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On this episode of "The Founder's Sandbox", Brenda speaks with Donovan Ryckis; CEO of Ethos Benefits, the nation's leading fiduciary benefits consultant in mid- -large market employers. Ethos Benefits was founded in 2016, after a chance request from a client of Donovan when he operated as a financial advisor--the client was faced with an increase in the companies' health insurance bill for the companies' employee plan that would have had a financial burden that threatened the sustainability of the company.   ‘Ethos' represents the guiding principle, character, or spirit of a person or organization. It's the ‘why' that drives decision-making and fuel's purpose.   Through Donovan's origin story we will have our eyes opened as business owners to the potential risks of employer sponsored healthcare plans and how to mitigate these risks. You can find out more about Donovan and Ethos at: www.linkedin.com/in/donovanryckis Upcoming master class on August 14th https://ethosbenefits.com/ https://businessofbenefitspodcast.com/ For a limited time only access the documentary: It's not personal, it's just  healthcare. https://ethosbenefits.com/documentary/     Transcript:  00:04 Welcome back to the Founder's Sandbox. I am Brenda McCabe, your host on this monthly podcast. It reaches  business owners and entrepreneurs who learn about building resilient, scalable, and 00:32 purpose-driven companies, all with great corporate governance. I am Brenda McCabe, and I am your host. And the guests that come to the podcast are not only those founders and business owners who are sharing their experiences, but also corporate directors,  investors,  and professional service providers who, like me, want to use the power of the private enterprise, small, medium, and large, to create change for a better world. 01:00 Through storytelling here and a recreated  sandbox,  my goal is to equip  one startup founder or one business owner at a time to build a better world through great corporate governance. Today, my guest is Donovan Rikas.  He is joining the podcast as CEO of Ethos Benefits, the nation's leading fiduciary benefits consultant in the mid to large market employer space. 01:29 So I'm absolutely delighted to bring in a professional service provider in  the employer benefits area, which  we're going to  unpeel  this  sector  today in the podcast. it's fascinating. So thank you, Donovan, for joining me today. Thank you, Brenda. Thanks for having me. Excellent. So  the company you and Chelsea, your wife and president of Ethos Benefits, 01:59 was founded in 2016, which wasn't that  long ago.  But it happened serendipitously.  You got a chance request because at that time, you were a financial advisor, right? Yes. When  your client was faced with an increase  in the company's health insurance bill for their employee plan,  pardon me, that would have had such a financial burden,  it would have threatened the sustainability of 02:27 the company and that's your client. So what did you do Donovan? What was the origin  of Ethos Benefits? Thank you. Yeah, so that's exactly right. I started as a financial advisor.  So Ethos Benefits was formerly a registered investment advisory, which was Jay Donovan Financial.  And one of the interesting things that are a little bit different on the security side versus the insurance world is 02:56 the ability to  license and designate yourself as a fiduciary advisor to your clients.  So that's really important and that's kind of where we started as financial advisors. So that essentially means that you're not gonna be commission-based with variable commissions based on what you wanna sell and the client doesn't really understand, right? You're gonna be  transparent with how you earn any compensation. 03:23 and you're not gonna have any conflicts of interest that might change  the recommendations or advice that you're giving them. So it's gonna be flat fee and you get to work with them directly instead of working for the financial institutions and the insurance companies kind of in the background that are actually the ones incentivizing. Cause  it's this odd relationship where it's like you think the financial advisor is working for you but they're actually incentivized by the institutions  that they're representing. Very important clarification because we do have a question 03:53 further on, which is, you know, what, what, how does the 401k management, right about employers 401 plan, mirror that of healthcare benefits? Yeah, for sure. You'll start to see some of those. So that's how we're working as financial advisors. And that's an important distinction as we get into an explanation of 04:22 the whole healthcare industry and how that works. So you're exactly right. I was working as a financial advisor, working with business owners  because they had more kind of complicated planning and tax structures and things that I could do to really make a difference.  And what I realized is when most of them had commission-based advisors, they'd rush to sell a product, mutual funds  with upfront loads and REITs that had  proprietary commissions and all this kind of stuff. And then they would leave without worrying about any of the 04:52 tax consequences,  you know, islets or trusts or even wills, right? Like all these extra things that business owners needed to set up their own personal wealth, but also their company, their 401k, maybe combining a defined benefit plan. So that was kind of the niche I chose.  And it was incredibly lucrative. I loved it.  Was doing exactly what I wanted to do until that client kind of asked me for that help, like you alluded to. 05:21 And it was 40 % increase on his health insurance. He said, my broker says, this is it. There is nothing else. Can you help? And I didn't know any idea. Like I had no idea about health insurance or what I do. But yeah, just- No, no. problem. 05:39 And certainly as a financial advisor, it kind of seemed like going backwards and beneath me. didn't really want to do it, but I was like, I could hear the panic in his voice. And I was like, yeah, absolutely. Just send me everything you have. And after about three weeks, basically making as many connections in the industry and learning as much as I could and trying different things, we basically mitigated that increase entirely. 06:05 And he actually came three points under where he was currently today before that increase. And we didn't take away any benefits from employees. We didn't put them in smaller  HMO networks. We didn't increase deductibles or increase their premiums. None of the usual tricks.  So this was a like for like solution. We actually improved the plan a bit and came in under.  And it really made me realize in that moment, it wasn't my experience or my education or my smarts that 06:34 may be able to do this,  it was a lack of conflicts  in compensation and incentives,  right? Because his broker does about $7 billion a year annually.  I didn't come in with more market knowledge, leverage, or experience. I just didn't have conflicts of interest and compensation. That's what  started me down this path.  And  back then,  you hadn't yet  created Ethos Benefits with that name. 07:03 So when I did a little bit of research,  I couldn't have been more delighted that you actually reached out to to be featured on the founder sandbox because of two reasons, you the word fiduciary, right?  It was in  your basically your call to action, right? Or your or the definition of company. So,  you know, you  are  the governance of a company goes way beyond making a profit for shareholders. 07:32 the duty of care, the duty of loyalty and the duty of obedience is really the underpinning elements of  fiduciary duty. And on your website, you say our ethos is simple fiduciary first. So we're going to appeal that in here in a minute here. So act in the best interest of those we serve,  no matter the cost. You also on the website,  you you had a purpose ethos represents the guiding principle. 08:01 character or spirit of an organization or a person is the why that drives decision making and feels purpose. So I,  I looked like I was reading what next act advisors may consult a firm is about is just really finding those purpose driven. So  with that, I wanted to just, you know, ask you,  what was that you had that first client that first aha moment, and 08:29 How long did it take you and did when did you realize that this could be a a career change for you, right? Rather than a financial advisor, you were actually actually a health care benefits advisor, right? Yeah, I mean, I think I think the first moment is, you know, being being a financial advisor was very lucrative. And I like the people I was working with. I liked working with entrepreneurs and business owners and and, you know, just 08:58 I found them inspiring and I was curious about the things they're doing. And  I think that kind of lifts everybody up when you keep a circle like that, right? Like you  push yourself harder, you learn, educate and do different things.  So I love the clients I was working with. Like I said,  maybe  working on personal wealth for individuals though, isn't the most rewarding thing you could be doing. seeing that... 09:25 Don't get me wrong, I was paid well enough. It would have took me a long time to figure out that it wasn't very personally fulfilling.  But seeing that first case, mean, the first thing I did when I got that successful proposal back, before I presented it to the clients is I was looking at the math  of what does this cost? What difference does this make per paycheck to all the individuals in this planet? And then I'd look at somebody, my God, this person's got a wife and two kids. Look at the difference in premium there. 09:54 I was calculating my work in return to the average American worker and realizing like me putting myself aside to  proactively, strategically go after this problem instead of making a decision for my own personal commission, looking at how much that impacted everybody. And that was powerful. 10:20 I'm going on 20 years in financial services and every aspect of it, I've seen people who prioritize commissions over, you know, a better product, a better outcome for an individual. But the idea that that could be done on scale to where you're now making that decision for yourself over 200, 500, 2000, 3000 employees, like that's pretty disgusting, right? So seeing that that kind of impact could be made. 10:49 I mean, it was  it was really not a question after that I knew I was transitioning my business. Excellent. Excellent. So  my own path  after 25 years in Europe  was quite an eye opening experience when I came back to the United States, I am a US citizen, but I had to get you know, I've been working for myself and I had to get self insured. So  I got back this is like 11:18 12 years ago, I got the Affordable Care Act for dummies from my local library.  I had not yet transferred my tax certification to the United States takes quite a few years when you've been gone so long.  So you because you do have to sub venture tax returns and all that. And then  I ran into I met Marshall Allen, the author of never pay the first bill and the other ways to fight the healthcare system and when 11:46 Marshall Allen actually spoke at  a graduate or alumni event of University Chicago. And  I was, you know, reading these books. And you know, eventually,  I got my own broker to help me get onto the exchange. But it every year has been  an experience.  I'm fortunate to be part of a  membership organization through which  for small  and medium sized businesses and I get  PPO through 12:14 I won't mention names, but  I was  blessed because just  and I'm 12 years in the United States, you have to knock on a lot of doors to actually get health care when you are a small business  owner  and really  understand what  you are paying for,  not only your premiums of what are the services  that are provided. So can you talk about  the average 12:44 premium for a family of four and some of the  numbers that you discovered  and believe  we as a country could actually improve  on the outcomes, healthcare outcomes with the actual spend we have today, right? Yeah, we're getting the numbers are pretty wild. mean, I feel like we're really kind of getting to a breaking point with it.  You know, 13:12 For what I work on, employer-sponsored healthcare, 186 million Americans are covered under employer-sponsored healthcare plan. These plans can average increases anywhere from seven to 10 % annually. We see a lot of reports that come out that kind of measure these things. Kaiser Family Foundation does one, Milliman Index is another one. So there's a lot of studies that kind of measure this annually and changes for employers across the board. 13:41 What we saw this year for 2025 was the average cost for a family of four under employer sponsored health care plan is $35,119, which is just an astonishing number. That is unaffordable for an employer. That's unaffordable for an employee. And it's unaffordable for them to split that cost as well, which is how these, yeah, that's how they're structured in some way or another. 14:11 And another number to know that kind of governs this is the ACA affordability percentage, which is essentially where employers have to contribute, they have to contribute enough to keep the premium under this amount, which is 9.02 % this year. So premium for one of your employees cannot exceed 9.02 % of their take-home pay. 14:39 And this is updated on an annual basis, correct? Correct. Yeah, it fluctuates a little bit, but it's always right at 9, 8.5, 9.2, it's balanced up and down. But that's a pretty astonishing number too. And I see a lot of companies that are basically designing their contribution just to stay under that. it's, obviously they'd love to do more, but with the way these costs increase annually, sooner or later, they get to that point. 15:07 where they're kind of designing it just to be under 9 % of the employee's income. Okay, that's  astonishing.  And I'm happy that you  are working nationwide now with employer benefits with companies that, what's the size of the companies that you typically sell to? So we only work with large employers these days. And if we have somebody come in a little bit under, we have some associate agencies that we can kind of refer them to. 15:36 I'd say our minimum is usually like 250 eligible employees all the way up to 5000. Yeah, so anywhere in that mix. Excellent. So when again, I first met you was unaware because you've basically become nationwide in the last what two, three years, right? I'd say around COVID. Yeah, I took off right. So when I was speaking with you spent some time on the website. 16:06 I was trying to understand the sales alignment. So how you reach customers, those employees that have 250 between 250 and 5,000 employees, right? My first reaction was, OK, Donovan, go in with either of these benefits. You do a cost down, right? You've done, you basically work yourself out of the job. You corrected me. So for my audience, so how? 16:32 does ethos benefits work for a company, right?  What is that?  Is it is it an annual  engagement  talk walk me through the work you Yeah, I mean, things are happening on a daily like when we break down our scope of services, we'll actually show them like,  these are daily, these are weekly tasks, these are monthly, quarterly and annual because there's so much happening.  So  we're talking about the employee benefit space. Yes, it's  the 17:01 kind of designing consulting for the annual premium for a 12 month period. I think that's what people first consider.  But there's also a ton of compliance factors that have to happen throughout the year that that company has to fill out, right? Could be anything from section  125s,  5,500s,  wrap documents, all kinds of notices and disclosures  that need to be done.  Also, you know, we deal with benefits administration. So that's... 17:29 How are the employees making elections, seeing premiums? Is that integrating into payroll?  So functions like that with eligibility in and out of the company  adjusting that.  But also we kind of discussed and talked about the fact that health care is incredibly complex. So all the same market influences, where the market's at, interest rates,  inflation, all that kind of stuff affects  health care rates just like any other company in the market. 17:58 but it also gets as granular as  new medical procedures, new drugs, new generic drugs that are now an option.  It can even go down, you know, locally or regionally to where we get a new CFO in a hospital group and that starts changing the reimbursement rates that they're requesting from the insurance. So we see that where kind of a CFO comes in and they start flexing, making life difficult in a particular region or with a hospital group. 18:28 So all these things are kind of coming together and changing every single day.  Also the fact of the sheer amount of bills,  claims that come through.  So what we see on average,  this is a pretty crazy number, but  what we see on average is 18 claims  per employee per year. Okay, that's a lot.  That's a lot. So if we had just a hundred employees, that'd be 1800. 18:56 basically accounts payable  into the company. And that's part of our job too, because as you might imagine, hospitals make tons of mistakes on the bills, about 80 % of the bills have mistakes.  And then we also have to make sure that those are coming in at fair reimbursement rates to the company, because what hospitals bill is a spectrum for the exact same procedure. And the only difference is the payer. It's not the patient, it's not the complexity, it's not the physician, like it's literally 19:25 just the insurance card that can affect that difference in reimbursement rates. So all these things kind of come together where, yes, it  very much is a daily  task for me and my team on different things that we're working on. And- Are you an advocate in any way for the employees? Yes,  very much. So, you know, it's two, there's two complicated ecosystems at the same time that we're trying to navigate. 19:52 One is certainly the healthcare finance, which is what we're working with the company. But healthcare delivery for employees and members is just as complicated and confusing as far as where do I go? What is this gonna cost? What's the next step? Can I get a second opinion? How would that work? Right? And also helping navigate them to their highest cost or their lowest cost, highest quality and understanding what that is and giving them options to seek care at. 20:21 at lower prices if that's available. Excellent.  So your  delivery platform, is it like a customer success team  that  is assigned solely to that client? How does it work? Yeah, so it's kind of different. every employer is starting at a different place. They also have different ideas of where their end place or where their goal is. 20:49 healthcare delivery, kind of working on some things like that, there might be a couple of different ways we handle it. One might be having a direct  primary care provider. So the idea of a direct  primary care provider is basically same day, next day appointments with your primary care physician  and 30 to 60 minute visit times, not the average, which is seven minutes with a PCP, which is what most people get across the country.  And  with that DPC provider, you can also do things like 21:18 stitches,  blood work, get generic meds. So we're talking about more of a comprehensive service when you actually need it, not  the 14, 18 day  primary care. So that might be one of the ways we help with healthcare delivery.  It might be a nurse concierge where they have a nurse that they can help find providers,  navigate them. That might be a part of it.  So it kind of depends. then also  a lot of the times are 21:47 Our team will basically act as a care coach, where if they have anything going on, they can just call us. We'll help them set appointments, navigate them towards care, help them with their ID problems. Fantastic. Anything else you'd like to share or shed some light on the service offering of ETHOS benefits? So we're going to jump into a legal question in a minute here. 22:13 Yeah, I mean, it always just depends on the employer.  what I would say is generally they find everything we do to be  more comprehensive. And I think that's just the nature of the fact that we're not seeking compensation from the insurance providers or working with the client, because  it's my belief that we don't have a single thing to sell to an employer.  Employers have a health care problem. And we're here to solve that and work through that in any 22:42 way that they need at that given time.  So we're not,  you know, pushing those solutions are having those conflicts.  It's an excellent segue down into  current lawsuits  that are popping up with respect to,  first of all 401k, lawyer, and now healthcare benefits. So before we jump into that some specific cases, you know, for my listeners, what does fiduciary mean? 23:12 in your business model, right? Please. Yeah. So fiduciary for us is certainly always acting in the best interest of those that you represent. It's the highest standard of care.  So you mentioned a couple of things  earlier, loyalty, obedience. I think the biggest thing where companies may think they're acting as a fiduciary and they're not, because while we carry that duty to our employers and our clients, 23:40 Employers have that duty to all of their employees. And that's something that are kind of educating them because a lot of them don't realize it. But  I think the big duty that is  left out or misunderstood is the duty of prudence.  Okay. So did they go far enough in investigating solutions and understanding the problem and working through it and having a committee within the company to kind of help go through that? Because what I mean, in a compensation package, there is nothing more important 24:10 than the cost of health care and the options in health care, right? And how those decisions are being made.  So I see the duty of  prudence being the kind of  most 24:23 I, the duty with the most opportunity, let's say, maybe, maybe the most misunderstood because  the employer sometimes think, well, you know, the broker came in and he showed me one or two other options.  This is the least worst option. Therefore that's what we're doing. And I think that's enough. Right.  And that is not the case.  And it's only until there's a 40 % increase due, right. It doesn't employer say  my business is not sustainable. 24:51 So actually healthcare is what not the number two or number three expense  in the company's PNL today. Correct. Right. So walk me through some of these  recent lawsuits.  Yeah, I think we have companies like J &J and JP Morgan. Speak to me about that. 25:14 Yeah, J. J. J. P. Morgan, Wells Fargo. A lot of them are almost they're copied and in some parts of the complaint,  because it's very much the same thing. the first one we saw was  Lewandowski versus Johnson and Johnson. And this is for their health care plan. You know, they're a Fortune 50 company.  I think they somewhere around 160,000 employees. 25:42 and they have a benefits committee and a benefits team of 16 or 18 people. So a big team of people to help make these decisions, understand them and vet them. And the lawsuit is basically for their decision of pharmacy benefit manager. So a pharmacy benefit manager essentially sets the price for any drugs that employees could get within the plan. And it lays out 35 or so specific examples of drugs 26:12 but basically they agreed to pay  up to  13,000 times  the cost of the drug that's available, just cash pay.  employee and employer funds are agreeing to pay that kind of multiple on a drug that's available without insurance, much, much cheaper.  And the  lawsuit is brought by the plaintiffs, who are they? 26:40 am Lewandowski. So she's she's the plaintiff. And then I believe as it's developed, other employees have kind of came on. So 13,000 was it do you know, I know that you're not directly involved in this case. Nor should you speak to it if that is the case. But is the transparency of the data? Can you get that data if you were an employee to then understand the 27:09 multiples that your employer plan has agreed to pay to the pharmacy benefit. I'm aghast. 13, I think the number is 13,226. So when this came out last January, the first thing I did is I read through the whole complaint. It was like 130 pages went through all these. So for all the drugs that were mentioned, I ran 27:40 J &J's prices, again, Fortune 50, 150, 160,000 employees. So you would assume they're getting leveraged prices, they're making great decisions, all those kinds of things. I ran those prices against what my clients were paying. And in the smallest, like I think our smallest in my book of business, like 100 insured employees somewhere around there, they were paying 94 % less. 28:06 for the same, for one fill of all the same drugs. So the math worked out to be like 135,000 for J &J for one fill of each of those. And my clients were like 3000 or 4000, don't know, it's all my LinkedIn. posted the public letter as soon as it came out. But I basically price referenced them. So it's not a question of leverage or buying power, know, all the ridiculous things you hear. 28:34 when you're talking to  an insurance broker for these types of decisions,  it's literally, it comes down to that question of prudence. Like,  how did you vet these decisions?  Do you know how the pharmacy benefit manager is getting paid? Do you know what these drug benchmarks are against the cash price?  And that's  where I think this lawsuit is gonna be a slam dunk. Like, there is no reason for a company that size with that big of a benefits committee to hire such a conflicted PBM, is what they call it. 29:04 You heard it here on the founder sandbox. So stay tuned for  any other  lawsuits that are  worthy of mention. Do all of them? Are they all related to the pharmacy benefit manager conundrum?  There's there's all kinds of lawsuits. I think the PBMs are the lowest hanging fruit because it's so easy to benchmark. But certainly the same arguments exist with  hospital reimbursement rates. 29:33 And we're starting to see those as well. Excellent. Well, thank you  for sharing  a bit more  details on  the  recent,  I guess,  health care benefits in the news, right? Lawsuits.  Going to get a little bit technical here. 29:57 because you allowed me to.  the framework of the CAA of 2020 and 2021, that's the minimum set of standards for activities to benchmark health care plans.  And so  what are they?  Because it then leads into  some of the common sense strategies  that employers can deploy immediately.  So can you walk? Because this is just as yesterday, it's actually during the pandemic. What's the CAA? 30:27 of 2020, 2021. Thank you. Yeah. So that's the interesting part of this. So the reason I said a decade ago, over a decade ago, I was waiting for these health care lawsuits to happen. It's because Arissa has always stated that  employers have this fiduciary responsibility, just like they had with  401k. The problem has been, and the reason these lawsuits didn't come sooner, is that health insurance companies  make this data hard to access. 30:56 different carriers were released different amounts.  And there was no set of compliance standards for employers to understand this is how I go about making it, making these decisions and benchmarking these decisions, right? Like  it was all just too vague, too opaque. The data was too gagged and withheld from the employers.  So the starting point of how do I know I'm being prudent or not, that's kind of what wasn't known prior to the  CAA of 2021. 31:27 So  the CAA  basically defined a set of minimum standards  that you have to do to even pretend like you're being a prudent fiduciary for your healthcare plan. So there's four things, but there's three main things. I'll mention the fourth thing as well, because there's funny stuff about that.  So the first one  should be the most obvious, and  it's kind of our founding story, which is understanding 31:53 your broker compensation before you enter into any arrangement or agreement for your upcoming plan. So that should not only be how much,  it should be when, what type of bonus is there. If you're looking at carrier A, B, and C, really what it says is you should know what is their compensation for carrier A, B, and C before you make an arrangement, because they will be different. And that will change the recommendation, the advice, the conversation that you're having with that broker. 32:23 is critical. That is so critical. And  in reading these transparency commission  disclosures from  brokers, it is wild, the stuff that they put in there and how conflicted their advice is.  One of them that I looked at last week said, broker acknowledges that their parent company has equity in the insurance carriers that they're recommending. Oh my gosh. So they're essentially saying, 32:52 We are an insurance company that's going to bias our recommendations to the own companies we have equity in. It's like, that's no longer a party you should take advice from, right? 33:07 Okay, so that's part one.  Yeah, no, this is this is  and you know,  I without it's gonna get too technical because the gag clause and  the prescription DC reporting so that you know, basically CAA has provided the set of benchmarks, right, which  you need to at least checkmark right before you actually do. 33:35 engage or decide on your employer benefit plan.  Yeah. To be in compliance with your fiduciary duty, particularly that of prudence. Yeah.  Yeah. And I think companies shouldn't look at as a checkmark. I think if they apply it with a good faith effort, they'll see like, oh,  it's not compliance. This is a framework  for making better decisions.  Right.  And that's what it's meant to do. It's meant to say, 34:05 Know your compensation, know your drug benchmarks,  and  eliminate any gag clauses to your data because you need your data to make decisions. So I think if companies make a faith effort, they'll automatically get better outcomes. That's the way here. Excellent. Well, thank you, Donovan. I want to give me this time to actually  speak about  how to contact you,  your company. But more importantly, 34:34 There is  you're hosting a webinar on August 14, which is right around the corner. Can you  give us some more details?  The details will be in the show notes,  but speak to the event that ethos benefits is hosting on August 14 2025. Thanks. Yeah, thank  you.  Yeah. So on the 14th, we're doing a fiduciary workshop masterclass, which is basically understanding what your 35:03 what your duties are, how to get through them, how to navigate them, how to have this framework for decision making and document that process as well. And it's all geared towards just achieving those better outcomes for your company, eliminating any of these risks and really creating positive results for your people. Excellent. And any information with respect to how to reach out to you beyond the- Yeah, sorry. the registration is on a banner on the top of our 35:33 on our homepage. So ethos benefits.com. If you connect with me on LinkedIn, LinkedIn,  Donovan, ragas, you can find it there as well.  Great. Well, I'm coming to the  part of my podcast, which  brings us back to the sandbox.  In my work, I'm all about working with purpose driven, scalable, and resilient companies. 36:00 And so I ask my guest, what is the meaning of each of those terms? What does purpose mean to you? 36:08 Purpose, what does it mean to you? That's such a big question that you can go a lot away from. You know, I feel like purpose should be almost like a hidden driver. It's almost not like a well-considered thing. It's just kind of driving you forward.  I think our purpose  is progress,  right? Like if something can be done better, it should be and just kind of moving forward with that. 36:35 We're trying to move one company at a time, but also the industry and better outcomes  for the country. 36:43 And that good feel factor when you get up in the morning and know that you're doing good, right? Yeah, absolutely. Let's just sleep well at night. Right? Yes. Amazing. How about resilience? You did share with me off  camera that yeah, while you abandoned the financials,  advisory role, it took almost five years, right to really find product market fit, right  and build this because it's a very unknown right industry. 37:12 unknown service within a very, very  complex industry, right? Yeah. So resilience for you, what does that mean?  Yeah, I think you're right. You know, it took us a while because we were sharing such a wildly different message than what people were hearing from their brokers. And sometimes they look at you and be like, well, you're small, they're big, that must mean they're right, right.  So I think resilience is being able to go from 37:42 failure to failure without any loss in energy, right? So when something doesn't go your way and you have an obstacle, an outcome that is less than desired, it's about being able to push on still without losing any of your optimism or energy. And that's all we do. So. Thank you for what you do. And scalable. What does scalable mean? 38:07 Scalable is certainly about having an actual documented process. I think when you're getting into something new as a company or a new system or procedure process, if it's not something that everybody in the company could repeat in the same way that I do, just inherently the way I do it because of my background and education, if it's not repeatable for everybody and everybody doesn't understand the purpose for those steps, 38:36 the outcomes from those steps, like the end result, it's definitely not gonna be scalable. Thank you. Final question. Did you have fun on the sandbox today? I did. Thank you so much for having  me. Thank you, Donovan.  So to my listeners, if you liked this episode with Donovan Rikas from Ethos Benefits,  sign up for the monthly release of founders, business owners, corporate directors, and professional service providers that share their experiences. 39:06 and how to build with strong governance a resilient, scalable, and purpose-driven company to make profits for good. Signing off for this month, thank you very much. Have a great day.  

We love the photos. We repost the stats. But the Malayan tiger is vanishing, fast.So why aren't we doing more?In this episode, hosts; Arissa, Izany, Izzah and Nurin sit down with Lam Wai Yee, Director at Panthera Malaysia, to track the real story behind the stripes: from forest loss and poaching to the policy gaps and public silence keeping this crisis out of sight.But it's not just talk. We're spotlighting the bold conservation work happening right now, and the role Gen Z can play in keeping our national icon alive.If you care about wildlife, extinction, or just not being the generation that let it happen, you'll want to hear this.#SaveTheTigers #MalayanTigerCrisis #YouthForWildlife #PantheraMalaysia #GenZForNature #ExtinctionIsReal

Stone carvers Chris Pellettieri and Arissa Ramoutar on art made by humans, not AI Tomaš Dvořák - "Gameboy Tune" - "Interview with Chris Pellettieri and Arissa Ramoutar" Horace Ferguson - "Great Stone" [0:54:14] https://freeform.wfmu.org/playlists/shows/148075

Stone carvers Chris Pellettieri and Arissa Ramoutar on art made by humans, not AI Tomaš Dvořák - "Gameboy Tune" - "Interview with Chris Pellettieri and Arissa Ramoutar" Horace Ferguson - "Great Stone" [0:54:14] https://www.wfmu.org/playlists/shows/148075

#265thmas for 19st December, 2024 or 33-oh-10 (3310) http://loosescrewsed.com Join us on discord! And check out the merch store! PROMO CODES https://discord.gg/3Vfap47Rea Support us on Patreon:  https://www.patreon.com/LooseScrewsED Squad Update:  DOIN' POWERPLAY All details in the #standing-orders and/or the #loose-screws-factions channels of the Discord. Powerpoint Update:  for Power Statistics: Powers | Elite:Dangerous | INARA Back to Business System Strongholds:  The Empire powers possess the most strongholds in total, with Arissa (55) and Aisling (47) leading, Denton (10) and Zemina (9) are just happy to be there. The dual Federal powers of Archer (29) and Winters (21)  fight each other as much as anyone else, and Archer has a lead of 9 strongholds against winters. Of the Independent powers, LYR (40) and Mahon(30) ,have the lead in stronghold systems followed closely by Antal (27) Kaine (27) and Grom (25) , with Delain (20) bringing up a still close last. Note: All of the “last place” powers amongst the Feds, and independents, still have more stronghold systems than Zemina Torval (9) , and Denton Patreus (10).  Almost all of the powers can be contacted directly to coordinate with their members by joining their discords (links on Inara), or looking up the respective power's subreddit.  Galnet Update: https://community.elitedangerous.com/  Titan Cocijo Destroyed, Sol Liberated (presumably from the Feds, thank you thargoids) - Galnet News | Elite Dangerous Community Site Thargoid war update: https://dcoh.watch/ Cocijo controls a single corpse, in low Earth orbit. 6 systems (Including Sol) in recovery, you can haul to help those systems recover, or coordinate with Operation Ida: Operation Ida Dev News:  FU - Frontier Unwrapped - Questions about Colonization Cash outlay is meaningful but not fleet carrier levels The real cost is construction cargo Claims can't be locked - you have 2 attempts to fulfil a claim before you are paused Only one claim at a time No system upkeep Architect is named and permanent The controlling faction in the source system is the one that colonizes You can't permit lock the system. You must start from the bubble System Maps will have an ‘architect view.' Colonization is not a PVP feature - You won't be able to sabotage another architect's project - No way to destroy constructions in a system Discussion: Thargoid war really Over? What are your goals for the coming year of Elite If any?  Have you unlocked the new powerplay cannons yet? Community Corner: DISTANT SCREWS 3! (now officially being planned) Buckyball - Race 8 x2 Marks The Dash ​​https://forums.frontier.co.uk/threads/buckyball-racing-club-presents-x-2-marks-the-dash-triple-eight-championship-race-8.631210/  – Race Ends 12/19, extended because of the Titan.

In this episode, we interview Arissa Dimond, an experienced SEO copywriter and content marketing expert. Arissa shares her journey into the world of SEO, the evolving landscape of search engine optimization, and the impact of AI on modern content strategies. What you'll learn in this episode: How Google's latest updates and AI features are changing SEO practices. Key strategies for proving expertise and authority in your content. Practical tips on optimizing for Google's E-E-A-T (Experience, Expertise, Authoritativeness, Trustworthiness). How to leverage bylines, quotes, and credible data to enhance content authority.

Arissa Hill from “The Real World: Los Vegas”, “Battle of The Sexes 2” and “The Challenge All-Stars 1” joins legendary reality stars Beth Stolarczyk and Jon Brennan to discuss how she entered reality TV, what she is up to now and where she is living and her philosophy on life.  They discuss her infamous elimination exit against Beth in The Challenge All-Stars on Paramount+ and why she felt so betrayed by her cast mates.  Jon asks Arissa why she offered to box Beth rather than compete in the planned competition and how she felt about the host TJ Lavin saying, “Don't take care, hope to see you never”.  Arissa is an explosive guest and you won't want to miss this episode as she gives Beth some pointers on how to be more liked on reality competition shows.  They discuss why Beth would be terrific on Peacock's “Traitors”.  You may be shocked to learn what music she is jamming to lately.  These 3 unlikely friends have a jam-packed episode! Learn more about your ad choices. Visit megaphone.fm/adchoices

Meet Scott and Arissa, and their son Ethan who is alive today because of a donor.

This week Helen Evans and Wes Brown are joined by a group of young people from the Foundation's ‘Youth Voice' group. Manchester United Foundation uses football to engage and inspire young people to build a better life for themselves and unite the communities in which they live, and that's what this episode is all about! In this episode we give our young fans the chance to get on the mic and talk about issues that matter to them, and how football clubs can play their part in positive change. To help with our discussion, we're also joined by some special guests...Lamin Touray - Actor, community activist and United fan.Anthony Savery - Community Project Coordinator at Manchester United FoundationKate Green - Deputy Mayor of Greater Manchester for policing, crime, criminal justice and fireJordan Eyre - Social Media Strategy Manager at Manchester United If you like what you hear and want to get yourself or a young person involved with Manchester United Foundation then you can find more information here or search mufoundation.org Thanks to the following members of our amazing Youth Voice group for joining us; Arissa, Esty, Amelia, Ciaran, Danyaal, Rick, Khadim and Mohamed.For more information on the Len Johnson campaign and the charity football match you can click here.The best place to catch up on the back-catalogue of our interviews is over on the Manchester United App, where you can listen to - and watch - all of our episodes in full, for free. Here you can get early access to new episodes, published 24 hours before everywhere else.If you'd like to write to the only official Manchester United Podcast then e-mail utdpodcast@manutd.co.uk We'd also love it if you could leave us a rating and review wherever you listen to your podcasts. Thank you! Hosted on Acast. See acast.com/privacy for more information.

Host Vincent Fernandez and Pastor Lloyd Pulley Question Timestamps: Rebecca, NJ (2:12) - If a saved Christian cheats in school does that mean they are going to go to hell? Donald, FL (4:20) - What do “sovereignty” and “conviction” mean? Melissa, YouTube (9:14) - Is it Biblically correct for a woman to preach? Can they teach children? Can they carry the title of pastor? Julia, NY (13:34) - My friend says she has physical relations with a spirit that visits her, is that normal for a Christian person? Robert, NY (20:21) - In Colossians 2:17, how are the festivals “a shadow of what is to come?” Ricky, MA (24:18) - What type of preaching was Noah preaching to the people in his time, since neither the Law nor Jesus had come yet? Lorrie-Ann, email (27:20) - Are there prophets in modern times, or did they become obsolete after Jesus came? Caller (33:27) - I don't feel like I'm saved, and I don't know what I'm supposed to do, how am I supposed to be acting as a Christian? Travis, SC (36:08) - Paul says not to be “unequally yoked” with a nonbeliever, what about people who identify as Christians but don't believe in the Trinity? Charles, NJ (40:16) - Is a “Tree of Life” or “Circle of Life” amulet pagan? John, KY (43:21) - Is getting even with someone a form of stealing from the Lord? Jack, NJ (45:33) - How do we reconcile the idea of the Trinity with John 14:28? Is the Father greater than Jesus? Andrew, NJ (50:12) - Is fellowship supposed to extend outside of church services? Arissa, NJ (53:22) - What does Jesus mean in Mark 8:15? Questions? 888-712-7434 Answers@bbtlive.org

Hustle, Grind, Work Hard, Sleep When You're Dead- we've all heard it before. And I think for a lot of action takers out there we can sometimes mistake all of these things for what it means to be successful. In this episode Arissa talks about the importance of working hard, putting in the work but also understanding the need to find a balance and flow within your work. Because the moment of drive and spearheading within a business and work come from the moments of intentional rest and stillness. I'm not saying be lazy, or just "do it when it feels good" theres more to the story here.  THINGS TO LISTEN FOR  - How hustle prompts a lack of intention  - My personal story with work and self worth  - Importance of breaking your old narratives as it relates to work    CONNECT WITH ME  Instagram @TheGirlWhoCanPodcast @ArissaLujano Support TheGirlWhoCanPodcast@gmail.com

Welcome to the twenty-second episode of Society Inspired! In this interview, I talked to Arissa Roy about the topic of redefining education and youth empowerment. Hope you enjoyed this discussion and this interview. Remember, it starts with a conversation! ~ Find Arissa here: Instagram: https://www.instagram.com/arissa_roy/ LindkedIn: https://www.linkedin.com/in/arissaroy/ Tik Tok: https://www.tiktok.com/@arissaroy Twitter: https://twitter.com/itsarissaroy?lang=en YouTube: https://www.youtube.com/channel/UCxg6BB5wq07b8Wi3aOahTvg ~ Sources mentioned: - Project Power Global: https://www.projectpowerglobal.org/ - "Rocks to Ripples": https://www.amazon.com/Rocks-Ripples-reminder-change-world/dp/B09TDZ4YH7 - Education Summit: https://www.un.org/en/transforming-education-summit/youth-declaration ~ Find us here: -https://instabio.cc/3030223u2mqO7 --- Send in a voice message: https://podcasters.spotify.com/pod/show/society-inspired/message

The Real WorldSeason 12 Episodes 19, 20, and 21 This week, Irulan and Alton are headlining Wrestlemania 57. It's also Arissa's birthday and we finally find out why she is the way she is. And finally, we spend some time focusing on Frank, who is the most boring person in the world.Buy merch here.Join the Patreon here.Send emails here.Follow on Instagram here.

If you say you have life all "figured out" chances are I don't 100% believe you. Lets be honest- some of the people you look up to and inspire you also woke up today still trying to figure it out. The only difference is those people who you look up to lead their lives with patience and have the trust that their passions will help them walk the path. In this episode, Arissa sits down with Laura Lambe- female entrepreneur in the fitness and nutrition coaching space having helped thousands of women all over the world. Learn how she approaches her life with patience and trust to fuel her confidence to show up and lead her business and life.  THINGS TO LISTEN FOR  CONNECT WITH LAURA  Instagram @Laura_Lambe  https://lauralambefitness.com/ CONNECT WITH ME Instagram @TheGirlWhoCanPodcast @ArissaLujano  Support TheGirlWhoCanPodcast@Gmail.com  

The Real World, Season 12Episodes 13, 14, and 15This week, Princess is back, back, back again. She's talking funny but she's talking about Brynn's love life, Arissa's trust issues, and Irulan's tent. Buy merch here.Join the Patreon here.Send emails here.Follow on Instagram here.

Today we talk about the opportunities you currently have-- now, before you tell me "Arissa, I feel so stuck and I have NO opportunities" Listen to this episode. We talk about reframing your mindset to what an opportunity even is. It doesn't have to mean something new or something that is going to make your life automatically better. But the opportunity you're given now-- Having a blank canvas is an opportunity and probably the best opportunity you could have. So that "I dont have any opportunities" is actually a good thing, so let dig into todays episode to make you feel like you CAN. THINGS TO LISTEN FOR  - Hustling more doesn't = more opportunity   - Audit your energy for complaining and how to turn that energy into something that will give you more of a return  - Redefining Opportunity  CONNECT WITH ME  Instagram @TheGirlWhoCanPodcast @ArissaLujano  Support TheGirlWhoCanPodcast@gmail.com

Today's guest on the podcast is Jason Palmer, podcast host of the Foster Care: An Unparalleled Journey, and a foster care parent with an incredible testimony.  Jason and his wife Amanda have been raising children for more than two decades as foster care parents.  Their kids, include children ranging from 7 months old to their oldest (Arissa) who passed away and would've been 26 years old.  Overall, Jason and Amanda have had more than 30 children in their home over the past 15 years, and they've parented their biological children, family members, adopted kids, as well as foster kids for more than 20 years.  To find out more about Jason, you can visit his website at https://fostercarenation.com or email him at jason@fostercarenation.com  -----------------  If you want to help us transform the lives of even MORE MEN for God's glory, please take a minute to leave us a helpful REVIEW on iTunes: http://www.rmcpodcast.com and SHARE this podcast with any young man (or men) you're mentoring or discipling. And make sure you don't miss an interview episode by signing up for our Man-to-Man eNewsletter at http://www.RealMenConnect.com, and grab your FREE copy of the Real Men Victory Tracker.    Are you stuck? Want to go to the next level in your marriage, career, business, or ministry?  Then maybe it's time you got a coach. ALL CHAMPIONS have one. Let me coach you to help you strengthen your faith, improve your marriage, spiritually lead your family, achieve more, balance your time, grow your ministry, or even stop an addiction. Click here for details: http://www.RMCfree.com    Also join us on: Join the Real Men 300: http://www.RealMen300.com Facebook Group: http://www.realmenuniversity.com/ YouTube: http://www.RealMenTraining.com Facebook: @realdrjoemartin Instagram: @realdrjoemartin Twitter: @professormartin  

The fear of the unknown- a scary thing we all face at one point of time. I don't think it gets easier, we're all human and I'm not sure if I would believe you if you walked around saying you had ZERO fear. But how you react to uncertainty can change which defiantly increases your ability to handle the situations with more confidence and faith. In this episode Arissa gives listeners 4 tips to implement now to know HOW to handle a season of uncertainty like The Girl Who Can   WHAT TO LISTEN FOR  - How to learn about your fears  - Why fear is actually a good thing  - How to trust yourself   CONNECT WITH ME  Instagram @TheGirlWhoCanPodcast @ArissaLujano Support TheGirlWhoCanPodcast@gmail.com

You have something to give to the people around you- in your words, your actions, your knowledge, the list can go on! You might feel passionately about a certain topic and want others to see how important it is...but for some reason people just aren't taking it as seriously or not taking YOU seriously. In this episode Arissa breaks it down WHY that might be and what you can do to be more aware of what might be going on so people can listen. This is not about impressing anyone or making it your life mission to have people respect you. At the end of the day its about having the confidence and respect for yourself.  THINGS TO LISTEN FOR - The Be-Do-Have Framework - Difference between having confidence and having an Ego  - Tips for speaking with more confidence    CONNECT WITH ME  Instagram @TheGirlWhoCanPodcast @ArissaLujano Email TheGirlWhoCanPodcast@gmail.com

Happy International Women's Day! What a day to celebrate YOU. Your life and who you are is meant to be recognized, it's a wonderful thing to be a girl and this episode is here to remind you of that. As the title of this podcast is "The Girl Who Can"; Arissa dives deeper into what that means and the definition of who that person is. The main elements she digs deeper into are confidence, being an action taker and never letting perfection take over.  THINGS TO LISTEN FOR  - How to build confidence, not earn it  - Importance of knowing action doesn't always mean saying yes - Remembering life doesn't get easier, you just get stronger   CONNECT WITH ME  Instagram @TheGirlWhoCanPodcast  @ArissaLujano  Email TheGirlWhoCanPodcast@gmail.com

How do I stay consistent? Probably the number one questions I get asked most often by clients. Often times we know what we "should" be doing or want to be doing- we just don't do it. It becomes a negative cycle of starting and stopping and never actually getting anywhere. Arissa lets you in on a secret that has helped her master consistency and take steps towards her goals to overcome the hard days, appreciate the good days, and everything in between. This episode hopefully will leave you feeling ready to reevaluate how you approach a task that you want to stick with. WHAT TO LISTEN FOR  - Redefining what it means to "Show up" - Identifying if the "All or Nothing" mindset is holding you back    CONNECT WITH ME  Instagram: @TheGirlWhoCanPodcast   @ArissaLujano Support: TheGirlWhoCanPodcast@gmail.com

Calling all the women!! Standing up for yourself should be a non-negotiable in your daily life. Sometimes we don't stand up for ourselves because we don't know how, we feel like we're going to seem too 'mean', or in the moment we just get a bit afraid. Whatever the reason is, Its time to change the narrative you have that asking for what you want is out of the picture. In this episode, Arissa gives shares the WHY and the HOW to standing up for yourself. This episode can leave you with tips to increase confidence and some things to try!  THINGS TO LISTEN FOR  - Body language and verbal tips to stand up for yourself  - Importance of knowing your values/morals FIRST in order to stand up for yourself  - Being proactive vs. reactive  CONNECT WITH ME  Instagram: @TheGirlWhoCanPodcast @ArissaLujano Support: TheGirlWhoCanPodcast@gmail.com

Your friend calls you to celebrate her new job offer, new relationship- something you've been wanting and waiting for. You so desperately want to be happy for her but there's this underlying feeling of jealousy and wishing that was you. Then thoughts like "When is this going to happen for me?" "Is there something wrong with me?" might creep in. In this episode Arissa talks though how to see your friends wins as your wins and how you can see their wins as a source of inspiration and reframe your thoughts to beat jealousy.    THINGS TO LISTEN FOR - How to cheer yourself on so then you can also cheer others on  - Importance of being clear on your goals so then you know what you are working on  - Challenge yourself to notice what you are doing or do have. - What people, thoughts, and things are holding you back?   CONNECT WITH ME  Instagram @TheGirlWhoCanPodcast   @ArissaLujano Support TheGirlWhoCanPodcast@gmail.com

I think theres something so empowering as a women to feel strong in her body. When i workout- I workout to feel strength. This strength I embody in my workouts I've seen transfer outside of the gym to my life mentally how I approach situations. Strength isn't about what you look like or how much weight you can lift or the type of workout you do. In this episode, Arissa strips health and fitness back to what the foundations should be so then you can physically show up and be strong. This conversation transfers out how you can also develop strength in your day-to-day life.    WHAT TO LISTEN FOR Strength is not a one-size-fits-all approach  Importance of the foundation your strength gets built upon  Key elements to include in your workouts for strength  CONNECT WITH ME  Instagram: @TheGirlWhoCanPodcast / @ArissaLujano  Support: TheGirlWhoCanPodcast@gmail.com    

There's this little voice in our head sometimes that tells us "You don't deserve this" , "What if this isn't going to last", "I shouldn't be this happy". And even if its not as blunt as that, there are some actions that we do that cause us to self-sabotage good things we have going on in our life. In this episode Arissa is direct and clear that you are the only person who can give yourself permission to be happy. She also brings awareness to what you might be doing now that preventing you from being happy and/or people you might be relying on to give you that permission. WHAT TO LISTEN FOR  How to receive and have a joy that almost can't be understood by others Importance of giving yourself permission to experience  You don't need a permission slip from others to be happy  CONNECT WITH ME  Instagram @TheGirlWhoCanPodcast Email TheGirlWhoCanPodcast@gmail.com

Public speaking- almost everyones biggest fear. But if you can master public speaking, you can master anything. When you get confident with what you're saying and how you say it this can be a game changer in how you go about your job, relationships, and relationship with yourself. In this episode Arissa talks through tactical tips on how to be more direct in your words, how to quiet that inner voice that is telling you your opinion doesn't matter, and the power YOUR voice has to create incredible things.   WHAT TO LISTEN FOR Ways to practice being a better communicator and public speaker daily  The importance of expressing your preferences and opinion  How to use your words to Influence  CONNECT WITH ME  Instagram @TheGirlWhoCanPodcast Support TheGirlWhoCanPodcast@gmail.com

The Holidays can bring happiness for a lot of people, but can also being a sense of loneliness for others. Girl, you're never alone. This episode is for everyone regardless if you are alone or feel surrounded by many. We chat about how being alone is actually so important to have a relationship with yourself. You should't spend time with people just for the sake of spending time with them, protecting your heart and energy partly is being selective who you allow yourself to be surround by. Arissa walks you through her difficulties of being alone and how she worked through them and why being alone first is actually essential to loving other people well.  THINGS TO LISTED FOR  Difference between being alone and feeling lonely  Concepts and how to romanticize your life How to lean into solitude and trust in the quiet when your life is busy CONNECT WITH ME  Instagram @TheGirlWhoCanPodcast Support  TheGirlWhoCanPodcast@gmail.com

As we head into the holidays and approach the new year, you might be thinking about goals you want to set. Is there something you've always wanted to do but are stuck in fear from taking action on it? Arissa talks about fear, where it comes from, and how to overcome it. A big focus in this episode is confidence- discussing self confidence vs true confidence and the differences. This is a must listen if you've even gotten trapped in the overthinking cycle that causes fear to take over.  WHAT TO LISTEN FOR  How the "manifesting" culture might be impacting you  How to identify what your fears are  Importance of Checking your heart before setting goals   CONNECT WITH ME  Instagram @TheGirlWhoCanPodcast Support TheGirlWhoCanPodcast@gmail.com

Rejected by a job? Rejected on a date? Rejected by your friends? Not a fun feeling- it hurts, stings, sucks, all of the above. It's inevitable that you're going to go through one rejection or ten at some point. Sometimes it feels like it's never ending. In this episode Arissa shines light on this topic to give you a new perspective on how you can youse your rejection as a redirection to what you want. Also gets real honest about how we have to walk through the rejection and face the hurt and why thats actually so much more beneficial. THINGS TO LISTEN FOR  - How to not give rejection the power over you - Remember you aren't responsible or changing the people that facilitated the rejection  - Toxic positivity and how to avoid it    CONNECT WITH ME  Instagram: @TheGirlWhoCanPodcast  Support: TheGirlWhoCanPodcast@gmail.com

Today we step into Arissa's world of health and nutrition, Arissa is a Registered Dietitian and has coached hundreds of women to lose weight, gain energy, gain strength, and more! It goes far beyond the scale however. We talk about the importance of your health as it relates to your productivity, setting goals, and overall consistency.  WHAT TO LISTEN FOR  How to determine if you're ready to set health goals  The importance of focusing on HOW you do things vs WHAT you do  How you can finally see the results you want in your health CONNECT WITH ME  Instagram @TheGirlWhoCanPodcast Support TheGirlWhoCanPodcast@gmail.com

Derrick Kosinski & Scott Yager are joined by Arissa, Trishelle, Veronica, Yes, Tina, Wes & Cara Maria! This is Part 1 of the Challenge Mania Hall of Fame Induction Ceremony for the class of 2022. First up, It's Arissa & Trishelle inducting their Vegas Housemate ALTON WILLIAMS. Then Hall of Famer VERONICA PORTILLO joins us, inducted by Tina & Yes. Plus some special surprise guests along the way!To win a copy of How To Win the Challenge & Life, listen to the podcast and follow the instructions!For FREE SHIPPING on www.TaylorChipCookies.com use the code MANIAFor weekly Bonus Podcasts on Ride or Dies, head to www.Patreon.com/ChallengeManiaFor tix to our events in BALTIMORE, VEGAS & MIAMI head to www.ChallengeMania.LiveFor SWAG head to www.ChallengeMania.Shop

Why so serious? It's time to start breaking down those walls that hold you back from reaching your full potential. Do you feel like you constantly worry about the small things, constantly explain yourself, you're strict with yourself, or you avoid activities out of your comfort zone? Its time to loosen up and get a bit more freedom into your life! In this episode Arissa walks you through her struggles she's had with this and six steps you can take to overcome the cycles that might be taking energy and life away from you!   THINGS TO LISTEN FOR  How focusing too hard on your goals can actually make you less productive  The 5x5 rule  How to fail on purpose and the benefits of it   CONNECT WITH ME  Instagram @TheGirlWhoCanPodcast  Support TheGirlWhoCanPodcast@gmail.com

Derrick Kosinski & Scott Yager are joined by Arissa, Trishelle, Tina, Veronica, Yes, Wes, Mark, Emily L, Paulie, Cara Maria, Nehemiah, Brad, Jacquese & Randy! To hear THE ENTIRE UNCUT AUDIO of the Challenge Mania HOF Ceremony head to www.Patreon.com/ChallengeMania and become a Maniac-Level Patron or above.www.ChallengeMania.Live for TIX TO ALL OUR SHOWS including San Diego this Saturday, October 8th!www.ChallengeMania.Shopwww.TaylorChipCookies.com for the BEST COOKIES EVER! Use the code MANIA for FREE SHIPPING!!!

Weather you're moving to a new city and trying to find friends, can't seem to find your gang, feel like you've been burned from toxic friendships in the past, struggle to trust other girls, are in introvert, are too busy to make time to hangout with friends- the list can go on about how finding solid friends is hard as you get older. In this episode Arissa talks through her journey to discover people who help her grow and she can also have fun with.  WHAT TO LISTEN FOR  The Red Flags of a toxic friendship that might be sucking the life out of you  The Green Flags of a healthy friendship that produces fruit in your life The difference between being alone and feeling lonely  CONNECT WITH ME  Instagram @TheGirlWhoCanPodcast Support TheGirlWhoCanPodcast@gmail.com

Do you feel like sometimes there's just more you could be doing? There's more out there for you? In this episode we get real honest with WHY you think thats true for yourself and the real truth about how our current goals for our lives might be actually motivated by fears, insecurity, or self-worth. There is room for you to take more risk in your day-to-day life, and Arissa talks about how thats not as intimidating as you think.   WHAT TO LISTEN FOR  Are your goals only impacting your world or are they changing the world  Small risks lead to big risks Risks you take will confuse the people around you CONNECT WITH ME  Instagram @TheGirlWhoCanPodcast Support TheGirlWhoCanPodcast@gmail.com

The bad moment turns into a bad day, which turns into a bad week, which turns into a bad month. Oh no, how did you get here? Its normal to have bad days, bad moments- this is an episode reminding you that you're human and around here we don't expect you to be perfect and this is permission to stop holding yourself to that standard too. If you feel shame, guilt, pressure, or constantly just brush the bad day under the rug than this episode is for you. Arissa talks about her own bad days and how she navigates them to use them to help recognize the better days too.   WHAT TO LISTEN FOR  What is toxic positivity and how to spot it  Why its important to know why you had a bad day and not just brush it under the rug The importance of being kinder to yourself  CONNECT WITH ME  Instagram @TheGirlWhoCanPodcast  Support TheGirlWhoCanPodcast@gmai.com

Happy Birthday to our Podcast host- Arissa Lujano! In this episode Arissa sits down with herself (lol) and reflects on the past year as a 27yr old. The ups, the downs, the messy middles, and the highlights. Birthdays don't have to be so scary, it's an opportunity to reflect, learn, and grow from the "oops" moments and look forward to what's in store. Tune in for a party episode to learn more about your podcast host and what makes her feel like "The Girl Who Can".   WHAT TO LISTEN FOR https://www.instagram.com/arissalujano/ How the lowest moments are needed in order to recognize good opportunities How Arissa prioritizes her health as a Registered Dietitian  Why Arissa pledges to be honest when she is 28 and beyond CONNECT WITH ME  Instagram @TheGirlWhoCanPodcast  Wish Arissa a Happy Birthday on her personal Instagram!! @ArissaLujano Support: TheGirlWhoCanPodcast@gmail.com

Arissa Hill (Taurus sun, Gemini moon, Capricorn rising) of MTV's The Real World: Las Vegas and various seasons of The Challenge (including season one of All Stars) joins Andy for a birth chart reading and interview. In this candid conversation, Arissa talks about her challenging upbringing that motivated her to make a life of her own at the age of 18, her experience filming The Real World: Las Vegas (including a disturbing discovery that almost paused production one month into filming), what it was like returning to "real life" after being on one of the most watched seasons of The Real World, and how her life path has evolved over the last decade. Andy points out the various innate gifts in her birth chart, which Arissa has recently started to delve into more deeply and, as she puts it, resulted in the death of old Arissa most fans know. Andy also takes a look at the current and upcoming astrological cycles affecting Arissa -- including what Andy describes as the "life-changing" two-year period Arissa is currently navigating. Learn more about astrology and Arissa Hill in this chart & chart episode!

We've all been in that "funk"...you know, where you might be procrastinating or pushing off that project you said you wanted to start; or getting back into the gym, or getting together with your old friend; or meal prepping for the week. The motivation just isn't there! So, the big question is- how do you stay motivated? Where does motivation even come from? And HOW do I make it last forever? Well, this episode is for you! But you might be surprised at Arissa's answer because she tells you NOT to rely on motivation all the time. Tune in to hear what works even better that motivation. WHAT TO LISTEN FOR The importance of saying "I don't know" Why you must pour into yourself first before you give out your energy  If you're the smartest in the room, you need to get out. CONNECT WITH ME  Instagram @TheGirlWhoCanPodcast  Support TheGirlWhoCanPodcast@gmail.com

So you've been waiting, hoping, wishing, asking for something and....nothing. Feels like you've been patient and the thing or season that you want to happen so bad just isn't coming as quickly as you want or expected. I've been there- and it doesn't feel fair and that might lead to feelings of disappointment and frustration. In this episode, we talk about how to make the most out of your waiting season and search your heart to remember the waiting season is just as important as what you're hoping for. Arissa talks about how to even check your intentions around what you're asking for because being present in your current season might offer you so much more if you're open to experiencing it.   WHAT TO LISTEN FOR  The importance of checking your intentions around what you're 'wishing' for Why you might feel 'stuck' in this season of waiting  How to put enjoyment back into your 'right now'   CONNECT WITH ME  Instagram @TheGirlWhoCanPodcast Support TheGirlWhoCanPodcast@gmail.com

Rebinging Star Trek DS9: A Simple Investigation Hello Star Trek fans! Welcome to Season 5 episode 17 of Rebinge Deep Space Nine: A Simple Investigation! Time for Odo to get a girlfriend and it's played by a very human-looking alien named Arissa played by Dey Young. But, of course, nothing is truly simple because Arissa has a couple of big secrets. A Simple Investigation Odo meets a woman in Quark's bar and after she pays him a compliment, Odo seems to fall head over heels in love with her. After a few missteps, Odo does get the girl, but there are a lot of secrets for him to uncover. Ultimately it's a bit of a tragic love story for Odo but he does finally get to make out someone which seems to make him very (briefly) happy. What's this rebinge thing? It's a re-watch of a thing you've already seen but love to watch and talk about. We go deep with every episode, walking you through every scene and analyzing all of the characters and story lines. Please listen to some of our favorite episodes like Duet, The Visitor or Rejoined or our VERY SPECIAL episode: Star Trek First Contact. And be sure to listen to our previous episode S5E16: Doctor Bashir, I Presume. Next time... Join us next week for S5E18: Business as Usual. Be sure and join our Facebook group and Follow Rebinge It on Twitter! Email us at rebingeit@gmail.com.

Live to work or work to live? How about ENJOYING LIFE while ENJOYING what you do?! Sounds too good to be true, I know. Work is something we all have and it can be easy to attach out identity and sometimes our self worth to. How well we are performing, how fast we can get promoted, how much we get paid, etc. But in this episode Arissa talks about putting purpose back into your work, getting creative with your projects by utilizing your gifts, and how to remember you are valued so much more than by what your job title is. It's important to work hard and have personal and professional goals but you also have one life to live and this episode is a reminder to not let that pass you by.  THINGS TO LISTEN FOR Importance of experimenting and using your strengths and gifts to be creative at work  Make decisions based off truth not feelings  Finding a passion outside of your "work" CONNECT WITH ME  Instagram @TheGirlWhoCanPodcast Support TheGirlWhoCanPodcast@gmail.com

Do you feel like sometimes you get stuck in comparison? There is this fear that takes over from you doing that thing that you've always wanted to, or you don't speak up because you're afraid of what people will say, or you're stuck in not taking action because there is a lack of confidence you don't know how to shake off. You're not alone. And I completely understand feeling fear take over isn't fun. In this episode Arissa walks you through how to get out of this limiting mindset. Because you can gain the confidence, security, and boldness to get out of your head and into your life! WHAT TO LISTEN FOR  - The results of inaction in your life and where that comes from  - Approaching your thoughts with curiosity vs. judgement  - What to do to be The Girl Who Can vs The Girl Who Is Stuck   CONNECT WITH ME  Instagram @TheGirlWhoCanPodcast Support TheGirlWhoCanPodcast@gmail.com

Setting goals equals success, right? Well, not always. We hear all the time to set goals daily, weekly, monthly and successful people are those who set goals and when you reach your goals that equals happiness. This can be overwhelming, and we can get stuck in a place of making goals, not really sticking to them, feeling guilty, and then the cycle repeats. In this episode Arissa talks about how we can get over this slump and why she thinks it happens so often in the first place. Whether your goal is to open a business, lose weight and be healthy, or even stop saying yes to everything- this episode is for you.    THINGS TO LISTEN FOR Why being flexible with your goals is the key to success  Not everyone is going to understand your definition of success so that's permission to put action steps into the goals you see to be important to you How to set goals that align with your values  Saying "no" could actually be a key to success    CONNECT WITH ME  Instagram: @TheGirlWhoCanPodcast  Support: TheGirlWhoCanPodcast@gmail.com

Any control freaks out there? Whether you like planning things out in your calendar or want to make sure you've got the steps in place to control what job you get, the way your friends treat you, or where you're going to be living. We all like to have a sense of control over the circumstances in our life. Reality check, things don't always go as planned. Im sure you've been there before- disappointment sets in when the expectations aren't met. Arissa talks about how control might be keeping you in your safety bubble so much that its preventing you from having full faith in believing in the impossible over your life and dream bigger.    In this episode Arissa opens up on her recent move from California to Texas, losing a job, and how things didn't go as planned but how she chose to react to the circumstances.    THINGS TO LISTEN FOR - How control is really an illusion  - The importance of surrendering to perfection  - You cant control the circumstances but you can control how you respond to them   CONNECT WITH ME  Instagram: @TheGirlWhoCanPodcast Support: TheGirlWhoCanPodcast@gmail.com  

Have you ever been in a situation that on paper seems good but just doesn't feel right? There's something that just feels off and at the end of the day isn't serving you anymore. Or maybe you're someone who gets bored easily and goes from one thing to the next. This episode is for you, Arissa talks through her own struggles of pursuing two Masters degrees, multiple full time jobs, and having a personal life on top of that and how she still felt unfulfilled at the end of the day. There is a constant pressure to overachieve and be on top of the next best thing that Arissa gets real about how exhausting that can be. This episode is a reminder that you're here to live the narrative of your life, not anyone else's.   THINGS TO LISTEN FOR How to identify a distraction vs. an opportunity  The importance of using your gifts for good that help serve others around you and add to your purpose Breaking free from highlight reel culture and the pressures to overachieve in every aspect of life CONNECT WITH ME  Instagram @TheGirlWhoCanPodcast  Support TheGirlWhoCanPodcast@gmail.com   

Starting something new can be scary, and one of the biggest ways to have the confidence and peace that you're heading in the right direction is to have faith. When times are tough or you're going through a season of uncertainty, it can be easy to want to control everything around you hoping things will go back to normal. But in reality, thinking you're in control of everything might lead to disappointment and a lack of authenticity. This, is where faith comes in. In this episode, Arissa sits down and talks to Gianna Larios- mom, wife, worship leader, and owner of Agape Gold Events. We chat what it means to follow a God-led calling over your life and how to keep faith at the forefront of your success and day-to-day life. This is a refreshing conversation that highlights that you don't need to have it all figured out right now. Stepping out in faith is knowing God will provide along the way and part of being 'The Girl Who Can'.    WHAT TO LISTEN FOR When you're uncomfortable sometimes that means you're going in the right direction  Using your faith to overcome imposter syndrome and a perfection mindset  Focusing on the path that God is putting you on not the one you're trying to create/control  CONNECT WITH ME  Instagram @TheGirlWhoCanPodcast  Support TheGirlWhoCanPodcast@gmail.com CONNECT WITH GIANNA  Personal Instagram GiannaLarios Agape Gold Events Instagram Agape Gold Events Website    

Jamie welcomes Arissa Hill from The Real World: Las Vegas for an intuitive reading. Follow Jamie @jamiestein and check out his work at hollywoodreadings.com. Follow @missarissa. --- Support this podcast: https://anchor.fm/jamie-stein/support

What does it mean to be bold and courageous? Often, being bold can be mistaken for being "too assertive", "aggressive", or "not approachable". In this episode, Arissa shares a different view on being bold and why it's important for you to show up courageous in your work, home, and relationships. There is power in being kind and gentle as well, and this episode touches on how and why we are called to not only step into our strengths as a bold and courageous women but invest in ways that increase your posture in clarity, peace, and bravery. If you want to develop confidence and get clear on what you want, not being afraid of a "no", and want to lead- this one's for you.   THINGS TO LISTEN FOR Why it's important to be bold in your ask and courageous in your delivery of how you act and speak  B.O.L.D Characteristics which equal more confidence  Kindness, Clarity, and Gentleness is a big part of being bold and courageous  CONNECT WITH ME  Instagram @TheGirlWhoCanPodcast  Support TheGirlWhoCanPodcast@gmail.com

Social media can be exhausting, and you might not even realize its draining you from living a more intentional life. A lot of times, feelings of comparison and lack of motivation might be tied into how much time you're spending on social media. Arissa talks about her on relationship with social media and how it's led her to feeling 'not enough' and living for other people. And this is NOT a way to go through life, and in this episode we do a heart check to see if social media is a distraction for you. If it is, now is the time to take action and clean up how you're spending your time to do more things that give your life value.  THINGS TO LISTEN FOR Are you using social media to consume or contribute?  We might be unknowingly addicted to social media... how to know if this is you and what to do about it  Why living in a mentality that your life needs to be a "highlight reel" isn't real CONNECT WITH ME @TheGirlWhoCanPodcast @ArissaLujano Support  TheGirlWhoCanPodcast@gmail.com