Podcasts about Baby boomers

Inquérito levado a cabo em 29 países pelo Imperial College de Londres conclui que os homens GenZ (nascidos entre 1997 e 2012) são mais conservadores do que os homens da geração Baby Boomer (1946-1964)

Matilda Rånge på P3 Nyheter förklarar morgonens stora nyheter, alltid tillsammans med programledarna för Morgonpasset i P3: Linnéa Wikblad och David Druid. Lyssna på alla avsnitt i Sveriges Radios app. Var tredje Gen Z-kille tycker att kvinnan ska lyda mannen, enligt en undersökning som publicerats lagom till Internationella kvinnodagen. Enligt undersökningen har Gen-Z killar en mycket mer traditionell kvinnosyn än Baby Boomers har. Forskarna säger att resultaten är djupt oroande.Lite senare pratar vi om Timothée Chalamet som hamnat i hetluften efter hans uttalande om att ingen bryr sig om balett.

Letters Telling Our Love Story by Wanda Jennings https://www.amazon.com/Letters-Telling-Our-Love-Story/dp/B0GNP1F2ZD In 1966 the couple fell in love in college; then were separated during the next two summers.No email, no cell phones, no texting.Only writing letters and waiting for a response in the mailbox. They shared their love, they argued, they later debated about marriage. Is she doing what he wants with her hair? Can she make him like it Would they survive their separations? Could they remain as partners? Can they learn to live together? This is a love story unlike any in today’s world.It is a wonderful tale of Baby Boomers and what they went through as the Viet Nam war was going on.

In this week's News Roundup, Bridget and Producer Mike cover the tech news stories you might have missed. Hallow app beef update. Meta sued over false privacy promises about it's glasses. Gee, what a shocker. https://www.bbc.com/news/articles/c0q33nvj0qpo Google sued for wrongful death after a vulnerable user died by suicide after talking with its chatbot Gemini. https://techcrunch.com/2026/03/04/father-sues-google-claiming-gemini-chatbot-drove-son-into-fatal-delusion/ Brothel workers unite! Workers push back against a contract trying to claim rights to their image. Consider donating to them if you can! https://unitedbrothelworkers.org/ Advocates in the UK have been fighting nonconsensual image-based abuse, and winning. A new law makes the gross category of "semen-images" illegal. It's basically what you think. https://www.glamourmagazine.co.uk/article/semen-images-illegal-investigation and for context https://www.glamourmagazine.co.uk/article/glamour-campaign-10-downing-street A powerful piece by Kwaneta Harris & Leigh Goodmark describes the ways True Crime media exploits incarcerated women and makes them vulnerable to predation by creeps. https://truthout.org/articles/incarcerated-women-featured-in-true-crime-media-face-flood-of-sexual-harassment/ A new global poll finds that Gen-Z men are twice as likely as their Baby Boomer grandfathers to hold misogynistic views of gender roles. https://www.nbcnews.com/politics/politics-news/poll-gen-zs-gender-divide-reaches-politics-views-marriage-children-suc-rcna229255 [FUNNY] Pressing 2 for Spanish in the phone system of a Washington State agency leads to unexpected results. https://apnews.com/article/washington-dol-spanish-accent-ai-3a1b8438a5674c07242a8d48c057d5a3# Let us know what you think about these stories by emailing hello@tangoti.com or leaving a comment on Spotify! Pre-order our forthcoming audiobook about AI and intimate relationships at LoveAtFirstPrompt.com ! Follow Bridget and TANGOTI on social media! || instagram.com/bridgetmarieindc/ || tiktok.com/@bridgetmarieindc || youtube.com/@ThereAreNoGirlsOnTheInternet || bsky.app/profile/tangoti.bsky.socialSee omnystudio.com/listener for privacy information.

Tribe Sober - inpiring an alcohol-free life! My guest this week is British Psychiatrist Dr Tony Rao.  He is an international expert of alchohol misuse in older people - with more than 20 years experience in this area. He works with Baby Boomers in the UK who have alcohol issues - I was one of those for many years so found this conversation fascinating.. In this Episode Dr Tony explains how his interest in the field started with his parents who were both medics He believes it's essential to understand the community his patients are from if he is to understand their problems The baby boomer generation is more susceptible to alcohol abuse as we grew up with very different cultural attitudes  We believed it was ok to get drunk sometimes and the "work hard, play hard" ethos was encouraged in many corporates After decades of drinking the older generation have not even tried to cut down - many of them rely on it more as they get older Dr Tony believes that the "low risk" limits for alcohol should be reduced for older people as our bodies are less resilient Extra risks for older people include falls, mixing with medications and the fact that it takes longer to metabolize We agreed that although people are living longer the emphasis should be on "living well" for the last 10 years Dr Tony advises that we take the low risk limits seriously and reach out for help if we need it - there is always help. He has written a book called "Catch Me When I Fall" which dramatises the issue - available via Amazon More info Subscription membership for Tribe Sober join up HERE To access our website click HERE If you would like a free copy of our e-book "66 days to sobriety" please email us at janet@tribesober.com If you would like to come to our Saturday afternoon Zoom Cafe as a guest and meet our community just email janet@tribesober.com Episode Sponsor This episode is sponsored by the Tribe Sober Membership Program.  If you want to change your relationship with alcohol then sign up today.  Read more about our membership and subscribe HERE    Help us to spread the word! We made this podcast so that we can reach more people who need our help.  Please subscribe and share. We release a podcast episode every Saturday morning. You can follow Tribe Sober on Facebook and Instagram.  Thank you for listening!  Till Next Week Janet x

Send a textIn this episode I'm talking about the story behind my ultimate 70s tribute song, ‘These Were the Seventies.' What started as little memory notes and fun 70s references while I was writing my book slowly turned into a full song. This tune is packed with the sights, sounds, and goofy little details people from that era will remember instantly. In this episode, I'll share how the song came together, explain some of the lyrics, and play a little of it so you can hear where it's headed.Support the show

In this episode, we dive deep into one of the most playful yet culturally significant lyrics in Billy Joel's history-spanning anthem, We Didn't Start the Fire: "Hula Hoop." While it might sound like just a toy, the Hula Hoop represents a massive shift in post-war consumer culture. We explore how the team at Wham-O turned an ancient concept into a 1958 global craze that saw 25 million hoops sold in just four months.Join us as we discuss:The Origins: How an Australian exercise ring became an American icon.The Mania: Why the Hula Hoop was actually banned in some countries and viewed as a symbol of "Western decadence."Billy's Timeline: Why Joel chose this specific fad to represent the spirit of the late 50s alongside events like the Space Race and the rise of Elvis.The Legacy: How the Hula Hoop paved the way for the modern toy industry and remains a staple of nostalgia today.Whether you're a Billy Joel superfan or a history buff, grab your hoop and get ready to spin through the story of the fad that took the world by storm.Send a text

March 6, 2026: The U.S. economy lost 92,000 jobs in February — and the headline number is almost the least interesting part of the story. When you break down where the losses actually came from, you get a picture far more complicated than the AI-took-our-jobs narrative dominating social media right now. Healthcare, tech, federal government, manufacturing, transportation — each sector tells a different story, and together they reveal a labor market being squeezed from multiple directions at once: AI, tariffs, Baby Boomer retirements, post-pandemic correction, and a geopolitical shock that just sent oil past $87 a barrel. Meanwhile, the Fed is openly questioning whether it even has the tools to respond — because cutting rates doesn't create jobs for people whose skills have structurally shifted out of demand. Also this week: Uber's CEO says don't come here if you want to coast — and why that lands so differently in this economic moment. A new survey reveals that 90% of companies have AI chatbots but almost none have integrated AI into real workflows — and that gap is driving some dangerous workforce decisions. And the Bank of England just started war-gaming what happens if AI triggers a full economic shock.  Watch on YouTube ----- Start your day with the world's top leaders by joining thousands of others at Great Leadership on Substack. Just enter your email: ⁠⁠https://greatleadership.substack.com/ Looking for what actually moves the needle on performance and retention? It's in The 8 Laws of Employee Experience. Order here: 8EXlaws.com

Tripp Limehouse discusses the growing issue of loneliness among baby boomers, emphasizing the emotional aspects of retirement planning that are often overlooked. They explore the importance of social connections, the impact of divorce and geographic mobility on loneliness, and the necessity of income planning to ensure a successful retirement. The discussion also covers strategies for replacing income in retirement, the relevance of the 4% rule, and the benefits of real estate investments and tax strategies, including depreciation and 1031 exchanges. Visit Limehouse Financial to learn more. Call 800-940-6979See omnystudio.com/listener for privacy information.

The conservative movement, or what is left of it, is at a generational crossroads. I break down the Texas primary vote to show that although there were some victories, conservatives still underperformed because Baby Boomers continue to support status-quo Republicans. We need a message of pro-humanism vs. transhumanism to bring in younger Republicans to a constructive alternative to the Baby Boomer GOP. Later on, I discuss the shocking reality of the AI and green energy takeover. From Ohio to Oklahoma, state governments are handing over your land and spiking your utility bills to build massive data centers, wind farms, solar arrays, and carbon-capture pipelines. You are footing the bill for a transhumanist, ultra-processed future. It's time to draw the battle lines: Pro-Humanism vs. Transhumanism. Learn more about your ad choices. Visit megaphone.fm/adchoices

This week, I sat down with Nic de Angelo to unpack one of the biggest financial shifts of our lifetime: the Greatest Wealth Transfer.Over the next 15 years, we'll witness the largest transfer of wealth in human history, and the implications are massive.

Stewart Alsop sits down with Ulises Martins on the Crazy Wisdom podcast to explore how artificial intelligence is fundamentally disrupting professional careers, labor markets, and the pace of human adaptation itself. They discuss everything from Dario Amodei's concept of "technological adolescence" to the possibility that we're approaching a point where AI advancement accelerates beyond our ability to keep up, touching on topics ranging from the economics of software development and the future of warfare to generational differences in how people will respond to AI-driven change. Martins emphasizes that while we may not be able to predict exactly what's coming, we need to dramatically increase our efforts to learn and adapt—potentially doubling the time we invest in understanding AI—because this isn't optional change, it's disruption happening at an unprecedented speed. Connect with Ulises on Linkedin to follow his work in AI and generative technology.Timestamps00:00 — Stewart introduces Ulysses Martins, framing the conversation around accelerationism and the future of work.05:00 — Ulises uses the parent-child analogy to argue humans will no longer play the dominant role as AI surpasses us.10:00 — Both agree learning AI is non-negotiable, urging listeners to double their investment in staying current.15:00 — Discussion shifts to software as media, the collapsing cost of building products, and the risk of big players like Anthropic making your idea obsolete overnight.20:00 — Ulises raises ecology vs. cosmic ambition, questioning whether humanity should aim for civilizational-scale goals like the Dyson sphere.25:00 — Stewart's ESP32 hardware project illustrates AI's current blind spots beyond software, while both predict physical-world AI will arrive as a byproduct of bigger industrial goals.30:00 — Tesla's birthplace in Croatia sparks a reflection on human genius as luck versus deliberate investment, invoking the Apollo program as a model.35:00 — The US-China AI race is compared to the Cold War Space Race, with interdependency acting as a brake on outright conflict.40:00 — Drone warfare and AI reframe military power, making troop size irrelevant and potentially reducing total war.45:00 — Agile methodology and generational shifts are linked, asking how Gen Z's values will shape the AI era globally.50:00 — Argentine vs. American Zoomers are contrasted, with millennial expectations versus Gen Z's pragmatism explored.55:00 — Ulises closes urging everyone to enjoy the ride, taking the infinite stream of change one episode at a time.Key Insights1. The Death of Traditional Career Paths: The concept of professional careers as we know them—starting as a junior and progressively advancing—is becoming obsolete due to AI's rapid advancement. This applies far beyond just software and SaaS companies, extending to all industries as robots and AI systems gain capabilities that fundamentally disrupt labor markets. The question isn't whether we'll adapt, but whether humans can adapt fast enough to keep pace with exponential technological change.2. The Acceleration Imperative: People must dramatically increase their investment in learning about AI immediately. Whatever time you were previously dedicating to staying current with technology needs to be doubled or tripled. This isn't optional—it's comparable to the necessity of basic education. Unlike previous technological transitions where you had years to learn new frameworks or tools, the current pace demands immediate, intensive engagement or you risk becoming irrelevant.3. Software as Media and the Collapse of Development Economics: Software has become media—easily reproducible and increasingly commoditized through AI assistance. The fundamental economics of software development are collapsing because if building software requires dramatically fewer development hours, the value and price of that software must necessarily decrease. Entrepreneurs need a new evaluation framework that assesses the risk of their ideas being replicated by AI or absorbed by major players like Anthropic or OpenAI.4. The Parent-Child Analogy for AI Development: Humanity's relationship with AI will inevitably mirror that of parents with increasingly capable children. Initially, we understand and control what AI does, but as it advances, it will surpass human capabilities in most domains. Just as parents cannot control fully grown adult children who exceed their abilities, humans will need to reconcile with creating something superior to ourselves. Attempting to permanently control such systems may be both impossible and potentially pathologic.5. The Kardashev Scale and Civilizational Ambitions: AI represents a civilizational-level technology that should redirect humanity toward grander goals like capturing stellar energy through Dyson spheres and expanding beyond our solar system. The competition between China and the United States over AI mirrors the Apollo program's space race but with higher stakes—potentially making traditional concepts like money less relevant if we successfully crack general intelligence. This requires thinking beyond planetary constraints.6. The Changing Nature of Warfare and Geopolitics: AI and autonomous weapons systems are fundamentally changing warfare by making human soldiers less relevant, similar to how nuclear weapons reduced the importance of conventional military force. This shift may actually reduce bloody civilian casualties in conflicts between major powers, as drone warfare and AI-driven systems create new equilibriums. The geopolitical map may fracture into more sovereign states and city-states as centralized control becomes less effective.7. Generational Adaptation and Unpredictability: Different generations will respond uniquely to AI disruption based on their values and experiences. Generation Z, having grown up during the pandemic without traditional expectations, may adapt differently than millennials who experienced unmet expectations. However, we must remain humble about our predictive abilities—we're not good at forecasting technological change or its timing. The best approach is maintaining openness, trying to understand developments as they unfold, and accepting that we cannot consume all information in an era of unlimited AI-generated content.

This week Nicola and Di are back with the first 2026 episode of Over The Money Fence with Roger Montgomery. This series aims to help you take control of your finances with clarity and confidence. Roger is the Founder and Chairman of Montgomery Investment Management, has over 30 years’ investing experience and is a highly respected financial commentator featuring on various ABC programs, as well as his popular column in The Australian newspaper. He is also the author of best-selling investment guidebook Value.able. In this episode, we take a look at the changes that are currently happening in the world, and how that could impact our finances. Roger explains how the tailwinds that have benefited the stock markets in the past, and have benefited the Baby Boomers and Gen X are shifting, and why that means we need to consider other investments. Roger talks about the importance of diversification and how you need to look at investing in things that don’t move the same way as your existing investments. He discusses alternative investment options that can provide you with regular income, low capital volatility and attractive returns like private credit and the differences in those types of funds. He also explores high-frequency trading and arbitrage strategies, which historically were largely accessible only to institutional investors. We talk about the impact of AI on certain industries, particularly the software as a service industry, which has been the biggest industry people have invested in over the last 25 years. Roger also gives us his best insights into what will likely happen in the markets in 2026 and what he thinks will be wise investments this year. And we also answer some listener questions for you. As always, we loved having this conversation with Roger in the studio. We are so grateful to have found someone that makes us feel safe and relaxed to talk about our finances and empowers us with the tools to take control and feel more confident. We hope you enjoy this episode as much as we did. This episode is proudly supported by Montgomery Investment Management, trusted experts helping you build and protect your financial future. For further information, please contact David Buckland, Chief Executive Officer or Rhodri Taylor, Account Manager on (02) 8046 5000 or investor@montinvest.com Find out more about Montgomery Investment Management here - https://montinvest.com Find out more about Montgomery private credit funds here - https://www.montinvest.com/privatecredit Read Roger’s article from The Australian that’s referenced in this article - https://rogermontgomery.com/the-australian-private-markets-offer-refuge-as-the-traditional-60-40-portfolio-crumbles/ Learn more about Roger and read his articles here - https://rogermontgomery.com Buy Roger's book Value.able here - https://rogermontgomery.com/valueable-book/ Follow Roger on IG here - https://www.instagram.com/rogerjmontgomery/ Follow Roger’s YouTube channel here - https://www.youtube.com/user/rogerjmontgomeryFollow Roger on X here - https://x.com/rjmontgomery Follow Roger on Facebook here - https://www.facebook.com/montgomeryroger/Follow Roger on LinkedIn here - https://www.linkedin.com/in/rogermontgomery/ Follow Nicola and Di on IG here - https://www.instagram.com/overthebackfencepodcast/ Follow Nicola and Di on YouTube here - https://www.youtube.com/@Overthebackfencepodcast/podcastsSee omnystudio.com/listener for privacy information.

Tripp Limehouse discusses the growing issue of loneliness among baby boomers, emphasizing the emotional aspects of retirement planning that are often overlooked. They explore the importance of social connections, the impact of divorce and geographic mobility on loneliness, and the necessity of income planning to ensure a successful retirement. The discussion also covers strategies for replacing income in retirement, the relevance of the 4% rule, and the benefits of real estate investments and tax strategies, including depreciation and 1031 exchanges. Visit Limehouse Financial to learn more. Call 800-940-6979See omnystudio.com/listener for privacy information.

Are we in a News Media Golden Age, or a fragmented era? In this “Generational Divides” episode, Reason editor-at-large Nick Gillespie brings together Baby Boomer, Millennial, and Gen Z voices to debate how our media landscape is changing. Are more platforms expanding truth, or blurring the line between news and entertainment? Are journalists accountable to funders, audiences, or the truth? As industry shakeups like recent Washington Post layoffs signal change, what does the future of news media look like?  For Baby Boomers: Kurt Andersen, Novelist, and Former Host of NPR's "Studio 360"; Co-founder of Spy magazine  For Millennials: Nellie Bowles, Journalist & Co-Founder of The Free Press   For Gen Z: Rachel Janfaza, Journalist & Founder of The Up and Up Substack; Contributor to The Bulwark  Nick Gillespie, Editor-at-Large at Reason, is the guest moderator.  Join the conversation on Substack—share your perspective on this episode and subscribe to our weekly newsletter for curated insights from our debaters, moderators, and staff.  Follow us on YouTube, Instagram, LinkedIn, X, Facebook, and TikTok to stay connected with our mission and ongoing debates.   Learn more about your ad choices. Visit podcastchoices.com/adchoices

America's Caregiving Crisis Is Here | Aging, Exhaustion & Political Chaos My sister had a brain tumor removed. The surgery was successful. The recovery? Brutal. Family members — daughters, friends, me — are stepping in. But here's the reality: caregiving in America is overwhelming, underfunded, and often unsupported by insurance. Daily nursing care isn't covered. Families are left to manage medications, mobility, doctor visits, and emotional breakdowns while trying to maintain jobs and lives. America is aging rapidly. Baby Boomers are entering their most vulnerable years. So who is going to care for them? We don't have a plan. We don't have enough nurses. We don't have a system built for long-term home recovery. Is the future robots? AI caregivers? Or total burnout for families? This isn't political theater. It's happening right now in homes across the country. Meanwhile, Donald Trump says members of Congress who challenged him should be arrested. The statement was posted publicly. What does that mean for democratic norms? And The New York Times reports that records tied to the Epstein files may be missing — including information involving allegations connected to Trump. What is happening with these investigations? Caregiving. Accountability. Democracy. The system strain is everywhere. The Karel Show streams live Monday–Thursday at 10:30 AM PST. Watch and subscribe at youtube.com/reallykarel Support independent media at patreon.com/reallykarel Independent voice from Las Vegas.

In this part two segment of the Lunchtime Series, Kevin Britz and Craig Page-Lee dive deep into the essential cross-generational marketing strategy tips marketers must adopt to effectively engage with a multigenerational workforce. They discuss how to move beyond basic channel awareness to implementing strategies focused on personalization, authenticity, and data-driven intentionality. Learn the seven core tips for success, the importance of the CMO/CIO partnership, and why "mobile-first" is no longer optional.Remember to like and share and help us grow our channel!-----Timestamps00:04:15: Introduction: Welcome to the Marketing, Leadership & Coaching segment00:05:08: Framing the Discussion: Do marketers truly understand how to adapt messages across multiple channels for different generations?00:07:24: Quick Recap: Key communication channels for Silent Generation, Baby Boomers, Gen X, Millennials, Gen Z, and Gen Alpha00:08:41: Tip 1: Adopt an Omni-Channel Approach (Effective campaigns integrate across all channels for higher engagement)00:11:21: Tip 2: Personalize Based on Generational Values (Adapting the core message to resonate with different audiences)00:12:33: Tip 3: Test and Optimize Continuously (Monitoring engagement metrics and adjusting based on real performance data)00:14:00: Tip 4: Authenticity Matters Across All Generations (Trust is the underlying currency)00:16:20: Tip 5: Mobile First is Universal (All content must be mobile-optimized, as mobile website usage has overtaken desktop)00:18:48: Tip 6: Purpose-Driven Messaging Resonates Broadly (It is a strategic growth asset across all generations)00:21:26: Tip 7: Combine Broad Guidelines with Individual Behavior Data (Generational insights are guidelines, not absolute rules)00:23:56: The Strategic Importance of the Chief Marketing Officer (CMO) and Chief Information Officer (CIO) Partnership00:26:38: Final Summary: Embracing the multigenerational marketplace strategicallyHost: Kevin Britzhttps://www.leadershipbydesign.co/Guest: Craig Page-Lee

For 40 years Dennis Pruitt served as vice president for student affairs at USC, where he was responsible for nearly every facet of the student experience. In the face of near constant change, Pruitt helped create an ecosystem where successive generations of students could thrive in and out of the classroom. 

The red mic light is stuck on… permanently. So today’s show is being held together with duct tape. It’s Monday Winners & Losers, Things That Make You Go Grrr & we played Baby Boomer movies in Timewasters. Plus, Christian’s glasses actually broke mid show after Patsy had just been celebrating her new ones. All that, and somehow we stayed on air. Duct tape really does fix everything.See omnystudio.com/listener for privacy information.

A 23-year-old renter recently said she feels her money is safer in the stock market than in a house—a statement that may surprise investors shaped by past housing and market crashes. The “Henssler Money Talks” hosts explore how generational experience influences our perception of risk and why what we've lived through often drives how we invest—from Boomers who remember double-digit inflation, to Gen X and the dot-com bust, to Millennials and the housing crash, and Gen Z's era of rapid recoveries and tech-driven growth.Original Air Date: February 21, 2026Read the Article: https://www.henssler.com/have-markets-become-the-safe-asset

Dealing with common stress affects everyone at times in our lives and it can be challenging to live normally when under stress. Unfortunately this can also affect us physically through our bodies which can causes aches, pains, headaches etc. Fortunately there are a few things you can try to help your body better respond to stress which will help keep you feeling healthier when these challenging times occur. In This Episode You Will Learn: 1). Why we decided to dedicate a full episode to this topic and how the effects of stress is closely tied to many of the issues we discuss on our podcast. 2). Some of Meredith's personal experiences in working with clients over the years and their stories on dealing with stress in their lives. 3). How stress can accumulate over time if not addressed or managed. 4). Why focusing on putting yourself first either through meditation, rest, relaxation or quality time with loved ones is important to help stray off the effects of stress. 5). How participating in regular exercise helps curb the effects of stress. /// We hope the tips we've shared in this episode are helpful to you or someone you know who may be dealing with the effects of stress. Making sure your body is resilient to challenging times will help keep you focused and active which will also help promote better health for years to come. Team MeredithSee omnystudio.com/listener for privacy information.

"They always say time changes things, but you actually have to change them yourself." – Andy Warhol This quote reminds us that we are in control of our lives, and what changes we must grow with…time is inevitably going to go forward. MeredithSee omnystudio.com/listener for privacy information.

Dr Paul Axton joins David Gornoski to talk about the violent passages in the Old Testament, the unreality of the world vs the reality of the Gospel, Tucker Carlson as peacemaker, redeeming the Baby Boomer generation, how Christ saves the cosmos, and more. Check out Forging Ploughshares podcast here. Follow David Gornoski on X here. Visit aneighborschoice.com for more

Fleet is changing. Fast. On this episode of The Fleet Success Show, Marc Canton (VP of Product) is joined by Jenelle Hansen (VP of Customer Success) to talk about the changing face of fleet leadership and what that means for fleet maintenance software.From the exodus of retiring Baby Boomers to the influx of tech-savvy leaders from outside the industry, Jenelle and Marc break down the shift in mindset, tools, and expectations. Fleet managers aren't just responsible for vehicles anymore—they're expected to analyze data, optimize workflows, and speak the language of leadership.The discussion covers how new fleet leaders are approaching automation, digital transformation, implementation, and training, and why your FMIS needs to be more than a repository for work orders. If you're a fleet leader looking to gain operational efficiency, reduce manual tasks, and prove your team's value to stakeholders, this episode is a must-listen.Key Takeaways:The "changing of the guard" in fleet is real, and it's changing the role of the fleet managerWhy newer fleet leaders are laser-focused on data, automation, and reportingCommon mistakes to avoid during software implementationWhy consistency, communication, and clean data are key to long-term successHow training (or the lack of it) can make or break your software ROIWhy implementation is not a burden—it's an opportunity to improve processes and lead with intentionMarc Canton is the Vice President of Product at RTA: The Fleet Success Company. With decades of experience in fleet and product strategy, Marc helps shape the future of RTA's FMIS platform to meet the evolving needs of modern fleet operations.Jenelle Hansen is RTA's Vice President of Customer Success. She leads the teams responsible for implementation, training, and ongoing support. Jenelle and her team sit on the front lines of fleet modernization, helping customers adapt, optimize, and thrive. Looking to take the next step to fleet success? Start by requesting your free copy of The Fleet Success Playbook. Written by fleet professionals for fleet professionals, the Playbook breaks down the four key pillars of fleet success, and gives you the tools you need to build a truly great fleet. Request your free (yes, really, free!) copy here: https://rtafleet.com/resources/fleet-success-playbook?utm_source=simplecast&utm_medium=footer_notes&utm_campaign=episode_213 Control fleet chaos with RTA Fleet360, proven software designed by fleet managers for fleet managers: https://rtafleet.com/book-a-demo?utm_source=simplecast&utm_medium=footer_notes&utm_campaign=episode_213

Over 10,000 people a day are turning 65 years old! Thousands of Baby Boomers are enrolling in Medicare daily! Whether you're new to Medicare or you have been enrolled for a while - Toni King addresses the basics of Medicare to make your Medicare journey easy to navigate! Want more information? Take advantage of Toni's brand new video series now a available at https://tonisays.com Remember - with Medicare it's what you don't know that will hurt you! There's so much good information in this podcast, please be sure to share this podcast with your friends! Recognized by feedspot.com as one of the best Medicare Podcasts in the nation! Write Toni - info@tonisays.com. Toni's book is available at www.seniorresource.com and https://tonisays.com You can call Toni at 832-519-8664 Toni welcomes all Medicare questions. Toni ow offers informative Medicare Webinars for all of your Medicare needs at https://tonisays.com You can find Medicare Moments wherever you find your favorite podcasts, such as: Apple: https://apple.co/44MoguG Spotify: https://open.spotify.com/show/7c82BS4hb145GiVYfnIRsoAmazon Music: https://music.amazon.com/podcasts/884c1f46-9905-4b29-a97a-1a164c97546b/medicare-moments?refMarker=null Toni's new book: Maze of Medicare is now available at www.tonisays.com Combining Scripture with Medicare, it is the only book of its kind. Toni's columns appear weekly in about 100 newspapers across America. If you would like Toni's column to appear in your local paper, or if you would like Toni to speak at an event - contact Toni King at 832-519-8664 Thank you for listening and be sure to tell your friends about Medicare Moments! Blessings! Toni KingSee omnystudio.com/listener for privacy information.

We’re all part of a generation, that’s a large group of people born around the same time as us. These generations have names too, like Gen X, Baby Boomers or Gen Alpha. Who came up with these generations and why do we have them? We’ll speak to experts and learn what makes each generation unique. Plus, what if you could rename your generation? Plus, Mr. Bonejangles can’t remember his birthday so he has no idea what generation he’s part of! All this and a timeless mystery sound. Enjoy! Guests:Dr Jean Twenge: Professor of psychology at San Diego State University, and author of iGen, Generations, and 10 Rules for Raising Kids in a High-Tech World. Kim Parker: Director of social trends research at Pew Research Center. Corey Seemiller: Professor of leadership studies in education and organizations at Wright State University, and author of Generation Z. Want to support Brains On and all of the shows in the Brains On Universe? Sign up for Smarty Pass. You'll get ad-free episodes of all our shows, bonus content, virtual hangouts, discounts on merch and more! Want to see Brains On live?!? We are probably coming to a city near you. For a complete list of shows and links to tickets head to our events page. More shows announced soon! Feb 21 - Just for Laughs Festival, Vancouver, BC Feb 22 - The Neptune, Seattle, WA March 7 - Turner Hall Ballroom, Milwaukee, WI March 8 - Fitzgerald Theater, St. Paul, MN March 28 - Center Stage, Atlanta, GA March 29 - Amaturo Theater, Fort Lauderdale, FL Click here for a transcript of this episode See omnystudio.com/listener for privacy information.

For good or ill, the post World War II era built by the Baby Boomers seems to be rapidly coming to an end.  But what will replace it?  What might be done to prevent global conflicts and bloodshed as the old order begins to break down?  And what should younger conservatives seek to conserve in this era of chaotic change?  Joining Saving Elephants host Josh Lewis is Director of Research at the Danube Institute, Calum Nicholson to share how the Anglosphere often misunderstands the way the rest of the world thinks and how that might help us better prepare for what's ahead. About Calum Nicholson From the University of Cambridge bio With a background in social anthropology and human geography, Dr Calum T. M. Nicholson has conducted original research that reconsiders how we understand the societal implications of climate change, notably in the context of its relationship to human migration and international development. A former development consultant and Parliamentary researcher, at PACE Dr Nicholson teaches courses on international development, international migration, and the politics of climate change. Dr Nicholson also teaches a well-received course on the political, cultural, and historical significance of social media. He is currently Director of Research at the Danube Institute, and was formerly Director of the Climate Policy Institute. His new book is entitled Climate Migration: critical perspectives for law, policy, and research.   Introducing Conservative Cagematches Ever since Leo Strauss published his magnum opus Natural Right and History, which ends by heavily implying Edmund Burke opened the door for the evils of historicism in the modern world, a great fissure in conservative nerddom erupted between those who align with either titan. Were Strauss' criticism of Burke warranted? Did Burke disavow natural rights and pave the way for the evils of authoritarianism, fascism, Marxism, and progressivism to come? Does a careful, esoteric reading of Natural Right and History reveal the Strauss secret family chili recipe? On Wednesday, March 4 at 6PM EST / 5PM CST, Saving Elephants will assemble an all-star panel to answer these questions and more. Representing Edmund Burke: Greg Collins of Yale University and Lauren Hall of the Rochester Institute of Technology Representing Leo Strauss: Steve Hayward of Pepperdine and the international woman of mystery, Lucretia of the University of Arizona You can watch the livestream on YouTube or Facebook  

Staying mobile and living an active lifestyle is the holy grail of aging. However, not all of us will be able to be as active as we'd like in our golden years. What happens when you are still very much independent and mobile but your spouse or loved one is not? This can present many challenges especially in a close relationship. The mental, emotional and physical toll this can take on both parties can be devastating to a relationship in the long run. Thankfully it doesn't have to be that way no matter what your limitations are. In This Episode You Will Learn: 1). One of Meredith's personal experiences she had learning about a close friend's parents who deal with limitations in the relationship and why it's important to talk about it.` 2). Some of the common challenges that occur when living in a situation where you or your loved one can't do the same things as the other anymore. 3). Great suggestions on how to modify any physical activity like taking walks etc. so that you both can still enjoy time together. 4). Why open communication between both parties is always important but especially in this type of situation. 5). Why it's still OK to do activities separately if one is not able to participate and still be able to share stories and make memories together. /// We hope the information in this episode is helpful to you or someone you know who may be going through challenging times with their spouse or loved ones. It's not easy making changes later in life but knowing there are things you can do to keep your relationship active, fun and exciting even when limitations are an issue is important. Team MeredithSee omnystudio.com/listener for privacy information.

In this episode, Kevin Britz is joined by leadership and marketing specialist Craig Page-Lee for a deep, timely conversation on one of the most important workplace realities shaping 2026 and beyond:

A new study shows that Baby Boomers are the wealthiest generation in American history, collectively accumulating an estimated $85 trillion. Their wealth has eclipsed that of the Silent and Greatest Generations, accounting for more than 70% of the country's total wealth. Nancy Tengler, CEO and Chief Investment Officer of Laffer Tengler Investments, joins FOX Business Network's Gerri Willis to discuss the future of that money, its potential impact on the economy, and how younger generations can prepare for the upcoming wealth transfer. Learn more about your ad choices. Visit podcastchoices.com/adchoices

A new study shows that Baby Boomers are the wealthiest generation in American history, collectively accumulating an estimated $85 trillion. Their wealth has eclipsed that of the Silent and Greatest Generations, accounting for more than 70% of the country's total wealth. Nancy Tengler, CEO and Chief Investment Officer of Laffer Tengler Investments, joins FOX Business Network's Gerri Willis to discuss the future of that money, its potential impact on the economy, and how younger generations can prepare for the upcoming wealth transfer. Learn more about your ad choices. Visit podcastchoices.com/adchoices

"Change is inevitable. Growth is optional." – John Maxwell This quote reminds us that we are always changing, but how we grow from it is an option we must choose. MeredithSee omnystudio.com/listener for privacy information.

A new study shows that Baby Boomers are the wealthiest generation in American history, collectively accumulating an estimated $85 trillion. Their wealth has eclipsed that of the Silent and Greatest Generations, accounting for more than 70% of the country's total wealth. Nancy Tengler, CEO and Chief Investment Officer of Laffer Tengler Investments, joins FOX Business Network's Gerri Willis to discuss the future of that money, its potential impact on the economy, and how younger generations can prepare for the upcoming wealth transfer. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Send a textTodd and I are on the edge of a huge milestone: The 70's Buzz Podcast is about to hit one million downloads.In this special episode, I rewind the tape and go from growing up in Enid in the 1970s (long summer nights on W. Broadway with the neighborhood crew) to my early days of blogging and experimenting with podcasts way back in 2005.You'll hear how a “let's try something” idea turned into a real studio, real microphones, and eventually a weekly show that's become part of our lives since 2017. We talk about the early projects (CurtisTucker.com, E-Talk, radio spots, livestream adventures), the wild Broadway Tower rooftop supermoon moment that helped launch our first studio space, the bumps we hit (including a building fire that shut us down for a while), and the decision that changed everything: stop doing random shows and go all-in on one subject—growing up in the 70s.As of February 12, 2026, we've released 429 episodes and we're sitting at 998,792 downloads with listeners all over the world (especially the US, Australia, Canada, and the UK). We also share what's working best (our 70s song episodes) and where people listen most (Spotify, iHeartRadio, Apple Podcasts, and Amazon Music).This episode is a celebration, a behind-the-scenes origin story, and a thank-you to everyone who's been along for the ride. One million is happening like, any minute now.Support the show

The numbers don't lie.

Ready to unlock better communication and collaboration? Generational awareness is an “old but new” topic that’s critical in today’s diverse workplace and customer landscape. We’re diving deep into the challenges of connecting with Baby Boomers, Gen X, Millennials, and Gen Z. Can you really “put on a different hat” for every interaction? Hear why putting people into generational buckets is a disservice, and discover the fundamental communication strategies that transcend age. What’s your experience managing a multi-generational team? Tune in to find out how to create a more peaceful, productive environment for everyone! Key Timestamps/Show Highlights 00:00 – The challenge: Why “generational awareness” is still a vital topic after 20 years. 01:05 – Calling all experts: The current state of communication strategy across generations. 01:25 – Understanding the generational lineup: Baby Boomers, Gen X, Millennials, and Gen Z. 01:45 – The “Helicopter Parent” challenge: Dealing with multiple communicators in student housing. 02:30 – Why “putting on a generational hat” for communication doesn’t work. 03:00 – Essential communication: Making quick decisions based on individual input. 03:30 – The problem with generational “buckets”: Why assessing the individual is key. 04:20 – Beyond the foundation: External factors (background, job history) that influence interaction. 05:05 – Foundational communication: Determining individual needs and priorities. 05:30 – Multi-generational workplaces: Strategies for improving communication and creating peace.

CEO Naomi James joins us to discuss leading a critical reset for Ryman Healthcare. The healthcare and property hybrid holds over $12 billion in assets, but the post-covid era has exposed its over-reliance on the housing market. In this episode, Naomi reveals Ryman’s big shifts to achieve its first positive free cash flow in over a decade—and the tough calls along the way, including closing care centres and resetting the balance sheet. With the 80-plus population set to double by 2050, is our healthcare system ready for the Baby Boomers? What’s happening with urgent aged care funding reforms, and what can we learn from Australia? Naomi talks about balancing resident outcomes and shareholder returns, and why a well-functioning retirement sector is foundational to the entire public health system. For more or to watch on YouTube—check out http://linktr.ee/sharedlunchShared Lunch is brought to you by Sharesies Australia Limited (ABN 94 648 811 830; AFSL 529893) in Australia and Sharesies Limited (NZ) in New Zealand. It is not financial advice. Information provided is general only and current at the time it’s provided, and does not take into account your objectives, financial situation and needs. We do not provide recommendations and you should always read the disclosure documents available from the product issuer before making a financial decision. Our disclosure documents and terms and conditions—including a Target Market Determination and IDPS Guide for Sharesies Australian customers—can be found on our relevant Australian or NZ website. Investing involves risk. You might lose the money you start with. If you require financial advice, you should consider speaking with a qualified financial advisor. Past performance is not a guarantee of future performance. Appearance on Shared Lunch is not an endorsement by Sharesies of the views of the presenters, guests, or the entities they represent. Their views are their own.See omnystudio.com/listener for privacy information.

What if the real threat to our economy isn't in tomorrow's headlines—but in the unstoppable march of demographics and a hidden wave of “financial eminent domain”?Lou Diamond sits down with his former mentor, Wall Street legend and the original “Convexity Maven” himself, Harley Bassman, for a riveting, honest conversation that will change how you see global markets, monetary policy, and even your own mortgage.In this candid interview, Harley Bassman unpacks how decades of government policy, economic cycles, and simple human nature keep repeating themselves—no matter how much we hope things will be different this time. From the impending strain of an aging Baby Boomer generation to why gold's recent rise signals more than market speculation, Harley shares his unfiltered perspective on where our financial system is heading and what might make it unravel.Key episode highlights include:The real drivers behind persistent deficits and why both political parties are “just going to print money”—with staggering consequences (05:00)Why Harley believes that market timing is a “terrible idea” and instead urges listeners to focus on 30,000-foot, long-horizon trends (04:17)An exclusive breakdown of Harley's innovative take on mortgage portability, and why your ultra-low-rate mortgage might soon be treated like a financial asset you can literally take with you (10:00)The surprising ways good intentions in public policy often trigger unexpected market distortions—from rent control to historic Fed moves (09:05)Behind the scenes of inventing legendary financial instruments, why the MOVE Index was created, and what it really means to stand “on the shoulders of giants” (07:06)Harley's personal reflections on the scariest economic crisis of his career, and the lasting damage the COVID era did to public trust (19:43)Plus, a speed round of personal favorites, career advice, and why you should “go on vacation with your kids—you're dead a lot longer than you think” (16:11)Whether you're a market veteran or a curious listener, get ready for an episode brimming with hard-won wisdom, sharp humor, and truths the financial news never tells you.Timestamped Episode Overview:00:00 – Intro and welcome with Lou Diamond00:26 – Harley's background and mentoring legacy02:23 – How Harley became a prolific financial writer03:45 – The power (and limits) of episodic market commentary04:08 – Geopolitics, demographics & deficits05:35 – Why history always repeats: “It's never different this time”07:03 – Creating products: Solving problems and seizing mispriced opportunities08:33 – Mortgage portability: A solution to America's housing logjam12:03 – The evolution and politics of the Fed15:38 – Where to find Harley online and why family vacations matter16:50 – Fun Street: Music, movies, lifestyle habits & favorite places19:17 – The scariest market crisis Harley ever lived through21:10 – Lou thanks Harley and wraps up22:00 – Outro and how to stay connectedListen and discover the patterns behind the chaos—only on Thrive Loud.

I finally found the term that describes me: Generation Jones. Not a Baby Boomer, but not quite Gen X either. The in-between that's sandwiched between two generations and as I talked with my friends I realized many of them felt the same way.  Key Takeaways:    [0:30] So I'm technically a boomer - but I'm not [3:01] I'm a generation Jones [4:35] Biggest difference between baby boomers and gen jones  [6:01] The political and technological differences  [11:57] Idealists vs realists  [14:07] Feeling like you don't belong in a generation [14:53] Keeping things private versus saying something [17:52] How we manage our emotions [20:19] Being able to talk freely [21:33] The different way we grieve  Connect with Barb:   Website   Facebook    Instagram   Be a guest on the podcast    YouTube   The Molly B Foundation  

Coming up with an exercise routine or plan that fits your lifestyle, schedule and goals can be challenging. Life is constantly changing and our needs change as well. Having a plan in place that you can follow or that helps guide you on your fitness journey can make your active lifestyle much more enjoyable. In This Episode You Will Learn: 1). Why having an exercise plan or routine that you can rely on is important especially as you age. 2). How feeling like you're not in control can make you feel anxious and can affect your motivation to exercise consistently. 3). Why it's important to be flexible when it comes to setting up your exercise plan to account for unexpected circumstances and schedules. 4). The importance of setting up clear goals that are achievable to help motivate you through your journey. 5). How "self care" plays a big role in designing your schedule and the importance of keeping that the priority as you plan. /// We hope the tips we've shared in this episode are helpful to you or someone you know who may be having trouble with coming up with a reliable exercise plan or routine. Staying active as you age is important and knowing how to manage your routine over the years will come in handy when life throws curveballs at you. Stay motivated, inspired and healthy always. Team MeredithSee omnystudio.com/listener for privacy information.

Tim Martinez, Value Creation, Strategic, and Exit & Succession Planning Advisor—also known as “The Inside Man”—is on a mission to empower entrepreneurs and make the world a better place with his philosophy of “No entrepreneur left behind.”  In this episode, Tim shares how he evolved from starting small businesses as a teenager to advising founders on high-stakes growth and exit decisions. We explore Tim's 3 Exits Framework, which breaks exit planning into three critical phases: Mental Exit (separating identity from the business), Role Exit (building leadership and succession so the business can run without the owner), and Technical Exit (valuation, deal structure, and the formal sale process). Tim also explains why AI is accelerating business disruption, why minimalism is a competitive advantage, and what keeps so many businesses stuck at the $3M revenue ceiling. — 3 Ways to Exit Your Business with Tim Martinez Good day, dear listeners. Steve Preda here, the Founder of the Summit OS Group. And I have as my guest today Tim Martinez, who is a Value Creation, Strategic, and Exit & Succession Planning Advisor, also known as “The Inside Man.” Tim also has a successful Substack with lots of followers, which has a similar title, Inside Man. He's also built his own ChatGPT API, so he's running with the times. Tim, welcome to the show.  Thanks, Steve. Great to be here.  Finally, we have someone who is ahead of the curve on AI and the technological evolution that's part of this new industry revolution. So let’s start with my favorite question. What is your personal ‘Why’ and how are you manifesting it in your practice and in your business?  Yeah. My personal ‘Why’ is to make the world a better place and to empower entrepreneurs. “No entrepreneur left behind” has kind of been my motto. Since I was a kid—I started businesses very young, like 15 or 16—people would ask me, “How are you doing this?” And I would help however I could. And it was just always felt really good to help my fellow entrepreneurs, whether I was helping them in a small way or a big way. And there's nothing better than seeing some of the advice you're able to give someone actually get implemented.Share on X Then you see them go, “Wow, oh my gosh, this is great.” And again, sometimes it’s small, sometimes it’s big. But I believe entrepreneurs rule the world, and I do my part every day—whether it's writing my Substack, jumping on podcasts, or writing books. I'm always here just to share what I've learned, because I think that’s what makes the world go round.  Well, you have a boundless energy, because you are writing books, you are writing your blog, you are doing these podcasts. Then you also have to gather the information, right? You have to work with clients—otherwise there's no raw material. That is very impressive. So what took you to this point? How did you evolve? I mean, you started at 15, but surely you were not coaching or consulting people at 15.  Yeah, so I probably spent about 10 years just starting small businesses. I had the lemonade stand, then a coffee business and a silk-screen business. I had a DJ business, a retail store, a marketing and advertising agency, a small one, but I was able to sell it. And I got lucky and sold a couple of these small businesses. I built websites, built apps—I mean, anything you can do to make a buck. I was just kind of hustling and figuring it out on my own. And at a certain point in time, maybe like 10 years later, someone asked me to help them write their business plan. It was the first time I thought, “Huh, someone wants to pay me to help them write a business plan. That sounds interesting.” Okay. And I had written all of my own business plans for 10 years. I used to go to SCORE—the Senior Corps of Retired Executives, a division of the SBA—and they would consult for free. They still do, by the way. And I always said my long-term goal was to be an old advisor at SCORE, because they helped me so much when I was a kid.Share on X So I charged money for my first business plan. That person was able to raise money from their uncle. Then they said, “Well, hey, we got this money. What do we do now?” So I said, “Well, I think I can charge you. I think this is called consulting. Maybe I'll just charge you to help execute your business plan.” It was a small business, and I went to Barnes & Noble and bought a book that was like this big—How to Start a Consulting Business. I just sat there and highlighted the whole thing. It had CD-ROM forms in the back. I knew nothing about consulting. And probably for the next handful of years, I just focused on writing business plans and helping people. That's kind of what got me into consulting and working with bigger businesses. It really started with business plans and small businesses.Share on X  Yeah. I mean, business plans are great because you are envisioning the future of the business, crunching the numbers—what's going to happen with your top line, bottom line, costs, overhead, margins—and essentially it helps you visualize the skeleton of the business. Then you can put the meat on the bone, kind of thing.  Yeah. And I had worked on hundreds of business plans, and  pitch decks, financial models, and market research. That documentation aspect of a business, I had spent a good, let's say, 10 years working very heavily with clients as an analyst in consulting firms. And that’s really what got me into the game and got me into bigger and bigger businesses, because I got very good at doing that with no formal training—and we didn't really have what the internet is today. I remember going to the downtown library in Los Angeles, finding articles, and taking scanned copies of them. That’s how we did our market research. And business plans used to be like a dictionary. The SBA would require business plans to meet all these requirements, so we ended up with huge business plans. Now people want a one-pager, maybe a 10-slide deck, and call it a day. Where I got my chops was from understanding every imaginable nuance of every business in all verticals. I worked around the world with businesses, and I guess I was in the right place at the right time for it.Share on X  Yeah, that’s very humble. So one of the things that you do is you help people prepare for exit, and you came up with this framework called The 3 Exits Framework. I thought it was fascinating to think about exits from different perspectives and to have different mental models for them. How did you come up with this, and can you explain to the audience what it looks like, how it works, and how it helps entrepreneurs? Yeah. And it’s important to note that I started my career starting businesses, helping people get the start. And as I got older, the businesses I worked with were also getting older. And as I got a little more gray hair and a few more wrinkles, people would take me more seriously at the later stages of the business, when they maybe wouldn’t take me so seriously when I was in my early twenties. So my business had evolved from starting to growing and then eventually to exiting, and that’s where most of my clients are now. What I’ve discovered is most people enter the exit planning conversation at the very end, asking, “What is my business worth? Who wants to buy it?” Needing a business valuation is the most common first question: “Whoa, what's it worth?” But after working with a handful of companies through this whole exit process, you start to realize that there’s far more than just the numbers. The 3 Exits Framework says there are three exits that need to occur before you're out and on your yacht, sailing into the sunset.Share on X The first exit is the mental exit, which we can talk about at length. It's your role—your identity in the business. Who am I if I'm not the CEO? What am I going to do with my time if I'm not running this business? Who am I if people can't come to me with their every burning question? It’s this piece, it’s so important. And a lot of people don’t want to give up control. They don’t even know they’re control freaks, which I'll call them for lack of a better term. But they don’t even know that they are that. You have to help them through that.  The second exit is really your role exit, because eventually someone needs to run this business in your absence. The whole tenant of selling a business is that you're not going to be in it. You might have earnouts or some transitional involvement, but eventually, you will not run this business. So you have to replicate yourself. Most people say, “I've tried, but it hasn't worked.” Well, you know what? Now’s the time for this to work. It's time to build SOPs, standards of excellence, and get someone who could be better than you ever were in that seat. So that role exit is a big part, and that would be true succession. The other part of that is it’s not just the CEO or the owner. A lot of times it’s them and they’re number one, or they’re number two, or number three, because in many cases those people also have equity and ownership in the companies in some cases. So we need to get succession in line for multiple roles.  And then the third exit is your technical exit. It’s the one piece everyone feels like they start with that is your valuation, getting your documentation together, running a formal auction process, making sure that you’re looking at multiple buyers, whether strategic or financial. And just running a very thorough, formal process that’s going to get you the highest valuation possible. And structuring a deal that there’s going to be a little bit of give and take. Most deals die because of misaligned expectations. And they’re usually misaligned expectations on that final exit. So when you put those three things together and someone says, I want to sell my business, or we're thinking about exiting in the next couple years, I just start first with the identity part.Share on X Yeah. And people underestimate the significance of that. It can sound touchy-feely and like an afterthought in most cases. And people think that just by earning a sack of money, their life will be solved and all problems will disappear. But actually, problems exist at all levels. Elon Musk probably has more problems than most listeners here.  Sure.  So, it's not going to solve your problems, and identity is huge. I talk to people—I was also an M&A advisor for over 10 years, sold many businesses, visited former clients, and went out on their boats on the lake. Often, that was the one time they actually used the boat, because they didn't really need it. They thought they did, but they didn't. Next time, the engine wouldn't start, or the boat was full of water. Or they'd go out on the golf course, meet new people, and ask, “Who are they?” It turned out they were just retired rich people—not interesting entrepreneurs or CEO. That's a huge change. And with the Great Wealth Transfer and the aging Baby Boomer population, there's a statistic that says 50% of business owners are forced into an exit—meaning there’s some life event that occurs that says you now need to sell your business and get out. And you and I both know that if you’re forced to an exit, you’re going to be taking a major discount. But those forces can happen when you have a heart attack, or someone in your family has a health issue, or your grandkids and everybody moves multiple states and you want to go with them. All these things happen. So our recommendation is just start having the conversation now.  Yeah. And so I think it's a little bit like saving for retirement. A lot of people keep putting it off, and eventually there's no time left to do it, and then they’re in trouble. So how do you even raise awareness with people about this? How do you work with them to prepare this? Can you actually raise awareness and make them feel this is a real issue? How do you raise awareness?  Well, I have my blog, and that’s probably where I do most of my conversations. I wrote about the 3 Exits Framework. Any chance I get to speak, I always use it to raise awareness around the subject. In my consulting practice, I work with a handful of consulting firms and investment banks. Anytime I get pulled into a conversation about exit planning, I usually just pause for a second and just talk about their life goals.Share on X Like, what do you really want this exit to do for you? Because there are so many things you can do and a million ways to do it. So, what do you really want this exit to mean for you? Also, remember, Uncle Sam is going to take his cut—so not everyone gets the biggest check possible. Usually, what we hear is people say, “I'm just so exhausted. I don't have anything left in me for this thing, and anything I can get for it, I'd be happy to take, as long as it means I don't have to put out every single fire.” And this usually happens because they didn't build good systems to remove themselves from the business.  Otherwise, they would've been the chairman, and just meeting with their CEO, who's running the business. That’s usually not the case with these owner-operator businesses. And that doesn't mean they're small, by the way. I mean, they could be running a $50 million business and still the choke point where everything has to run through them and they’re just exhausted and burnt out.  Do you think that this AI revolution is going to change things? Is it going to make more people exit-ready because it's easier to create systems?  Perhaps. Yeah, I think it's helping the service provider world be more efficient. In my world as a management consultant, I'm 10 times more efficient. I’m sure you’re 10 times more efficient with tools like the one we’re using here, and it just helps us speed things up. I've noticed people use it as a thought partner, as a psychiatrist, even as a best friend. I've seen people go into deep dialogue like, “Should I sell my business? Give me five factors.” The ones who are aware of this are using it fully. The people who aren't are a little behind the times. And then from an operational standpoint, yeah, I mean with the bots and all the many things you could put in your business to make you more efficient, but that doesn’t apply to everybody. I would say there’s going to be a 10 to 20% group of people that are already on it, making it work for them, and then there are the laggards who will probably never touch it.  Or is it that—okay, maybe we can be more efficient with AI, but we'll have the appetite to do more, and there will be more complexity? Some things we'll simplify, but we'll create other complexities that replace the previous ones. What do you think about it?  Yes. So businesses typically have cycles. There's usually a five- to seven-year cycle where a business hits its peak, and then it starts to trend down. And they usually have some level of innovation that has to reoccur for it to hit another up cycle, and then there will be a down cycle and so on and so forth. So it's always like an up slope after an up slope. When you've been in business for 30 or 40 years, you've gone through multiple rounds of these cycles—three or four rounds of those cycles. What I’m hearing right now is business owners that are, let’s say, at retirement age, they’re saying, “I don't know if I have what it takes to go through this AI cycle. Maybe I had what it took to make it through the eighties, nineties, and two thousands, but now we're in 2026. I’m not sure I’m equipped, or my team who’s also very senior, they don’t feel like they have what it takes to get through that next cycle without hiring young talent. But even then, they don’t really understand what they’re talking about. So there’s this gap. And again, I’m hearing it more and more of people saying, I think now’s the time to get out and let some other company that has gas in the tank, vision, and capacity to come in and do that thing.  Yeah, that's interesting. Do you think a multiple-AI–enabled company versus a post-AI company is going to be markedly different?  Maybe. Because it all comes down to revenue—it comes down to the revenue story. I'll give you a perfect example. You have a very profitable company, but they're using an old CRM. A new company comes in and says, “Hey, you're already profitable. If we buy you and put in a new CRM, maybe we could be even more profitable.” That’s cool. So we don’t really need you to put in all the tech. We’ll come in and do all that, and then we’ll get the upside on that. Just as long as you’re profitable, as long as you’re profitable, yet you don’t have major client concentration, your business has all the components. A new company with new vision could come in. That would largely be a strategic buyer. The PE buyer, the financial buyer, most likely is going to want to inject capital into your business so you can go and reinvest, and build new tech, or become a platform, whatever you’re going to be. But that would be a different arrangement. So it's basically a numbers issue. It doesn't matter your technological evolution. And maybe it’s even worse if you've already implemented AI and that only allows you to make five million dollars—there's less upside for the buyer.  Yeah. The bigger concern is: Is your industry at risk because of AI? Is your particular business at risk? And that's why I think people need to adopt it—so they can say, “No, we're not at risk. We've adopted it, we're applying it in whatever fashion we're doing it, and we're going to see the results.” We've already seen a major downswing in a handful of industries because of AI. I mean, advertising agencies are getting hit really hard. People used to be able to charge for writing press releases, to write blogs, to write social, to do video editing on social media. A lot of that's gone, so the bottom tier of those agencies is just gone—there's no need for them anymore.  Do you see people proactively working on making themselves AI-resilient? Everyone knows that they need to do it. Nobody is unaware that today, it’s like websites. There was a time when everyone knew they needed a website. They just didn’t really know how they were going to build it or who was going to build it. They knew it was going to be expensive. It’s kind of where we’re at right now. Everybody knows they need AI. They’re just not exactly sure how they need AI, what it can actually, literally do for them.I think for some people, that big dream that it was going to do everything quickly got taken off the tableShare on X and they say, okay, we could do this much, but even this much is make me very effective.  But it’s just not going to do everything. Like, I still need an accountant. I still need an account manager. I still need someone to do these things, but maybe I don’t need as many people as I once did. So we’re seeing kind of some leveling off there. But I would say largely most people don’t know what AI can do for them, and they’re not really prepared to make those investments. We have a client right now that just made a half million dollar investment into an RFP tool that’s going to help them move faster than their competitors, submit more on RFPs, build everything out in a very complicated way, but they’re making a half million dollar investment. How many companies out there are saying, let’s go, give me the invoice. I’m ready to roll. There’s still a lot of pause there.  What you're describing feels more like a defensive play—okay, we know AI is coming, so we have to implement some AI tools. But I’m thinking more about the big picture. Is my industry going to be disrupted by AI? And how do I pivot my business before I lose momentum, so I become like Netflix—going from a video rental company to a streaming company? Yep.  Do you see companies rethinking their business model?  I think from what I’ve seen, people are rethinking everything—top to bottom. Because you have to start with labor. That’s usually where people start. “AI can do all these things—do I need less talent on the deck?” And if I do, then what can AI do so I don’t have such heavy overhead? Because overhead is also liability, and it has this employment risk behind it. So if you can go from a thousand staff to 800 or 750, great, let’s do it—why wouldn't you do it? Most people are saying, “Let's figure that part out first.” The next thing is the industry disruption, which is what’s our competitors doing to service clients better, manufacture faster, or do things cheaper, so then we’re not left in the dust. So from a production standpoint, we need to figure this out quickly. What I'd say—what I do—is, as an analyst, as a consultant and advisor coming in, that's why I built my AI. I built my AI to fire myself. I basically said, “What I used to do as a management consultant is now irrelevant, because AI is better than me.” So let me just build the digital me and not worry about that side of my business anymore. So I just don’t worry about that anymore. I don’t even really take on assignments that I used to, because AI can do it better and faster. Now, if you want to hire me and allow me to use my AI tool to handle the technical work, I'm more than happy to do that. But I'll tell you firsthand—save your money.  So you're giving it away, or are you selling it?  Yeah, it's free. It's free. It's on ChatGPT. What people can’t do is sit down and have an honest, sincere conversation and ask them the hard questions and challenge them. That's where AI still lacks the human component. I can take a client and say, “Hey, let's hang out. Let's get lunch. Let's go play golf. Let's bring in your kids. Let's talk to your kids. Let's talk about the family dynamic.” Let’s just have a sincere conversation. Let me hold space and create a forum where I can hear people. And that human component is the only thing that I’m worried, like I’m working on now. I'm out of the technical side, because that part of my job is gone.  So fascinating. So does it mean you have to be more of a social animal?  I think so. If you're not going to be a social animal and you're just going to sit at your desk, you should probably be building software using tools like Replit, n8n, or any of these different software tools and just go all in.Share on X But the way we used to do it—you probably see this on LinkedIn, with all the bots on LinkedIn, it’s not what it used to be. It used to be a place where you had a handful of connections and actually met people. Now it’s just so overrun with the bots. It’s like I don’t even want to accept connections anymore. I'd much rather have a conversation like this. To me, this is the future.  Yeah. But maybe we connected originally through LinkedIn. I don’t know where, how we connected, but we may have have connected through a bot—actually.  It’s possible.  Yeah.  It’s possible. But I'll tell you, I connect with maybe one or two percent of people now. Previously, because I didn't get so many inbound inquiries, I would connect with more, because I felt like there was a sincere person on the other end. Now, I really don't know. I've become very skeptical.  Yeah, I'm with you. Let's switch gears, because our time is running out. And there are a couple of things that in our pre-interview you talked about, and one was minimalism. Yeah.  What is minimalism? How do you do it? And what’s a low-hanging way to start to become a minimalist?  It's kind of like that first-principles idea of what really matters. It’s essentialism. It’s kind of getting down to the one thing, that was my recent blog, if there was only one thing you could do this year, but it would make all the difference, what would it be? And anything that gets in the way of that one thing is just noise. For me, minimalism is really about reduction, and kind of getting rid, and being aware and cognizant of things that really shouldn't be on your desk, on your to-do list.Share on X And using AI tools and assistance to get rid of everything that’s low-level activity. If you think of a pyramid, at the very top is where the most value that you can add would be. But yet we spend all of our time, if this is a time pyramid, most of our time is spent at the bottom, the wide part that pretty much anyone can do. So we kind of got to invert the pyramid. To get there, you have to reduce and extract. To protect your time, you have to treat it as very precious and focus only on the most important thing at all times. It is a very hard thing for all professionals to do, and it’s always been a hard thing, but I just take it upon myself and say, okay, well, as a minimalist, I mean, if you were to come to my house and see how sparse my furniture is on purpose. How sparse my closet is on purpose. I’m trying to get rid of options. It's like Steve Jobs and the black turtleneck—if I have one less thing, because I can only make so many choices and decisions in a given day, let me spend my time on the things that are the most important and most impactful.Share on X And that’s not always, because it’s going to put millions of dollars in my bank account. Sometimes it’s just helps me sleep better at night. So I don’t need 50 clients. If I’m going to have 50 headaches. What if I just have five clients? And every one of those was one that I felt very good about, and that would allowed me to charge more. It allowed me to go deeper with them. It's that concept—then you're free to see where your scalable opportunities are. It's the story I told you about a monk who was carving away at this beautiful elephant. Someone walks up and asks, “How did you learn to do this, carving away this elephant in the stone? And he says, Oh, I just chip away everything that's not the elephant. So for me, I have to have a very clear picture of what the elephant is. I have to see the picture in my brain first—like what my life is, what I’m trying to build, how good of a dad I’m trying to be, how good of a husband I’m trying to be, how good of a business partner or a service provider, an advisor. This is my life’s work as a masterpiece, so let me just get rid of anything that doesn’t belong as part of that picture. So that, to me, is kind of how I would explain it. And my approach toward it is I just get rid of everything. It’s not about accumulation. I don't really need more information, because AI already has all the information. Anything I'm going to absorb, I have to be very intentional about—why am I reading it? I see all the books on your shelf. I could show you my bookshelf—tons of books, right? I feel like I've read them all. Am I going to learn anything new? I could also just go back to the books I've already read. I try to highlight them and stuff, but it's like, what more do I need at this point?  Yeah. So I’m wondering about this idea of a lifestyle business versus a growth business. Because what I see is that people who are building a lifestyle business, it’s easier for them to be a minimalist. Because you just do this most valuable thing. You don’t have to build the business. You don’t have to worry about necessarily all the other people, systems, and processes, or making sure of quality control. You just do your high-value work, and at the end of the day, you can put things down and relax. Whereas a growth business, it's different.  I would say with the clients that I have—some have thousands of employees, some have hundreds—I still encourage them to reduce and subtract. Even though they're in high-growth, highly scalable businesses, sometimes the conversation is: How many direct reports do you have, and why do you have that many direct reports? How are you delegating? How are you giving authority? How are you limiting all the inputs? Because a lot of it is noise in your given day. So how do I make your day a little more silent so you can have a little more peace to make better decisions while you run this highly scalable business? Just because you're scaling doesn't mean it needs to be pure chaos. That's what people think—they think, “Oh, if I scale, that means chaos.” I'm anti-chaos.  Okay. But let me ask you this: Two of the most successful entrepreneurs of our time are Elon Musk and Jensen Huang. Elon Musk runs six companies, so he's got a lot of direct reports and goes deep in each of them. And then Jensen Huang has, I don't know, 20, 30, or 40 direct reports—he basically has a million direct reports as well. And that actually allows them to be closer to decisions and make sure things don't go off the rails and their vision gets manifested. So that's what I'm kind of wondering—whether minimalism means you're going to, maybe the flip side is you have to accept less growth, or maybe not.  So I’ve met with a lot of entrepreneurs in my life. Not one of them has been Elon Musk. So I would say we’re looking at the median of entrepreneurs, the average entrepreneur. Those are the people I deal with. I’m not dealing with Elon Musk. I would love to, but I don’t have those types. I have the family-owned business who took it over from their dad and they’ve been running it for 50 years, and he has 250 employees, and he’s got pure chaos, and I’m getting the call to go in and try to sort him out. These are not always the highly sophisticated Steve Jobs types of the world. If you really take a look under the hood with Elon—I read his book and listened to the audiobook with my kids, so I'm very familiar with his story, because I've heard it twice now—what they don't really mention is all the heroes underneath Elon. He wouldn't be who he is without all the many heroes, all the systems, and the Six Sigma and other processes and procedures. That's not to say he doesn't take a deep analytical look at everything, but who are those heroes and what are the processes? I'm far more interested in hearing about his VP of Operations than about Elon. Because what has his VP of Operations worked out? What systems have they implemented that allow him to scale and build a Tesla? Or his COO, like, what do they have going on? Elon's a face. Elon's a madman. He creates all this momentum and chaos, and then he has teams of people behind him who make sense and order out of that chaos. That's why you have what you have with Tesla. If he were just Elon Chaos, without that, I don't believe he would be where he is. But he had people that wanted to get in line. He had a lot of people that wanted to get in line. They believed in his vision. He had huge visions, and it's very inspiring to get behind those visions. Then they say, “Okay, give me the ball. We'll create the infrastructure that allows this thing to take off.” So I'm far more interested in the infrastructure that allows for that scale.  I agree. I'm just thinking whether there is this kind of dichotomy. Because I see that many entrepreneurs—when I was an investment banker—until they sold their business, they were not able to have that simple lifestyle they perhaps desired, because they were building, they were reinvesting. And it wasn't just reinvesting their cash—they were reinvesting their time. So every time they simplified, that was the opportunity cost of not using that time to improve their business. So they plowed it back in, plowed it back in.  Well, it's kind of like the E-Myth is a bit skewed. It's almost like the E-Myth is a myth. E-Myth is a dream—a dream that you can work on your business, step out completely, and everything about it runs itself. It doesn't really work that way. If you're going to be a successful entrepreneur, you're going to have late nights, long weekends, and you're going to feel like every major problem is your own because you're taking all the legal risks. I'm not telling people not to scale. I'm not telling them not to have chaos. What I'm trying to help them do is get clear on what they consider to be important.  And not get killed in the process, and not get divorced.  Statistically, that can happen—the more successful someone gets.  Yeah, it does. Because our time becomes much more valuable, and at some point, it's really hard to say no to the million-dollar hour—to spend that hour watching Netflix with your spouse, right? Exactly. Just feels harder to do.  Exactly.  Yeah.  That was good.  Alright, well, I enjoyed this tremendously. So one more question, one more question that I have to ask you. You talk about this $3 million rule—what do you mean by that? That’s a really interesting concept.  Yeah. So most small businesses get stuck around $3 million, statistically. The question is, why? Why do they get stuck there? A large majority gets stuck and it’s because they create a lifestyle for themself around $3 million. They’re taking enough off the table that they would never be able to find a job that would be able to replace that type of income. So they've made their small business their sole business, their job, and they say, “This is good enough for me,” because let's say half a million dollars, more or less, is going into their bank. They're filling up their 401(k), sending their kids to private school, giving themselves big bonuses. If they're profitable, they don't really see the need to take more risks or double down to go past that wall. I've seen many businesses kind of stay there. They’ll go fluctuate up and down through the years, but more or less they’ll hit that wall. They could stay there for 20 years and never make any progress. It’s not until they put on new thinking and say, we’re going to grow through acquisitions, we’re going to target a different market, new products, we’re going to innovate in some way. But that takes extra gas in the tank. Sometimes, a lot of entrepreneurs, once they hit that first level of success, say, “This is good enough for me,” because it usually takes them about five to seven years to get to that first major breathing point.  They're not hungry enough anymore.  Exactly.  Does someone has to be a little crazy to still want to eat more, even though they're already full?  Yeah. Some people are just wired that way. Some people just more and more, and that's no slight against them. They're never satisfied. They always want more—another dollar, another nickel. If they saw a nickel on the floor, they would stop and pick it up. They want every piece of everything. And those people usually are the ones that go and go and go and go. They’re usually the ones that just keep going because it’s an insatiable appetite. I'm not talking about people who get—well, I don't want to call it lucky—but sometimes things do fall out of the sky. Sometimes a big client falls out of the sky, or an opportunity opens up, and people are smart enough to buy their competitor when the competitor approaches them. Or sometimes they make these little moves, and that gives them a leap. I’m not talking about those people. Those are outliers to me. I’m talking about your average entrepreneur that built a $3 million business on his own with no major clients falling, just hard work, blood, sweat in tears. The average Joe typically gets stuck around that $3 million.  Yeah, that’s interesting. Fascinating. Alright, well, if you don't want to be stuck around $3 million, or if you want to get to the next level, then reach out to Tim and check out what he’s doing. So where can our listeners find you? Where can our listeners find you if they want to learn with you, learn about you, read your Substack, read your books? Where should they go?  Just go to Google or AI and type in Tim “The Inside Man” Martinez. The Inside Man is an acronym for Tim. You'll find my LinkedIn—happy to connect with you, just tell me you heard me on Steve's podcast. You can also check out my blog: it's Tim “The Inside Man” on Substack, or go to www.theinsideman.biz, my website. I'd love to connect with anyone. Well, do check out Tim's Substack—it's awesome. You're going to get more of what you heard on this podcast. And if you enjoy listening, make sure you follow us. Subscribe on YouTube, LinkedIn, Apple Podcasts, or wherever else you get your podcasts, because every week I'm inviting—and luckily more and more people want to come on the show—to have a conversation. So thank you, Tim, for coming, and thank you for listening. Important Links: Tim's LinkedIn Tim's website

"In any given moment we have two options: to step forward into growth or step back into safety." – Abraham Maslow This quote reminds us that we make the decision to go forward in our lives, or stay where we are and feel safe…choose wisely! MeredithSee omnystudio.com/listener for privacy information.

“หยุ่น” เชียร์ส้มจนสมองเลอะเลือน ด่า Baby Boomer คนรุ่นล้มเหลว? • สนับสนุนความจริงมีหนึ่งเดียว ด้วยการสมัครเป็น Membership : https://www.youtube.com/@sondhitalk/join  • ติดต่อสอบถามได้ที่ Line : @sondhitalk

Providing care for a very sick, injured or elderly family member is hard! Especially without help. There are currently over 50 million family caregivers sacrificing their time, family, health and future to provide that care. LTC insurance is not designed to replace you; it's there to help you be able to help without hurting yourself or getting overwhelmed from doing it alone. Who is going to pay for those 7.8 million licensed care providers as the Baby Boomer generation reaches 80 this year and continues to age? It's either us, our family, or the government. Part of "us" is LTC insurance - so we won't force our famly members to exhaust themselves. You can view current (2024) and estimate future cost of care where you live here I recommend you use 5% COLA and not the 3% that defaults when you open the page. I said I would add a link to the site that discusses LTC reform and how Medicaid impacts the entire industry, but the link is not active today. I have LTC Bullets emailed to me weekly. Hopefully, it's up and running again soon. The link is here for when it is online again Schedule a meeting with me here

Send us a textIn this episode, I talk about 22 things I've kept from my childhood! Many items are nearly 50 years old and still packed with meaning. From magic tricks and marbles to comic books and cassette tapes, these aren't just keepsakes. They're time capsules, each one tied to a memory, a feeling, or a moment that never quite left.Support the show

On this Sunday Morning Live, 1 February 2026, Stefan Molyneux looks at how generations interact and what moral duties the Baby Boomers carry. He talks with callers about holding onto family values, sticking to a budget, and the ups and downs of crypto trading. He thinks over the Ten Commandments and pushes people to focus on being real and taking charge of their own paths, along with how society runs.GET FREEDOMAIN MERCH! https://shop.freedomain.com/SUBSCRIBE TO ME ON X! https://x.com/StefanMolyneuxFollow me on Youtube! https://www.youtube.com/@freedomain1GET MY NEW BOOK 'PEACEFUL PARENTING', THE INTERACTIVE PEACEFUL PARENTING AI, AND THE FULL AUDIOBOOK!https://peacefulparenting.com/Join the PREMIUM philosophy community on the web for free!Subscribers get 12 HOURS on the "Truth About the French Revolution," multiple interactive multi-lingual philosophy AIs trained on thousands of hours of my material - as well as AIs for Real-Time Relationships, Bitcoin, Peaceful Parenting, and Call-In Shows!You also receive private livestreams, HUNDREDS of exclusive premium shows, early release podcasts, the 22 Part History of Philosophers series and much more!See you soon!https://freedomain.locals.com/support/promo/UPB2025

Join hosts Joel Garris and Zach Keister on this action-packed episode of Dollars & Sense as they break down the fast-paced start to 2026. Discover why the stock market's leadership is changing, what the “Mag 7” becoming the “Fab 4” means for your investments, and how early signs of broad market participation could reshape your portfolio. The duo tackles interest rates, the latest moves from the Federal Reserve, and what falling mortgage rates mean for buyers. But it's not just about markets—Joel and Zach dive into the five financial lies people keep telling themselves, from “I have a budget” to “I don't know why I'm always broke.” They share practical steps to build a real emergency fund, track your spending, and take control of your financial future. If you've ever wondered why your money seems to disappear, this segment is a must-listen! The show wraps up with a look at the $4.6 trillion real-estate wealth transfer—from Baby Boomers to Gen X and Millennials—that's already changing housing and family planning.Whether you're considering buying property for your kids, downsizing, or inheriting a home, you'll get expert insights on how to structure these moves and avoid common pitfalls. Tune in to hear how market trends, personal finance habits, and generational shifts are converging in 2026—and what it means for you. 

Scoot has a theory about Baby Boomers' appetite for conflict and how it explains why Texas is trying to ban rainbow crosswalks, having solved all other problems in the Lone Star State

Retirement isn't just a financial equation—it's an identity shift. In this recap, Lesley Logan and Brad Crowell reflect on the conversation with wealth advisor and researcher Gregg Lunceford, who challenges the traditional retirement model by focusing on identity, purpose, and emotional readiness. They explore why longer lifespans have reshaped retirement entirely and why high performers often struggle most when their job no longer defines them. Whether listeners are 25 or 65, this conversation reframes what freedom after work can truly look like. If you have any questions about this episode or want to get some of the resources we mentioned, head over to LesleyLogan.co/podcast https://lesleylogan.co/podcast/. If you have any comments or questions about the Be It pod shoot us a message at beit@lesleylogan.co mailto:beit@lesleylogan.co. And as always, if you're enjoying the show please share it with someone who you think would enjoy it as well. It is your continued support that will help us continue to help others. Thank you so much! Never miss another show by subscribing at LesleyLogan.co/subscribe https://lesleylogan.co/podcast/#follow-subscribe-free.In this episode you will learn about:How increased longevity has made traditional pension models obsolete.The reality of the 20-year life bonus after your career ends.Why high achievers struggle to uncover a non-work identity.How intentional communities support mental and emotional well-being.The importance of creating a shared retirement vision as a couple.Episode References/Links:Agency Mini - https://prfit.biz/miniContrology Pilates Conference in Poland - https://xxll.co/polandContrology Pilates Conference in Brussels - https://xxll.co/brusselsPOT in London - https://xxll.co/potSpring Training: How To Get Overhead - https://opc.me/eventsSubmit your wins or questions - https://beitpod.com/questionsThe Seeing Eye - https://seeingeye.orgMesirow Wealth Management - https://www.mesirow.comGregg Lunceford on LinkedIn - https://beitpod.com/greggluncefordExit From Work - https://a.co/d/fR25gH2 If you enjoyed this episode, make sure and give us a five star rating and leave us a review on iTunes, Podcast Addict, Podchaser or Castbox. https://lovethepodcast.com/BITYSIDEALS! DEALS! DEALS! DEALS! https://onlinepilatesclasses.com/memberships/perks/#equipmentCheck out all our Preferred Vendors & Special Deals from Clair Sparrow, Sensate, Lyfefuel BeeKeeper's Naturals, Sauna Space, HigherDose, AG1 and ToeSox https://onlinepilatesclasses.com/memberships/perks/#equipmentBe in the know with all the workshops at OPC https://workshops.onlinepilatesclasses.com/lp-workshop-waitlistBe It Till You See It Podcast Survey https://pod.lesleylogan.co/be-it-podcasts-surveyBe a part of Lesley's Pilates Mentorship https://lesleylogan.co/elevate/FREE Ditching Busy Webinar https://ditchingbusy.com/Resources:Watch the Be It Till You See It podcast on YouTube! https://www.youtube.com/channel/UCq08HES7xLMvVa3Fy5DR8-gLesley Logan website https://lesleylogan.co/Be It Till You See It Podcast https://lesleylogan.co/podcast/Online Pilates Classes by Lesley Logan https://onlinepilatesclasses.com/Online Pilates Classes by Lesley Logan on YouTube https://www.youtube.com/channel/UCjogqXLnfyhS5VlU4rdzlnQProfitable Pilates https://profitablepilates.com/about/Follow Us on Social Media:Instagram https://www.instagram.com/lesley.logan/The Be It Till You See It Podcast YouTube channel https://www.youtube.com/channel/UCq08HES7xLMvVa3Fy5DR8-gFacebook https://www.facebook.com/llogan.pilatesLinkedIn https://www.linkedin.com/in/lesley-logan/The OPC YouTube Channel https://www.youtube.com/@OnlinePilatesClasses Episode Transcript:Brad Crowell 0:01  He was talking about football players, and he was talking about people who have, you know, high performance people who make a shitload of money, and then they retire and they, he said, they burn through a lot of money trying to figure out who they are.Lesley Logan 0:17  Welcome to the Be It Till You See It podcast where we talk about taking messy action, knowing that perfect is boring. I'm Lesley Logan, Pilates instructor and fitness business coach. I've trained thousands of people around the world and the number one thing I see stopping people from achieving anything is self-doubt. My friends, action brings clarity and it's the antidote to fear. Each week, my guest will bring bold, executable, intrinsic and targeted steps that you can use to put yourself first and Be It Till You See It. It's a practice, not a perfect. Let's get started. Brad Crowell 1:01  Take it away. Lesley Logan 1:03  Welcome back to the Be It Till You See It interview recap where my co-host in life, Brad, and I are going to dig into the trailblazing, trail, trailblazing. Brad Crowell 1:12  Wanna try that again?Lesley Logan 1:16  Welcome back to the Be It Till You See It interview recap where my co-host in life, don't laugh at me. I don't want to start again. Brad Crowell 1:22  No. The Welcome back was perfect. It was amazing. Lesley Logan 1:25  Welcome back to the Be It Till You See It interview recap where my co-host in life, Brad, and I are going to dig into the trailblazing convo I have with Gregg Lunceford in our last episode. If you haven't yet listened to that interview, you fucked up. It's so good. Brad Crowell 1:41  It's a great interview. Lesley Logan 1:42  He's a great educator. He blew my mind.Brad Crowell 1:46  So inspirational. Lesley Logan 1:47  Yeah.Brad Crowell 1:48  You actually, literally said my internal dialog out loud to him towards the end of the interview, because you were like, yeah, after listening to you, I'm so excited for this next chapter of my life. And I was like me too. It was amazing.Lesley Logan 2:06  I know, I know, I, your parents need to listen to this stat. Brad Crowell 2:10  Yeah, he's a badass. Lesley Logan 2:11  So anyways, they won't even be out, and they're making decisions right now, maybe we have to get them an episode early. Okay, so you can come back and listen to it later. You can finish this and you can listen to that one, or I gotta finish the script. You can listen to this one, or you can listen to that one first, whichever you want to do. But just you gotta listen.Brad Crowell 2:28  You did not have to finish the script. You can just let it go. Lesley Logan 2:32  I could also just close the loop on that. Brad Crowell 2:35  That was the only loop that you know. Lesley Logan 2:37  Well, you know what, Sir. Brad Crowell 2:40  Today is January 29th.Lesley Logan 2:42  It's just after my birthday. You can still wish me a happy birthday. It's the anniversary to celebrate Seeing Eye Guide Dogs. So the Seeing Eye Guide Dog Anniversary is an appreciation for all the dogs who act as their owners' eyes and ears. The devotion and taught abilities of these particular canines keep them safe and enable them to operate as a fully functional persons. The day is meant to recognize a school that educates them. Seeing eye dogs go through extensive training to be able to, say, safely traverse the environment and all of its hazards for their person. That's why they're so worthy of this recognition. Okay, so I don't have a seeing eye dog. Obviously, we don't know anyone who in our life who has a seeing eye dog, but I have watched the dog who could tell a girl was about to have a seizure before she had it, and then opened the fridge and pulled out her medicine and gave it to her while she was having this like seizure. Brad Crowell 3:37  That's crazy. Lesley Logan 3:38  Crazy. And I have met people with dogs who can sense if they're about to have, like, an insulin situation, because they have some, like, a type of insulin diabetes where, like, it can change really drastically. I have definitely seen people with seeing eye dogs, and I'm so impressed. And so really, the rest of the days sucked. And this is the best one of all the choices. Brad Crowell 4:00  I like this one, though. Lesley Logan 4:01  I really like this one, because here's the deal. Brad Crowell 4:03  So the organization is actually called The Seeing Eye. Lesley Logan 4:06  Oh. Brad Crowell 4:07  Yeah. And I, I'm just realizing that as well. Lesley Logan 4:10  Okay, well, they got up, they didn't pay for the sponsorship, because they're doing great work out there for people who need it. Brad Crowell 4:14  It's a guide dog school. Lesley Logan 4:16  And I am just kind of obsessed with this. And so if this inspired you in any way you should go donate money to your local no kill animal shelter, because while those dogs won't be a seeing eye dog or a service dog, they certainly need your help. This is really or you could donate to your seeing eye dog school if they need the money like you never know. You might your life could change. You might need a dog that's a service animal. So I just was, you know, anything to help raise money and thoughts about, please don't buy a puppy. Go get go adopt an animal. They have puppies too. Brad Crowell 4:48  You know what is amazing. I'm reading about the school, and I think that my elementary school teacher went to the school, because when we were in school, she somehow lost her vision, and I remember she.Lesley Logan 5:07  You were taught by someone who couldn't see?Brad Crowell 5:10  No, when I was taught by her, she could. But then, like in a year or two later, when I was like, in fourth or fifth grade, we we found out that she lost her vision, and I remember her going to Braille school. And I'm pretty sure she went to seeing eye dog school. Lesley Logan 5:25  That's so cool. Brad Crowell 5:26  Because think about it, if you're like, you know, 5060, years old, and you've never worked with a dog before like that, how would you even know how?Lesley Logan 5:34  Yeah, no, you have to get trained. Okay? But now this opens up a whole thing. So then she couldn't do the thing that she loved to do. She couldn't teach anymore. Brad Crowell 5:41  I'm pretty sure she retired. Lesley Logan 5:43  Oh, that's such a. So wait, this sucks. If you're blind, what are your jobs? You could be a phone sex operator.Brad Crowell 5:52  Yes, you could be a phone sex operator. That's not what I was gonna go, but yeah, you could do that, but.Lesley Logan 5:56  But you can make a lot of money doing this. You could do you could be a 900 psychic.Brad Crowell 6:01  You could be a 900 psychic, or you could just talk on the phone, too.Lesley Logan 6:05  Yeah, yeah. With technology today, I think they probably have more options, but I just realized, like, that would suck, like, all of a sudden she can't teach anymore. What if she couldn't even retire?Brad Crowell 6:15  No, it's, it's very traumatic, you know? I mean, we have a close friend of ours whose husband was, he has a, like a degenerative disease that didn't strike until he was in his, you know, midlife.Lesley Logan 6:31  We do? Brad Crowell 6:32  We do. Lesley Logan 6:33  Oh, is it blind, is he going blind? Brad Crowell 6:35  No, but, but the idea of being able, of being an abled body and then all of a sudden, everything that was quote, unquote normal for you is no longer an option. And that scares, that scares me.Lesley Logan 6:49  Scares the hell out of me. But, okay, Dark tangent, dark comedy tangent. Okay, I think it was the French, it was a European commercial. Do you remember this thing? It came through at my Instagram, and this, like, got this woman and this guy, like, wake up on a couch. They like, had, you know, obviously had sex last night, and like, they woke on the couch, and he's like, no, I gotta go. She's like, you could stay. And then, like, he is, like, getting up, and he like, puts himself in his wheelchair. And then this guy opens up the door to the apartment, and he's like, what's going on here? And so clearly, the woman was cheating on her partner, and the whole thing was like, what, like, you know, just maybe think before you park in someone else's spot, or like using the bathroom, or like using the handicap parking and using the handicapped bathroom, and it I died laughing. I cried laughing because, like, what a great way to get people to go. Oh, I'm fucking using that restroom, or I've never parked in those spots because in LA, one of my girlfriends was just parked there to take a phone call and she got a ticket. Don't do it, guys, they don't care if you don't leave the car. Don't do it. It's for someone else. It is someone else's spot. But just made me laugh. I know this is all about seeing eye dogs, and I thought it was a great advertisement for not being a dickhead.Brad Crowell 8:08  Well, what a fun turn this took. Lesley Logan 8:10  Okay. Well, everyone, look, you, your life could change in an instant. So if there is a charity in your area that is helping people get service animals into the hands of people that need it, this is their I'm sponsoring an ad for them. Go give them some money. Give them some time. Brad Crowell 8:27  Participate. Lesley Logan 8:27  Yeah, you never know. Maybe you could become a really good trainer for one of these dogs. You don't know. You know, they people in prison are training some of these dogs so there's great work going out there. So everyone needs a hobby. This could be yours. Brad Crowell 8:39  I love it. Lesley Logan 8:40  All right, you guys, we are home. Brad Crowell 8:43  Yeah, we are, we are. Lesley Logan 8:44  I know where we are in the world. We are home. Brad Crowell 8:47  We are officially home. And last week was Lesley's birthday. Lesley Logan 8:52  Was fabulous. Brad Crowell 8:52  It was fabuloso.Lesley Logan 8:53  It was so fun. I think it's my new theme every year. I don't know. I'll probably change it next time. I'm an Aquarius, who knows, whatever. But it was great. 43 it's looking good, and we're getting ready for Agency Mini, which is next month. Lesley Logan 9:06  Yes, February. Agency Mini, in fact, it's a good chance it's on early bird right now, to be honest. Brad Crowell 9:11  Could be, could be, yeah. Lesley Logan 9:13  Yeah, possible. prfit.biz/mini is where you're gonna go. It's for Pilates instructors or studio owners who work for themselves or want to work for themselves.Brad Crowell 9:21  Yeah, that's profit without the O dot biz slash mini, prfit.biz/mini.Lesley Logan 9:26  And we are getting ready. Brad has never been to Poland. Brad Crowell 9:30  First time. Lesley Logan 9:31  And we have never been to Brussels. And we'll be with Karen Frischmann. And then we're gonna do a second honeymoon, because why not? And then we're going to be in London. So if you want to see us in Europe, it's the only time in 2026 we're going to be in Europe. xxll.co/poland gets you the Poland information xxll.co/brussels gets you Brussels information, and xxll.co/pot will take you to the London information and. Brad Crowell 10:00  Yeah, come hang out. It'd be so fun to meet in person. Lesley Logan 10:02  Oh my gosh. It'd be so fun. And as of right now, our 2027 calendar does not have anything in it, and it may stay that way. We don't know yet. I don't know. So if you want to see us in Europe, this is it.Brad Crowell 10:16  Sounds good to me. I was gonna say maybe Greece, but we're not sure.Lesley Logan 10:19  We're waiting. We're still at the moment of this recording, which is November of 2025 we think we have an invitation to Greece, and we're just waiting for the dates.Brad Crowell 10:30  We shall see. Anyway, in May, for all of those who aren't in Europe, join us virtually, we're going to do another spring training event with onlinepilatesclasses.com. If you were with us last year, two years ago, we did a summer, summer camp. Last year, we did a spring training we loved the spring training vibes, so we're doing that one again. We're going to do that event again, but the topic is going to be totally different. We're going to do how to get overhead. So it's going to include all of those kinds of exercises where you're upside down and, you know, breaking it down for you, making it feel a little more accessible and safe and all those kinds of things. To get on the wait list for that and get the more information as it as we start releasing it, go to opc.me/events, opc.me/events, and you'll be able to stay in the loop. Oh yeah. Brad Crowell 11:18  So today, we had a question, except we're going to change up our question. Normally, we, we get, we get tons and tons of questions. If they're a business question, we usually answer them in our coaching group, Agency. It's from Profitable Pilates, our coaching group, and but this time, what we thought we would do is just ask a few of the questions so you can kind of see if any of these are resonating with you, and see you know, like, how do we tackle, like, how is it that we support the studio owners and teachers that are inside of Agency? So for, for example, we have, we have a recent one that just got submitted. It said, hey, how much notice should I give that client give my clients about my rate increase?Lesley Logan 12:02  No more than 30 days. You can go as low as three days, but no more than 30 days. I've had Mini people do two weeks. It really kind of depends on, you know, if you're doing a $2 rate increase, you can do that next week. You know, it's not a big deal. Doing a $25 rate increase per session. You might want to give them 30 days notice. But we actually also have a course that tells you exactly how to raise those rates and how to actually how to give the people the notice you're going to give so you don't get you're going to have people who have no filter, and they don't realize what they're saying out loud to you can feel personal. It's not, but yeah, but yeah, that's what I would say.Brad Crowell 12:38  I mean. We've got a lot of different tools to support specifically, like, how much should you be raising rates and why? Why are we doing it this way, instead of it just being a random number out there. So if you're ever wondering, like, am I charging enough? That's why people join Agency, we get to dig into these questions with you. Kind of break down some numbers, think about it, logically, all that kind of stuff. Another question for you is, I'm thinking of changing my currently, I sell packages. I'm thinking to change to an auto renew subscription. So instead of selling a 10 pack, you get 10 classes a month or something. I'm assuming that's what it is. Lesley Logan 13:15  Yeah. I don't mind if it's a limited Okay. Brad Crowell 13:17  Yeah but how do I do this without being too wordy? How do I communicate the change to my clients?Lesley Logan 13:21  You're gonna have to have a contract. First and foremost, you, this is a auto renew, and the FCC, I believe, put some stuff in place recently. Look, it could have changed. Brad Crowell 13:32  They took it away. Lesley Logan 13:33  They might have taken it away. Brad Crowell 13:34  Click to click to cancel, or it's already it's already trashed. Yeah, they did. Lesley Logan 13:38  Fuck those people. Anyways, okay, so guess what? No one's fucking regulating. You can do what you want, but reviews still stand. And so if you would like to what I always believe is go back to your values. We have a course on your values. But I have, I have, if this was an office hours call, I could ask a couple of follow up questions about the person, because I have some reasons for not doing an auto renew. Meaning, if you are a solo teacher, I'm going to say no auto renew for you. What happens if you get sick? What about your vacations? There are ways to set packages up so they almost feel like an auto renew, but you actually don't owe people anything if you get sick or if you go on vacation, if you do an auto renew, you actually owe them whatever the contract states.Brad Crowell 14:16  Right, because, what if you're out of town for two weeks and they're like, well, I didn't get my 10 classes, what do we do then?Lesley Logan 14:21  And then they were out they were out of town the other two weeks. And then you also have to figure out with your scheduling tool, can it handle this? Can it handle this feature you want to change it to? If it does handle it, how easily is it to stop it and start it? Some people want to have 90-day contracts on these auto renews and then a 30-day notice. These are all things you have to talk about with a lawyer, but we can actually talk about that together in Agency, our office hours or coaching call to really make sure what's going to work best for you. And then, and then, if you are a studio with multiple teachers, what are the breaks you want to have? And then, why are you doing this? So the other question like, how do you communicate it? It kind of depends on what your values are and what the benefit are that you're trying to say, for example, if you're trying to say that our auto renew is great ease and consistency, plus our number one priority, which is community, then you would actually make it really easy for people to be on auto renew and really hard to be on a package, right? Because packages are more convenient for the person who owns a package, because they can decide when and if they want to use it and auto renew, they have to use it. And then what you need to understand about auto renews is it's another way of saying membership and once you have memberships, you have churn, and you will actually, you might be surprised how much churn you have with auto renews versus people with packages. Because I don't love to be on auto renews with places, because I travel so much, so I might not choose a place that forced me on auto renew or charges me more to be on a package. Now I might not be your client, so it doesn't matter. I don't want to scare you, but these are the things you have to think about. And where, in Agency, we actually coach you on it, because we don't do templates. What works for Brad's studio for auto renews is not going to work for Katie's or Georgia's, right? Like, we have to actually look at like, how many people are on the team? What is the goal of the studio? What are you what are the services under that? Because don't, don't get me started when I see I have to have a membership for mat and I have to have membership for a reformer, and I get mad about that.Brad Crowell 16:18  Now, that's too many options. People don't know what to do. Lesley Logan 16:20  And then they have to think about it. Brad Crowell 16:21  Well then, they just do nothing.Lesley Logan 16:22  Yeah, and so you just have to know, like, yes, it looks like that's how businesses are making money right now with all these auto renews. I'm telling you right now that bubble is popping. We are watching class-based studios lose clients who are middle class a lot faster than you think. And so there's reasons to explore what the options are. What's your purpose for running this change? Like, what? How is this easier for you? Do you think it's to have predictable income? What's in it for them? And then that's how we sell it to them? We have to sell it to them on how it's in it for them, they don't give a fuck about what's in it for you. I mean, they don't not give a fuck but they don't.Brad Crowell 16:57  You're right, like, really, that's not their concern, and it shouldn't be, right? No, so well anyway. So this is the kind of conversations that we get to have over at, in Agency, our fitness business coaching. So whether you're doing yoga or pilates or, I mean, we've had people in there who are we've had a chiropractor in there. We've had a doula in there. We've had bar boxing, whatever. So obviously the majority of our audience is Pilates. So that's primarily what we're discussing over there. But in the service-based industry, we we love doing this. We've been doing it for eight years now. So yeah, if you're interested in more information about that, just reach out to us or go to profitablepilates.com, and you can find out about the coaching over there, but. Lesley Logan 17:37  Join Mini. Do the Mini thing. Brad Crowell 17:38  Oh, join Agency Mini, yeah, go to prfit.biz/mini prfit.biz/mini.Lesley Logan 17:45  If you can sign up right now, it's $25 if it's on early bird, it's $65 if it's not, oh my God, for three days of coaching, change your life. Brad Crowell 17:52  Yeah. 100%. I love it. Well, thanks for joining us down that. If you have a question for the pod or question for Lesley or me, just text us, 310-905-5534, or submit a question at beitpod.com/questions and you can leave us both a win where we'll we'll probably weave that into our Fuck Yeah Friday episodes or you can submit a question, which we can do on our Thursdays. So stick around. We'll be right back. We're gonna dig into this amazing convo that Lesley had with Gregg Lunceford. Brad Crowell 18:21  Okay, let's talk about Gregg Lunceford. Gregg Lunceford spent more than three decades in financial services as a wealth advisor at Mesirow in Chicago. I'm sure I'm saying that wrong. He said it twice, and I was I wasn't sure. But anyway, alongside his advisory work, he's an academic researcher whose PhD studies at Case Western Reserve University, focused on the social, emotional and financial realities of today's retirement transition. And this was so interesting to me, y'all.Lesley Logan 18:50  Fascinating, fascinating. So.Brad Crowell 18:53  His curiosity about why even high, highly successful professionals hesitate to retire led him to explore how identity, purpose and well being shape this stage of our lives. And he's like part historian too, right? So he's also the author of Exit From Work, and he writes about his journey and insights into retirement. So, but I, I really enjoyed him breaking down just the different stages of our lives. And also, like, he's comparing generations. Lesley Logan 19:24  Oh, yeah. Brad Crowell 19:25  And like, how they got to where they are, and like, retirement package stuff that is not even an option for us. Lesley Logan 19:32  Let's just talk about, like, let's get more specific what the episode is about, just in case I haven't heard it. So we were talking about retirement attitude, in a sense, like in that, you know, the way my grandparents retired. I to this day, I'm shocked they retired. I didn't know they had money to retire. They didn't look like they saved anything, but like they're, you know, one, one side saved everything. It came out of the Depression. The other side could have been their children. So very different life. They're very young, and so they, like I, I have one set of grandparents who were retired when I was born, and I had another set of grandparents that worked the whole for a while when I was alive, right? And then they all had a pension, and then they just and then they just retired and got paid to be not working, right?Brad Crowell 20:18  What I think, what I think is amazing is Gregg's analysis, and I'm sure this is well documented now, but, but his analysis of life expectancy shot everything in the foot. Lesley Logan 20:30  Right. Brad Crowell 20:30  He said our grandparents' generation, and to some extent, maybe our parents' generation, the pension game, the reality is that people weren't living to be 70, 80, 90 years old. They were only living 60, 70, years and so if you're working until you're 55 and then they have to pay you out for a decade more before you're done, then. Lesley Logan 20:55  It's not that much money. Brad Crowell 20:55  Wasn't that big of a deal but when you're living till you're 80, all of a sudden the companies were like, this is a massive burden for us. We can't, we can't do this. And so then what? The retirement age got older, the pension packages started getting slimmer, all that kind of stuff. So like, when we look at our grandparents and they had just like, you said, how was it possible that they could even retire? It didn't make any sense.Lesley Logan 21:17  They always they had actually had money to give when they died. I was like, what? They had, they had money? So, so the thing that was really fun with Gregg is that, like he, you know, we got into this more deeply in the episode. It's worth listening to. But like during the 2008 recession, companies were trying to just fire everybody. And so they were trying to go, here's the money. All I do is take this amazing package, and people weren't doing it, and it's because it was emotional, like it wasn't just knowing the number, which is like, what the ads would say. It was like, who am I if I'm not doing this? And like, you know some, I worry about, like, like, your parents have worked, your dad's worked for a company for 40 something years. Brad Crowell 22:02  41 or 42 years, yeah. Lesley Logan 22:04  Well, you're 43. So, so and so he's gonna retire, right? And it's like, does he know what to do? Does he know what he's gonna do? Brad Crowell 22:13  It's so funny because, and also, he probably could have retired. No, no, he they could have, I think financially, they could have retired a while back. But again, I think you're right on the money. It's not, it's actually an identity, right. It's a it's the way that you see. It's how you define who you are.Lesley Logan 22:32  Well, and he's so, so, so Gregg, our genius that we interviewed, he said, you we now have a 20 year life bonus, where you get to define who and what you want to be, because you have your first 20 years getting 20-ish years getting educated. Then you have 20 something, well, Andrew advocates 40 something years that you're working, but then you probably have another 20 plus years to be anything you want. Brad Crowell 22:58  Yeah, because he was talking about the bucket list where people are, like, I'm old and decrepit, but I want to go see Niagara Falls, right? And basically, now today, because the quality of life is so much better, you're still active and able to do life normally, you know, well into your 70s and maybe even 80s, until you're willing to slow down so at that point. But like, so, so then your bucket list is a bit different, because, like, okay, you can probably travel, travel, travel, travel for five or 10 years. I mean, my grandparents did this. They bought a they bought an RV, yeah, and for a decade, they drove around the United States, for a decade, but they eventually got bored of it, and then they came home and they still lived for another 20 years, you know? So it's like, okay, so the bucket list thing, if that, if, if people aren't looking at the end of life as like, I gotta finally have a good time. Now, what Gregg is saying is, like, you could flip this on its head entirely.Lesley Logan 23:55  Yeah. Well, he, he emphasized that today's retirees have more personal freedom than previous generations. And you're probably like, Lesley, why are we talking about retiring? We're still going to be it until we see it. Because be it till you see it changes. It changes all the time. And also, if you are not considering what you want to do on the other side of whatever it is you're doing, I don't care how much you love it. I fucking love what I do, and I dream of exiting stage left all the time. And it's not because.Brad Crowell 24:19  She, this is what I hear around our house. I can't wait to be the person that people go who is she again and and she's like, something to do with Pilates, I don't know.Lesley Logan 24:31  Yeah, like, so there's a line in Notting Hill where Julia Roberts' character says, like, she, she says it in like, not a, not the nicest way about herself, but like, people are gonna look at her, like, as this person who was once famous for a while. And I see it as, like, a complete amazing thing where it's just like, someday it'll be like that, oh, that's that person who she was kind of known in her industry for a little bit, and it's like, yeah, she's not like, I like, I was once famous for a little bit in a small part of the world, and now I can move like, because why not? It doesn't mean I don't love what I do. And by the way, like, please don't freak out. No one freak out. Your memberships are fine. I'm not going anywhere. You got to tell people this, Brad, you got to make sure they know. We are currently creating two other things right now so no one I'm not going anywhere, but I do constantly think about I want to be able to retire when I have my faculties, to travel the world, to go to Antarctica, to do different things, I don't want to be in my 70s going, okay, now I'm hanging my hat up. No, I want to know who you and I are on the other side of working together like I there's these other things. And so I wanted to have Gregg on because when he told me what he did, I was like, fuck yeah. It doesn't matter how old you are listening to this, you can take some time to think about what is the freedom I want to have in this extra bonus of life I get. Your grandparents didn't get it. None of mine did. They all died young so. Brad Crowell 25:58  Yeah, the the I think it's, I think it's, I think it's just really interesting to look at the the shift of things, right? There's so many factors that that made the Baby Boomer, Boomer generation, like, pretty epic.Lesley Logan 26:12  Man, they don't know how good a ride they had. Brad Crowell 26:14  Yeah, and the wealth that they were able to build without, like, realizing it, and all that stuff has, that whole flow has shifted completely, you know, and so it's interesting, though, because life expectancy is longer, and I just, I just love that. So I think that really shifts into what I what I loved about he was talking about, he said something that I found intriguing. He was talking about football players, and he was talking about people who have high performance people, or make a shitload of money, and then they retire, and they, he said, they burn through a lot of money trying to figure out who they are.Lesley Logan 26:54  Yeah, this blew my mind too, because it's like, oh, hold on you. You have the money, but you don't know what you're gonna do with it yet.Brad Crowell 27:01  Well, or it's not. Lesley Logan 27:03  Or who you are with it. Brad Crowell 27:04  That's what I was gonna say. It's not even, it's not even what they're gonna do with it yet. It's they're trying to find themselves because they've been defining themselves.Lesley Logan 27:12  They weren't listening to this podcast. Every single person tells people to get to know who they are. Brad Crowell 27:16  Yeah, but they've been defining themselves by their job for 40 years. So then what happens when you're no longer able to define yourself? I know what this is like, because when I moved to Los Angeles, I was there to do music, and after two years, only two years of being there, so I'm like, 25 right? I am die hard into this band. We are doing everything and anything we can to make this band go and then the singer of the band is like, I'm going to grad school. And he quit. And he was like, my partner in this band. And I was like, what the hell man? Like, why did I come all the way out to Los Angeles to do this. What, to do what? What am I gonna do?Lesley Logan 27:55  Because you're gonna meet me. But that's okay. You didn't know that yet. Brad Crowell 27:58  No, I did not know that yet. It was down the road. So, so I was really I was depressed, I was angry, I was confused. I didn't really know how to I didn't know what I was going to go do. I still knew I wanted to do music, but I but what ended up happening was I really got into motorcycles, like really got into motorcycles, and that became kind of how I defined myself. It was how I I changed the way I dressed. I literally rode a motorcycle every day. I joined a motorcycle club. I would ride all over Southern California, you know. And so suddenly that became my identity. And it wasn't until I was networking and met some more people in music that I began to shift back into the music kind of things. But like, yeah, for sure, I can understand how people would be like, well, I used to be blah, blah, blah, whatever, and now I'm no longer so what am I?Lesley Logan 28:46  It's so easy to blow through money to figure out who you are. There's people who join Pilates training programs at 60 because they're like, oh, I think I want to do this, but it's like, eight grand, right? Well, what if you don't? Then people feel like, oh, I just wasted all that money. And then they do something they don't want to do with it, or, or they just keep trying out different things. And like, now they've got this now. They bought a kayak, then they bought the ski doo, and then they bought the boat, and they're trying to be retired first. And so, yeah, I think so, I think it's really easy because they don't know who they are. And that's Gregg's whole thing. They you have to know who you want to be.Brad Crowell 29:19  Yeah, he said many people who spent life meeting obligations are now suddenly confronted with, who do I actually want to be? Right? Who do I actually want to be? And he said, if you go into that blindly, you start chasing quick hits to replace the accolades of a job. You know, the team mentality, the psychological part of success, when you achieve a goal, you know, and basically it can feel very scattered. And he said, so what we should be doing is preparing what he calls a retirement identity. A retirement identity. And he said, instead of trying to figure it out when you get there, what if you started processing that now? And I thought, man, that's really interesting, because that's always been a question for me. You know, like, I asked your dad one time, what's it like to be retired? And he goes, I don't know. man, I've been retired since my 50s.Lesley Logan 30:16  Yeah. He's been retired for a long time. So, like, we're gonna live in Mexico and become tequila smallies. I've already figured this out. Brad Crowell 30:22  I love it. I love everything about that. I think that's brilliant, but, but also, he said there was other he said there was other options too. What did he call it the barista? Oh, no, no, that was the last week barista retired, where she was talking about, you know, getting a part time job. She called it barista retired. I think? Lesley Logan 30:41  Oh, I think so, but I. Brad Crowell 30:43  You know, like, and that's what your dad's doing now. And why is he doing that now? Because he doesn't want to sit around and watch a television all day. He wants to get up and be active. Lesley Logan 30:50  Yeah, there's, there's great. There's, he's a, he's a, he's a crossing guard now, he fucking loves that.Brad Crowell 30:57  Gregg was talking about, like he works with these clients who are looking towards retirement, and he helps them sculpt these packages, which are really clever, right? Because it shifts your focus of purpose in the job. If your job has been to manage a team of 50 people, now you might be training your replacement person for a year or two before you shift into part time. And you just do it, because you can do it from wherever you need to be and whatever. You know, lots of options.Lesley Logan 31:24  I am obsessed I'm obsessed with this whole thing because, like, everyone wants to know, like, how much money do you need to live off of? Like, that we even our lovely wealth people were like, how much money do you want to live off of when you retire? And we were like, we don't want to worry about money. That was our answer. Because I want to live in an Airstream sipping tequila. And, you know, coming back home here when the weather is good, and then, I don't know, we have a house in Cambodia, there's a I want to see the world. So we had that, but we no one was like, what is your retirement persona? Brad Crowell 31:54  Yeah, how do you, how do you imagine spending your time participating in the world, you know, as a retired person? Lesley Logan 32:02  I mean exactly. Brad Crowell 32:03  Is your goal to watch every movie in the last blockbuster? Maybe you shouldn't do that.Lesley Logan 32:09  We might have to talk about having different lives. Visit you. Brad Crowell 32:17  Actually, it's funny that you say that. He said, a lot of couples don't talk about this, and they see, I, you know, they see themselves retiring in different ways. It's not something that they've actually discussed. Interesting.Lesley Logan 32:28  Well, and you know what? Maybe I have to if there's an expert listening who does graduated marriages, I would love to have you on because that's what they're called. They're called graduated marriages, where you love the person you're married to. You don't want to cheat on them. You don't want to be married to someone else, but you would like to have some people just do a separate room. Some people have a separate house, like they live in a different place because they want to live over there. Clearly, that doesn't work for us, because I would get lost, but. Brad Crowell 32:57  Fascinating. Lesley Logan 32:58  It's fascinating, you know, like, I mean, you know, there's this one podcast I listened to, and she is been working. She still has her company. She's working. She works like a dog. She's got a really successful podcast, and she wants to travel with that podcast, and her current successful company is something that she can travel with, and her husband can't, and she's like, I love you, and you can visit me. I want to live for this many months in this state. I've never lived there. I want to live there. I want to feel what it's like. And so she got an apartment, and he is visiting her every other weekend. That's cool. And, you know what, maybe it spices things up. I'm not saying that, but that's the thing. But like, I do think that if you're in a relationship and you haven't thought about retirement together, may this be your assignment, you should contact Gregg and or.Brad Crowell 33:42  Or have a conversation with your partner. Lesley Logan 33:43  And if you're solo, yeah, yeah. And if you're solo, then if you haven't thought about this, you should, because otherwise you're just focusing on dollars. And that's where I think people get obsessed about what the stock market is doing, because you're not actually thinking of how it affects the person you want to be. And you get a little weird about it. And we have an episode with Wealth with Tess coming back on when it comes to, like, the stock and our numbers and all that stuff, and this uncertain time. But I just think that this is a way cooler.Brad Crowell 34:08  You're totally, you're totally right, because it does just become about like this, like, mad, mad. Like, focus on stashing cash, kind of the markets or whatever.Lesley Logan 34:18  Well, and there's much fear around that. And then it's like, but then who are you right? Like, I'm just obsessed. Brad Crowell 34:22  Exactly that doesn't actually address anything that Gregg is talking about here with your retirement identity. Lesley Logan 34:28  I can tell you right now.Brad Crowell 34:29  Your retirement identity is not a bank account number.Lesley Logan 34:31  He is the only person talking about this. I haven't heard anyone else talk about this. I haven't had anyone else to talk about this. And I am like, this is the stand still, like, number one retirement episode we'll ever have like I'm saying here today.Brad Crowell 34:43  Yeah, it's great. It's awesome. Well, love it. Stick around. We'll be right back. We're gonna dig into some Be It Action Items that we got from Gregg Lunceford. Brad Crowell 34:55  All right, so finally, welcome back. Let's talk about those Be It Action Items. What bold, executable, intrinsic or targeted action items can we take away from your conversation with Mr. Gregg Lunceford. Lesley Logan 35:07  You go first. Brad Crowell 35:10  All right. He said in the planning process of your ideal self, this retirement identity that we've been talking about, he said, what you also have to learn how to do is to replace kinship with friendships, kinship with friendships, which I think is kind of cool. He said today we don't have kinship the way we once did, because families are smaller and they are spread out, right? And also we're not necessarily going into the office to have. Lesley Logan 35:39  Oh, we talked about the Golden Girls. Brad Crowell 35:40  Yeah, you did. Lesley Logan 35:41  Okay,so. Brad Crowell 35:42  Talked about the Golden Girls.Lesley Logan 35:42  Yeah, Sue, just so, you know, Brad, we're on a compound already with Steven Sue and I and a few other people. We're taking applications.Brad Crowell 35:49  We're taking applications. Yeah. So what's really funny, though, is he brought up the Golden Girls and we've talked about this for like, years.Lesley Logan 35:58  Yeah, and I was, like, a wealth manager co signed the idea, I'm in.Brad Crowell 36:04  So he said retirees, retirees must create for themselves on their own, a living setup that supports financial stability and mental well being, and that's where the Golden Girls concept comes in. So it has to include intentional socialization and finding things that create psychological success. So here's an example. He said. It's called an ABRC. It's an academically based retirement community. Or there's another one called a URC, which is a university based retirement community. And basically what he's saying is, if you worked in a field for a really long time, and you connect with other people who worked in the same or similar field, you will have a lot of things to talk about that are the same. Then you'll be able to have those conversations. So that's where the academically based retirement community comes in. Versus a university based retirement community would probably be like, Hey, we're all from the same alma mater, Alma Mater. I may be a year or two before you or after you, whatever.Lesley Logan 36:59  So here's my criteria for ours. Ours is going to be people. Everyone has to who, after Sue Steven, you and I. Everyone has to tell us what young person in their life who is strong on Strapping, who can help move heavy things, because you and Steven aren't going to like, stop doing projects. So we're gonna need help there. And then we just need, we need people who have children to, you know, to help take care of it, because we don't have any. We're not bringing that to this. We're bringing the project management to the community. But we don't have, we're facilitating. We don't have the young person, right? So, so, so sue and Steven have a three nieces on their side. So that's good.Brad Crowell 37:40  Okay, okay, okay. So we, I think we have a couple on our side too.Lesley Logan 37:44  We have, we are, I am the favorite aunt to our only niece, so there's that. But you know what? She might we need extra, just in case. We need to have extras. You gotta have, like, it's like having retirement. You gotta have backup. Brad Crowell 37:57  I remember my grandfather, who recently passed away. He was 94 I think, when he passed away, he moved out of his house at like, 88 or 87 years old into a retirement community. And he did it in, like a snap whim moment, because one of his longest friends for 50 years was like, hey, I just got an apartment at this place down the road. You should come, you should join us there. And he was like, absolutely, hell yeah, literally, called our whole family was like, I'm moving. And everyone's like, what? You're 87 what are you talking about? Lesley Logan 38:34  No, we're gonna find a mid century motel.Brad Crowell 38:36  But the, well, the goal for him here was community. Right? Where he went had, it was a it was like one of those communities that had live on your own, but they're still around, get partial help, and then eventually get full help. So it had three different facilities in one place. And so he moved into that I can do everything by myself, part of the community, and would walk down the hall and go play pool every night with the guys you know. And he did this for many, many years. And the belonging, that communal element that changed the game for him, because he was sitting alone in a house before, and he was like, this sucks. I gotta, I gotta get out of here.Lesley Logan 39:12  Well, I like our compound idea. It's a little culty, but not too much. And I only want the people that we want to be around on this. Like, I like what your grandfather did for himself, it's eally great. But there's also, like, a bunch of people involved that I didn't like, you don't get to choose them. So this is. Brad Crowell 39:30  But he found, like, love late in life too. You know, so there's that.Lesley Logan 39:33  He lived his best life. It's fine. I'm saying it's not ours. And that leads into my Be It Action Item that I'm talking about, which is, like, it's critical that this is a shared vision, yeah, so you gotta create a vision, the shared vision. I understand that I'm telling Brad about this vision a lot. Don't worry. I know what he likes.Brad Crowell 39:49  No, I'm very on board. I love me some tequila. So sign me up. Lesley Logan 39:53  I just think we have our great friends. We have a bunch of DINCs in our life off, but we get all the DINCs together, dual income, no children, all the DINCs together, we can have a cool kick ass compound with, first of all, just the just the red light therapy alone, we're like, already golden, so I'm just so in on this. But okay, so back to what Gregg said to do. Gregg said, create a vision. It's critical that it becomes a shared vision. And he actually said that research shows approximately 40% of couples do not even discuss retirement savings, which is bad, like whole no wonder so many divorces happen. People just don't talk about shit. Like, what is happening? Gonna start talking about your goals. Engage a professional like Gregg, to help you see how you can align your financial wherewithal with those visions. Probably Gregg, because he's the only person who studied this. He's the only, everyone else just wants to know what your fucking number is. He cares about what you want to do. And then, he said you have he wants you to think differently. He wants you to think about being your best self at this stage, not being someone whose society just says it's just time for you to leave. He wants you to, like, really think about who your best self is and take ownership of that, because you're kind of a badass, like people don't realize, like you have so much knowledge that is acquired from the time that you've spent so own that. And he said, in his words, you have more value to offer a lot of people than you think. And I think that that's true. There's like, so many different ways you can prepare, like you can be a big brother or a friend or a, you know, a leader of some kind in some capacity, with all this knowledge you have, you could, you can, you can, you can support people around you who need it. So there's just so much more live 20 bonus years. Plus, you know the way things are going, we'll see how we'll see how this ages by February, considering they're trying to get rid of nursing degrees and stuff like that in July. So we'll see. But I'm just saying there's a lot you can do. And I just really want people, I want people to have all the information. I don't. I don't like that some people have to work until they're 80, or because they either because they need the money or because they don't know what to do other than that, like that makes me sad, both of those. So hopefully this helps you. I'm Lesley Logan. Lesley Logan 41:57  And I'm Brad Crowell. Lesley Logan 41:58  Thanks so much for listening. How are you going to retire? We want to retire? We want to know what that vision What's your retirement persona? Tell Gregg. Tell the Be It Pod, and until next time, Be It Till You See It. Brad Crowell 42:07  Bye for now. Lesley Logan 42:08  That's all I got for this episode of the Be It Till You See It Podcast. One thing that would help both myself and future listeners is for you to rate the show and leave a review and follow or subscribe for free wherever you listen to your podcast. Also, make sure to introduce yourself over at the Be It Pod on Instagram. I would love to know more about you. Share this episode with whoever you think needs to hear it. Help us and others Be It Till You See It. Have an awesome day. Be It Till You See It is a production of The Bloom Podcast Network. If you want to leave us a message or a question that we might read on another episode, you can text us at +1-310-905-5534 or send a DM on Instagram @BeItPod.Brad Crowell 42:51  It's written, filmed, and recorded by your host, Lesley Logan, and me, Brad Crowell.Lesley Logan 42:56  It is transcribed, produced and edited by the epic team at Disenyo.co.Brad Crowell 43:00  Our theme music is by Ali at Apex Production Music and our branding by designer and artist, Gianfranco Cioffi.Lesley Logan 43:07  Special thanks to Melissa Solomon for creating our visuals.Brad Crowell 43:11  Also to Angelina Herico for adding all of our content to our website. And finally to Meridith Root for keeping us all on point and on time.Support this podcast at — https://redcircle.com/be-it-till-you-see-it/donationsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy