Podcasts about 75k

Bitcoin briefly broke above $80,000, reaching roughly $81,100, before profit-taking pushed it back into the upper $70Ks. Matt explains why $80K remains an important psychological resistance level, with investors who bought higher finally getting opportunities to exit and newer buyers sitting on substantial gains. He argues that a pullback toward $75K or even the low $70Ks would still be normal, while a sustained move back below $70K would make the rally look more like another bear-market bounce. The episode also covers nearly $2 billion in Bitcoin ETF inflows last week, Coinbase launching tokenized stocks on Base, Franklin Templeton expanding tokenized money-market funds in Asia, and BitMine buying roughly $81 million of Ethereum. Matt also looks at the political pressure surrounding the CLARITY Act and GENIUS Act implementation, while warning that the Fear & Greed Index at 80 shows just how quickly sentiment has shifted from fear to extreme greed. Happy HODLing. Hosted on Acast. See acast.com/privacy for more information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Everett Swain.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Everett Swain.

We're still surprised people did this but... 50+ founders worth $10M to $4B reveal their personal finances. Here it is: https://joinhampton.com/mw-wrWhy do we do this? Because if you're an aspirational person or someone who runs a business and is making money, it's incredibly challenging to figure out what to do. Information is impossible to find — and that's what we put together: the net worth reveal and why we do this podcast, Moneywise.A $3 billion founder's money advice: keep driving the Chevrolet. Here's why the richest guests all say the same five things.After 100+ episodes of Moneywise, the same five spending refusals kept showing up — from a $3B founder who's never sold a company, a guy who lost 95% of his net worth and won't buy his own socks, and Bryan Johnson, who spends $2M a year on his body and almost nothing on anything else. None of them read the research. There's 50 years of it, and they all landed in the same place anyway.This episode covers all five: first class, new cars, meaningless stuff, angel checks, and kids' comfort — plus the study behind each one (lottery winners, the MIT Celtics auction, the marshmallow test follow-up). Then Anne Mahlum, who sold SolidCore for nearly $100M and forces herself to spend $200K/month, tears the whole list apart. The episode ends with a 10-minute exercise using two questions that decide what stays on your card statement.Also, this podcast is made by Hampton, which is a community for founders doing on average $20 million a year in revenue. We saw a lot of these money conversations happening privately behind closed doors and we thought, "What the heck, let's make it public." If you are a founder, apply here: http://joinhampton.com/mwEpisodes Mentioned:How Rich Is 'Rich Enough' to Fly Private? — https://www.youtube.com/watch?v=5ZyTo6gppPw"I'm worth about $3 billion": What Happens When You DON'T Sell Your Business — https://www.youtube.com/watch?v=uZM0K9eqzx0What It's Like to Lose 95% of Your Net Worth Overnight (the socks guy) — https://youtu.be/fW-F3MKwevIBryan Johnson: I Probably Won't Actually Live Forever — https://www.youtube.com/watch?v=icWHq_xjhacHow to Not Ruin Your Kids with Your Wealth ft. Dr. Becky — https://www.youtube.com/watch?v=uB1SmMA-nLkTimestamps:0:00 — Cold open: the $3B founder, the socks guy, and Bryan Johnson's $2M body budget0:28 — 100 episodes in, the same five patterns kept repeating — and 50 years of research explains them1:05 — Why guests reveal their real numbers on Moneywise1:50 — #1: First class. "I still fly coach unless it's international" — his "poor kid habit"2:27 — Hedonic adaptation, and the lottery winners who scored lower on enjoying breakfast3:52 — #2: New cars. The $3B founder's advice: don't buy the Ferrari, drive the Chevrolet4:14 — The Millionaire Next Door data (most popular millionaire car: Ford F-150), "big hat, no cattle"4:40 — The commute study: zero relationship between car value and happiness5:35 — #3: Stuff. The socks guy's filter: "Does this dollar come back to me or is it gone?"6:03 — Stanford brain scans: every purchase is want vs. hurt6:28 — The MIT Celtics auction — credit card bidders paid double7:26 — #4: Angel checks. Bryan Johnson writes none — half of deals lose money, 7% produce 75% of returns8:41 — Opportunity cost neglect and attention residue: every check is an open tab in your head10:15 — #5: Kids' comfort. Parents who could buy any seat, flying the family in coach on purpose11:06 — The marshmallow test follow-up wealthy parents actually care about12:11 — 70% of family money gone by generation two, 90% by generation three13:17 — The counterargument: Anne Mahlum ($115M, spends $200K/month) — "I hate when people don't spend on principle"14:19 — The 2023 rerun of the $75K happiness study, and buying back time15:55 — The 10-minute exercise: two questions to run against last month's card statement16:33 — If you run a $3M+ company: HamptonSponsors: Daily Body Coach - achieve your dream body with https://moneywise.dailybodycoach.comSubscribe to Moneywise: https://www.youtube.com/@themoneywisepodcastFollow Daniel on X: https://x.com/danielcberkListen on Spotify / Apple Podcasts: [search "Moneywise Hampton"]

It's been a minute since I gave you a full behind-the-scenes update, so today's episode is a solo catch-up plus is Nara Smith a trad wife or a genius businesswoman cosplaying domesticity? A mom informed her three adult daughters they now owe her $300/month, should they pay? And OpenAI took a group of creators on a luxury brand trip that the internet did NOT let slide, but who actually deserves the scrutiny? Stay till the end because I'm sharing all the ways you can work with me right now and diving into the biggest takeaway of this episode: money, power, and influence are always operating behind the image.WE GET INTO: 0:00 – Intro: what's on deck today0:00 – Business update: Sales Without Social launch recap4:54 – New digital products program (coming soon)7:15 – Financially Lit Club school community + the $75K challenge11:50 – Rich Mommy Retreat: Costa Rica, Nov 2–515:17 – Personal health update: GLP-1, HRT, and 50+ lbs lost17:41 – Perimenopause, chronic illness, and Latino community health gaps22:21 – Is Nara Smith a trad wife?26:40 – Am I the Asshole: the $300/month "daughter dividend"35:17 – The OpenAI creator brand trip backlash39:46 – The common thread: money, power, and image42:12 – Ways to work with Jannese + closingKEY TAKEAWAYS:Passive marketing beats algorithm dependencyThere's no ceiling on what you can earnDomesticity ≠ financial dependence, and vice versa isn't automatically liberationFamily generosity shouldn't be a mandatory recurring invoiceBrand partnerships come with responsibility — ask what you're lending your name toFinancial literacy goes way beyond budgetingEPISODE RESOURCES:

Guest:Weslea O'Connor knows what it means to have life rewritten overnight. A former real estate professional turned healthcare executive, she is now the founder and voice behind The Survivor's Edit, a deeply personal blog chronicling her journey through cancer with equal parts honesty, humor, and hope. Rather than offering clichés, Weslea explores the messy middle—the fear, resilience, relationships, and unexpected lessons that come with surviving. Her writing has resonated with readers looking for something real: not polished inspiration, but authentic humanity. Today, she joins us to talk about illness, identity, and how sometimes the most powerful stories are the ones we never planned to tell. Monologue:School Is Back In SessionMyths You Must Know Are FakeDelta 8 OUTLAWEDRare AI Books DestroyedEvery week from Dripping Springs, Texas, Steve Mallett and Michelle Lewis sit down with fascinating guests-from entrepreneurs and musicians to elected officials, authors, and community leaders-for conversations that are funny, authentic, and full of stories worth sharing. They dive into everything from life's absurdities to community quirks, adding their signature blend of small-town charm and bold candor. Think of them as the funny neighbors with the best stories-the ones who always tell it like it is. With a healthy dose of Hill Country spirit, they explore local happenings and universal topics that connect us all, proving you don't need to be famous to be extraordinary-you just need a microphone and the courage to share your voice. Every episode delivers laughter, insight, and genuine connection. New episodes every week...because ordinary people make the best damn stories. Send us Fan MailSupport the showThe Best Realtor in Dripping Springs? The #1 choice is the Mallett Integrity Team, led by Steve Mallett. Local experts and results-driven service-Cedric Mills, Carlisle Kennedy, Maury Boyd, and Michelle Lewis.SouthStar Bank a tradition of full-service community banking for over 100 years. Your neighborhood Bank. Stop by a branch today! The Deep Eddy Vodka Tasting Room in the TX Hill Country just outside Austin, TX, welcomes over 75K visitors annually and sits within the former bottling plant. Family Friendly Fun in the Hill Country. Black Slate Construction /Black Slate Roofing-Locally owned and operated in Austin, TX! Over a decade of experience-their skilled team delivers high-quality construction/roofing and exceptional service.Follow us, leave a review and TELL A FRIEND!Mallett and Michelle Podcast Website

Get 15% of on Saily E-SimsThis podcast episode is sponsored by Saily. Saily is an ESIM service app created by the security experts behind NordVPN. Instead of paying absurd daily rates to your home carrier or swapping SIM cards on arrival, Saily gives you flexible prepaid data plans in over 200 destinations worldwide. Download Saily from your app store and use our code FREQUENTMILER at checkout to get 15% off your first purchase. https://saily.com/frequentmilerHow do you handle travel when you are traveling with friends who don't play the game? How would you rank the premium economy cabins? We answered these questions and more on the Ask Us Anything hosted live on YouTube on August 5th, 2026.(00:46) - How do you handle travel when you are traveling with friends who don't play the game? Do you adjust your plans to cheaper options to make it more affordable for them? Do you cover any portion of their travel with your points?(05:31) - Excluding automobile coverage, must one use a specific credit card to get non-automobile insurance coverage? (i.e., which credit cards can you get travel coverage just by having the card?Read our resource about travel protections here: https://frequentmiler.com/ultra-premium-credit-card-travel-insurance/(06:55) - ​​Which credit cards have certificate/award claw-backs if you have a merchandise return credit to your card? Hotel credits? What about other cards?(09:18) - How far out does your card strategy for new SUB's typically go into the future? And do you stray if a shiny big bonus appears on one you did not plan for?(13:01) - What is your breakeven point if it's only 15K economy but 75K business, would you go with economy for 60K savings? Why did you choose your answer?(18:28) - With the changes in the Chase Ink train and Chase being more flexible with accepting applications after 5/24, I've gotten 2, is it time to rethink the 5/24 strategy? How do you navigate being over it?​(20:33) - Looking to spoil my wife and 3 teens with a business class long flight. I'll fly from anywhere to anywhere. I simply () want 5 business class seats on one long flight. Where would you look?(25:34) - ​​Should I apply for Robinhood Gold? I got an invite via Credit Karma(27:23) - For the new challenge announcement on today's Coffee Break, where do we submit listener ideas?Check out our Wild Card announcement here (https://frequentmiler.com/the-2026-team-challenge-wild-card-coffee-break-ep117-8-4-26/) and comment your own ideas for obstacles and power-ups here (https://frequentmiler.com/2026-wild-card-challenge-help-us-design-our-obstacles-and-power-up-decks)(29:41) - Who spent too much time at Costco today?(32:16) - ​​I don't see you guys talking much about sweet spots to South America (more specifically Brazil). I am struggling to find good routes with reasonable amount of points…Read more here: https://frequentmiler.com/best-ways-to-get-to-south-america-using-points-and-miles/(36:28) - How would you rank the premium economy cabins you have used? Who has the best upgrade from regular economy, and why? Which have the closest to business class experience?(41:15) - ​​Is Nick's background real? Just saw cars passing by(42:26) - ​​Do y'all ever get credit card fatigue? I've been churning on and off for a couple of years. Wanting to just sit tight for a bit.(48:18) - Thinking of this having to fly with a stroller wild card, what was the weirdest or most cumbersome thing you had to fly with?Visit https://frequentmiler.com/subscribe/ to get updated on in-depth points and miles content like this, and don't forget to like and follow us on social media.Music Credit – “swappin' back n' forth” by up @ nightCheck out all of our other travel podcasts from around the worldThis podcast is part of the Voyascape Network, a collection of some of the world's best travel podcasts. Explore more at Voyascape.com. For advertising or sponsorship opportunities on this show and across the network, email advertising@voyascape.com or you can find more information at Voyascape.com/advertsing.

Guest:Jessica Dupuy has one of the toughest jobs in Texas—someone has to eat the barbecue, sip the bourbon, judge the wine, and travel the world looking for unforgettable experiences. As one of Texas' most respected food, wine, spirits, and travel writers, she's authored cookbooks including The Salt Lick Cookbook, Uchi: The Cookbook, and Jack Allen's Kitchen, while telling the stories behind the chefs, winemakers, distillers, and destinations that define Texas. If it's worth eating, drinking, or visiting, chances are Jessica's already been there—and she's here to tell us where we should go next.Monologue:Michelin Star Restaurants in TXUIL Heat Rules Start August 1stOld Person Smells (Not Steve)Can You Spreadsheet Your Way To Love? Saying what needs to be said and broadcasting straight outta Dripping Springs, Steve Mallett and Michelle Lewis serve up unfiltered, unforgettable conversations with the most interesting folks you've never heard of-yet. From wild small-town stories and Hill Country gossip to sharp takes on real life, they mix humor, heart, and a healthy dose of Texas grit. It's like pulling up a chair at your favorite local bar, where the banter is real, the guests are bold, and nobody's afraid to speak their mind. You'll laugh, you'll think, and you just might see your own story in theirs. New episodes every week...because ordinary people make the best damn stories. They're not building an echo chamber. They're building a table. Big difference.Send us Fan MailSupport the showThe Best Realtor in Dripping Springs? The #1 choice is the Mallett Integrity Team, led by Steve Mallett. Local experts and results-driven service-Cedric Mills, Carlisle Kennedy, Maury Boyd, and Michelle Lewis.SouthStar Bank a tradition of full-service community banking for over 100 years. Your neighborhood Bank. Stop by a branch today! The Deep Eddy Vodka Tasting Room in the TX Hill Country just outside Austin, TX, welcomes over 75K visitors annually and sits within the former bottling plant. Family Friendly Fun in the Hill Country. Black Slate Construction /Black Slate Roofing-Locally owned and operated in Austin, TX! Over a decade of experience-their skilled team delivers high-quality construction/roofing and exceptional service.Follow us, leave a review and TELL A FRIEND!Mallett and Michelle Podcast Website

In this episode, our co-hosts Robby and Tim talk with Paperclip Co-Founder Dotta (Nate) whose viral agent orchestration platform has taken off over the past several months as more teams adopt agents at work. Their open source, also called paperclip, has >75K stars on GitHub and is becoming the de facto way to manage a team of agents. This episode explores what it really means to build an “agent-led company.” Rather than thinking of AI agents as isolated tools, Paperclip treats them like employees working toward shared goals, with the platform acting as the company that coordinates them. We discuss why existing AI workflows (whether it's dozens of Claude Code tabs or standalone coding agents) break down at scale, and how Paperclip provides a unified interface for managing projects, agents, tasks, context, and budgets across any model or AI harness. From marketing and documentation to customer support triage and software development, the conversation dives into how teams can assign the right agents to the right work while keeping humans in control through evaluation, reflection, and orchestration.We also unpack the challenges and opportunities of building an open source agent platform in one of AI's fastest-moving markets. The discussion covers Paperclip's explosive early growth, the realities of maintaining a ton of community pull requests, security risks in agentic systems, and why the future isn't about replacing people with AI - it's about enabling individuals and organizations to scale their impact through coordinated agents. Looking ahead, we explore Paperclip Cloud, enterprise workflows, governance, and why the next frontier for AI isn't just better models, but better memory, context, and systems for managing an entire workforce of agents.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Money Making Conversations Master Class with Rushion McDonald is America's premier entrepreneurship, business leadership, financial literacy, and wealth-building podcast featuring successful entrepreneurs, executives, founders, celebrities, and industry experts sharing actionable insights for professional and financial success. Business Podcast Entrepreneurship Small Business Business Growth Financial Literacy Wealth Building Black Entrepreneurs Minority Business Leadership Executive Leadership Business Funding Marketing Strategies Personal Development Startup Advice Sales Training CEO Interviews Founder Stories Professional Development Economic Empowerment Business Success Networking Brand Building Innovation How to start a business Small business funding Entrepreneur success stories Business leadership podcast Wealth building strategies Black entrepreneur podcast Minority business development Marketing for small businesses Business growth strategies Startup funding opportunities Executive leadership training Financial literacy education Success mindset podcast Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Everett Swain.

In this episode, Micah Salas breaks down a wild story of a brand-new producer with zero insurance experience who landed two BORs last week, totaling $75K in revenue (Yes, we can confirm it's true).That kicks off a bigger debate: does cold calling actually scale, or is networking the real long-term play? Micah and Trey steelman both sides.Then Micah goes deep on his actual cold calling framework, the mindset trick he still uses to kill call reluctance, his exact opener script, how to handle silence and pushback on the phone, and why collapsing the time between your first meeting and your AOR/BOR pitch can make or break the deal.........

Guest: Rita Ballou is one of the most recognizable voices in Texas Country radio. As the longtime afternoon host on Austin's KOKE-FM, she's built a loyal following with her sharp wit, unapologetic opinions, and deep knowledge of the Texas and Red Dirt music scene. Before radio, Rita founded the influential Rawhide & Velvet website, earning a reputation as one of the most plugged-in voices covering Texas music. Whether she's interviewing artists, breaking industry news, or making listeners laugh, Rita brings authenticity, humor, and a genuine love for Texas music to every broadcast. Monologue:Backpacking HeavenLibrary MisuseAustin Financial FailureSLOWDOWN Or TicketPaws ConsolidatesSaying what needs to be said and broadcasting straight outta Dripping Springs, Steve Mallett and Michelle Lewis serve up unfiltered, unforgettable conversations with the most interesting folks you've never heard of-yet. From wild small-town stories and Hill Country gossip to sharp takes on real life, they mix humor, heart, and a healthy dose of Texas grit. It's like pulling up a chair at your favorite local bar, where the banter is real, the guests are bold, and nobody's afraid to speak their mind. You'll laugh, you'll think, and you just might see your own story in theirs. New episodes every week...because ordinary people make the best damn stories. They're not building an echo chamber. They're building a table. Big difference.Send us Fan MailSupport the showThe Best Realtor in Dripping Springs? The #1 choice is the Mallett Integrity Team, led by Steve Mallett. Local experts and results-driven service-Cedric Mills, Carlisle Kennedy, Maury Boyd, and Michelle Lewis.SouthStar Bank a tradition of full-service community banking for over 100 years. Your neighborhood Bank. Stop by a branch today! The Deep Eddy Vodka Tasting Room in the TX Hill Country just outside Austin, TX, welcomes over 75K visitors annually and sits within the former bottling plant. Family Friendly Fun in the Hill Country. Black Slate Construction /Black Slate Roofing-Locally owned and operated in Austin, TX! Over a decade of experience-their skilled team delivers high-quality construction/roofing and exceptional service.Follow us, leave a review and TELL A FRIEND!Mallett and Michelle Podcast WebsiteLimestone Moving-Moving, Packing, Junk Removal. Locally Owned. Click link for a free estimate: Top Notch Moving-Junk Removal

Guest:For years, Jennifer West was the person everyone thought they knew. She built a successful career, formed lasting friendships, and smiled through a battle with alcoholism that very few people ever saw. Today, as the Community Outreach representative for Positive Recovery Center, Jennifer has transformed her greatest struggle into her greatest purpose, helping others find hope, healing, and the courage to begin again. Her story is one of resilience, faith, loss, redemption, and the powerful reminder that no one is ever too far gone to rewrite their future. Reach out to her at Jennifer.west@positiverecovery.comMonologue:Alcohol use US CitizensBye Bye Oakwood MarketThe French Hate AC!American SmilesMexican Batman-Cheers To The Vigilantes! Saying what needs to be said and broadcasting straight outta Dripping Springs, Steve Mallett and Michelle Lewis serve up unfiltered, unforgettable conversations with the most interesting folks you've never heard of-yet. From wild small-town stories and Hill Country gossip to sharp takes on real life, they mix humor, heart, and a healthy dose of Texas grit. It's like pulling up a chair at your favorite local bar, where the banter is real, the guests are bold, and nobody's afraid to speak their mind. You'll laugh, you'll think, and you just might see your own story in theirs. New episodes every week...because ordinary people make the best damn stories. They're not building an echo chamber. They're building a table. Big difference.Send us Fan MailSupport the showThe Best Realtor in Dripping Springs? The #1 choice is the Mallett Integrity Team, led by Steve Mallett. Local experts and results-driven service-Cedric Mills, Carlisle Kennedy, Maury Boyd, and Michelle Lewis.SouthStar Bank a tradition of full-service community banking for over 100 years. Your neighborhood Bank. Stop by a branch today! The Deep Eddy Vodka Tasting Room in the TX Hill Country just outside Austin, TX, welcomes over 75K visitors annually and sits within the former bottling plant. Family Friendly Fun in the Hill Country. Black Slate Construction /Black Slate Roofing-Locally owned and operated in Austin, TX! Over a decade of experience-their skilled team delivers high-quality construction/roofing and exceptional service.Follow us, leave a review and TELL A FRIEND!Mallett and Michelle Podcast WebsiteLimestone Moving-Moving, Packing, Junk Removal. Locally Owned. Click link for a free estimate: Top Notch Moving-Junk Removal

Guest:Being mayor of Dripping Springs isn't for the faint of heart. Bill Foulds has a front-row seat to the growing pains, big decisions, and occasional controversy that come with leading one of the hottest communities in Texas. Whether it's development, traffic, infrastructure, or protecting the town's identity, Bill is helping write the next chapter of Dripping Springs. Join us as we go beyond the council dais for a candid conversation about leadership, growth, Target, roads and the future of the town we all call home. Monologue:Assaults and Hot DogsPringles BunsParamount TheatreA Song For Every StateCyclosporiasis-You Don't Want It! Saying what needs to be said and broadcasting straight outta Dripping Springs, Steve Mallett and Michelle Lewis serve up unfiltered, unforgettable conversations with the most interesting folks you've never heard of-yet. From wild small-town stories and Hill Country gossip to sharp takes on real life, they mix humor, heart, and a healthy dose of Texas grit. It's like pulling up a chair at your favorite local bar, where the banter is real, the guests are bold, and nobody's afraid to speak their mind. You'll laugh, you'll think, and you just might see your own story in theirs. New episodes every week...because ordinary people make the best damn stories. They're not building an echo chamber. They're building a table. Big difference.Send us Fan MailSupport the showThe Best Realtor in Dripping Springs? The #1 choice is the Mallett Integrity Team, led by Steve Mallett. Local experts and results-driven service-Cedric Mills, Carlisle Kennedy, Maury Boyd, and Michelle Lewis.SouthStar Bank a tradition of full-service community banking for over 100 years. Your neighborhood Bank. Stop by a branch today! The Deep Eddy Vodka Tasting Room in the TX Hill Country just outside Austin, TX, welcomes over 75K visitors annually and sits within the former bottling plant. Family Friendly Fun in the Hill Country. Black Slate Construction /Black Slate Roofing-Locally owned and operated in Austin, TX! Over a decade of experience-their skilled team delivers high-quality construction/roofing and exceptional service.Follow us, leave a review and TELL A FRIEND!Mallett and Michelle Podcast WebsiteLimestone Moving-Moving, Packing, Junk Removal. Locally Owned. Click link for a free estimate: Top Notch Moving-Junk Removal

Broward County has 31 cities, 67+ lines of business, and 14 IT managers that CIO Domenic DiLullo has to keep in sync - while a property tax measure heading to the ballot could reshape his entire budget.Glenn Mack just took over as CTO of the North Carolina courts: 100 counties, 105 courthouses, from Murphy to Manteo. He walked in from 17 years in public safety and found the AI policy was… non-existent.And Jon Minshew spent 30 years in North Carolina state government - CIO for the governor's office, and later the state's first Chief Customer Officer - before crossing over to Dell Technologies, where he now advises the same CIOs he used to sit alongside.We put all three on one recording, and the conversation went somewhere most AI conversations never go: the invoice.At one point I said I was hoping market forces would bring AI prices down over time. Dom cut me off mid-sentence: "I disagree. I wholeheartedly disagree." When a county CIO pushes back that hard on air, you listen to why.GuestsDomenic DiLullo CIO, Broward County, FloridaGlenn Mack CTO, North Carolina Administrative Office of the CourtsJon Minshew Chief Strategist, Dell TechnologiesTimestamps(03:38) NC Courts overview: 100 counties, 105 courthouses, Odyssey eCourts(05:05) Broward overview: 31 cities, 67–70 lines of business, AI investment(08:43) Courts' AI readiness: "the policy was there was none"(11:50) Legislative pressure, "just do AI"(12:39) Broward's data foundation + two-year CAP policy, 30 use cases(15:00) Token uncertainty vs budgets: "nobody wants that surprise bill(18:54) The cab with no meter(23:41) $40K server now $75K; no relief until 2030(28:24) Jon's advising playbook: outcome-first workshops, quick wins(30:31) Buy-in: directors, CFOs, chief justices - and lobbying for funding(31:19) The skill-set gap; vendors working themselves out of a job(36:36) "You can buy the car - but can you afford the car?"

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Money Making Conversations Master Class with Rushion McDonald is America's premier entrepreneurship, business leadership, financial literacy, and wealth-building podcast featuring successful entrepreneurs, executives, founders, celebrities, and industry experts sharing actionable insights for professional and financial success. Business Podcast Entrepreneurship Small Business Business Growth Financial Literacy Wealth Building Black Entrepreneurs Minority Business Leadership Executive Leadership Business Funding Marketing Strategies Personal Development Startup Advice Sales Training CEO Interviews Founder Stories Professional Development Economic Empowerment Business Success Networking Brand Building Innovation How to start a business Small business funding Entrepreneur success stories Business leadership podcast Wealth building strategies Black entrepreneur podcast Minority business development Marketing for small businesses Business growth strategies Startup funding opportunities Executive leadership training Financial literacy education Success mindset podcast Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Everett Swain.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Money Making Conversations Master Class with Rushion McDonald is America's premier entrepreneurship, business leadership, financial literacy, and wealth-building podcast featuring successful entrepreneurs, executives, founders, celebrities, and industry experts sharing actionable insights for professional and financial success. Business Podcast Entrepreneurship Small Business Business Growth Financial Literacy Wealth Building Black Entrepreneurs Minority Business Leadership Executive Leadership Business Funding Marketing Strategies Personal Development Startup Advice Sales Training CEO Interviews Founder Stories Professional Development Economic Empowerment Business Success Networking Brand Building Innovation How to start a business Small business funding Entrepreneur success stories Business leadership podcast Wealth building strategies Black entrepreneur podcast Minority business development Marketing for small businesses Business growth strategies Startup funding opportunities Executive leadership training Financial literacy education Success mindset podcast Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Everett Swain.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Money Making Conversations Master Class with Rushion McDonald is America's premier entrepreneurship, business leadership, financial literacy, and wealth-building podcast featuring successful entrepreneurs, executives, founders, celebrities, and industry experts sharing actionable insights for professional and financial success. Business Podcast Entrepreneurship Small Business Business Growth Financial Literacy Wealth Building Black Entrepreneurs Minority Business Leadership Executive Leadership Business Funding Marketing Strategies Personal Development Startup Advice Sales Training CEO Interviews Founder Stories Professional Development Economic Empowerment Business Success Networking Brand Building Innovation How to start a business Small business funding Entrepreneur success stories Business leadership podcast Wealth building strategies Black entrepreneur podcast Minority business development Marketing for small businesses Business growth strategies Startup funding opportunities Executive leadership training Financial literacy education Success mindset podcast Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Everett Swain.

Before Solidcore had a single studio open, Anne Mahlum turned down $75,000 from an investor who wanted 30% of the company. She knew that money would become a crutch, so she walked away and risked everything on her own terms.Anne is a fascinating person. She started her first business with nothing but a running route past a homeless shelter in Philadelphia. Then she built another studio. This is a replay of one of my favorite conversations on the show, and it is one I keep coming back to.Watch the full episode here: https://www.youtube.com/watch?v=K1hSIhe6UmE"Money for me has always been a trophy. It means I did a really good job." ~ Anne MahlumIn This Episode:- How strict standards built culture at Back on My Feet- Why giving things away for free makes people value them less- How the same culture principles shaped Solidcore- How she negotiated 100 Solidcore locations without security deposits- Turning down $75K to go all in- Why founders need skin in the gameAbout Anne Mahlum:Anne Mahlum is an entrepreneur, motivational speaker, investor, and philanthropist who has built two organizations from scratch. In 2007, she founded Back on My Feet, a nonprofit that uses running to help people experiencing homelessness rebuild their lives, growing it to 14 cities with an $8M annual budget. In 2013, she founded Solidcore, scaling it to over 100 locations before selling it 10 years later and sharing millions from the sale with her employees.Website: https://annemahlum.comInstagram: https://www.instagram.com/annemahlumLinkedIn: https://www.linkedin.com/in/anne-mahlum/Where to find me:IG: https://www.instagram.com/jen_gottlieb/TikTok: https://www.tiktok.com/@jen_gottliebFacebook: https://www.facebook.com/JenleahgottliebWebsite: https://jengottlieb.com/My business: https://www.superconnectormedia.com/YouTube: https://www.youtube.com/@jen_gottlieb

High-paying INFP careers that nobody puts on the list, and why your personality type is actually the job in each one.Most career advice for INFPs hands you the same options. Writer. Therapist. Artist. Those aren't wrong, but they come with a financial ceiling most people don't talk about.In this video I cover five careers that pay well, sit outside the arts and therapy lane, and actually reward the two things INFPs do naturally: reading what people aren't saying, and finding a unique angle.Each one breaks down where your wiring is the valuable part of the job, not something you're managing around.Want to go deeper on your cognitive functions and how to use them? Join the INFP Masterclass at infp.geekpsychology.com, or come find us in EVOLVE at evolve.geekpsychology.comCHAPTERS00:00 The career list nobody gives INFPs00:45 Why your career has to fit how you're wired01:20 The Soul: the part of you that knows when something's off02:15 The Explorer: the idea engine that never shuts up03:00 Why we keep ending up in arts and therapy03:35 Five careers that actually pay you to be this way03:50 Career 1: UX researcher05:10 The superpower INFPs don't know they have in this job05:50 How the Explorer makes you better than most researchers06:15 $80K to $130K, often remote06:35 Career 2: brand storyteller07:15 Why story is the most underrated business skill08:10 The edge INFPs have that competent people don't09:00 Where the Soul and Explorer do the actual job09:20 $70K to $120K, and the EVOLVE community09:55 Career 3: instructional designer10:45 Caring whether it lands is rarer than you think11:15 $75K to $110K, EdTech, SaaS, corporate training11:40 Career 4: creative strategist12:05 The real reason INFPs struggle with money12:40 You're not making the ads. You're figuring out why they work.13:20 Up to $150K, and there's room to experiment13:55 Career 5: AI content trainer14:35 Why nuance can't be systematized15:00 The Soul is built for exactly this15:20 Anthropic, OpenAI, remote, self-paced15:45 What all five have in common16:30 The old list isn't wrong. It's just incomplete.16:55 Where to go next

Guest:Becca Kyle doesn't believe in slapping a Band-Aid on symptoms and calling it healthcare. As the founder of Holistic Obsession, Functional Diagnostic Nutrition Practitioner, and Board-Certified Holistic Health Practitioner, she's on a mission to help women get answers after years of being dismissed, misdiagnosed, or told their symptoms are "just part of getting older." Wife, mom, author, speaker, and equal parts science nerd and straight shooter, Becca is changing the conversation around hormones, burnout, and what it really means to feel healthy.Monologue:250 Years of American Greatness!FIFO Over Independence Day? Yankee Doodle DandySocial Media DaySaying what needs to be said and broadcasting straight outta Dripping Springs, Steve Mallett and Michelle Lewis serve up unfiltered, unforgettable conversations with the most interesting folks you've never heard of-yet. From wild small-town stories and Hill Country gossip to sharp takes on real life, they mix humor, heart, and a healthy dose of Texas grit. It's like pulling up a chair at your favorite local bar, where the banter is real, the guests are bold, and nobody's afraid to speak their mind. You'll laugh, you'll think, and you just might see your own story in theirs. New episodes every week...because ordinary people make the best damn stories. They're not building an echo chamber. They're building a table. Big difference.Send us Fan MailSupport the showThe Best Realtor in Dripping Springs? The #1 choice is the Mallett Integrity Team, led by Steve Mallett. Local experts and results-driven service-Cedric Mills, Carlisle Kennedy, Maury Boyd, and Michelle Lewis.SouthStar Bank a tradition of full-service community banking for over 100 years. Your neighborhood Bank. Stop by a branch today! The Deep Eddy Vodka Tasting Room in the TX Hill Country just outside Austin, TX, welcomes over 75K visitors annually and sits within the former bottling plant. Family Friendly Fun in the Hill Country. Black Slate Construction /Black Slate Roofing-Locally owned and operated in Austin, TX! Over a decade of experience-their skilled team delivers high-quality construction/roofing and exceptional service.Follow us, leave a review and TELL A FRIEND!Mallett and Michelle Podcast WebsiteLimestone Moving-Moving, Packing, Junk Removal. Locally Owned. Click link for a free estimate: Top Notch Moving-Junk Removal

Dan sits down with Philip Louden — former backpacker, digital nomad, and reluctant wholesaler — who found his calling in seller finance after realizing he was just "dropshipping houses." After a 30-year Kansas City mentor showed him the power of creative finance, Philip went on to originate over 70 deals and build the Wrap Academy community around a simple philosophy: prosperous, peaceful, passive portfolios. In this episode, they cover: Why Philip walked away from a wholesaling operation doing 6 deals a month — and what it taught him about building businesses you actually want to live in How he structures 10-year lease options, wraps, and slow flips — and when each one makes sense The slow flip model: buying $20–30K properties in small markets and seller financing them to buyers who can't even rent for that price Finding buyers through unconventional channels (including a $75K down payment from Craigslist) Dan's note buying box — from 10-11% IRA-quality performers to 30-40% non-performing workouts — and how hypothecation creates spread Why the seller finance note market has a supply-demand equation you won't find anywhere else in real estate Connect with Philip: Wrap Academy: https://wrapacademy.net/ Instagram: https://www.instagram.com/phil_louden/?hl=en LinkedIn: https://www.linkedin.com/in/philip-louden   Call The Underwriter Call The Underwriting prescreening guide: https://calltheunderwriter.com/prescreen/ Call The Underwriter Register for the weekly Call The Underwriter onboarding call, every Thursday at 12 ET

Guests:Amanda and Hector Bustillos are the owners of Wild Birds Unlimited of Dripping Springs, where they've turned a passion for nature into one of the Hill Country's favorite local businesses. Born and raised in Dripping Springs, Amanda grew up feeding birds with her family, while Hector, a former teacher, brings his love of education to helping customers create thriving backyard habitats. Together, they've built a business that's as much about conservation and community as it is bird feeders and seed. Their family-owned store has earned a reputation for exceptional customer service, expert advice, and a commitment to protecting songbirds and connecting people with nature. Whether they're helping first-time birdwatchers identify a backyard visitor or educating the community about bird conservation, Amanda and Hector have become trusted ambassadors for the natural beauty of the Texas Hill Country. Saying what needs to be said and broadcasting straight outta Dripping Springs, Steve Mallett and Michelle Lewis serve up unfiltered, unforgettable conversations with the most interesting folks you've never heard of-yet. From wild small-town stories and Hill Country gossip to sharp takes on real life, they mix humor, heart, and a healthy dose of Texas grit. It's like pulling up a chair at your favorite local bar, where the banter is real, the guests are bold, and nobody's afraid to speak their mind. You'll laugh, you'll think, and you just might see your own story in theirs. New episodes every week...because ordinary people make the best damn stories. They're not building an echo chamber. They're building a table. Big difference.Send us Fan MailSupport the showThe Best Realtor in Dripping Springs? The #1 choice is the Mallett Integrity Team, led by Steve Mallett. Local experts and results-driven service-Cedric Mills, Carlisle Kennedy, Maury Boyd, and Michelle Lewis.SouthStar Bank a tradition of full-service community banking for over 100 years. Your neighborhood Bank. Stop by a branch today! The Deep Eddy Vodka Tasting Room in the TX Hill Country just outside Austin, TX, welcomes over 75K visitors annually and sits within the former bottling plant. Family Friendly Fun in the Hill Country. Black Slate Construction /Black Slate Roofing-Locally owned and operated in Austin, TX! Over a decade of experience-their skilled team delivers high-quality construction/roofing and exceptional service.Follow us, leave a review and TELL A FRIEND!Mallett and Michelle Podcast WebsiteLimestone Moving-Moving, Packing, Junk Removal. Locally Owned. Click link for a free estimate: Top Notch Moving-Junk Removal

In this episode the guys break down the six best lifts for athletic fitness — the movements that translate directly to real world performance, sport and everyday life. They cover lunges and sled work, the standing overhead press, trap bar deadlift, one arm rows with rotation and pull ups, hanging leg raises done correctly, and band and cable chops for rotational power. They also reminisce about their worst business failures — Sal's second studio location that cost him 75K to break the lease, Adam's mobile car detailing hustle, Justin's app build, and Doug's story of losing his entire Japan savings to a fraudulent investment group that got raided by the IRS mid-call. Then they answer questions from Instagram on Bulgarian split squat imbalances, swapping exercises in MAPS 15 Powerlift, which program fixes imbalances and unlocks squat depth, and how to pair sprint intervals with strength training. No BS 6-Pack Formula: https://nobs6pack.comCode: 6PACK for 50% off. Full ab building system with two phase blueprints and video demos by Sal. $28.50 after discount. SPONSORS Rho Nutrition (liposomal creatine, NAD+ and Glutathione): https://www.rhonutrition.com/discount/MINDPUMP Code: MINDPUMP for 20% off everything. Liposomal creatine discussed on air as the fix for people who experience bloating from regular creatine. Paleo Valley (grass-fed fermented meat sticks): https://paleovalley.com/mindpump 15% off automatically applied at checkout, no code needed. Our Place (non-toxic cookware): https://fromourplace.comCode: MINDPUMP for 10% off sitewide. Always Pan replaces eight pieces of cookware, forever chemical free, 100 day trial with free returns. LINKS Mind Pump Store: https://mindpumpstore.comMaps Fitness Products: https://mapsfitnessproducts.com Instagram: @mindpumpmedia 0:00 - Intro 2:28 - 6 best lifts for athletic fitness 3:25 - Lunges and sled work — triple extension, split stance and why sled is the most accessible power exercise 8:09 - Standing overhead press — the squat of the upper body and how it reveals your whole body strength 10:22 - Trap bar deadlift — why athletic coaches prefer it over conventional for most sports 14:38 - One arm rows with rotation and pull ups — pulling strength and the rotational component most programs miss 16:31 - Hanging leg raises — how to do them correctly and why they matter for every athletic movement 18:25 - Band and cable chops — rotational and anti-rotational power for sport 21:15 - Worst business failures — studios, apps, car detailing and Doug's IRS raid story 50:13 - Rho liposomal creatine solving the bloating problem for women 51:43 - Justin's Yellowstone trip and the bear world grizzly feeding park 59:25 - Paleo Valley fermentation process and the Truckee cabin bear break-in story 1:01:22 - Q&A: Bulgarian split squat imbalances — how to even out a weaker leg 1:04:41 - Q&A: Swapping exercises in MAPS 15 Powerlift with weaker lift variations 1:05:47 - Q&A: Best MAPS program for fixing imbalances and unlocking squat depth 1:07:40 - Q&A: How to pair sprint intervals with strength training correctly

Guests:Quiesean Wilson is the powerhouse lead vocalist of Above the Law, known for his incredible versatility, stage presence, and ability to connect with audiences. Whether he's singing rock, country, or R&B, Quiesean brings an energy that has helped make Above the Law a staple of the Dripping Springs music scene. Michael Lawsage is the founder of Above the Law and has been the band's rhythm and acoustic guitarist since day one. A passionate supporter of the local music scene, Michael has helped build one of Dripping Springs' most popular live bands while creating a gathering place for music lovers throughout the Hill Country.Monologue:KittenfishingHarbor Bridge is SCARY!Stupid CriminalsSuper NinoSaying what needs to be said and broadcasting straight outta Dripping Springs, Steve Mallett and Michelle Lewis serve up unfiltered, unforgettable conversations with the most interesting folks you've never heard of-yet. From wild small-town stories and Hill Country gossip to sharp takes on real life, they mix humor, heart, and a healthy dose of Texas grit. It's like pulling up a chair at your favorite local bar, where the banter is real, the guests are bold, and nobody's afraid to speak their mind. You'll laugh, you'll think, and you just might see your own story in theirs. New episodes every week...because ordinary people make the best damn stories. They're not building an echo chamber. They're building a table. Big difference.Send us Fan MailSupport the showThe Best Realtor in Dripping Springs? The #1 choice is the Mallett Integrity Team, led by Steve Mallett. Local experts and results-driven service-Cedric Mills, Carlisle Kennedy, Maury Boyd, and Michelle Lewis.SouthStar Bank a tradition of full-service community banking for over 100 years. Your neighborhood Bank. Stop by a branch today! The Deep Eddy Vodka Tasting Room in the TX Hill Country just outside Austin, TX, welcomes over 75K visitors annually and sits within the former bottling plant. Family Friendly Fun in the Hill Country. Black Slate Construction /Black Slate Roofing-Locally owned and operated in Austin, TX! Over a decade of experience-their skilled team delivers high-quality construction/roofing and exceptional service.Follow us, leave a review and TELL A FRIEND!AppleInstagramWebsite

Your friend's mom talked her into giving up her baby, then adopted the child and won't return her. Can it be legally undone? Welcome to 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/1347On This Week's Feedback Friday:Can Gabe fend off being chilly in Chile with a warm bowl of (vegan) chili? He may tell us, or he may not. Perhaps his story is altogether more death-defying and sure to have you on the edge of your seat, but you'll only know if you don't skip ahead to about 26 minutes and 35 seconds!Your young friend clawed her way back from heartbreak and depression after her baby's father vanished — only to learn her own mother quietly adopted the child and now refuses to give her back. Intercepted mail, surrendered custody, and her church branded a cult. Is there any path home to her daughter?Your daughter handed her husband the family finances for 21 years and trusted every word — until one credit report detonated the whole story. The $85k in savings? Gone. Secret high-interest loans, hidden cards, lies about his bonuses, $75K in debt, and she's staying. So where did the money go?Recommendation of the Week: Freezing your credit — a free, fast, legally guaranteed way to lock down your credit report (and your kids') against identity theft and synthetic ID fraud.Jordan and his 80-year-old dad have a heart-to-heart about the benefits of therapy even in later life on this special Father's Day BetterHelp-sponsored segment.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: BetterHelp: 10% off first month: betterhelp.com/jordanSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Ramit Sethi of I Will Teach You To Be Rich talks to Melissa and Taryn, a married couple in their 40s living in Los Angeles with five children. They have a net worth of over $700K, nearly half a million invested, and a successful business, but their finances are on the edge. After Taryn took a $75K pay cut and was later laid off from Netflix, they continued building a $200K pool, took on a $100K family loan, and now face fixed costs of 179%. Ramit helps them confront the brutal math behind their situation, the emotional reasons they keep avoiding it, and the radical changes they may need to make before they run out of money. In this episode we uncover: • Why Melissa and Taryn built a $200K pool after a major pay cut • How Taryn's Netflix layoff changed everything • Why their fixed costs hit a shocking 179% • The real cost of their $100K family loan • Why “everything goes on a credit card” became normal • How they ended up with $1.2M in debt • Why selling the house may not solve the problem • The hidden danger of renting another expensive home • Why Melissa's successful business still may not be enough • How grief and loss shaped their relationship with travel and money • Why Taryn feels like she just “makes the money” • The emotional power dynamic behind their spending decisions • Why small cuts like subscriptions won't fix a structural problem • Ramit's warning that they may be setting themselves up to struggle again • The uncomfortable reality of moving out of Los Angeles • Why their marriage needs a mission, not just a budget • How their kids are already affected by their money choices • Ramit's advice for making radical change before the clock runs out ⏩ CHAPTERS (00:00:00) “I just want the debt gone” (00:01:23) Meet Melissa and Taryn (00:02:40) Taryn's Netflix layoff (00:04:18) Buying the house after a $75K pay cut (00:05:39) The real cost of the pool (00:07:48) Taking a $100K family loan (00:10:50) Why the debt cycle keeps repeating (00:15:25) Taryn's role as the “money maker” (00:18:03) Their income no longer matches their life (00:20:03) Ramit reveals their 179% fixed costs (00:21:20) Why selling the house isn't enough (00:22:51) The rent math gets even worse (00:26:46) The clock is ticking (00:31:25) Could they move to South Carolina? (00:41:24) The power dynamic in their marriage (00:57:16) Defining their Rich Life (01:02:18) What happens after selling the house? (01:15:28) Ramit confronts the decision they're avoiding (01:28:48) Talking to their kids about money (01:36:58) Final thoughts and next steps This episode is brought to you by: Trust & Will | Protect what matters most in minutes at https://trustandwill.com/ramit and get 20% off ZocDoc | Go to https://zocdoc.com/ramit to find and instantly book a top-rated doctor today #sponsored Wispr Flow | Try Wispr Flow for free at wisprflow.ai/ramit Leesa | Go to https://leesa.com for 25% off mattresses PLUS get an extra $50 off with promo code RAMIT, exclusive for my listeners Connect with Ramit • Get my new book, Money For Couples • Get Money Coaching with Ramit  • Download the Conscious Spending Plan • Listen to my book—now on Audible • Get my New York Times best-selling book • Get my no-numbers journal • Other episodes • Instagram • Twitter • YouTube Apply to be coached for free on this podcast at https://iwt.com/apply

Guest:Gary Hargraves is a technology consultant, business leader, and author of the book AI Shock: How Artificial Intelligence Touches Everything.With more than 25 years of experience in technology and infrastructure, Gary brings a practical perspective to the rapidly evolving world of artificial intelligence. His book explores how AI is transforming business, society, energy, communications, and everyday life—and why its impact reaches far beyond computers and software. Today, we'll talk with Gary about the opportunities, challenges, and future of the AI revolution.Monologue:AI Pawns And Crappy MusicRoad Improvements DSVenmo Upgrade? Dementia Risks from CheetosSaying what needs to be said and broadcasting straight outta Dripping Springs, Steve Mallett and Michelle Lewis serve up unfiltered, unforgettable conversations with the most interesting folks you've never heard of-yet. From wild small-town stories and Hill Country gossip to sharp takes on real life, they mix humor, heart, and a healthy dose of Texas grit. It's like pulling up a chair at your favorite local bar, where the banter is real, the guests are bold, and nobody's afraid to speak their mind. You'll laugh, you'll think, and you just might see your own story in theirs. New episodes every week...because ordinary people make the best damn stories. They're not building an echo chamber. They're building a table. Big difference.Send us Fan MailSupport the showThe Best Realtor in Dripping Springs? The #1 choice is the Mallett Integrity Team, led by Steve Mallett. Local experts and results-driven service-Cedric Mills, Carlisle Kennedy, Maury Boyd, and Michelle Lewis.SouthStar Bank a tradition of full-service community banking for over 100 years. Your neighborhood Bank. Stop by a branch today! The Deep Eddy Vodka Tasting Room in the TX Hill Country just outside Austin, TX, welcomes over 75K visitors annually and sits within the former bottling plant. Family Friendly Fun in the Hill Country. Black Slate Construction /Black Slate Roofing-Locally owned and operated in Austin, TX! Over a decade of experience-their skilled team delivers high-quality construction/roofing and exceptional service.Follow us, leave a review and TELL A FRIEND!AppleInstagramWebsite

He got into TWO Ivy League schools — and qualified for $0 financial aid. Then his income dropped from $290K to $75K. Here's how the appeal really works. Andy and Pearl Lockwood break down a real financial aid appeal happening right now: a self-employed dad whose 2024 tax return said "too rich for aid," whose actual income collapsed to $75K — and why both Ivy League financial aid offices refused to budge until they saw proof. If you're self-employed and assume you'll never qualify for college financial aid, this episode is for you. Plus: the college essay topic 1 in 5 students picks (and why you should rethink it), and the Federal Reserve study claiming remote work — not AI — is what's hurting new college grads. ⏱ CHAPTERS0:00 – Why we care about the 40 years AFTER college, not just the 42:12 – How to write a winning essay (even if your biggest hardship was slow Wi-Fi in the Hamptons)3:54 – The essay topic 18.7% of students pick — and why to rethink it5:22 – What an admissions officer reading 2,500 applications actually wants7:21 – The self-employed dad who "made too much" for financial aid9:28 – Why colleges judge your aid on a 2-year-old tax return12:52 – $290K → $75K: the income drop two Ivies wouldn't believe — until we proved it15:10 – Send your appeal to the RIGHT person (most families pick the wrong office)16:43 – Every school must hear your appeal — the rule most parents don't know17:37 – Fed study: remote work, not AI, is hurting new college grads20:35 – AI majors: 5 colleges in 2001 → 74 today — what to check first22:22 – Why one tech company is hiring MORE people because of AI26:09 – Wrap-up + how to never miss a webinar For more information visit: LockwoodCollegePrep.com #FinancialAid #CollegeFinancialAid #CollegePlanning #FAFSA #CollegeAdmissions

*Timestamps are approximate* TIME TOPIC 0:00 Podcast intro with Dave & Chuck "The Freak"0:01 - - - AD MARKER - - -0:01 EMAIL: Saw ad for new underpants that claim to tighten your ass0:12 A lady in her 70s, Aunt Jackie, makes content with her 20-something neighbor0:16 Things that simply aren't working anymore but society ignores it0:30 NEWS0:30 Severe weather collapsed a church event tent, killed one, injured others0:32 Man was trapped under a collapsed roof after a tornado0:36 Theme park ride stranded passengers high in the air when it broke down0:39 Terrifying SWAT prank pulled on a woman0:42 Cruise ship had to return to port after nearby earthquake0:46 Officer accused of breaking into stores to steal Pokémon cards0:50 Lady was held hostage and forced into a satanic ritual at the Olive Garden0:54 Tourist attraction had to be shutdown after multiple people pooped inside1:00 - - - AD MARKER - - -1:00 CELEBRITY DIRT1:00 NBA and NHL champions have been crowned1:05 World Cup update1:10 Record setting catch during a fishing tournament1:18 Oliver Tree died in a helicopter crash1:21 Kiefer Sutherland being sued by rideshare driver after altercation1:26 Seth Rogan has not spoken to Jame Franco in years, has no plans to work with him againm1:28 Rod Stewart being criticized1:30 Weekend box office numbers1:35 - - - AD MARKER - - -1:35 FAST FOOD FREAKOUT1:35 Guy threw a tantrum at a Taco Bell1:45 Owners of an ice cream shop threaten a guy after leaving multiple negative reviews1:54 Bungee jumping accident lead to a woman's death2:01 PERVERT OF THE DAY2:01 Man exposed himself while staring at a woman2:05 Guy was seen naked at in a vehicle at a local park2:07 Guy went into the ladies change room at a pool by mistake, stayed and got changed anyway2:12 Guy broke into a home with some kind of medieval weapon2:14 Guy smashed up neighbors' cars after fight with partner2:17 FLORIDA'S EFFED UP2:17 Guy was pulled over drunk driving, pile of hard seltzers were beside him in passenger seat2:22 - - - AD MARKER - - -2:22 DARK SIDED2:22 Police chased a man after a robbery, suspect ran into the road, hit by car2:30 Woman open the door to her home, found her dog fighting a black bear2:32 Guy left his kids in the car while he was in a rub & tug2:39 Guy is suing former owners of his home for not warning him about crazy neighbors2:43 Guy bought his dream property, discovered 75K tires had been dumped there2:49 Hospital introduces their new robot nurse2:53 - - - AD MARKER - - -2:53 NEWS2:53 Guy's car was damaged on the tracks of a car wash2:57 Minibus driver fell asleep behind the wheel3:01 Driver had a device that hid his license plate3:04 - - - AD MARKER - - -3:04 People on weight loss shots are using it as a replacement for exercise3:07 Fighting online shopping addiction with app that lets you pretend to online shop3:10 Woman accidentally made a boob cake3:13 - - - AD MARKER - - -3:13 THOSE CRAZY CANADIANS3:13 The strange way a guy was charged with impaired driving END OF SHOWSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Jamie Kozub and Chris Carter are the yin and yang behind Shit My Dad Taught Me, a podcast that's exploded to over 2.5 million views every month in barely 18 months. Together they also co-founded Burlington Dads, a community of 7,200 fathers that has raised over $1 million for local families and charities. But what makes these two men worth an hour of your time isn't the numbers. It's the two completely different roads that brought them here. Jamie has never met his biological father and grew up 40 minutes outside Thunder Bay in a house with no working toilet and a potbelly stove for heat. With his dad working construction hundreds of miles away Monday through Saturday, Jamie was cooking dinner and raising his little brother at 12. He moved out at 15, worked the Sony store from two till ten every day through high school, and was making $130K a year by 18. Then at 19, after blowing $60,000 at the casino, he walked back in, handed over his driver's license, and banned himself from every casino in Ontario. Chris had the opposite upbringing: a ten-out-of-ten dad who fed every kid who walked through the door and modeled what it means to raise daughters. Now a girl dad of two, Chris shares his number one piece of advice, just take them with you, and the story of the letter that confronted him at 340 pounds. A year later, he's lost nearly 100 pounds and is preparing for his first bodybuilding show at 42. We also go to some deep waters in this one: their friend Matt's story of losing his father and grandfather to suicide, and my own 33 days of insomnia in 2017 and the counselor's words that changed my perception forever. This is a conversation about fatherhood, brotherhood, and building the communities that keep men alive and thriving. Don't miss it.   Timeline Summary [1:02] Larry welcomes Jamie Kozub and Chris Carter, the yin and yang behind Shit My Dad Taught Me [1:56] Jamie on never meeting his biological father and why he feels no void to fill [2:58] Growing up outside Thunder Bay with no working toilet, a potbelly stove, and a dad gone Monday to Saturday [10:33] Chris's number one girl dad advice: just take them with you, from boardrooms to private jets [17:56] Moving out at 15, couch surfing, and working the Sony store from two till ten every day [19:39] Making $130K at 18 and turning down a University of Miami scholarship [20:28] Walking into the casino at 19 to ban himself from every casino in Ontario for five years [26:35] Chris's dad and the barbecue pizza rule: everyone who walks through the door gets fed [33:02] How Shit My Dad Taught Me reached 2.5 million monthly views through radical authenticity [37:16] The Lexie J letter story that confronted Chris at 340 pounds and sparked his transformation [42:18] Their friend Matt's story of loss and his commitment to breaking a generational cycle [45:18] Larry opens up about 33 days of insomnia and the counselor's words that changed everything [48:14] Pits and peaks: Chris's daily traditions for getting his girls to open up [51:46] A warrior on a farm: why the biggest guy in the room works hardest at being gentle [54:30] Jamie on raising boys who respect women, learn from losing, and greet every guest at the door [56:47] Inside Burlington Dads: 14 events, a $75K golf tournament, and a $77K Christmas toy drive   Five Key Takeaways You don't need a void filled to move forward; Jamie chose to honor the dad who raised him while letting go of the one who didn't, and turned a hard childhood into fuel instead of an excuse. The simplest girl dad advice is also the best: take your kids with you everywhere so they never believe a glass ceiling exists. Make your home the place where every kid is fed, welcomed, and safe, because you'd rather your kids make their choices under your roof than somewhere else. Find the thing that confronts you before your family has to write you the letter; Chris lost nearly 100 pounds because he refused to put his daughters in that position. Whatever pain you're carrying, you don't have to carry it alone; real communities of men exist, and guys like Jamie and Chris will always pick up the phone.   Links & Resources Shit My Dad Taught Me — available on all platforms, including Spotify and YouTube Follow Chris on Instagram — @chriscarterbd Follow Jamie on Instagram — @jamiekozub Burlington Dads on Facebook Episode resources — https://thedadedge.com/1491 Join the Dad Edge Alliance — https://thedadedge.com/join Questions for the Car free download — https://thedadedge.com/kidquestions Closing There's a moment in this episode where a 19-year-old kid making six figures walks into a casino, hands over his driver's license, and bans himself for five years because he knew the life he wanted required a different man. That's what taking responsibility actually looks like, and it's the thread running through this entire conversation, from Chris's 100-pound transformation to two men building a community of 7,200 dads who refuse to do life alone. If this one hit home, send it to the brother in your life who needs to hear that good men come together. Go out and live legendary.

While every brand was raising prices during inflation, Elina Wang cut hers—and nearly tripled revenue. The co-founder of ESW Beauty turned a juice bar epiphany and a $25,000 bank loan into a $20 million business across 10,000 retail doors, fully bootstrapped and profitable from day one. She did it by making the contrarian bet on retail-first when every founder around her was chasing DTC—then survived Covid wiping out every purchase order overnight while going through a co-founder breakup at the same time. In this interview, Elina breaks down the real cost of getting into major retail, why she deliberately chose wholesale over DTC from day one, and the pricing move that took ESW Beauty from $4 million to $11 million in revenue. What you'll learn in this interview: • Why she bet on retail over DTC from day one—with just $5,000 left after her first trade show • How a $25,000 SBA loan, a scrappy juice bar booth, and aggressive hallway pitching landed $250K in purchase orders • The contrarian pricing move: why cutting price from $6 to $4.99 per mask nearly tripled revenue • How Covid wiped out every PO overnight—and how Faire and gifting programs kept the business alive • Why 95% wholesale requires 70%+ gross margins—and the hidden retail fees most founders discover too late • The in-store promotional math: clip strips, end caps, and PDQ displays that cost $25–75K each but drive real velocity • How she navigated building a business with her co-founder after they broke up—and why they kept going anyway • Why it took three years of persistence to crack Target—and what metrics finally convinced the buyer • The leadership shift every founder dreads: how she learned to let go and trust a team after running everything herself • What she'd tell founders about choosing a co-founder before anything else If you're building a CPG or beauty brand, trying to crack retail without burning through cash, or wondering what profitable bootstrapped growth at eight figures actually looks like, this conversation will fundamentally change how you think about distribution, pricing strategy, and what it takes to survive the moments that would end most companies. SAVE 50% ON OMNISEND FOR 3 MONTHS Get 50% off your first 3 months of email and SMS marketing with Omnisend with the code FOUNDR50. Just head to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://your.omnisend.com/foundr⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to get started. WANT TO GROW YOUR BRAND WITH META ADS? Join the Foundr Operators Waitlist → ⁠⁠⁠⁠⁠⁠⁠⁠⁠https://foundr.com/operators⁠⁠⁠⁠⁠⁠⁠⁠⁠ HOW WE CAN HELP YOU SCALE YOUR BUSINESS FASTER Learn directly from 7, 8 & 9-figure founders inside Foundr+ Start your $1 trial → ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.foundr.com/startdollartrial⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ PREFER A CUSTOM ROADMAP AND 1-ON-1 COACHING? → Starting from scratch? Apply here → ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://foundr.com/pages/coaching-start-application⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ → Already have a store? Apply here → ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://foundr.com/pages/coaching-growth-application⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ CONNECT WITH NATHAN CHAN Instagram → ⁠⁠⁠⁠⁠⁠https://www.instagram.com/nathanchan⁠⁠⁠⁠⁠⁠ LinkedIn → ⁠⁠⁠⁠⁠⁠https://www.linkedin.com/in/nathanhchan/⁠⁠⁠⁠⁠⁠ CONNECT WITH ELINA WANG Instagram → ⁠⁠⁠⁠⁠⁠⁠⁠https://www.instagram.com/esw.beauty/ Website → ⁠⁠⁠⁠https://eswbeauty.com/ FOLLOW FOUNDR FOR MORE BUSINESS GROWTH STRATEGIES YouTube → ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://bit.ly/2uyvzdt⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Website → ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.foundr.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Instagram → ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.instagram.com/foundr/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Facebook → ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.facebook.com/foundr⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Twitter → ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.twitter.com/foundr⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ LinkedIn → ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.linkedin.com/company/foundr/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Podcast → ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.foundr.com/podcast⁠

Bitcoin sits near $60K in despondency with fresh buyers scarce and warnings of a quick move to $50K before $75K as sellers line up higher up. This candid roundtable examines the grinding bottoming process and tough psychology of buying when it feels bad, while unpacking why substantial new capital is needed to overcome layered selling. The group explores AI draining liquidity into Spacex IPOs even as it builds an agentic economy on stablecoins and blockchain rails for machine payments, Spacex's space data centers solving AI's energy woes, miners pivoting to lucrative AI/HPC or serving as flexible grid balancers, AI agents adding BTC to portfolios, resilient hash rates from sovereign players, ETF outflows mostly from hedge funds while core holders and banks accumulate, and banks launching competing stablecoin networks amid stalled regulatory clarity. Could high money velocity spark a fast recovery from this muted phase or is deeper capitulation still ahead? Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Meaningful Money Q&A episode, Pete and Roger answer six listener questions on pensions, retirement planning and tax for a UK audience. We cover whether to put life insurance into trust, how to reduce the 60% marginal tax trap around £100k income, and whether taking a defined benefit pension early can make sense when health is a factor. Plus, we explain the Royal Mail Collective Defined Contribution (CDC) pension, share practical guidance on dealing with overseas pensions, and discuss when to take 25% tax-free cash for the best outcome. Shownotes: https://meaningfulmoney.tv/QA51    01:36  Question 1 Hi both, I have a question relating to discretionary trusts for life insurance policies. I'm from Scotland, 37, married with 2 young children and have a life assurance policy with Vitality which is currently not in trust. I was considering putting into a trust for the benefits associated to inheritance tax but was looking to get your opinion on whether it was necessary or not, and what the pros/cons are. Thanks, Marc 05:46  Question 2 Hi Pete and Roger I am a relatively latecomer to the podcast - its been a year or so now but your work makes the complications of planning for retirement so much more understandable so thank you for bringing clarity to a very difficult subject. I have two first world questions if I may.  Neither are time critical. I am in a fortunate position.  DB pensions will kick in over the next 2 years (I am 63) totalling circa £75K pa and with the state pension at 67 it won't be very long - if tax thresholds and rates don't change - before I will be hitting the 60% effective rate.  So to delay the inevitable, I am thinking I will need to contribute to a DC pension!  As I understand it, if I have a DC scheme for three tax years and presumably contribute to such a scheme each year (say £100?) in the year I hit the £100K income, I will be able to contribute gross £3600 x 4 (so £2160 pa or £8640 in total, less any annual contributions along the way) in the first year or with care spreading that amount over 2-3 years to ease the tax burden.  I realise when the money is withdrawn it will still be taxed at my marginal rate, but maybe the 60% marginal rate will have been removed by then - I can hope!  Is that right?  Have I missed anything or are there any other techniques generally available? I am also in a position that when my wife and I both die, unless carehome fees have eaten into the estate, there will be inheritance tax to pay as our combined wealth is well over £1m and we have already given away what we reasonably can to our children.  As I understand it, inheritance tax is payable 6 months after death but all being well probate will be granted well before that so our bank accounts can be used to pay the tax (our children have financial and health powers of attorney but they are irrelevant on death).  Apart from incredibly expensive life assurance or a lifetime gift of cash for this purpose, is there anything else we can do to facilitate payment (the nature of our affairs means there's not much more we can do to mitigate the liability itself, ie the vast majority of the value is in the family home!) Many thanks, David   11:46  Question 3 Hi Roger and Pete,   First of all thank you for all the content you provide, it has been incredibly useful as I start to really take the idea of early retirement seriously.   I am 49 and looking to retire as early as financially possible as I have medical issues that mean my life expectancy is somewhat curtailed - though I plan on defying the inevitable for as long as possible.   I have a DC pension which I plan to access as soon as I stop working in hopefully 10 years' time. I also have an index-linked deferred DB pension which provides a 50% widows pension as one of the benefits.   I am torn between accessing this 6 years early (with a 25% reduction) as I start drawing from my DC pension, or delaying so that my wife is better taken care of later in life. Whatever I choose, all the projections seem to stack up that my DC pension should last into my 90s, but I'm acutely aware that I will probably want to go a bit overboard when I first retire and try to maximise travel and experiences.   My question is, am I missing something in the DB trade off?  Assuming I live a while after retiring, accessing the pension early will take a decent amount of time before we're financially worse off than we would have been if we'd waited (~13 years). However the combined loss of my state pension and the smaller DB income could leave my wife short of funds.   I would really appreciate your perspective on this scenario and anything else you think I might want to consider, many thanks again for all of your words of wisdom, Dan Meaningful Academy Retirement Planning: https://meaningfulacademy.com/retirementplanning  19:40 Question 4 Hi Pete and Roger! My partner works for Royal Mail, she is under the new starters contract and started in 2022, at which point the pension scheme was a typical defined contribution scheme with very generous contribution levels from the employer of 10% with a 6% contribution from the employee. This was 'easy' to make assumptions on for compound calculations to plan for our very far away retirement as we are both currently 27 years of age. Now this brings me to today's pension scheme, which is known as a Collective Defined Contribution plan. I'm struggling to find any information on this type of scheme as it seems to be the first of its kind in the UK, and seems to have been used for a while in the Netherlands. Now the wording of the scheme seems to be worded as if it's a Defined Benefit scheme with a lump sum being paid at retirement age and a 'Guaranteed income for life' amount being paid each month, however it has the caveat that the payout per month may decrease if investments do not perform as expected for better or for worse, so this is not a guaranteed amount at all in reality. The issue I have with this is that with a standard DC scheme like my own, if I was to die either before or during retirement, the remaining money in the pot would be inherited by my surviving spouse or if she was to pass away before I do, it would go to the next nominated beneficiary. With the Collective DC scheme, it's worded that if my partner was to die before she claimed it then I would receive the 'income for life' portion at a reduced rate of 50% and lose out on the lump sum entirely or if she was to pass away after claiming it then she would clearly receive the lump sum and I would remain to collect 50% income for life for as long as I remain alive. This seems to be very unfavourable for anyone receiving the benefit of this scheme on the whole. Now with some calculations, not using exact figures but somewhere close, I've just done some comparisons as the new Collective DC plan was sold as far and away a better option than the old DC Plan, but I cannot find a way for it to make sense. It's hard to see how this new scheme is better in any way compared to the old scheme, even if the contributions from the employer look more generous on paper. Is there something I am completely missing or misunderstanding with this new type of pension scheme? I have not seen much content online about it at all and would love for this to be featured in a podcast episode or video or even just for a chat on this matter as I feel very underwater with this. I can't seem to find a good way to factor this pension into our plan as we do plan to retire before the age of 67, this is just the age stated on the CDC scheme for payout so this is the assumption I am working with. There is an option to opt out of the CDC plan and join a regular NEST DC plan instead but this only has 4% employer contributions on top of the 5% employee giving a yearly contribution of x per year. I suppose my main gripe would be how much you would lose out on if the worst was to happen as traditionally this would remain as a pot for next of kin to inherit, however if my partner and I both passed away at age 70 (I certainly hope not!) and didn't have kids under the age of 18, the entire amount of money would be lost. This is the part I'm struggling to wrestle and the NEST pot even looks appealing with this in mind. I know the future is uncertain and we could live to 100, but the chances are relatively low. Apologies this got a bit long and ranty, I would appreciate any feedback. Keep up the amazing work and I have learned loads from your content over the years. Many Thanks, Joe 29:56 Question 5 Hi Pete and Rodger, Like many people these days, I spent part of my career working overseas. I'm now 52 and have been thinking about how best to deal with personal pensions I accrued while working abroad, in my case, in Japan and the United States (both broadly equivalent to 401(k)-type schemes). While working overseas, I didn't accrue sufficient qualifying years to receive any state pension benefits, but I did build up some company personal pension entitlements. The amounts are relatively small (less than £100k in total), which makes me question whether it's worth the time and cost of seeking formal financial advice. My UK-based pensions and ISAs are relatively straightforward and well organised, but these overseas pots feel more cumbersome by comparison. I imagine there must be many people in a similar position, holding small overseas pension pots and unsure what the most sensible approach is. From an administrative perspective, it feels as though the simplest option may be to access these pensions as soon as I reach the relevant retirement ages, rather than continuing to manage them long term. That said, I'd welcome any general thoughts or guidance on typical approaches people take in this situation, and any obvious pitfalls to be aware of. Many thanks, Lawrence Perceptive Planning - https://www.perceptiveplanning.co.uk     34:20  Question 6 58 now and both thinking of retiring at 61 with no mortgage and kids self sufficient. At age 61 we will have around £300k in savings (inc stocks n shares ISAs, cash ISAs, Premium Bonds and Bank Accounts) and between us will have around £450k in Pensions at age 67 and the wife will get a £7k a year NHS DB pension. Our idea is to live off the cash first from age 61 till age 67 to let the pension pot grow to its absolute max and then draw down the 25% tax free to add to state pension at age 67 then live off the rest at about 4% per year BUT others say take the tax free 25% before 67 because if do it at 67 it will add to the state pension taking you over the personal allowance! We want to let the pot grow more for actual retirement age of 67 onwards and leave more for the kids inheritance long term if we don't use it all so unsure what to do. For clarity, it's our intention to lump sum some money in to our pensions and ISAs in April with some of our 'available cash' and may also lump sum in to my Stocks n Shares ISA to leave it growing for say between 8 to 15 years until we need it. Any advice welcome, Steven. James Shack video on Withdrawal Strategy  https://www.youtube.com/watch?v=d4MDvcEcHXI   

Guest:Pam King serves as Tourism Manager for Destination Dripping Springs, the tourism department of the City of Dripping Springs. In her role, she helps showcase everything that makes Dripping Springs special—from its rich history and vibrant arts scene to its wineries, breweries, live music, outdoor recreation, and reputation as the Wedding Capital of Texas. She also plays a key role in community initiatives and events that attract visitors while celebrating the unique character of the Texas Hill Country.  Today, Pam joins us to talk about what it takes to promote one of Texas' fastest-growing destinations, how tourism impacts the local economy, and why so many people are discovering that Dripping Springs is much more than just a place to visit—it's a place people want to call home. Monologue:Texas Road TripsNew TX State ParkSpurs VS. KnicksCapsules Or Pods? Saying what needs to be said and broadcasting straight outta Dripping Springs, Steve Mallett and Michelle Lewis serve up unfiltered, unforgettable conversations with the most interesting folks you've never heard of-yet. From wild small-town stories and Hill Country gossip to sharp takes on real life, they mix humor, heart, and a healthy dose of Texas grit. It's like pulling up a chair at your favorite local bar, where the banter is real, the guests are bold, and nobody's afraid to speak their mind. You'll laugh, you'll think, and you just might see your own story in theirs. New episodes every week...because ordinary people make the best damn stories. They're not building an echo chamber. They're building a table. Big difference.Send us Fan MailSupport the showThe Best Realtor in Dripping Springs? The #1 choice is the Mallett Integrity Team, led by Steve Mallett. Local experts and results-driven service-Cedric Mills, Carlisle Kennedy, Maury Boyd, and Michelle Lewis.SouthStar Bank a tradition of full-service community banking for over 100 years. Your neighborhood Bank. Stop by a branch today! The Deep Eddy Vodka Tasting Room in the TX Hill Country just outside Austin, TX, welcomes over 75K visitors annually and sits within the former bottling plant. Family Friendly Fun in the Hill Country. Black Slate Construction /Black Slate Roofing-Locally owned and operated in Austin, TX! Over a decade of experience-their skilled team delivers high-quality construction/roofing and exceptional service.Follow us, leave a review and TELL A FRIEND!AppleInstagramWebsite

Guest:Joseph Jamieson isn't a career politician—he's a longtime Wimberley paramedic, business owner, and community guy who's spent years showing up when people needed help most. Now, as Candidate-Elect for Hays County Precinct 3 Justice of the Peace, he's bringing that same calm-under-pressure approach to public service. A Wimberley native and graduate of Wimberley High School, Joseph has deep roots in the community and a reputation for practical leadership, fairness, and common sense. Whether he's responding to emergencies, running local businesses, or talking about the future of Hays County, he comes across less like a politician and more like the guy you'd actually want answering the phone when things go sideways.Monologue:Matt Does A Super TriAustin Development NewsPeaches Don't Put OutJudgemental MapSaying what needs to be said and broadcasting straight outta Dripping Springs, Steve Mallett and Michelle Lewis serve up unfiltered, unforgettable conversations with the most interesting folks you've never heard of-yet. From wild small-town stories and Hill Country gossip to sharp takes on real life, they mix humor, heart, and a healthy dose of Texas grit. It's like pulling up a chair at your favorite local bar, where the banter is real, the guests are bold, and nobody's afraid to speak their mind. You'll laugh, you'll think, and you just might see your own story in theirs. New episodes every week...because ordinary people make the best damn stories. We're not building an echo chamber. We're building a table. Big difference.Send us Fan MailSupport the showThe Best Realtor in Dripping Springs? The #1 choice is the Mallett Integrity Team, led by Steve Mallett. Local experts and results-driven service-Cedric Mills, Carlisle Kennedy, Maury Boyd, and Michelle Lewis.SouthStar Bank a tradition of full-service community banking for over 100 years. Your neighborhood Bank. Stop by a branch today! The Deep Eddy Vodka Tasting Room in the TX Hill Country just outside Austin, TX, welcomes over 75K visitors annually and sits within the former bottling plant. Family Friendly Fun in the Hill Country. Black Slate Construction /Black Slate Roofing-Locally owned and operated in Austin, TX! Over a decade of experience-their skilled team delivers high-quality construction/roofing and exceptional service.Follow us, leave a review and TELL A FRIEND!AppleInstagramWebsite

In this episode, we're talking with Luis Villaseñor, co-founder of LMNT, about how he took an electrolyte brand from an idea in 2018 to over $100 million in revenue within three years. Luis shares how he leveraged his keto community, partnered with the right people, and built a nine-figure consumable brand. Get LMNT Today: https://drinklmnt.com/ Get on the waiting list at https://capitalism.com/bootcamp Timestamps (0:00) Intro (1:00) Luis's background as a keto coach (5:00) The recurring revenue opportunity (7:00) Building for an untapped market (9:00) Leveraging an existing audience (12:00) Launch response exceeded expectations with overwhelming customer demand (16:00) Bringing in operating partner James Murphy (20:00) Starting with just $75K self-funded capital investment (27:00) Building LMNT through a community-first approach (35:00) Trends in the market right now (45:00) How important is it for new brands to go after emerging trends? (48:00) Closing

Bitcoin is bleeding as a single whale dumped $1.29 billion of BlackRock's IBIT in a dark pool trade, pushing spot ETFs into a seven day outflow streak totaling $2.26 billion over two weeks. CryptoQuant's demand gauge just collapsed to its worst level since December and the Coinbase Premium has gone negative, proving this rally was leverage driven with no real spot bids underneath. We're breaking down whether BTC defends $75K or rolls over to new lows, what Warsh's hawkish pivot means for risk assets, and why the smart money is suddenly running for the exits. Learn more about your ad choices. Visit megaphone.fm/adchoices

Brief SummaryBitcoin is trading around $75.5K this morning after sliding toward key $75K support.Ethereum is below $2,100 and remains weaker than Bitcoin on a relative basis.Bitcoin has fallen to 13th among global assets, with capital rotating toward AI, semiconductors, gold, and other non-crypto trades.Traders are moving defensively into stablecoins, with USDT and USDC dominance rising.SoFi launched SoFiUSD to nearly 15 million members, making it one of the first U.S. national banks to offer a stablecoin directly inside a banking app.A large holder reportedly sold about $1.29 billion worth of BlackRock's Bitcoin ETF in a dark-pool trade.IREN signed a $1.6 billion Dell agreement to expand AI cloud infrastructure, showing how crypto infrastructure companies are chasing AI demand.Coinbase's Base launched Base MCP, allowing AI tools like ChatGPT, Claude, and Cursor to interact with wallets and DeFi apps.Crypto PACs spent about $9 million in Texas and scored wins in both parties.The U.K. sanctioned HTX and Russia-linked crypto networks as part of a broader crackdown on sanctions evasion.Singapore charged former Hodlnaut CEO Zhu Juntao with six fraud counts tied to TerraUSD exposure claims.OpenZeppelin's CEO warned that AI coding agents have made DeFi increasingly unsafe because attackers can find vulnerabilities faster than defenders can patch them.XRP remains range-bound near $1.32 to $1.33 after a failed breakout.The stablecoin market remains above $300 billion and is becoming one of the biggest battlegrounds between banks, fintechs, crypto exchanges, and regulators. Hosted on Acast. See acast.com/privacy for more information.

Brief SummaryBitcoin is trading near $77K this morning, but the market still looks defensive after a 7% two-week decline.Ethereum remains weaker than Bitcoin, trading around $2,100 and down more than 10% over the past two weeks.Crypto investment products saw $1.47 billion in outflows last week, including $1.32 billion from Bitcoin funds and $223 million from ether funds.The 11 U.S. spot Bitcoin ETFs alone lost $1.26 billion last week, following roughly $1 billion in outflows the week before.Bitcoin is pinned between key on-chain levels near $77K and Deribit options positioning around the $75K put and $80K call strikes.Strategy repurchased $1.5 billion in convertible debt for $1.38 billion, using cash instead of buying more Bitcoin.Strategy still holds 843,738 BTC at an average price around $75,700 per coin.Hyperliquid launched HIP-4 outcome contracts for macro events like inflation and Fed decisions, taking direct aim at prediction markets.Spain opened disciplinary proceedings against Polymarket and Kalshi and ordered ISPs to block both platforms.Nasdaq's QBTC Bitcoin index options have conditional SEC approval, but still need CFTC clearance.StablR froze USDR and EURR after an attacker minted $13.5 million in unbacked tokens through a 1-of-3 multisig weakness.Kelp DAO says rsETH has been fully restored after the April Lazarus-linked exploit.XRP Ledger is rolling out a maintenance upgrade to delete expired NFT offers and patch accounting bugs.Stablecoin market value has reached about $322 billion, now larger than the FX reserves of 95 countries.Tether plans to launch GELT, a Georgian lari stablecoin, with government support in Georgia. Hosted on Acast. See acast.com/privacy for more information.

Guest:Hunter Dolinger of Black Slate Roofing and Black Slate Construction is the kind of guy who can talk roofing, construction, and coast fishing with equal intensity and probably judge your gutters before he even rings the doorbell. A Texas outdoorsman through and through, he's built a reputation for helping homeowners navigate storms, repairs, and construction chaos without the smoke-and-mirrors nonsense people expect from the industry. When he's not climbing roofs or managing projects, there's a good chance he's somewhere near water trying to outsmart a fish that weighs more than his tackle box. Dry humor? Absolutely. Nervous about podcasts? Also yes. But underneath the calm delivery is a guy with sharp takes, real stories, and enough construction horror stories to make listeners suddenly inspect their attic at midnight with a flashlight.Monologue:Ex-UrbsReal Housewives of Dripping SpringsAirline EtiquetteDigital ID- Whether You Want It Or NotSaying what needs to be said and broadcasting straight outta Dripping Springs, Steve Mallett and Michelle Lewis serve up unfiltered, unforgettable conversations with the most interesting folks you've never heard of-yet. From wild small-town stories and Hill Country gossip to sharp takes on real life, they mix humor, heart, and a healthy dose of Texas grit. It's like pulling up a chair at your favorite local bar, where the banter is real, the guests are bold, and nobody's afraid to speak their mind. You'll laugh, you'll think, and you just might see your own story in theirs. New episodes every week...because ordinary people make the best damn stories. We're not building an echo chamber. We're building a table. Big difference.Send us Fan MailSupport the showThe Best Realtor in Dripping Springs? The #1 choice is the Mallett Integrity Team, led by Steve Mallett. Local experts and results-driven service-Cedric Mills, Carlisle Kennedy, Maury Boyd, and Michelle Lewis.SouthStar Bank a tradition of full-service community banking for over 100 years. Your neighborhood Bank. Stop by a branch today! The Deep Eddy Vodka Tasting Room in the TX Hill Country just outside Austin, TX, welcomes over 75K visitors annually and sits within the former bottling plant. Family Friendly Fun in the Hill Country. Black Slate Construction /Black Slate Roofing-Locally owned and operated in Austin, TX! Over a decade of experience-their skilled team delivers high-quality construction/roofing and exceptional service.Follow us, leave a review and TELL A FRIEND!AppleInstagramWebsite

It was Golden Day - Hamish’s chance to unleash his inner spending beast by blowing $75K of the People’s Bitcoin to buy the prize pool for the upcoming game show. To celebrate Andy’s birthday week, you guys ‘Pleasure Andy’, plus Andy puts the boys to the test in a round of ‘Who Did I See?’ after he and Bec spotted a string of celebrities during their recent trip overseas. Meanwhile, Hamish has an update on Jack’s attempt to return his drum kit - with plenty of confusion around the plan! 1. It’s Golden Day 2. Pleasure Andy 3. Who Did I See? 4. The Drums Get Delivered

Guests:Mike Morgan and Pat Manske are two guys who've spent the last 30 years helping shape the soundtrack of the Texas Hill Country. The Zone Recording Studio founder Mike Morgan and  partner Pat Manske aren't just studio owners-they're part of the musical DNA of Dripping Springs itself. From legendary Texas artists to up-and-coming songwriters, The Zone has become the kind of place where great music gets made without the ego and nonsense. Just talent, grit, and a whole lot of late nights.Their impact was recognized in a big way when the City of Dripping Springs officially declared May 5th as “The Zone Celebration Day,” honoring three decades of contributions to the local music scene and Hill Country culture. Mike and Pat have quietly built one of the most respected recording studios in Texas-not by chasing trends, but by consistently creating a space where artists actually want to work. In a world full of auto-tune and algorithms, these guys still believe in musicianship, sound quality, and doing things the right way. Which explains why so many artists keep coming back. Today we talk music, Dripping Springs history, studio stories, and what it takes to survive-and thrive-for 30 years in an industry that chews people up faster than a drummer with free tacos and an open bar.Monologue:The Return Of Michelle!You Run Like A GirlBlue Dot FeverTed Turner RememberedSaying what needs to be said and broadcasting straight outta Dripping Springs, Steve Mallett and Michelle Lewis serve up unfiltered, unforgettable conversations with the most interesting folks you've never heard of-yet. From wild small-town stories and Hill Country gossip to sharp takes on real life, they mix humor, heart, and a healthy dose of Texas grit. It's like pulling up a chair at your favorite local bar, where the banter is real, the guests are bold, and nobody's afraid to speak their mind. You'll laugh, you'll think, and you just might see your own story in theirs. New episodes every week...because ordinary people make the best damn stories. We're not building an echo chamber. We're building a table. Big difference.Send us Fan MailSupport the showThe Best Realtor in Dripping Springs? The #1 choice is the Mallett Integrity Team, led by Steve Mallett. Local experts and results-driven service-Cedric Mills, Carlisle Kennedy, Maury Boyd, and Michelle Lewis.SouthStar Bank a tradition of full-service community banking for over 100 years. Your neighborhood Bank. Stop by a branch today! The Deep Eddy Vodka Tasting Room in the TX Hill Country just outside Austin, TX, welcomes over 75K visitors annually and sits within the former bottling plant. Family Friendly Fun in the Hill Country. Black Slate Construction /Black Slate Roofing-Locally owned and operated in Austin, TX! Over a decade of experience-their skilled team delivers high-quality construction/roofing and exceptional service.Follow us, leave a review and TELL A FRIEND!AppleInstagramWebsite

In this episode of The Modern Hairstylist Podcast, host Hunter Donia and guest Jodie Brown get into the money conversation most stylists either avoid entirely or stress about at the wrong time. If you are an independent hairstylist or salon suite owner who has crossed or is approaching the six-figure mark and you want to actually understand what is happening with your money, this episode is for you.Hunter and Jodie walk through what financial management as a stylist entrepreneur actually looks like at different income levels, why the advice to cut expenses is not always the right move, and what it really means to increase your profitability. Hunter is candid about the limits of his own expertise while sharing the real frameworks he uses with Mastermind clients to help them take home more money without working more hours.Key Takeaways:

Working hard on the wrong thing and you can feel it, but you can't see it from inside the jar. In this episode, I break down the Decision Call format, what it is, why it works, and the pattern showing up across four very different SaaS partner businesses I ran calls with recently. One was a Microsoft partner at $800K running two business models pretending to be one. One was a Salesforce solopreneur serving nonprofits who couldn't pay her real rate. One was a NetSuite partner whose revenue had dropped from $75K a month to under $15K. One was a Zoho partner building bespoke AI with no packaged offer. Different platforms, different countries, same problem. If you're stuck on your number one challenge and need clarity to act on it, this one is for you.Resources and LinksNeed help with your WHO and WHAT decisions? Apply for a FREE Multiplier CallBook a Decision Session herePrevious episode: 683 - Get Specific, Get Rich, or Get Out with Jay McBainCheck out more episodes of the Paul Higgins PodcastSubscribe to our YouTube channel: @PaulHigginsMentoringJoin our newsletterSuggested resources

SPECIAL GUEST HOST CARLISLE KENNEDY FILLS IN FOR MICHELLEGuest:Today's guest is Robert Parker II, Commander of VFW Post 2933 in Dripping Springs — a guy who went from growing up on a tiny island in Maine and commercial fishing to serving 30 years in the U.S. Army as a Military Policeman, Drill Sergeant, Recruiter, and Command Sergeant Major. Basically, if leadership had a uniform, Rob wore it. Now he's serving veterans and the local community here in the Hill Country with the same steady, no-drama leadership style. He's a husband, father, grandfather, church volunteer, outdoorsman, and one of the few people alive who proudly says quitting social media made him happier. Frankly… the man may be onto something. Monologue:Foreclosures Jump In Q1 2026Silver TsunamiRetail Closure SurgeMac and Cheese CrimeSaying what needs to be said and broadcasting straight outta Dripping Springs, Steve Mallett and Michelle Lewis serve up unfiltered, unforgettable conversations with the most interesting folks you've never heard of-yet. From wild small-town stories and Hill Country gossip to sharp takes on real life, they mix humor, heart, and a healthy dose of Texas grit. It's like pulling up a chair at your favorite local bar, where the banter is real, the guests are bold, and nobody's afraid to speak their mind. You'll laugh, you'll think, and you just might see your own story in theirs. New episodes every week...because ordinary people make the best damn stories.Send us Fan MailSupport the showThe Best Realtor in Dripping Springs? The #1 choice is the Mallett Integrity Team, led by Steve Mallett. Local experts and results-driven service-Cedric Mills, Carlisle Kennedy, Maury Boyd, and Michelle Lewis.SouthStar Bank a tradition of full-service community banking for over 100 years. Your neighborhood Bank. Stop by a branch today! The Deep Eddy Vodka Tasting Room in the TX Hill Country just outside Austin, TX, welcomes over 75K visitors annually and sits within the former bottling plant. Family Friendly Fun in the Hill Country. Black Slate Construction /Black Slate Roofing-Locally owned and operated in Austin, TX! Over a decade of experience-their skilled team delivers high-quality construction/roofing and exceptional service.Follow us, leave a review and TELL A FRIEND!AppleInstagramWebsite

In this Crypto Town Hall, the hosts analyze Bitcoin's technical setup and bullish potential for a weekly close above $75K amid a heavily shorted rally. They highlight a U.S. Admiral's testimony on Bitcoin as a national security asset, with the military running nodes and exploring Proof of Work to secure data against AI spoofing. The conversation covers Morgan Stanley's new Stablecoin Reserves Portfolio positioning the bank as reserve manager for stablecoin issuers, followed by a lively debate on stablecoins' value for global financial inclusion versus being synthetic fiat. Finally, they break down the Kelp DAO hack's contagion effects on Aave, DeFi's risk repricing, lack of bankruptcy protections, and why regulated lending may be safer for institutions. Learn more about your ad choices. Visit megaphone.fm/adchoices

The Iran ceasefire continues — or does it? Rob breaks down Trump's daily flip-flops, Iran's oil storage crisis, and the real game of economic chicken being played in the Hormuz. Plus: a former congressman explains how DC sexual blackmail operations actually work, Swalwell's $75K campaign bender and the hypocrisy of his "believe all women" pitch, kids are speedrunning the Scientology building, a streamer is getting $35,000 jaw surgery for 1.5 attractiveness points, JD Vance listening to Hasidic Disney ballads, Trump reads the Bible and wonders why God doesn't take more victory laps, Rogan gets Ibogaine FDA-approved by text message, and Mamdani's grocery store is $3,333 per square foot while Whole Foods does it for $595. Plus the SPLC manufacturing extremism story that reads exactly like an FBI playbook.thefiretix.com — Porch Tour tickets and porch submissionsrobbernsteincomedy.com — support the show and Live show datesSheath Underwear promo code RYM for 20% offYoKratom.com

Vercel confirmed a breach traced to an AI platform's compromised OAuth app. The NSA is using Anthropic's Mythos despite the Pentagon blacklist. Mac Minis face 12-week wait times from AI agent demand, and humanoid robots crushed the Beijing half-marathon. Vercel says its internal systems were accessed after a Vercel employee's Google Workspace account was compromised via a breach at the AI platform Context.ai (BleepingComputer) Sources: the US NSA is using Mythos Preview; one source says Mythos is also being widely used within the DoD, despite Anthropic's supply chain risk designation (Axios) Adobe introduces CX Enterprise, an AI agent-based platform that aims to help corporate customers automate digital marketing and other functions (WSJ) Some Mac Mini and Mac Studio models are unavailable or facing up to 12-week wait times in the US, with analysts citing strong demand from AI agent power users (WSJ) Deezer says AI-generated tracks now account for 44% of daily uploads, totaling ~75K tracks per day and 2M+ per month, but account for just 1-3% of consumption (TechCrunch) Sources: Recursive Superintelligence, a four-month-old start-up developing self-teaching AI and founded by ex-DeepMind and OpenAI engineers, has raised $500M+ (FT) At the Beijing half-marathon, several humanoid robots beat human winners by 10+ minutes; a robot made by Honor beat the human world record held by Jacob Kiplimo (Reuters) Disclaimer: ● Initial 3 week subscription and 4 weeks of medication from $79 plus tax and $179 per month plus tax for 12 week subscription thereafter. Final pricing depends on program selection. ● Noom GLP-1Rx Program involves healthy diet, exercise and support. Individual results vary. Meds & personalization based on clinical need. Not reviewed by FDA for safety, efficacy, or quality. No affiliation with Novo Nordisk Inc., the only US source of FDA-approved semaglutide. Not available in all 50 US states ● Based on an analysis of self reported data from 1,254 engaged Noom users. Learn more about your ad choices. Visit megaphone.fm/adchoices

If you've been looking for a sales vehicle that works 24/7 & strategically fosters repeat lifetime buyers, this episode is for you! Meet Mikaela Johnson, RN turned 3-time founder.  Mikaela is mentor that 6, 7 and 8-figure industry leaders call when they're ready to rise into their next level of success.  They hire Mikaela to solidify their "category of one" brand positioning and authority as they scale their sales with her 'invisible offer systems' that print money... all while keeping the Lord God at the center. Download Mikaela's Authority Asset Idea Bank: https://stan.store/mikaelainspires/p/authority-asset-idea-bank Connect with Mikaela: https://mikaelainspires.com  https://madebytheword.com/   Highlights: 01:42 – Visibility vs. Conversion 03:15 – Why Content Alone Doesn't Create Revenue 05:08 – The Hidden Sales Gaps in Most Businesses 07:26 – The Sales Ecosystem Explained 10:14 – Launch Dependency vs. Daily Sales 15:02 – CEO Thinking vs. Employee Thinking 21:05 – What to Audit Immediately   Next Steps: