antiviral pipeline. They debate whether biotech M&A is becoming more competitive, what big pharma is prioritizing, and the role M&A is playing in the current biotech rally. The conversation then shifts to Washington policy news, including the CDC website updates suggesting vaccines haven't been proven not to cause autism, alleged tensions between RFK Jr. and Dr. Marty Makary over FDA leadership authority and management-style concerns Next, in regulatory news, the co-hosts overview the FDA's approval of Arrowhead's Redemplo for FCAS, priced at $60K, and its competition with Ionis' Tryngolza. Novo Nordisk's semaglutide price cut and conversations on drug pricing trends and the impact on competition are also mentioned. The episode concludes with an overview of Zymeworks positive data and shifting in business model, Nuvalent's positive data and $500 million raise, and Olema's stock price increase and raise on the back of Roche's breast cancer data. *This episode aired on November 21, 2025.
The spa's almost ready, the pressure's on, and the to-do list keeps growing. Between perfectionism, retrogrades, and a few questionable decisions (looking at you, $60K art), Savanna and Tyler are navigating the chaos one deep breath at a time. It's not all going to plan, but it's getting done.Shop here now: https://www.savannaboda.com
Master Your Cashflow (Templates Included): https://startup-ideas-pod.link/money-map On this episode, I share my simple financial operating system that helps me run my business. I share actual workflows that have saved one of my portfolio company from an 11-week runway crisis (when they thought they had 8 months), and the templates behind his 13-week cash tracker, Bear/Base/Bull decision framework, and one-page board report. This is a rare look inside the tactics I use to think about cash flow, dilution strategy, and building companies that don't run out of runway by accident. Bank with Brex: https://startup-ideas-pod.link/brex-sip Timestamps 00:00 – Intro: The whiteboard that saved two companies 02:08 – The Financial Rhythm: Daily, weekly, monthly cadence 03:23 – Rule 1: The 13-Week Cash Flow System 06:10 – Rule 2: Cash vs. Accrual 08:14 – Rule 3: Extend Runway 12:13 – Rule 4: Be Exit Ready 15:06 – Rule 5: Cards and Credit 18:01 – Rule 6: Track 5 Weekly Metrics 20:00 – Rule 7: The Monthly One-Pager 21:12 – Rule 8: Tools and Automation 26:11 – Rule 9: Dilution Mindset 27:59 – How to implement: The weekly rhythm in practice 29:31 – Action plan and closing Key Points Your P&L lies about survival—one portfolio company thought they had 8 months of runway but actually had 11 weeks when mapped to real cash flow The Bear/Base/Bull decision framework prevents emotional spending: if two-plus scenarios say no, wait (a $60K conference booth was rejected in bear case, approved two months later in bull case) Acquisitions happen in 48 hours—keep a 10-file data room updated quarterly so you can respond to Tuesday emails with Wednesday meetings Trust doesn't scale, policy does: weekly corporate card reviews caught an $8K personal ad spend in 7 days instead of 30 The system runs itself once built: 15 minutes Monday + 30 minutes Friday + 4 hours/month replaces heroic monthly scrambles Every dollar raised costs ownership forever—cutting $40K/month burn has the same 12-month runway impact as fundraising but with 0% dilution The #1 tool to find startup ideas/trends - https://www.ideabrowser.com LCA helps Fortune 500s and fast-growing startups build their future - from Warner Music to Fortnite to Dropbox. We turn 'what if' into reality with AI, apps, and next-gen products https://latecheckout.agency/ Boringmarketing - Vibe Marketing for Companies: boringmarketing.com The Vibe Marketer - Join the Community and Learn: thevibemarketer.com Startup Empire - get your free builders toolkit to build cashflowing business - https://startup-ideas-pod.link/startup-empire-toolkit Become a member - https://startup-ideas-pod.link/startup-empire FIND ME ON SOCIAL X/Twitter: https://twitter.com/gregisenberg Instagram: https://instagram.com/gregisenberg/ LinkedIn: https://www.linkedin.com/in/gisenberg/
Sayam Ibrahim reveals how he quit Wall Street, rebuilt his life through real estate, and scaled to 600 rental doors using systems, mentorship, and AI.In this episode of RealDealChat, Jack Hoss sits down with Sayam Ibrahim, founder of Hero Homes, to discuss how he walked away from Wall Street to build financial freedom through real estate.Sayam shares his story of quitting his high-paying finance job cold-turkey, facing family pressure, and discovering real estate as the path to generational wealth. From flipping his first home for $60K to losing everything on his second deal, Sayam explains how mentorship, systems, and AI helped him scale to over 600 rental units and a hotel in the Dominican Republic.He also breaks down how to find off-market deals, use AI for lead generation, and protect your business with multiple exit strategies.You'll learn:Why Sayam left Wall Street to pursue real estate freedomHow he turned failure into a $250M portfolioThe role mentorship played in scaling fasterWhy every deal needs multiple exit strategiesHow to find off-market sellers using AI & automationHow to raise capital and fund deals without banksLessons from scaling and self-managing 600 doorsHow to balance working in vs on your businessReal AI use-cases for acquisitions, PM & marketingWhy mindset, mentorship & systems beat hustle
Global Investors: Foreign Investing In US Real Estate with Charles Carillo
In this episode, Anne Curry shares how she went from earning $5/hour as a preschool teacher to owning 300+ real estate units, using a simple formula: ordinary income + extraordinary conviction + time. Her journey reveals what's truly possible with mentorship, affordable housing strategy, and the BRRRR method, even in today's market. You'll learn how Anne scaled from single-family homes to multifamily, how she took down a 60-unit value-add building with zero experience, and why affordable housing and Section 8 rentals can outperform traditional rentals when managed correctly. Whether you're new to real estate or ready to scale, this episode gives you actionable insights, mistake-proof strategies, and a clear path to long-term wealth. In This Episode - How Anne bought her first $60K fixer-upper and doubled its value How to start in real estate with no money or experience Why mentors accelerate your real estate journey The truth about Section 8 housing and affordable housing investing How she scaled from single-family to large multifamily using the BRRRR method The story behind her 60-unit “BRRRR on steroids” Why she teaches “get rich slow” Strategies for long-term, generational wealth Learn More About Anne Here: Anne Curry Homes - https://www.annecurryhomes.com/ Connect with the Global Investors Show, Charles Carillo and Harborside Partners: ◾ Setup a FREE 30 Minute Strategy Call with Charles: http://ScheduleCharles.com ◾ Learn How To Invest In Real Estate: https://www.SyndicationSuperstars.com/ ◾ FREE Passive Investing Guide: http://www.HSPguide.com ◾ Join Our Weekly Email Newsletter: http://www.HSPsignup.com ◾ Passively Invest in Real Estate: http://www.InvestHSP.com ◾ Global Investors Web Page: http://GlobalInvestorsPodcast.com/
If your short-term rental looks the same as it did three years ago, you're already falling behind.In this episode of Cash Flow Positive, host Kenny Bedwell explains why innovation isn't optional. It's the only way to stay competitive in a rapidly evolving STR market. From hotel refresh cycles to new amenity trends, Kenny breaks down how to model what the pros do and apply it to your own properties.He shares real examples of how top operators are staying ahead, from custom pickleball-court designs and splash pads to unique features like three-sided golf simulators and container pools, and why the hosts who think three to five years ahead always win.Learn how to build your own “moat,” create long-term value, and keep your listings at the top of the market.Timestamped Highlights[00:00] Why every STR owner must think like a hotel brand[00:01:00] The hotel renovation cycle and what it teaches hosts about innovation[00:02:00] Sneak peek: Kenny's live event in New Orleans (Feb 28 – Mar 1) on scaling beyond STRs[00:04:30] The hidden power of staying ahead of your competition[00:07:00] Thinking long-term three- to five-year reposition cycles[00:08:30] Why copying others' amenities is a race to the bottom[00:09:40] The “Fab Five” amenities and how to make yours stand out[00:12:45] How Kenny's $40K three-sided golf simulator became a game-changer[00:15:30] New trends: designer pickleball courts, splash pads, and beyond[00:17:30] Building room for future upgrades into every property[00:18:40] How one container pool added $60K in annual revenue[00:20:35] When it's smarter to innovate than to buy another property[00:21:20] Lessons from hotel design and guest experience[00:22:45] Practical ways to stay “top dog” in your marketResourcesAttend Kenny's Live Scaling Event (Feb 28–Mar 1, New Orleans) Important LinksWant us to find the deals for you? https://strinsights.com Get Top Markers for STRs (2025) - https://rebrand.ly/28b1df Instagram – @kenny_bedwellYouTube – Cash Flow PositiveLinkedIn – Kenneth BedwellCash Flow Positive is an original podcast hosted by Kenny Bedwell. Brought to you by STR Insights and Podcast Your Brand. Production and editing by Podcast Your Brand.
What if your entire market has fewer than 100 LOs? Is hiring a recruiter still worth it? In this episode of Recruiting Conversations, I walk through the exact framework for determining whether a recruiter is the right move in a small market. I cover the systems, mindset, math, and sequencing that make it work, and share a real-world story of one leader who turned 85 LOs into 9 hires in 12 months. This isn't about headcount. It's about mastery, clarity, and building a system that multiplies your time. Episode Breakdown [00:00] The Question – Is it worth hiring a recruiter if I only have 70 to 100 loan officers in my area? [01:00] Why Market Size Is the Wrong Lens – It's not how many LOs exist, it's how many are aligned and how strong your system is [02:00] Visibility vs. True Recruiting – Reaching out once is not recruiting. You need consistent, structured engagement [02:30] Real Story: Midwest Leader With 85 LOs – After mapping the market, he realized very few LOs had received consistent value or follow-up [03:30] Question 1: Is Recruiting a Top 3 Priority? – If not, a recruiter becomes an admin, not a multiplier [04:00] Question 2: Do You Have a System? – CRM, avatar, cadence, scripting, follow-up, all must be in place before hiring [04:45] Question 3: Are You Recruiting for Fit or Volume? – In small markets, alignment is more important than raw production [05:20] Question 4: Can You Tell a Clear Story? – If your recruiter can't communicate your value clearly, you'll lose to comp-focused competitors [06:00] The Math That Makes It Work 3 key hires = $60K/month revenue $720K annually More than enough to justify the hire [06:30] What a Recruiter Should Be – Not a cold caller, but a connector who runs value plays and books warm calls [07:00] When to Delay the Hire – If your system is messy or undefined, wait. Build first. Then hire [07:30] Real Results – The Midwest leader built a system first, hired a recruiter second, and scaled to 9 hires in a "too small" market [08:00] Action Steps Build a clean LO list Document your recruiting message Create a 90-day value-add follow-up plan Prove it works Hire a recruiter to run the top of funnel [09:30] Closing Thought – You don't need more market. You need more mastery. Strategy wins, not size Key Takeaways It's Not About Market Size. It's About Market Mastery – A recruiter in a small market works if the system is already built Recruiting Must Be a Top Priority – No hire can replace your ownership of the vision Build First, Hire Second – Document your message, process, and rhythms before bringing someone in Focus on Alignment Over Volume – In a small market, values and vision matter more than raw numbers Your Story Wins the Game – When your message is clear, your recruiter becomes a magnet, not a salesperson A small market doesn't limit your impact. Lack of clarity does. Build the system. Then scale it with the right partner. Want help building your recruiting system so a recruiter can multiply it? Subscribe to my weekly email at 4crecruiting.com or book a strategy session at bookrichardnow.com. Let's help you win in any market no matter if it's big or small.
Morse code transcription: vvv vvv Crime fixer caught by BBC offering to erase 60K fines on migrant workers Miss Universe contestants walk out after organiser berates Miss Mexico Chris Mason The justice system is failing and the buck stops with Lammy Newspaper headlines Not again... and Democratic cheer Mexico president to seek charges after being groped on street In pictures Beaver supermoon seen around the world Record referrals to Prevent anti terror programme How caffeine can help you manage headaches and other tips ADHD patients in limbo as NHS closes door on care EV drivers could face new tax in Budget
Morse code transcription: vvv vvv ADHD patients in limbo as NHS closes door on care In pictures Beaver supermoon seen around the world Mexico president to seek charges after being groped on street EV drivers could face new tax in Budget Crime fixer caught by BBC offering to erase 60K fines on migrant workers How caffeine can help you manage headaches and other tips Miss Universe contestants walk out after organiser berates Miss Mexico Chris Mason The justice system is failing and the buck stops with Lammy Newspaper headlines Not again... and Democratic cheer Record referrals to Prevent anti terror programme
Morse code transcription: vvv vvv ADHD patients in limbo as NHS closes door on care Record referrals to Prevent anti terror programme Mexico president to seek charges after being groped on street In pictures Beaver supermoon seen around the world Crime fixer caught by BBC offering to erase 60K fines on migrant workers Chris Mason The justice system is failing and the buck stops with Lammy EV drivers could face new tax in Budget Newspaper headlines Not again... and Democratic cheer Miss Universe contestants walk out after organiser berates Miss Mexico How caffeine can help you manage headaches and other tips
Morse code transcription: vvv vvv Newspaper headlines Not again... and Democratic cheer Crime fixer caught by BBC offering to erase 60K fines on migrant workers Chris Mason The justice system is failing and the buck stops with Lammy EV drivers could face new tax in Budget In pictures Beaver supermoon seen around the world Miss Universe contestants walk out after organiser berates Miss Mexico How caffeine can help you manage headaches and other tips Record referrals to Prevent anti terror programme ADHD patients in limbo as NHS closes door on care Mexico president to seek charges after being groped on street
Today's guest is no newcomer to Amazon selling. He's been doing it as long as anyone you know trying various strategies, but it's never quite worked out in the end... until now. He quit THREE TIMES before finally settling into the model that's set to produce a $60K month for him next month! He discovered the ProvenAmazonCourse.com "replens" strategy paired with 3PMercury and he's now enjoying the most stable (and as of recently - HANDS FREE) system he's ever had! Hear the story in his own words on this new and inspirational episode! Don't forget to check out our episode sponsor Sellerboard, our awesome sponsor - THE accurate profit analytics tool for Amazon sellers that helps you calculate your profit precisely accounting for all hidden fees and in real time. Use our link and get a TWO month free trial: https://SilentJim.com/numbers Watch this episode on our YouTube channel: https://youtu.be/2y1DtO8po4M Show note LINKS: 3PMercury.com - Our best price https://3pmercury.com/friends and the free extension https://3pmercury.com/extension SilentJim.com/kickstart - If you want a shortcut to learning all you need to get started then get the Proven Amazon Course and go through Kickstart. SilentJim.com/bookacall - Schedule a FREE, customized and insightful consultation with my team or me (Jim) to discuss your e-commerce goals and options. ProvenAmazonCourse.com - The comprehensive course that contains ALL our Amazon training modules, recorded events, and a steady stream of the latest cutting-edge training, including of course, the most popular starting point, the REPLENS selling model. The PAC is updated free for life! Free copy of "Silent Sales Machine" book Bob mentions: SilentJim.com/free11 Today's guest: Bob Frank
Morse code transcription: vvv vvv Scottish Parliament passes land reform bill Man drove at Huntingdon train stabbings attack suspect In pictures Beaver supermoon seen around the world Crime fixer caught by BBC offering to erase 60K fines on migrant workers Police hunt for two men mistakenly released from London prison Mone linked firm PPE Medpro owes 39m in tax Jeremy Vine completely devastated by Joey Barton X posts Inside Gaza, BBC sees total devastation after two years of war US elections Four takeaways after Democrats seal key wins Murder arrests after child killer Kyle Bevan found dead at HMP Wakefield
Morse code transcription: vvv vvv Mone linked firm PPE Medpro owes 39m in tax Police hunt for two men mistakenly released from London prison Man drove at Huntingdon train stabbings attack suspect US elections Four takeaways after Democrats seal key wins Jeremy Vine completely devastated by Joey Barton X posts Scottish Parliament passes land reform bill Crime fixer caught by BBC offering to erase 60K fines on migrant workers In pictures Beaver supermoon seen around the world Murder arrests after child killer Kyle Bevan found dead at HMP Wakefield Inside Gaza, BBC sees total devastation after two years of war
Morse code transcription: vvv vvv Scottish Parliament passes land reform bill US elections Four takeaways after Democrats seal key wins Police hunt for two men mistakenly released from London prison Jeremy Vine completely devastated by Joey Barton X posts Murder arrests after child killer Kyle Bevan found dead at HMP Wakefield Mone linked firm PPE Medpro owes 39m in tax Inside Gaza, BBC sees total devastation after two years of war Man drove at Huntingdon train stabbings attack suspect Crime fixer caught by BBC offering to erase 60K fines on migrant workers In pictures Beaver supermoon seen around the world
Morse code transcription: vvv vvv US elections Four takeaways after Democrats seal key wins Jeremy Vine completely devastated by Joey Barton X posts Inside Gaza, BBC sees total devastation after two years of war Scottish Parliament passes land reform bill Man drove at Huntingdon train stabbings attack suspect In pictures Beaver supermoon seen around the world Police hunt for two men mistakenly released from London prison Mone linked firm PPE Medpro owes 39m in tax Murder arrests after child killer Kyle Bevan found dead at HMP Wakefield Crime fixer caught by BBC offering to erase 60K fines on migrant workers
If you are feeling stuck after you launch your business - maybe around $40 - $60K - it's very likely a fear of success that is holding you back, not a fear of failure. Sneaky thoughts like "I'm not good with money" or "no one could ever sell as good as me" or "I'm the only one who can make my product" or "I'm not good at managing people" are likely keeping your business small so that you can avoid the things that often come with success. On today's podcast I share with you some fears that came from CPG founders just like you on a recent Master Your Business call and what do to about them so you can get to the next level in your business. If you are thinking about starting a food biz or want to grow into a new channel - Get my FREE three-part video series: 3 Ways to Sell → click here ← Is 1:1 Business Coaching calling your name to scale your existing business and stop working so dang hard? Explore coaching with Sari here Pick up your copy of the Amazon best selling book
In this episode of Off Topic, Eric sits down with Dominique Calhoun, the visionary founder of Remix Living. Known for her bold, maximalist approach to interiors, Dominique blends heritage, art, and fashion to create spaces full of personality and meaning.With over 145 completed projects—including work for Malcolm Jenkins and Kevin Hart—and as the only Black interior designer in Philadelphia with a showroom, Dominique has turned Remix Living into a destination for design lovers seeking high style that's both accessible and aspirational.Tune in as Dominique shares how she built her brand, what inspires her creativity, and how she's using her platform to inspire over 60K design enthusiasts to embrace individuality and confidence in every space they create.
What if sharing a car and knocking on doors as a student became the launch pad for a six‑figure business? In today's conversation, Steve welcomes Eric Fraser — once a rookie branch manager with the YEAA program (via Student Painters) and now the founder of PitStop Mobile Oil Change. Eric drops the story of how he and his brother shared one vehicle, hustled through logistics and cold‑calling, and eventually scaled a mobile oil‑change business to nearly $750K in revenue. They explore the mindset of radical responsibility, the value of early accountability, and how hard‑earned habits from a summer business translate into both corporate and entrepreneurial success. Listen now to avoid staying stuck in "what‐if" mode, gain a unique blueprint you won't read in textbooks, and commit to the kind of execution that turns ideas into action. Timestamped Highlights [00:01:15] – The ROTC‑to‑entrepreneur pivot: Why physics major Eric chose the summer business route [00:03:45] – How Eric and his brother ran one car, shared gas funds and built their first branch manager launch [00:08:45] – Why having "just one car" forced discipline, marketing, and accountability [00:14:51] – The journey from $60K in sales his first year to managing and mentoring a team [00:17:16] – The mobile oil change business idea: from Jiffy Lube job to fleet contract with 500‑700 oil changes/month [00:22:17] – Cold‐calling Avis/Budget fleet accounts: the prompt and process behind the break‑through deal [00:28:15] – The three big takeaways: start messy, delegate for leverage, radical responsibility wins [00:43:33] – What's next: "Messy growth year" 2025 and goal to build a ~$1M‑sale business in 3‑5 years About the Guest Eric Fraser is the founder of PitStop Mobile Oil Change, a growing mobile fleet and retail vehicle maintenance service with locations in Columbus, OH and San Diego, CA. A former branch manager with Student Painters/YEAA, Eric leveraged early leadership and sales experience to transition into data analytics and consulting roles (including at Booz Allen Hamilton and Intuit's QuickBooks division) before returning to scale his own business. His blend of operational discipline, sales grit and leadership mindset offers a rare blueprint for students, corporate professionals and entrepreneurs alike.
Peace & Trade Deals in Malaysia; Are You Tired of WINNING? Buckle up, truth warriors—@intheMatrixxx and @shadygroove, the relentless intel hounds dismantling deep-state deceptions, charge into Season 7, Episode 204, “Peace & Trade Deals in Malaysia; Are You Tired of WINNING?”, exposing President Trump's Kuala Lumpur coup where he sealed the Malaysia-Cambodia peace pact as his 8th war crushed—eyeing Russia-Ukraine next—while forging tariff-slashing trade frameworks with ASEAN allies to flood U.S. farms and factories with billions, all amid day 27 shutdown sabotage starving small biz of $4.5 billion in loans and 43 million SNAP souls, California's 60K illegal trucker licenses sparking federal funding nukes, Florida grand juries unleashing Crossfire Hurricane indictments, White House ballroom rebirth on $350M patriot cash, and Q's 8th birthday proofs syncing Speaker Johnson's Dem-doom drop with 2018 drops. With razor-sharp breakdowns of Portland agitator traps, CIA drug cartel takedowns echoing Kennedy shadows, Canadian psyop smears via fake Reagan AI, and influencer flips eroding MAGA lines, the duo spotlights Trump's economic hammer over endless wars, rallies independent research against MSM blackouts, and questions if victory fatigue's real in this America-First avalanche. The truth is learned, never told—the constitution is your weapon—tune in at noon-0-five Eastern LIVE to stand with Trump! Trump, Malaysia peace, trade deals, shutdown day 27, Q proofs, anniversary, grand juries, California CDLs, White House ballroom, Portland agitators, CIA drug ops, Canadian propaganda, America First, tariffs, @intheMatrixxx, @shadygrooove, MG Show, winning mgshow_s7e204_peace_trade_deals_malaysia_tired_of_winning Tune in weekdays at 12pm ET / 9am PST, hosted by @InTheMatrixxx and @Shadygrooove. Catch up on-demand on https://rumble.com/mgshow or via your favorite podcast platform. Where to Watch & Listen Live on https://rumble.com/mgshow https://mgshow.link/redstate X: https://x.com/inthematrixxx Backup: https://kick.com/mgshow PODCASTS: Available on PodBean, Apple, Pandora, and Amazon Music. Search for "MG Show" to listen. Engage with Us Join the conversation on https://t.me/mgshowchannel and participate in live voice chats at https://t.me/MGShow. Social Follow us on X: @intheMatrixxx https://x.com/inthematrixxx @ShadyGrooove https://x.com/shadygrooove Follow us on YouTube: ShadyGrooove https://www.youtube.com/c/TruthForFreedom Support the show: Fundraiser: https://givesendgo.com/helpmgshow Donate: https://mg.show/support Merch: https://merch.mg.show MyPillow Special: Use code MGSHOW at https://mypillow.com/mgshow for savings! Wanna send crypto? Bitcoin: bc1qtl2mftxzv8cxnzenmpav6t72a95yudtkq9dsuf Ethereum: 0xA11f0d2A68193cC57FAF9787F6Db1d3c98cf0b4D ADA: addr1q9z3urhje7jp2g85m3d4avfegrxapdhp726qpcf7czekeuayrlwx4lrzcfxzvupnlqqjjfl0rw08z0fmgzdk7z4zzgnqujqzsf XLM: GAWJ55N3QFYPFA2IC6HBEQ3OTGJGDG6OMY6RHP4ZIDFJLQPEUS5RAMO7 LTC: ltc1qapwe55ljayyav8hgg2f9dx2y0dxy73u0tya0pu All Links Find everything on https://linktr.ee/mgshow
This is a super short episode today in honour of my son Jairus who died this day 6 years ago. And in honour of myself and my choice to keep living fully and thriving forward beyond grief and trauma.The thoughts you think regularly or allow to run unchecked are not neutral. They have the power to harm or help you. It's critical that you notice your thoughts, learn to interrupt unhealthy thought patterns, and intentionally plant and water affirming and life-giving thoughts.Even 30 seconds or three minutes a day will help intentional thoughts put down deep roots and bear fruit in time. Take good care of yourself. You matter. Krista xoNOTE: Regarding the number of thoughts we have each day, sources differ and offer ranges of 6k to 60K/day. Midlife women are chronically hard on themselves. But everything in life feels lighter and easier when we're on our own side. My free assessment and Befriend Yourself Workshop will help: https://www.alifeinprogress.ca/assessment/
[NOTE: This is a repost of the most recent Feedback Friday that many of you reported being unable to hear last week. Second time's a charm, we hope!]Your relative killed pets, threatened to stab his mother, displays psychopath traits, and now you're checking cold cases in his area. It's Feedback Friday!And in case you didn't already know it, Jordan Harbinger (@JordanHarbinger) and Gabriel Mizrahi (@GabeMizrahi) banter and take your comments and questions for Feedback Friday right here every week! If you want us to answer your question, register your feedback, or tell your story on one of our upcoming weekly Feedback Friday episodes, drop us a line at friday@jordanharbinger.com. Now let's dive in!Full show notes and resources can be found here: jordanharbinger.com/1224On This Week's Feedback Friday:You've learned disturbing facts about a relative who hurt animals as a child, threatened his mother with a knife, and displays blank emotions at family gatherings. You're checking unsolved murders in his area. What can you do before this becomes a gruesome headline — and are you already too late?You met your wife in a magical whirlwind romance, but an SSRI killed your attraction to her overnight. Now your Schizoid Personality Disorder is back, she's out of patience, and she wants kids. Do you fight for the greatest love of your life — or let her go so she can build the future she deserves?You've climbed from $60K as a nurse to $120K as a director, but the next step means constant stress and burnout. You want $220K so your husband can stay home with your daughter and you can care for aging parents. Can you rise without sacrificing your life — or do you need a completely different path?Recommendation of the Week: The StaircaseAfter Charlie Kirk's assassination, you're grieving someone you never met like you lost a close friend. Why do we hold famous people in such high esteem? And how does a fractured nation come together when our views of America's future couldn't be more different?Have any questions, comments, or stories you'd like to share with us? Drop us a line at friday@jordanharbinger.com!Connect with Jordan on Twitter at @JordanHarbinger and Instagram at @jordanharbinger.Connect with Gabriel on Twitter at @GabeMizrahi and Instagram @gabrielmizrahi.And if you're still game to support us, please leave a review here — even one sentence helps!Sign up for Six-Minute Networking — our free networking and relationship development mini course — at jordanharbinger.com/course!Subscribe to our once-a-week Wee Bit Wiser newsletter today and start filling your Wednesdays with wisdom!Do you even Reddit, bro? Join us at r/JordanHarbinger!This Episode Is Brought To You By Our Fine Sponsors:CovePure: $200 off: covepure.com/jordanBetterHelp: 10% off first month: betterhelp.com/jordanBoll & Branch: 15% off first set of sheets: bollandbranch.com, code JORDANProgressive: Free online quote: progressive.comSimpliSafe: 50% off + 1st month free: simplisafe.com/jordanSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
Your relative killed pets, threatened to stab his mother, displays psychopath traits, and now you're checking cold cases in his area. It's Feedback Friday!And in case you didn't already know it, Jordan Harbinger (@JordanHarbinger) and Gabriel Mizrahi (@GabeMizrahi) banter and take your comments and questions for Feedback Friday right here every week! If you want us to answer your question, register your feedback, or tell your story on one of our upcoming weekly Feedback Friday episodes, drop us a line at friday@jordanharbinger.com. Now let's dive in!Full show notes and resources can be found here: jordanharbinger.com/1224On This Week's Feedback Friday:You've learned disturbing facts about a relative who hurt animals as a child, threatened his mother with a knife, and displays blank emotions at family gatherings. You're checking unsolved murders in his area. What can you do before this becomes a gruesome headline — and are you already too late?You met your wife in a magical whirlwind romance, but an SSRI killed your attraction to her overnight. Now your Schizoid Personality Disorder is back, she's out of patience, and she wants kids. Do you fight for the greatest love of your life — or let her go so she can build the future she deserves?You've climbed from $60K as a nurse to $120K as a director, but the next step means constant stress and burnout. You want $220K so your husband can stay home with your daughter and you can care for aging parents. Can you rise without sacrificing your life — or do you need a completely different path?Recommendation of the Week: The StaircaseAfter Charlie Kirk's assassination, you're grieving someone you never met like you lost a close friend. Why do we hold famous people in such high esteem? And how does a fractured nation come together when our views of America's future couldn't be more different?Have any questions, comments, or stories you'd like to share with us? Drop us a line at friday@jordanharbinger.com!Connect with Jordan on Twitter at @JordanHarbinger and Instagram at @jordanharbinger.Connect with Gabriel on Twitter at @GabeMizrahi and Instagram @gabrielmizrahi.And if you're still game to support us, please leave a review here — even one sentence helps! Sign up for Six-Minute Networking — our free networking and relationship development mini course — at jordanharbinger.com/course!Subscribe to our once-a-week Wee Bit Wiser newsletter today and start filling your Wednesdays with wisdom!Do you even Reddit, bro? Join us at r/JordanHarbinger!This Episode Is Brought To You By Our Fine Sponsors: CovePure: $200 off: covepure.com/jordanBetterHelp: 10% off first month: betterhelp.com/jordanBoll & Branch: 15% off first set of sheets: bollandbranch.com, code JORDANProgressive: Free online quote: progressive.comSimpliSafe: 50% off + 1st month free: simplisafe.com/jordanSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
In this episode, ARK's Cathie Wood and Brett Winton sit down with Tom Lee — co-founder of Fundstrat Global Advisors and chairman of BitMine Immersion Technologies — to explore the rising influence of Ethereum as a financial infrastructure layer. Tom shares how BitMine transformed into the largest corporate holder of Ethereum globally, and why digital asset treasury companies DATs could serve as a bridge between traditional finance and decentralized networks.The conversation covers Ethereum's “ChatGPT moment,” the regulatory unlock of 2025, and why institutional investors may prefer equity-wrapped crypto exposure. Tom also lays out a bold vision in which Ethereum surpasses Bitcoin in market cap and becomes the financial internet's base layer — absorbing everything from stablecoins and tokenized assets to staking, liquidity backstops, and even prediction markets.The trio also examines risk dynamics, corporate strategy, and the architectural differences between proof-of-work and proof-of-stake systems as Wall Street starts to build on-chain.Key Points From This Episode:00:00:00 How BitMine evolved from a small miner into the largest Ethereum-holding DAT.00:03:00 Why BitMine's ETH per share jumped 9x in 8 weeks — and what's next.00:06:30 Why DATs exist at all — and why they're crucial for institutional access.00:08:05 Ethereum's “ChatGPT moment”: Stablecoins as breakout crypto products.00:10:29 How BitMine solved a regulatory bottleneck for ARK's crypto exposure.00:14:54 The flippage theory: Why Tom believes ETH will surpass Bitcoin.00:19:34 Proof-of-stake vs. proof-of-work: Comparing network resilience and incentives.00:24:06 Targeting 5% of ETH supply: How much is too much for a DAT?00:28:48 How BitMine is like a “reverse bank” — and why that earns it a NAV premium.00:33:16 What could dethrone BitMine's lead? The tech risk and Solana wildcard.00:38:47 Ethereum can't hold everything: Why multiple chains will exist.00:50:27 How tokenization unlocks transparency, pricing, and global efficiency.00:54:03 Tom's 2030 forecast: Ethereum at $60K and digital treasuries worth $5T.
How much passive income would you need to retire early? $60K/year? $80K/year? $100K/year? What if you could build a financially freeing passive income stream in just five years? Five years from now, you could retire early, quit your job, or keep building wealth. What would that freedom feel like? Joe Hammel has already achieved it, using a simplistic, beginner-friendly “bread and butter” rental strategy. Today, he's generating $115,000/year in pure cash flow from his rentals, just five years after buying his first rental. In this episode, Joe shares exactly how he grew his six-figure passive income stream and the exact blueprint you can use to replicate it. Joe invests in a market that real estate investors used to laugh at—Detroit. However, the tables are now turning, as Detroit continues to see solid appreciation, cash flow, and affordable prices. Joe buys houses for $100,000 (yes, even today), often using the “slow BRRRR strategy”, and rents them out for well above his costs. He says out-of-state investors can do this easily as well, and he has helped dozens repeat his system. This could be your path to achieving financial freedom in under a decade, just like Joe! In This Episode We Cover The “bread and butter” rentals beginners can buy to build passive income streams Why Joe says Detroit is such a solid real estate investing market (especially now) Using the “slow BRRRR” method to build wealth faster and increase your equity The best rental property types to target (for beginner investors, especially!) How to invest in affordable markets even if you live hours away And So Much More! Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/real-estate-1186 Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com. Learn more about your ad choices. Visit megaphone.fm/adchoices
Text Me A Question!Is your content getting attention but not sales? In this episode, Kim & Chris break down one of the biggest traps online business owners fall into — chasing virality instead of focusing on building buyers.They unpack why the influencer playbook no longer works for entrepreneurs, and how a “social media recession” is creating a brand-new opportunity for coaches, course creators, and service providers who know how to play the game differently.
Reach Out Via Text!In this milestone Growing Green Podcast episode Jeremiah Jennings celebrates 600+ episodes and reflects on the mission behind it all impacting lives through faith, leadership, and small business growth. He shares the incredible story of a listener who accepted Christ after hearing his recent gospel message, reminding everyone that the ultimate goal is eternal impact. Jeremiah then pivots into strategy mode, breaking down practical, step-by-step systems for keeping revenue strong through the winter. From turning your existing client list into $60K in enhancement sales to structuring Slack workflows and incentives for your team, this episode blends spiritual encouragement with tactical business advice. It's a raw, motivating look at faith, discipline, and finishing the year with purpose and profit.Support the show 10% off LMN Software- https://lmncompany.partnerlinks.io/growinggreenpodcast Signup for our Newsletter- https://mailchi.mp/942ae158aff5/newsletter-signup Book A Consult Call-https://stan.store/GrowingGreenPodcast Lawntrepreneur Academy-https://www.lawntrepreneuracademy.com/ The Landscaping Bookkeeper-https://thelandscapingbookkeeper.com/ Instagram- https://www.instagram.com/growinggreenlandscapes/ Email-ggreenlandscapes@gmail.com Growing Green Website- https://www.growinggreenlandscapes.com/
The Scaling Lounge: Business Strategy • Operations • Team
What if your next sale wasn't coming from your funnel, or your content, or your perfectly optimized sales page… but from someone else's inbox? That's exactly what today's guest, Nikki Trailor, has spent the last two years quietly refining. She's built a relationship-based referral system that now brings in 2–3 qualified high ticket leads every single month taking just two hours per week (talk about ROI!). . . . . . . . . . . . . .⭐️ Love this episode? We'd GREATLY appreciate a 5-star review! ⭐️. . . . . . . . . . . . .What's inside this episodeThe quiet 2-hour-a-week routine that's generated $100K+ in revenue in the last two years aloneHow a single message inside a Facebook group led to a full inbox, an $8K client, and multiple passive product sales — literally overnightWhy you should never assume a competitor won't refer clients to you — and the $60K proof that changed her mindThe subtle way Nikki initiates cold DMs without feeling like a bro marketer How she vets potential partners without asking invasive questions — and the casual touchpoints that reveal everything she needs to knowNikki's system for following up and staying top-of-mind for her partners without being annoying or needyThe single most overlooked piece of a successful referral system — and why ignoring this costs you more than you realize. . . . . . . . . . . . .Connect with Adriane and Visionaries!Let's be friends on the 'gram – @visionariesonline or @adrianegaleaConnect on Linkedin – with Adriane or VisionariesVisit us on the web at visionaries.coCome network with us in The Visionaries Collective . . . . . . . . . . . . .Nikki Trailor is a launch + funnel strategist who helps coaches and course creators add 5-6 figures to their monthly revenue, without launching new offers or increasing their ad spend. She's a roller skater, puzzle addict, and dance-obsessed marketing nerd who's on a mission to help more online CEOs scale their business while maintaining a spacious calendar.Connect with Nikki:Say hi on Instagram @nikki_trailorRegister for Nikki's FREE masterclass on How to DOUBLE Your Launch or Funnel Revenue
There's nothing quite like walking into a listing appointment prepared, only to have the seller slide an appraisal across the table before you can even share your thoughts. In this episode, we dive deep into the sometimes-helpful, often-headache-inducing world of pre-listing appraisals in real estate. Alissa shares a couple of jaw-dropping pricing stories, including one where she was blindsided by an appraisal that came in a full $60K over her estimate—and how she ended up taking the listing anyway (spoiler: she regrets it). Katy and Alissa get real about the pros and cons of pre-listing appraisals, when they're appropriate, and how they can be both a tool and a trap. You'll also hear two real-life case studies that show how appraisals can drastically impact seller expectations—and what happens when those numbers just don't line up with the market. From lessons learned the hard way to advice you can use in your next listing appointment, this episode is packed with insight, encouragement, and some painful pricing truth. If you've ever struggled to price a property—or convince a seller that their home isn't worth what Zillow (or their appraiser) says—this one's for you. Here's what we chat about in this episode: What is a pre-listing appraisal and why would a seller get one? Real-life pricing fails (and what we learned from them) Why appraisals aren't always reliable in shifting markets How to talk to sellers about appraisals without losing the listing Why CMAs and appraisals rarely match Specific scripts and verbiage to use when appraisals go wrong The pros and cons of recommending an appraisal yourself How to position yourself as the pricing expert—even when the appraiser disagrees Tips for navigating seller emotions and stubborn pricing Key Quotes/Takeaways “I should've gone in with my Alissa mentality: tell them the truth and let the chips fall.” – Alissa “Appraisers are only using data from homes that actually sold. They're not accounting for what's sitting on the market today.” – Katy “I prayed I was wrong, but the market proved me right—and the house sat for months.” – Alissa “Sometimes the appraisal says 510 and your gut says 450… and you take the listing anyway. Don't do that.” – Katy “You can get five appraisers and five different values. Your job is to be the constant.” – Alissa Products, People & Previous Episodes Mentioned: Build Your Own Business 101 (BYOB) Email Templates 101 Agent Systems 101 Buyer & Seller Checklists Want to chat with us? Join the Hustle Humbly Community or send us a message at team@hustlehumblypodcast.com. Don't forget to grab our free resources at hustlehumblypodcast.com! Want to support the show? Leave a review on Apple Podcasts or share this episode with a Realtor friend who needs it! Leave us a review at ratethispodcast.com/hustlehumbly Get your FREE Database Template Email Templates 101: emailtemplates101.com Build Your Own Business 101: hustlehumblypodcast.com/byob Agent Systems 101: agentsystems101.com All Resources: hustlehumblypodcast.com Submit your topic ideas and toasts to team@hustlehumblypodcast.com Music: Straight A's by Conner Price The Good Life by Summer Kennedy
This week on the podcast, I'm thrilled to welcome back a fan favorite—Kara Ward of Lemons to Lemonade Home. If you missed her first appearance, you'll definitely want to check out Episode 180, where she shared her incredible journey from working with Dave Ramsey to launching a successful YouTube channel all about furniture flipping. https://creativesonfirepodcast.com/episode214 In this new conversation, Kara walks us through the massive shifts she's made in her business—from rebranding her channel to expanding income streams, embracing Amazon's newest tools, and even how she automates her brand partnerships. Let's just say: if you've been looking for real-talk insight on how creators are actually earning online today (without doing all the things), this episode is packed with gold. From Furniture Flipping to Full-Time Creator Kara originally built her channel under the name Lemons to Lemonade Furniture, but recently made the shift to Lemons to Lemonade Home—a change that reflects not only her evolving content, but also a realistic pivot as she shares: “I'm 47 now and flipping furniture in 100° Texas heat just isn't sustainable forever.” This rebrand gives her the flexibility to show more sides of her life—motherhood, homeschooling, DIY projects, and everyday home inspiration—while still staying true to her roots in creative content. Takeaway: Your brand name can grow with you. You don't have to stay stuck in a box you outgrew years ago. YouTube: Her #1 Income Source Kara doesn't just dabble in YouTube—she's built a full-time income from her channel. In fact, YouTube ad revenue and sponsorships make up 80% of her monthly income. She shared how she landed a consistent stream of monthly sponsors through a talent manager and how just one viral video landed her a spot on the roster of her dream brand agency. But Kara was clear: you don't need 100K subscribers to get brand deals. Engagement matters more than numbers. “I only had around 60K when they reached out,” she says, “but my videos had consistent views and hundreds of comments.” What's New on YouTube? YouTube's latest game-changer? YouTube Shopping—a feature that allows creators to tag products directly in their videos. While Amazon links aren't supported yet, other platforms like Walmart and Lowe's are fair game. Kara uses this tool to highlight everything from her go-to sprayer to the pink toolbox in her background. Even her subscribers watching on a smart TV can now shop directly from the screen. Pro tip: YouTube is making it easier than ever to earn while you create. If you're already making videos, this is worth exploring. Amazon: Doubling (and Tripling) Her Income Kara's also crushing it on Amazon with both affiliate and influencer programs. She uses Creator Connections (Amazon's brand-driven bonus campaign system) to bump her commissions up to 20–30%—instead of the usual 2–4%. But digging through campaigns manually was a hassle… until she found Oink. "In my first week using the Oink extension, I made back the $29.99 subscription and then some." – Kara Ward Oink is a Chrome extension that scans your Amazon storefront, identifies what products qualify for bonuses, and accepts the campaigns for you—automatically. Total game-changer. The Truth About Niching Down There was a time when sticking to one niche was the golden rule. But Kara believes those days are behind us. “I don't think you have to stay in a tiny content box anymore,” she says. “Once you pull people in, they want to know more about you—your home, your family, your life.” While her content still centers around furniture and DIY, she sprinkles in real-life moments—like homeschooling updates and behind-the-scenes snippets—that build connection and trust. How Kara Promotes Her Content Even without a website or email list (yet!), Kara has found success promoting her content using: Instagram Stories – with countdowns and teaser clips Facebook – where she's nearing 100K followers YouTube Community tab – polls, video reminders, and feedback requests Bottom line: you don't need every platform, but you do need to consistently invite people into your world. Kara's Advice for Creators: Monetize what you're already doing. If you're using Amazon products, why not earn on them? Stay focused. Build one stream of income until it's nearly on autopilot before adding another. Don't wait for perfect numbers. One engaged community is more powerful than vanity metrics. Automate what you can. From Oink to brand management, systems make growth sustainable. Where to Find Kara Ward Online You can follow Kara everywhere under her new name: ➡️ YouTube, Instagram, TikTok, and Facebook: Lemons to Lemonade Home And if you want to try out the Oink extension, you can click here to check it out and use her discount code "LEMONS" for 10% off. Whether you're already earning on YouTube or just now exploring Amazon's creator tools, Kara's story is proof that with consistency, community, and a few smart systems, you can turn content into a career. Be sure to listen to the full episode—you won't want to miss the practical tips (and honest encouragement) Kara brings to the table. Stay creative. Links Mentioned in the Episode: OINK Amazon Solution (use Kara's Code: LEMONS or KARA for a discount on the paid version) Kara's Original Podcast Episode 180 Facebook FUEL Order the Book & Get Bonuses FUEL Mastermind is HERE Free Guide: Start Your Blog Today You can GO HERE to subscribe and review (On mobile, scroll down past the episodes to "Ratings & Reviews" section, tap the stars, then scroll down to "Write a Review") 2025 Content Planner for Content Creators SUBSCRIBE AND REVIEW I am honored to share a new episode of Creatives on Fire each week to bring you inspiration, behind-the-scenes secrets, and quality tips. I hope it is truly helpful for you. One of the best ways you can bless me in return is to subscribe to the show and leave a review. By subscribing, you allow each episode to be downloaded straight to your phone which helps the download numbers and ensures you never miss an episode. And when you leave a review, you help show others the value of what we provide! You can GO HERE to subscribe and review (On mobile, scroll down past the episodes to "Ratings & Reviews" section, tap the stars, then scroll down to "Write a Review")
Savanna spills everything about the wild ride of bringing her dream spa to life — from floorplan drama to $60K design regrets, HVAC heartbreaks, and a few code-red meltdowns along the way. It's chaotic, it's gorgeous, and it's almost done (we think).Shop here now: https://www.savannaboda.com