Podcasts about artificial

Artificial intelligence is no longer a futuristic concept, it's a daily reality for millions seeking health advice. While these tools offer unprecedented access to information, they also introduce a new set of challenges that few are talking about. In this episode, I explore the hidden risks of relying on AI for health decisions, from its surprising inability to discern basic facts to the illusion of confidence it projects. Topics discussed: - The rise of AI in daily health decisions- When confident answers become dangerous- The surprising gaps in AI's knowledge- Why "agreeable" AI can be a problem- The source of AI's information (and misinformation)- The irreplaceable role of human judgment- Navigating health choices in the age of AI---------- ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠My Live Program for Coaches: The Functional Nutrition and Metabolism Specialization ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.metabolismschool.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠---------- [Free] Metabolism School 101: The Video Series⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠http://www.metabolismschool.com/metabolism-101⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠----------Subscribe to My Youtube Channel: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://youtube.com/@sammillerscience?si=s1jcR6Im4GDHbw_1⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠----------⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Grab a Copy of My New Book - Metabolism Made Simple⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠---------- Stay Connected: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram: @sammillerscience⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Youtube: SamMillerScience⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Facebook: The Nutrition Coaching Collaborative Community⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠TikTok: @sammillerscience⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠----------“This Podcast is for general informational purposes only and does not constitute the practice of medicine, nursing or other professional health care services, including the giving of medical advice, and no doctor/patient relationship is formed. The use of information on this podcast and the show notes or the reliance on the information provided is to be done at the user's own risk. The content of this podcast is not intended to be a substitute for professional medical advice, diagnosis, or treatment and is for educational purposes only. Always consult your physician before beginning any exercise program and users should not disregard, or delay in obtaining, medical advice for any medical condition they may have and should seek the assistance of their health care professionals for any such conditions. By accessing this Podcast, the listener acknowledges that the entire contents and design of this Podcast, are the property of Oracle Athletic Science LLC, or used by Oracle Athletic Science LLC with permission, and are protected under U.S. and international copyright and trademark laws. Except as otherwise provided herein, users of this Podcast may save and use information contained in the Podcast only for personal or other non-commercial, educational purposes. No other use, including, without limitation, reproduction, retransmission or editing, of this Podcast may be made without the prior written permission of Oracle Athletic Science LLC, which may be requested by contacting the Oracle Athletic Science LLC by email at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠operations⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@sammillerscience.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. By accessing this Podcast, the listener acknowledges that Oracle Athletic Science LLC makes no warranty, guarantee, or representation as to the accuracy or sufficiency of the information featured in this Podcast."

Artificial intelligence has become a powerful lens through which our assumptions about reality are being exposed. As machines increasingly mimic human reasoning, language, and creativity, they force uncomfortable questions to the surface: What actually defines personhood? Is intelligence merely computational, or is there something irreducibly spiritual about the human mind? Can meaning, morality, or belief be generated by algorithms alone—or do those things require transcendence? These are the kinds of questions that sit at the heart of the AITheist series, where technological progress becomes a testing ground for theology, not just innovation.To help us explore these tensions, we're joined today by Michael Svigel, professor of theological studies at Dallas Theological Seminary and author of the AlTheist trilogy. Through a blend of narrative fiction and serious theological reflection, Dr. Svigel invites readers to examine how artificial intelligence challenges Christian claims about the image of God, belief and divine authority. His work doesn't take sides in the technology debate—but does call people to think clearly, biblically, and faithfully about what it means to follow Christ in an age of intelligent machines.Visit http://lfbi.org/learnmore

Artificial intelligence is now being used to create Christian music, and it is topping the streaming charts. Some argue that AI Christian songs can be a tool for spreading the gospel. Some say the computer-created songs are from the devil. Can a song touch your soul if it is sung by something without a soul? Hear the biblical truth as Rick Burgess uses the power of the Bible to win the spiritual war going on around us on this episode of "Strange Encounters." Learn more about your ad choices. Visit megaphone.fm/adchoices

This past week, Iranian protesters were labelled “terrorists” and “saboteurs” by the state. That rhetoric was accompanied by an internet blackout and a surge in violence, with the death toll still unclear. Simultaneously, tensions between the United States and Iran escalated, raising the stakes in what has become one of the most serious political upheavals in the country in years. Contributors: Tohid Asadi – Correspondent, Al Jazeera English Narges Bajoghli – Assistant Professor, Johns Hopkins University Roxane Farmanfarmaian – Lecturer, University Of Cambridge Farzan Sabet – Managing Researcher, Global Governance Centre On our radar In the US, the shooting - in public - of a woman two weeks ago by immigration officers has spiralled into a case of outright lying that is remarkable even by the standards of the Trump administration. Ryan Kohls reports on how official accounts, allied media and even AI-generated spokespeople were deployed to defend the shooting. Cory Doctorow: The AI hype machine Artificial intelligence is routinely framed as unstoppable - a technology the world must adapt to, not question. But as companies invest hundreds of billions and the hype accelerates, scrutiny has fallen away. Cory Doctorow on who controls the story around AI and why past tech “revolutions” offer a warning. Featuring: Cory Doctorow – Author and activist

Lula voltou a criticar a inteligência artificial. O petista disse o seguinte sobre o tema nesta sexta-feira, 16, durante evento: “Vocês, mulheres, tomem cuidado com essa tal de inteligência artificial. Eles são capazes de tirar uma foto sua, sentada do jeito que você está aqui e colocar você pelada no celular", disse o presidente, falando em direção a uma mulher na plateia."É isso que é a inteligência artificial. Ela é capaz de tirar uma foto da Érica [deputada estadual], vestidinha do jeito que ela está, com a perna cruzada, e amanhã aparecer no celular a Érica no celular pelada aqui”, acrescentou o petista. “Então se preparem porque a podridão não está nem começando na inteligência artificial. E todos nós gostamos de coisas fáceis", concluiu Lula. Duda Teixeira e Magno Karl comentam:Papo Antagonista é o programa que explica e debate os principais acontecimentos do   dia com análises críticas e aprofundadas sobre a política brasileira e seus bastidores.     Apresentado por Madeleine Lacsko, o programa traz contexto e opinião sobre os temas mais quentes da atualidade.     Com foco em jornalismo, eleições e debate, é um espaço essencial para quem busca informação de qualidade.     Ao vivo de segunda a sexta-feira às 18h.    Apoie o jornalismo Vigilante: 10% de desconto para audiência do Papo Antagonista  https://bit.ly/papoantagonista  Siga O Antagonista no X:  https://x.com/o_antagonista   Acompanhe O Antagonista no canal do WhatsApp. Boletins diários, conteúdos exclusivos em vídeo e muito mais.  https://whatsapp.com/channel/0029Va2SurQHLHQbI5yJN344  Leia mais em www.oantagonista.com.br | www.crusoe.com.br Duda Teixeira e Magno Karl comentam:

Artificial intelligence is powerful, but what about natural intelligence? This hour, TED speakers explore the intrinsic genius in animal language, insect behavior, plant anatomy and our immune system. Guests include neuroscientist Greg Gage, computational neuroscientist Frances Chance, social psychoneuroimmunologist Keely Muscatell and environmental researcher Karen Bakker. We want to dedicate this episode to Bakker who passed away in August 2023, only a few months after giving her TED Talk. Her research and legacy continue to inspire. Original broadcast date: March 8, 2024TED Radio Hour+ subscribers now get access to bonus episodes, with more ideas from TED speakers and a behind the scenes look with our producers. A Plus subscription also lets you listen to regular episodes (like this one!) without sponsors. Sign-up at plus.npr.org/ted.Learn more about sponsor message choices: podcastchoices.com/adchoicesNPR Privacy Policy

Artificial intelligence is transforming every part of our lives, from how we work and communicate to how we make decisions. But as we hand over more control to algorithms, are we ignoring the ways our brains are actually being manipulated by these very systems? Our guest will be Jacob Ward, an award-winning journalist who's spent over two decades reporting on technology, innovation, and the hidden technological forces shaping modern life.     For more information, transcripts, and all episodes, please visit https://thisisyourbrain.com   For more about Weill Cornell Medicine Neurological Surgery, please visit https://neurosurgery.weillcornell.org    

Artificial intelligence (AI) is reshaping many aspects of our daily lives: from the way people are hired for jobs, to how housing applications are reviewed, to how government services are delivered in healthcare, education, and beyond. But while organizations of all kinds have been introducing AI systems into their core functions, there is uncertainty about how they are working — including who is on the receiving end of their benefits and harms. What do we need to know about AI and automated decision-making tools today? How can we better understand the technology's influence, and make informed decisions about where and how to use it? About 'Understanding AI'In the fall of 2025, The New York Public Library and Data & Society collaborated to present “Understanding AI,” a four-part live event series exploring the social implications of artificial intelligence and its impacts on democracy, the environment, and human labor. Featuring key figures in the AI ethics field, these events took place at the Stavros Niarchos Foundation Library (SNFL)in New York City as part of the library's7 Stories Up program, and are now available for all to watch.Revisit the series

Artificial intelligence technologies run on powerful computers that require vast amounts of energy, water, and critical minerals. As AI use grows, so does its environmental footprint. Yet there is little consensus on how to assess and address the technology's toll on the climate before irreparable damage is done. How can we understand the impact AI data centers have on communities and the environment? How can we ensure that communities are able to use empirical data about those impacts to fight back? About 'Understanding AI'In the fall of 2025, The New York Public Library and Data & Society collaborated to present “Understanding AI,” a four-part live event series exploring the social implications of artificial intelligence and its impacts on democracy, the environment, and human labor. Featuring key figures in the AI ethics field, these events took place at the Stavros Niarchos Foundation Library (SNFL)in New York City as part of the library's7 Stories Up program, and are now available for all to watch.Revisit the series 

No episódio especial desta sexta-feira (16), celebramos os 25 anos da Wikipédia em uma conversa exclusiva com o historiador Célio Costa Filho, cofundador da Wikimedia Brasil e editor da plataforma desde 2004. Célio compartilha uma visão única sobre a evolução da enciclopédia livre, detalha como funciona o sistema de revisão por pares e como a comunidade voluntária trabalha para garantir a confiabilidade das informações, transformando a Wikipédia em um pilar fundamental do conhecimento na internet. O bate-papo também aprofunda a complexa relação entre a Wikipédia e a Inteligência Artificial generativa. Você também vai conferir: Galaxy S26 Plus será praticamente o mesmo celular do ano passado; ChatGPT ganha tradutor para competir com o Google; Novas regras para obter a primeira CNH derrubam preços das autoescolas. Este podcast foi roteirizado e apresentado por Marcelo Fischer e contou com reportagens de Vinícius Moschen, João Melo e Danielle Cassita, sob coordenação de Anaísa Catucci. A trilha sonora é de Guilherme Zomer, a edição de Jully Cruz e a arte da capa é de Erick Teixeira.See omnystudio.com/listener for privacy information.

No décimo oitavo episódio do Hipsters.Talks, PAULO SILVEIRA , CVO do Grupo Alura, conversa com EDUARDO SANTOS , especialista em inteligência artificial na Lopti, sobre O VERDADEIRO SIGNIFICADO DE SOFTWARE LIVRE, a diferença entre free software e open source e POR QUE LLAMA E OUTROS MODELOS NÃO SÃO TÃO “ABERTOS” QUANTO PARECEM. Uma discussão sobre licenças (GPL, MIT, BSD), comunidades brasileiras e o futuro do código aberto na era da IA! Sinta-se à vontade para compartilhar suas perguntas e comentários. Vamos adorar conversar com você!

Dr. Anthony Jay breaks down the difference between natural and artificial estrogens, why testosterone is declining, and how chemicals in food, sunscreens, and plastics are disrupting hormone health. #HormoneDisruption #ArtificialEstrogens #TestosteroneHealth

Have you ever felt overwhelmed by AI? Like…. There's certain aspects of Artificial intelligence that you barely understand to begin with, yet you're expected to use it AND it's changing every day? I understand where you're coming from. It's literally my only job to use, build with and teach AI every day and that's all I've done now for 3 years, and even I find it hard to keep up. But don't worry. That's where the ‘Start Here Series' comes into play. If one of your focuses is better understanding AI in 2026 or if you're an expert looking to double down, this Start Here Series is for you. In our first volume, we're going back to the basics. Generative AI: How it works and why it matters in 2026 more than ever -- An Everyday AI Chat. with Jordan Wilson.Other Start Here Series EpisodesEp 691: Generative AI: How it works and why it matters in 2026 more than ever (Start Here Series Vol 1)(In the future, we'll update with other 'Start Here Series' episodes)Start Here Series Community Sign up: Follow the Start Here Series with free access to our Inner Circle CommunityMore on this Episode: Episode PageJoin the discussion on LinkedIn: Thoughts on this? Join the convo on LinkedIn and connect with other AI leaders.Upcoming Episodes: Check out the upcoming Everyday AI Livestream lineupWebsite: YourEverydayAI.comEmail The Show: info@youreverydayai.comConnect with Jordan on LinkedInTopics Covered in This Episode:Generative AI Basics and 2026 ImpactExplosive Growth of Large Language ModelsAI Adoption Rates in EnterprisesAI Agents and Operating Systems OverviewHistory and Evolution of Artificial IntelligenceTransformer Architecture and Model BreakthroughsHow Large Language Models WorkModern AI Capabilities: Multimodal ToolsQuantifying ROI for Generative AI InvestmentWorkforce Disruption and Future Job TrendsScaling AI: From Pilot to Enterprise-WideUrgency for AI Upskilling and Competitive AdvantageTimestamps:00:00 "Start Here: AI Guide Series"04:10 "Join Our Free Community"09:17 "AI Operating Systems for Businesses"11:05 "Partner with Everyday AI"13:00 "AI Evolution Over Decades"16:34 "ChatGPT's Transformative Impact"22:17 "Generative AI and Memory Evolution"26:03 "AI Delivers Exponential ROI"29:59 "AI Demand Surges, Hiring Drops"32:15 "AI Transforming CRMs Rapidly"35:01 "AISend Everyday AI and Jordan a text message. (We can't reply back unless you leave contact info) Ready for ROI on GenAI? Go to youreverydayai.com/partner 

Artificial intelligence is advancing rapidly—shaping how we write, teach, work, and even think. But how should Christians understand AI biblically and ethically?In this episode of the Sound Words Podcast, Pastor Aaron Nicholson and Pastor Jesse Randolph are joined by Dr. Peter Goeman, Associate Professor of Old Testament and Biblical Languages at Shepherds Theological Seminary and host of The Bible Sojourner. Together, they explore what AI is (and isn't), why it can never bear God's image, and where ethical boundaries must be drawn.Dr. Goeman is also the author of Artificial Intelligence and the Christian: Understanding AI's Promises and Pitfalls (https://amzn.to/4q3CUZ7), a timely resource helping believers think clearly about emerging technologies.This conversation addresses fears about AI consciousness, the ethics of using AI in ministry and counseling, the dangers of misinformation and deepfakes, concerns over privacy and data collection, and how AI can subtly shape human responsibility. Dr. Goeman helps believers think clearly—neither alarmist nor naïve—about using technology in ways that honor God and preserve biblical truth.00:00 Welcome to the Sound Words Podcast02:28 What is AI05:39 AI and the Image of God10:29 The Role of AI in Teaching/Preaching18:44 What We Lose and People22:59 Moral Concerns For Generated Content27:19 How is AI Shaping Our Thinking32:29 The Church and Using AI WiselyAn affiliate link is included in the description. We may earn a small commission at no extra cost to you—thank you for supporting Sound Words.Sound Words is a ministry of Indian Hills Community Church, a Bible teaching church in Lincoln, NE. Sound Words is also a partner of Foundations Media, a collective of Christian creators passionate about promoting biblical theology and applying it to everyday life. Learn more at https://foundationsmedia.org. Follow on Instagram Follow on Facebook Follow on YouTube Follow on Twitter Follow on Threads Visit https://ihcc.org

Artificial intelligence is no longer just a tool – it's becoming a force in the physical world. This special episode of The Optimistic Outlook highlights how industrial AI is moving beyond software to drive real-world impact. From factories and power grids to buildings, transportation systems, and even drug discovery, industrial AI is reshaping the systems that underpin everyday life.   You'll hear excerpts from Siemens President and CEO Roland Busch's CES keynote, including onstage conversations with leaders such as NVIDIA CEO Jensen Huang, Microsoft CEO Satya Nadella, PepsiCo Latin America CEO Athina Kanioura, and Commonwealth Fusion Systems CEO Bob Mumgaard. Together, they explore how digital twins, AI-powered simulation, and deep industry partnerships are already delivering measurable results—and setting the foundation for an industrial AI revolution.   Throughout the episode, Siemens USA Interim President and CEO Ann Fairchild provides context and commentary on what these breakthroughs mean for customers, industries, and society – and why Siemens is uniquely positioned to help scale industrial AI responsibly and impactfully.   Show notes Siemens CES Keynote with Roland Busch (Full video on YouTube) Siemens at CES 2026: Official Landing Page 

Artificial intelligence has arrived in the legal profession. In this special episode, Kyle and Katya examine AI's growing role in the world of law from criminal defense to M&A and much in between. Over the past few months, they've asked every guest a simple bonus question: How has AI affected your practice?The answers offer a window into a profession in transition—curious, conflicted, and actively determining AI's proper role in law. Practitioners share how AI streamlines document review and accelerates research, while candidly discussing serious limitations and risks. This highlights how lawyers are still learning to navigate the technology.Feature voices:Eric Bernheim, Episode 120, Behind the Lease: Supporting Restaurant Expansion Through Real Estate LawAlexis Taitel, Episode 121, From Clerkship to Private Practice: Research, Writing, and Challenging AssumptionsVenetia Mayhew, Episode 122, Second Chances: Rewriting Life Through ClemencyJoe Stephens, Episode 126, Trial by Algorithm: Helping Lawyers Navigate the AI RevolutionAsha Sharma, Episode 127, Administrative Hearings and Human Stories: Social Security Disability on the FrontlinesAudi Syarief, Episode 129, Trading in Gray Areas: How Sanctions Shape International BusinessRachel Frank, Episode 131, Understanding the Appeal: Supreme Litigation from First Draft to Oral ArgumentElise Bennett, Episode 133, Cool Little Dudes and Legal Battles: Environmental Protection from the Courtroom to the CommunityMolly Henry, Episode 137, Navigating International Waters: Arresting Ships and Managing Crises on the SeasMichael Kohagen, Episode 139, At the Center of the Transaction: Coordinating Business Deals from Start to FinishThis episode is hosted by Kyle McEntee and Katya Valasek.Mentioned in this episode:Colorado Law SchoolLearn more about Colorado LawAccess LawHub today!Loyola Law SchoolLearn more about Loyola Law School

Artificial intelligence would not be revolutionizing our work and personal lives without the countless essential components doing their work deep inside data centers powering this technology.In this episode of Our Connected World, TE Connectivity's Vishwas Rao, senior vice president and general manager for Digital Data Networks, discusses this fourth industrial revolution and the challenges being faced by the tech companies working to make it all possible.Key takeaways:Architectural complexity is increasing as data center owners experiment with new AI clusters that demand ultra-high-speed interconnects and specialized power and cooling systems.Server product cycles have shrunk from four years to just 18 months, forcing manufacturers to innovate and scale faster than ever before.With global demand rising, scaling operations quickly and reliably across regions is no longer optional—it's essential.

What if the most important people in a company are the ones no one talks about? They're the builders behind the scenes. The operators who organize chaos, fix what's broken, and quietly turn vision into reality. Scaling isn't glamorous — but it's essential. In this episode, we explore what it really takes to grow companies fast and smart, and how AI is accelerating the shift toward adaptable, cross-functional leadership. Casey Woo is a public market investor turned high-growth technology COO and CFO with more than two decades of experience helping companies scale. He's served as a six-time CFO and two-time COO across software, hardware, marketplaces, and eCommerce. He's also the founder and CEO of The Operators Guild, a global community of over 1,000 top operators, as well as FOG Ventures and Guild Talent — all built to support the people who actually make companies run. In this conversation, Casey breaks down what it means to be a "scaler," how AI is reshaping the value of specialization, and why operators are the backbone of every high-growth company. From Investor to Operator Casey shares his journey from Wall Street to Silicon Valley and why leaving a prestigious investing career was both terrifying and freeing. The money and status were there, but fulfillment wasn't. That realization pulled him into early-stage tech, where he discovered his true passion: building companies from the inside out. As an operator, Casey learned that scaling isn't about titles — it's about solving problems. Finance, operations, strategy, leadership — whatever the company needs, the role stays the same. That mindset eventually led to the creation of The Operators Guild, which began as a small breakfast group for overlooked CFOs and COOs and grew organically into a global community. Why AI Rewards the Elite Generalist Casey offers a practical take on AI — not as a threat, but as leverage for the right leaders. As AI replaces narrow, repetitive specialist tasks, the advantage shifts to people who can think horizontally, connect ideas, and move across functions with ease. Early-stage founders and operators are uniquely positioned to thrive in this environment, using AI as a team of "semi-specialists" to move faster and build smarter. Rather than abandoning your strengths, Casey encourages leaning into them — and using AI to amplify what you already do best. This is the rise of the modern business artist. Enjoy this episode with Casey Woo… Soundbytes 13:42-13:55 "Scalers are highly creative. They are generally impatient. They love the intellectual stimulation of organizing chaos, solving problems. So they run towards problems." 19:26 – 19:44 "AI literally is intelligence, right? Artificial intelligence. Right. So it's starting to be like a human and specifically, the easiest thing for it to start is anything specialized. Because anything specialized is homogenous." Quotes "Scaling is actually very nuanced. It's not just, 'Oh, finance needs a CFO.' No — you don't need a CFO at Series A." "Scalers are highly creative. They are generally impatient." "AI is moving the world away from hardcore specialists." "I could go to a corporate job, but my soul would die." Links mentioned in this episode From Our Guest Website: https://operators-guild.com/ FOG Ventures: https://fog.ventures/ Connect with Casey Woo on LinkedIn: https://www.linkedin.com/in/caseywoo Connect with brandiD Find out how top leaders are increasing their authority, impact, and income online. Listen to our private podcast, The Professional Presence Podcast: https://thebrandid.com/professional-presence-podcast Ready to elevate your digital presence with a powerful brand or website? Contact us here: https://thebrandid.com/contact-form/

Markets appear strong as we head into 2026, but beneath the surface, risks may be rising faster than returns. Each January, CEO and CIO of Crossmark Global Investments Bob Doll joins us on the show at Faith and Finance to offer an annual outlook, and this year he characterizes the environment as a “high-risk bull market”—a market capable of gains but vulnerable to setbacks and volatility.Looking back to 2025, Doll believes his predictions were roughly “seven out of ten.” Corporate earnings proved far more resilient than many expected, and with the Federal Reserve avoiding aggressive tightening, markets continued to climb. Earnings, Doll notes, remain the lifeblood of stocks: as long as profits grow and the Fed is not hostile, equity markets tend to trend upward.For 2026, Doll's first prediction is that U.S. real GDP growth will improve modestly—from about 2% to roughly 2.5%. He attributes much of that to a large government spending package passed in an election year, providing stimulus to both households and businesses.However, inflation remains stubborn. Doll does not expect the Fed to reach its 2% target unless a recession occurs—something he does not foresee. Instead, he anticipates inflation closer to 3%, making “affordability” a defining political issue, especially around healthcare and housing, where structural challenges remain unresolved.On interest rates, Doll expects the 10-year Treasury yield to fluctuate in a narrow range—from the high 3% area to the mid-4% area—while credit spreads widen modestly. For bond portfolios, he favors short- to intermediate-maturity bonds over long-duration bonds.Corporate earnings should remain strong in 2026, though not at the exceptional pace of 2025. With consensus forecasts near 14% earnings growth—almost double the historical norm—Doll expects solid but not spectacular performance. As a result, he anticipates single-digit stock market returns, not another year of outsized double-digit gains.Sector-wise, Doll sees continued strength in financials, technology, and communication services—areas tied closely to artificial intelligence—while materials, discretionary, and utilities may lag. International stocks could also surprise investors. If they outperform U.S. equities for a second consecutive year, it would be the first such streak in two decades. Stronger liquidity, improved earnings abroad (especially in emerging markets), and potential dollar weakness all contribute—even though many Americans invest little overseas.Artificial intelligence remains a powerful driver of productivity and market speculation, though Doll expects volatility as investors sort out the true winners and losers.Faith-based investing, he believes, will continue its momentum as more individuals, advisors, and institutions seek alignment between values and capital. Politically, Doll predicts Republicans retain the Senate but lose the House, constraining major legislative ambitions.If 2026 proves to be a high-risk bull market, Doll's takeaway is straightforward: remain diversified, stay invested, and practice patient stewardship through uncertainty.On Today's Program, Rob Answers Listener Questions:My husband and I are at retirement age, and we have four retirement accounts: three from former employers and one Vanguard IRA. Altogether, there's about $200,000. Should we consider consolidating these accounts? And if so, is it best to consolidate them into the Vanguard IRA?My husband and I are both 70. He's retired, and a cancer survivor, and I'm still working and may work another five years. Our home and vehicles are paid off, and we have about $350,000 saved—roughly half in CDs and the rest in cash. I don't really know anything about stocks or bonds. Should we take any risk with our money at this stage, or leave it where it is?Resources Mentioned:Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner)Crossmark Global InvestmentsThe Sound Mind Investing Handbook: A Step-by-Step Guide to Managing Your Money From a Biblical Perspective by Austin Pryor with Mark BillerWisdom 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)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Spend just a few moments watching a video on social media, and an AI algorithm assumes you like it—then starts feeding you more of the same, for better or worse.   Here's the funniest thing: our reality works exactly the same way.   Artificial intelligence isn't inventing anything new—it's mimicking how the universe already works. Life responds mathematically and precisely to what we give our attention to. In that sense, our lives can become echo chambers. What we focus on, we get more of.   So how hard is it to start a new and improved algorithm that brings you what you really want in life?   It's just as simple as it is online: choose different content.   The fastest and most effective way to shift your personal algorithm is through gratitude. When you become genuinely grateful for what you already have, you begin receiving more experiences to be grateful for. Gratitude tunes you into the same frequency as the good you desire.   The key is to give your attention to what you truly desire and resist the temptation to give any attention on what you do not desire—because the algorithm (or the universe) will faithfully match it.   On today's episode of Funniest Thing!, Darrell and guest Jeff Spikes share the practical ways they have each started a new and improved algorithm when life wasn't reflecting what they wanted.   Today's affirmation: “I think a new thought, and the Universe cheerfully responds.” Join the Prospering Patreon Community:  www.Patreon.com/FunniestThing

Artificial intelligence has become a critical enabler across NASA. Deputy CAIO Krista Kinnard discussed its impact on engineers using "text-to-structure" capabilities, the design for stronger spacecraft components, program managers optimizing complex schedules and HR teams streamlining operations. NASA's approach to AI represents a cultural shift from the agency's historically siloed structure to one emphasizing cross-pollination and collaboration. Kinnard explained how the agency consolidating its AI infrastructure across all 10 NASA field centers nationwide. She also discussed how NASA is forming partnerships with industry, academia and emerging AI startups to stay at the forefront of innovation.

Artificial intelligence is reshaping the future of industrial operations — driving efficiency, precision, and safety like never before. In this episode of Cisco Champion Radio, we explore how AI-powered innovations such as data processing, machine vision, and robotics are revolutionizing industrial environments. Our experts discuss what it takes to support this transformation — from robust, low-latency networking to stronger cybersecurity and seamless collaboration between IT and OT teams. Discover how Cisco solutions like Cyber Vision enhance visibility and security across production networks, why compliance with frameworks like NIST and IEC 62443 is critical, and how targeted use cases are driving real success in modern industrial systems. Tune in for a practical look at how AI, automation, and security are converging to power the next generation of industrial operations. Resources Cisco guest Paul Didier, Internet of Things Solution Architect Champion hosts Len Ledford, Architect II, Advisor Services, Insight Ibrahim Ramku, Network & Security CTO, TD-K A/S Jonathan Mahady, Principal Network Engineer, BHP Moderator Danielle Carter, Customer Voices and Cisco Champion Program

The ISF Podcast celebrates 10 years this year. Over the decade that we've been in your ears every week, Steve has interviewed a lot of fascinating people: visionary business leaders, neuroscientists and physicists, world leaders, and formerly notorious cyber criminals, just to name a few. We have touched on topics like AI, the human mind, cyber resilience, leadership, and the future of technology and society. So, to kick off 2026, we wanted to give you a look back, highlighting the very best of this first decade of the ISF Podcast. And don't worry – we'll link all the episodes in the show notes. Check out our favorite episodes from the last 10 years: Mo Gawdat - Rethinking the Paradigm of Artificial and Human Intelligence Brian Cox — Intellectual Honesty & Learning to be a Leader Hannah Fry - What Data Can & Can't Tell Us About Ourselves Peter Hinssen - The Never Normal Inside the Mind of Today's Cybercriminals (Brett Johnson, Part 1) Steve Wozniak In Conversation with Steve Durbin Captain Tammie Jo Shults - Habits, Hope and Heroes in a Time of Crisis Sadie Creese — Minimising Your Attack Surface Sir Bob Geldof — Challenging Orthodox Thinking Bonus Episode: Reggie Butler — Bringing Your Home to Work Read the transcript of this episodeSubscribe to the ISF Podcast wherever you listen to podcastsConnect with us on LinkedIn and TwitterFrom the Information Security Forum, the leading authority on cyber, information security, and risk management.

Artificial intelligence is transforming every corner of real estate—from how we analyze deals to how we manage tenants, leads, and operations. But most investors still don't know where to start. In this episode, Brian Hamrick talks with Clay Lehman, a longtime investor, property-management expert, and AI educator who helps entrepreneurs and agents use today's tools to save time, make better decisions, and grow their business. You'll learn: The fundamentals vs. hype of AI in real estate investing How to use Google Gemini, Notebook LM, and Claude for research, analysis, and automation Ways to map your ideal client using AI and psychographic data How to build AI-driven processes that improve communication, marketing, and customer service What's coming next: agentic AI tools like Manus and Comet that can complete multi-step tasks for you Clay also shares real-world use cases—how he runs a title company with AI assistance, automates team training, and even experiments with voice and text AI agents to follow up with leads. Whether you're an investor, property manager, or agent, this episode will show you practical ways to start integrating AI today and stay ahead of the curve in 2026. Find out more: www.imclaylehman.com www.facebook.com/claylehman www.facebook.com/unstuckai Today's episode is brought to you by Green Property Management, managing everything from single family homes to apartment complexes in the West Michigan area. https://www.livegreenlocal.com And RCB & Associates, helping Michigan-based real estate investors and small business owners navigate the complex world of health insurance and medicare benefits. https://www.rcbassociatesllc.com

This episode of Excess Returns features a wide ranging conversation with Grant Williams on what he calls the hundred year pivot. Grant explains why today's environment feels fundamentally different from the last several decades, why long held investing assumptions may no longer apply, and how declining trust in institutions, money, and markets is reshaping the global financial system. Drawing on history, macroeconomics, and decades of market experience, the discussion explores what this transition means for investors trying to navigate a world defined by uncertainty, volatility, and structural change.Main topics covered• What the hundred year pivot means and why it represents a once in a generation shift• The Fourth Turning framework and how it connects financial crises, politics, and social change• Why buy the dip worked for decades and why it may fail in the years ahead• The erosion of trust in institutions and its impact on markets and money• The financial crisis, sanctions, and the freezing of sovereign assets as turning points• The role of the dollar, gold, and central banks in a changing monetary system• Lessons from history including Bretton Woods and the Suez crisis• Why commodities and real assets matter in a world of deglobalization and reshoring• How artificial intelligence fits into the current investment cycle and capital allocation boom• Portfolio construction and behavioral challenges in a higher volatility environmentTimestamps00:00 The hundred year pivot and why this cycle is different01:30 Defining the Fourth Turning and historical cycles07:40 The financial crisis as the start of institutional breakdown11:00 Sanctions, sovereign assets, and the end of unquestioned trust in the dollar18:20 Historical parallels from Bretton Woods and the Suez crisis24:50 What could trigger a broader monetary reset28:50 Energy, geopolitics, and shifting global alliances35:00 Commodities, real assets, and rebuilding supply chains42:40 Artificial intelligence, capital cycles, and uncertainty52:30 Portfolio construction, behavior, and risk tolerance59:50 Where to follow Grant Williams and his work

Robert F. Kennedy, Jr.'s “Make America Healthy Again” agenda may be polarizing when it comes to policies around vaccines and autism, but there is bipartisan interest in his goal to ban artificial food dyes. This year New Hampshire legislators are bringing that mission to the state level. Listen as hosts Anna Brown and Mike Dunbar, of Citizens Count break it down in  $100 Plus Mileage. This podcast is produced in partnership with Citizens Count, Granite State News Collaborative and The Marlin Fitzwater Center for Communications at Franklin Pierce University.

DekNet TECNOLOGIA y LIBERTAD -------------------------- twitter.com/D3kkaR #Bitcoin BTC: dekkar$paystring.crypt https://t.me/+0W_fPQXXOFAyNzE8

Dutch & Tena review the film 'The Pod Generation,' which presents a dystopian future where technology and artificial intelligence have taken over the reproductive process. The film raises critical questions about the natural versus artificial in parenthood, as couples opt for "pod babies" instead of traditional pregnancy. Fictional future or approaching reality? Tune into the discussion! Become a supporter of this podcast: https://www.spreaker.com/podcast/the-realist-the-visionary--3304218/support.Check out our website:https://www.therealistthevisionary.comBecome a supporter of this podcast: https://www.spreaker.com/podcast/the-realist-the-visionary--3304218/support.Follow us on IGFollow Us on TikTok

Episode 30 of The Art of Teaching Business podcast!Artificial intelligence (AI) is everywhere—and students are already using it. In this episode of the Art of Teaching Business podcast, I share 10 essential tips for teaching teens to use AI cautiously, ethically, and responsibly. Learn how to frame AI as a tool (not a decision-maker), protect student privacy, address bias and ethics, and help students use AI to support learning without replacing critical thinking.If you liked this episode, throw me a like and leave a comment!Visit my website at ⁠⁠http://www.business-ed.com⁠⁠.THANKS FOR LISTENING!-Denise Leigh

Artificial intelligence is usually discussed in terms of speed, innovation, and efficiency. But far less attention is given to what these systems are doing to the human mind, to dependence, and to how power quietly shifts when decisions become automated. In this episode, we don't focus on code, charts, or technical jargon. Instead, we step back and examine how AI-driven systems normalize surveillance, condition behavior, and reshape what people come to accept as “just the way things are.”More importantly, we look at these developments through the lens Scripture gives us — not with panic or sensationalism, but with clarity and discernment. This is a conversation about infrastructure before enforcement, dependency before coercion, and why Christians are called to recognize patterns without surrendering peace. The world may be accelerating, but Christ remains sovereign — and that truth anchors everything.

Artificial intelligence developers are offering more agentic tools to help workers get more done at this year's Consumer Electronics Show. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Turn online alignment into an offline community — join us at TheWayFwrd.com to connect with like-minded people near you.We obsess over food and supplements. Meanwhile, the light we live under every day is quietly wrecking our biology.In this episode, I sit down with Matt Maruca, founder and CEO of Ra Optics, to discuss how artificial light, blue light, and disrupted circadian rhythm quietly impact energy, sleep, and long-term health. Matt shares how a years-long personal health journey led him to study circadian biology and the essential role light plays in human physiology.We explore why modern indoor environments are so biologically mismatched, how LED lighting and screens affect mitochondrial health, and why sunlight is powerful but not something to mindlessly overdo. Matt also explains how light influences hormones, mental health, and recovery, and why most wellness conversations miss this entirely.Beyond the science, we touch on Matt's broader work teaching how to think differently about light exposure, health, and performance.If you're interested in biohacking, sleep optimization, blue light, or understanding why your nervous system feels constantly overstimulated, this episode will shift how you see your environment.You'll Learn:[00:00:00] Introduction[00:08:02] Matt's childhood health struggles, and the discovery that changed everything[00:12:23] Diet alone can't fix your health, so what is at the root of chronic disease?[00:16:34] The fourth phase of water inside your cells and why 40% of sunlight is designed specifically to structure it[00:18:33]  The devolution of artificial light — from fire-like incandescents to blue-heavy, infrared-stripped “junk light” LEDs[00:39:16] Blue light, your circadian rhythm and mental illness[00:45:22] Why "more sun is better" is wrong[00:57:15] How a chance encounter at an event turned a garage tinting operation into Ra Optics[01:13:19] Why traditional sunglasses blunt the health benefits of sunlight, and the lens innovation designed to fix that[01:20:58] What makes Ra Optics different from other blue light blocking glasses on the market[01:30:02] Why doing all the right things still left Matt miserable, and the event that created a huge shift[02:09:27] The hidden problems with "circadian bulbs" on the current market[02:20:12] How to protect your light environment and stay healthy while travelingResources Mentioned:The Way Forward episode on the Hidden Dangers of EMFs, Artificial Light, & Wifi (How To Avoid Them) featuring Tristan Scott | YouTubeThe Way Forward episode on Circadian Biology, Leptin, & Light featuring Sarah Kleiner | YouTubeThe Life Stylist episode on Extreme Biohacking: Millennial Edition with Matt Maruca | Listen NowA mitochondrial paradigm of metabolic and degenerative diseases, aging, and cancer: a dawn for evolutionary medicine by Wallace, D | ArticleThe Fourth Phase of Water by Gerald Pollack | Book or AudiobookThe Hard Thing About Hard Things by Ben Horowitz | Book or AudiobookThe Lean Startup by Eric Ries | Book or AudiobookThe 4-Hour Workweek by Timothy Ferriss | Book or AudiobookAutobiography of a Yogi by Paramhansa Yogananda | Book or AudiobookSouth: The ENDURANCE Expedition by Ernest Shackleton | Book or AudiobookSaunaSpace | WebsiteFind more from Matt:The Light Diet Podcast | Spotify or AppleThe Light Diet | InstagramRa Optics | InstagramFind more from Alec:Alec Zeck | InstagramAlec Zeck | XThe Way Forward | InstagramThe Way Forward is Sponsored By:New Biology Clinic: Redefine Health from the Ground UpExperience tailored terrain-based health services with consults, livestreams, movement classes, and more. Visit www.NewBiologyClinic.com and use code THEWAYFORWARD (case sensitive) for $50 off activation. Members get the $150 fee waived

Part II of a Christmas timed (not themed) podcast with The Dopefiend/Vapefiend. 

Sponsor Links:This episode of Space Nuts is brought to you with the support of Antigravity A1. Experience the future of flight with the world's first all-in-one 8K 360 drone. With intuitive controls and immersive goggles, the Antigravity A1 redefines what it means to fly. Check it out at AntigravityA1.This episode is brought to you with the support of NordVPN. When you really need to do something about your online privacy, go with the best...NordVPN. Get our extra 4 months free offer by visiting Nordvpn.com/spacenutsNew Year, New Discoveries: Expandable Space Stations, Martian Caves, and Rogue PlanetsIn this exciting New Year edition of Space Nuts, hosts Andrew Dunkley and Professor Fred Watson kick off 2026 with a bang, discussing groundbreaking developments in space exploration and astronomy. From innovative proposals for expandable space stations to intriguing discoveries on Mars, this episode is packed with cosmic insights.Episode Highlights:- Expandable Space Stations: Andrew and Fred dive into a fascinating proposal for an inflatable space station that could expand to be larger than the International Space Station. They explore the technology behind this concept and its potential implications for future space tourism and research.- Strange Caves on Mars: The duo discusses recent findings of unique caves on Mars that may have formed through water-driven processes. These caves could provide a habitat for microbial life, sparking interest in future rover missions to investigate their potential.- Observations of Rogue Planets: Andrew and Fred delve into the elusive nature of rogue planets, discussing how recent observations using gravitational microlensing have shed light on a planet 22 times the mass of Jupiter, located approximately 10,000 light years from Earth. They reflect on the significance of these findings and the advancements in technology that facilitate such discoveries.For more Space Nuts, including our continuously updating newsfeed and to listen to all our episodes, visit our website. Follow us on social media at SpaceNutsPod on Facebook, X, YouTube Music Music, Tumblr, Instagram, and TikTok. We love engaging with our community, so be sure to drop us a message or comment on your favorite platform.If you'd like to help support Space Nuts and join our growing family of insiders for commercial-free episodes and more, visit spacenutspodcast.com/about.Stay curious, keep looking up, and join us next time for more stellar insights and cosmic wonders. Until then, clear skies and happy stargazing.Become a supporter of this podcast: https://www.spreaker.com/podcast/space-nuts-astronomy-insights-cosmic-discoveries--2631155/support.

don't miss George's AIE talk: https://www.youtube.com/watch?v=sRpqPgKeXNk —- From launching a side project in a Sydney basement to becoming the independent gold standard for AI benchmarking—trusted by developers, enterprises, and every major lab to navigate the exploding landscape of models, providers, and capabilities—George Cameron and Micah Hill-Smith have spent two years building Artificial Analysis into the platform that answers the questions no one else will: Which model is actually best for your use case? What are the real speed-cost trade-offs? And how open is "open" really? We discuss: The origin story: built as a side project in 2023 while Micah was building a legal AI assistant, launched publicly in January 2024, and went viral after Swyx's retweet Why they run evals themselves: labs prompt models differently, cherry-pick chain-of-thought examples (Google Gemini 1.0 Ultra used 32-shot prompts to beat GPT-4 on MMLU), and self-report inflated numbers The mystery shopper policy: they register accounts not on their own domain and run intelligence + performance benchmarks incognito to prevent labs from serving different models on private endpoints How they make money: enterprise benchmarking insights subscription (standardized reports on model deployment, serverless vs. managed vs. leasing chips) and private custom benchmarking for AI companies (no one pays to be on the public leaderboard) The Intelligence Index (V3): synthesizes 10 eval datasets (MMLU, GPQA, agentic benchmarks, long-context reasoning) into a single score, with 95% confidence intervals via repeated runs Omissions Index (hallucination rate): scores models from -100 to +100 (penalizing incorrect answers, rewarding "I don't know"), and Claude models lead with the lowest hallucination rates despite not always being the smartest GDP Val AA: their version of OpenAI's GDP-bench (44 white-collar tasks with spreadsheets, PDFs, PowerPoints), run through their Stirrup agent harness (up to 100 turns, code execution, web search, file system), graded by Gemini 3 Pro as an LLM judge (tested extensively, no self-preference bias) The Openness Index: scores models 0-18 on transparency of pre-training data, post-training data, methodology, training code, and licensing (AI2 OLMo 2 leads, followed by Nous Hermes and NVIDIA Nemotron) The smiling curve of AI costs: GPT-4-level intelligence is 100-1000x cheaper than at launch (thanks to smaller models like Amazon Nova), but frontier reasoning models in agentic workflows cost more than ever (sparsity, long context, multi-turn agents) Why sparsity might go way lower than 5%: GPT-4.5 is ~5% active, Gemini models might be ~3%, and Omissions Index accuracy correlates with total parameters (not active), suggesting massive sparse models are the future Token efficiency vs. turn efficiency: GPT-5 costs more per token but solves Tau-bench in fewer turns (cheaper overall), and models are getting better at using more tokens only when needed (5.1 Codex has tighter token distributions) V4 of the Intelligence Index coming soon: adding GDP Val AA, Critical Point, hallucination rate, and dropping some saturated benchmarks (human-eval-style coding is now trivial for small models) — Artificial Analysis Website: https://artificialanalysis.ai (https://artificialanalysis.ai ("https://artificialanalysis.ai")) George Cameron on X: https://x.com/grmcameron (https://x.com/grmcameron ("https://x.com/grmcameron")) Micah Hill-Smith on X: https://x.com/_micah_h (https://x.com/_micah_h ("https://x.com/_micah_h")) Chapters 00:00:00 Introduction: Full Circle Moment and Artificial Analysis Origins 00:01:08 Business Model: Independence and Revenue Streams 00:04:00 The Origin Story: From Legal AI to Benchmarking 00:07:00 Early Challenges: Cost, Methodology, and Independence 00:16:13 AI Grant and Moving to San Francisco 00:18:58 Evolution of the Intelligence Index: V1 to V3 00:27:55 New Benchmarks: Hallucination Rate and Omissions Index 00:33:19 Critical Point and Frontier Physics Problems 00:35:56 GDPVAL AA: Agentic Evaluation and Stirrup Harness 00:51:47 The Openness Index: Measuring Model Transparency 00:57:57 The Smiling Curve: Cost of Intelligence Paradox 01:04:00 Hardware Efficiency and Sparsity Trends 01:07:43 Reasoning vs Non-Reasoning: Token Efficiency Matters 01:10:47 Multimodal Benchmarking and Community Requests 01:14:50 Looking Ahead: V4 Intelligence Index and Beyond

Modern life quietly disrupts the circadian rhythms that regulate sleep, hormones, energy, mood, and nervous system health. Artificial light, screens, and indoor living keep the brain in a constant “daytime” state — leaving the body overstimulated, anxious, and stuck in survival mode.In this episode, I sit down with circadian biology expert and My Circadian App founder Sarah Kleiner to break down how light exposure, darkness, lux levels, and daily rhythms shape the nervous system at a cellular level. Sarah's work in applied quantum biology bridges research with real life, showing how working with your circadian biology — not overriding it — can restore calm, mental clarity, sleep, and natural energy.We cover practical, science-backed ways to reset your internal clock, even if mornings are dark or your schedule is busy, and why consistency matters more than perfection when it comes to circadian health.In this episode, you'll learn:▶︎ How circadian rhythm disruption shows up as anxiety, poor sleep, and low energy▶︎ Why morning sunlight is one of the most powerful nervous system regulators▶︎ How light exposure affects cortisol, blood sugar, and hormones▶︎ Why indoor and evening light suppress melatonin and deep repair▶︎ Simple ways to reset your body clock without wearables or tracking▶︎ How light environments affect children's sleep and brain developmentResources▶︎ The Connection Code by Melissa Sonnershttps://theconnectioncodebook.com/▶︎ Sarah's website: https://sarahkleinerwellness.com/▶︎ MyCircadian App: https://mycircadianapp.com/

Send me a text message and get your questions answered on the podcast! I'd love to hear from you! Welcome to Season 5 of Black Girls Consult TOO!It's 2026 — and the consulting industry has changed.The market is saturated. Information is everywhere. Artificial intelligence is reshaping how expertise is shared. Social media is no longer optional. And the old ways of building a consulting business (i.e., relying solely on referrals, networking nonstop, or chasing RFPs) are no longer enough.But the great part is: you can still build a thriving, profitable consulting business in this new era, if you're willing to do things differently.This season, we're stepping into what I call "New Age Consulting" — a more modern, visible, and intentional way of building authority, attracting clients, and positioning yourself to win in today's global, digital marketplace.In Season 5, we're having real, honest conversations about:Standing out in a crowded consulting marketMarketing and selling your expertise in a modern wayUsing today's tools and platforms to your advantageBuilding a consulting business that is both purpose-driven and highly profitableShowing up visibly while staying true to who you areIf you're ready to up-level, expand your impact, and thrive as a consultant in 2026 and beyond, this is where you need to be.Hit subscribe, follow along, and join us as we grow together in this next chapter of Black Girls Consult TOO!Interested in learning more? Visit https://excelatconsulting.com/

Artificial intelligence (AI) has become an increasingly important topic across insurance, but its implications for captive insurance and actuarial work are still taking shape. In this episode of The Edge of Risk podcast by IRMI, Steven Abel and Jason Abril of Oliver Wyman share an actuarial and technology-driven perspective on how AI is influencing insurance analytics, data governance, and risk decision-making. The discussion explores how machine learning has long been part of actuarial toolkits, while newer AI technologies are accelerating workflow automation, data enrichment, and analytical insight generation. The conversation also examines how captives differ from commercial insurers in their AI use cases, particularly given differences in scale, mission, and access to actuarial resources. Mr. Abel and Mr. Abril address transparency concerns around AI models, emphasizing governance, documentation, and human oversight. Looking ahead, they outline why AI literacy—rather than deep technical specialization—may become a critical skill for actuaries and captive professionals as advanced analytics continue to reshape risk financing strategies.

First off — Happy New Year. To kick off the year, this week's episode of the Wealth Formula Podcast is a solo one from me. I spend the episode walking through my outlook for 2026 and sharing a few predictions for how I think this cycle is going to play out. Lately, I keep hearing the same question phrased in different ways. The economy feels tight, but markets are holding up. Growth is coming in stronger than expected, inflation is easing, and yet a lot of the signals people usually rely on just don't seem to be lining up. That disconnect is really the starting point for this episode. Rather than reacting to headlines or making short-term calls, I wanted to step back and talk through the mechanics of what's actually driving this environment — and why it looks so different from the cycles most of us learned about. A lot of it comes down to debt, policy constraints, how capital moves today, and the growing influence of technology. When you start looking at those pieces together, some of the things that feel confusing begin to make a lot more sense. This isn't meant to be alarmist or overly optimistic. It's simply an attempt to frame the environment clearly so you can think about it more intelligently — especially if you're deploying capital or deciding whether it makes sense to sit on the sidelines. If you've felt like the economy and the markets aren't really speaking the same language right now, I think you'll find this episode useful. Transcript Disclaimer: This transcript was generated by AI and may not be 100% accurate. If you notice any errors or corrections, please email us at phil@wealthformula.com.  You need to be out of the dollar and into the investor class because that that widening gap between those who have, who own things, who own assets and those who do not is gonna continue to widen. Welcome everybody. This is Buck Joffrey with the Wealth Formula Podcast, and today I am going to do something a little bit different. I’m gonna kind of give you. My perspective, maybe predictions I dare say about, uh, the upcoming year in 2026, how I look at it, what I think, uh, uh, is likely outcome and why. Not that I am any smarter than any of you on this stuff, but I’ve actually kind of sat down and, and thought about, you know, the things that are going on in the macroeconomic. Side of things and, um, put some stuff together and, uh, hopefully you’ll enjoy it. We’ll have, uh, that right after these messages. Wealth formula banking is an ingenious concept powered by whole life insurance, but instead of acting just as a safety net, the strategy supercharges your investments. First, you create a personal financial reservoir that grows at a compounding interest rate much higher than any bank savings account. As your money accumulates, you borrow from. Your own bank to invest in other cash flowing investments. Here’s the key. Even though you’ve borrowed money at a simple interest rate, your insurance company keeps paying you compound interest on that money even though you’ve borrowed it at result, you make money in two places at the same time. That’s why your invest. Get supercharged. This isn’t a new technique. It’s a refined strategy used by some of the wealthiest families in history, and it uses century old rock solid insurance companies as its backbone. Turbocharge your investments. Visit Wealthformulabanking.com. Again, that’s wealthformulabanking.com. Welcome back everyone, and, uh, happy New Year to you. I forgot to even say that in the intro. How rude of me. Hopefully you had a great holiday, you had a great Christmas, and you’re bringing in the new year with a vision of health and wealth and PO prosperity and all that stuff. So anyway, let’s talk a little bit about, uh, you know what I am. Kinda looking at for 2026. Now, when you think about, well, what are these predictions and what could they be and all that, um, interest rates, inflation markets, you know, uh, let’s set the foundation for how I’m thinking about it, because everything else really kind of builds on it. And the most important thing to understand is that debt. Is really now I think the main character in the economy. I know we, people have been talking about this for a very long time, but I think, I think the debt issue is really, really becoming something that cannot be ignored, and I’ll get into that in a while. Obviously, I’m not saying that inflation and interest rates don’t matter. They matter enormously. Uh, those are the things that people actually feel, right? Higher prices, higher mortgage rates, higher insurance costs. What I’m saying is that the level of debt now determines really how decisions on those things are made from policy makers. You know, how do they respond to inflation and interest rates, recessions market stress. What debt does is it actually kinda limits the range of choices around how policy makers react to all these things. So once you see that, the behavior of the economy starts to, I think, make a lot more sense. So let’s start with. Sovereign debt, and I’m gonna start really basic here because the question is, you know, what exactly is sovereign debt? Okay. And sovereign debt is the money a government owes, okay? In the US it exists because the government consistently spends more than it collects in taxes, and that gap is called the deficit. When that happens year after year, you have an accumulation of debt. Now, when debt is low, it’s, it’s pretty manageable, right? But when debt gets very large, it starts to influence policy decisions, and that’s where we are right now. Uh, here’s the key mechanic that I think most people don’t really think about, right? Governments don’t pay off debt the way you and I, you know, pay off our debt, like mortgage or whatever. They always refinance it, right? So when the US government borrows money, it issues bonds. That’s how it does, those bonds have maturity dates, and when you buy a bond, you’re, you know, you’re loaning the government money. So when a bond matures, the government owes that principle back to you. Right? So that’s, that’s kind of how well we talk about, we talk about debt, but the government doesn’t save money over time to pay off that bond. Like, I mean, that’s the way you would think about it for you and me, right? I mean, at some point you’re like, ah, I really need to pay off this debt. I’m just gonna pay it off with this money that I saved. Instead, what they do is when a bond comes due, it issues a new bond and uses the money from that new bond to pay back the old one. Okay. Now, if that sounds familiar, uh, to you, it’s because it’s pretty much what we would call in plain English refinancing, right? Now imagine though, the government issued a bond a few years ago when interest rates were near zero. That bond matures today, interest rates are much higher, right to pay off the old bond. The government issues a new one at today’s higher rates. So the debt doesn’t disappear, it just becomes more expensive to carry, right? I mean, it’s just like you got a mortgage, you know you had a, a great rate, but you only got it for seven years and all of sudden you gotta refinance it. Gosh, all of a sudden that rate went really higher and your payments are much higher, and the debt payments going up, you know, for the government, what adds to that deficit? It’s a really, really vicious cycle. Now, take that process and multiply it across trillions of dollars of debt. Now you can start seeing why interest rates matter so much in a high debt system. Now, what makes this especially important right now is that for over the last several years, the US issued a very large amount of short-term debt. Short-term debt matures quickly, and that means large portions of government debt. Come due every year and have to be refinanced at whatever the interest rate exists at the time. So even if deficit stock growing tomorrow, which they won’t, the government would still need smooth functioning financial markets just to keep refinancing what it al what already exists now. This is why the economy has become so sensitive to interest rates, liquidity and confidence. Higher interest rates increase the cost of refinancing, right? We’ve mentioned that already. And that pushes deficits higher and forces even more borrowing. So I mentioned liquidity. What is that? Well, liquidity is about how easily money moves through the system. When liquidity is good, bonds are easily absorbed. Banks lend markets function normally, and when liquidity dries up, refinancing becomes fragile. That stress. Stress in the market spreads quickly. And then finally, confidence I mentioned too. Why does confidence matter? Well, confidence matters because investors need to believe that the system is gonna hold together. When confidence weakens, guess what happens? Well, what would happen if you think about it with a loan, a higher risk loan? While investors demand higher yields like refinance, it becomes even more expensive. And problems compound fast. Now, this is why Pol policymakers are extremely uncomfortable with high borrowing costs, reduced lending, falling asset values, and deep recessions. Recessions, by the way, don’t make debt easier to manage. They make it harder by reducing tax revenue and worsening debt ratios. Now that brings me to a, something that I am feeling sort of back and forth with. Um. You know, a listener who sent me some commentary about, you know, the fear of going back to 1970s, eighties style interest rates. But the thing is that I just don’t think that comparison works, and here’s why. Okay, so in the 1970s, the US had far less debt. Interest rates could go very high without threatening the government’s ability to refinance itself. Now today, with debt much larger relative to the economy, very high rates don’t just fight inflation. They stress the entire financial structure, right? You can’t just say, oh, we’re gonna make super high rates because the cost of all that debt the government has is gonna be extraordinarily expensive. Now, that doesn’t mean that rates can’t rise. It means policymakers have far less tolerance for how high and how long rates can stay elevated. It’s a completely different system from the 1970s and eighties. So I think trying to put things into that context is probably not, um, not a, a good way to think about it. So why am I fo focusing on this right now? Uh, instead of a few years ago, because again, we stu we didn’t suddenly become a high debt economy this year. So what changed? Well timing a massive amount of debt that was issued at very low interest rates, as I mentioned before, is now maturing and being refinanced at much higher rates, and that shift is no longer theoretical. It’s happening in real time. Last year, much of that low uh, rate, debt was still in place. Interest costs hadn’t fully reset, but going into 2026, they have no, I, I keep talking about, you know, how much we’re paying an interest, right? Because again, that’s a big difference between now and the 1970s when you could have, you know, you didn’t have as much debt so you could pay more interest on it. Right now, the US is now spending roughly a trillion dollars a year just on interest. Her perspective, right? I mean, what’s a trillion dollars? Uh, what does that even mean for the normal person? Well, for Perce perspective, that’s the defense budget. $1 trillion. It’s more than Medicare, more than most major federal programs. And the thing is that money doesn’t do anything, right. It doesn’t create growth. It just services past borrowing. And this is the point where debt stops being background noise, kind of an annoyance that people just say, well, we’ll kick it to the next generation. It start starts actively shaping, uh, policy decisions because it’s, it’s a thing that you gotta pay for. You gotta keep paying for it. So the takeaway I want you to carry forward is simple. We now live in a system where policymakers don’t have the luxury of letting things break when debt is low. Governments can tolerate deep recessions like you saw in the seventies and eighties and long recoveries. When debt is high, they can’t because even small shocks can just really get outta control quickly. And that’s the framework I think, uh, that I’m using as we move into interest rates, inflation, and what all this means for markets going into 2026. So let’s talk about interest rates. You’ve heard me say that I think that interest rates are gonna come down. Um, they’re gonna continue to tick down a little bit. I don’t think a lot, but I do think there’ll probably be at least one more rate cut. I think, you know, you’re probably gonna have some, um, uh, some lowering in the 10 year and, and the bond market in general. Uh, but interest rates are not gonna go back to 2010, right? They just aren’t. And. The 2010s were not normal. There were a very specific period created by very specific conditions, right? Inflation was persistently low, uh, but just wouldn’t go up. Globalization, uh, push prices down. Capital was abundant. Debt levels, well, they were high, but they’re rising, but they hadn’t become what they are now. And because of that, central banks could hold rates near zero without much consequence. That environment, unfortunately, does not exist now. So today, debt is much higher. Inflation risk is real again, and investors expect to be compensated for lending money long term. So even when rates decline from current levels, they do not return, uh, they will not return to where people, uh, anchor them psychologically. If they’re thinking about the 2000 tens, they’re gonna settle higher. Within the 2000 tens baseline, you see policymakers are kind of stuck if rates, uh, say too high for too long. We mentioned this before. Refinancing government debt becomes increasingly expensive. Interest costs rise, deficits, widen, and then you get that financial stress that’s spreads through the credit markets. But if rates are pushed too low for too long, borrowing accelerates. And that’s. When inflation resurfaces and confidence in the currency weakens, so then that’s the tug of war. So policymakers, uh, you know, they, they can no longer choose between high rates and low rates. They’re gonna be choosing how to manage, uh, the trade-offs, right? So what’s gonna happen is that you’re gonna see that rates are gonna move within a range. Uh, they come down when something breaks, they move back up when inflation pressures recurrent. Um, that’s why volatility matters more than the exact. Level of rates going forward, in my opinion. So we’re, we’re not returning to free money. We are also not headed to a permanent 1970 style high rate world. What we are doing is entering a time where borrowing costs matter. Again, refinancing is not guaranteed, and rate swings are part of the system, and that naturally leads to the question of inflation. So once you understand why rates. You know, don’t go back to the 2010. The next question becomes, uh, well, if policymakers can’t keep rates high for long and they can’t push them back to zero either, then what are they actually trying to ac accomplish? Well, the answer is that, that the goal is kind of shifted for decades. Economic policy was focused on disinflation, um, you know, pushing inflation lower and lower. Over time, uh, and inflation was actually treated as a failure, and that made sense. In a world with lower debt in a high debt world, that logic sort of breaks down, right? Deflation, which is actually falling prices, increases the real value of debt. Think about that for a moment. Like just in terms of. You know, you have a mortgage and you know, sometime, you know, your parents might have like a 30 year mortgage or something like that, that they’ve had for 25 years. They’ve been paying it off and it’s great. But the bigger thing to notice is the amount of money that they borrowed is actually very small in real world dollars because it’s, you know, 25 years later. See, inflation is bad when it’s, you know, you’re dealing with it, but inflation is. Good at one other thing, which is it’s good at eroding debt. It will make, uh, the amount of the value of the, you know, the actual money that you owe on debt lower over time. So that’s why you can’t have deflation, right? You can’t have deflation because that increases the real value of the debt. It discourages spending, slows growth and makes refinancing harder. So in today’s system, deflation is way, way more dangerous than moderate inflation. And so because of that inflation really isn’t something that I think is quite as important that has to be eliminated at all costs. That, you know, you have to be right at 2%, which is, you know, kind of what the, the fed his, his target is, right? Instead, what you gotta do is you gotta manage it. Of course, that doesn’t mean you want runaway inflation. What they wanna do is have enough inflation to keep nominal growth positive and prevent debt burdens from become heavier again. Why? What do I mean by that? You gotta have enough inflation to erode the debt that we have, right? So this is why that 2% inflation target should be understood. As, you know, kind of aspirational, but not absolute because having a little higher inflation, yeah, it hurts people. It’s, uh, it hurts people on a day-to-day basis, but actually helps with that. So even at, uh, you know, inflation sell a bit higher than, than, than the, you know, 2% fed target say it’s 4%, it’s actually eroding, uh, you know, it is eroding purchasing power, but it’s also eroding debt. It’s, it’s stabilizing debt dynamics. From the system’s perspective, of course that’s helpful. But for us, we’re paying for things on a day-to-day basis to see the cost of eggs and all that. It’s, it’s frustrating, right? And that tension between system stability and personal cost, it’s one of the defining features of the economy heading into 2026. So when you see policymakers tolerate inflation, uh, longer. Then you think they should or step in quickly When markets kind of wobble, it’s not confusion or incompetence, it’s actually constraint because debt limits the available choices. Rates are managed within a range. Inflation is guided and not eliminated. Now put those together and you get the environment we’re moving into, which is an economy where markets can look. Resilient, even while people feel stretched, right? I mean, that’s kinda what we’re feeling. Everybody’s like, oh, these markets are doing fantastic, you know? But then, you know, you look at consumer confidence, it goes down. It’s been going down every month. This is an environment where asset prices recover faster than wages, and we’re understanding how policy reacts becomes a real advantage. So that’s kind of my macro setup for 2026. Um, you know, with that framework, we can start looking into the first prediction I’ll make. And again, these are not, you know, crazy predictions. Uh, they are just generalized things that I think you’re gonna see. So, like the first one is that the markets will stop being reliable proxy for the economy. You could argue that’s already happened, right? Markets in the economy kind of stopped correlating. We saw it after the financial crisis, right? We saw it very clearly even during COVID. The decoupling itself is not new. What’s new is that that decoupling is no longer temporary. It’s become the baseline that’s become the new normal. Uh, for most of modern history people had a fairly reliable mental model, right? You probably do. If you grew up in the eighties and nineties, uh, as a kid or whatever, when the economy felt bad, layoffs, we growth falling in con incomes, markets usually reflected the pain. Right. Sometimes there was a gap. Sometimes markets recovered a little earlier, but eventually things kinda re converged. The economy healed. We just caught up in the markets and lived experience kinda lined up. Now that’s the model that most people still have in their heads, and that’s why so many people feel so confused right now. I mean, I feel confused by it. So what’s changed going into 2026? You know, it, it is, it’s structural Now. We’re no longer living in a system where policy intervenes only during emergencies. We are, uh, in a system where policy is always on, debt is permanently high, rates are actively managed, inflation is tolerated rather than eliminated. And as a result of that, markets aren’t really necessarily responding primarily to how. The economy feels to people they’re responding. Uh, you know, it’s responding to refinancing needs. Liquidity management. Uh, confidence preservation. That’s a very different signal. COVID is the clearest example of that ship, but it’s, it’s important to understand it correctly. So in 2020, the economy was literally shut down, right? Unemployment exploded. Uh, small businesses were collapsing, right? Like, this is COVID and yet markets bottom quickly. We saw that and then bam. All time highs, even though life kind of felt terrible for a lot of people. And that wasn’t because the economy was healthy, it was because policy overwhelmed fundamentals. And at the time that felt extraordinary. It felt very different. Like this doesn’t make any sense. What’s different now is that we’re still using the same playbook but with out in obvious crisis. So intervention is no longer reactive. It’s, you know, uh, it’s preventative. So what do I predict for 2026? Well, markets are gonna stop being a reliable proxy for economic health. Uh, you, you people can just stop talking about that. Like it, like it, it means anything anymore. Markets going to increasingly reflect how constrained policymakers are and how much liquidity is in the system, and how aggressively risk is being managed. They’re not gonna, the markets are not gonna tell you. About affordability, wage pressure, or whether life feels easier or harder for people. Right. Those are completely gonna, those are, it’s just a standard thing now that those are uncorrelated and the gap is not, uh, abnormal anymore. It’s. The operating environment. So what do you do with that information? Well, for an individual investor, this environment requires a real mindset shift, right? You can’t rely on your gut anymore. You can’t say, man, I feel like this economy doesn’t feel good. So the market’s gonna look at the, I mean, you, you, you know, a lot of people feel like the economy doesn’t feel good to them because of inflation, because of what happened with interest rates and all that stuff, right? But look it, you’ve got. Record breaking, uh, stock market numbers. You can’t rely on your gut anymore. Your gut is telling you the economy feels bad. For many people, that’s absolutely true. Costs are high. Again, things feel tight, and the instinct is to wait to sit in cash. To assume markets would reflect that pain, but that instinct used to work. And in this system it doesn’t because markets are no longer pricing in how the economy feels. They’re pricing policy response. Liquidity and constraints. So if you wait for the economy to feel good before you act, it’s gonna be way too late. So instead of asking, does the economy feel weak, you need to start asking different questions. You need to ask how constrained policymakers are, how quickly liquidity will return if markets wob on it, and where capital tends to flow first when policy steps sit. In other words. You gotta start really thinking about investing, right? Like you gotta, like right now. Now I’ve talked, I’ve beat this over many times before, but you know, you have, if you’re, if you’re saving money right now and you’re looking and you are wondering what to do, look for things that are on sale now. I spent real estate’s on sale right now. Right? Get your money into the markets one way or another. That’s what I would say. Whatever it is that you want to invest in. Don’t let your money just erode because this lack of correlation is, it’s a really, really important thing and it’s, it’s gonna continue to happen and you know what else is gonna happen Because of that, you’re gonna see an increasing widening up the wealth gap. People whose income is tied primarily to wages are, are gonna experience that inflation directly, right? Their money’s trapped in the real economy where costs rise faster than income. But investors on the other hand, have an opportunity to participate in the markets that are supported by this sort of unnatural infrastructure that I just mentioned, right? As asset prices are gonna continue going up. Now, I’m not here to judge whether that’s a good thing or a bad thing, I’m just telling you how it’s functions. So the investor class increasingly benefits from asset appreciation, right? Early access to liquidity. While lower income groups often can participate in that upside. Even as their cost of living rise, because they’re not in the markets, they’re not, they don’t own assets. So again, you have to stop, you know, using how the economy feels is your primary investing signal. If you wanna protect and grow your wealth in this environment, you need to understand how policy reacts, how you know liquidity moves, how assets behave when the system is under constraint. And in other words, uh, you know. Frankly, you just need to be part of the winning class, which is the investor class. Alright, so that’s kind of, uh, hopefully that made sense to you. Here’s another prediction for you, and this is probably more related to some of the things that we talk about usually, but I’ll say that multifamily and commercial real estate are going to finish their washout, and the window is gonna start to really close again. I’ve talked about this. Before, you’ve probably heard me say this, but let’s talk about multifamily and commercial real estate again, because you know, this audience doesn’t need just theory. You’ve already lived through the pain or the past two years you’ve seen deals blow up, capital calls go out, refinancings fail. So the real question going on in 2026 is not whether real estate breaks. It’s already, it already did. It already did. The real question is how much longer this phase lasts and what replaces it. My view is that 2025 into early 2026, um, represents the final phase of this unwind in the beginning of stabilization. I’m not predicting an immediate boom, not a return to 2021 by any means, but the end of obvious distress. So what’s happened already from 2022 to 2024? Multifamily and commercial real estate absorbed the fastest rate shock in modern history. Many of you lived through that. I lived through that. It’s painful. Debt costs doubled or tripled. Cap rates moved hundreds of basis points. You know, bridge debt structures broke, uh, refinancing assumptions collapsed. Now, a lot of the deals, I mean, I would say most of the deals, uh, uh, that, you know, kind of imploded, uh, shared the same DNA, you know, peaking price, uh, purchases, uh, during peak prices in 2021, early 2022. Uh, you know. Floating rate thin or negative cash flow based on, you know, the rates at the time. Maybe it was positive business plans that were really dependent on refi and rent growth. Um, those deals though, have largely already defaulted, recapitalize, or, you know, they’re being quietly handed back. And that matters because markets don’t keep breaking the same wave forever. If, if you’re seeing right now and if you’re in our investor club, you are. 30% discounts on a regular basis. Right? On a regular basis compared to the peak. Don’t assume that’s gonna last. That this is the key point I wanna make very clearly. If you’re looking at multifamily or commercial deals today that are trade trading at that 30% below where they were a couple years ago, you should not assume that window stays opening. Definitely because the level of discount there, uh, the level of discount exists because. Dried up liquidity, uh, because of that violent rate reset, uh, uncertainty. But here’s the thing, markets don’t stay frozen forever and as soon as pricing stabilizes, even at higher cap rates, which are going to be higher than they were, because you’re not gonna see interest rates down at zero, capital is gonna start to move again. And stabilization doesn’t require rates to go back to zero. It just requires some level of predictability. So here’s the sequence of what happens first, you know, the distress slows, uh, you see less and less defaults, and then slowly but surely cap rates stop expanding, right? That alone brings back buyers. Then as rates drift mo lower and volatility declines, lenders reenter selectively, debt becomes a billable again. It’s not cheap. It’s definitely usable and that brings more liquidity. When I say liquidity, in this context, I’m talking about just more deals getting done. And once liquidity returns, cap rates don’t stay wide forever. They compress, right? It’s competition. And again, when they compress, they’re not gonna go back to 2021 levels, but enough to meaningfully lift asset values from distressed pricing. This can happen faster than people expect, right? People underestimate the fact that there is an enormous amount of capital sitting on the sidelines right now in money market funds, short term treasuries, private capital, waiting for clarity. That capital isn’t, you know, permanent. The moment investors believe that rates of peak, that prices of stabilized downside risks is contained, that money starts to chase yield. When it does the transition from, nobody wants this, everyone wants exposure again, can happen surprisingly fast. In other words, I’m not saying I think this will happen in 26, but the shift from a market that is on sale, which I’ve described it as to a market that is starting to look a little frothy, can really be just a couple of years. And in that situation, I’d rather be a net seller, right? You wanna be accumulating. During this phase of for sale so that you can sell in froth. So what this means is that the market is, you know, uh, is not a market to wait for everything to feel perfect, because by the time it does, the obvious discounts are gonna be gone. And if you wait for perfect clarity, you’re gonna be competing, you competing with institutional capital, with large private funds and, and, and yield hungry money coming outta cash. The opportunity is not assuming distress lasts forever. It is. It’s in recognizing when the market is transitioning from forced selling, which is what is happening even now to price discovery. So ultimately, the prediction is this multifamily and commercial real estate, that that washout is completed in 2026 and the window created by distress really starts to close. Deep discounts don’t persist. Once market stabilized, which I think is what’s gonna happen, and then I think you’re gonna start to see a shift. You’re gonna start to see more deals, more liquidity, and that’s gonna return faster than people expect. In other words, this is gonna be the end of, you know, sort of this bargain basement, you know, panic pricing. And once real assets stabilize and liquidity returns, attention inevitably turns, uh, to the currency, those assets are priced in. Which brings us to the prediction number three. That dollar, okay, the dollar doesn’t collapse, but it does continue to erode. It slowly leak, right? Let’s talk about the dollar, ’cause you hear about this all the time, right? A nausea, you hear the, the weakening of the dollar. Um, this is one of those topics that where people tend to jump to extremes. You know, on one side you hear the dollar is about to collapse. On the other side you hear the dollar’s strong and everything’s fine. I think, um, the truth is somewhere in, in the middle. And my prediction for 2026 is simple. Um, again, the dollar doesn’t really explode. It doesn’t get replaced. It can just continues to erode slowly but surely. And that’s how reserve currencies actually behave when debt gets high. Right. So why no collapse, right? Because you got like people out there, uh, worried about the collapse of the US dollar. The US dollar is gonna remain dominant, not because it’s perfect, but because there’s no real alternative at scale. There just isn’t. Okay? There’s no other currency with markets as deep, as liquid and as widely used for trade debt and collateral. So, you know, reserve currencies, you know, you hear about the, the worry about us being the reserve currency. Well, reserve currencies don’t disappear overnight. They erode gradually, but they don’t disappear overnight. And that erosion shows up not as a crash, but again as persistent inflation, right? It’s rising, you know, real asset prices, which is again, where you wanna be, and a slow loss of purchasing power over time. Again, that brings us back to the whole issue of debt we were talking about, right? So in a highly indebted system, policymakers are not incentivized to aggressively defend the currency at all costs, right? So very high interest rates might strengthen the dollar in the short term, but they also make debt harder to service and financial stress worse, right? So instead of choosing strength or collapse. Um, you know, policy drifts towards tolerance, right? Inflation is allowed to run a little hotter than people expect, because again, it’s gonna erode that debt. The currency weakens slowly, therefore, rather than violently, right? Again, currency weakening. It’s that, it, it’s so entwined with this idea of inflation because debt becomes easier to manage in real terms. And one of the things I hear, and I’ve been sort of in these conversations back and forth with, um. At least one of you out there, uh, in, in emails is that, you know, I hear, uh, that, that, that there’s a, a serious problem for interest rates because of, you know, China, uh, selling US treasuries. And because of that you might get the collapse of the dollar. In fact, in this conversation, it was not only about China, but also Europe. Which, you know, I hadn’t actually heard anybody mention that before, but I guess that’s out there in the ecosystem and some of the newsletters. Now, all that sounds scary, but it really misunderstands how the system actually works. What exactly happens when someone or a country sells treasuries? Well, they don’t dis, they, they don’t just destroy the dollars. What they’re doing is they just swap $1 asset for another, right? The dollars don’t even lead the system. They change hands. So this idea of China selling off all it t trade, well, China’s been, uh, reducing its treasury holdings for years and the dollar hasn’t collapsed. The market absorbed it because treasuries are the deepest, most liquid market in the world. And then this idea of Europe, of of Europe actually dumping treasuries because, you know, they’re not happy with Donald Trump and what he’s doing in Ukraine and all that, that would be an absolute nightmare for, for Europe. That would hurt their own economy. That’s the last thing that an indebted government wants. So foreign selling, yeah, sure it’s gonna move yields, but it, it’s not gonna implode the dollar. But the reality of the, uh, erosion of the dollar is real. I don’t think anybody questions that anymore, and I think that is another reason that you need to be buying. Real assets. You need to be buying equity. You need to be on the side of the investor class. Okay? That’s, that’s how you combat all of this. So the real takeaway here ultimately is that, you know, it isn’t, uh, to abandon the dollar, right? It isn’t. It’s, it’s just to stop pretending that holding cash is neutral. It’s not, it, most of your wall suits and assets that, that can’t adjust. You know, they can’t grow as, you know, as, as asset prices grow, then you’re making a bet on currency stability that literally no one believes is, is going to be the base standard anymore. Everybody knows, every economist, every country, every everywhere knows that these currencies are eroding. You don’t freak out about the dollar, but don’t, don’t, don’t be like heavily in dollars. Start getting into the markets. Alright, well, you know, I’m talking a lot about esoteric macro stuff, but let’s kind of get into some stuff that you might think is fun, more fun maybe. Okay. You, a lot of you are into Bitcoin. Well, I think that, you know, Bitcoin is gonna continue to mature. And the next look, leg up looks like, you know, because of more adoption, not because of hype, which isn’t maybe not as, as, as fast and violent, but it’s, it’s, it’s a lot more predictable. For those of you who are still unfortunately listening to the likes of Peter Schiff about Bitcoin, you gotta stop doing that because Bitcoin is not tulips. Right? A lot of people still talk about it like it’s a fad that could just vanish. We’re long past that phase. Bitcoin is, is, is a $2 trillion asset and in the history of the world, there has never been a $2 trillion asset that went to zero. Is it volatile? Yeah, it is. It can absolutely continue to be wildly volatile, but you’re not going to zero. And my prediction is not overly crazy. It’s just that. Bitcoin is going to continue to increase in price, but it’s not become, not because of speculative, uh, you know, because it’s a speculative trade anymore, right? I think it’s because of adoption. Uh, adoption is going to become the real meaningful driver of market capitalization. So what do I mean by that? It just means more people are seeing it as a real asset, and it has to become, when it becomes a real asset class, everyone has to have some of it. Every major institution has to have some of it because it’s an its own asset class. And when they do that, it just drives up the entire market capitalization of that asset. And when you have an asset that has a finite amount, which in the case of Bitcoin, there will never be more than 21 million Bitcoin. You have constant adoption, constant slow, but persistent growth in market capitalization, the asset has to become more expensive. Now, what do I mean by this adoption? Well, places that you would never think in a million years, a few years ago, that that would be buying Bitcoin or you know, ETFs, B to Bitcoin ETFs are doing. So Harvard. Harvard is a great example. Because it’s not, it’s not crypto influencer, right? It’s actually one of the most conservative, brand sensitive pools of capital in the world. But their endowment management, uh, disclosed roughly 443, uh, million dollars in its position in BlackRock, uh, BlackRock, iShares Bitcoin, Bitcoin Trust, which is ibi for those of you who, who, uh, don’t know, that’s how you can just go to your New York Stock Exchange and, and buy. Bitcoin ETFs with ibit. Now, whether you love this whole Bitcoin idea or hate it or whatever, that’s a signal that is increasingly treated like a portfolio asset. It’s not a fringe experiment, and it’s not only universities. Uh, institutional comfort is it’s just there, right? Um, custody, uh, custody regulated vehicles, positioning, size, risk controls, those kinds of things are all become part of the Bitcoin uh, environment. Many countries are already holding meaningful amounts of Bitcoin. Uh, even the US has, there’s a, there is a formalized Bitcoin reserve. Now we aren’t actively buying it, but here’s an interesting thing with Bitcoin, you can, when it is, uh, the way that the US is accumulating Bitcoin is through seizures. Alright? Bad guy gets caught. His boats, his house and his Bitcoin get, uh, confiscated. So the US will sell the house, they will sell the gold, they will sell the boats, but they will keep the Bitcoin. What does that tell you? You know? And, and there’s a lot of nations that are actually openly holding and, and buying Bitcoin. I mentioned the US China. This always seems to be, uh, you know, anti Bitcoin. Well, they actually own quite a bit the UK, Ukraine, Bhutan, El Salvador. Bottom line is there’s a big change in narrative, right? That this is a real asset. So this is something that, you know, even if it’s 1% of a major, uh, institution’s assets or less than that, or whatever, it’s part of it. And that adoption alone can move prices from, from here. And that’s what I think a lot of people miss because they’re like, well, you already had a big move and you know, instead a hundred, it’s 80 or 90 or a hundred, whatever. It’s, it’s not going much better, bigger than that. Well, Bitcoin is, is actually really small relative to global pools of capital. So at this stage, adoption alone. Not even the crazy mania of the past can make a non-trivial increase in market capitalization and therefore a mark, you know, a non-trivial increase in the actual price of Bitcoin. All it’s gonna take, and you’re gonna see this, you’re gonna see more endowments, you’re gonna see more sovereign wealth pool, pensions, mod model portfolios, all they guys daisy side, when you know, even with a small allocation. It doesn’t take too much to overwhelm the available float because Bitcoin is scarce and a lot of it’s held tightly. So as far as Bitcoin goes, what do I think is gonna happen? I believe all time highs are gonna get challenged. They’re gonna get broken again in 2026, not because again, everyone’s suddenly becoming a crypto maximas, but because adoptions could just gonna continue to grow. The wild card, I should say, is that the US moving from, we hold. What we seized in terms of Bitcoin to actively acquiring reserves could be enormous catalyst. And there is a lot of talk about this right now. Um, if the market ever believes that the US is a consistent buyer, even in a constrained budget neutral way, that changes the psychology fast. And in that scenario, I think 200,000 plus, uh, $200,000 plus Bitcoin by the end of 2026 becomes very plausible. Zooming out. I’ve said this before, you may think I’m crazy, but again, because of adoption, I think that Bitcoin is at a million dollars five to seven years from now. So what does that mean for you? Well, I mean, I think at the end of the day, if you don’t own some, you might want to, I’m not gonna give you financial advice, but again, just like Harvard’s doing it, you know, major, major endowments are saying, well. You know, maybe we’ll just buy, like, you know, 2% of that, 2% of our, our, uh, endowment will be made of something like that, right? Uh, you know, it’s just even a very small amount, but exposure to it makes a lot of sense. So I think that is something to highly consider if you are still on zero when it comes to Bitcoin. All right, now here’s my last, uh, prediction. You may have heard me talking about this before as well, that AI becomes a deflationary force that policy makers finally wake up to. And I think this is actually one of the most important and misunderstood economic developments, um, that is currently already out there. But I think it’s, it’s gonna be really recognized. By the end of 2026. Okay. Artificial intelligence is gonna stop being just a tech story, and it’s gonna become a macroeconomic story. I think that by the end of 2026, artificial intelligence is clearly, uh, you know, it’s clearly, um, going to be boosting corporate earnings while beginning to materially reshape the labor force. Um, and what’s gonna happen is that central banks and policymakers are gonna start treating it. Is a genuinely deflationary force over the next several years, and they’re gonna try to have to figure out what to do about it. And again, going back to our earlier conversation, because deflation is really a real problem for a country with an enormous amount of debt. So let’s get a little bit into the whole deflationary uh, conversation. So artificial intelligence at its core is a productivity machine, right? It allows companies to produce more. Without, with fewer inputs, fewer hours, fewer people, fewer stakes and productivity always shows up in profits before it shows up in everyday life. Right now, lower cost per transaction, faster execution, fewer people doing the same amount of work, widening margins without price increases. That’s the tell. That’s when profits rise without raising prices, something deflationary is happening underneath the surface. The biggest impact there is the labor market, right? It’s gonna be impossible to ignore. And this is where the conversation really shifts because artificial intelligence doesn’t need to eliminate jobs outright to matter. It only needs to reduce the number of people required to do it, right? So you’re thinking the labor markets, you’re gonna see a lot of this. You’re gonna see more slowing in hiring. Um, even while productivity expectations rise, and I think by late 2026, the public conversation is gonna change from will artificial intelligence affects jobs someday to why aren’t companies hiring the way they used to? And of course, that’s when people are gonna start paying attention and they’re gonna notice it’s deflationary because it’s going to be because artificial intelligence is gonna push down the cost. Of services, administration, customer support, research, and eventually decision making itself. That’s why it’s, it’s deflationary, it’s structural, right? Just think of all those things you can do for so much cheaper. That is what deflation is, right? And again, we mentioned before deflation is not something central banks are comfortable with because of debt and because debt heavy systems rely on nominal growth. Deflation makes debt heavier in real terms as opposed to what we said before, which is that inflation actually erodes debt. And that is a, a very, very challenging problem. And by 2026, I think you’re gonna hear a lot about this, you know, policy problem that we have. Which is innovation versus, you know, deflation. You make a lot of money, but are still worried about retirement. Maybe you didn’t start earning until your thirties. Now you’re trying to catch up. Meanwhile, you’ve got a mortgage, a private school to pay for, and you feel like you’re getting further and further behind. Now, good news, if you need to catch up on retirement, check out a program put out by some of the oldest and most prestigious life insurance companies in the world. It’s called Wealth Accelerator, and it can help you amplify your returns quickly, protect your money from creditors, and provide finance. Financial protection to your family if something happens to you. The concepts here are used by some of the wealthiest families in the world and there’s no reason why they can’t be used by you. Check it out for yourself by going to wealthformulabanking.com. Alright, well, so that’s basically it for my, uh, predictions. And I know I’ve kind of. Off on many different tangents, so hopefully it’s useful to you at least to start thinking and doing some of your own research. Bottom line is this, I mean, as, as a investor, what can you do? I think the big story here is understanding that, um, you need to be out of the dollar and into the investor class because that that widening gap between those who have. Who own things, who own assets, and those who do not is gonna continue to widen. And so, you know, my best, uh, won’t call it advice, but my own belief is that it is a, it is a very good time to look around and look for assets that are underpriced because I think everything is going to expand and it’s gonna ex expand. Uh, and you don’t wanna be caught, you know, on the, uh, dollar side of that equation. So. That’s it for me this week on Wealth Formula Podcast. Happy New Year. I’ll see you next week. If you wanna learn more, you can now get free access to our in-depth personal finance course featuring industry leaders like Tom Wheel Wright and Ken McElroy. Visit wealthformularoadmap.com.

Artificial intelligence is moving fast - from chatbots to autonomous systems and physical machines. As investment surges, so do concerns about job losses, surveillance, warfare and whether the boom can last. We take a look at where AI is headed in 2026 and the growing resistance against unchecked technological power. In this episode: Brian Merchant (@bcmerchant), Writer of Blood in the Machine newsletter Episode credits: This episode was produced by Tamara Khandaker and Chloe K. Li with Phillip Lanos, Spencer Cline, Fatima Shafiq, and our host, Malika Bilal. It was edited by Noor Wazwaz. Our engagement producers are Adam Abou-Gad and Vienna Maglio. Andrew Greiner is lead of audience engagement. Our sound designer is Alex Roldan. Our video editors are Hisham Abu Salah and Mohannad al-Melhem. Alexandra Locke is The Take’s executive producer. Ney Alvarez is Al Jazeera’s head of audio. Connect with us: @AJEPodcasts on X, Instagram, Facebook, and YouTube

Artificial intelligence is rapidly reshaping the digital world our children grow up in, creating opportunities for learning and connection—but also ushering in complex new challenges for safety, attention, identity, and mental health. In this timely episode, we sit down with Dr. Scott Kollins, Chief Medical Officer at Aura and a nationally recognized expert in ADHD, digital health, and youth mental wellness.Together, we explore how AI-driven platforms represent a significant evolution from earlier forms of digital media. Dr. Kollins explains how algorithmic personalization, generative content, and immersive engagement tools influence children's attention patterns, behavior, and even neurological development. He highlights emerging concerns surrounding AI-generated characters and influencers designed to mimic friendship and connection—raising important considerations for social development, empathy, and identity formation in childhood.The conversation also delves into the growing difficulty children face in distinguishing real from artificial experiences online, and how this blurring of reality can shape emotional regulation, perception, and worldview. Dr. Kollins discusses the mental health implications of AI systems that feel responsive or “alive” to young users, and what it means to parent in an era where digital platforms may seem to be constantly listening.This episode offers an essential, research-grounded understanding of the digital landscape parents are navigating today, and provides guidance for supporting children's well-being as technology continues to evolve at unprecedented speed.For more information: Join the Study: Click herehttps://www.aura.com/ https://meetcircle.com/The Parent Coach: We're launching The Parent Coach—your new go-to place for instant parenting support. Ask a question and get immediate guidance plus a three-minute expert video, all at your fingertips. No more endless scrolling or long courses.Join now and become one of our first 1,000 early adopters to lock in a heavily discounted introductory price.The 2026 ICP Parenting Summit is coming!Join us March 16–19 for 35+ expert masterclasses and four interactive half-day workshops, featuring leading voices like Ross Greene, Laura Markham, Robert Melillo, Lawrence Cohen, Kim John Payne, and Jon Fogel. We'll be diving into the topics parents need most: screens, discipline, anxiety, emotional regulation, neurodiversity, resilience, play, and more.The summit is completely free, and VIP packages include lifetime access, toolkits, certificates, and a digital copy of The Parenting Handbook.Click here to save your seat! Hosted on Acast. See acast.com/privacy for more information.

Artificial intelligence is changing how jobs are done, but will it replace people or transform the trades? In this episode, author, public speaker, and Future of Work and AI advisor Kelly Monahan joins host Jason Altmire to explain how AI is amplifying human skills rather than eliminating them. She introduces the rise of gray-collar roles that combine hands-on expertise with technology across skilled trades, healthcare, and technical fields, and explains why human and AI teams consistently outperform individuals. Listeners will gain practical insight on how leaders can prepare their workforce for rapid change while keeping human judgment and value at the center.To learn more about Career Education Colleges & Universities, visit our website.

Nicolás Maduro had a court appearance in New York yesterday. What does the future look like for Venezuela? Disagreement on "The View" regarding President Trump's actions in Venezuela. Cuba, Greenland, and Iran on alert? Americans make their 2026 predictions. Big change in the recommended vaccine schedule. The home of Vice President Vance attacked in Ohio. Will New York City survive Zohran Mamdani? Drug laws won't be enforced in Seattle. Hilton Hotels vs. ICE. Artificial intelligence: Abandon the First Amendment in order to save the First Amendment? Minnesota Governor Tim Walz (D) defiant in the face of fraud accusations. California Governor Gavin Newsom (D) discusses his hair catching fire. 00:00 Pat Gray UNLEASHED! 00:21 Sports Talk 02:48 Trump's Message about MAGA 05:50 Happy Three Kings Day! 08:49 Nicolás Maduro & Wife's Helicopter Landing 10:19 Maduro in Court Yesterday 11:29 Maduro's Charges 13:00 Whoopi Goldberg Reacts to Maduro Arrest 16:39 Scott Jennings on Venezuela Hypocrisy 18:18 Stephen Miller on Venezuela Oil 19:56 Dow Jones Industrial Average at an All-Time High 25:53 Trump Reiterates that 'We Need Greenland' 33:23 Fat Five 48:15 New Vaccine Recommendations 51:06 Break-In at JD Vance's Home 53:22 Zohran Mamdani Sets Up New Office? 57:01 Meet Mamdani's New Cabinet Member 1:06:12 Seattle is NOT Enforcing Laws! 1:07:09 Hilton Hotels Refuses Service to Trump Administration 1:12:17 The First Amendment in an AI World 1:17:07 Tim Walz is 'Big-Boy Mad' Learn more about your ad choices. Visit megaphone.fm/adchoices

Artificial intelligence isn't just chatbots. The technology is being integrated all across our economy and our lives. And that convergence of AI and robotics, biology and more is likely to be the most important tech trend in 2026, according to Futurist and CEO of the Future Today Strategy Group, Amy Webb.

Artificial intelligence isn't just chatbots. The technology is being integrated all across our economy and our lives. And that convergence of AI and robotics, biology and more is likely to be the most important tech trend in 2026, according to Futurist and CEO of the Future Today Strategy Group, Amy Webb.

Raven's podcast https://open.spreaker.com/2wipp5rLPAxXK2cM6Forbidden Knowledge Network https://forbiddenknowledge.news/ FKN Link Treehttps://linktr.ee/FKNlinksMake a Donation to Forbidden Knowledge News https://www.paypal.me/forbiddenknowledgenehttps://buymeacoffee.com/forbiddenWe are back on YouTube! https://youtube.com/@forbiddenknowledgenews?si=XQhXCjteMKYNUJSjBackup channelhttps://youtube.com/@fknshow1?si=tIoIjpUGeSoRNaEsDoors of Perception is available now on Amazon Prime!https://watch.amazon.com/detail?gti=amzn1.dv.gti.8a60e6c7-678d-4502-b335-adfbb30697b8&ref_=atv_lp_share_mv&r=webDoors of Perception official trailerhttps://youtu.be/F-VJ01kMSII?si=Ee6xwtUONA18HNLZPick up Independent Media Token herehttps://www.independentmediatoken.com/Be prepared for any emergency with Prep Starts Now!https://prepstartsnow.com/discount/FKNStart your microdosing journey with BrainsupremeGet 15% off your order here!!https://brainsupreme.co/FKN15Book a free consultation with Jennifer Halcame Emailjenniferhalcame@gmail.comFacebook pagehttps://www.facebook.com/profile.php?id=61561665957079&mibextid=ZbWKwLWatch The Forbidden Documentary: Occult Louisiana on Tubi: https://link.tubi.tv/pGXW6chxCJbC60 PurplePowerhttps://go.shopc60.com/FORBIDDEN10/or use coupon code knowledge10Johnny Larson's artworkhttps://www.patreon.com/JohnnyLarsonSign up on Rokfin!https://rokfin.com/fknplusPodcastshttps://www.spreaker.com/show/forbiddenAvailable on all platforms Support FKN on Spreaker https://spreaker.page.link/KoPgfbEq8kcsR5oj9FKN ON Rumblehttps://rumble.com/c/FKNpGet Cory Hughes books!Lee Harvey Oswald In Black and White https://www.amazon.com/dp/B0FJ2PQJRMA Warning From History Audio bookhttps://buymeacoffee.com/jfkbook/e/392579https://www.buymeacoffee.com/jfkbookhttps://www.amazon.com/Warning-History-Cory-Hughes/dp/B0CL14VQY6/ref=mp_s_a_1_1?crid=72HEFZQA7TAP&keywords=a+warning+from+history+cory+hughes&qid=1698861279&sprefix=a+warning+fro%2Caps%2C121&sr=8-1https://coryhughes.org/Become Self-Sufficient With A Food Forest!!https://foodforestabundance.com/get-started/?ref=CHRISTOPHERMATHUse coupon code: FORBIDDEN for discountsOur Facebook pageshttps://www.facebook.com/forbiddenknowledgenewsconspiracy/https://www.facebook.com/FKNNetwork/Instagram @forbiddenknowledgenews1@forbiddenknowledgenetworkXhttps://x.com/ForbiddenKnow10?t=uO5AqEtDuHdF9fXYtCUtfw&s=09Email Forbidden Knowledge News forbiddenknowledgenews@gmail.comsome music thanks to:https://www.bensound.com/ULFAPO3OJSCGN8LDDGLBEYNSIXA6EMZJ5FUXWYNC6WJNJKRS8DH27IXE3D73E97DC6JMAFZLSZDGTWFIBecome a supporter of this podcast: https://www.spreaker.com/podcast/forbidden-knowledge-news--3589233/support.

Artificial intelligence adoption is accelerating without formal ownership as employees, customers, and patients integrate AI tools into daily decisions. Surveys from Gallup show 45% of U.S. employees use AI at work at least occasionally, while research cited by OpenAI indicates roughly 60% of American adults recently used AI for health-related questions. Zoho and Arion Research report that 41% of organizations have strengthened privacy measures after adopting AI, reflecting growing concern about data exposure and accountability. For MSPs, the shift places liability closer to the systems being used rather than the vendors supplying them.Trust in digital media is also eroding as AI-generated content becomes harder to distinguish from authentic material. Instagram CEO Adam Mosseri states that assuming photos or videos reflect real events is no longer reliable and suggests verification at the point of capture rather than labeling generated content. This approach reframes trust as a technical system rather than a social assumption. For IT providers, the issue extends beyond social platforms to security footage, compliance evidence, training data, and any asset where authenticity must be demonstrated.At the same time, automation and AI training are converging on the same constraint: expert judgment. HireArt's 2025 AI Trainer Compensation Report shows subject-matter experts earning $60 to more than $180 per hour, compared with under $20 for generalist data labelers, reflecting the cost of errors in regulated or technical fields. Kaseya's 2025 EMEA MSP Benchmark Report finds that while nearly 75% of MSPs expect revenue growth, 45% face staffing and skills shortages, increasing reliance on automation built on accurate data and curated exceptions.Major vendors are embedding judgment directly into platforms. ServiceNow's planned $7.75 billion acquisition of Armis expands asset classification and risk scoring within workflows. Freshworks' acquisition of FireHydrant integrates AI-driven incident management into ITSM. Google Cloud's revamped Partner Network shifts incentives toward outcome-based tiers beginning in 2026. For MSPs and IT service leaders, these moves concentrate responsibility around interpretation, governance, and accountability, even as tools increasingly define risk and success.Four things to know today00:00 Surveys Show AI Adoption Is Happening Without Ownership as Employees, Customers, and Patients Lead Usage04:50 Instagram's CEO Says Trust Is No Longer Assumed as AI Forces Proof-of-Reality Models07:22 AI and MSP Automation Are Converging on the Same Bottleneck: Expert Judgment09:52 Vendors Shift From Tools to Judgement as ServiceNow, Freshworks, and Google Cloud Embed Risk, Incidents, and Outcomes This is the Business of Tech.    Supported by:  https://scalepad.com/dave/

Artificial intelligence boosters spent the year wedging the tech into our lives – whether we wanted it or not. But one new product brought A.I. from every app and website into the meatspace, forcing you to face it eye-to-eye. Guest: Nitish Pahwa, staff writer at Slate covering business and technology Want more What Next: TBD? Subscribe to Slate Plus to access ad-free listening to the whole What Next family and across all your favorite Slate podcasts. Subscribe today on Apple Podcasts by clicking “Try Free” at the top of our show page. Sign up now at slate.com/tbdplus to get access wherever you listen. Learn more about your ad choices. Visit megaphone.fm/adchoices

Artificial intelligence boosters spent the year wedging the tech into our lives – whether we wanted it or not. But one new product brought A.I. from every app and website into the meatspace, forcing you to face it eye-to-eye. Guest: Nitish Pahwa, staff writer at Slate covering business and technology Want more What Next: TBD? Subscribe to Slate Plus to access ad-free listening to the whole What Next family and across all your favorite Slate podcasts. Subscribe today on Apple Podcasts by clicking “Try Free” at the top of our show page. Sign up now at slate.com/tbdplus to get access wherever you listen. Learn more about your ad choices. Visit megaphone.fm/adchoices

This week, The Daily is revisiting some of our favorite episodes of the year and checking in on what has happened in the time since.Warning: This episode discusses sexual themes.Artificial intelligence has changed how millions of people write emails, conduct research and seek advice.Kashmir Hill, who covers technology and privacy for The New York Times, tells the story of a woman whose relationship with a chatbot when much further than that.Guest: Kashmir Hill, a features writer on the business desk at The New York Times, covering technology and privacy.Background reading: Listen to the original version of the episode here.Read more about her A.I. love story.Photo: Helen Orr for The New York TimesFor more information on today's episode, visit nytimes.com/thedaily. Transcripts of each episode will be made available by the next workday.  Subscribe today at nytimes.com/podcasts or on Apple Podcasts and Spotify. You can also subscribe via your favorite podcast app here https://www.nytimes.com/activate-access/audio?source=podcatcher. For more podcasts and narrated articles, download The New York Times app at nytimes.com/app.