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Why do investors so often buy high and sell low? Jonathan Penn & Matt Doyle expose the dangers of herd mentality in the stock market, how FOMO (fear of missing out) drives bad decisions, and what behavioral finance teaches us about avoiding costly investing mistakes. Learn how to recognize crowd behavior—and how to protect your portfolio from emotional traps. Jon & Matt also cover market response to new tariffs, and whether markets will catch a breather. Transitioning from an accumulator to a distributor in terms of cash flow in retirement. An interesting comparison between Ricky Arnaz & Lucille Ball and Lance & Christina Roberts. How RIA crafts a retirement fund distribution plan; more commentary on our last Radio episode, and a preview of our next Candid Coffee [see registration link below]. Is the Roth decision right for you now? * NOTE: Today was our final terrestrial Radio broadcast, as we transition to an all-digital platform starting Monday, August 4, 2025. Please be sure you're SUBSCRIBED here to catch each episode! SEG-1a: Last Radio Broadcast SEG-1b: Market Reactions to "Sweeping" New Tariffs SEG-2: Will Markets Take a Breather? SEG-3a: Ricky & Lucy and Christina & Lance SEG-3b: Transitioning from Accumulation to Distribution SEG-4a: Last Broadcast & Savvy Social Security SEG-4b: Distribution Cash Flow Strategies Hosted by RIA Advisors RIA Advisors Senior Investment Advisor, Jonathan Penn, CFP, w Senior Relationship Manager, Matt Doyle, CFP Produced by Brent Clanton, Executive Producer ------- Watch today's video on YouTube: https://www.youtube.com/watch?v=hkyUUEPAlWY&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 ------- The latest installment of our new feature, Before the Bell, "Consider the Risk" is here: https://www.youtube.com/watch?v=C8aJBb1QNpg&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- Our previous show is here: "The Fed Holds Firm" https://www.youtube.com/watch?v=v09W8vpagMw&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=2 ------- Register for our next Candid Coffee, "Savvy Social Security Planning," August 23, 2025: https://streamyard.com/watch/pbx9RwqV8cjF ------- Get more info & commentary: https://realinvestmentadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #HerdMentality #InvestorBehavior #MarketMistakes #FOMOInvesting #BehavioralFinance #RetirementFunds #RothConversion #RequiredMinimumDistribution #KSEV #LastRadioShow #InvestingAdvice #Money #Investing
Why do investors so often buy high and sell low? Jonathan Penn & Matt Doyle expose the dangers of herd mentality in the stock market, how FOMO (fear of missing out) drives bad decisions, and what behavioral finance teaches us about avoiding costly investing mistakes. Learn how to recognize crowd behavior—and how to protect your portfolio from emotional traps. Jon & Matt also cover market response to new tariffs, and whether markets will catch a breather. Transitioning from an accumulator to a distributor in terms of cash flow in retirement. An interesting comparison between Ricky Arnaz & Lucille Ball and Lance & Christina Roberts. How RIA crafts a retirement fund distribution plan; more commentary on our last Radio episode, and a preview of our next Candid Coffee [see registration link below]. Is the Roth decision right for you now? * NOTE: Today was our final terrestrial Radio broadcast, as we transition to an all-digital platform starting Monday, August 4, 2025. Please be sure you're SUBSCRIBED here to catch each episode! SEG-1a: Last Radio Broadcast SEG-1b: Market Reactions to "Sweeping" New Tariffs SEG-2: Will Markets Take a Breather? SEG-3a: Ricky & Lucy and Christina & Lance SEG-3b: Transitioning from Accumulation to Distribution SEG-4a: Last Broadcast & Savvy Social Security SEG-4b: Distribution Cash Flow Strategies Hosted by RIA Advisors RIA Advisors Senior Investment Advisor, Jonathan Penn, CFP, w Senior Relationship Manager, Matt Doyle, CFP Produced by Brent Clanton, Executive Producer ------- Watch today's video on YouTube: https://www.youtube.com/watch?v=hkyUUEPAlWY&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 ------- The latest installment of our new feature, Before the Bell, "Consider the Risk" is here: https://www.youtube.com/watch?v=C8aJBb1QNpg&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- Our previous show is here: "The Fed Holds Firm" https://www.youtube.com/watch?v=v09W8vpagMw&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=2 ------- Register for our next Candid Coffee, "Savvy Social Security Planning," August 23, 2025: https://streamyard.com/watch/pbx9RwqV8cjF ------- Get more info & commentary: https://realinvestmentadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #HerdMentality #InvestorBehavior #MarketMistakes #FOMOInvesting #BehavioralFinance #RetirementFunds #RothConversion #RequiredMinimumDistribution #KSEV #LastRadioShow #InvestingAdvice #Money #Investing
Mt. Iliamna is an active cone-shaped volcano located one hundred and forty miles (225 km) southwest of Anchorage and seventy miles (113 km) northwest of Homer. It is part of the Chigmit Mountains and rises from its base near Cook Inlet to 10,016 feet (3052.9 m), one of the highest peaks in the volcanically active area of the Alaska Peninsula. Ten glaciers radiate from the volcano's slopes. Iliamna last erupted in 1867, and observers have occasionally seen smoke wafting from the summit since then. However, it is the weather surrounding the mountain, not the volcanic activity, that makes Iliamna dangerous. Clouds frequently cloak the mountain's peak, and turbulent winds buffet this mountainous region, creating some of the most hazardous weather on the planet. Coastal fog and rain often create restricted visibility and a low ceiling. For aviators, flying in this area of the state can be challenging, dangerous, and sometimes deadly. Between 1958 and 1977, four mid-sized planes either crashed into Mt. Iliamna or were destroyed by the turbulence near the mountain, killing a total of seventy-nine people. Sources: Abbott, Jeanne. “No survivors found at site of plane crash.” September 9, 1977. Anchorage Daily News. “Clouds, rain hinder search.” February 14, 1977. Anchorage Daily News. “Ground party will investigate wreck of C-54 at Iliamna.” December 27, 1958. Anchorage Daily News. “Halt attempted to recover airmen on Mt. Iliamna.” December 29, 1958. Anchorage Daily News. Liefer, Gregory P. Aviation Mysteries of the North. “Cleared as Filed.” 2011. Anchorage, AK. Publication Consultants. Liefer, Gregory P. Broken Wings. “Turbulence Over Pedro Bay.” 2014. Anchorage, AK. Publication Consultants. Liefer, Gregory P. Broken Wings. “An Accumulation of Errors.” 2014. Anchorage, AK. Publication Consultants. “Mt. Iliamna crash hearing to open today.” November 9, 1977. Anchorage Daily News. “Mt. Iliamna – Where 15 Alaska airmen died.” December 27, 1958. Anchorage Daily News. “Pilots, AAI blamed for crash.” May 5, 1978. Anchorage Daily News. “Plane wreckage is identified as missing C-54.” December 26, 1958. Anchorage Daily News. Porterfield, Bob. “AAI crash probe opens.” November 10, 1977. Anchorage Daily News. Porterfield, Bob. “Federal findings show AAI plane's violation.” October 22, 1977. Anchorage Daily News. Porterfield, Bob. “Iliamna crash – why?” October 1, 1977. Anchorage Daily News. “Rescuers held off crash site.” September 8, 1977. Anchorage Daily News. Weller, Robert. “Controller at fault in air crash?” February 15, 1977. Anchorage Daily News. _______________________________________________ Join the Last Frontier Club's Free Tier ___________________________________________________________ The Crime is More Horrible Than You Can Imagine! _________________________________________________________________________ IF YOU ENJOY LISTENING TO YOUR NOVELS, CHECK OUT THE AUDIOBOOK VERSION OF MASSACRE AT BEAR CREEK LODGE ________________________________ Robin Barefield lives in the wilderness on Kodiak Island, where she and her husband own a remote lodge. She has a master's degree in fish and wildlife biology and is a wildlife-viewing and fishing guide. Robin has published six novels: Big Game, Murder Over Kodiak, The Fisherman's Daughter, Karluk Bones, Massacre at Bear Creek Lodge, and The Ultimate Hunt. She has also published two non-fiction books: Kodiak Island Wildlife and Murder and Mystery in the Last Frontier. She draws on her love and appreciation of the Alaska wilderness as well as her scientific background when writing. Robin invites you to join her at her website: https://robinbarefield.com, and while you are there, sign up for her free monthly newsletter about true crime in Alaska. Robin also narrates a podcast, Murder and Mystery in the Last Frontier. You can find it at: https://murder-in-the-last-frontier.blubrry.net Subscribe to Robin's free,
The world constantly tells us, “You just need a little more.” But what if real peace isn't found in having more, but in learning to need less?What comes to mind when you hear the word “wealth”? For some, it means freedom. For others, it brings anxiety and pressure. Today, Jeff Manion joins us to explore how we can cultivate contentment in a culture that always craves more.Jeff Manion is the Teaching Pastor at Ada Bible Church in Grand Rapids, Michigan, where he has served for over 40 years. He is also the author of several books, including Satisfied: Discovering Contentment in a World of Consumption.Why Wealth Confuses UsIn a world that constantly urges us to acquire more, climb higher, and chase the next upgrade, contentment often feels elusive. But what if true satisfaction isn't found in accumulation, but in learning—learning to trust, to remember, to let go, and to live fully in the present? Contentment is not something we're born with—it's something we must learn. And we're learning it together.Let's be honest—wealth can be confusing. One day, we're living simply out of necessity, and the next, after years of doing the right things—avoiding debt, saving diligently, and giving generously—we find ourselves in a season of financial stability. You'd think contentment would come naturally at that point. But surprisingly, it doesn't.Learning contentment in a season of sufficiency is often more challenging than in a season of scarcity. When we experience financial security, the temptation to trust in our own strength rather than God's provision becomes a real concern. This isn't new—it's the same struggle the Israelites faced in Deuteronomy 8. After years of daily dependence on manna in the wilderness, God warned them not to forget Him once they entered the Promised Land. He reminded them: “Remember the Lord your God, for it is He who gives you the ability to produce wealth” (Deut. 8:18). That warning is for us too.The Danger of the “There and Then” MentalityContentment is rooted in the present, not the future. And yet we often believe we'll only be at peace "there and then"—when the vacation arrives, the mortgage is paid off, or the kitchen is finally renovated. But if we can't be fully alive to God and the people around us now, there's no guarantee we will be later.We don't stumble into contentment—we learn it. The Apostle Paul, writing under house arrest, said, “I have learned to be content whatever the circumstances” (Phil. 4:11). His circumstances didn't determine his joy. His peace wasn't tied to his comfort. And ours doesn't have to be either.Sometimes the path to contentment starts by taking inventory—literally. For many of us, stuff multiplies without our awareness. A drawer of unworn t-shirts, a shelf of unused dishes, boxes of forgotten CDs…they add up. We can begin the journey toward contentment by shedding excess.A simple practice, like giving away five items a day for seven weeks, can bring clarity and peace. Not because we're pursuing minimalism for its own sake, but because we're reminding ourselves that joy isn't found in our possessions—it's found in a life uncluttered by distraction, filled with God's presence and purpose.Escaping the Comparison TrapComparison is a thief of joy. Whether or not Teddy Roosevelt actually coined the phrase, it's undeniably true. In our digital age, we don't just compare lives—we compare carefully curated highlight reels. This distorts our view, convincing us we're missing out when in fact, we're richly blessed.Comparison shifts our focus from gratitude to scarcity. And scarcity suffocates generosity. When we believe we never have enough, we become unable to see the abundance God has already given us—abundance meant to be shared.Generosity is one of the most effective ways to break money's grip on our hearts. Paul's charge to Timothy echoes through the centuries: “Command those who are rich… not to put their hope in wealth… but to put their hope in God… to be rich in good deeds, and to be generous and willing to share” (1 Tim. 6:17–18).When we give, we reflect the heart of our generous God—first in creation, then in Christ. And as we open our hands, we discover joy not in what we keep, but in what we release for the sake of others and the glory of God.Passing on the Legacy of ContentmentWe long for our children and grandchildren to experience true satisfaction. But contentment isn't just taught—it's caught. When our families see that our greatest joy is not in acquiring new and better things but in reflecting the generosity of Christ, they begin to understand that there's a story far bigger than material success.We want them to see us delight in giving, not just spending. To notice our peace when things don't go our way. To recognize that the content life isn't a small life—it's a deeply rich one, rooted in grace and lived with open hands.On Today's Program, Rob Answers Listener Questions:I have around $1.5 million in total assets and $500,000 in available funds. Given the current tax environment, I'm considering whether now might be a strategic time to withdraw from my pre-tax retirement accounts and pay the taxes. I'm currently living on Social Security and pension income and haven't needed to tap into my savings yet.I'd like to open an account for my great-grandchildren, who are currently 3 years old and 18 months old. I've been looking into a universal life insurance policy, but would appreciate guidance on the best way to save for their future—possibly to help with education expenses.Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Satisfied: Discovering Contentment in a World of Consumption by Jeff ManionSavingForCollege.comWisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.
On croit souvent qu'un bon tri, c'est un tri rapide. Mais si on se contente de jeter, sans se demander pourquoi on garde, pourquoi on reçoit, pourquoi on accumule… alors le bazar revient. Encore et encore.Dans cet épisode, on prend le temps de revenir à l'essentiel : désencombrer, ce n'est pas une performance. C'est une démarche. Une vraie réflexion sur nos peurs, nos automatismes, nos choix.Un tri qui dure, ça commence à l'intérieur.Le transcript de l'épisodeToutes les informations sur mon programme d'accompagnement au tri (www.faminimaliste.com/accompagnement)Toutes mes ressources gratuites en un clic⬇️Recevoir ma liste de tri pièce par pièce⬇️Recevoir ma liste de 20 défis minimalistes⬇️Recevoirles 5 étapes clés pour se lancer dans le triSoutenir le podcast en faisant un don (https://ko-fi.com/faminimaliste) Pour rester en contact avec moi et me poser toutes vos questions L'instagram @faminimaliste (https://instagram.com/faminimaliste)
In today's episode, I cover the various aspects of institutional accumulation as it pertains to shares of stocks, and how us as retail traders can spot it and react to it. I provide my best tips and tricks to using institutional accumulation to your advantage.Be sure to check out my Swing-Trading offering through SharePlanner that goes hand-in-hand with my podcast, offering all of the research, charts and technical analysis on the stock market and individual stocks, not to mention my personal watch-lists, reviews and regular updates on the most popular stocks, including the all-important big tech stocks. Check it out now at: https://www.shareplanner.com/premium-plans
In the latest episode of The Money Reckoning series, I speak with a next-gen wealth holder about the uncomfortable journey of questioning privilege and purpose.THE IMPACT. Patrick Knodel:Is the founder of impact investing fund Innovation for ImpactIs the CEO of the philanthropic Chancemaker FoundationTHE JOURNEY. In our conversation, we explore:Working for purpose and not for money. "I want to feel useful for the world, not just for myself. Let's be honest, in the current system, the best paid jobs are the ones that ruin the world. That's a systemic problem at the moment."Next gen wealth. "The baseline is always how can you keep the wealth in your family over generations? That's the bottom line. The standard is: can we accumulate and keep it? There's not even a question whether that's a good thing to do. That's just a given." "I only have one life. There is an exchange between time and additional accumulation of money. "The inner fight. "How much do I wanna accumulate, to provide a safety net for my own family. And to what extent do I just wanna spend my time working so that it doesn't happen."Planning for the future. "You can have all those scenarios, own property and land in different parts of the world that you can reach anytime. And that's what rich people do. Do I want to be like that? No. Let's work really hard toward community and togetherness, so this doesn't happen."Wealth redistribution. "Climate change, biodiversity loss. You go to the root cause then you have to talk about wealth and about wealth distribution, and nobody who really looks at the world from an outside perspective without taking his own privileged position can deny that the accumulation of wealth is the main root cause of all our problems."
Dr. Jose Lime is a Professor at Southern Illinois University and the principal investigator in the Cannabis Biology and Cultivation Systems lab. He and his team focus on determining how to leverage environmental controls (light intensity, duration, quality, temperature, and CO2), plant nutrition, biostimulants, and hormones to improve plant production. Moreover, the research group is developing techniques to optimize plant yields and quality based on key crop steering traits that increase sustainability and efficiency via plant physiological, biochemical, and agricultural approaches. During our conversation, we discussed several recent studies that Jose and his team have published, including: Using mechanical stimulation and high stress training to increase production of secondary metabolites Applying plant hormones to increase trichome density Assessing how drought stress affects plant yield and potency Standardizing cloning methods for plant propagation Developing standards for measuring trichome density Thanks to This Episode's Sponsor: Advanced Nutrients Founded in 1999, Advanced Nutrients was the first to develop a complete nutrient system that unlocks the true genetic potential of the cannabis plant. Since its inception, the brand has introduced more than 50 innovations to the cultivation community and continues to revolutionize the space through proprietary scientific discoveries. Learn more at AdvancedNutrients.com Additional Resources DrLeme.com Methyl Jasmonate and Ammonium Bicarbonate: Distinct and Synergistic Impacts on Indoor Cannabis Production Dynamics The Role of Jasmonates in Modulating Growth, Trichome Density, and Cannabinoid Accumulation in Cannabis sativa L. The Effects of Water-Deficit Stress on Cannabis sativa L. Development and Production of Secondary Metabolites: A Review From Bracts to Buds: Developing Reliable Methods for Trichome Density Assessment in Cannabis sativa L. Accumulation of Trigonelline in the Leaves of Cannabis sativa L. in Response to Water-Deficit Stress Implementation of a Standardized Cloning and Propagation Protocol for Optimizing Cannabis sativa L. Cultivation
George Tsilis turns to the broad market action and points out why an "accumulation phase" has kept dip-buying mentality alive. He also talks about noticeable moves in metals and utilities and explains how they're adding to the backbone of rallies in the SPX and NDX.======== Schwab Network ========Empowering every investor and trader, every market day.Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – / schwabnetwork Follow us on Facebook – / schwabnetwork Follow us on LinkedIn - / schwab-network About Schwab Network - https://schwabnetwork.com/about
We only back what we use—VersaGrips are a game changer. https://www.versagripps.com/pages/drmike Want to get even more jacked? Grab the RP Hypertrophy App for your training, and maximize your gym efforts with the RP Diet Coach App to nail your nutrition. 1:35 What does hard training mean 5:37 Load 11:14 Relative effort 16:25 Volume 32:25 Accumulation to deload 38:41 Consistency
Tune in live every weekday Monday through Friday from 9:00 AM Eastern to 10:15 AM.Buy our NFTJoin our DiscordCheck out our TwitterCheck out our YouTubeDISCLAIMER: You should never treat any opinion expressed by the hosts of this content as a recommendation to make a particular investment, or to follow a particular strategy. The thoughts and commentary on this show are an expression of the hosts' opinions and are for entertainment & informational purposes only.
In this episode of Guerrilla History, we bring back fan favorite Ali Kadri to discuss a very important topic - Sanctions as Genocide! Long time listeners will remember that we previously had a series on Sanctions As War, and this episode is a great accompaniment to those past conversations. Similarly, this goes very well with our other conversations with Ali (Lebanon vs. Zioimperialism and Palestine - War, Occupation, and Proletarianization). We will be really excited to also have Ali back several more times for an upcoming mini-series! Ali Kadri is an esteemed Professor at various institutions around the world, as well as the author of many important books including Arab Development Denied: Dynamics of Accumulation by Wars of Encroachment, The Accumulation of Waste: A Political Economy of Systemic Destruction, and The Unmaking of Arab Socialism. Help support the show by signing up to our patreon, where you also will get bonus content: https://www.patreon.com/guerrillahistory We also have a (free!) newsletter you can sign up for, and please note that Guerrilla History now is uploading on YouTube as well, so do us a favor, subscribe to the show and share some links from there so we can get helped out in the algorithms!! *As mentioned, you will be able to find Tsars and Commissars: From Rus to Modern Russia soon on YouTube.
“Then I saw that all toil and all skill in work come from a man's envy of his neighbor. This also is vanity and a striving after wind.” — Ecclesiastes 4:4Ecclesiastes shows us how even good work can go wrong when driven by envy. What starts as diligence can quickly become a pursuit of status. Today, we'll look at how chasing approval leaves us empty—and how God invites us into something much greater.The Idol of StatusThe Bible Project says Ecclesiastes “targets all the ways we try to build meaning and purpose in life apart from God.” It gives voice to the Preacher, who carefully exposes the emptiness of paths like pleasure, wealth, and status. In recent weeks, we've looked at the idols of pleasure and accumulation. Today, we turn to the idol of status.This one can be harder to spot. The line between excellence and envy is thin. Ecclesiastes 4:4 says, “Then I saw that all toil and all skill in work come from a man's envy of his neighbor.” That's a striking thought. Our motivation may not be love of the work or calling—it's often the quiet urge to compete. To keep up. To be seen.That's what status does. It whispers, You're not enough—unless others notice you. And without realizing it, our careers, spending, and even our generosity, can become ways of proving our worth.“Keeping up with the Joneses” isn't just a saying—it's a way of life for many. We compare houses, vacations, schools, and the pressure to match others can lead to debt, burnout, and dissatisfaction with what God has already provided.And in our digital age, the pressure's amplified. Social media showcases only the highlight reel, not the debt, exhaustion, or stress that often accompany it. But we still scroll and wonder, “Why not me?”A Better Way ForwardEcclesiastes answers that longing with honesty. In verse 8, the Preacher describes someone who works tirelessly, builds wealth, but has no one to share it with: “There is no end to all his toil, and his eyes are never satisfied with riches…” It's a picture of success without joy. Activity without peace. A full schedule, but an empty soul.However, he then offers a better alternative. In verse 6, we read: “Better is a handful of quietness than two hands full of toil and a striving after wind.” In other words, it's better to have less with peace than more with anxiety. That's not laziness—it's wisdom. A life lived with margin, grounded in God's provision.Work as Worship, Not PerformanceThis is the invitation Ecclesiastes extends: not to give up on excellence, but to anchor it in the right place. When our work flows from a love for God and a desire to serve others, it becomes a blessing, not a burden. It becomes worship.We don't need applause—we need peace. And in Christ, we already have it. His approval is not based on performance. It's based on grace. That frees us from striving to be seen and lets us rest in being known.Maybe that's where you are—tired, overextended, wondering what you're chasing. Ecclesiastes invites you to step off the treadmill of comparison. You don't have to strive for identity. You already have it in Jesus.We often see examples of this. A professional sacrifices evenings and weekends to climb the corporate ladder, only to feel lonely at the top. A family maxes out their budget to project an image, while tension quietly builds at home. These aren't just stories—they're warnings. And they echo Ecclesiastes' caution about what we're trading in our pursuit of more.Sometimes this isn't just about envy. It's about fear—fear of being unseen, of being left behind. So we push harder, hoping success will quiet that fear. But only God can give the peace we're looking for.Redefining SuccessContentment doesn't mean quitting. It means redefining success. It means anchoring your worth in something that lasts. When you stop striving in vain, your ambition gets reoriented. Your work becomes more joyful. Your giving becomes more meaningful.So ask yourself today: Who am I trying to impress? What am I really chasing?If your hands are full but your heart is empty, Ecclesiastes invites you to trade performance for peace. True success isn't about being noticed or admired—it's about being faithful with what God has given you. And your worth? It's not something you have to earn or achieve. In Christ, you have nothing to prove because in Him, you are deeply loved, fully known, and eternally valued.Want to Go Deeper?If you want to dig deeper into these themes, we've created a new study just for you. It's called Wisdom Over Wealth, and it explores what Scripture—especially the book of Ecclesiastes—has to say about money, work, and living for what really matters.This month, when you give $35 or more to support the ministry, we'll send it to you as our thanks. Just visit FaithFi.com/wisdom to request your copy.On Today's Program, Rob Answers Listener Questions:A few commercial solar companies have approached us about leasing part of our land for a solar farm. We've got around 40 acres of farmland. I'm trying to understand what pitfalls or risks we should be aware of before moving forward.I recently left my job as a teacher because I felt the Lord calling me to go to seminary. I have about $35,000 in a retirement fund from my teaching years. Should I leave it where it is, or should I use it to pay off my car and some credit card debt?I have a Medicaid-related question. A family member of mine has a terminal illness and needs more care than we can provide. She doesn't have any assets, and we're hoping to get her on Medicaid. If she's approved, who would be responsible for the medical bills?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Wisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.
298 – Do you ever feel like your life is full of unsolved problems?Life seems to be racing along and it's hard to deal with everything when it comes up.This can happen on a personal level, but it happens at work, at school, at church. And just think of all the unsolved problems on a national and international level as well.But the solution is more than just finding a way to get all these problems resolved. Believe it or not, it's more about how you see yourself. Because how you see yourself has a huge influence on how you act, interact and react with other people and situations, and how you resolve problems.In this week's episode we're going to talk about how seeing yourself from a spiritual perspective will help you see your life is not defined by all the unsolved problems in your life.And we'll look at how Jesus didn't just solve someone's accumulated problems. He disposed of them all at once.You can do this too, when you know who you are as the image and likeness of God.Show notes: To read a full transcript of this episode and all the Bible quotes, go to thebiblespeakstoyou.com/298.Text me your questions or comments.Support the showIf you enjoy the podcast, please rate and leave a review on Apple Podcasts or Spotify__________________James Early, the Jesus Mindset Coach, is a Bible teacher, speaker, and podcaster. His focus is on getting back to the original Christianity of Jesus by embracing the mindset of Christ in daily life. Reach out today if you need a speaker or Bible workshop for your church or organization (online and in person) Subscribe to the podcast (and get your copy of Praying with the Mindset of Jesus) Make a donation to support the show Schedule a free one hour coaching call to see if the Jesus Mindset Coaching program is a good fit for you Contact James here
“For everything there is a season, and a time for every matter under heaven…” – Ecclesiastes 3:1God has designed life to unfold in seasons, and with each one comes new challenges, opportunities, and sometimes, new finish lines. Today, Cody Hobelmann joins us to talk about why it's not only okay to adjust your financial finish line—it's often the wise and faithful thing to do.Cody Hobelmann is a Certified Financial Professional (CFP®), a Certified Kingdom Advisor (CKA®), and a Wealth Advisor at Wealth Squared. He and his brother, Kealan, founded the Finish Line Pledge and also co-host the Finish Line Podcast, where they discuss the intersection of faith, generosity, and personal finance.What Is a Financial Finish Line?A financial finish line is simply an answer to the question, How much is enough? It helps us define what we need for our lifestyle so that everything beyond that can be redirected toward building God's Kingdom.There are two kinds of finish lines:Lifestyle (or Spending) Finish Line – The amount needed to fund your personal lifestyle.Accumulation (or Net Worth) Finish Line – The total assets needed to sustain that lifestyle for the rest of your life.These lines aren't rigid—they're tools to help us hold God's money with open hands, growing in both contentment and generosity.However, there's often a lot of pressure to get it exactly right, but what matters more is having a starting point. You'll grow and refine it as your life and faith journey progress.We recommend revisiting your finish line at least annually—or sooner if significant life changes occur, such as a new dependent, a move to a more expensive area, or a shift in health.The Four Buckets of MoneyTo help clients visualize their financial decisions, Cody teaches a simple framework that divides money into four “buckets”:Personal Spending – Covering day-to-day lifestyle costs.Future Planning – Savings and investments for future needs.Taxes – Obligations to the government.Kingdom Giving – Resources designated for generosity.A lifestyle finish line determines what belongs in the first two buckets, freeing the rest for eternal purposes.The Net Worth Finish Line: How Much Is Enough to Save?A net worth finish line is the amount we believe is appropriate to accumulate over a lifetime. The parable deeply informs us of the rich fool in Luke 12—the man who tore down barns to build bigger ones but failed to consider the brevity of life and the weight of eternal priorities.To set a net worth finish line, Cody walks clients through three core considerations:Lifestyle Needs – How much do you need each year?Wealth Transfer Goals – What will you leave to heirs or ministries?Conservative Margin – A buffer for life's unknowns—but not a replacement for trust in God.What Happens When You Cross the Finish Line?If you find yourself exceeding your finish line—accumulating more than necessary—we encourage asking yourself one essential question:“Why am I holding on to these resources in the first place?”God may have given you more not for personal security, but to fund the “good works He prepared in advance for you” (Ephesians 2:10). In that light, generosity becomes more than a response—it becomes a calling.Rather than letting a higher income raise our standard of living, it becomes an opportunity to increase our standard of giving.Not sure where to start? Try setting a finish line for 90 days. Just set a lifestyle finish line for three months and see what you learn.That short-term experiment opens the door to deeper financial freedom, greater contentment, and a stronger sense of purpose.A Finish Line That Leads to WorshipWe also should remember that at the end of the day, it's not just about money—it's about worship. 2 Corinthians 9:8 reminds us:“And God is able to bless you abundantly, so that in all things at all times, having all that you need, you will abound in every good work”To set a financial finish line, we must first recognize that everything belongs to God. It's not about figuring out how much of our money to give to Him—it's about learning to steward His money faithfully.Your finish line isn't a limit—it's an invitation to freedom, joy, and a deeper life of generosity.Want to Learn More?Ready to take the next step? Visit FinishLinePledge.com to access helpful tools, real-life stories, and free resources that will guide you in defining what “enough” looks like in your financial journey.You can also read Cody's full article, “A Spending Finish Line Is Just the Beginning,” in the latest issue of Faithful Steward magazine. To receive the magazine at your doorstep each quarter, become a FaithFi Partner with a monthly gift of $35 or an annual gift of $400. Learn more at FaithFi.com/Give.On Today's Program, Rob Answers Listener Questions:My father-in-law passed away in March. Next week, we have an appointment with Social Security, and we want to ensure we come prepared, along with my mother-in-law, who will turn 65 next year. She wants to take over his Social Security.I heard about a government program that allows you to consolidate your credit card debt and repay it with no interest, but I'm not sure how to access it. My debt is about $25,000.Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)The Finish Line PledgeChristian Credit CounselorsWise Women Managing Money: Expert Advice on Debt, Wealth, Budgeting, and More by Miriam Neff and Valerie Neff Hogan, JD. Wisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.
Connect with Early Riders // Connect with OnrampPresented collaboratively by Early Riders & Onramp Media…Final Settlement is a weekly podcast covering the underlying mechanics of the bitcoin protocol, its ongoing development and funding, and real-world applications of the technology.00:00 - Introduction and Overview of Recent Developments02:48 - Stablecoins and Regulatory Changes06:43 - Market Dynamics and Institutional Trust10:56 - Texas Bitcoin Reserve Legislation14:42 - Custody Solutions and Security Risks20:57 - Technological Revolutions and Market Perception32:14 - Navigating Competition in Crypto Markets33:39 - The Zero-Sum Nature of Bitcoin Trading36:33 - Counterparty Risks and Market Dynamics38:34 - The Role of Institutional Adoption in Bitcoin's Future41:59 - Understanding Bitcoin's Volatility and Market Behavior45:29 - The Future of Money and Digital Assets46:39 - The Impact of Capital Constraints on Business Growth49:36 - Bitcoin as a Conservative Capital Strategy52:06 - Building Sustainable Businesses in a Bitcoin Economy56:43 - Counterparty Risk in Gold and Bitcoin MarketsIf you found this valuable, please subscribe to Early Riders Insights for access to the best content in the ecosystem weekly.Links discussed:https://www.earlyriders.com/open-range/open-range-reserves-rise-hackers-strike-and-futures-coolhttps://www.cnbc.com/2025/06/18/pro-israel-hackers-iran-crypto.htmlhttps://www.reuters.com/world/middle-east/suspected-israeli-hackers-claim-destroy-data-irans-bank-sepah-2025-06-17https://cryptobriefing.com/texas-bitcoin-reserve-lawhttps://www.cnbc.com/2025/06/17/genius-stablecoin-bill-crypto.htmlKeep up with Michael: X and LinkedInKeep up with Brian: X and LinkedInKeep up with Liam: X and LinkedIn
“Your Brain on ChatGPT: Accumulation of Cognitive Debt when Using an AI Assistant for Essay-Writing Task”.
“All his days are full of sorrow, and his work is a vexation. Even in the night his heart does not rest. This also is vanity.” — Ecclesiastes 2:23That verse from Ecclesiastes reveals a painful truth: even a productive life can feel empty when the wrong purpose drives our work. Wealth on its own doesn't bring peace—often, it brings more pressure. But Scripture offers a better way.What's Driving All That Effort?It's easy to admire someone who plans wisely, saves consistently, and builds steadily over time. Our culture praises that kind of discipline as responsible and virtuous—and often, it is. But Ecclesiastes challenges us to ask: What's driving all that effort?In Ecclesiastes 2:18, the Preacher writes, “I hated all my toil... seeing that I must leave it to the man who will come after me.” He isn't condemning hard work—he's grieving that all he's built will one day be handed off, possibly to someone who won't value or steward it well.That's where sorrow begins—not in failure, but in success without peace. “All his days are full of sorrow, and his work is a vexation. Even in the night his heart does not rest” (Ecclesiastes 2:23). The more we accumulate, the more we fear losing it. What promised security only multiplies anxiety.What a striking image—someone lying awake at night, not from failure, but from success. The more he possesses, the more he worries. This is the irony of accumulation: it convinces us that security is just one more achievement away, while quietly making us more anxious the more we gain.Jesus' Warning About Bigger BarnsJesus echoes this same warning in Luke 12. He tells the parable of a rich man who reaped such a bountiful harvest that he decided to build bigger barns to store it all. His conclusion? “Take life easy—eat, drink, and be merry.” To the world, that sounds like winning. But Jesus calls him a fool. Why? Because that very night, his life would be demanded of him. Then comes the haunting question: “The things you have prepared, whose will they be?”What's even more interesting is the context of that parable. Jesus tells it in response to a man asking Him to settle an inheritance dispute. This wasn't someone who earned the wealth—he simply wanted his share, and maybe more. Jesus' warning is clear: a greedy heart isn't the only danger. An entitled heart is just as spiritually destructive. And that's exactly what the Preacher feared in Ecclesiastes—wealth falling into the hands of someone who didn't labor for it and may not know how to handle it wisely.We see this all the time in real life. Many financial advisors and estate planners will tell you that inherited wealth, especially when passed down without spiritual or emotional maturity, can do more harm than good. It can fracture families, distort priorities, and erode purpose. The problem isn't money itself, it's the absence of wisdom alongside it.A Better Definition of SuccessThat's why this lesson matters. You can save well, build wealth, and still feel anxious and unsatisfied—not because you failed, but because you expected your efforts to give you what only God can: peace, joy, and purpose.But here's the good news—Ecclesiastes doesn't leave us in despair. In verse 26, we read, “To the one who pleases Him, God has given wisdom and knowledge and joy.” The solution isn't to stop working or saving. The solution is to stop worshiping our work. Stop defining success by the size of your bank account and start defining it by your faithfulness to the One who owns it all.When we live as stewards instead of owners, the pressure lifts. We begin to see wealth not as a prize to secure our future, but as a tool to serve God's Kingdom. Accumulation loses its grip, and generosity takes root. That's when real joy begins.So, ask yourself today: Am I building bigger barns, or am I faithfully stewarding what God has already entrusted to me? Am I chasing peace through my possessions, or receiving it from the Prince of Peace Himself?Because in the end, peace doesn't come from what we've earned. It comes from who we trust.A Resource to Go Deeper: Wisdom Over WealthNow, if you're wrestling with these questions, we'd love to help. That's why we're excited to offer our brand-new Bible study based on Ecclesiastes called Wisdom Over Wealth. It dives deeper into this theme of dethroning the idol of accumulation and learning to live with contentment and purpose.This month, when you support the ministry of FaithFi with a gift of $35 or more, we'll send you Wisdom Over Wealth as our way of saying thank you. Just head over to FaithFi.com/wisdom to request your copy.On Today's Program, Rob Answers Listener Questions:I bought a house a year ago, and my primary goal is to pay off the mortgage as quickly as possible. I'm wondering if I should pause my 15% retirement contributions to accelerate my debt payoff goal or continue contributing to retirement while also working towards being debt-free.I want to understand the right markup for my business. I'm an electrician. What would be a reasonable general number for a company like mine to ensure I'm covering my costs and generating a profit?I opened a Roth IRA because I don't have to make required minimum distributions. When my children inherit my Roth IRA, do they have to make withdrawals? I want to understand the inheritance.I'm wondering about the $8,000 maximum Roth IRA contributions for those over 50. Is the $150,000 income limit based on my income alone or my combined income with my wife?I'm considering retiring at 65 even though my full Social Security retirement age is 67. If I live off my 401(k) for 2 years and don't register for Social Security, will my benefits continue to grow?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Movement MortgageSocial Security Administration (SSA.gov)Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.
That book of Ecclesiastes reveals a painful truth: even a productive life can feel empty when our work is driven by the wrong purpose. Wealth on its own doesn’t bring peace—often, it brings more pressure. On today's Faith & Finance Live, Rob West will share another lesson from the Preacher in Ecclesiastes about how to avoid the idol of accumulation. Then he’ll tackle your financial questions. Faith & Finance Live is a listener supported program on Moody Radio. To join our team of supporters, click here.To support the ministry of FaithFi, click here.To learn more about Rob West, click here.To learn more about Faith & Finance Live, click here.See omnystudio.com/listener for privacy information.
45 years in business. Working with clients aged 55-75, approaching & in retirement. Retirement plans & Medicare coverages.Learn more: http://www.retirewithbam.com/Investment advisory services offered through Tucker Asset Management LLC, an SEC Registered Investment Advisor. Barr Asset Management and Tucker Asset Management are unaffiliated entities.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-dave-barr-founder-of-barr-asset-management-discussing-transitioning-from-accumulation-to-income-generation
45 years in business. Working with clients aged 55-75, approaching & in retirement. Retirement plans & Medicare coverages.Learn more: http://www.retirewithbam.com/Investment advisory services offered through Tucker Asset Management LLC, an SEC Registered Investment Advisor. Barr Asset Management and Tucker Asset Management are unaffiliated entities.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-dave-barr-founder-of-barr-asset-management-discussing-transitioning-from-accumulation-to-income-generation
Jan Overwijk discusses critical systems theory, sociologies of closure and openness, and cybernetic capitalism. Shownotes Jan Overwijk at the Frankfurt University Institute for Social Research: https://www.ifs.uni-frankfurt.de/personendetails/jan-overwijk.html Jan at the University of Humanistic Studies Utrecht: https://www.uvh.nl/university-of-humanistic-studies/contact/search-employees?person=jimxneoBsHowOfbPivN Overwijk, J. (2025). Cybernetic Capitalism. A Critical Theory of the Incommunicable. Fordham University Press. https://www.fordhampress.com/9781531508937/cybernetic-capitalism/ on the website of the distributor outside of North America you can order the book with a 30% discount with the code “FFF24”: https://www.combinedacademic.co.uk/9781531508937/cybernetic-capitalism/ on Niklas Luhmann: https://en.wikipedia.org/wiki/Niklas_Luhmann Baraldi, C., Corsi, G., & Esposito, E. (2021). Unlocking Luhmann. A Keyword Introduction to Systems Theory. transcript. https://www.transcript-verlag.de/978-3-8376-5674-9/unlocking-luhmann/ Fischer-Lescano, A. (2011). Critical Systems Theory. Philosophy & Social Criticism, 38(1), 3–23. https://journals.sagepub.com/doi/10.1177/0191453711421600 Möller, K., & Siri, J. (2023). Niklas Luhmann and Critical Systems Theory. In: R. Rogowski (Ed.), The Anthem Companion to Niklas Luhmann (pp. 141–154). https://www.cambridge.org/core/books/abs/anthem-companion-to-niklas-luhmann/niklas-luhmann-and-critical-systems-theory/982BC5427E171D2BA0D14364377A40F5 on Critical Theory: https://en.wikipedia.org/wiki/Critical_theory on Cybernetics: https://en.wikipedia.org/wiki/Cybernetics Future Histories explanation video on cybernetics (in German): https://youtu.be/QBKC9mM8-so?si=64v0OgBKV3xjXvLl on Humberto Matuarana: https://en.wikipedia.org/wiki/Humberto_Maturana on Francisco Varela: https://en.wikipedia.org/wiki/Francisco_Varela Maturana, H. R., & Varela, F. J. (1992). Tree of Knowledge: The Biological Roots of Human Understanding. Shambhala. https://uranos.ch/research/references/Maturana1988/maturana-h-1987-tree-of-knowledge-bkmrk.pdf on Ferdinand de Saussure: https://en.wikipedia.org/wiki/Ferdinand_de_Saussure on Post-Structuralism: https://en.wikipedia.org/wiki/Post-structuralism on the differentiation of society into subsystems: https://en.wikipedia.org/wiki/Differentiation_(sociology) on Jaques Derrida: https://en.wikipedia.org/wiki/Jacques_Derrida Bob Jessop on Luhmann and the concept of “ecological dominance”: https://www.researchgate.net/publication/318543419_The_relevance_of_Luhmann%27s_systems_theory_and_of_Laclau_and_Mouffe%27s_discourse_analysis_to_the_elaboration_of_Marx%27s_state_theory Jessop, B. (2010). From Hegemony to Crisis? The Continuing Ecological Dominance of Neoliberalism. In: K. Birch & V. Mykhnenko (Eds.). Rise and Fall of Neoliberalism: The Collapse of an Economic Order? (pp. 171–187). Zed Books. https://www.researchgate.net/publication/318524063_The_continuing_ecological_dominance_of_neoliberalism_in_the_crisis on Surplus Value in Marx and Marxism: https://en.wikipedia.org/wiki/Surplus_value on Louis Althusser: https://en.wikipedia.org/wiki/Louis_Althusser Althusser, L. (2014). On the Reproduction of Capitalism: Ideology and Ideological State Apparatuses. Verso. https://legalform.blog/wp-content/uploads/2017/11/althusser-on-the-reproduction-of-capitalism.pdf on Stuart Hall: https://en.wikipedia.org/wiki/Stuart_Hall_(cultural_theorist) on Capital Strikes: https://en.wikipedia.org/wiki/Capital_strike on the concept of “rationalization” in sociology: https://en.wikipedia.org/wiki/Rationalization_(sociology) on Max Weber: https://en.wikipedia.org/wiki/Max_Weber Weber, M. (2005). The Protestant Ethic and the Spirit of Capitalism. Routledge. https://gpde.direito.ufmg.br/wp-content/uploads/2019/03/MAX-WEBER.pdf Zuboff, S. (2019). The Age of Surveillance Capitalism: The Fight for a Human Future at the New Frontier of Power. Profile Books. https://profilebooks.com/work/the-age-of-surveillance-capitalism/ on Surveillance Capitalism: https://en.wikipedia.org/wiki/Surveillance_capitalism on Herbert Marcuse: https://en.wikipedia.org/wiki/Herbert_Marcuse Marcuse, H. (2002). One-Dimensional Man. Studies in the Ideology of Advanced Industrial Society. Routledge. https://files.libcom.org/files/Marcuse,%20H%20-%20One-Dimensional%20Man,%202nd%20edn.%20(Routledge,%202002).pdf on Jürgen Habermas: https://en.wikipedia.org/wiki/J%C3%BCrgen_Habermas on Jean-François Lyotard: https://en.wikipedia.org/wiki/Jean-Fran%C3%A7ois_Lyotard Lyotard, J.-F. (1988). The Differend. Phrases in Dispute. University of Minnesota Press. https://www.upress.umn.edu/9780816616114/differend/ on Thermodynamics: https://en.wikipedia.org/wiki/Thermodynamics on the Technocracy Movement: https://en.wikipedia.org/wiki/Technocracy_movement Bauman, Z. (2000). Liquid Modernity. Polity. https://giuseppecapograssi.wordpress.com/wp-content/uploads/2014/01/bauman-liquid-modernity.pdf on New Materialism: https://en.wikipedia.org/wiki/New_materialism on Gilles Deleuze: https://en.wikipedia.org/wiki/Gilles_Deleuze on Bruno Latour: https://en.wikipedia.org/wiki/Bruno_Latour on Donna Haraway: https://en.wikipedia.org/wiki/Donna_Haraway for criticisms of new materialism and associated tendencies and authors: Malm, A. (2018). The Progress of this Storm. Nature and Society in a Warming World. Verso. https://www.versobooks.com/products/574-the-progress-of-this-storm Brown, W. (2019). In the Ruins of Neoliberalism: The Rise of Antidemocratic Politics in the West. Columbia University Press. https://www.social-ecology.org/wp/wp-content/uploads/2023/05/The-Wellek-Library-Lectures-Wendy-Brown-In-the-Ruins-of-Neoliberalism_-The-Rise-of-Antidemocratic-Politics-in-the-West-Columbia-University-Press-2019.pdf Hendrikse, R. (2018). Neo-illiberalism. Geoforum, 95, 169–172. https://www.sciencedirect.com/science/article/abs/pii/S0016718518302057 on N. Katherine Hayles: https://en.wikipedia.org/wiki/N._Katherine_Hayles Deleuze, G. (1992). Postscript on the Societies of Control. October. Vol. 59. (Winter 1992), 3-7. https://cidadeinseguranca.wordpress.com/wp-content/uploads/2012/02/deleuze_control.pdf Brenner, R., Glick, M. (1991). The Regulation Approach. Theory and History. New Left Review. 1/188. https://newleftreview.org/issues/i188/articles/robert-brenner-mark-glick-the-regulation-approach-theory-and-history.pdf on the “Regulation School”: https://en.wikipedia.org/wiki/Regulation_school Chiapello, E., & Boltanski, L. (2018). The New Spirit of Capitalism. Verso. https://www.versobooks.com/products/1980-the-new-spirit-of-capitalism Hardt, M., & Negri, A. (2000). Empire. Harvard University Press. https://monoskop.org/images/9/95/Hardt_Michael_Negri_Antonio_Empire.pdf on the Tierra Artificial Life Program: https://en.wikipedia.org/wiki/Tierra_(computer_simulation) on Gilbert Simondon: https://en.wikipedia.org/wiki/Gilbert_Simondon on Karen Barad: https://en.wikipedia.org/wiki/Karen_Barad on Post-Fordism: https://en.wikipedia.org/wiki/Post-Fordism on Taylorism: https://en.wikipedia.org/wiki/Scientific_management Srnicek, N. (2017). Platform Capitalism. Polity. https://www.politybooks.com/bookdetail?book_slug=platform-capitalism--9781509504862 Hayek, F. A. (2014). The Constitution of Liberty. Routledge. https://ia600805.us.archive.org/35/items/TheConstitutionOfLiberty/The%20Constitution%20of%20Liberty.pdf van Dyk, S. (2018). Post-Wage Politics and the Rise of Community Capitalism. Work, Employment and Society, 32(3), 528–545. https://journals.sagepub.com/doi/10.1177/0950017018755663 on Rosa Luxemburg: https://en.wikipedia.org/wiki/Rosa_Luxemburg on Luxemburg's thought on imperialism: https://www.rosalux.de/en/news/id/44096/rosa-luxemburgs-heterodox-view-of-the-global-south Fraser, N. (2022). Cannibal Capitalism. How our System is Devouring Democracy, Care, and the Planet and What We Can Do About It. Verso. https://www.versobooks.com/products/2685-cannibal-capitalism on Mariarosa Dalla Costa: https://en.wikipedia.org/wiki/Mariarosa_Dalla_Costa on the “Wages for Housework” Campaign: https://en.wikipedia.org/wiki/Wages_for_Housework Moore, J. W. (2015). Capitalism in the Web of Life: Ecology and the Accumulation of Capital. Verso. https://www.versobooks.com/products/74-capitalism-in-the-web-of-life on Stafford Beer: https://en.wikipedia.org/wiki/Stafford_Beer Pickering, A. (2010). The Cybernetic Brain: Sketches of Another Future. University of Chicago Press. https://press.uchicago.edu/ucp/books/book/chicago/C/bo8169881.html Foucualt's quote on socialist governmentality is from this book: Foucault, M. (2008). The Birth of Biopolitics: Lectures at the Collège de France, 1978-1979. Palgrave Macmillan. https://1000littlehammers.wordpress.com/wp-content/uploads/2010/02/birth_of_biopolitics.pdf Groos, J. (2025). Planning as an Art of Government. In: J. Groos & C. Sorg (Eds.). Creative Construction. Democratic Planning in the 21st Century and Beyond (pp. 115-132). Bristol University Press. https://bristoluniversitypress.co.uk/creative-construction Future Histories Episodes on Related Topics S03E30 | Matt Huber & Kohei Saito on Growth, Progress and Left Imaginaries https://futurehistories-international.com/episodes/s03/e30-matt-huber-kohei-saito-on-growth-progress-and-left-imaginaries/ S03E29 | Nancy Fraser on Alternatives to Capitalism https://futurehistories-international.com/episodes/s03/e29-nancy-fraser-on-alternatives-to-capitalism/ S03E19 | Wendy Brown on Socialist Governmentality https://futurehistories-international.com/episodes/s03/e19-wendy-brown-on-socialist-governmentality/ S03E04 | Tim Platenkamp on Republican Socialism, General Planning and Parametric Control https://futurehistories-international.com/episodes/s03/e04-tim-platenkamp-on-republican-socialism-general-planning-and-parametric-control/ S03E03 | Planning for Entropy on Sociometabolic Planning https://futurehistories-international.com/episodes/s03/e03-planning-for-entropy-on-sociometabolic-planning/ S02E31 | Thomas Swann on Anarchist Cybernetics https://futurehistories-international.com/episodes/s02/e31-thomas-swann-on-anarchist-cybernetics/ --- If you are interested in democratic economic planning, these resources might be of help: Democratic planning – an information website https://www.democratic-planning.com/ Sorg, C. & Groos, J. (eds.)(2025). Rethinking Economic Planning. Competition & Change Special Issue Volume 29 Issue 1. https://journals.sagepub.com/toc/ccha/29/1 Groos, J. & Sorg, C. (2025). Creative Construction - Democratic Planning in the 21st Century and Beyond. Bristol University Press. [for a review copy, please contact: amber.lanfranchi[at]bristol.ac.uk] https://bristoluniversitypress.co.uk/creative-construction International Network for Democratic Economic Planning https://www.indep.network/ Democratic Planning Research Platform: https://www.planningresearch.net/ --- Future Histories Contact & Support If you like Future Histories, please consider supporting us on Patreon: https://www.patreon.com/join/FutureHistories Contact: office@futurehistories.today Twitter: https://twitter.com/FutureHpodcast Instagram: https://www.instagram.com/futurehpodcast/ Mastodon: https://mstdn.social/@FutureHistories English webpage: https://futurehistories-international.com Episode Keywords #JanOverwijk, #JanGroos, #Interview, #FutureHistories, #FutureHistoriesInternational, #futurehistoriesinternational, #NiklasLuhmann, #FrankfurtSchool, #CriticalTheory, #SystemsTheory, #Sociology, #MaxWeber, #Economy, #Capitalism, #CapitalistState, #Cybernetics, #Rationalization, #PoliticalEconomy, #DemocraticPlanning, #DemocraticEconomicPlanning, #Governmentality, #Ecology, #NewMaterialism, #Posthumanism, #CyberneticCapitalism, #Totality
In this episode we answer emails from I Have No Name, Deep and Joel. We discuss the extraordinary generosity of our listeners and how it uplifts the workers in the FMC trenches, rebalancing in accumulation, tax considerations for an intermediate term portfolio, saving for college, and what to do with new money just a few years from retirement.And THEN we our go through our weekly portfolio reviews of the eight sample portfolios you can find at Portfolios | Risk Parity Radio.To donate to the Top of the T-Shirt campaign and double your fun, please visit the Father McKenna Center donation page and note "Risk Parity Radio Match" when making your contribution.Additional Links:Father McKenna Center Donation Page: Donate - Father McKenna CenterFMC Instagram Page: The Father McKenna Center (@thefathermckennacenter) • Instagram photos and videosFMC Facebook Page: The Father McKenna Center | Washington D.C. DC | FacebookBreathless Unedited AI-Bot Summary:Charitable giving and strategic investing merge powerfully in this week's episode as we celebrate remarkable fundraising success and tackle sophisticated portfolio questions. What began as a modest matching campaign for the Father McKenna Center has exploded into something extraordinary—over $22,000 raised in just two weeks, including a single $15,000 anonymous donation that left me nearly speechless. The genuine impact of this community's generosity on homeless and hungry individuals in DC cannot be overstated.Diving into listener questions, we explore the nuances of portfolio construction across different life stages. For physicians in their accumulation phase, we distinguish between large cap growth and large cap value when paired with small cap value, revealing how Shannon's Demon effect operates during dollar-cost averaging. The discussion expands into tax-efficient risk parity strategies for high-income earners, offering practical guidance on minimizing taxable events while maximizing returns.Parents of newborns will appreciate our deep dive into college savings strategies, including the optimal 50-50 large cap growth and small cap value approach that investment educator Paul Merriman and I both recommend. I share tactical insights on 529 plans versus brokerage accounts, suggesting that funding 529 plans earlier in a child's life maximizes tax advantages before transitioning to additional savings vehicles.For those approaching retirement, we address the critical transition from accumulation to decumulation portfolios, emphasizing that your financial independence number—not market predictions—should drive allocation decisions. The episode concludes with our weekly review of eight sample portfolios, highlighting performance across conservative, balanced, and experimental approaches.Follow the Father McKenna Center on social media to witness the direct impact of your donations, and consider contributing to our ongoing "Top of the T-shirt" campaign through July. Your support transforms lives while you transform your investment approach.Support the show
Investor Fuel Real Estate Investing Mastermind - Audio Version
In this conversation, Stephen S. interviews Jon Schoeller, a seasoned real estate entrepreneur, who shares his journey from flipping houses to understanding the nuances of hard money and private money lending. Jon emphasizes the importance of patience in wealth building, the distinction between being rich and wealthy, and the necessity of financial preparedness before venturing into real estate investments. He also discusses the significance of leveraging other people's money while ensuring one has access to their own funds for security. In this conversation, Jon Schoeller discusses the importance of financial responsibility in real estate investing, emphasizing the need to be prepared for losses and the significance of having access to capital. He contrasts wealth accumulation with wealth preservation, explaining how different investors have varying needs. Jon highlights the power of networking and being part of a community to accelerate learning and success in real estate. He shares insights on the importance of education, accountability, and the value of surrounding oneself with like-minded individuals to achieve financial goals. Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind: Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply Investor Machine Marketing Partnership: Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true ‘white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com Coaching with Mike Hambright: Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a “mini-mastermind” with Mike and his private clients on an upcoming “Retreat”, either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas “Big H Ranch”? Learn more here: http://www.investorfuel.com/retreat Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform! Register here: https://myinvestorinsurance.com/ New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club —--------------------
Crypto News: Blackrock continues to buy huge amounts of Bitcoin for its ETF IBIT. Ethereum traders targeting $6K price. XRP futures day one beats solana's on CME.Show Sponsor -
Welcome to episode 100! Today, we will be discussing Rejection Sensitivity Dysphoria—its prevalence among neurodivergent individuals and how it has manifested in my own experience as an autistic person. Often, it is the accumulation of seemingly minor rejections that leads to burnout, particularly when navigating ambiguous social norms and the challenge of belonging. If you can relate to this experience, know that you are not alone. In this episode, we will explore the importance of self-compassion, emotional safety, and strategies for cultivating a more fulfilling and joyful life. Let's dive in. In this episode: What is Rejection Sensitivity Dysphoria (RSD). Accumulation over time – how small, seemingly insignificant experiences of rejection can build, eventually leading to overwhelm or even burnout. The struggle to belong – how navigating unclear social rules and fear of making mistakes can intensify RSD, making participation in diverse communities particularly challenging. Mentioned in this episode: The NoBS Blend recording ‘Why rejection is so hard' The Happier Life Hub is now OPEN!! Use the coupon code EARLYBIRD on check-out to access The Hub for just £12 per month! https://happier-life.co.uk/hub Season 5 of this podcast is sponsored by Stephanie Ward of The Spicy Brain Collective. We thank Stephanie hugely for her ongoing support. https://www.thespicybraincollective.com https://www.instagram.com/thespicybraincollective https://www.linkedin.com/in/stephanie-ward-sbc Remember to hit SUBSCRIBE or FOLLOW so you don't miss any new episodes; subscribe to my mailing list and connect with me over on Instagram @happierlifecoach If you would like to know more about how coaching works or to work with me 1-2-1, please visit https://happier-life.co.uk/ For more tips and to be part of the community, sign up to The No Bullshit Guide To A Happier Life Facebook Group now! Have you got a copy of the The No Bullsh*t Guide to a Happier Life book? Follow this link to purchase yours now!
New from Sober and Unashamed: “Accumulation” Maybe you are unaware of our hundreds of essays on alcoholism, recovery, sex and intimacy, underlying issues, growth and progress. Or maybe you love to read, but just don't seem to find the time. We hope you'll listen to our latest written offering titled: “Accumulation” To read this and much more, check out or Sober and Unashamed Blog.
With rigorous attention to history and empire, Maïa Pal's Jurisdictional Accumulation: An Early Modern History of Law, Empires, and Capital (Cambridge UP, 2020) is a unique analysis of imperial expansion. Through an analysis of ambassadors and consuls in the Mediterranean—and attention to Castilian, French, Dutch, and British empires—Pal's multifaceted conceptualization of jurisdictional analysis gathers together law and capital in the early modern period. A compelling application of political Marxist frameworks, Jurisdictional Accumulation is a multidisciplinary approach to thinking through extraterritoriality and its implications. Through archival work, theorization, and legal analyses, Pal offers us a novel way to better understand the links between capital, law, and imperial authority. Dr. Maïa Pal is a Senior Lecturer in International Relations at Oxford Brookes University. Her research brings together international relations theory, international political economy, and histories of international law, and focuses on early modern overseas consuls, imperialism, and empire.Rine Vieth is an FRQSC Postdoctoral Fellow at Université Laval. Interested in how people experience state legal regimes, their research centres around questions of law, migration, gender, and religion. Learn more about your ad choices. Visit megaphone.fm/adchoices
With rigorous attention to history and empire, Maïa Pal's Jurisdictional Accumulation: An Early Modern History of Law, Empires, and Capital (Cambridge UP, 2020) is a unique analysis of imperial expansion. Through an analysis of ambassadors and consuls in the Mediterranean—and attention to Castilian, French, Dutch, and British empires—Pal's multifaceted conceptualization of jurisdictional analysis gathers together law and capital in the early modern period. A compelling application of political Marxist frameworks, Jurisdictional Accumulation is a multidisciplinary approach to thinking through extraterritoriality and its implications. Through archival work, theorization, and legal analyses, Pal offers us a novel way to better understand the links between capital, law, and imperial authority. Dr. Maïa Pal is a Senior Lecturer in International Relations at Oxford Brookes University. Her research brings together international relations theory, international political economy, and histories of international law, and focuses on early modern overseas consuls, imperialism, and empire.Rine Vieth is an FRQSC Postdoctoral Fellow at Université Laval. Interested in how people experience state legal regimes, their research centres around questions of law, migration, gender, and religion. Learn more about your ad choices. Visit megaphone.fm/adchoices
With rigorous attention to history and empire, Maïa Pal's Jurisdictional Accumulation: An Early Modern History of Law, Empires, and Capital (Cambridge UP, 2020) is a unique analysis of imperial expansion. Through an analysis of ambassadors and consuls in the Mediterranean—and attention to Castilian, French, Dutch, and British empires—Pal's multifaceted conceptualization of jurisdictional analysis gathers together law and capital in the early modern period. A compelling application of political Marxist frameworks, Jurisdictional Accumulation is a multidisciplinary approach to thinking through extraterritoriality and its implications. Through archival work, theorization, and legal analyses, Pal offers us a novel way to better understand the links between capital, law, and imperial authority. Dr. Maïa Pal is a Senior Lecturer in International Relations at Oxford Brookes University. Her research brings together international relations theory, international political economy, and histories of international law, and focuses on early modern overseas consuls, imperialism, and empire.Rine Vieth is an FRQSC Postdoctoral Fellow at Université Laval. Interested in how people experience state legal regimes, their research centres around questions of law, migration, gender, and religion. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/world-affairs
With rigorous attention to history and empire, Maïa Pal's Jurisdictional Accumulation: An Early Modern History of Law, Empires, and Capital (Cambridge UP, 2020) is a unique analysis of imperial expansion. Through an analysis of ambassadors and consuls in the Mediterranean—and attention to Castilian, French, Dutch, and British empires—Pal's multifaceted conceptualization of jurisdictional analysis gathers together law and capital in the early modern period. A compelling application of political Marxist frameworks, Jurisdictional Accumulation is a multidisciplinary approach to thinking through extraterritoriality and its implications. Through archival work, theorization, and legal analyses, Pal offers us a novel way to better understand the links between capital, law, and imperial authority. Dr. Maïa Pal is a Senior Lecturer in International Relations at Oxford Brookes University. Her research brings together international relations theory, international political economy, and histories of international law, and focuses on early modern overseas consuls, imperialism, and empire.Rine Vieth is an FRQSC Postdoctoral Fellow at Université Laval. Interested in how people experience state legal regimes, their research centres around questions of law, migration, gender, and religion. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/critical-theory
With rigorous attention to history and empire, Maïa Pal's Jurisdictional Accumulation: An Early Modern History of Law, Empires, and Capital (Cambridge UP, 2020) is a unique analysis of imperial expansion. Through an analysis of ambassadors and consuls in the Mediterranean—and attention to Castilian, French, Dutch, and British empires—Pal's multifaceted conceptualization of jurisdictional analysis gathers together law and capital in the early modern period. A compelling application of political Marxist frameworks, Jurisdictional Accumulation is a multidisciplinary approach to thinking through extraterritoriality and its implications. Through archival work, theorization, and legal analyses, Pal offers us a novel way to better understand the links between capital, law, and imperial authority. Dr. Maïa Pal is a Senior Lecturer in International Relations at Oxford Brookes University. Her research brings together international relations theory, international political economy, and histories of international law, and focuses on early modern overseas consuls, imperialism, and empire.Rine Vieth is an FRQSC Postdoctoral Fellow at Université Laval. Interested in how people experience state legal regimes, their research centres around questions of law, migration, gender, and religion. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/new-books-network
With rigorous attention to history and empire, Maïa Pal's Jurisdictional Accumulation: An Early Modern History of Law, Empires, and Capital (Cambridge UP, 2020) is a unique analysis of imperial expansion. Through an analysis of ambassadors and consuls in the Mediterranean—and attention to Castilian, French, Dutch, and British empires—Pal's multifaceted conceptualization of jurisdictional analysis gathers together law and capital in the early modern period. A compelling application of political Marxist frameworks, Jurisdictional Accumulation is a multidisciplinary approach to thinking through extraterritoriality and its implications. Through archival work, theorization, and legal analyses, Pal offers us a novel way to better understand the links between capital, law, and imperial authority. Dr. Maïa Pal is a Senior Lecturer in International Relations at Oxford Brookes University. Her research brings together international relations theory, international political economy, and histories of international law, and focuses on early modern overseas consuls, imperialism, and empire.Rine Vieth is an FRQSC Postdoctoral Fellow at Université Laval. Interested in how people experience state legal regimes, their research centres around questions of law, migration, gender, and religion. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/law
With rigorous attention to history and empire, Maïa Pal's Jurisdictional Accumulation: An Early Modern History of Law, Empires, and Capital (Cambridge UP, 2020) is a unique analysis of imperial expansion. Through an analysis of ambassadors and consuls in the Mediterranean—and attention to Castilian, French, Dutch, and British empires—Pal's multifaceted conceptualization of jurisdictional analysis gathers together law and capital in the early modern period. A compelling application of political Marxist frameworks, Jurisdictional Accumulation is a multidisciplinary approach to thinking through extraterritoriality and its implications. Through archival work, theorization, and legal analyses, Pal offers us a novel way to better understand the links between capital, law, and imperial authority. Dr. Maïa Pal is a Senior Lecturer in International Relations at Oxford Brookes University. Her research brings together international relations theory, international political economy, and histories of international law, and focuses on early modern overseas consuls, imperialism, and empire.Rine Vieth is an FRQSC Postdoctoral Fellow at Université Laval. Interested in how people experience state legal regimes, their research centres around questions of law, migration, gender, and religion.
While some idiots accuse Satanists of being "Nazi fascists, other idiots even accuse Satanists of being "Talmudic Jews". This episode picks up where the previous episode left off, with a further examine of these absurdities as well as a look at "The Fascism Question". Support Satansplain: https://satansplain.locals.com/support 00:00 - Intro 01:00 - Recap 05:50 - "Zionist gunrunner"? 14:26 - Accumulation of personal experiences 17:12 - Is it that black and white? 23:31 - THE FASCISM QUESTION (Magus Peter H. Gilmore, 2007) 28:32 - Enter the COS 33:32 - Fascism and Statism 37:03 - The State 45:20 - We don't ask for much
Are you tired of decluttering your home only to find it filled with stuff again months later? In this enlightening conversation with Dr. Christine Koh, host of the Edit Your Life Show, we chat about the psychology behind our attachment to possessions and discover practical strategies to break the "re-cluttering" cycle for good. Christine shares her transformative mantra that changed how she approaches consumption and reveals the surprisingly simple Sunday habit that keeps her home clutter-free. Whether you're downsizing, organizing, or simply seeking to live more intentionally, this episode offers refreshing wisdom for creating a space that truly supports your life. Click here to learn more about Dr. Christine Koh, Phd: www.christinekoh.com Click here to listen to her show: Edit Your Life
Major developments are unfolding as nation-states quietly accumulate Bitcoin, signaling a massive shift in global financial strategy. With whispers of sovereign buying and geopolitical tension mounting, are we about to witness Bitcoin's surge past $200,000? ➡️ Unlock 13,000 USDT Trading Rewards! https://www.lbank.com/activity/futurestournament/DiscoverCrypto?icode=4M7MZ ➡️ Arculus - https://www.getarculus.com/products/arculus-cold-storage-wallet ●▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬● ➡️ Follow on X - https://x.com/DiscoCryptoLive ➡️ Join Telegram - https://t.me/+vS5uDtG57XpjNDA1 ●▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬● All of our videos are strictly personal opinions. Please make sure to do your own research. Never take one person's opinion for financial guidance. There are multiple strategies and not all strategies fit all people. Our videos ARE NOT financial advice. Our videos are sponsored & include affiliate content. Digital Assets are highly volatile and carry a considerable amount of risk. Only use exchanges for trading digital assets. We never keep our entire portfolio on an exchange. #bitcoin #crypto
Eric E. Liriano, CFP®, is the Principal and Founder of Liriano Wealth Advisory Group, LLC, with over 25 years of experience in the financial planning industry. A graduate of Boston College with a degree in Business Marketing and Communications, Mr. Liriano employs a distinctive macroeconomic approach to wealth accumulation and preservation.He serves a diverse clientele, including business owners, executives, affluent families, and professionals in academia. As a sought-after speaker, he frequently leads financial planning seminars for employees of major corporations, healthcare organizations, and educational institutions.His areas of expertise include estate planning, insurance, investment strategies, employee and executive benefits, and retirement planning. Through comprehensive financial guidance, he helps individuals and businesses secure their financial futures with confidence.Learn more: http://www.lirianowealthadvisory.com/Phone: 617-969-2933Check the background of your financial professional on FINRA's Broker Check.https://brokercheck.finra.org/individual/summary/1905998The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. Some of this material was developed and produced by FMG Suite to provide information on a topic that may be of interest. FMG Suite is not affiliated with the named representative, broker – dealer, state – or SEC – registered investment advisory firm. The opinions expressed and material provided are for general information and should not be considered a solicitation for the purchase or sale of any security.Investment advisory services offered through Liriano Wealth Advisory Group LLC., an SEC Registered Investment Adviser* located in Newton, MA and its representatives are in compliance with the current registration and notice filing requirements imposed upon SEC registered investment advisers by those states in which Liriano Wealth Advisory Group LLC maintains clients. Liriano Wealth Advisory Group LLC may only transact business in those states in which it is notice filed or qualifies for an exemption or exclusion from notice filing requirements. Liriano Wealth Advisory Group LLC's website is limited to the disseminations of general information regarding its investment advisory services to United States residents residing in states where providing such information in not prohibited by applicable law.The Living Balance Sheet® (LBS) and the LBS Logo are registered service marks of Guardian. © 2005-2023 The Guardian Life Insurance Company of America.Online Terms & Conditions – https://static.fmgsuite.com/media/documents/b73e8f1c-12a6-4dc0-ac5e-b6bb81e5bea3.pdfOnline Privacy Policy – https://static.fmgsuite.com/media/documents/36a04efa-7d6f-4790-89b6-9cbc6de8d003.pdfImportant Disclosures – http://www.guardianlife.com/Disclosures/index.htmCalifornia Insurance ID # OC63111.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-eric-liriano-cfp-principal-and-founder-of-liriano-wealth-advisory-group-moving-from-accumulation-to-distribution-phases-in-planning-for-retirement
Eric E. Liriano, CFP®, is the Principal and Founder of Liriano Wealth Advisory Group, LLC, with over 25 years of experience in the financial planning industry. A graduate of Boston College with a degree in Business Marketing and Communications, Mr. Liriano employs a distinctive macroeconomic approach to wealth accumulation and preservation.He serves a diverse clientele, including business owners, executives, affluent families, and professionals in academia. As a sought-after speaker, he frequently leads financial planning seminars for employees of major corporations, healthcare organizations, and educational institutions.His areas of expertise include estate planning, insurance, investment strategies, employee and executive benefits, and retirement planning. Through comprehensive financial guidance, he helps individuals and businesses secure their financial futures with confidence.Learn more: http://www.lirianowealthadvisory.com/Phone: 617-969-2933Check the background of your financial professional on FINRA's Broker Check.https://brokercheck.finra.org/individual/summary/1905998The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. Some of this material was developed and produced by FMG Suite to provide information on a topic that may be of interest. FMG Suite is not affiliated with the named representative, broker – dealer, state – or SEC – registered investment advisory firm. The opinions expressed and material provided are for general information and should not be considered a solicitation for the purchase or sale of any security.Investment advisory services offered through Liriano Wealth Advisory Group LLC., an SEC Registered Investment Adviser* located in Newton, MA and its representatives are in compliance with the current registration and notice filing requirements imposed upon SEC registered investment advisers by those states in which Liriano Wealth Advisory Group LLC maintains clients. Liriano Wealth Advisory Group LLC may only transact business in those states in which it is notice filed or qualifies for an exemption or exclusion from notice filing requirements. Liriano Wealth Advisory Group LLC's website is limited to the disseminations of general information regarding its investment advisory services to United States residents residing in states where providing such information in not prohibited by applicable law.The Living Balance Sheet® (LBS) and the LBS Logo are registered service marks of Guardian. © 2005-2023 The Guardian Life Insurance Company of America.Online Terms & Conditions – https://static.fmgsuite.com/media/documents/b73e8f1c-12a6-4dc0-ac5e-b6bb81e5bea3.pdfOnline Privacy Policy – https://static.fmgsuite.com/media/documents/36a04efa-7d6f-4790-89b6-9cbc6de8d003.pdfImportant Disclosures – http://www.guardianlife.com/Disclosures/index.htmCalifornia Insurance ID # OC63111.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-eric-liriano-cfp-principal-and-founder-of-liriano-wealth-advisory-group-moving-from-accumulation-to-distribution-phases-in-planning-for-retirement
In this episode we answer emails from El Yama, Graham, and James. We discuss using risk parity-style portfolios for intermediate term needs, the short-term bond allocation in the Golden Butterfly, accounting for child credit, rising equity glidepaths, the fundamental differences between 100% stock portfolios and diversified portfolios and why you want the latter for retirement unless your goal is to die with the most money, and a CAPE ratio critique from Meb Faber's podcast.And THEN we our go through our weekly portfolio reviews of the eight sample portfolios you can find at Portfolios | Risk Parity Radio.Additional links:Kitces Article re Rising Glidepaths: The Benefits Of A Rising Equity Glidepath In RetirementKitces/Pfau Paper re Rising Glidepaths: Reducing Retirement Risk with a Rising Equity Glide-Path by Wade D. Pfau, Michael Kitces :: SSRNMeb Faber Podcast with Brian Jacobs discussing problems with CAPE ratio predictions: A Century of No Return! The Truth About The Beloved Bonds (Brian Jacobs of Aptus Reveals)Breathless Unedited AI-Bot Summary:"A foolish consistency is the hobgoblin of little minds," begins this thought-provoking exploration of why most investors are trapped in accumulation-phase thinking even as they approach or enter retirement. The question at the heart of this episode strikes at a surprising disconnect in personal finance: Why do so many investors intellectually understand they're investing to enjoy retirement, yet construct portfolios clearly designed to maximize wealth at death? Through a series of illuminating listener emails, Frank unpacks how portfolios optimized for accumulation often fail spectacularly during the decumulation phase. One listener confesses he "always wondered why anyone would buy bonds when clearly stocks give a far greater return," before discovering through portfolio testing that a 100% equity portfolio would have "failed catastrophically" for someone retiring around 2000-2003.This recognition—that diversification isn't about maximizing returns but enabling sustainable withdrawals—represents the fundamental insight many investors miss until too late. As Frank colorfully puts it, if your goal is to "die with the most money possible" in your "golden coffin," then by all means stick with 90-100% equities. But if you actually intend to enjoy your retirement by spending more than 3% of your portfolio annually, a properly diversified approach becomes essential.The episode also addresses why attempts to use valuation metrics like CAPE ratios to predict market movements have largely failed, and why separating your portfolio into growth and value components offers a more reliable approach to capturing rebalancing bonuses without attempting market timing.Make sure your investment behavior actually matches your stated goals. If you're planning to spend in retirement, construct a portfolio that optimizes for sustainable withdrawals, not maximum theoretical returns.Support the show
It's a full-on Q&A Friday as Don tackles listener questions on account consolidation, fund choices, proper bond allocation, and portfolio construction. From dissecting the merits of AVGE vs. DFAW vs. VT+AVUV, to helping federal employees estimate how much to save, and even clearing up confusion about average returns—this episode is a masterclass in real-world investing for every phase of life. Whether you're building your portfolio, nearing retirement, or just trying to clean up a financial mishmash, there's clarity here. Oh, and snark-free math explanations, too. 1:36 First caller: Accumulation phase advice—Fidelity vs. AVGE vs. Vanguard 3:15 Follow-up: Retirement accounts, target date funds, and cleaning up a messy portfolio 5:06 Safe Harbor 401k rules explained 5:53 Deep dive into 401k fund options—why some funds may not be ideal 7:43 Old TSP account—combine or leave it? 9:34 Caller: How to start adding bonds after years of 100% stocks 10:43 Two strategies for shifting into bonds slowly and smartly 11:42 Listener from Texas asks: How is average return actually calculated? 12:44 Why averages are simple math, not magic 14:13 Caller: TSP investor wants to grow $114k to $500k in 10 years—what it'll take 15:55 Fidelity Roth IRA options: AVGE vs. DFAW vs. VT + AVUV tilt 17:40 Pros and cons of each fund setup—risk, fees, and portfolio simplicity Learn more about your ad choices. Visit megaphone.fm/adchoices
Send us a textThe Mad Scientist of Muscle is back…If you are looking for some new muscle building methods, this is the guy to listen to!Our friend Nick Nilsson has released a new book titled, Return to Prime – Reset Your Muscle Clock Back 20 Years.So naturally we just named the episode after his book
Today, I'm very excited to welcome Christine Benz back to the podcast. Christine is the Director of Personal Finance and Retirement Planning at Morningstar. She has become a trusted voice in the industry and has been recognized as one of Barron's Top 100 Most Influential Women in Finance and one of the Ten Most Influential Women in Wealth Management. She's also the co-host of The Long View and How to Retire podcasts where she brings a wealth of expertise and real-world insight to every conversation. In her newest book, How to Retire: 20 Lessons for a Happy, Successful, and Wealthy Retirement, Christine draws from her “Me Search” project and lays out practical strategies that help you transition from a lifetime of accumulation to a lifestyle rich in purpose and meaningful spending. In our conversation, Christine outlines the importance of practicing your retirement lifestyle before you fully commit. She explains how experimenting with sabbaticals and trial runs can help you strike the right balance between structure and flexibility. We discussed the movement of rethinking the traditional 4% rule with a bucket strategy—so you can build confidence in managing your cash flow and spending. GET FREE ACCESS TO CHRISTINE'S BOOK TITLED, HOW TO RETIRE: 20 LESSONS FOR A HAPPY, SUCCESSFUL, AND WEALTHY RETIREMENT Here's all you have to do... Step 1.) Subscribe to the podcast and leave an honest rating & review over on iTunes. Step 2.) Text the word BOOK to 866-599-4491 and we'll make sure you get signed up for free. It's that simple! In this podcast interview, you'll learn: Why testing your retirement lifestyle before you retire can save you stress later. How a balanced mix of routine and flexibility fuels a fulfilling daily life. Why rethinking the 4% rule with a bucket strategy builds spending confidence. How proactive long-term care planning can shield you from future costs. Why syncing your spending with your portfolio and other income sources reduces fear and anxiety. The smart steps women can take to overcome unique retirement challenges. Our Market Outlook Webinar is live! Visit https://bit.ly/4bmHkUb to register. Show Notes: RetireWithPurpose.com/488 Rate & Review the Podcast: RetireWithPurpose.com/review
Erich Castillo is the founder of Cornerstone Wealth Management established in 2004. He began his professional career in 1997 at American Express Financial Advisors, achieving numerous accolades and awards. Erich is currently an Investment Advisory Representative. He also has his Life, Accident, Health, Insurance and Annuity designation so he can act as a comprehensive resource for his clients. To round out his financial education, he holds a Chartered Life Underwriting Designation and Chartered Financial Consultant Designation.Originally from San Francisco, he has traveled and lived all around the world, eventually landing in Lexington, Kentucky. While earning a Bachelor's degree in both Finance and Education at the University of Kentucky, Erich had the opportunity to work as an athletic trainer for several sports teams at the University of Kentucky, where he met Emily, his wife, and mother of his two sons, Brandon and Carson. Though Erich has an accomplished career, his greatest treasure is his beautiful family. Erich met his wife, Emily, at the University of Kentucky.Learn more: http://www.retirewithcwm.com/Investment Advisory Services offered through Southland Equity Partners, LLC an SEC Registered Investment Advisor.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-erich-castillo-founder-of-cornerstone-wealth-management-transitioning-from-accumulation-to-income-generation
Crypto News Alerts | Daily Bitcoin (BTC) & Cryptocurrency News
The International Monetary Fund (IMF) is looking to restrict Bitcoin purchases by El Salvador as part of an extended $1.4 billion funding arrangement with the country. Begs the question; has El Salvador been buying bitcoin or simply moving wallets from hot wallets to the publicly doxxed cold wallet? Learn more about your ad choices. Visit megaphone.fm/adchoices
In this conversation, Scott McGill shares insights into his cycling career, training regimen, and the balance between personal life and professional commitments. He discusses his early riding habits, the importance of versatility in racing, and the significance of consistency in training. Scott also delves into specific workouts, sprinting techniques, and how he manages to maintain a balance between his athletic pursuits and personal interests.Thanks, Scott! Find him on IG here:https://www.instagram.com/scottmcgilljr/Chapters:0:32 Welcome!01:00 Training Philosophy05:00 Strength and Conditioning12:30 Race Preparation30:30 Pro Race Intensity and Accumulation of Efforts32:30 Nutrition and Heat Training38:00 Underrated Training Aspects42:00 Racing Tactics45:30 Early Career Advice47:30 Equipment and Aerodynamics51:30 Career Goals and Mindset
Chapters 00:00 Introduction to Tendon Research 02:59 The Evolution of Tendon Rehabilitation 06:07 Understanding Tendon Mechanics and Training Approaches 09:00 The Role of Load in Tendon Health 12:03 Aging and Tendon Structure 14:51 The Impact of Immobility on Tendon Health 18:09 Stages of Tendon Development 21:08 Tendon Ruptures and Age Factors 24:00 The Science of Tendon Stiffness 26:46 Cellular Dynamics in Tendon Health 32:26 Understanding Tendon Responses: Achilles vs. Patellar 36:11 The Role of Cross-Links in Tendon Stiffness 40:59 Exercise and Its Impact on Tendon Health 42:25 Dietary Influences on Tendon Integrity 44:17 Metabolic Syndrome and Tendon Health 46:38 Accumulation of Advanced Glycation End Products 49:31 Tendon Size and Vascularization in Tendinopathy 54:51 Inflammation in Tendon Pain: A Complex Relationship 01:00:07 Circadian Rhythms and Tendon Health 01:03:27 Future Research Directions in Tendon Studies Takeaways Christian Coupe is a physical therapist and researcher. He has worked extensively with elite athletes, particularly in racket sports. Tendon issues like jumpers knee and Achilles tendinopathy are common in athletes. Eccentric training was a breakthrough in tendon rehabilitation. Heavy slow resistance training may be more effective than eccentric training. Tendons require regular loading to maintain health and prevent degradation. Aging begins around the age of 17, affecting tendon structure and function. Immobility can lead to rapid deterioration of tendon health. Tendon stiffness is crucial for performance and injury prevention. There is potential for improving tendon health even in older individuals. The Achilles tendon may require different loading than the patellar tendon. Cross-links in tendons can affect stiffness and brittleness. Exercise is crucial for maintaining tendon health and properties. Dietary choices can influence tendon integrity and health. Metabolic syndrome is linked to tendon issues and injuries. Advanced glycation end products accumulate in low turnover tissues like tendons. Tendon size can increase due to vascularization in tendinopathy. Inflammation may be present in early stages of tendon pain. Circadian rhythms could play a role in tendon recovery processes. Future research should focus on the metabolic aspects of tendon health. Christian's research (Researchgate): https://www.researchgate.net/profile/Christian-Couppe Christian's profile: https://researchprofiles.ku.dk/en/persons/christian-couppé Christian on Twitter: https://x.com/ccouppe