Podcasts about ATM

A critical vulnerability in SUSE [SOO-suh] Manager allows attackers to run commands with root privilege. A joint CISA and U.S. Coast Guard threat hunt at a critical infrastructure site reveals serious cybersecurity issues. Healthcare providers across the U.S. report recent data breaches. Cybercriminals infiltrate a bank by physically planting a Raspberry Pi on a network switch. Russian state-backed hackers target Moscow diplomats to deploy ApolloShadow malware. Luxembourg investigates a major telecom outage tied to Huawei equipment. China's cyberspace regulator summons Nvidia over alleged security risks linked to its H20 AI chips. A new report examines early indicators of system compromise. Today we are joined by Ryan Whelan, Managing Director and Global Head of Accenture Cyber Intelligence, with their analysis of Scattered Spider. Pwn2Own puts a million dollar bounty on WhatsApp zero-clicks. Remember to leave us a 5-star rating and review in your favorite podcast app. Miss an episode? Sign-up for our daily intelligence roundup, Daily Briefing, and you'll never miss a beat. And be sure to follow CyberWire Daily on LinkedIn. CyberWire GuestOur guest today is Ryan Whelan, Managing Director and Global Head of Accenture Cyber Intelligence, discussing the possibilities of Scattered Spider. Selected Reading Critical flaw in SUSE Manager exposes enterprise deployments to compromise (Beyond Machines) CISA identifies OT configuration flaws during cyber threat hunt at critical infrastructure organization, lists cyber hygiene (Industrial Cyber) CISA Issues ICS Advisories for Rockwell Automation Using VMware, and Güralp Seismic Monitoring Systems (Cyber Security News) Florida Internal Medicine Practices Discloses November 2024 Data Breach (HIPAA Journal) Cybercrooks use Raspberry Pi to steal ATM cash (The Register) Russian Cyberspies Target Foreign Embassies in Moscow via AitM Attacks: Microsoft (SecurityWeek) Luxembourg probes reported attack on Huawei tech that caused nationwide telecoms outage (The Record) Nvidia summoned by China's cyberspace watchdog over risks in H20 chips (CGTN) Hackers Regularly Exploit Vulnerabilities Before Public Disclosure (Infosecurity Magazine) Pwn2Own hacking contest pays $1 million for WhatsApp exploit (Bleeping Computer) Audience Survey Complete our annual audience survey before August 31. Want to hear your company in the show? You too can reach the most influential leaders and operators in the industry. Here's our media kit. Contact us at cyberwire@n2k.com to request more info. The CyberWire is a production of N2K Networks, your source for strategic workforce intelligence. © N2K Networks, Inc. Learn more about your ad choices. Visit megaphone.fm/adchoices

Send me a message “How to Not Suck as a Realtor: 9 Rules That Actually Matter”You can be a nice person, have a good heart, know your shit — and still totally suck as a real estate agent. Let's be honest - the bar in our industry is low. Like, trip-over-it low. But if you want to stand out, attract more clients, get more referrals, and build a real business instead of just playing Realtor all day… you can't afford to suck.In this episode, I'm breaking down 9 specific things every agent must do (or stop doing) if they want to be taken seriously and actually grow. From fixing your marketing, to knowing your damn numbers, to not disappearing after the deal closes - I'm giving you a blunt checklist to audit yourself with. If you want to win massively in 2025 and beyond, this is your blueprint. Let's go.In This Episode:Why random marketing = random resultsThe one mindset shift that makes clients trust you instantlyWhy doing everything yourself is hurting your clients (and keeping you broke)What to say in videos and texts that actually makes you memorableHow to turn your past clients into an ATM — without being weirdThe most underrated growth hack no one talks aboutLike the episode?Share it with your broker, your team, or the agent down the hall who still thinks “just listed” postcards are a lead gen strategy.We don't gatekeep around here.***********************RESOURCES :Massive Agent Business Accelerator: 12 Week Program to go from stressed out solo agent, to thriving business owner making more, and working less. Repurpose Social Media Automation Tool: The FREE tool I personally use to automate and streamline posting content on social media. Even removes the watermarks! - CLICK HERE REAL Broker - Learn how we can be business partners and build a business together @ ΓEA⅃ Broker- CLICK HERE BAMx - A Realtor's "Business in a Box" - Weekly Video Scripts, Blogs & Email Content, courses, masterminds... all delivered to your inbox each week. CLICK HERE PLEASE LEAVE A REVIEW on APPLE PODCASTS or SPOTIFY

Our guest this week is Anita Schnee. Anita is a Feldenkrais™ practitioner who has joined us many times on this podcast. During the recent conversation we recorded with Dr Brennan Armshaw and Dr Claire St Peter (episodes 324 and 325), I kept thinking - I wish we had invited Anita. Well it turns out Anita was listening. Anita offers Awareness Through Movement classes twice a month via zoom. The introduction to her next on-line ATM lesson was built around Dr. Armshaw's work. It was sparking off all kinds of fun connections. I loved Anita's introduction to that evening's class. Of course, I wanted her to join me in a conversation, so here we are. We begin with a much better description of the Feldenkrais™ work than I provided during Dr. Armshaw's podcast. Dr. Armshaw uses electromyography biofeedback to shape at the level of the activation of individual muscle fibers. Compared with his starting point we are all massively lumping! What interests me in this is what can be achieved when you start small. When we look for what comes before what comes before the action we are interested in, good things happen. Dr. Armshaw and Anita are helping us to understand what happens when we start small.

www.marktreichel.comhttps://www.linkedin.com/in/mark-treichel/FRAUD SCHEMES[00:41:00] Timeshare resale fraud targeting elderly[00:44:00] ATM "jackpotting" - new threat explained[00:45:00] Skimming device sophistication[00:46:00] Universal key vulnerabilities

Bryan Kohberger and his "I was out for a gander at the stars" routine isn't sitting well with the Goncalves family and they had no  problem calling it absurd and a delay.In this episode, we hear from the Goncalves family in the wake of the alibi claimed by Bryan Kohberger and what we might expect as the process continues to grind forward.An alibi in a criminal trial is a defense strategy where the accused presents evidence to show that they were somewhere else at the time the crime was committed, thereby making it impossible for them to have committed the crime. It's essentially a form of proof of innocence by demonstrating that the accused couldn't have been at the scene of the crime.Corroborating an alibi using digital evidence involves gathering electronic records or data that can confirm the accused's presence elsewhere. Here's how it can be done:Surveillance footage: If there are surveillance cameras in the area where the accused claims to have been at the time of the crime, the footage can be reviewed to verify their presence.Cell phone records: Mobile phone records can show the location of the accused at the time of the crime, either through cell tower pings or GPS data if enabled. This can be corroborated with witness testimonies or other evidence.Social media or online activity: Posts, check-ins, or messages on social media platforms or other online services can provide a digital footprint of the accused's whereabouts. However, these can sometimes be manipulated, so additional evidence may be needed to corroborate them.Credit card transactions: Credit card transactions or ATM withdrawals can provide evidence of the accused's whereabouts if they made purchases or withdrew money around the time of the crime.Email or electronic communication: Emails, text messages, or other forms of electronic communication can provide timestamps that establish the accused's location or activities at a particular time.Digital photos or videos: If the accused or someone else took photos or videos at the time in question, these can serve as evidence of their presence elsewhere.(commercial at 9:17)to contact me:bobbycapucci@protonmail.comsource:Family of Idaho murders victim Kaylee Goncalves bite back at Bryan Kohberger's 'moon and stargazing' alibi, saying 'if it had weight, it would have been submitted months ago' | Daily Mail OnlineBecome a supporter of this podcast: https://www.spreaker.com/podcast/the-moscow-murders-and-more--5852883/support.

Hive is expanding its Paraguay mining sites with a target of 25 EH/s by year's end.Get the headlines that matter, right when they hit the wire: Join our Telegram group for market moving news on top Bitcoin equities like $MSTR, $MARA, $RIOT, $CLSK, and more: https://t.me/blockspacenewsWelcome back to The Mining Pod! Today, Aydin Kilic, CEO of Hive Blockchain joins us to talk about their plan to scale to 25 EH/s by year end, the Paraguay expansion using new Bitmain hydro units, the company's ATM funding strategy, and their pivot into HPC.Subscribe to our newsletter! **Notes:**• Scaling from 12 to 25 exahash by year end• 200MW Paraguay site bought for $400k/MW• 18% share dilution in Q1 from ATM usage• $500M mining margin target at 25 EH/s• 50% gross mining margins currently• $40M profit on Bitcoin pledge tradeTimestamps:00:00 Start03:02 NYC trip04:58 25 Exahash goal07:35 Surviving bear markets18:20 Fractal Bitcoin18:59 ATM24:05 Next steps 2025

Student carparking fine Brits love being naked in the garden SLP - Are you buying butter or marg ATM? Guy who flew peen in the sky Top 6 Chores on the farm Bend it like Beckham Spenny clothes won't last any longer than cheap ones What's ya jobby? What was the trend at your school ball? Brin on Big Brother Fletch's lab instruction Fact of the Day When you did accidentally take drugs?See omnystudio.com/listener for privacy information.

Get the headlines that matter, right when they hit the wire: Join our Telegram group for market moving news on top Bitcoin equities like $MSTR, $MARA, $RIOT, $CLSK, and more:  https://t.me/blockspacenews Welcome back to The Mining Pod! Today, Aydin Kilic, CEO of Hive Blockchain joins us to talk about their plan to scale to 25 EH/s by year end, the Paraguay expansion using new Bitmain hydro units, the company's ATM funding strategy, and their pivot into HPC. Subscribe to our newsletter!  **Notes:** • Scaling from 12 to 25 exahash by year end • 200MW Paraguay site bought for $400k/MW • 18% share dilution in Q1 from ATM usage • $500M mining margin target at 25 EH/s • 50% gross mining margins currently • $40M profit on Bitcoin pledge trade Timestamps: 00:00 Start 03:02 NYC trip 04:58 25 Exahash goal 07:35 Surviving bear markets 18:20 Fractal Bitcoin 18:59 ATM 24:05 Next steps 2025

The number of free-to-use ATMs in the UK has been steadily declining, with a 6% drop from 2022 to mid-2023. This reflects a shift in consumer habits, as cash usage has decreased significantly. For example, weekly ATM withdrawals fell by nearly a third, from £2.2 billion in 2019 to £1.5 billion in 2023. The shift began years ago but accelerated during the COVID-19 pandemic. In 2021, cash accounted for only 15% of all payments in the UK, driven by the rise of contactless and online transactions. While 74% of adults use cash occasionally or rarely, certain groups, including older adults and those without access to digital banking, still rely heavily on it​. When did we start paying less in cash? Does this mean cash payments are on their way out? Why are ATMs disappearing? In under 3 minutes, we answer your questions! To listen to the last episodes, you can click here: ⁠How can I use the 80/20 method to save money?⁠ ⁠How do sim swapping scams work?⁠ ⁠Is putting on less heating a way to save money and be healthier?⁠ A podcast written and realised by  Amber Minogue. First Broadcast: 15/1/2025 Learn more about your ad choices. Visit megaphone.fm/adchoices

Title: Build a Bigger Life, Not a Bigger Lifestyle: The Real Path to Freedom with Adam Caroll Summary: In this episode of Raise the Bar Radio, guest (Adam Carroll) shares his journey from a traveling professional speaker to building sustainable wealth through passive income strategies. After realizing the limitations of trading time for money, Adam developed The Shred Method, a cashflow reorientation system that minimizes debt interest and frees up capital to build liquidity and invest. By leveraging lines of credit and algorithm-driven cash deployment, individuals can rapidly pay down debts and reallocate savings into passive income streams like real estate syndications, intellectual property, and other alternative investments. Adam stresses that most high-income earners don't have an income problem - they have a liquidity problem tied up in low-access retirement plans and excessive spending. Finally, he expands on his philosophy of "building a bigger life, not a bigger lifestyle," urging professionals to align spending and time with their values to achieve fulfillment and financial freedom within 10 years. Links to Watch and Subscribe:   Bullet Point Highlights: Trading time for money is limiting. Adam shifted from paid speaking gigs to building passive income streams for true freedom. The Shred Method minimizes interest expenses. By using cashflow more efficiently through lines of credit and optimized algorithms, debt is paid down faster, freeing liquidity for investing. Passive income is key to wealth. Adam focuses on real estate syndications, ATM tranches, intellectual property, and digital products to generate consistent, diversified passive cash flow. Most people have a liquidity problem, not an income problem. Money is often locked in 401(k)s or spent wastefully — instead, creating accessible liquidity allows for opportunity-based investing. Building a bigger life requires intentionality. Aligning spending and actions with core values (like family, freedom, growth) leads to fulfillment — not just more stuff. The game becomes fun. Once passive income starts flowing, investing becomes strategic, diversified, and compounding — eventually replacing active income and creating financial independence. Anyone can implement this. While you can DIY, Adam recommends coaching to fast-track understanding and execution of the Shred Method. Transcript: (Seth Bradley) (00:02.094) What's up, Builders? This is Raise the Bar Radio, where we talk about building wealth, raising capital, and all in all, raising the bar in your business and your life. This is the No BS podcast for capital raisers, investors, and entrepreneurs who are serious about scaling their business and living life on their own terms. I'm (Seth Bradley), securities attorney, real estate investor, and entrepreneur, bringing you world-class strategies from the best in the game.   If you're ready to raise more capital, close bigger deals, build a better you and create true financial freedom, you're in the right place. Let's go. Adam, what's going on, brother? Welcome to the show.   Hey Seth, thanks for having me, man. I'm excited about our conversation today.   Yeah, dude, super stoked to have you on today. It's going to be an awesome show, man. Let's dive right in. Tell us a little bit about yourself, your background. Take it back as far as you want to. Yeah.   Well, for the last 15 years or so, almost 20 now, guess, I've been making my living, opening my mouth and just speaking on stages all across the country. Had the opportunity to do a couple of international gigs, which was a blast. And in the midst of all that, making my living as a professional speaker, I realized that if I was very similar to your audience, if I wasn't doing the deal, doing the gig, doing the engagement, I wasn't getting paid.   (Adam Carroll) (01:26.184) And so a mentor of mine said, the goal is not to go to work and get paid. The goal is to go to work and get paid, get paid, get paid, get paid, get paid, get paid, get paid. And so I started figuring out that what I really wanted to do with the messaging that I was delivering was turn it into sort of a mediapreneurship where I was a mediapreneur creating content, but then I'd get paid for the content over and over and over again. And that today looks like I've written a bunch of books.   I've got a documentary that I produced that aired on CNBC. And now we're starting to get into more of a SaaS business, which I'm sure we'll talk about. That's the shred method. But I, you what I do when people ask me, I tell them, I love to educate people about new and different ways of building a bigger life, not a bigger lifestyle. And I would say you and I have that in common, because I know you're doing that on the show.   Yeah, absolutely, man. I gotta ask, how do you become a professional speaker? I bet a lot of people are thinking about that.   The origin story is kind of interesting because I was a clothier at the time in Denver, Colorado. And I was literally going out and meeting with high level executives in their offices, selling them custom made suits and shirts and sport coats and pants and whatnot. And it occurred to me in the middle of a meeting at one point, an appointment with one of my clients that I didn't want to measure in seams for the rest of my life. And I'll keep it PG but   This guy was one of my favorite clients. He was irreverent and funny and wasn't afraid to spend money on clothes. But this particular day, he confided in me that he wasn't wearing any underwear. And I was just like, dude, JP, what? You knew I was coming here today. He's like, I know, I just forgot. I'm sorry. I'm sorry. And I walked out and I went, I don't want to do this anymore. I just don't want to do this. And the company that I worked for is a fairly well known clothier. But   (Adam Carroll) (03:22.55) Every day I would drive around in my car listening to motivational messages. You know, they were on CDs at the time. I'm going to date myself, but I would listen to like Mark Victor Hansen and Jack Canfield and Les Brown and Zig Ziglar. I would listen to all these CDs in my car. And Mark Victor Hansen said on one of the CDs that public speaking is one of the most noble professions because you get to travel the world. You get to change people's lives and you make a lot of money doing it. And I remember thinking.   That's what I want to do. All three of those things rolled into one. And so I reached out to a buddy of mine and said, dude, I don't think I'm in the right job. I need to be doing something else. He said, what do you want to do? And I told him, and you know how the universe kind of works in mysterious ways. He goes, well, Anne, who used to work with us, she works for a company that that's all they do is hire speakers. And so I sent in a tape, I auditioned, I got the gig.   And I was a W2 employee of theirs for about two years and then realized that I was being underpaid for the work I was doing, that I was actually probably one of the top 10 % of speakers on the roster. And then I realized that when you can make anywhere from a thousand to $5,000 an hour doing that, it was a pretty good paying gig if you were out on your own. I took the jump and have been doing it ever since.   Interesting man. I didn't realize that you could have a W-2 as a speaker I thought everybody that was speaking was getting the speakers that were getting paid, you know They were kind of doing it on their own. I don't realize there was kind of a there was a way to do it where there's a company that pays W-2 wages to speakers to speak it events. Yeah, it's interesting   It is interesting because there are companies that will hire you as a speaker to go and it may be sell their product or service. Or in this case, I was working for a company that was a division of monster.com, the job search company. And I was, I was speaking to high school and college students all across the country. And I probably presented to like 200,000 people in, two years time. So it was just a great practice run and a great way to cut my teeth on a very difficult audience. Because.   (Adam Carroll) (05:36.814) I don't know if you've ever been around a freshman in high school or a sophomore in high school, but they're like the most apathetic human beings on the face of earth. They don't want to be there. I could have lit myself on fire and they'd been like, cool, what else you got? And then when I realized that there were speakers like me that were out who basically just said, this is my topic. This is my specialty, if you will. And here's the rate. And the more they spoke and the...   we have a theory that the more you speak, the more you speak. So once you get out, you hang your own shingle and say, I'm a speaker in this topic, people begin to know you as that person. And then word gets around and obviously you have to not suck on stage. That's part of it. But if you're great at keeping audiences attention, and I really studied NLP, neuro-linguistic programming to use the right words, I studied comedians to figure out what was funny and what wasn't, and it just worked.   Over time, I had more more bookings and at the peak of my career, I was doing like 70 or 75 gigs a year.   Wow, wow, that's incredible. Definitely didn't realize that was your background. I remember those folks coming to like the office and selling suits and doing that sort of thing. So that's pretty interesting. I'm sure a lot of listeners out there are familiar with that process as well.   Yeah. Yeah, it was, it was a great, it was a great gig. mean, I met all sorts of really phenomenal business people. And I think for me, it was, it was like confirmation that I had this desire to, to impact people. And my boss at one point, he was like, Hey, these people love you. They want you to come around. They love the discussion and the conversation. They need to buy stuff from you. And, and there was a.   (Seth Bradley) (07:01.639) sorry, go ahead.   (Adam Carroll) (07:26.574) It's kind of a realization for me that I didn't necessarily want to have to sell. wanted people to buy. And speaking makes it real easy to do that.   Hmm. Yeah, makes sense. Let's jump right into it, man. Let's talk about the shred method. A lot of folks will find this very interesting. I know that I do. What is it? And let's just start there. What is it? Tell us a little bit about it.   Yeah, the shred method, first of all, thank you for asking. it's, it's, for me, I don't say this lightly, but nothing has built more wealth for me and my family than following this model. And the reason for it is there are two great expenses that everyone has in life. And I'm sure all of your listeners, be they attorneys, doctors, other professionally degreed folks.   If you're in a W-2 job, you know this to be true. The two greatest expenses we have in life are taxes and the interest expense on debt. Those are the two greatest expenses. And a gentleman that I had met years ago who helped me with tax situations, just a brilliant, brilliant strategist, he said, Adam, if you focus on minimizing your tax liability, that will get you halfway there. And it's very easy to do, buy real estate, have depreciable assets.   you know, make personal expenses, business expenses, etc, etc. But he said, if you can focus on minimizing the interest expense on debt, this is like a video game that you can't lose. And so when I learned about the shred method, and this is known by a variety of different terms, some people call it an Australian mortgage, it's called velocity banking, we've taken those concepts and turbocharged them.   (Adam Carroll) (09:09.474) almost like putting nitrous oxide in a gas tank, you know, in terms of making it go faster. But the shred method is a unique tool and a way of reorienting your cash flow through your household so that it is being used to the most efficient use possible. And to kind of qualify that, Seth, if you were to leave your home in the morning to go to the grocery store, as an example, and you came back home, emptied the car out,   knowing you had to go to post office at like 4 p.m., would you leave your car idling in the driveway all day?   (Adam Carroll) (09:46.284) Nope. No, and why wouldn't you?   Wasteful.   Yeah, wasteful, you'd burn gas, it'd be hard on the engine. It's just inefficient, right? And yet what most people do is they get their income, their income gets deposited into a checking account, and it sits there for days, weeks, months, sometimes years on end. And we never really use it to its highest efficiency. Meanwhile, we might have debts, commercial debts, primary mortgages, might have student loans yet. And all of those are accruing amortized interest.   right? And you might say it's compound interest working against you to a certain extent. But at the very least amortized interest means that the majority of the interest you're paying on that debt is upfront, it's in the first one to five years. And so the shred method teaches people how to take that income that is being super inefficient in an account, and instead begin to apply it through a process that allows you to blast away   the highest interest or highest payment debts that you have, freeing up cash flow, building equity, and ultimately, and this is the key, creating liquidity to go buy passive income properties, if you will, or other passive income plays.   (Seth Bradley) (11:02.058) Interesting. Yeah, and we actually haven't had anyone on the show to speak about this method, whatever nomenclature you might use. So let's go in a little bit more detail. mean, what is the vehicle? What is this flow of money that you're talking about?   So, know, logistically, here's how it works. Money typically would just get deposited into checking. You pay everything out of checking your mortgage, your car loan, your credit cards, living expenses. And the gurus would tell you that anything extra should really go towards savings and investments, right? And for most people, it goes to Costco, Target and Dining Out. That's where it goes. You know, it doesn't stay in the account, doesn't go into savings. If it does, it goes there for a small period of time. I think that most people   don't really have a savings account, they have a put and take account, because they put a little bit in, take a little bit out, put a little bit in, take a lot out. So the way this works is the money instead of being deposited straight to a checking account gets deposited into what we call a shred account. And the shred account could either be a line of credit, or it could be just a side account of money that you have sitting there that has not been accessed in some time. And what we tell our users is that   you really want to have either a line of credit or a shred account that is one and a half to two times what your monthly net take home is. So if you're bringing home 10 grand a month net, then ideally you want either a line of credit or a shred account of 15 to 20 grand. And the magic of this is the money is going to flow into that account. But the shred method is powered by a piece of software that is based on an algorithm that's tracking your income.   your expenses, the interest that you're paying on all your debts, and how much discretionary money you have available at any given point in time. And essentially, we're leveraging that in really short bursts of time against your largest debts, which could be, again, student loans, could be your mortgage, could be commercial properties. And in doing that, what we're doing is we're saving copious amounts of interest, like literally tens to hundreds of thousands of dollars.   (Adam Carroll) (13:11.122) And in the process, we're freeing up a ton of equity. So people that are saying, hey, I'm paycheck to paycheck. It's hard for me to figure out how am I going to invest more money? We're telling them the money is going to come from the equity that you're creating in your properties by paying them down rapidly.   I love that because I can see where this is going to potentially free up some extra cash to invest. A lot of folks out there, including myself back in the day, we got caught up in this thing we call the golden handcuffs where we're just spending everything. Like you said, we're spending it on Target, on eating out, on things that we really don't need. mean, there's a time and place for spending money on having a good time and enjoying your life for sure.   But we just we tend to overdo it as our income grows our expenses grow right along with it And a lot of people that I talked to about investing they're like, you know I don't have fifty thousand dollars to invest in this real estate deal or a hundred thousand dollars in this real estate deal and it's like well Well, why don't you you know make three hundred thousand dollars you why don't you have fifty thousand dollars to invest in this awesome deal? Right or to you know, put aside for your emergency fund. Like why don't you have these things set up?   So, you know, we always have to walk them through, you know, the expenses is the issue. Really, it's what are you spending all this money on? we try to find how they can save on those expenses so that they can invest in these assets that are really going to set them financially free.   No doubt. And I think you hit the nail on the head. If somebody's making, and honestly, I tell people if you're making six figures plus $100,000 plus, and you don't have 10, 20, $50,000 ready to go, there's something fundamentally wrong. And here it is, we're sending too much money to our banker, and it just goes up in smoke. Right? We like to refer to it as the interest to income ratio, which is if you take how much income you make,   (Adam Carroll) (15:11.694) and you back out how much of that income is actually going to pay interest expense, it'll probably blow your mind. If someone's got a multi-six figure home or mortgage that they're paying on, and they've got student loans, and maybe they're driving a $50,000 to $100,000 vehicle with a payment attached to it, you're probably burning 50 to 60 grand a year in interest and not really thinking twice about it. So what this does is it starts to claw back some of the money that you're sending to your banker.   Which by the way, they make plenty of money. They don't need your money. That is the most profitable business out there is banking and lending. mean, literally, Seth, if you drive two miles around your property there, how many banks would you be able to stop at, do you think? Ballpark best guess.   Right, half a dozen.   Easily, right? And they're probably $10 million buildings minimum. Out there, they're even more, right? So, so this is the deal. They're profitable business ventures. And what we have to remember sometimes is we are their compound interest vehicle, right? Us making our payment every single month is what makes the banks all the money. And if we can game that system, if even for 12 to 18 months at the very beginning of our debt,   we can strip away a huge chunk of the interest that we would normally be paying them over the course of a decade or more. To your audience, that's how I'd say this is how you find the extra 50 or 100 grand because you do have it and it should be in the equity of your property and easily accessible as a liquidity tool. It just isn't because you haven't challenged the banking system.   (Seth Bradley) (16:57.073) Yeah. Now, is this something you can set up yourself or is this something that you need an expert to kind of walk you through? I'm sure if you could probably do it either way. It's just like anything else. You want to take the shortcut or not. But yeah, I just like to know your thoughts on that.   You're exactly right. I I could build a deck on my house if I wanted to and had three months to learn how to do it. Anybody can learn how to do this. My question to most people when they say, I do this myself? I'll say, yes, why haven't you? And for that, the investment with us is very minimal, mainly what it is is coaching and being able to help people get the logistics right. Because once they get it, it's very simple.   but there requires a little bit of retraining the brain in terms of how to handle your money and where the cash flow goes, because it's so, it's like so ingrained in us to live in the banker's business model, put money in checking, pay your bills, anything leftover goes over here. And if you look at it critically, the two groups that are really making money using the existing platform are bankers,   and any advisors that are accepting your money and then turning around and doing something with it. A friend of mine used to call it the helper class. So when the helper class has your money, they're making a ton of money, probably more than you are. And that's our goal is to begin to start to pull back some of the money from the helper class to keep it for ourselves to build those massive passive permanent streams of income.   Yeah, yeah, that makes sense. We tend to bash a few of those helper class folks. I mean, they're not all created equal, including some financial advisors and folks like that that, you know, they're okay people, but their interests aren't necessarily aligned with yours.   (Adam Carroll) (18:51.576) That's right. I would agree with that. I don't want to villainize them, but I think that personal finance is personal. The challenge that I have with anyone out there who espouses a certain way, mine included, is it has to be for the right kind of audience, the right avatar. From our perspective, the people that we help out are the ones who do want to break free from the W-2. They want to create massive passive permanent streams of income.   Over time, they'd like to build a bigger life, not a bigger lifestyle. So if someone's chronically overspending, got to have the newest of the new every single time, they may not be a perfect fit with our strategy because the goal is to continually increase your income while either keeping your expenses similar or even trending down over time, which is not to say that you can't expand where you're spending. Your income is increasing exponentially relative to your expenses.   we do that through the model that we're teaching people. So, you if you're a new car every six months or 12 months kind of person may not be a perfect fit. But if you're somebody who's like, hey, the debt's kind of oppressive, I want to get rid of it. And I want to build, you know, massive wealth for future generations, then generally speaking, we're a pretty good fit for for those folks.   Yeah, yeah, that makes a lot of sense. And I feel like there's, there's probably, it's probably a math equation, right? Like we can't necessarily do it on this show because it's, everybody's taking it in by audio for the most part. there's gotta be an algorithm and you could probably, you know, set those expense numbers and interest numbers that you're paying on your mortgage and other debts and what you're going to pay on that through the shred method and kind of see the savings and how you can grow that wealth year over year.   You're exactly right. It is super fluid. So if your income changes, your expenses change, we plug all that data in and hit recalculate and the thing automatically adjusts to whatever your expenses are. So one of the things that I would never fault anyone for is taking awesome vacations or buying a new car, whatever your choice is. Again, we're not going to villainize anyone for living their life.   (Adam Carroll) (21:06.67) But what we can do through shred is to say, hey, if you're going to drop 10 grand on a vacation, it's going to change your payoff by a month or two months or six months, depending on your income and discretionary income. And if someone knows that and they're planning on it, at least they're armed with that information as opposed to, gosh, we shouldn't do this, but we did or should we buy this $50,000 card? Does it make sense? Or 80 or 150 or whatever your number is.   We can show you exactly do it, just know this is what it changes in the process.   Yeah, yeah, I like that because you can just show them this is the impact it's going to have on paper before they do it and then you can make a better decision on whether or not you want to do that or not.   Absolutely. And furthermore, and you'll appreciate this, I know you're of this mindset, you'll get to a point where it's like, if you want the new car, then invest the money in a syndication or another property that puts enough money in your pocket, you can go pay for the car. But let your assets pay for your liabilities. And I think that's the main thing that many people, I'm sure your listeners, certainly folks that we engage with.   They don't have a lot of assets. They work hard, they make good money, but that is the sum total of their income, is active income. And our goal is to increase passive income over time where it supersedes your expenses because at that point you're financially free.   (Seth Bradley) (22:36.758) Right, right. What are some of the passive investments that you're involved in or that you recommend to people once they've implemented this system and they're trying to build those passive income streams?   Yeah, there are a number of them and I keep getting introduced to more and more all the time, Seth. I mentioned that, you know, that I was a mediapreneur and that the goal was to work, do the work and then get paid, get paid, get paid, get paid. So I started looking for other passive income streams. I really do love real estate. I've been invested in real estate for a long time. We divested of personally held real estate about four or five years ago. And   You know, I think I was too early to the party, but I thought the market was peaking and I thought I could get the max amount out of my properties. And I think I did at the time. And then we were introduced to syndications and we started really appreciating the fact that you could own a piece of a 350 unit apartment complex in South Carolina or Houston, Texas, or some other growing city and get a couple things, either monthly or quarterly income. You could get bonus depreciation.   And you basically got a K1 at the end of the year, which allows you to claim some of those expenses. And so we love syndications. We try and stack syndications on top of each other. they're coming due. They're selling every three or four or five years. So we'll put an amount of capital in knowing that it's going to turn over in short order. And we'll have another amount of capital to put in. And generally speaking, that capital amount just keeps going up.   So we love syndications. I've been introduced and we haven't pulled the trigger yet, but on ATM tranches where you can buy, have you heard this investment? Yep. So you can buy, you know, an amount of ATM machines where you're basically compensated on whatever the fee revenue on those are. There are many advantages to those. There are some drawbacks to it, but it's again, a passive income stream and one that's fairly consistent.   (Seth Bradley) (24:25.798) yeah, for sure.   (Adam Carroll) (24:44.59) Then I really like intellectual property plays. I will tend to invest in a business that has some IP and it may not cashflow right away, but I know that in two or three years, the IP is probably going to be worth something. It's more of a long-term play for me. I'm not going to put as much in it, but we have a couple of 25 to $50,000 investments in those kinds of deals as well. That, in addition to books and   documentary is still selling and things like that I'll keep doing. For me, the process of creating passive income is kind of a game. And so whatever the next thing is, I'm digging in, I want to learn it. total sidebar, but I'm trying to teach my sons and my daughter, this is the way of the future. It's not about working a nine to five and getting W2 and staying with the company for 30 years, it just doesn't happen anymore. It's about setting up   just perpetual income streams that allow you to live the way you want to live. And that, you know, I think that answers your question, hopefully.   (Seth Bradley) (25:52.174) Pardon the interruption, but we don't do ads. Instead, know that if you're raising capital for real estate, my law firm, RaiseLaw, is here to give you the expert legal guidance you need to raise capital compliantly and structure and close your deal. And if you're looking for a done-for-you fund-to-fund solution, Tribest is the industry's only all-in-one setup and fund administration solution. Visit Raise.Law and Tribest.com to learn more.   Yeah, yeah, that's right. You're preaching to the choir here, man. That's awesome. And you're kind of pretty deep into it. A lot of people will invest in a syndication and it is expensive to get involved, right? I mean, it's 50 grand or so or more to get into one of these things. And they're like, okay, I'm done. But you can't be done. You have to keep saving, keep investing. And you're in it to the point where past investors start really start accumulating wealth because they start stacking.   They start coming due every two, three, four, five years. You put it back in another one and they just compound on each other. And you're really accumulating this tax free if you stack them correctly. So it is an incredible vehicle once you get going. And it does turn into a game. I mean, you can look at your bank account or look at your personal P &L and just see how it's growing over five, 10 years. It's incredible. And you're not doing any work. You're vetting the sponsor, the market and the deal and really just the sponsor once you get really good at it.   and you keep reinvesting with the same sponsors that you like and there's no work involved, no tenants, toilets and trash, none of that.   Yes. Yes. And I think you hit the nail on the head when you find a sponsor you really like and you jive with, it's easy to roll the money over to them because they're constantly looking for the next deal. their reputation, their personality, everything is based on their success. they have a very, very vested interest to make you money. And so I don't think I fully realized when I was younger   (Adam Carroll) (27:50.35) the power of having the ability to write a 50 or $100,000 check. And once you get there and you can do 50 or 100 or get to a point where you can write a $500,000 or a million dollar check, things change drastically because there are syndicators out there that will take a million bucks. They'll pay you $90,000 a year guaranteed on the investment. You'll get bonus depreciation and write-offs and all of that. And you'll have like a...   200 % return on it within four or five years, three, four or five years. That's where you can buy a new car every year or two or three, because you need like a $75,000 or $80,000 write-off to your business. So you need a truck or you need a heavy vehicle,   Yeah, yeah, that's right. I mean, that's a good point. mean, people that have $500,000, a million dollars or more liquid, I mean, you can just look at a simple math and you get an 8 to 10 % return on that in cash flow, just in cash flow. You know, if you're living reasonably, you can live off of that. So, yeah, so you can be, you you don't need $10 million, $20 million to retire off of this if you invest in the right deals.   Totally. Totally.   (Seth Bradley) (29:03.926) and kind of spread it across, diversify in different deals, different sponsors, different geographies, different asset types. You can be retired if you want to. It's closer than people think.   I would agree. We have a theory that nearly everyone and certainly your audience could be free, done, done completely in 10 years or less. Absolutely. We call it a 10-year freedom plan. the challenge, think, Seth, and I would be curious your take on this, but I think the challenge for most people is not necessarily an income problem. It's a liquidity problem. So you make good income, right? And we talked about it. It's the expenses that factors in.   But where the majority of your investments go are probably in qualified funds. They're sitting in 401ks and Roth IRAs. Unless it's self-directed, you can't really access it till you're 59 and a half. And even then it's 59 and a half to 70 and a half, you have free rein access. Otherwise the government's regulating how much you take out without fees or penalties. That's a liquidity problem. And so the shred method takes that into account and starts to build   pockets or buckets of liquidity that you can draw from. The first is your home equity, or it could be equity in a commercial property. And then the next would be building a bank of money that you're borrowing from at some point in time, just another bucket. And the more buckets of money that we create, the more liquidity you have and the more investments you can get into, thereby increasing your passive income. So to your point, you do this well, it's like a video game you can't lose over time.   Yeah, yeah, that's right. And we've been programmed to think if we have a high paying job, we just put as much as we can into a 401k and we're doing the right thing and we're doing everything that we need to do and we're not and then everything that doesn't go into that 401k we're spending. So we're not saving anything else. We're not keeping anything else liquid. And we're just assuming that we're going to be okay because we put this money in the 401k. Well, like you said, you can't access it until you're 60 years old. That's right. Unless you take it out with a major penalty. So   (Seth Bradley) (31:10.062) You know, one way to do that obviously is to roll it over in an SDIRA or self-directed, I'm sorry, 401k, the self-directed, something that you have some control over. And then it does become liquid in the sense that you can at least invest it in things that you want to invest in rather than a financial advisor or just stocks, bonds and mutual funds. And then as you said, there's different ways that you can free up liquidity, a HELOC.   something like that borrow against a life insurance policy we've talked about infinite banking policies things like that there's there's creative ways to do it you just need to be aware of it most people just aren't aware of how to how to do that   Yeah, I think that's what's so valuable about your show too, man, is that we only know what we know. And there's an enormous amount that we don't know we don't know. So when I got introduced to syndications, and I got introduced to the ATM tranches, and I'm looking at these going, you know, there is risk, there's risk in everything. But the risk is so mitigated. And you don't realize that if you're writing $100,000 check, and they're saying, yeah, we're going to pay you 9 % guaranteed.   And these are some syndicators will promise an interest rate based on what class of investor you are, A, B, C, D, whatever it may be. But when I looked at that and I go, if I'm striving to get eight to 10 % in the S &P 500, and I have zero control over that, where would I rather be placing my money? That was something I didn't know I didn't know. And it's always fascinating to me to begin sharing this with people because   When I share the shred method, a lot of folks go, not too good to be true. If it's so good, why isn't everybody doing it? And what I'll tell them is because of human behavior and because the bank's lobbies and their marketing engine is so powerful. But it's not magic, it's math. We're taking mathematical principles, risk-based principles and applying it to real estate or finance and figuring out how to make an amount of money that will supersede what you're.   (Adam Carroll) (33:13.782) your W2 job is pretty simple. That's right. Yeah.   Yeah, pretty simple. It's math. Just got to get it down on paper, right? Yeah. All right. Let's switch gears a little bit. I want to quickly get into, you know, this concept that you preach about building a bigger life at work because I think that's, you know, inspiring and that sort of thing and really life in general, right? Tell us about that concept and kind of dive in a little bit.   Yeah.   (Adam Carroll) (33:37.964) Yeah, you know, this started, it would actually started from a conversation I had with a recent college graduate, and they had gotten an advanced degree, they were going into a high paying job. And I think they'd been at it for maybe nine months or so. And we were having coffee and this person said to me, I'm just not satisfied. And I said, Well, what what is it you're not satisfied with? And they said, Well, the issue is that I thought at this point in time after graduating, he'd be traveling the globe.   You know, that was what he had always romanticized was just tons of travel and do whatever he wanted to do. And I said, well, what's keeping you from that? And he goes, well, you know, I just got into this long-term lease apartment. go, okay. And he said, and I bought a bunch of furniture that I financed. And, and then it's like, okay. He goes, I have a couple of gym memberships, not one, two gym memberships, you know, each probably 80 to 120 bucks a piece a month had a car payment because he needed a fancy car. And I said,   Dude, it sounds to me like you're building a bigger lifestyle, not a bigger life. And what you're asking for is a bigger life. And that became almost a deep dive search for me on what would building a bigger life mean for me and my family. And what I did, Seth, was I started digging into what are my core values? How can I live according to those core values, not according to my neighbor's core values, you who may be drastically different than mine? And...   I ended up writing a book called The Build a Bigger Life Manifesto, which breaks down how do you do this step by step. And there are 10 core tenets. And the first one is you got to build on a strong values foundation, like understanding what is it truly you value in life. And if you're doing more of that, then your life should be fulfilling. And mine are family, freedom, love, growth, and connection. And if I'm fulfilling those five buckets on a weekly basis, generally speaking, I'm really fulfilled.   And so the second is have a bigger vision and a bigger vision for your life might mean I'm not going to stay in this job for the next 20 years and hopefully make partner. then hopefully, because we all know that as you get promoted in a W-2 job, it doesn't mean you work less. It means you work more. And so my bigger vision was I want to make my vocation, my vacation. I'm going to speak, but I'm going to speak in cool places that I can take my family to. People are going to pay me really well to do it.   (Adam Carroll) (36:03.368) and I'm going to do it X number of times a year. And then I started asking, and this is the third step, asking bigger questions. And bigger questions look like, okay, so if I wanted to do that, how would I get better at speaking? How would I get so good that people will pay me 10 or 15 or 20 grand to go do what I do for an hour? What would that look like? I started asking not how would I pay my house off early? How would I pay my house off by the end of this year?   And when I asked that question, answers started coming and we were able to do it. So this is kind of the layout of how we walk people through this process. And for me, a bigger life today is just that, you know, I live for my family. I want to travel with them. I want to have tons of fun with them while they're still in the house. I have two teenagers and one in college. And soon, you know, eventually they'll be gone and it'll be my wife and I going and living the life that we most want.   Our lifestyle right now is pretty locked in. We have a beautiful home, we drive nice cars, but everything's paid for. And at this point, the goal is just to continually create massive passive permanent streams of income that afford us the ability to be generous, to live the life we want. And ultimately for me to be able to go share that message with other people.   And something so simple that you did there, it's just, you know, ask yourself what's important. A lot of us don't take the time to think about why we're upset, why are we not happy. And a lot of it comes down to not filling those buckets that are important to us on a regular basis. to be able to figure that out, you've got to take a few moments to think deeply about what it is that's important to you.   100%. And I'll give you a great example, Seth. One guy that we worked with, he realized that one of his core values that was not being fulfilled was adventure. So he loved his job and he goes, I don't know what it is, I'm just dissatisfied. And we went through the values assessment and adventure was on there. I go, well, where are you getting adventure? And he said, you know, that's the problem. I'm not, I haven't had an adventure in two years. I said, so maybe in building your life,   (Adam Carroll) (38:21.538) we need to figure out where are you carving out adventure for yourself or your family to make sure that you're doing it. For him, community was a big part of it. And he was getting some of that in his day-to-day client interactions. But what he really wanted was to build a community of friends that would go do stuff together. And I said, that's on you, man. If you really want that as part of your life, you got to build whatever that looks like.   And what if you combine that and adventure? So you get a whole group of adventure seekers that get together three times a year to go skiing in Aspen or, you know, go skydiving on a weekend or whatever it is. What would that look like to do that? And he lit up and you know, I could do this right now. So to your point, I think we're all very, very close to having a fulfilled life and building a bigger life. But you do have to take time to figure out what does that look like for you.   For sure, for sure. And a lot of the folks listening are attorneys and doctors and they tend to have high suicide rates, all these crazy things, substance abuse. people from the outside looking in think, why? Because you're making all this money. You have this high profession that everybody looks up to and you're not unhappy. And that's why, because those folks...   folks like us, we're just really focused on just that occupation. And that's it. And we don't focus on some of the other things that would fulfill us and make us happy. tons of attorneys I talk to try to get, they're like, how do I start investing as quickly as possible? Make as much money as quickly as possible so I can get out of this job because I hate being an attorney or I hate being a dentist or whatever it is. But really, that might not be the issue. The issue is that you're not filling up those buckets outside of your   career. And if you were to start filling those buckets, start paying more attention to those things, you might not be as unhappy in your career. And you might actually find that you enjoy what you're doing because you're good at it. You worked really hard to get there and you're making a good bit of money doing it.   (Adam Carroll) (40:22.06) No doubt, no doubt. I would add to that, that I think the majority of professions that you just listed, dentists, doctors, lawyers, et cetera, what they really want is they want to maintain professional status, do what they do, they've gone to school, they've learned how to do it. But over time, they want to work less and less, not more and more. And if you're doing what you recommend on the show, and if you're leveraging something like the shred method to create it, you can get to a point where   half or more of your income, ideally all of it, is replaced by passive income. But it requires that you get really focused on working for the right reasons and not filling in the lack of fulfillment or unhappiness with a new car or the next do-dad or spending a fortune on something. Instead, decide, I'm going to go get into an investment this year that will begin the process of creating passive income for me to start building the life that I truly want.   And it is, it's pretty transformational once you figure out how to do it and what the next steps are.   Yeah, it's like the matrix. mean, you start kind of, as soon as you start, it becomes a game, how you said it earlier in the show, and you just start seeing things that you didn't see before. You start being presented with new types of investments and businesses that you can invest in that you never saw before, but they were right under your nose. It does turn into a fun game, a money game.   Yeah, no question. I was at a conference not too long ago and they were calling me Morpheus because I made a reference to the red pill or the blue pill. And they were like, dude, you're Morpheus. I just took the red pill. Now I'm going down the rabbit hole. So beware. Are you ready to take the red pill?   (Seth Bradley) (42:08.374) Love that, love that. All right Adam, before we jump into the freedom four, what's one last golden nugget for our listeners?   A golden nugget for your listeners is that money today is abstract. It's not a concrete thing. Several decades ago, you would be given cash or you'd pay for things in cash. And today, virtually everything is a cashless transaction. And when we're not using cash, it doesn't feel real. If we're using Apple Pay or we're swiping our card or tapping our card,   It doesn't feel real. In fact, there's no pain sensor that triggers when you do that. The opposite is true on Amazon. When you hit one click ship for $47, a pleasure sensor actually is activated because you're in anticipation of that thing coming to you. So we also have to realize that the more money you make, it feels like, well, the more you have to spend. But because money doesn't feel real, you're spending way more than you think you are.   because of the abstract nature of it. So some of that is like reigning back in and understanding these are real dollars that you're putting on a card or swiping on your phone or whatever it may be and deciding is this the best intentional use of this money or could I be using it to build the life that I truly want? And I will add to that Seth that it's very short. There's a short amount of time that it requires you to function just a little bit differently.   order to get there where all the passive income covers your wants. So just like intentionality for the next 12 to 24 months will make a massive difference in your life.   (Seth Bradley) (43:48.502) Yeah, that's all it takes. All right, let's jump into the freedom four. What's the best thing you do to keep your mind and body healthy?   I am part of an exercise group called F3 and it stands for fitness fellowship and faith. There's like 75,000 guys all over the world that do this every morning. And we get up, you know, rain, sun, sleet or hail. I mean, we were working out in like eight degree Fahrenheit weather this winter outside. It's always outside. And I love it. I do it four or five, sometimes six mornings a week. But for me, just getting up the first hour of my day will   will dictate what the rest of my day does. And so my F3 brothers and I, that's the right way for me to get started.   awesome. With all your success what is one limiting belief that you've crushed along the way and how did you get past it?   you know, this is, this is going to sound a bit like an oxymoron statement, but a limiting belief is that, man, there's so much opportunity. And for me, I'm a bright, shiny object guy. for years, my wife was like, just pick one opportunity, please just pick one. And so for me, it's, you know, it's the fact that there is so much I can do limits me because you can really get very, very good at one thing.   (Adam Carroll) (45:08.078) But I'm a big fan of James Clear and the book Atomic Habits. And he'll say that it's hard to get traction when your focus is divided. And so I've been really intentional about zeroing in on my focus and knowing that this is what I'm setting out to do. And it may be for 12 months or 24 months or five years. And I'll reevaluate along the way. But I've got one thing and I'm really focused on that. So that's been a limiting belief I've had to get over.   Awesome. Awesome. What's one actionable step our listeners can do right now to start creating more freedom?   Well, go to the shredmethod.com not to do a self plug, it is. Go watch the masterclass, see what we do and how we do it. If you are already intrigued by this and are wondering like, what should I do with a HELOC or should I have a HELOC? My answer to everyone is everyone should have a HELOC, everyone. If you have equity in your home, why do you not have a line of credit? If for nothing else to have that is an emergency.   of some kind. So point blank, the first thing you ought to do is go access a line of credit, be it a home equity line, a personal line of credit, a P lock, or a B lock, a business line of credit. can also do a cash value line of credit. But I think you got to have one of those because when you understand this method, this process, that's a linchpin to making this work.   Great. How is passive income made your life better?   (Adam Carroll) (46:42.698) you know, I like to call it mailbox money and, man, love mailbox money. When it shows up, I celebrate and I've, I've had a mantra for years that I'm a money magnet, that money comes easily and frequently, that I get more checks in the mail than I do bills. And I just repeat those mantras over and over again. So every time I set up another form of passive income, man, it's just like a win.   that you feel deep down inside. And it doesn't matter, Seth, if it's 50 bucks or 15 bucks or five bucks or 5,000, right? Total sidebar, real quick story, but I was sitting with a buddy of mine at a conference and he kept showing me his phone and he was clearly showing off. But every time he'd pop up his phone, was like another sale was made. And it'd be like $27, $170, $300. And I go...   Dude, how are you doing this?" And he said, I set up these funnels and it's just a little digital product I created and we're doing ads and we're putting all the people towards these ads. And I said, so how many of those do get a month? He goes, I don't somewhere between $9,000 and $10,000 a month is coming in. And I remember feeling giddy for him and giddy about the idea that this could be possible, that you could just do whatever you want to do every day. Go fishing, go surfing, be on a sailboat somewhere and pull up your phone and be like, well, this is cool. just made...   $800. So for me, we have started to build that into what we're doing. I now get alerts on my Apple Watch. It's a Slackbot. So every time a sale is made, it pops up. we went to Mexico over spring break and the vendors on the Mexican beaches, they bless themselves every time they make a sale. And so now when a sale pops up on my Slackbot,   I'm like, all right, I made a sale. This is awesome. So how has it changed my life? I'm more grateful. I sleep well at night. I have peace of mind. And I know that, you know, future generations are going to be taken care of by the wealth that my wife and I are creating.   (Seth Bradley) (48:45.29) I love it, All right, Adam, this has been incredible. We're going to let listeners find out more about you.   Well, you can find out more about me personally at adamcarroll.info. It's two R's, two L's, adamcarroll.info. And again, if you want to check out the Shred Method, we have lots of free resources. So you can go and do a ton of research. We have a savings analysis there that you can plug in your numbers and see how much you could save and how quickly you could be out of debt. All of that is available at theshredmethod.com.   All right, brother. Appreciate your time. Thanks again for coming on the show and we'll to have you on again soon.   Love it, Seth. Keep doing what you do, man. This is super important stuff.   Alright brother, talk soon.   (Seth Bradley) (49:28.578) Thanks for tuning in to Raise the Bar Radio. If you enjoyed today's episode, make sure to subscribe, leave a review, and share it with someone who needs to hear it. Keep pushing, keep building, and keep raising the bar. Until next time, enjoy the journey. Links from the Show and Guest Info and Links: Seth Bradley's Links: https://x.com/sethbradleyesq https://www.youtube.com/@sethbradleyesq www.facebook.com/sethbradleyesq https://www.threads.com/@sethbradleyesq https://www.instagram.com/sethbradleyesq/ https://www.linkedin.com/in/sethbradleyesq/ https://passiveincomeattorney.com/seth-bradley/ https://www.biggerpockets.com/users/sethbradleyesq https://medium.com/@sethbradleyesq https://www.tiktok.com/@sethbradleyesq?lang=en Adam Carroll's Links: https://www.threads.com/@adam.carroll/ https://www.instagram.com/adam.carroll/ https://www.linkedin.com/in/adamcarrollspeaks/ https://www.facebook.com/AdamSpeaks/ https://x.com/adamcarroll https://open.spotify.com/show/1fPEUnWdnbcOcbYdksY1Yi https://www.youtube.com/channel/UCJREGkPP6UwMucJMPvDS8xg

Title: Build a Bigger Life, Not a Bigger Lifestyle: The Real Path to Freedom with Adam Caroll Summary: In this episode of Raise the Bar Radio, guest (Adam Carroll) shares his journey from a traveling professional speaker to building sustainable wealth through passive income strategies. After realizing the limitations of trading time for money, Adam developed The Shred Method, a cashflow reorientation system that minimizes debt interest and frees up capital to build liquidity and invest. By leveraging lines of credit and algorithm-driven cash deployment, individuals can rapidly pay down debts and reallocate savings into passive income streams like real estate syndications, intellectual property, and other alternative investments. Adam stresses that most high-income earners don't have an income problem - they have a liquidity problem tied up in low-access retirement plans and excessive spending. Finally, he expands on his philosophy of "building a bigger life, not a bigger lifestyle," urging professionals to align spending and time with their values to achieve fulfillment and financial freedom within 10 years. Links to Watch and Subscribe:   Bullet Point Highlights: Trading time for money is limiting. Adam shifted from paid speaking gigs to building passive income streams for true freedom. The Shred Method minimizes interest expenses. By using cashflow more efficiently through lines of credit and optimized algorithms, debt is paid down faster, freeing liquidity for investing. Passive income is key to wealth. Adam focuses on real estate syndications, ATM tranches, intellectual property, and digital products to generate consistent, diversified passive cash flow. Most people have a liquidity problem, not an income problem. Money is often locked in 401(k)s or spent wastefully — instead, creating accessible liquidity allows for opportunity-based investing. Building a bigger life requires intentionality. Aligning spending and actions with core values (like family, freedom, growth) leads to fulfillment — not just more stuff. The game becomes fun. Once passive income starts flowing, investing becomes strategic, diversified, and compounding — eventually replacing active income and creating financial independence. Anyone can implement this. While you can DIY, Adam recommends coaching to fast-track understanding and execution of the Shred Method. Transcript: (Seth Bradley) (00:02.094) What's up, Builders? This is Raise the Bar Radio, where we talk about building wealth, raising capital, and all in all, raising the bar in your business and your life. This is the No BS podcast for capital raisers, investors, and entrepreneurs who are serious about scaling their business and living life on their own terms. I'm (Seth Bradley), securities attorney, real estate investor, and entrepreneur, bringing you world-class strategies from the best in the game.   If you're ready to raise more capital, close bigger deals, build a better you and create true financial freedom, you're in the right place. Let's go. Adam, what's going on, brother? Welcome to the show.   Hey Seth, thanks for having me, man. I'm excited about our conversation today.   Yeah, dude, super stoked to have you on today. It's going to be an awesome show, man. Let's dive right in. Tell us a little bit about yourself, your background. Take it back as far as you want to. Yeah.   Well, for the last 15 years or so, almost 20 now, guess, I've been making my living, opening my mouth and just speaking on stages all across the country. Had the opportunity to do a couple of international gigs, which was a blast. And in the midst of all that, making my living as a professional speaker, I realized that if I was very similar to your audience, if I wasn't doing the deal, doing the gig, doing the engagement, I wasn't getting paid.   (Adam Carroll) (01:26.184) And so a mentor of mine said, the goal is not to go to work and get paid. The goal is to go to work and get paid, get paid, get paid, get paid, get paid, get paid, get paid. And so I started figuring out that what I really wanted to do with the messaging that I was delivering was turn it into sort of a mediapreneurship where I was a mediapreneur creating content, but then I'd get paid for the content over and over and over again. And that today looks like I've written a bunch of books.   I've got a documentary that I produced that aired on CNBC. And now we're starting to get into more of a SaaS business, which I'm sure we'll talk about. That's the shred method. But I, you what I do when people ask me, I tell them, I love to educate people about new and different ways of building a bigger life, not a bigger lifestyle. And I would say you and I have that in common, because I know you're doing that on the show.   Yeah, absolutely, man. I gotta ask, how do you become a professional speaker? I bet a lot of people are thinking about that.   The origin story is kind of interesting because I was a clothier at the time in Denver, Colorado. And I was literally going out and meeting with high level executives in their offices, selling them custom made suits and shirts and sport coats and pants and whatnot. And it occurred to me in the middle of a meeting at one point, an appointment with one of my clients that I didn't want to measure in seams for the rest of my life. And I'll keep it PG but   This guy was one of my favorite clients. He was irreverent and funny and wasn't afraid to spend money on clothes. But this particular day, he confided in me that he wasn't wearing any underwear. And I was just like, dude, JP, what? You knew I was coming here today. He's like, I know, I just forgot. I'm sorry. I'm sorry. And I walked out and I went, I don't want to do this anymore. I just don't want to do this. And the company that I worked for is a fairly well known clothier. But   (Adam Carroll) (03:22.55) Every day I would drive around in my car listening to motivational messages. You know, they were on CDs at the time. I'm going to date myself, but I would listen to like Mark Victor Hansen and Jack Canfield and Les Brown and Zig Ziglar. I would listen to all these CDs in my car. And Mark Victor Hansen said on one of the CDs that public speaking is one of the most noble professions because you get to travel the world. You get to change people's lives and you make a lot of money doing it. And I remember thinking.   That's what I want to do. All three of those things rolled into one. And so I reached out to a buddy of mine and said, dude, I don't think I'm in the right job. I need to be doing something else. He said, what do you want to do? And I told him, and you know how the universe kind of works in mysterious ways. He goes, well, Anne, who used to work with us, she works for a company that that's all they do is hire speakers. And so I sent in a tape, I auditioned, I got the gig.   And I was a W2 employee of theirs for about two years and then realized that I was being underpaid for the work I was doing, that I was actually probably one of the top 10 % of speakers on the roster. And then I realized that when you can make anywhere from a thousand to $5,000 an hour doing that, it was a pretty good paying gig if you were out on your own. I took the jump and have been doing it ever since.   Interesting man. I didn't realize that you could have a W-2 as a speaker I thought everybody that was speaking was getting the speakers that were getting paid, you know They were kind of doing it on their own. I don't realize there was kind of a there was a way to do it where there's a company that pays W-2 wages to speakers to speak it events. Yeah, it's interesting   It is interesting because there are companies that will hire you as a speaker to go and it may be sell their product or service. Or in this case, I was working for a company that was a division of monster.com, the job search company. And I was, I was speaking to high school and college students all across the country. And I probably presented to like 200,000 people in, two years time. So it was just a great practice run and a great way to cut my teeth on a very difficult audience. Because.   (Adam Carroll) (05:36.814) I don't know if you've ever been around a freshman in high school or a sophomore in high school, but they're like the most apathetic human beings on the face of earth. They don't want to be there. I could have lit myself on fire and they'd been like, cool, what else you got? And then when I realized that there were speakers like me that were out who basically just said, this is my topic. This is my specialty, if you will. And here's the rate. And the more they spoke and the...   we have a theory that the more you speak, the more you speak. So once you get out, you hang your own shingle and say, I'm a speaker in this topic, people begin to know you as that person. And then word gets around and obviously you have to not suck on stage. That's part of it. But if you're great at keeping audiences attention, and I really studied NLP, neuro-linguistic programming to use the right words, I studied comedians to figure out what was funny and what wasn't, and it just worked.   Over time, I had more more bookings and at the peak of my career, I was doing like 70 or 75 gigs a year.   Wow, wow, that's incredible. Definitely didn't realize that was your background. I remember those folks coming to like the office and selling suits and doing that sort of thing. So that's pretty interesting. I'm sure a lot of listeners out there are familiar with that process as well.   Yeah. Yeah, it was, it was a great, it was a great gig. mean, I met all sorts of really phenomenal business people. And I think for me, it was, it was like confirmation that I had this desire to, to impact people. And my boss at one point, he was like, Hey, these people love you. They want you to come around. They love the discussion and the conversation. They need to buy stuff from you. And, and there was a.   (Seth Bradley) (07:01.639) sorry, go ahead.   (Adam Carroll) (07:26.574) It's kind of a realization for me that I didn't necessarily want to have to sell. wanted people to buy. And speaking makes it real easy to do that.   Hmm. Yeah, makes sense. Let's jump right into it, man. Let's talk about the shred method. A lot of folks will find this very interesting. I know that I do. What is it? And let's just start there. What is it? Tell us a little bit about it.   Yeah, the shred method, first of all, thank you for asking. it's, it's, for me, I don't say this lightly, but nothing has built more wealth for me and my family than following this model. And the reason for it is there are two great expenses that everyone has in life. And I'm sure all of your listeners, be they attorneys, doctors, other professionally degreed folks.   If you're in a W-2 job, you know this to be true. The two greatest expenses we have in life are taxes and the interest expense on debt. Those are the two greatest expenses. And a gentleman that I had met years ago who helped me with tax situations, just a brilliant, brilliant strategist, he said, Adam, if you focus on minimizing your tax liability, that will get you halfway there. And it's very easy to do, buy real estate, have depreciable assets.   you know, make personal expenses, business expenses, etc, etc. But he said, if you can focus on minimizing the interest expense on debt, this is like a video game that you can't lose. And so when I learned about the shred method, and this is known by a variety of different terms, some people call it an Australian mortgage, it's called velocity banking, we've taken those concepts and turbocharged them.   (Adam Carroll) (09:09.474) almost like putting nitrous oxide in a gas tank, you know, in terms of making it go faster. But the shred method is a unique tool and a way of reorienting your cash flow through your household so that it is being used to the most efficient use possible. And to kind of qualify that, Seth, if you were to leave your home in the morning to go to the grocery store, as an example, and you came back home, emptied the car out,   knowing you had to go to post office at like 4 p.m., would you leave your car idling in the driveway all day?   (Adam Carroll) (09:46.284) Nope. No, and why wouldn't you?   Wasteful.   Yeah, wasteful, you'd burn gas, it'd be hard on the engine. It's just inefficient, right? And yet what most people do is they get their income, their income gets deposited into a checking account, and it sits there for days, weeks, months, sometimes years on end. And we never really use it to its highest efficiency. Meanwhile, we might have debts, commercial debts, primary mortgages, might have student loans yet. And all of those are accruing amortized interest.   right? And you might say it's compound interest working against you to a certain extent. But at the very least amortized interest means that the majority of the interest you're paying on that debt is upfront, it's in the first one to five years. And so the shred method teaches people how to take that income that is being super inefficient in an account, and instead begin to apply it through a process that allows you to blast away   the highest interest or highest payment debts that you have, freeing up cash flow, building equity, and ultimately, and this is the key, creating liquidity to go buy passive income properties, if you will, or other passive income plays.   (Seth Bradley) (11:02.058) Interesting. Yeah, and we actually haven't had anyone on the show to speak about this method, whatever nomenclature you might use. So let's go in a little bit more detail. mean, what is the vehicle? What is this flow of money that you're talking about?   So, know, logistically, here's how it works. Money typically would just get deposited into checking. You pay everything out of checking your mortgage, your car loan, your credit cards, living expenses. And the gurus would tell you that anything extra should really go towards savings and investments, right? And for most people, it goes to Costco, Target and Dining Out. That's where it goes. You know, it doesn't stay in the account, doesn't go into savings. If it does, it goes there for a small period of time. I think that most people   don't really have a savings account, they have a put and take account, because they put a little bit in, take a little bit out, put a little bit in, take a lot out. So the way this works is the money instead of being deposited straight to a checking account gets deposited into what we call a shred account. And the shred account could either be a line of credit, or it could be just a side account of money that you have sitting there that has not been accessed in some time. And what we tell our users is that   you really want to have either a line of credit or a shred account that is one and a half to two times what your monthly net take home is. So if you're bringing home 10 grand a month net, then ideally you want either a line of credit or a shred account of 15 to 20 grand. And the magic of this is the money is going to flow into that account. But the shred method is powered by a piece of software that is based on an algorithm that's tracking your income.   your expenses, the interest that you're paying on all your debts, and how much discretionary money you have available at any given point in time. And essentially, we're leveraging that in really short bursts of time against your largest debts, which could be, again, student loans, could be your mortgage, could be commercial properties. And in doing that, what we're doing is we're saving copious amounts of interest, like literally tens to hundreds of thousands of dollars.   (Adam Carroll) (13:11.122) And in the process, we're freeing up a ton of equity. So people that are saying, hey, I'm paycheck to paycheck. It's hard for me to figure out how am I going to invest more money? We're telling them the money is going to come from the equity that you're creating in your properties by paying them down rapidly.   I love that because I can see where this is going to potentially free up some extra cash to invest. A lot of folks out there, including myself back in the day, we got caught up in this thing we call the golden handcuffs where we're just spending everything. Like you said, we're spending it on Target, on eating out, on things that we really don't need. mean, there's a time and place for spending money on having a good time and enjoying your life for sure.   But we just we tend to overdo it as our income grows our expenses grow right along with it And a lot of people that I talked to about investing they're like, you know I don't have fifty thousand dollars to invest in this real estate deal or a hundred thousand dollars in this real estate deal and it's like well Well, why don't you you know make three hundred thousand dollars you why don't you have fifty thousand dollars to invest in this awesome deal? Right or to you know, put aside for your emergency fund. Like why don't you have these things set up?   So, you know, we always have to walk them through, you know, the expenses is the issue. Really, it's what are you spending all this money on? we try to find how they can save on those expenses so that they can invest in these assets that are really going to set them financially free.   No doubt. And I think you hit the nail on the head. If somebody's making, and honestly, I tell people if you're making six figures plus $100,000 plus, and you don't have 10, 20, $50,000 ready to go, there's something fundamentally wrong. And here it is, we're sending too much money to our banker, and it just goes up in smoke. Right? We like to refer to it as the interest to income ratio, which is if you take how much income you make,   (Adam Carroll) (15:11.694) and you back out how much of that income is actually going to pay interest expense, it'll probably blow your mind. If someone's got a multi-six figure home or mortgage that they're paying on, and they've got student loans, and maybe they're driving a $50,000 to $100,000 vehicle with a payment attached to it, you're probably burning 50 to 60 grand a year in interest and not really thinking twice about it. So what this does is it starts to claw back some of the money that you're sending to your banker.   Which by the way, they make plenty of money. They don't need your money. That is the most profitable business out there is banking and lending. mean, literally, Seth, if you drive two miles around your property there, how many banks would you be able to stop at, do you think? Ballpark best guess.   Right, half a dozen.   Easily, right? And they're probably $10 million buildings minimum. Out there, they're even more, right? So, so this is the deal. They're profitable business ventures. And what we have to remember sometimes is we are their compound interest vehicle, right? Us making our payment every single month is what makes the banks all the money. And if we can game that system, if even for 12 to 18 months at the very beginning of our debt,   we can strip away a huge chunk of the interest that we would normally be paying them over the course of a decade or more. To your audience, that's how I'd say this is how you find the extra 50 or 100 grand because you do have it and it should be in the equity of your property and easily accessible as a liquidity tool. It just isn't because you haven't challenged the banking system.   (Seth Bradley) (16:57.073) Yeah. Now, is this something you can set up yourself or is this something that you need an expert to kind of walk you through? I'm sure if you could probably do it either way. It's just like anything else. You want to take the shortcut or not. But yeah, I just like to know your thoughts on that.   You're exactly right. I I could build a deck on my house if I wanted to and had three months to learn how to do it. Anybody can learn how to do this. My question to most people when they say, I do this myself? I'll say, yes, why haven't you? And for that, the investment with us is very minimal, mainly what it is is coaching and being able to help people get the logistics right. Because once they get it, it's very simple.   but there requires a little bit of retraining the brain in terms of how to handle your money and where the cash flow goes, because it's so, it's like so ingrained in us to live in the banker's business model, put money in checking, pay your bills, anything leftover goes over here. And if you look at it critically, the two groups that are really making money using the existing platform are bankers,   and any advisors that are accepting your money and then turning around and doing something with it. A friend of mine used to call it the helper class. So when the helper class has your money, they're making a ton of money, probably more than you are. And that's our goal is to begin to start to pull back some of the money from the helper class to keep it for ourselves to build those massive passive permanent streams of income.   Yeah, yeah, that makes sense. We tend to bash a few of those helper class folks. I mean, they're not all created equal, including some financial advisors and folks like that that, you know, they're okay people, but their interests aren't necessarily aligned with yours.   (Adam Carroll) (18:51.576) That's right. I would agree with that. I don't want to villainize them, but I think that personal finance is personal. The challenge that I have with anyone out there who espouses a certain way, mine included, is it has to be for the right kind of audience, the right avatar. From our perspective, the people that we help out are the ones who do want to break free from the W-2. They want to create massive passive permanent streams of income.   Over time, they'd like to build a bigger life, not a bigger lifestyle. So if someone's chronically overspending, got to have the newest of the new every single time, they may not be a perfect fit with our strategy because the goal is to continually increase your income while either keeping your expenses similar or even trending down over time, which is not to say that you can't expand where you're spending. Your income is increasing exponentially relative to your expenses.   we do that through the model that we're teaching people. So, you if you're a new car every six months or 12 months kind of person may not be a perfect fit. But if you're somebody who's like, hey, the debt's kind of oppressive, I want to get rid of it. And I want to build, you know, massive wealth for future generations, then generally speaking, we're a pretty good fit for for those folks.   Yeah, yeah, that makes a lot of sense. And I feel like there's, there's probably, it's probably a math equation, right? Like we can't necessarily do it on this show because it's, everybody's taking it in by audio for the most part. there's gotta be an algorithm and you could probably, you know, set those expense numbers and interest numbers that you're paying on your mortgage and other debts and what you're going to pay on that through the shred method and kind of see the savings and how you can grow that wealth year over year.   You're exactly right. It is super fluid. So if your income changes, your expenses change, we plug all that data in and hit recalculate and the thing automatically adjusts to whatever your expenses are. So one of the things that I would never fault anyone for is taking awesome vacations or buying a new car, whatever your choice is. Again, we're not going to villainize anyone for living their life.   (Adam Carroll) (21:06.67) But what we can do through shred is to say, hey, if you're going to drop 10 grand on a vacation, it's going to change your payoff by a month or two months or six months, depending on your income and discretionary income. And if someone knows that and they're planning on it, at least they're armed with that information as opposed to, gosh, we shouldn't do this, but we did or should we buy this $50,000 card? Does it make sense? Or 80 or 150 or whatever your number is.   We can show you exactly do it, just know this is what it changes in the process.   Yeah, yeah, I like that because you can just show them this is the impact it's going to have on paper before they do it and then you can make a better decision on whether or not you want to do that or not.   Absolutely. And furthermore, and you'll appreciate this, I know you're of this mindset, you'll get to a point where it's like, if you want the new car, then invest the money in a syndication or another property that puts enough money in your pocket, you can go pay for the car. But let your assets pay for your liabilities. And I think that's the main thing that many people, I'm sure your listeners, certainly folks that we engage with.   They don't have a lot of assets. They work hard, they make good money, but that is the sum total of their income, is active income. And our goal is to increase passive income over time where it supersedes your expenses because at that point you're financially free.   (Seth Bradley) (22:36.758) Right, right. What are some of the passive investments that you're involved in or that you recommend to people once they've implemented this system and they're trying to build those passive income streams?   Yeah, there are a number of them and I keep getting introduced to more and more all the time, Seth. I mentioned that, you know, that I was a mediapreneur and that the goal was to work, do the work and then get paid, get paid, get paid, get paid. So I started looking for other passive income streams. I really do love real estate. I've been invested in real estate for a long time. We divested of personally held real estate about four or five years ago. And   You know, I think I was too early to the party, but I thought the market was peaking and I thought I could get the max amount out of my properties. And I think I did at the time. And then we were introduced to syndications and we started really appreciating the fact that you could own a piece of a 350 unit apartment complex in South Carolina or Houston, Texas, or some other growing city and get a couple things, either monthly or quarterly income. You could get bonus depreciation.   And you basically got a K1 at the end of the year, which allows you to claim some of those expenses. And so we love syndications. We try and stack syndications on top of each other. they're coming due. They're selling every three or four or five years. So we'll put an amount of capital in knowing that it's going to turn over in short order. And we'll have another amount of capital to put in. And generally speaking, that capital amount just keeps going up.   So we love syndications. I've been introduced and we haven't pulled the trigger yet, but on ATM tranches where you can buy, have you heard this investment? Yep. So you can buy, you know, an amount of ATM machines where you're basically compensated on whatever the fee revenue on those are. There are many advantages to those. There are some drawbacks to it, but it's again, a passive income stream and one that's fairly consistent.   (Seth Bradley) (24:25.798) yeah, for sure.   (Adam Carroll) (24:44.59) Then I really like intellectual property plays. I will tend to invest in a business that has some IP and it may not cashflow right away, but I know that in two or three years, the IP is probably going to be worth something. It's more of a long-term play for me. I'm not going to put as much in it, but we have a couple of 25 to $50,000 investments in those kinds of deals as well. That, in addition to books and   documentary is still selling and things like that I'll keep doing. For me, the process of creating passive income is kind of a game. And so whatever the next thing is, I'm digging in, I want to learn it. total sidebar, but I'm trying to teach my sons and my daughter, this is the way of the future. It's not about working a nine to five and getting W2 and staying with the company for 30 years, it just doesn't happen anymore. It's about setting up   just perpetual income streams that allow you to live the way you want to live. And that, you know, I think that answers your question, hopefully.   (Seth Bradley) (25:52.174) Pardon the interruption, but we don't do ads. Instead, know that if you're raising capital for real estate, my law firm, RaiseLaw, is here to give you the expert legal guidance you need to raise capital compliantly and structure and close your deal. And if you're looking for a done-for-you fund-to-fund solution, Tribest is the industry's only all-in-one setup and fund administration solution. Visit Raise.Law and Tribest.com to learn more.   Yeah, yeah, that's right. You're preaching to the choir here, man. That's awesome. And you're kind of pretty deep into it. A lot of people will invest in a syndication and it is expensive to get involved, right? I mean, it's 50 grand or so or more to get into one of these things. And they're like, okay, I'm done. But you can't be done. You have to keep saving, keep investing. And you're in it to the point where past investors start really start accumulating wealth because they start stacking.   They start coming due every two, three, four, five years. You put it back in another one and they just compound on each other. And you're really accumulating this tax free if you stack them correctly. So it is an incredible vehicle once you get going. And it does turn into a game. I mean, you can look at your bank account or look at your personal P &L and just see how it's growing over five, 10 years. It's incredible. And you're not doing any work. You're vetting the sponsor, the market and the deal and really just the sponsor once you get really good at it.   and you keep reinvesting with the same sponsors that you like and there's no work involved, no tenants, toilets and trash, none of that.   Yes. Yes. And I think you hit the nail on the head when you find a sponsor you really like and you jive with, it's easy to roll the money over to them because they're constantly looking for the next deal. their reputation, their personality, everything is based on their success. they have a very, very vested interest to make you money. And so I don't think I fully realized when I was younger   (Adam Carroll) (27:50.35) the power of having the ability to write a 50 or $100,000 check. And once you get there and you can do 50 or 100 or get to a point where you can write a $500,000 or a million dollar check, things change drastically because there are syndicators out there that will take a million bucks. They'll pay you $90,000 a year guaranteed on the investment. You'll get bonus depreciation and write-offs and all of that. And you'll have like a...   200 % return on it within four or five years, three, four or five years. That's where you can buy a new car every year or two or three, because you need like a $75,000 or $80,000 write-off to your business. So you need a truck or you need a heavy vehicle,   Yeah, yeah, that's right. I mean, that's a good point. mean, people that have $500,000, a million dollars or more liquid, I mean, you can just look at a simple math and you get an 8 to 10 % return on that in cash flow, just in cash flow. You know, if you're living reasonably, you can live off of that. So, yeah, so you can be, you you don't need $10 million, $20 million to retire off of this if you invest in the right deals.   Totally. Totally.   (Seth Bradley) (29:03.926) and kind of spread it across, diversify in different deals, different sponsors, different geographies, different asset types. You can be retired if you want to. It's closer than people think.   I would agree. We have a theory that nearly everyone and certainly your audience could be free, done, done completely in 10 years or less. Absolutely. We call it a 10-year freedom plan. the challenge, think, Seth, and I would be curious your take on this, but I think the challenge for most people is not necessarily an income problem. It's a liquidity problem. So you make good income, right? And we talked about it. It's the expenses that factors in.   But where the majority of your investments go are probably in qualified funds. They're sitting in 401ks and Roth IRAs. Unless it's self-directed, you can't really access it till you're 59 and a half. And even then it's 59 and a half to 70 and a half, you have free rein access. Otherwise the government's regulating how much you take out without fees or penalties. That's a liquidity problem. And so the shred method takes that into account and starts to build   pockets or buckets of liquidity that you can draw from. The first is your home equity, or it could be equity in a commercial property. And then the next would be building a bank of money that you're borrowing from at some point in time, just another bucket. And the more buckets of money that we create, the more liquidity you have and the more investments you can get into, thereby increasing your passive income. So to your point, you do this well, it's like a video game you can't lose over time.   Yeah, yeah, that's right. And we've been programmed to think if we have a high paying job, we just put as much as we can into a 401k and we're doing the right thing and we're doing everything that we need to do and we're not and then everything that doesn't go into that 401k we're spending. So we're not saving anything else. We're not keeping anything else liquid. And we're just assuming that we're going to be okay because we put this money in the 401k. Well, like you said, you can't access it until you're 60 years old. That's right. Unless you take it out with a major penalty. So   (Seth Bradley) (31:10.062) You know, one way to do that obviously is to roll it over in an SDIRA or self-directed, I'm sorry, 401k, the self-directed, something that you have some control over. And then it does become liquid in the sense that you can at least invest it in things that you want to invest in rather than a financial advisor or just stocks, bonds and mutual funds. And then as you said, there's different ways that you can free up liquidity, a HELOC.   something like that borrow against a life insurance policy we've talked about infinite banking policies things like that there's there's creative ways to do it you just need to be aware of it most people just aren't aware of how to how to do that   Yeah, I think that's what's so valuable about your show too, man, is that we only know what we know. And there's an enormous amount that we don't know we don't know. So when I got introduced to syndications, and I got introduced to the ATM tranches, and I'm looking at these going, you know, there is risk, there's risk in everything. But the risk is so mitigated. And you don't realize that if you're writing $100,000 check, and they're saying, yeah, we're going to pay you 9 % guaranteed.   And these are some syndicators will promise an interest rate based on what class of investor you are, A, B, C, D, whatever it may be. But when I looked at that and I go, if I'm striving to get eight to 10 % in the S &P 500, and I have zero control over that, where would I rather be placing my money? That was something I didn't know I didn't know. And it's always fascinating to me to begin sharing this with people because   When I share the shred method, a lot of folks go, not too good to be true. If it's so good, why isn't everybody doing it? And what I'll tell them is because of human behavior and because the bank's lobbies and their marketing engine is so powerful. But it's not magic, it's math. We're taking mathematical principles, risk-based principles and applying it to real estate or finance and figuring out how to make an amount of money that will supersede what you're.   (Adam Carroll) (33:13.782) your W2 job is pretty simple. That's right. Yeah.   Yeah, pretty simple. It's math. Just got to get it down on paper, right? Yeah. All right. Let's switch gears a little bit. I want to quickly get into, you know, this concept that you preach about building a bigger life at work because I think that's, you know, inspiring and that sort of thing and really life in general, right? Tell us about that concept and kind of dive in a little bit.   Yeah.   (Adam Carroll) (33:37.964) Yeah, you know, this started, it would actually started from a conversation I had with a recent college graduate, and they had gotten an advanced degree, they were going into a high paying job. And I think they'd been at it for maybe nine months or so. And we were having coffee and this person said to me, I'm just not satisfied. And I said, Well, what what is it you're not satisfied with? And they said, Well, the issue is that I thought at this point in time after graduating, he'd be traveling the globe.   You know, that was what he had always romanticized was just tons of travel and do whatever he wanted to do. And I said, well, what's keeping you from that? And he goes, well, you know, I just got into this long-term lease apartment. go, okay. And he said, and I bought a bunch of furniture that I financed. And, and then it's like, okay. He goes, I have a couple of gym memberships, not one, two gym memberships, you know, each probably 80 to 120 bucks a piece a month had a car payment because he needed a fancy car. And I said,   Dude, it sounds to me like you're building a bigger lifestyle, not a bigger life. And what you're asking for is a bigger life. And that became almost a deep dive search for me on what would building a bigger life mean for me and my family. And what I did, Seth, was I started digging into what are my core values? How can I live according to those core values, not according to my neighbor's core values, you who may be drastically different than mine? And...   I ended up writing a book called The Build a Bigger Life Manifesto, which breaks down how do you do this step by step. And there are 10 core tenets. And the first one is you got to build on a strong values foundation, like understanding what is it truly you value in life. And if you're doing more of that, then your life should be fulfilling. And mine are family, freedom, love, growth, and connection. And if I'm fulfilling those five buckets on a weekly basis, generally speaking, I'm really fulfilled.   And so the second is have a bigger vision and a bigger vision for your life might mean I'm not going to stay in this job for the next 20 years and hopefully make partner. then hopefully, because we all know that as you get promoted in a W-2 job, it doesn't mean you work less. It means you work more. And so my bigger vision was I want to make my vocation, my vacation. I'm going to speak, but I'm going to speak in cool places that I can take my family to. People are going to pay me really well to do it.   (Adam Carroll) (36:03.368) and I'm going to do it X number of times a year. And then I started asking, and this is the third step, asking bigger questions. And bigger questions look like, okay, so if I wanted to do that, how would I get better at speaking? How would I get so good that people will pay me 10 or 15 or 20 grand to go do what I do for an hour? What would that look like? I started asking not how would I pay my house off early? How would I pay my house off by the end of this year?   And when I asked that question, answers started coming and we were able to do it. So this is kind of the layout of how we walk people through this process. And for me, a bigger life today is just that, you know, I live for my family. I want to travel with them. I want to have tons of fun with them while they're still in the house. I have two teenagers and one in college. And soon, you know, eventually they'll be gone and it'll be my wife and I going and living the life that we most want.   Our lifestyle right now is pretty locked in. We have a beautiful home, we drive nice cars, but everything's paid for. And at this point, the goal is just to continually create massive passive permanent streams of income that afford us the ability to be generous, to live the life we want. And ultimately for me to be able to go share that message with other people.   And something so simple that you did there, it's just, you know, ask yourself what's important. A lot of us don't take the time to think about why we're upset, why are we not happy. And a lot of it comes down to not filling those buckets that are important to us on a regular basis. to be able to figure that out, you've got to take a few moments to think deeply about what it is that's important to you.   100%. And I'll give you a great example, Seth. One guy that we worked with, he realized that one of his core values that was not being fulfilled was adventure. So he loved his job and he goes, I don't know what it is, I'm just dissatisfied. And we went through the values assessment and adventure was on there. I go, well, where are you getting adventure? And he said, you know, that's the problem. I'm not, I haven't had an adventure in two years. I said, so maybe in building your life,   (Adam Carroll) (38:21.538) we need to figure out where are you carving out adventure for yourself or your family to make sure that you're doing it. For him, community was a big part of it. And he was getting some of that in his day-to-day client interactions. But what he really wanted was to build a community of friends that would go do stuff together. And I said, that's on you, man. If you really want that as part of your life, you got to build whatever that looks like.   And what if you combine that and adventure? So you get a whole group of adventure seekers that get together three times a year to go skiing in Aspen or, you know, go skydiving on a weekend or whatever it is. What would that look like to do that? And he lit up and you know, I could do this right now. So to your point, I think we're all very, very close to having a fulfilled life and building a bigger life. But you do have to take time to figure out what does that look like for you.   For sure, for sure. And a lot of the folks listening are attorneys and doctors and they tend to have high suicide rates, all these crazy things, substance abuse. people from the outside looking in think, why? Because you're making all this money. You have this high profession that everybody looks up to and you're not unhappy. And that's why, because those folks...   folks like us, we're just really focused on just that occupation. And that's it. And we don't focus on some of the other things that would fulfill us and make us happy. tons of attorneys I talk to try to get, they're like, how do I start investing as quickly as possible? Make as much money as quickly as possible so I can get out of this job because I hate being an attorney or I hate being a dentist or whatever it is. But really, that might not be the issue. The issue is that you're not filling up those buckets outside of your   career. And if you were to start filling those buckets, start paying more attention to those things, you might not be as unhappy in your career. And you might actually find that you enjoy what you're doing because you're good at it. You worked really hard to get there and you're making a good bit of money doing it.   (Adam Carroll) (40:22.06) No doubt, no doubt. I would add to that, that I think the majority of professions that you just listed, dentists, doctors, lawyers, et cetera, what they really want is they want to maintain professional status, do what they do, they've gone to school, they've learned how to do it. But over time, they want to work less and less, not more and more. And if you're doing what you recommend on the show, and if you're leveraging something like the shred method to create it, you can get to a point where   half or more of your income, ideally all of it, is replaced by passive income. But it requires that you get really focused on working for the right reasons and not filling in the lack of fulfillment or unhappiness with a new car or the next do-dad or spending a fortune on something. Instead, decide, I'm going to go get into an investment this year that will begin the process of creating passive income for me to start building the life that I truly want.   And it is, it's pretty transformational once you figure out how to do it and what the next steps are.   Yeah, it's like the matrix. mean, you start kind of, as soon as you start, it becomes a game, how you said it earlier in the show, and you just start seeing things that you didn't see before. You start being presented with new types of investments and businesses that you can invest in that you never saw before, but they were right under your nose. It does turn into a fun game, a money game.   Yeah, no question. I was at a conference not too long ago and they were calling me Morpheus because I made a reference to the red pill or the blue pill. And they were like, dude, you're Morpheus. I just took the red pill. Now I'm going down the rabbit hole. So beware. Are you ready to take the red pill?   (Seth Bradley) (42:08.374) Love that, love that. All right Adam, before we jump into the freedom four, what's one last golden nugget for our listeners?   A golden nugget for your listeners is that money today is abstract. It's not a concrete thing. Several decades ago, you would be given cash or you'd pay for things in cash. And today, virtually everything is a cashless transaction. And when we're not using cash, it doesn't feel real. If we're using Apple Pay or we're swiping our card or tapping our card,   It doesn't feel real. In fact, there's no pain sensor that triggers when you do that. The opposite is true on Amazon. When you hit one click ship for $47, a pleasure sensor actually is activated because you're in anticipation of that thing coming to you. So we also have to realize that the more money you make, it feels like, well, the more you have to spend. But because money doesn't feel real, you're spending way more than you think you are.   because of the abstract nature of it. So some of that is like reigning back in and understanding these are real dollars that you're putting on a card or swiping on your phone or whatever it may be and deciding is this the best intentional use of this money or could I be using it to build the life that I truly want? And I will add to that Seth that it's very short. There's a short amount of time that it requires you to function just a little bit differently.   order to get there where all the passive income covers your wants. So just like intentionality for the next 12 to 24 months will make a massive difference in your life.   (Seth Bradley) (43:48.502) Yeah, that's all it takes. All right, let's jump into the freedom four. What's the best thing you do to keep your mind and body healthy?   I am part of an exercise group called F3 and it stands for fitness fellowship and faith. There's like 75,000 guys all over the world that do this every morning. And we get up, you know, rain, sun, sleet or hail. I mean, we were working out in like eight degree Fahrenheit weather this winter outside. It's always outside. And I love it. I do it four or five, sometimes six mornings a week. But for me, just getting up the first hour of my day will   will dictate what the rest of my day does. And so my F3 brothers and I, that's the right way for me to get started.   awesome. With all your success what is one limiting belief that you've crushed along the way and how did you get past it?   you know, this is, this is going to sound a bit like an oxymoron statement, but a limiting belief is that, man, there's so much opportunity. And for me, I'm a bright, shiny object guy. for years, my wife was like, just pick one opportunity, please just pick one. And so for me, it's, you know, it's the fact that there is so much I can do limits me because you can really get very, very good at one thing.   (Adam Carroll) (45:08.078) But I'm a big fan of James Clear and the book Atomic Habits. And he'll say that it's hard to get traction when your focus is divided. And so I've been really intentional about zeroing in on my focus and knowing that this is what I'm setting out to do. And it may be for 12 months or 24 months or five years. And I'll reevaluate along the way. But I've got one thing and I'm really focused on that. So that's been a limiting belief I've had to get over.   Awesome. Awesome. What's one actionable step our listeners can do right now to start creating more freedom?   Well, go to the shredmethod.com not to do a self plug, it is. Go watch the masterclass, see what we do and how we do it. If you are already intrigued by this and are wondering like, what should I do with a HELOC or should I have a HELOC? My answer to everyone is everyone should have a HELOC, everyone. If you have equity in your home, why do you not have a line of credit? If for nothing else to have that is an emergency.   of some kind. So point blank, the first thing you ought to do is go access a line of credit, be it a home equity line, a personal line of credit, a P lock, or a B lock, a business line of credit. can also do a cash value line of credit. But I think you got to have one of those because when you understand this method, this process, that's a linchpin to making this work.   Great. How is passive income made your life better?   (Adam Carroll) (46:42.698) you know, I like to call it mailbox money and, man, love mailbox money. When it shows up, I celebrate and I've, I've had a mantra for years that I'm a money magnet, that money comes easily and frequently, that I get more checks in the mail than I do bills. And I just repeat those mantras over and over again. So every time I set up another form of passive income, man, it's just like a win.   that you feel deep down inside. And it doesn't matter, Seth, if it's 50 bucks or 15 bucks or five bucks or 5,000, right? Total sidebar, real quick story, but I was sitting with a buddy of mine at a conference and he kept showing me his phone and he was clearly showing off. But every time he'd pop up his phone, was like another sale was made. And it'd be like $27, $170, $300. And I go...   Dude, how are you doing this?" And he said, I set up these funnels and it's just a little digital product I created and we're doing ads and we're putting all the people towards these ads. And I said, so how many of those do get a month? He goes, I don't somewhere between $9,000 and $10,000 a month is coming in. And I remember feeling giddy for him and giddy about the idea that this could be possible, that you could just do whatever you want to do every day. Go fishing, go surfing, be on a sailboat somewhere and pull up your phone and be like, well, this is cool. just made...   $800. So for me, we have started to build that into what we're doing. I now get alerts on my Apple Watch. It's a Slackbot. So every time a sale is made, it pops up. we went to Mexico over spring break and the vendors on the Mexican beaches, they bless themselves every time they make a sale. And so now when a sale pops up on my Slackbot,   I'm like, all right, I made a sale. This is awesome. So how has it changed my life? I'm more grateful. I sleep well at night. I have peace of mind. And I know that, you know, future generations are going to be taken care of by the wealth that my wife and I are creating.   (Seth Bradley) (48:45.29) I love it, All right, Adam, this has been incredible. We're going to let listeners find out more about you.   Well, you can find out more about me personally at adamcarroll.info. It's two R's, two L's, adamcarroll.info. And again, if you want to check out the Shred Method, we have lots of free resources. So you can go and do a ton of research. We have a savings analysis there that you can plug in your numbers and see how much you could save and how quickly you could be out of debt. All of that is available at theshredmethod.com.   All right, brother. Appreciate your time. Thanks again for coming on the show and we'll to have you on again soon.   Love it, Seth. Keep doing what you do, man. This is super important stuff.   Alright brother, talk soon.   (Seth Bradley) (49:28.578) Thanks for tuning in to Raise the Bar Radio. If you enjoyed today's episode, make sure to subscribe, leave a review, and share it with someone who needs to hear it. Keep pushing, keep building, and keep raising the bar. Until next time, enjoy the journey. Links from the Show and Guest Info and Links: Seth Bradley's Links: https://x.com/sethbradleyesq https://www.youtube.com/@sethbradleyesq www.facebook.com/sethbradleyesq https://www.threads.com/@sethbradleyesq https://www.instagram.com/sethbradleyesq/ https://www.linkedin.com/in/sethbradleyesq/ https://passiveincomeattorney.com/seth-bradley/ https://www.biggerpockets.com/users/sethbradleyesq https://medium.com/@sethbradleyesq https://www.tiktok.com/@sethbradleyesq?lang=en Adam Carroll's Links: https://www.threads.com/@adam.carroll/ https://www.instagram.com/adam.carroll/ https://www.linkedin.com/in/adamcarrollspeaks/ https://www.facebook.com/AdamSpeaks/ https://x.com/adamcarroll https://open.spotify.com/show/1fPEUnWdnbcOcbYdksY1Yi https://www.youtube.com/channel/UCJREGkPP6UwMucJMPvDS8xg

Victoria Police are searching for three men who allegedly broke into a licensed premises in Craigieburn earlier this month before attempting to steal an ATM.See omnystudio.com/listener for privacy information.

New York City officials are investigating a reported ATM scam involving payment cards issued through the city's Summer Youth Employment Program. Plus, Sunset Park residents are calling for the city to improve pedestrian safety along Third Avenue where two men were recently killed. And finally, The iconic Broadway musical “A Chorus Line” is turning 50 and it changed Broadway forever.

Send us a textMarcus Norman, host of the hit podcast "Gentleman Style Podcast: God, Family, Finance, Self,"  joins us today.  He share on the matters of Real Estate Investing (Moderate Level), Radical Finance tips strategies and ideas, Life Insurance, ATM investing, Equity/Angel Investing, and CBD vending machines. He was a sailor in the US Navy, and is a Man of Faith. Marcus brings a wealth of knowledge and experience to the table, so listen now.https://gentlemanstylepodcast.com/https://podmatch.com/hostdetail/1613479149153x265615001358141300Contact us:Rumble/ YouTube/ IG: @powerofmanpodcastEmail: powerofmanpodcast@gmail.com.Twitter: @rorypaquetteLooking for Like-Minded Fathers and Husbands? Join our Brotherhood!"Power of Man Within" , in Facebook Groups:https://www.facebook.com/groups/490821906341560/?ref=share_group_linkFree Coaching Consultation call whenever you are ready... Message me!Believe it!

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If the rumors are true, then China changed to a digital currency overnight. Apparently, China shut down all ATM’s, seized all cash and forced their citizens to change to a Digital Yuan. 00:00 Intro 02:43 Digital Yuan 19:39 Prophecies 23:51 Totalitarian Government 26:40 Our Sponsors

If the rumors are true, then China changed to a digital currency overnight. Apparently, China shut down all ATM’s, seized all cash and forced their citizens to change to a Digital Yuan. 00:00 Intro 02:43 Digital Yuan 19:39 Prophecies 23:51 Totalitarian Government 26:40 Our Sponsors

Die African Transformation Movement sê die Suid-Afrikaanse Nasionale Weermag is onderbefonds en is nie voorbereid om toenemende bedreigings teen te staan nie. Die party sê die ontplooiing na die Demokratiese Republiek die Kongo het die gevare daarvan blootgelê om swak toegeruste soldate na konflikgebiede te stuur. Hy waarsku teen groeiende bedreigings soos misdaad, terrorisme en onwettige immigrasie. Die woordvoerder van die ATM, Zama Ntshona, sê die regering moet die skuld kry vir die verwaarlosing van nasionale verdediging:

Hoy en "aprender a mirar", Isabel Moreno, física meteoróloga nos ayudo a mirar el cielo y todos los elementos que tiene que ver con el clima. Desde la terraza de la SER que da a la Gran Vía de Madrid vimos un día nublado , pero con el marrón de la famosa boina de contaminación en los márgenes, el sol que no es amarillo, aviones que dejan estela, pero que lejos de lo que dicen los bulos no provocan ni lluvias ni las evitan, y sobre la mesa tuvimos un termómetro para demostrar que no son fiables cuando están en la calle. Pero además hablamos  de calentamiento, de las islas de calos y de los negacionistas que insultan y amenazan a los científicos del clima. Isabel Moreno nos cuenta el tiempo diariamente en el programa  "Aquí la tierra" de RTVE y ha escritos dos libros divulgativos que son "Cambio climático para principiantes" y  "Atmósfera de bulos. 

David Frum joins Joanna Coles to unpack the jaw-dropping scale of Donald Trump's presidential profiteering—from the $400 million Qatari plane to his so-called ‘presidential library' money funnel. Frum, Senior Editor of The Atlantic and host of the new podcast The David Frum Show, explains how Trump turned the presidential office into a personal ATM—and why the Republican party let him. He breaks down why Trump's grift dwarfs anything in U.S. history, how social media fuels both the scam and the silence, and why the real question isn't what Trump will do next, but what we'll tolerate. Hosted on Acast. See acast.com/privacy for more information.

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3221: Andrea Joy reflects on how a routine ATM visit stirred emotional memories of her past financial struggles, reminding her of the deep connection between money and self-worth. Her heartfelt insights offer encouragement to anyone navigating financial hardship, emphasizing that change is possible and that emotional awareness is key to sustainable progress. Read along with the original article(s) here: https://savingjoyfully.com/blog/remembering-the-emotional-impact-of-your-finances Quotes to ponder: "I was that young woman again and I was right back where I used to be." "Don't let your financial situation control your emotions, and even more importantly, don't let your emotions manage your financial life." "Each time I am faced with moments like this one, I am reminded that overcoming financial struggles is always possible, even when I may feel hopeless." Learn more about your ad choices. Visit megaphone.fm/adchoices

Jim Jefferies Gets In Trouble for His Justin Bieber Leak | Howie Mandel Does Stuff Geoff James Nugent, known professionally as Jim Jefferies, is an Australian and American comedian, actor, and writer. He created and starred in the FX sitcom Legit and the Comedy Central late-night show The Jim Jefferies Show. In 2023, Jim began hosting The 1% Club. ATM with Jim Jefferies & Amos Gill Podcast available here: https://www.youtube.com/@JimJefferiesOfficial https://www.youtube.com/@JimJefferiesOfficialVisit https://www.jimjefferies.com/ for more! Bobbys World Merchandise from Retrokid: https://retrokid.ca/collections/bobbys-world Howie Mandel Does Stuff available on every Podcast Platform Visit the Official Howie Mandel Website for more: https://www.howiemandel.com/ Howie Mandel Does Stuff Merchandise available on Amazon.com here https://www.amazon.com/shop/howiemandeldoesstuff Join the "Official Howie Mandel Does Stuff" Reddit: https://www.reddit.com/r/HowieMandelPodcast/ Thanks to Our Sponsors: With Pill Butter you just take a little bit of the delicious Pill Butter, wrap it around that pill, and BAM! Your dog thinks it's a treat! Made right here in the good ol' USA with human-grade ingredients! Plus, it's GMO-free, chicken-free, xylitol-free, gluten-free, hormone-free, antibiotic-free and well… 10% off with code ‘HOWIE10' for 10% off at PillButter.com PlanP are delicious, premium gummies that are packed with all-natural ingredients like buchu leaf, dandelion, juniper berry, and much more! These gummies help your body naturally release that excess water weight, making you feel lighter, more energetic, and ready to take on the world! Use the code 'HOWIE20' for 20% off at planpgummies.com MOOD's concentrated nootropic and vitamin blend is brain fuel your day didn't see coming. It supports mood, energy, memory, and focus… but remembering your anniversary? Even science has its limits! Go to moodnootropics.com and use the code ‘HOWIE10' for 10% off your order and join MOOD's mission to enhance mood, prioritize health, and simplify life. Say Hello to our house band Sunny and the Black Pack! Follow them here! YouTube: https://www.youtube.com/@BlackMediaPresents TikTok: https://www.tiktok.com/@blackmediapresents Spotify: https://open.spotify.com/artist/01uFmntCHwOW438t7enYOO?si=0Oc-_QJdQ0CrMkWii42BWA&nd=1&dlsi=a9792af062844b4f Facebook: https://www.facebook.com/SunnyAndTheBlackPack/ Instagram: https://www.instagram.com/blackmediapresents/ Twitch: https://www.twitch.tv/blackmediapresents Twitter: twitter.com/blackmedia @howiemandel @jackelynshultz @jimjefferies

  Slam the Gavel welcomes Marineka Bowman to the podcast. Marineka was last on Season 3, Episodes 104, 131, 159, 160, 174 and 184, Season 4, Episodes 22, 48 and 61, Season 5, Episodes 149, 210, 238, 248, 256, 258, 263, 271 and 275. HELLO DOGE and Pam Bondi.     Today, Marineka Bowman updated us on her case where the counselor, Swiyah Whittinington, with 3 years of experience is handling her daughter's counseling. The therapist has said that child cannot bond with mother, is afraid of her, though the counselor has never reached out to Marineka (mother). Also this counselor has cancelled many appointments in April and also picked up and went to work for another agency. Bear in mind, that the therapist has ties to Attorney Laura Brooks.      The first counselor at Turning Corners who handled her daughter's counseling, had experience in Drug and Alcohol counseling, however no background in handling children with PTSD or Child Psychological Abuse.      The third party parasite, Guardian Ad Litem, Patricia Weir communicates with the father. Apparently the father has many connections in this case. Collusion abound, Judge Natalie Haskins should have recused herself long ago......    This is a silent pain that people take for granted when there are no contact orders and personality disorders are running the courtroom, until it happens to you. Parents and their children are suffering and the judge doesn't care and leaves up decisions to inept therapists/counselors.To Reach Marineka Bowman;  dismantlingfamilycourtcorruption.comSupportshow(https://www.buymeacoffee.com/maryannpetri)Maryann Petri: dismantlingfamilycourtcorruption.comhttps://www.tiktok.com/@maryannpetriFacebook:  https://www.youtube.com/@slamthegavelpodcasthostmar5536Instagram: https://www.instagram.com/guitarpeace/Pinterest: Slam The Gavel Podcast/@guitarpeaceLinkedIn: https://www.linkedin.com/in/maryann-petri-62a46b1ab/  YouTube:  https://www.youtube.com/@slamthegavelpodcasthostmar5536  Twitter https://x.com/PetriMaryannEzlegalsuit.com   https://ko-fi.com/maryannpetrihttps://www.zazzle.com/store/slam_the_gavel/about*DISCLAIMER* The use of this information is at the viewer/user's own risk. Not financial, medical nor legal advice as the content on this podcast does not constitute legal, financial, medical or any other professional advice. Viewer/user's should consult with the relevant professionals. Reproduction, distribution, performing, publicly displaying and making a derivative of the work is explicitly prohibited without permission from content creator. Podcast is protected by owner. The content creator maintains the exclusive right and any unauthorized copyright infringement is subject to legal prosecution. Support the showSupportshow(https://www.buymeacoffee.com/maryannpetri)http://www.dismantlingfamilycourtcorruption.com/

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3221: Andrea Joy reflects on how a routine ATM visit stirred emotional memories of her past financial struggles, reminding her of the deep connection between money and self-worth. Her heartfelt insights offer encouragement to anyone navigating financial hardship, emphasizing that change is possible and that emotional awareness is key to sustainable progress. Read along with the original article(s) here: https://savingjoyfully.com/blog/remembering-the-emotional-impact-of-your-finances Quotes to ponder: "I was that young woman again and I was right back where I used to be." "Don't let your financial situation control your emotions, and even more importantly, don't let your emotions manage your financial life." "Each time I am faced with moments like this one, I am reminded that overcoming financial struggles is always possible, even when I may feel hopeless." Learn more about your ad choices. Visit megaphone.fm/adchoices

NotiMundo A La Carta - Mauricio Torres, Contratos entre Celec y ATM con irregularidades, ¿qué pasa con los de Progen? by FM Mundo 98.1

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3221: Andrea Joy reflects on how a routine ATM visit stirred emotional memories of her past financial struggles, reminding her of the deep connection between money and self-worth. Her heartfelt insights offer encouragement to anyone navigating financial hardship, emphasizing that change is possible and that emotional awareness is key to sustainable progress. Read along with the original article(s) here: https://savingjoyfully.com/blog/remembering-the-emotional-impact-of-your-finances Quotes to ponder: "I was that young woman again and I was right back where I used to be." "Don't let your financial situation control your emotions, and even more importantly, don't let your emotions manage your financial life." "Each time I am faced with moments like this one, I am reminded that overcoming financial struggles is always possible, even when I may feel hopeless." Learn more about your ad choices. Visit megaphone.fm/adchoices

In this gripping two-part episode, Mackenzie and Hanna welcome siblings Rob and Laura, who reveal how their kind-hearted father was quietly robbed blind by their stepmother for nearly three decades. From phony bank statements and forged checks to embezzled retirement payouts and a sham foreclosure's, you'll hear the shocking twists and red flags that went unnoticed for 27 years. As Rob and Laura piece together rumors of embezzlement, payday-loan scams, and daily ATM withdrawals you'll be left wondering how something so outrageous could stay hidden in plain sight. If you or someone you love has ever weathered financial betrayal, this story will resonate on a deeply personal level. Buckle up for part one of this jaw-dropping family saga.Click here to join our Patreon! For only $5 a month you will get 2 extra episodes a month, monthly virtual live events, and access to our community page. And now for $9 a month you can get all of that, plus ad free episodes!If you've been dogfished and want to share your story on the show, email investigate@thedatingdetectivespodcast.com or contact us through our website using this linkStop putting off those doctors appointments and go to Zocdoc.com/tdd find and instantly book a top-rated doctor today.Make this spring your most delicious yet with Green Chef. Head to greenchef.com/50datingdetectives and use code 50datingdetectives to get 50% off your first month, then 20% off for two months with free shipping.Take control of your data today. Get 20% off your DeleteMe plan by visiting joindeleteme.com/datingdetectives and using the promo code TDD at checkout. Get control of your finances with Monarch Money. Use code DATING at MonarchMoney.com in your browser (not app) for half off your first year! ***The following Program contains names, places and events that have been anonymized or fictionalized for the purposes of protection and safety. The following Program is provided for entertainment purposes only and any commentary from the hosts are strictly conjecture and should not be held as making any definitive statements about the truth or identity of any particular individuals or circumstances.If you or a loved one are involved in an abusive relationship, please call the National Domestic Violence Hotline at 1-800-799-7233 for support.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Lloyd Howell was expensing trips to strip clubs (and the ATM), and colluding the league, unbeknownst to the players

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 A wife surrenders her clothes during treasure hunt. By sharedare. Listen to the Podcast at Steamy Stories. One of my hubby's closest buddies had flown in from Phoenix to spend the weekend with us. Jay and Hubby had grown up together and, up until a few years ago, the two had always lived in the same neighborhood. Moving up the corporate ladder eventually required Jay to relocate to Arizona, but he and hubby had remained as close as ever.It was Friday night, and the three of us were enjoying a casual evening of wine and conversation. As the night wore on, we somehow ended up talking about jewelry, and my desire to upgrade the diamond in my wedding ring. Hubby and I had often discussed the idea of upgrading to a full karat. Unfortunately, the price had always been more than we could reasonably afford. And so went the discussion that night, only this time it included Jay. I had consumed just enough wine to make me a little goofy, so I wasn't too surprised by myself when I remarked to hubby and Jay that I should work the streets for a day or two to raise money for my diamond. Both Jay and hubby were all for the idea, urging me to hop into a mini-skirt and get to work. Jay said I definitely had the body for it. We all laughed and soon the conversation turned to other topics. The following day, hubby and Jay were up and out of the house early, heading downtown on what they described as a “secret mission”. Although they returned home about six hours later, they refused to divulge the purpose of their trip. It seemed as though we were going to spend our Saturday night, as we had the previous night, sampling a new collection of California wines, feasting on barbecue, and otherwise enjoying the warm night air. Nothing seemed out of the ordinary to me, except that hubby wasn't partaking in any wine, claiming that he had a slight upset stomach. I should have been more suspicious, especially since his upset stomach didn't seem to affect his appetite for steak. At about 10pm, having already consumed quite a few glasses of wine, Jay and hubby finally sprung their surprise on me. They said they had decided to split the cost of a one-karat diamond for me, but that I had to agree to play a little game in order to “win” my jewel. I didn't know exactly what to expect, but I decided to hear them out on their plan. Jay explained that he and hubby had purchased a gift card with which I could purchase my diamond. He went on to say that all I had to do was go on a treasure hunt to find four purple marbles. Hubby chimed in and said that he and Jay had hidden the marbles in four separate locations, and that they would drive me to each location and tell me where to retrieve each marble. Before I could ask what the catch was, Jay, an impish grin on his face, explained that I would be required to leave one article of clothing behind in exchange for each marble. He also said that, to play the game, I had to limit myself to only four pieces of clothing, not including my shoes. And my shoes, he explained, had to be the highest-heeled footwear I owned. I continued sipping my wine as I considered the offer made by these two screwballs. I really didn't mind Jay seeing me in my birthday suit, but I wasn't sure just how adventurous this game was going to be. Neither hubby nor Jay would give me any clues on the locations of the marbles, but they did emphasize that if I didn't retrieve all the marbles, or if I failed to leave an article of clothing at each discovery site, they would cash in the card and get their money back. In the end, the wine gave me the courage I needed to take them up on their dare. After donning a t-shirt, gym shorts, and a pair of four-inch high-heeled black boots, we headed off to town (town, by the way, is Reno, Nevada). I demanded that no photos or video be taken. Reno is a small city and believe me, word gets around. I locked up their phones and mine in a small lock box and slid it under my front passenger seat. Jay sat in the back while hubby drove. Our first destination was a Bartley Ranch Park on the south outskirts of town. It was fairly close to our neighborhood. As I peered out the window from my seat, I could see that the park was fairly well lighted, and only a few people seemed to be in the area. From the back seat, Jay handed me a 3X5 card that told me that I could find my first marble taped underneath the picnic table located under a gazebo, close to the river. Looking across the park, I could see the river running along the opposite side of the park from the parking lot. Mustering up some courage, I opened the door and headed out across the grass. The picnic table I was looking for was about 100 yards from the car, and the only other people in the park were off to the side. Finding and retrieving the marble was no problem at all, but I hesitated when it came time to pull off my shirt. I looked around the park and saw that nobody seemed to be paying any attention to me. Taking in a deep breath, I pulled off my shirt, tossed it under the table, and started off back to hubby, Jay, and the security of our car. I had decided that it would be better to walk quickly, than run and bring extra attention to myself. Besides, as athletic as I was, the 4″ heels and my tipsy champagne-induced condition would likely result in a nasty spill, drawing even more attention, if not intervention. About halfway across the grass, the sound of a few catcalls made me pick up my pace a bit. The warm summer air felt good and I guess I was more worried about getting mugged than being seen in my bra. I nearly stumbled when my heels caught a clump of grass. Jay and hubby were both applauding and cheering as I reentered the car. I played it cool, and didn't let on how nervous I was. Besides, we were already moving on to our second destination. Hubby next wheeled the car into a parking spot on the side of a gas station/convenience store. At first I thought they would tell me to actually go inside the store, so I was relieved when the card Jay handed me directed me to walk around to the back of the building, enter the women's restroom, and retrieve my marble from inside the hand towel dispenser. Looking around and seeing nobody near us, I slipped out of the car and made my way around the building. Thankfully, nobody was there and I quickly stepped into the restroom. Popping open the dispenser, I grabbed my marble and replaced it with my gym shorts. Standing in the bathroom in my bra and panties, I cracked open the door to find that the coast was clear. Seeing it was, I headed back to the security of the car.   As I had rounded the corner of the building, I saw there was a guy pumping gas. Distracted by my plight, I again almost took a spill as I stepped off the curb in those damned heels, resulting in an ungracious public ‘titty-wiggle' in front of the car. Jay and hubby were cheering as I jumped into the front seat.  but the guy pumping gas had his back to me, so my trip went undetected. Once settled back in the car, Jay popped open a bottle of champagne and poured us each a glass. He said that he thought I could use a little more “courage” to prepare for the final two stages of the great treasure hunt. As we sat in the parking lot sipping champagne, a van pulled in alongside us, on my side of the car. The driver, an older man, definitely did the “double take” as he stepped past my window. I actually considered flashing one of my tits at him, but he turned and made his way into the store before I could. Jay and hubby chuckled as we backed out and headed off for destination number three. On the way, hubby reached over and began rubbing my pussy through my panties. I didn't realize how sexually aroused I had become with the night's antics until his hand touched my little red beaver. It was then that I realized I was already wet, and getting wetter by the second. While momentarily stopped at an intersection, Jay reached over the seatback and began massaging my breasts. We had never included Jay in any of our sexual adventures, so I was a bit surprised at his boldness. But I didn't object. It all felt very erotic, and I could feel that I was well on my way to an orgasm. I was so distracted, that it took me a moment to realize that a muni bus had pulled up alongside us. The intersection was well lighted and the driver had to be able to see everything going on in the car. Still, I didn't try to stop hubby and Jay from continuing to paw at me. We quickly moved off as the light changed, no doubt leaving the bus driver with some great images to get through the rest of his shift with. Our third destination was at Keystone Square shopping mall. Hubby parked the car in a donut shop parking lot, next to a bank. The mall was closed and we were the only car in the parking lot. Once again, Jay handed me a card, which directed me to retrieve my marble from the side of the ATM located in front of the bank. Exiting the car, I made my way across the asphalt lot and 5 drive-thru lanes, to reach the bank. Again, the marble was easy to locate. After confirming that there was nobody around, I slipped off my bra, freeing my c-cup titties from their restraints. I thought to myself, some bank guy is going to get a great boob shot when he reviews the surveillance videos that I know protect most ATM's. Crossing back over the drive-thru lanes, wearing only panties and high-heels, I was really starting to get brave (or maybe just drunk). Instead of immediately returning to the car, I stopped and waived to Jay and hubby. I even turned around, bent over, and flashed a ‘moon' at the two. My daring behavior was suddenly rewarded when the mall security guy came around the corner in his little pickup truck. I had barely stepped out onto the drive-thru when he pulled up to me and stopped. All I could see was the shadow of a head behind the steering wheel. I thought about trying to cover up, but it was useless. Instead, I smiled and waved, and continued across the lot to the car. Since I was no longer on bank property, the guard never said a word, he just watched me slide into the car, and drive away.  Public exposure is still a violation of city ordinances. Add to that a public drunkenness misdemeanor, and I was risking a night in the county lockup. Both the guys were laughing and cheering as we drove off. Once again, Jay handed me more champagne as we sped along to our final destination. This part of the journey took us to the other side of town. I am sure that at least a dozen drivers got an eyeful as they spied my bare boobies through the passenger window. Jay seemed to relish in the parade. He definitely seemed to like driving in the inside lane. By then I was really feeling the buzz of the champagne. Working our way to the north side of the city, hubby eventually pulled onto 8th street where it paralleled the highway. Hubby pulled over and parked on the left side, right on the corner of Sierra & 8th. The street was actually elevated above the highway and Sierra Avenue passed over the highway without the usual high arched overpass. Looking around, I could not see any obvious locations where my two tormentors would have concealed the fourth and final marble. Jay tapped on my shoulder and handed me the last card. The card directed me to cross south, over the entire overpass and recover the marble, which was taped underneath the handrail on the opposite side of the overpass. I looked across the overpass and saw that it spanned 6 highway lanes plus a large median. It had to be at least 150 yards to the other side. I tried to consider my options at this point, pondering whether or not I could make the round-trip trek without being seen, and knowing that the return trip would be without a stitch of clothing. Both Jay and hubby had a hopeful look in their faces that told me they would both blow their wads before I returned to the car, if I had the guts to get that last marble. Swallowing the remnants of my champagne, I resolved to get the last marble and win my new diamond. It was well past midnight and traffic on the highway seemed light. The streets immediately around us seemed completely devoid of any foot or vehicle traffic. I had plenty of liquid courage to back me up, and I was incredibly turned on by the prospect of walking the streets of Reno naked for a quarter mile, round trip. I reached over and grabbed hubby's crotch, gave it a squeeze, and told him he better be ready to “put out” when I got back. The bastard already had a hard-on, and his face was consumed by a wide grin. With a final look around the area, I stepped out of the car and started my trek across the overpass. My gait was swift, and the night air had cooled, causing my nipples to stiffen, and stand out so far you could hang a coat on each nipple. The walk across seemed endless, but finally I made it to the other side without incident. Once again, the marble was exactly where the card said it would be. After freeing the marble from the tape, I stepped out of my panties and hung them on the end of the railing. Now it was time for the return trip. As you might imagine, there was absolutely no concealment on the overpass. I was naked and completely exposed to anyone who might drive or walk by. But I held the final purple marble in my hand! It was soon to be replaced with a huge diamond, and that pleasurable thought led to a sudden outburst of dancing, high on the bridge overlooking 8 lanes of well-lit urban highway. The night air tingled as it slid past my exposed pussy lips. My thick red-haired bush was already wet from the evening's antics, and hubby's skilled fingers. Nearing the halfway point on the overpass, I realized a taxi had just turned onto the avenue two blocks up, and coming my way. But there was nothing I could do. There was nowhere to hide, and nothing to cover myself up with. As the taxi neared, I could feel myself trembling – a combination of fear and sexual pleasure. I decided to just keep walking proudly, no matter what. The taxi sped along towards me at a normal speed; until the driver realized what he was seeing in his headlights. He almost locked up the breaks as he slowed to get a better look. I flipped him a glance, smiled, and just kept walking. I could feel the juices flowing from my pussy, a trickle even found its way down the inside of my leg. I thought for a moment that the driver would stop and jump out of his cab, but instead, after a thorough observation he continued on his way, no doubt with happier thoughts on his mind. I had been focusing on the taxi cab, which seemed to take several minutes yet was only about 20 seconds; and in doing so, I had not realized that there were suddenly now some pedestrians on the bridge ahead of me. Straining to look ahead, it appeared as though a man and woman were approaching. All I could tell was that they were holding hands. My heart really began to race as I closed on the couple, my swaying tits waving happily at them. What would they do or say? The couple turned out to be two college-aged kids. When they saw me, they stopped dead in their tracks and watched me approach. While the young man seemed to be absorbed with staring at my pussy, the girl incredulously asked what I was doing. I paused long enough to explain that I was responding to a dare from my hubby. Champagne certainly does wonders for one's courage. The couple seemed duly impressed, so off I walked, leaving the couple standing on the bridge behind me, watching my ass jiggle as I walked away. By the time I reached the car, a bus could have driven by and I wouldn't have batted an eyelash. I was so horny and pumped up when I got into the car, I would have let hubby spread me across the hood of the car and make love to me right there on the street, if he would have suggested it. Instead, we took off southward and went downtown to the Reno Arch. This 5th stop was my idea, because I wanted a photo to commemorate this night. I had the pleasure of further exposing myself to other motorists, as my clothes were now spread the length of Reno. I was now reasonably drunk and I wanted something to remember my diamond quest by. I retrieved my phone & handed it to Jay as hubby was approaching Virginia Avenue along Commercial Row. We turned left & pulled over just north of the Downtown Reno Arch. As I got out, walked around the front of the car, then into the road & walked toward the famous neon sign which spans over the downtown street. Jay snapped several pics in rapid succession, Tourists under the arch started looking at me and whistling, so I waved. Within 20 seconds Jay said he had plenty of good pics, so I darted back in my front seat and hubby took us home. Hubby and Jay continued to play with me, keeping me insanely horny until we got home. What happened after that is another story. It suffices to say that, in addition to experiencing one of the most erotic public-nudity adventures of my life, I also won my new diamond, which will always remind me of my “night of nudity” in Reno!   By sharedare, for Literotica

Would you like access to our advanced agency training for FREE? https://www.agencymastery360.com/training Buying another agency sounds like a shortcut to scale — but if you skip the wrong step or miss the wrong promise, you might inherit more problems than profit. But how do you actually approach due diligence to ensure a seamless, profitable acquisition? Today's featured guest learned these lessons the hard way. What started as a promising deal quickly revealed cracks, forcing him and his partner to navigate unexpected challenges to pull the agency through. In the process, he discovered the key questions you must ask before buying another agency and the hidden details that can make or break your investment. If you're an agency owner thinking about using acquisitions as a growth strategy, today's conversation will equip you with real-world insights to avoid costly mistakes and set your agency up for a smoother, successful expansion. Matt Marchetta is an agency owner with two decades of experience who recounts his journey in the industry, from starting his first web design business in high school to pivoting into e-commerce and ultimately becoming a digital nomad. He teamed up with a partner to acquire Growth Labs, a lead generation shop focused on outbound. He goes over some of the challenges and crucial lessons learned during the acquisition process, particularly concerning due diligence, unforeseen client guarantees, and the original owner's significant personal brand influence on the agency's client base. In this episode, we'll discuss: Why buy another agency in the first place? Due diligence traps that cost real money. The ROI guarantee that almost blew up the deal. 4 questions you must ask before your next acquisition Subscribe Apple | Spotify | iHeart Radio Sponsors and Resources This episode is brought to you by Wix Studio: If you're leveling up your team and your client experience, your site builder should keep up too. That's why successful agencies use Wix Studio — built to adapt the way your agency does: AI-powered site mapping, responsive design, flexible workflows, and scalable CMS tools so you spend less on plugins and more on growth. Ready to design faster and smarter? Go to wix.com/studio to get started. From Solo Hustle to Ecom Growth Machine Matt started his agency journey as a kid who just wanted to work for himself and quickly learned the hard way—like many do—that running a business isn't just about being good at the work, it's about learning the business of business. It's a time he remembers fondly as a great foundation for his business education. He pivoted early from generalist design and dev work into e-commerce, riding that wave as it grew. Over time, he layered in Facebook ads, video production, and photography to support product marketing for his clients. And while many were stuck in offices, Matt was ahead of the curve, running remote from day one, carving out a lifestyle business that let him travel, stay flexible, and keep agency life fun. In fact, he never thought seriously about the possibility of selling his agency, since it's something he really enjoys doing and didn't think he'd ever get an offer that would compare to what he thinks it's worth. Why Buy an Agency? So why would a guy who loves the freedom of his own agency buy another one? Simple: leverage and evolution. Matt and his current business partner decided it was time to level up their respective agencies. They were both tired of being generalists and saw an opportunity to specialize, automate, and potentially transition out of day-to-day client grind by acquiring a business with the right foundation. They didn't go hunting for a big fish they couldn't afford. Instead, they targeted a sub-seven-figure agency they could buy at a fair multiple, with the goal of systemizing and growing it. Enter Growth Labs, an outbound lead gen agency specializing in cold email marketing. What They Looked For Before the Purchase Matt and his partner moved fast but smart: Profit and Loss: They dug into five years of P&Ls, noticing the typical COVID spike, post-spike drop, and finally profitability as the owner prepared to sell. Adbacks Reality Check: The books had plenty of “personal expenses” that, once removed, showed a clearer, stronger profit picture. Pipeline and Clients: They signed an NDA to peek at client lists, learning that the agency's lead gen often came from the owner's personal brand and reputation—great for credibility, but also something they'd need to replace with systems. Recurring vs. One-Off: They checked churn, recurring revenue, and how the business handled its leads and delivery so they wouldn't be buying a leaky bucket. Fast Close, Strategic Future In true operator fashion, Matt and his partner put in an offer quickly (about three weeks after initial discussions) and agreed on a 1.3x EBITDA multiple. They wanted the former owner to stick around for a transition period, ensuring continuity while they layered in their own systems and strategic direction. Everything looked clean. The seller had a strong personal brand. The books checked out (after adbacks). The plan was clear: earnout over three years, phased transition, and keep the seller involved for 12 months to ensure smooth client handoff and he agreed to do it. Then the cracks appeared. The ROI Guarantee Bomb While poking around Slack before the official handover, Matt found discussions about an ROI guarantee with a disgruntled client. The seller brushed it off as a “Horoszi-level mistake from years back.” No big deal, right? Wrong. Turns out, most new client contracts still included these ROI guarantees—often unwritten, often unenforceable, and often unrealistic. Combine that with underperforming cold email campaigns, and you have a recipe for churn, complaints, and a legal minefield. What was supposed to be a 2-month campaign turned into 12-month obligations with clients expecting a magical ROI that the agency couldn't verify, let alone control. 4 Lessons Matt Learned (So You Don't Have to) In hindsight, Matt admits they moved too fast. A few weeks wasn't enough because due diligence should take longer than you think. His advice for agency owners is not to feel pressured—take the time to ask uncomfortable questions and look for patterns and keep these 4 aspects in mind: Don't just check contracts. Check promises. Matt discovered clients were sticking around for the wrong reasons—and the wrong terms—due to handshake promises that should've been flagged during due diligence. Thoroughly analyze client data and churn patterns. Analyze the available metrics to determine whether or not clients are actually reaching goals. In his case, Matt found that using AI would've helped him uncover that consistent MRR masked a perfect churn pattern: lose three clients, gain three clients, every month. AI could've shown these patterns in minutes. Expect that when the seller leaves, 80-90% of their lead gen leaves with them. If the agency's pipeline depends on the owner's personal brand, you need a plan to replace that before you wire funds. Dig deeper into why the seller is selling—and why they started. Was the agency a real business solving a real need, or just a personal brand ATM for the founder? That origin story tells you how the business was run and what baggage you're buying. The Silver Lining Was it all doom and gloom? Nope. Matt discovered that despite the outdated “spray and pray” cold email approach, the agency's foundations were solid: a capable team, strong email infrastructure, and processes that could be upgraded with AI personalization and scalable systems. Instead of throwing in the towel, Matt is now rebuilding Growth Labs into a smarter, tech-enabled lead-gen agency aligned with the future, not the past. And despite the headaches, Matt and his business partner are still hungry for more acquisitions, now with clear systems and smarter questions in hand. They're even considering rolling up a group of specialist agencies as their next move. Do You Want to Transform Your Agency from a Liability to an Asset? Looking to dig deeper into your agency's potential? Check out our Agency Blueprint. Designed for agency owners like you, our Agency Blueprint helps you uncover growth opportunities, tackle obstacles, and craft a customized blueprint for your agency's success.

Send us a textLooking to escape the typical tourist experience in Thailand? Rick is back again to reveal some of the country's hidden treasures and practical wisdom that most travel blogs won't tell you.Forget what you think you know about Thailand. While Phuket might dominate travel magazines with its luxury resorts and premium prices, Rick guides us through extraordinary alternatives where authentic experiences await. From the breathtaking dual bays of Prachuap Khiri Khan to the fruit paradise of Chanthaburi (where durians can sell for up to $30,000!), we explore destinations that showcase Thailand's diverse beauty without the crowds.The podcast delivers practical gems that will transform your travel experience. Learn why booking accommodations for more than two nights is a rookie mistake, how to find quality one-bedroom beachside condos starting at just $40-50 per night, and why most visitors surprisingly tire of Thai food after just a few days. Rick's firsthand experiences illuminate how Thai people themselves vacation differently than foreigners, often seeking out markets and food experiences that typical tourists miss entirely.Beyond destinations, we dive into life-saving travel hacks: why Charles Schwab and Fidelity debit cards are essential for avoiding ATM fees, how taking prophylactic Pepto-Bismol can save your vacation, and the perfect months to visit different regions to avoid both crowds and rainy seasons. The conversation paints a vivid picture of Thailand beyond the brochures—where breathtaking beaches, dramatic karst mountains, and unforgettable food experiences await the curious traveler.Whether you're planning a family trip, a digital nomad adventure, or a beach getaway, this episode equips you with insider knowledge to experience the authentic Thailand that keeps seasoned travelers coming back year after year. Listen now and discover your next dream destination!Map of ThailandSupport the showPlease download, like, subscribe, share a review, and follow us on your favorite podcasts app and connect with us on Instagram: https://www.instagram.com/wherenextpodcast/View all listening options: https://wherenextpodcast.buzzsprout.com/HostsCarol Springer: https://www.instagram.com/carol.work.lifeKristen: https://www.instagram.com/team_wake/ If you can, please support the show or you can buy us a coffee.

Bryan Kohberger and his "I was out for a gander at the stars" routine isn't sitting well with the Goncalves family and they had no  problem calling it absurd and a delay.In this episode, we hear from the Goncalves family in the wake of the alibi claimed by Bryan Kohberger and what we might expect as the process continues to grind forward.An alibi in a criminal trial is a defense strategy where the accused presents evidence to show that they were somewhere else at the time the crime was committed, thereby making it impossible for them to have committed the crime. It's essentially a form of proof of innocence by demonstrating that the accused couldn't have been at the scene of the crime.Corroborating an alibi using digital evidence involves gathering electronic records or data that can confirm the accused's presence elsewhere. Here's how it can be done:Surveillance footage: If there are surveillance cameras in the area where the accused claims to have been at the time of the crime, the footage can be reviewed to verify their presence.Cell phone records: Mobile phone records can show the location of the accused at the time of the crime, either through cell tower pings or GPS data if enabled. This can be corroborated with witness testimonies or other evidence.Social media or online activity: Posts, check-ins, or messages on social media platforms or other online services can provide a digital footprint of the accused's whereabouts. However, these can sometimes be manipulated, so additional evidence may be needed to corroborate them.Credit card transactions: Credit card transactions or ATM withdrawals can provide evidence of the accused's whereabouts if they made purchases or withdrew money around the time of the crime.Email or electronic communication: Emails, text messages, or other forms of electronic communication can provide timestamps that establish the accused's location or activities at a particular time.Digital photos or videos: If the accused or someone else took photos or videos at the time in question, these can serve as evidence of their presence elsewhere.(commercial at 9:17)to contact me:bobbycapucci@protonmail.comsource:Family of Idaho murders victim Kaylee Goncalves bite back at Bryan Kohberger's 'moon and stargazing' alibi, saying 'if it had weight, it would have been submitted months ago' | Daily Mail OnlineBecome a supporter of this podcast: https://www.spreaker.com/podcast/the-moscow-murders-and-more--5852883/support.

NotiMundo Al Día - Germán Rodas, cuestionados contratos Progen y ATM by FM Mundo 98.1

Global artificial intelligence in banking space is expected to grow at a CAGR of over 30 per cent in the coming years, finding use in almost everything we do. The sector is incorporating AI not just for personalizing customer preferences but also enhancing ATM networks, increasing brand presence among others. In this episode, we are joined by Manisha Banthia, Vice President of Data and analytics at Fiserv Global Services. Recently being named among TIME100 Most Influential Companies 2025, Fiserv is using data analytics, GenAI to make banking easier for the clients and enhance customer experience. It is helping merchants, fintechs with AI in 3 ways – personalize, protect and predict & prevent. Listen in to what Banthia's insights on where AI will be in the next 25 years.

Ill-Advised News has some real gems today with a butt slapper on the loose and a man excavating the ATM. We go over the sound of last night’s ESPY awards, hear how a band did something epic with a live performance, and Cass is frustrated over something Jim Carrey related. We learn what henning is, and why Anthony is trying to make it a thing. We have a second ill with a chicken crossing the road and another shed in front of the Lowe’s “jackin it” situation. Support the show and follow us here Twitter, Insta, Apple, Amazon, Spotify and the Edge! See omnystudio.com/listener for privacy information.

At this moment Jim and Amos riff on what ICE raids on white immigrants would be like, what would be on their Mt. Rushmore for Australians, Emmanuelle Macron's wife's potential genitalia, and ideas for new Barbies. Pastor Jacob from the Snake joins the podcast to talk about the most recent episode! Watch THE SNAKE on FOX Tuesdays at 9pm ET/8pm CT and available the next day on Hulu. AD: QUINCE - Go to http://www.quince.com/ATM for free shipping on your order and 365 day returns. SOCIALS: Jim Jefferies Website: https://www.jimjefferies.com IG: https://www.instagram.com/jimjefferies FB: https://www.facebook.com/JimJefferies Twitter: https://twitter.com/jimjefferies Amos Gill IG: @abitofamosgill FB: https://www.facebook.com/AmosGillComedy/ Incidental music by the Doohickeys

A man stole an excavator and tried to steal a bank ATM...the driver of a prison transport van fell asleep and crashed with 8 inmates inside...and a thief incriminated herself after the victim called the thief "trash" on Facebook!

www.marktreichel.comhttps://www.linkedin.com/in/mark-treichel/Credit Union Roundtable: Mid-Year Risk Reports - Our Take on What it Means for CUsEpisode DescriptionIn this inaugural Credit Union Roundtable episode, host Mark Treichel is joined by three industry veterans to break down the OCC's Spring 2025 risk report and what it means for credit unions. Steve Farrar, Todd Miller, and Dennis Bauer bring decades of combined NCUA and credit union experience to analyze the top risk concerns facing the industry.Featured GuestsSteve Farrar - Former NCUA examiner and problem case officer with 30+ years of regulatory experience, including work on the risk-based capital rule and Central Liquidity FacilityTodd Miller - 34-year NCUA veteran, former Director of Special Actions in the Western Region, capital markets specialistDennis Bauer - Recently retired CFO of Ideal Credit Union (grew from $100M to $1B+ during his tenure), former NCUA examinerKey Topics CoveredCommercial Credit Risk (9:00)Rising delinquencies in commercial real estateImpact of interest rate resets on variable rate loansOffice building vacancy concerns post-COVIDNCUA's increased focus on annual review processesNew concentration limit requirements by property typeRetail Credit Performance (18:00)Student loan payment resumption impactsGenerational differences in borrowing behaviorAuto loan portfolio shrinkage trendsRegional economic performance variationsInterest Rate Environment (24:00)Yield curve normalization effectsCD composition changes (13% to 28% of deposits)Underwater investment portfoliosEnhanced stress testing requirements from examinersOperational Risk Challenges (33:00)Cybersecurity incident response planningLegacy system conversion risksCommunication strategies during cyber incidentsCost vs. benefit analysis for security upgradesFraud & Payment Systems (39:00)Elder fraud targeting (timeshare scams example)ATM jackpotting and skimming schemesVenmo usage statistics (85% under 40, $342B in Q1 transfers)Third-party payment system competitionBSA/AML Compliance Burden (45:00)Staffing challenges for smaller credit unionsCreating collaborative BSA officesCommittee-based approach to complianceGrowth & Competition (46:00)Slow loan growth trendsCredit unions gaining deposit market share vs. banksMoney supply impacts on deposit availabilityPricing strategy considerationsAI & Technology Adoption (50:00)Model validation requirementsThird-party vendor risk managementNCUA's AI policy challengesCompetitive advantages vs. compliance risksKey TakeawaysCommercial Real Estate Monitoring: Credit unions should closely watch their CRE portfolios, especially office properties and loans approaching rate resetsStress Testing Expansion: Expect more detailed scenario analysis requests from NCUA examiners across interest rate and liquidity risksOperational Risk Investment: Cybersecurity and system conversion planning require significant ongoing investment and expertiseGenerational Shifts: Adapting to younger members' payment preferences and borrowing behaviors is critical for long-term growthAI Adoption Strategy: Credit unions need to embrace AI while implementing proper model validation and risk management frameworksResources MentionedOCC Spring 2025 Risk Report (link in show notes)Credit Union Regulatory Guidance podcast (AI-powered audio summaries)Attorney General scam awareness resourcesNotable Quotes"A rolling loan gathers no loss" - Professor Willie Stotts reference on commercial loan repricing challenges"We took the approach that we're gonna have a cyber incident... so we took that approach in developing our incident response plan" - Dennis Bauer on cybersecurity preparation"If you don't have time to do it right, you don't have time to do it over" - On system conversion planningContact InformationMark Treichel - Host, With Flying Colors Podcast Consulting Services: Available for credit union risk management and regulatory guidanceNext Episode PreviewStay tuned for more Credit Union Roundtable discussions featuring industry veterans sharing practical insights on regulatory trends and risk management strategies.This episode provides general information and should not be considered specific regulatory or legal advice. Credit unions should consult with their own advisors and regulatory contacts for guidance on specific situations.

In this gripping two-part episode, Mackenzie and Hanna welcome siblings Rob and Laura, who reveal how their kind-hearted father was quietly robbed blind by their stepmother for nearly three decades. From phony bank statements and forged checks to embezzled retirement payouts and a sham foreclosure's, you'll hear the shocking twists and red flags that went unnoticed for 27 years. As Rob and Laura piece together rumors of embezzlement, payday-loan scams, and daily ATM withdrawals you'll be left wondering how something so outrageous could stay hidden in plain sight. If you or someone you love has ever weathered financial betrayal, this story will resonate on a deeply personal level. Buckle up for part one of this jaw-dropping family saga.Click here to join our Patreon! For only $5 a month you will get 2 extra episodes a month, monthly virtual live events, and access to our community page. And now for $9 a month you can get all of that, plus ad free episodes!If you've been dogfished and want to share your story on the show, email investigate@thedatingdetectivespodcast.com or contact us through our website using this linkThis episode is sponsored by Miracle Made. Get silver-infused, bacteria-fighting, temperature-regulating sheets and towels at TryMiracle.com/TDD and use code TDD to save over 40% and claim a FREE 3-piece towel set.This episode of The Dating Detectives is sponsored by Ava. Rebuild your credit fast with no interest, no credit check, with AVA. Download the AVA app and use promo code DATING. This episode of The Dating Detectives is sponsored by Simply Pop. Find your favorite new prebiotic soda at CokeURL.com/SimplyPop.This episode is sponsored by SKIMS. Shop the SKIMS Fits Everybody Collection at SKIMS.com. After you place your order be sure to let them know we sent you by filling out the survey! ***The following Program contains names, places and events that have been anonymized or fictionalized for the purposes of protection and safety. The following Program is provided for entertainment purposes only and any commentary from the hosts are strictly conjecture and should not be held as making any definitive statements about the truth or identity of any particular individuals or circumstances.If you or a loved one are involved in an abusive relationship, please call the National Domestic Violence Hotline at 1-800-799-7233 for support.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Scientists have uncovered a promising new strategy to weaken cancer cells' natural defense mechanisms, potentially making chemotherapy more effective. In a study published in Volume 16 of Oncotarget, researchers identified the protein PRDX1 as a key player in helping tumors resist treatment. By targeting this protein, they propose a novel way to combat aggressive, treatment-resistant cancers. Understanding Why Some Cancers Resist Treatment Chemotherapy works by damaging the DNA of cancer cells, forcing them to self-destruct. However, many cancers develop robust repair systems that fix this damage, allowing the tumor to survive and grow. A central component of this repair machinery is a protein called ATM, which acts like a first responder in the cell, detecting DNA damage and coordinating its repair. In ovarian cancer and other aggressive tumors, high levels of ATM have been associated with poor survival rates and resistance to chemotherapy. The Study: How PRDX1 Protects Cancer Cells The study, titled “PRDX1 protects ATM from arsenite-induced proteotoxicity and maintains its stability during DNA damage signaling,” was led by first author Reem Ali and corresponding author Dindial Ramotar from Hamad Bin Khalifa University in Qatar, in collaboration with researchers from the University of Nottingham in the UK. Full blog - https://www.oncotarget.org/2025/07/14/prdx1-identified-as-key-to-chemotherapy-resistance-in-cancer-cells/ Paper DOI - https://doi.org/10.18632/oncotarget.28720 Correspondence to - Dindial Ramotar - dramotar@hbku.edu.qa Video short - https://www.youtube.com/watch?v=suOhF7mPlNQ Sign up for free Altmetric alerts about this article - https://oncotarget.altmetric.com/details/email_updates?id=10.18632%2Foncotarget.28720 Subscribe for free publication alerts from Oncotarget - https://www.oncotarget.com/subscribe/ Keywords - cancer, redox signaling, homologous recombination, protein interaction, cell cycle, protein modification To learn more about Oncotarget, please visit https://www.oncotarget.com and connect with us: Facebook - https://www.facebook.com/Oncotarget/ X - https://twitter.com/oncotarget Instagram - https://www.instagram.com/oncotargetjrnl/ YouTube - https://www.youtube.com/@OncotargetJournal LinkedIn - https://www.linkedin.com/company/oncotarget Pinterest - https://www.pinterest.com/oncotarget/ Reddit - https://www.reddit.com/user/Oncotarget/ Spotify - https://open.spotify.com/show/0gRwT6BqYWJzxzmjPJwtVh MEDIA@IMPACTJOURNALS.COM

Goran Janković gost je Vladimira Stankovića u 185. epizodi podkasta Biznis priče.

Johnny Mac returns to Catalina Island with better preparations to enjoy the island's offerings. He highlights important tips like booking golf carts in advance and utilizing cash-back options at grocery stores to avoid ATM fees. The episode features an eco tour that explores Avalon's landmarks. Other activities include visiting the scenic 'Airport in the Sky,' parasailing, kayaking, and enjoying local cuisine at Antonio's Pizzeria. The episode wraps up with a beach visit and invites viewers to check out the previous Catalina Island episode (Epside 50)  for more about this awesome place.This episode wraps up a long stretch of continious travel.  We're planning our next trips and will be back soon!

It's no secret that banks are renegotiating how they manage branches. Many are scaling back the number of branches, but others are also transforming the spaces with technology such as digital signage.According to research from Markets.US, the digital signage banking market is expected to grow to $9.4 billion by 2034, up from $3.5 billion in 2024. The in-branch segment currently holds 56.8% of the market share as well.In today's episode of the Bank Customer Experience podcast, Bradley Cooper, editor and podcast host, is joined by Joseph Parrillo, director of security solutions and Scott Smith, VP of strategic solutions at Cook Solutions to discuss how banks are using digital signage today and what makes it a game changer.For example, banks are using digital signage not just inside the branch but in the drive-thru lane. By replacing legacy signage with a display, they are providing more information to customers and an overall improved banking experience.This extends to the ATM and ITM screens as well, as Smith discussed how some banks are partnering with local businesses to give out their coupon QR codes to customers on the displays, providing an intriguing marketing opportunity.Listen to the full podcast discussion above.

If posting “3 tips to…” content & jumping on the new Insta trending reel bandwagon every week worked to sell your high-ticket coaching offer like hotcakes… You'd be making $10K cash months by now…. You know you're a BRILLIANT coach. You literally don't know ANYONE in your niche who is better than you. But right now… your bank account looks more like ‘AMATEUR HOUR' than it does ‘THE GO-TO AUTHORITY IN MY NICHE' & you're ready to add an extra ZERO to your monthly sales. ✅ You have leads… but they're wishy-washy & tell you they ‘can't afford' your high-ticket offer. ✅ You create content… but the likes, views, & engagement never translate into DOLLARS. ✅ There's people in your DMs… but you can't shake the feeling that they've put you in the ‘friend-zone' instead of seeing you as a coach they NEED to hire immediately. You're a BRILLIANT COACH & you know your high-ticket offer has the power to change people's lives if they would just hire you & get on the inside. But in order to turn those likes, views, & engagement into SALES, you have shift your content from the ‘friendly coach next door' vibes into ‘I need to pay this woman right now.” & here's how you do that. By creating content that: ✅ Stops the scroll & commands attention from your ideal client. ✅ Weeds out wishy-washy leads who will never commit & only attracts HOT & READY buyers who tell you to “send the invoice.” ✅ Demands your ideal client rises up to meet your standards instead of watering down your messaging to try & befriend people into paying you. ✅ Creates major FOMO for your ideal client & shows them what they're missing by not sliding into your DMs & hiring you IMMEDIATELY. By combining your brilliant coaching brain with SPICY AS HECK content… …you'll have your ideal clients doing a double take when they see your posts & sliding into your DMs asking for more details on your high-ticket offer. & that's exactly why I created my no-brainer membership. So you can attract high-caliber leads for your high-ticket offer with EVERY SINGLE POST YOU MAKE. Introducing…

In this episode, I was lucky enough to interview Aubrey Amatelli, Founder and CEO of PayRio—the first payment provider focused exclusively on alternative medicine.Aubrey shared how her roots in Silicon Valley and a traditional finance career at JP Morgan eventually led her to launch PayRio, combining her passion for cannabis and her expertise in payments. She walked me through the complicated regulatory landscape that makes payment processing for cannabis so challenging and explained how PayRio uses creative, compliant workarounds like ATM rails and wallet tech to support dispensaries and e-commerce businesses.Aubrey also opened up about the emotional transition from corporate life to cannabis entrepreneurship, including the fear and eventual empowerment that came with “coming out” on LinkedIn. Aubrey discussed how her startup journey began with cold calls and a scrappy three-person team, and how PayRio has grown to serve both mom-and-pop dispensaries and multi-state operators alike.Let's drive all the way to San Francisco and dive into Aubrey Amatelli's bold leap from Wall Street to CBD tech in this episode of The First Customer!Guest Info:PayRiohttps://payrio.co/Aubrey Amatelli's LinkedInhttps://www.linkedin.com/in/aubreyamatelli/Connect with Jay on LinkedInhttps://www.linkedin.com/in/jayaigner/The First Customer Youtube Channelhttps://www.youtube.com/@thefirstcustomerpodcastThe First Customer podcast websitehttps://www.firstcustomerpodcast.comFollow The First Customer on LinkedInhttp://www.linkedin.com/company/the-first-customer-podcast/

“Therefore, since we have been made right in God’s sight by faith, we have peace with God because of what Jesus Christ our Lord has done for us. Because of our faith, Christ has brought us into this place of undeserved privilege where we now stand, and we confidently and joyfully look forward to sharing God’s glory.” (Romans 5:1–2 NLT) *Enjoying Pastor Greg's devotional podcast? Let us know what you think with this quick survey!* When we come to Christ, He not only forgives us of our sin, but He also justifies us. The apostle Paul explained justification in his letter to the Romans: “Therefore, since we have been made right in God’s sight by faith, we have peace with God because of what Jesus Christ our Lord has done for us” (Romans 5:1 NLT). Salvation has to do with what takes place in believers’ hearts, but justification has to do with our standing before God. In salvation, God gives us new life, but justification goes beyond that. When God justifies us, He declares us righteous in His sight. “Just-as-if-I’d never sinned” is one way the word justified has been explained. God not only forgives us, but He sees us as if we had never sinned. He removes our sin, and in its position, He places the perfect righteousness of Christ. That’s a difficult concept for a lot of people to grasp. Our human instinct is to remember those who wronged us. We elevate holding grudges to an art form. We like to throw around phrases like, “Revenge is a dish best served cold.” The Bible makes it clear, though, that God has a different way of looking at things. As far as He’s concerned, Jesus’ sacrifice on the cross—the blood He shed there—covers our sins. The apostle John put it this way: “But if we are living in the light, as God is in the light, then we have fellowship with each other, and the blood of Jesus, his Son, cleanses us from all sin” (1 John 1:7 NLT). The author of Hebrews wrote, “For without the shedding of blood, there is no forgiveness” (Hebrews 9:22 NLT). And the apostle Paul wrote, “Blessed are those whose transgressions are forgiven, whose sins are covered. Blessed is the one whose sin the Lord will never count against them” (Romans 4:7–8 NIV). When God looks at believers, He doesn’t see people who have failed Him time and time again. Instead, He sees His Son. And He made His feelings about His Son quite clear in Matthew 3:17: “This is my Son, whom I love; with him I am well pleased” (NIV). Sometimes we allow our sins to linger in our consciousness long after they’ve been forgiven. They live rent-free in our heads, messing with our self-esteem. In extreme cases, they can play havoc with our spiritual and emotional health. That’s why it’s important to see ourselves as God sees us. Imagine that your checking account is overdrawn, and you owe your bank thousands of dollars. Not knowing what else to do, you go to the ATM, enter your PIN, and discover that you have a balance of five million dollars. Best of all, it’s a legitimate transaction! You did nothing to earn it, but the windfall is yours. God has done something much more meaningful for those who believe in Christ. He has given us righteousness. He has made us justified. Reflection question: How would you explain justification to someone who’s struggling with guilt? Discuss Today's Devo in Harvest Discipleship! — The audio production of the podcast "Daily Devotions from Greg Laurie" utilizes Generative AI technology. This allows us to deliver consistent, high-quality content while preserving Harvest's mission to "know God and make Him known."All devotional content is written and owned by Pastor Greg Laurie. Listen to the Greg Laurie Podcast Become a Harvest PartnerSupport the show: https://harvest.org/supportSee omnystudio.com/listener for privacy information.

Deep dive with @libertylockpod on Palantir. Also discussing some of the latest from Iran and other topics. Check out Clints podcast @libertylockdownVideo will be probably be available for this episode down the line on spotify. Atm, I'm having a problem downloading it to upload from this hotel room. You can currently find the video version of this on Youtube or twitter: @Robbiethefire. www.porchtour.com - OKC + Granbury + Shreveport + moreThis sunday in houston texas at the secret group: https://www.eventbrite.com/e/robbie-the-fire-and-friends-tickets-1335225899609SPONSORS:Yokratom.comSheath.comFenixAmmo.com

This week on the Granger Smith Podcast, Granger welcomes back his brother Parker Smith—CEO of Yee Yee Apparel and the mastermind behind one of YouTube’s fastest-growing gun channels, YeeYee Life. They dive into the creative madness behind the viral videos (like shooting ATM machines and prison doors), sourcing wild items from Facebook Marketplace, and the deeper message behind faith-driven merchandise. The conversation takes a powerful turn as Granger shares a story of conviction sparked by a simple sandwich shop encounter and reflects on how even our wardrobe can be a witness to the Gospel. He opens up about an upcoming mission trip to Latin America, walking listeners through a fresh sermon he’s preparing on Luke 7—where Jesus forgives a sinful woman, and how it reveals our universal need for grace and forgiveness. Later, the guys get real about movies that make them cry (from Braveheart to Old Yeller), and tackle a thought-provoking listener question about Catholic vs. Protestant doctrine—covering topics like Mary’s sinlessness, transubstantiation, and sola scriptura. Whether you’re deep in theology or just want to hear brothers laugh about Tyler skipping the show for a massage, this episode balances humor, heart, and truth beautifully. ********************************************** CONNECT WITH MY PODCAST: Instagram► https://instagram.com/GrangerSmithPod YouTube► https://www.YouTube.com/@UCD1JSCn257RlatavklMALyg My NEW BOOK HERE▶ www.grangersmith.com APPAREL™️ GEAR ▶ https://YeeYeeApparel.com SUBSCRIBE HERE ▶ http://smarturl.it/gschannelsubscribe Subscribe to my family channel here ▶ http://youtube.com/TheSmithsTV TALK TO ME ON SOCIAL MEDIA: Instagram► https://instagram.com/GrangerSmith Facebook► https://facebook.com/GrangerSmith Twitter► https://twitter.com/GrangerSmith Website► https://GrangerSmith.com See omnystudio.com/listener for privacy information.