Podcasts about Average

Let's talk about the average net worth by every age, and how to make sure you save and invest enough money to stay on track. In this episode of the BiggerPockets Money podcast, Mindy Jensen and Scott Trench break down actual data to reveal the net worth benchmarks for the median, top 10%, top 5%, and top 1% of every age. If that isn't enough they then highlight specific strategies that work at each age to hit those benchmarks—from aggressive wealth-building tactics in your 20s and 30s to business ownership and real estate scaling in your 40s, to preservation strategies in your 50s and 60s. Whether you're behind and need to catch up or ahead and want to optimize, this episode gives you the roadmap for your decade so you can hit your financial independence goals. 00:00 Net Worth by Age - Are You on Track? 01:09 Defining Net Worth and FIRE Portfolio 02:44 Analyzing Net Worth by Age 03:58 Key Takeaways from Net Worth Data 12:03 How to Be in The Top 1-10% in Your 20s 16:17 How to Be in The Top 1-10% in Your 30s 21:17 How to Be in The Top 1-10% in Your 40s 25:22 How to Be in The Top 1-10% in Your 50s 30:51 How to Be in The Top 1-10% in Your 60s Learn more about your ad choices. Visit megaphone.fm/adchoices

Get AudioBooks for FreeBest Self-improvement MotivationBe Obsessed or Be Average. - The Growth ParadoxSuccess doesn't come to those who are interested — it comes to those who are obsessed. This powerful motivational message reminds you that average effort produces average results. If you want greatness, you must live and breathe your purpose. Be relentless. Be obsessed. Or stay average.Get AudioBooks for Free⁠We Need Your Love & Support ❤️https://buymeacoffee.com/myinspiration#Motivational_Speech#motivation #inspirational_quotes #motivationalspeech Get AudioBooks for Free Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

If you're longing for a life of more freedom, more feeling and more fulfilment, the answer could sound like a very average rendition of your favourite song... Astrid Jorgensen (OAM) is a conductor, composer and the founder and director of Pub Choir - a special kind of show that, under Astrid's guidance, sees thousands of strangers singing together in perfect harmony, all in under an hour. In this conversation, Astrid and Osher cover: What we truly gain by relinquishing perfectionism The immense benefit of being connected to others Why artistic expression is for all of us And much more. Pub Choir shows are happening near you SOON! Check here for details For more from Osher, including tickets to Story Club and for his new book 'So What, Now What?' head here This conversation contains references to disordered eating - for information and support, visit butterfly.org.auSee omnystudio.com/listener for privacy information.

Extreme Spring Heat Signals Catastrophically Hot Summer and Multi-Wave Bushfire Risk for AustraliaGuest: Jeremy Zakis Australian springtime is experiencing unseasonably hot temperatures, approximately 16°C above average. Western Australia recorded 110°F, while Sydney reached 80-90°F. This sustained heat is seen as an ominous sign of a catastrophically hot summer involving droughts and bushfires. However, temperatures are expected to plummet by up to 20°C later in the week. This rapid cycling between hot/dry and cool/wet weather poses a major risk, as rain promotes rapid undergrowth that could fuel second, third, or fourth waves of bushfires. Discussions of La Niña have vanished, focusing instead on Antarctic upper-level wind layers, which are about 30°C warmer. Long-term forecasting is currently "almost impossible." 1864 BUSHFIRE

Sometimes videogames are good. Sometimes they are not good. Sometimes your host and podcast commander Joseph Martin is compelled to tell you about the not good ones. Join him, James Pelster, Alex Jedraszczak, and Blu Ryder as they discuss such games of varying quality as - Videogames are too expensive - Virtual Boy Befuddlement - All the folks there are to see in MARVEL Cosmic Invasion - Blu interrogates the acclaim of Clair Obscur: Expedition 33  - Silksong and managing difficulty in videogames - Joe and James compare notes on Metroid Fusion - Joe's titular crash out over Metroid - Crystalis [Podcast Intro/Outro “5 is Average” by Meteo Xavier]

Travis Chappell has been a standout leader in online business, podcasting, and networking for the last decade. His story is a testament to what it takes to succeed in today's world, and the fundamentals you cannot neglect along the way.>> Subscribe to his YouTube Channel: Travis Makes Friends>> Follow Travis on Instagram @travischappell

Are you a “Just in Case” family? 

Kiera is joined by Dr. Lauryn Brunclik (of She Slays the Day podcast fame) to take a good hard look at clinician burnout, different sides of the working mindset coin, generational styles of work, and so much more. Episode resources: Subscribe to The Dental A-Team podcast Schedule a Practice Assessment Leave us a review Transcript: Kiera Dent (00:00) Hello, Dental A Team listeners. This is Kiera. And today I am so excited about our guest that's going to be on the podcast with me today. She is incredible. We're going to be talking about all things burnout, how to avoid it, how to just like live your best life. And so I have Dr. Lauryn Brunclik. She's an entrepreneur, chiropractor, business coach, podcast host, wife, mother, and sought-after speaker known for her high energy. You guys know that this is why I like her. mean, we're birds of the same feather, straightforward attitude and ability to make people laugh while discovering their truth.   In 2010, she founded Blue Hills Chiropractic building into a thriving seven figure practice. But after years of relentless hustle, she found herself overworked, tied to her clinic and craving more freedom. Dentist, can you relate? Now you see why I brought her on here. Now you can see why I want her here. ⁓ she truly is very similar to all of you out there. She was determined to create a business that worked for her, not the other way around. Lauryn built multiple revenue streams, streamlined her operations and reclaimed her time without sacrificing income.   She took that passion and launched She Slays the Day, a podcast helping professionals and clinic owners break free from burnout by creating multiple revenue streams, recleaning time and building financial and lifestyle freedom. So welcome to the show, Lauryn. How are you today?   Dr. Lauryn B (01:07) Thank you. As you   were reading that is so funny because like in this world of virtual assistants and AI, I'm always like, what bio is she reading? And I'm like kind of holding my breath like, ⁓ and I'm like, okay, yep, that's true. That's true. this is good. I did really get sad and burnt up. It's like, I just went on a journey with you while you're reading my bio.   Kiera Dent (01:25) Usually both.   You and me both. was on a podcast the other day and I had the exact same feeling because they were reading my bio and I was like, huh, I'm super curious. Like which bio did you get? And wow, yeah, like I did just get to go down memory lane. but   Dr. Lauryn B (01:40) You're   like, that's a good bio. Good job, AI. Good job. Which is like always waiting for like the wrong thing where it's like, no, I didn't do a stint as a clown or anything. No, that's not true. That's not true. So.   Kiera Dent (01:49) Exactly.   I, Shelbi got us connected and I was super excited and you know, I was looking up on it and she's like, here, I think you and Lauryn are going to have the best time on the podcast. She's like, you two are birds of the same feather, the high energy, the tactical, the like we talk about it's like life on purpose and business on purpose and not having it to where it's the other way around. I say all the time, like your business should be working for you, not the other way around. It should be supporting your life. So I'm just super jazzed. So Lauryn.   Dr. Lauryn B (02:04) Mm.   Kiera Dent (02:17) I mean, that was a great bio. agree like kudos to AI, virtual assistant, whomever wrote it for you. Kudos to you for living that actual bio and being the human on the other side of that. So anything else you want to add? I mean, we're here today to chat shop. We're here to ⁓ share with your audience, our audience, and just really collaborate together and talk about some things that you're super passionate about and that I am too.   Dr. Lauryn B (02:22) Right.   Yeah, so I think that one of the things is that, you you kind of address of like, I think you probably typically have more dentists on   of thing and your audience is like, wait, what's happening? So I started as a coach for chiropractors, you   Kiera Dent (02:51) you   Dr. Lauryn B (02:56) this is, I see this a lot of what we do ⁓ as especially high achieving people, you know, we spend a lot of money and time getting this degree. And then we kind of, when we start to get   bored, burnt out, ADHD, whatever it is in our career where there's this kind of a couple years in and you're like, wait, is this on repeat? What we tend to do is we repurpose our current knowledge set. And so it's like, I have this degree in this, so I'm gonna start a podcast for those people, right? And so that was kind of my experience too. She Slays the Day started as a podcast for chiropractors.   But then I started to realize like as we were having these conversations and you you're just networking, you're meeting. And I started to talk to dentists and veterinarians and you know, realizing like, ⁓ you guys deal with the same shit we do? I had an ENT on a private practice, ENT ⁓ on the podcast, on my podcast because I was following him on Instagram because he was hilarious, but I was like.   Kiera Dent (03:51) Yeah.   Dr. Lauryn B (04:02) you're dealing with the same stuff we do. And ultimately, that's kind of where I expanded in 2023 to be more for healthcare providers outside the traditional hospital system, because it's like, none of us learned business. Like, we, while we were doing anatomy and infectious disease and all of this stuff, there were people outside in the college getting like MBAs and entire business degrees.   Kiera Dent (04:18) Exactly.   Dr. Lauryn B (04:31) And we didn't take a single class. we just, there's such this atmosphere of shameful entrepreneurship. What I mean by that is like, especially within chiropractic, and I've talked to vets and dentists as well, that's like, well, if you're not gonna own your own clinic, are you even like really that good? And so there's this forced entrepreneurship in a society where only 10 % of   Kiera Dent (04:54) Mm-hmm.   Dr. Lauryn B (05:01) people truly have the grit and resilience for the shit show that is ⁓ entrepreneurship. But you have like 80 to 90 % of a profession going into it. And so it's just so natural that it's like, we didn't learn this stuff. It's so natural that burnout is such a common thing. So that's where really it's like, I've realized that like, yeah, I promise you that the same stuff we're dealing with, you're dealing with too because I've had these conversations.   Kiera Dent (05:13) Right.   Amen. And it's actually funny, and I didn't mention this prior, but we actually consulted a chiropractic office and we've consulted eye clinics and ⁓ optometrists and we've gone into CPA clinic firms. And I realized business is business is business and healthcare business is very similar. I think we do ⁓ outside of mainstream medicine, which is our chiropractic, our vets, our dentists.   We're not in the hospital setting. We have more of that autonomy to have our own practices and our own businesses and I agree with you. It is a I think I think the memes out there with business ownership are so accurate the ones where you're on a roller coaster and they're like it's the highs and the lows the ones we're like holding on for dear life and you're like giggling and then crying all within a matter of seconds and I'm like that is the role that is the realm and so that's why I really wanted us to collaborate together Lauryn to talk about because   What you see in chiropractic, what I see in dentistry, what we see across the board of these incredible clinicians. like you, go to school, you learn, you, you have all this experience in this knowledge. And like you said, It does not train you to be a business owner. yet also, like you said, it's well, why not? Like, and I think that that is kind of the, it's like for team members, like you want to graduate to be the office manager. You want to be the regional manager. You want to get to that level. Like that's where you like it. There's a ladder ascension. And I think in business ownership and with   Like you wanted to be a chiropractor because you wanted to help people. You wanted to be a dentist because you want to help people. You want to be a vet because you want to help people. You want to be an ENT because you want to help people. But it's, think that there's this unsaid natural ladder that people feel there's a push to go for a business ownership when it's like, but I just want to be a clinician. I just wanted to, to do my craft, but I also wanted to do it my way. And that's where I think the business ownership vibe comes in. But you're right. It's, it's stressful, not having profits, not having   understanding cashflow, not understanding how to run teams. Like awful.   Dr. Lauryn B (07:20) The number of people,   doc, clinic owners that have been in practice for 10 plus years that I am teaching what profit margins are and what is healthy and how to calculate it is astounding. It's like, So, you know, I think that ultimately when you, you know, the different personality types, you know, when they find themselves in practice,   Kiera Dent (07:31) Yes. Yes.   Yes.   Dr. Lauryn B (07:46) I feel like they almost burn out for two completely different reasons. So let's say that you have, know, so 80 % of humans are just more meant to be more like caregivers, supporter roles. I would guess that that's even higher in someone who's called into healthcare, right? That like, they went into this, believe me, if you are about to decide what you should do with your life and you are like, I'm an entrepreneur and I wanna be.   Kiera Dent (08:05) Mm-hmm.   Dr. Lauryn B (08:15) rich. Do not go into chiropractic. Do not go into dentistry. There is so much easier ways to make money. like 99 point whatever percent of people are called to this profession in healthcare because they want to serve. So let's say you start your clinic. There's a good chance you're going to burn out from one of two reasons. One, you don't want to run a clinic. You truly   And that's what's burning you out, is that you're just like, I am here for the patients. I want to pour into the patients and I want to serve and I want to do that. But like, I have to hire another front desk person? Didn't we just do that last year? I don't know what the ad should say. I don't know what we should pay them. Or like there's office drama and you're like, I have to create a SOP on that, what? And so that will burn you out because so much of being the CEO and the clinic owner is like,   pulling you away from patient care. So you either have to divide your patient care down or in half so you have time and now you're spending half of your time not doing what you wanna do or you just pile on the admin stuff on top of it so you're working 60 hours a week. So that person, obviously they burn out. Now the other one is I think a much more, like is much more my personal story and I'm so curious as to like why you started the podcast, why you started doing what you're doing but like.   Kiera Dent (09:30) Mm-hmm. Right.   Dr. Lauryn B (09:43) So this is, I was not someone that like was a natural entrepreneur. Like I never would have, you there's certain people you hear these stories where they're like, I'm kindergarten. was like, you know, I'm like, no, that wasn't me. Like I had no idea until really after I, you know, I started my practice, but that was out of convenience. Cause there was no job. Like I had kids and like somewhere along the line, the entrepreneurship bug just got me.   Kiera Dent (09:56) Hahaha!   Dr. Lauryn B (10:13) And then all of a sudden, that's what I wanted to be doing. Like I wanted to be scaling, looking at marketing strategy, looking at like growth projections, creating higher, like I wanted to do that. But then like Barb needs me in a room too. And I'm like, like I love, okay, I like serving. Yes, yes, yes. But like I really.   Kiera Dent (10:36) Yeah.   Dr. Lauryn B (10:41) This is what was exciting to me. And so then, and this is where I'll kind of like be vulnerable and share my story, because I know from stage that this helps people, people see this, but it's embarrassing to admit, but the patient care became boring. The patient care became repetitive. Like in the beginning, you're like, ⁓ how do I fix this? And like, you're not getting results, how do I do that? And it was this problem, like new problems to solve.   But once you've been doing it, five, seven years, I mean, for everybody it's different, you're kind of like, I can do that on autopilot. And it wasn't challenging a part of my brain that wanted to solve new problems. And so there was a lot of shame and guilt that came with, because at this point, I've been in practice seven years. I'm in my early 30s. Okay, well, you're doing this for the next 30 years. And I was like, I can't.   Kiera Dent (11:38) Right.   Dr. Lauryn B (11:39) can't do this for the next 30 years. And so that's just like, whichever side a clinic owner sees themself in, like, you you're not safe on either. You have to figure out burnout on either side, but ⁓ they're completely different reasonings. And I think understanding what, why are you feeling that burnout is really important.   Kiera Dent (12:04) Yeah, I love that you talked about both sides of the coin because I think there's guilt at least from what I see working with dentists working at myself. They actually got like I've heard I don't know like where this is coined but it's like the seven year itch or stitch like there's like you just kind of get into this and some people get it at five years some people get it at 10 years but there is ⁓ I also love Tony Robbins when he says like progress equals happiness.   Dr. Lauryn B (12:20) Mm-hmm.   Kiera Dent (12:29) And so if we're not progressing and some people love it, they love the autopilot of patient care is easy for me. But like when you first get out of school, all of that is hard. It's a puzzle. You're progressing. You've got to figure out how do you navigate and get patients to say yes to treatment? How do I run my books? Like how, like there's so much how, how, how to, how do I like serve my patients better? How do I make this for dentists? It's like, do I make that perfect crown margin? Like, how do get that perfect? I imagine in chiropractor, I'm actually a chiropractor.   all the time. I love her. She's incredible. We do talk business often. She's a fee for service. And I'm like, let's talk shop on like going fee for service versus in network, like, just like dentists, right, the fee for service versus in network. And it's how can I make this body like looking at people that have weird symptoms and trying to figure out how can I fix that? Like, I know there's a way to fix this long term. ⁓ But also the like annoyance of running a business and also be like,   need for growth. I really love and I never thought about those two sides of the coin until you mentioned that of that really is what causes people to stress. And I think that there is guilt on both sides. I think there's guilt of I want to be with patient care and I don't want to run the business, but I know I have to like, this is kind of the, the card I signed up for. And then the other side of I want to leave the chair. I had a dentist the other day and one of our masterminds say to me, I only want to work two or three days, but I feel guilty because my team's working five days. And I was like,   Dr. Lauryn B (13:52) That's   a really common one.   Kiera Dent (13:54) so good. And the great news is you built the business, like you provided them the job, like you've created that. That does not mean you need to stay in the day to day, five days a week, like whatever is best for you as the business owner and creator. And that can shift and morph. But there is a lot of guilt. I think that that creates, like you said, a lot of shaming and thanks for being vulnerable on that because I think so many people can relate to that. I think when people are listening, they're like, yes, yes. Like, I feel either side of that and   I think people don't know how to get out of it. So instead it's just this like, let me keep doing the same. ⁓ let me listen to other podcasts. Let me see if other people are like me. And I'm sure it's the same in chiropractic dentistry. say that it's like this isolated Island and I'm so grateful for podcasts. I'm grateful for communities, but I still think people feel that way because you're day in day out in your own clinic, in your own practice by yourself, even though you maybe know there's a few other islands out there that are maybe similar to you. ⁓ but I think it's such a, I think that's also business too.   Dr. Lauryn B (14:36) Mm-hmm.   Kiera Dent (14:52) I don't think it's just being ⁓ a provider in your own practice. I business entrepreneurs feel this way as well, like, how can everybody else figure this out? And I don't feel like I can. ⁓   Dr. Lauryn B (15:00) And you have no idea that they haven't figured it out. I was at   a seven figure female mastermind a month ago. so it's all seven figure females all over the board, as far as like industry striving to get to eight figures. And like, there were so many moments at this retreat that every single person just felt like their business was duct taped together. And it's just like, everybody's just doing their   Kiera Dent (15:07) you   Dr. Lauryn B (15:29) absolute damn best. And so it is really, ⁓ but you know, I wonder how much of how much of this burnout conversation has to do with like generational differences. You know, like, I'm assuming that you are a millennial. Yeah. And yeah, I know, we really are the best. really are. Don't tell everybody else, but we are the best generation. ⁓   Kiera Dent (15:46) Mm-hmm. Yep. I like the emojis. I'm here for all the millennial vibes. Like, I'm here for all of them. I feel like I really fit it.   Dr. Lauryn B (15:59) And so I will point this out on stage a lot because when you're talking, giving continuing ed, you'll have a lot of, Gen X is still in the workforce. Like they are still here. from the time I was in school up until like the last couple of years, they really were a lot of the stage presence at conferences.   Kiera Dent (16:12) Mm-hmm.   Yes.   Dr. Lauryn B (16:28) And so you being a millennial would sit and really just get advice, business success, career advice through the lens of Gen X. And why that's something that we just have to be aware of is like each generation has a very different script that they have downloaded, like they've just absorbed kind of.   automatically without putting too much thought into, know, it's just like the culture of their generation. And Gen X was like, shut up, don't complain about it. There is work life balance. Like your career is the most important thing. Like raising your kids, like you have a spouse for that and you will enjoy your life once you have accumulated enough money.   And if you've done it right, that'll happen by your like 60, between 60 and 65. But the goal is to hustle, hustle, hustle, accumulate, accumulate, accumulate at all costs. You can enjoy your life if you need a second, if you need to get a divorce and you just get a new spouse in your sixties, that's what like, and so like not trying to give them shit or anything. Their work ethic is phenomenal. My favorite employees are Gen X. Yeah. Yeah.   Kiera Dent (17:41) I always love to hire them. I was like, perfect, come on in, you're gonna work forever. Like, it's great, amazing.   Dr. Lauryn B (17:47) So they're great. But then like we come in and you know, I know that in chiropractic now 50 % of graduates are females. Do you know what that is in dentistry?   Kiera Dent (17:58) Dentistry   actually tipped over. There's more females that are graduating than there are men. It just recently tipped this scale, which I was quite impressed by, which is awesome. So it's exciting.   Dr. Lauryn B (18:09) It's so cool,   but we're kind of screwed because we as millennials, we're not going to not have children. We're not going to delegate that completely to somebody else. I mean, my husband, I'm definitely the primary breadwinner in my husband's profession or career has like molded to what our family needs are, but like.   Kiera Dent (18:13) Mm-hmm.   Dr. Lauryn B (18:35) So we're not gonna do that, we're not gonna do that, like we're not gonna give up our career. And so it's not like we're complaining about work-life balance, it's just a necessity. We're like, no, no, no, it's not like I'm like, like I, it's like, no, this isn't I want to raise my child, it's I have a child, I have to raise them also and the business. And so like we're trying to figure out, like, well, I can't follow that script.   Kiera Dent (18:47) Right.   Dr. Lauryn B (19:05) that script that we saw from stage for so long is just like, that's not gonna work for me. we're trying, that's why everything feels duct taped together is because we actively reject it. We were given a script to follow, like work six days a week, just do it. And we're like, nah, I don't want that. And it's like, okay, well then we're literally creating a new path. And so to any millennial, I would say like, if it just feels   Kiera Dent (19:15) Mm-hmm.   Dr. Lauryn B (19:34) messy, this probably isn't a youth thing. This is like, are truly carving a brand new way to do things, which we're kind of wasting our time because Gen Z is coming in like, no, I'm not doing that either. And we're like, we're fixing this for you. And they're like two months into their, yeah, they're like two months into their profession and like, ooh, 30 hours a week? That's not gonna work for me.   Kiera Dent (19:44) was going to say, they're coming right behind. Exactly.   They're like, no, no, no, no. We see that. We're not doing that either.   Yeah, not happening.   No, they're like, I could be a YouTube, like I could I could do all these different things. I can be an influencer for like five hours a week and make way more than you are not here for that.   Dr. Lauryn B (20:10) And you're like, well,   I don't know how to solve this for you.   Kiera Dent (20:13) they're like AI,   why are guys like still doing stuff yourselves? Like, no, we're gonna have robots to do all this stuff for us. Like, absolutely not. It's incredible. Like, good. But I don't disagree with you. I think it's ⁓ and as you said that I thought about how agreed and I think every generation actually makes it better from the last and I do agree that ⁓ I don't know, I started thinking about it. This struck me about probably, I don't know, eight years ago. And I'm like,   Dr. Lauryn B (20:20) He probably will. Like, damn it.   Kiera Dent (20:42) my gosh, like people used to get married because they needed to be married. Like you used to have to have like a husband and a wife to be able to have kids. And I'm like, you don't need that anymore. There's IVF, there's ⁓ different things that you can do. You do not need anybody anymore to live the life you want to live. It's very much becoming this like self ability. But I'm like, our parents couldn't do that. I mean, women even coming to the forefront to be able to have businesses.   to own land in our name. Like that has not been a long change and shift for women to be here. And then I also think that there's a whole dynamic for women as well coming into this scene. Like you said, they are coming in there. We're, having stronger professions. are being stronger business owners. We're like the kid having children is being delayed much longer in life. And so I do think it's a, a walking through and not understanding like where are we even supposed to go? Because what we've seen as the model isn't the model for us anymore.   like that doesn't work. Our lives look different. I mean, my mom, didn't work a lot of my friends moms didn't work or if they did, they worked at the schools or they didn't work like high level powered careers, a lot of them and I'm so excited that women are coming into the workforce and because there's so much talent and beauty. But I do think that there's a whole dynamic and for men too. think that the whole shifting like you said, a lot of women are becoming breadwinners. They do.   Dr. Lauryn B (21:41) Mm-hmm.   yeah, they want to be dads. Like that's the   thing too is like, they're like, hey, I just cause I'm a dude doesn't mean like I'm okay with missing my kid's childhood. It truly is a generational shift.   Kiera Dent (22:11) Exactly   Exactly. And so I think I just through all of it, I think you're highlighting what makes me excited. And the reason I'm just like jazzed about this today is it's normal. It's okay. And there's solutions around it. And also, I think just aha moments of, my gosh, like maybe this is why. And I do agree. Generations behind the millennials, you're probably giggling at our conversation right here. Like, yeah, yeah, yeah, you guys don't even know what you're talking about. But I think like we're in it. Exactly.   Dr. Lauryn B (22:41) Hey, we say you don't know what you're talking about.   Kiera Dent (22:44) I'm like, but we're in it and there has to be a solution here.   Dr. Lauryn B (22:44) Hey! I have the microphone.   Kiera Dent (22:48) Who's on this podcast and who's listening? All right. I think when I look at that, I'm like, but for millennials, think that they're, and most generations probably feel this. think we're a taffy stretch between one way of thinking and a new way of thinking. And we're kind of that like middle child syndrome right now where we really are trying to carve that new path that's making it easier for other generations behind us to see easier modalities.   But I do think that that kind of tug of war, I mean, I feel it, you felt it. We've had our personal experiences through it. We see people, we coach people through this, we work with people. But I also think in a way life has become easier to learn. I don't know how you feel. And like easier with air quotes, meaning there's so many things that do things for us. Like washer and dryers were so great for our parents' generations. But I'm like, for us, we now have, like you said at the beginning, we have AI that's writing bios for us. We've got virtual assistants that are doing it.   There's ways, like you said, there's easier ways to make money outside of just doing your day in, day out, eight to five job now. There's different ways that we can build retirement. There's ways like the Airbnb market and having real estate investments. Like there's so many different ways that I feel like wealth is oftentimes easier to achieve. But I think with that, because there's so many things and not to say that it's perfectly easy, but I think as we conquer in life, just like the washer and dryer, the cell phone, like those things were conquering big problems.   Google coming in and the internet taking over, those conquered a lot of challenges. I think so much of today's challenge, and I don't know how you feel, Lauryn. This is like Kiera going off on her own soapbox. I feel like you said so much of it now is our mind and that space of centeredness, of balance, ⁓ not having to work all the time. I think a lot of jobs have shifted from labor jobs to mental labor jobs. So we're not having as much physical.   Dr. Lauryn B (24:32) Hmm.   Kiera Dent (24:35) Like you said, patient care can be a lot of just like mindless. I miss the days sometimes of being a dental assistant, sitting there and having like hours of time to dream of all these ideas to where now I feel like I wish and crave for that quietness that my mind never gets anymore. And so I feel like even with some of those shifts and how we work and how our family needs are in the necessities of family dynamics in, we don't need to work clear up to 65, but people are able to retire now at 35, 40. And then it's like, now what, what am I supposed to do? So also then finding your purpose in life.   I think you combine all that into a cluster storm and voila, welcome to millennial dilemma. Like, you know, we can coin that of what do people do? How do they, how do they exist? And I think the future generations coming will have even more of this at more grand scale. So it's like, let's have conversations of how do we prevent that burnout? How do we have the conversations about not working in like having nothing left to give to our families of having that balance? Like you said, if I want to run the business and I want to progress, but I also want to be a human at the same time.   So Lauryn, think you're more the expert at this than I am. I'm just here for the like great conversations and talking it through because I think it's such a necessary conversation that now is starting to really bubble to the surface out of necessity and also out of curiosity and also out of like desire to fix this and not have it be our day in day out norm anymore.   Dr. Lauryn B (25:54) Yeah, well, so I'm gonna say another kind of controversial thing then. ⁓ So you touched on it and like with any time, we don't love, as care providers, we don't wanna come across as greedy, right? And so what we end up doing is like, we'll just be like, it would be great to be wealthy, but like not too much, like I don't need to be rich, and you didn't do this or anything like this, but like.   Kiera Dent (25:57) Ready, I love this.   Dr. Lauryn B (26:22) other people is just like, yeah, I would like to make a little more money. ⁓ so part of my story, ⁓ I'll give you the very short version, was ⁓ we had our most successful revenue year ever. And it was with like the least amount of money I had taken home in like seven years. Yeah, yeah, we call this payroll bloat. You need to fix your pricing structure so we could talk about pricing increases.   Kiera Dent (26:42) Happens all the time, all the time.   Dr. Lauryn B (26:50) And so like I'm a cash clinic. So like this was my own fault. This was, I set my prices and I just did a bad job at it. And so part of like, if when people are like, well, how did you like, were you burnt out? And I was like, yeah, I was burnt out at like 32. And you're like, are you burnt out? I'm like, no, I freaking love what I do now. I still serve patients 10 hours a week. actually.   as of last week went down to like seven. We got a chef, yay. So I still serve patients like seven hours a week. I still spend probably like three hours a week ⁓ running meetings and like running the clinic. ⁓ But now we have other investments. ⁓ Whereas that clinic portion that used to be all of our eggs were in that basket.   Kiera Dent (27:22) I'm not.   Dr. Lauryn B (27:46) Right? So like, as we had kids, my husband left corporate consulting to help our family and clinic grow. So all of our eggs were in this one basket of whether the clinic does well that quarter or not. we want to remodel the kitchen? Better go get some more new patients. Like, want to go to Disney? It's not in the budget, but like, ugh, like all of these things. And we're not even talking about time freedom. Like we're just talking about like the key to burnout is having time freedom and   financial freedom. When I'm working with docs, the ones that are like the hardest to fix are not the ones that are like, I am working 60 hours a week. I have like oodles of money that I know should be like, I should be doing something with in, but it's just like $50,000 in this bank account. And like, I wish I had time to go to Disney, but I don't, I don't want to belittle that. That is a different kind of burnout.   Kiera Dent (28:32) Mm-hmm.   Right,   it is.   Dr. Lauryn B (28:45) and   everybody right now is playing a little sad song for you, but I relate to you, we can fix this. But the harder ones are the ones that are broke. Like being broke, and this has to do with like just core psychological, like I reference Maslow's hierarchy of needs a lot in my talks because like.   Kiera Dent (28:49) Mm-hmm.   I agree.   Mm-hmm.   Dr. Lauryn B (29:07) You cannot get to the tip, the Maslow's for those of us that took Psych 101 10 years ago is the triangle where at the top is enlightenment and at the bottom is like your base survival, food, water, shelter. And if you are broke, now granted, monks, I'm sure they can figure out how to have enlightenment without having food, water, shelter. Most of us cannot, okay? We are doctors and there is a certain amount of debt.   Kiera Dent (29:12) Mm-hmm.   I agree.   Dr. Lauryn B (29:34) and a certain amount of expectation is maybe the right, I don't know if that's the right word, with like, I'm gonna serve people and this career is gonna take care of me. I'm gonna go into debt and it's a lot of debt, but this career is gonna take care of me. I'm gonna care for people, as long as I focus on serving, the career will take care of me. And we have too many people that it's just not. And they're like, I...   did not realize that I was going to struggle this much financially. These are not people that are like, can't afford a yacht. These are people like truly who are like my margins for financial investing and building wealth are a lot more narrow than I thought they were going to be. And that's a harder thing to fix, but that...   Kiera Dent (30:22) Hmm.   Dr. Lauryn B (30:27) is a deeper kind of burnout that we just need to be more comfortable. Again, following generational stuff, Gen X, like we don't talk about money, right? That was the script that we got from them of like, you just focus on the patients and the patients will take care of you. And you're like, ⁓ okay, so we don't talk about money. And then millennials are like, I think we need to start talking about money. I think we need to start talking about money because if you were being paid,   Kiera Dent (30:38) Bye.   Hahaha!   Dr. Lauryn B (30:56) whatever you feel is appropriate. If you were feeling wealthy. And again, I'm not talking about that. I'm not putting on you that like you feel like you need to be making $3 million a year. Like, although that is my goal for next year is 3 million. just, but like, you know, just so we're clear, that is my literal goal for next year. So you can want that. You have permission to want that if you want, but we're talking about like, I don't know. Maybe if you made $500,000 a year, life would be a little easier and you could breathe.   Kiera Dent (31:10) Yeah, exactly.   Dr. Lauryn B (31:26) And if you can literally financially breathe, you have more bandwidth   make calm decisions for your business. Where you don't feel like if you have a bad quarter, you're gonna have to lay someone off. And like that's one of the first steps to helping most people   burnout or recover from burnout.   is like, we gotta talk about money and we gotta fix your personal financial situation because if you're constantly in a place of fight or flight   you can give yourself an extra 10 hours a week and time to be the CEO if all you're doing is worrying about how you're gonna make payroll. Like, it's not, you're not gonna   from burnout.   Kiera Dent (32:22) think that that was such a good ⁓ way that you highlighted it. And I'm just very curious now, like, how's the how, because agree, like people, what you're saying, Lauryn, I can tell you've lived the like the life. This is something that you've done, you've been there, you can speak to it so authentically. I've been there many times. And I'm always like, I want our doctors to get paid so well. I see how much you go into school for debt.   I see the, and I think that that's a different piece too, if we're to talk generational, people who are not walking out like half a million debt.   Dr. Lauryn B (32:55) And y'all are way worse than us,   right? Like what's the average dentist, like 350?   Kiera Dent (33:01) Average dentists right now are coming out at almost half a mil of debt when they walk in. It's bonkers.   Dr. Lauryn B (33:05) That is bonkers, you guys. Like when I heard that, because I posted a reel that went   so viral and it was just about like healthcare debt and reimbursement rates. And that's when I learned they were like, 250? Talk to a dentist. And I was like, wait, why? How long? And they were like, yeah, 350 minimum. And I was like,   Kiera Dent (33:25) Yeah.   Dr. Lauryn B (33:30) That's insane. That's insane.   Kiera Dent (33:32) That's insane.   And then you go buy a practice. So the practice that I helped start with a dentist straight out of school, we were, I called her 2.5. I got to walk by and I'm like, get that spine up like you're 2.5. We were 2.5 mil in debt. So that was coming with student loans. So schooling was 500,000. Living expenses during that time were about another, you know, two to 500. So like they're walking out with this.   $500, $600, $700,000 worth of debt, not just including your schooling, but all of life expenses, because you're probably not working while you're going to school. And then we went and bought a practice that's about a $2 million practice. So we were like 2.5, not like we were 2.5 in debt. I was like, keep that spine up, like put your hands up when you walk across the street, like you've got to keep those hands in motion because otherwise how are we going to get out of debt? And I think for me, when I look at that much debt,   when I look at that much risk and I look at the benefits that healthcare providers are giving, I'm like, no. And I tell teams all the time, I'm you want your doctor to be ridiculously wealthy. Like I do, and I preach this hard and I say, no, you should and you deserve it. And we want you that way because you're a better boss, you're a better clinician, you are better at doing your services because you're not stressed about making money. So we're not like you said, like, I want to go to Disney, let me go find more patients. I get.   No, I have confident, predictable payroll or cash flow. I'm very successful in what I do and you can make the margins there. Like I was the girl who did business that did not understand numbers. And now I say like, I love numbers and numbers definitely love me. And I'm like, it's now just a fun math equation. If I want to make X amount, you just back it down. You figure out what your costs are and you figure out the three levers you can use. We either drop our overhead, increase our production and or our collections. Like it's very simple when I'm like, okay, got it.   Dr. Lauryn B (35:05) and   Kiera Dent (35:17) Like got it when it's just those three levers, people make it so much more complex. And I think it does feel complex. Like reading a PNL is ridiculous. If you don't know what that is, that's okay. We're here where there's no judgment. It's a profit and loss statement. And I love educating people on this. Like this is where the fire in the belly comes. This is where it does. We get lit up because when I have someone who's cashflow positive, like you said, they can make calm decisions. They're not sitting here stressing all the time, but Lauryn, I'm very curious. Like you've talked about it at length. Like what do people do? Like what's the how, how do we get into this?   How do we have multiple streams because agreed all eggs in one basket? gosh. It's, ⁓ to me, that's like just a ticking time bomb. Like one bad day, one bad patient, one bad procedure. Like it's just going to explode because you're sitting like you're sitting on the edge of fear all the time to where you are in like cortisol adrenaline, like you are pumping. And then what you do is you go into complete shutdown because you can't handle it anymore. So your body and your system literally like just shuts down on you. You become apathetic to life.   Dr. Lauryn B (35:54) Mm-hmm.   Kiera Dent (36:15) things aren't exciting for you anymore. You become very numb to walking through the world. And it's like, I feel like the world of color goes into very like gray. It's very subtle. It's like, it's, there's no, there's no life left. It's just, are living life, but you're not actually being and living day in, out.   The Dental A Team (36:33) that wraps part one of our part two series. Be sure to tune back in for part two of this podcast. And as always, thanks for listening and I'll catch you next time on the Dental A Team Podcast.  

Big Tim is trying to mow the lawn for Keke and she is NOT having it. Plus, find out why Nick got ghosted on Waiting by the Phone from the vault!See omnystudio.com/listener for privacy information.

Nick is confused why his date Marina won't call him back after a fun night out together... Find out why he got ghosted!See omnystudio.com/listener for privacy information.

This intense motivational speeches compilation is for those who refuse to accept mediocrity as their destiny. It's a declaration that discipline, consistency, and mindset will separate you from the crowd and push you toward the extraordinary. If average isn't in your DNA, this is your call to rise above limits and become everything you were meant to be. If you find this episode enjoyable, kindly RATE, SHARE, and FOLLOW for more Instagram - @daily_motivationsorg Facebook- @daily_motivationsorg Kindly support us Support Us

Nadine Dorries was once a Tory loyalist and Boris Johnson's closest ally — now she's defected to Reform UK, the party leading the polls under Nigel Farage. She claims Farage is the only leader who can deliver the change communities need, but are Reform's headline promises really workable? And how does Dorries reconcile joining a party whose leader launches blistering attacks on her old boss, Boris Johnson? She joins Cathy Newman for her first sit down interview since defecting.

Lindsie kicks today off with a morning dose of chaos. She shares the unexpected text from ex-husband Will, talks about the wonders of a Brazilian Blowout, and recounts her string of suspicious flat tires. Lindsie gives her thoughts on "Part of Your World," which she deeply resonated with, sparking a discussion about personal life similarities and the emotional impact of literature. Kristen can't bring herself to even think about living in a tiny home community in Texas where women live together without men, but appreciates the effort being made for a peaceful life. They also tackle the "one and done family" phenomenon, exploring the financial, emotional, and societal factors influencing the decline of the average family size.Follow us @TheSouthernTeaPodcast for more!See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Jason interviews Colton Pace, the founder and CEO of OwnWell, who explains how his company helps homeowners reduce their property tax assessments through data mining and targeted marketing. Colton discusses the company's success rate in helping customers save money through property tax appeals, with their service operating on a contingency fee basis and offering free initial reviews. The interview covers OwnWell's current operations across multiple states, including their valuation methodologies and the timeline for property tax appeals, with plans for future expansion. https://jasonhartman.com/propertytax #PropertyTaxes #ReducePropertyTaxes #Ownwell #ColtonPace #TaxAssessmentDispute #RealEstateSavings #OverAssessed #ContingencyFee #TaxConsultant #SaveMoney #AssetManagement #FamilyOffices #DataMining #PropertyAppeal #ResidentialRealEstate #CommercialProperties   Key Takeaways: 1:47 An easy way to save money  5:19 Depends on geography 8:30 A more established neighborhood 10:06 Average cost savings 10:47 Straightforward path to saving money 12:45 How long till assessments come in 14:23 Special offer: JasonHartman.com/PropertyTax     Follow Jason on TWITTER, INSTAGRAM & LINKEDIN Twitter.com/JasonHartmanROI Instagram.com/jasonhartman1/ Linkedin.com/in/jasonhartmaninvestor/ Call our Investment Counselors at: 1-800-HARTMAN (US) or visit: https://www.jasonhartman.com/ Free Class:  Easily get up to $250,000 in funding for real estate, business or anything else: http://JasonHartman.com/Fund CYA Protect Your Assets, Save Taxes & Estate Planning: http://JasonHartman.com/Protect Get wholesale real estate deals for investment or build a great business – Free Course: https://www.jasonhartman.com/deals Special Offer from Ron LeGrand: https://JasonHartman.com/Ron Free Mini-Book on Pandemic Investing: https://www.PandemicInvesting.com

Here is the latest update from Fox Weather with Stephen Morgan. Learn more about your ad choices. Visit podcastchoices.com/adchoices

OPEN HEAVENSMATALA LE LAGI MO LE ASO TOFI 2 OKETOPA 2025(tusia e Pastor EA Adeboye) Manatu Autu:  E tatau ona e inoino i le feoloolo (You must hate average) Tauloto Tusi Paia –  Filipi 3:13 “Le ‘au uso e, ‘ou te lē manatu ‘ua ‘ou maua, a o le mea e tasi ‘ou te faia, ‘ou te fa‘agalogalo i mea ‘ua tuana‘i, ‘ou te momo‘e punou a‘i fo‘i i mea o lumana‘i.”‭‭Faitauga - Tusi Paia: Teuteronome 28:8-13A e inoino i se mea, e te faia soo se mea ina ia alofia ai. A'o ou aoga i le tulagalua, o matou ma a'u uo e toalua e faamatua i le matematika. Peitai e ui e masani ona sili atu ma le 90% matou maka, e fai mai lava la matou faiaoga matematika e lē lelei a matou maka ona e le maua le 100%. Ae iai le aso na matou maua ai le tai 100% ona matou faapea lea, ‘tatou ō e vaai le faiaoga poo le a lana tala o le fai i le taimi nei'. Ua matou o atu ia te ia ma le fiafia, ae na vave uma lo matou fiafia ina ua faapea mai, ‘o le tou augatupulaga la ua oo i le Iunivesite o loo suesuea tali i fuaiupu fuainumera faigata ao outou lea tou te matua fiafua i le 100% o le numera faigofie o le tulagalua”. O ana upu ia na amata ai ona ou inoino i le feololo ae taulai loa i le matua sili atoatoa. O le mea lea ou te lē fiafia ai pe a ou vaai i tagata o fiafia i le feololo. I ni tausaga e tele talu ai, ina ua faasalalau iuga o suega i kolisi maualuluga i Nigeria ma o le faatulagaina o maka e amata mai i le maualuga o le 1, faasolo atu i le 2, 3, ae faaiu i le Pasi. Sa iai se pule aoga o se aoga na matua fiafia ina ua ausia e se tamaitiiti o lana aoga mo le taimi muamua le maka 3. Peitai i se tasi aoga, na matua tagi le pule aoga ona o se tamaititi o lana aoga mo le taimi muamua, ua paū maualalo lona maka i le 3. E pei ona faaalia i le faitauga o le Tusi Paia o le asō, o le finagalo o le Atua mo lana fanau ina ia i luga. O lona uiga e lē tatau ona malie se kerisiano i le feololo. Afai ua e manatu ua e ausia le maualuga e mafai ona e oo iai, e tatau ona e iloa, o lena tulaga e amata ai isi tagata. I le Esekielu 47:1-12, na faaali e le Atua ia Esekielu, se tamaloa ma se manoa e fuatia kupita e afe, ao amata ona siitia le vai. Na amata mai i tapuvae seia oo i tuli, ona oo atu lea i le sulugatiti seia avea ma vaitafe tele. E iai tagata e oo atu i manuia i tapuvae ma manatu ua taunuu, ae lē malamalama o loo iai isi tulaga e sili atu o loo faatali mai mo latou. I le 2 Tupu 2:1-15, o atalii o perofeta sa malilie i le feololo, peitai o Elisaia na taumafai atu mo le faaluaina o le faauuga ma le agaga o Elia. Na silafia e atalii o perofeta ua lata ona aveesea Elia, ma sa latou iloa lelei e oo mai lea aso. Peitai sa malilie i le maua o le faaaliga ae lei saili mo le mana. Ao Elisaia, e lei malie i le feololo, ma sa faaaogaina o ia e le Alii, sa matua matautia, e lē faagaloina lona igoa. O tagata e malilie i le feololo e lē iloa e nisi. Le au pele e, fai loa sau faaiuga ina ia e ausia le maualuga ma le tulaga pito sili ona lelei ua saunia e le Atua mo oe. Aua e te malie i le feololo, i le suafa o Iesu, Amene. 

Above average temperatures and below average precipitation continue full 123 Tue, 30 Sep 2025 10:59:48 +0000 oYbDBkcrssz6BLNZ5py3TF7dKDx3cX29 emailnewsletter,news KRLD All Local emailnewsletter,news Above average temperatures and below average precipitation continue A dive into the top headlines in Dallas Fort Worth, delivering the news you need in 10 minutes or less multiple times a day. 2024 © 2021 Audacy, Inc. News False https://player.amperwavep

Today I am taking time to answer a listener question about the key things I did to go from average to an Elite athlete in hybrid racing. To work with me via online personal training click here.To get access to my DEKA workshops, click here. Follow me on Instagram and Facebook!

Shoot us a Text.Episode #1158: EV sales spiked before the tax credit expired, but a slowdown looms. J.D. Power names the brands best at keeping loyal customers. And Apple quietly tests a Siri revamp while leaning on Google to stay in the AI race.Show Notes with links:U.S. auto sales stayed stronger than expected this summer, but analysts now warn the industry may face a softer fourth quarter as affordability challenges and waning incentives take hold.September SAAR reached 16.2M, boosted by a surge in EV purchases before the $7,500 credit expired.EVs made up over 12% of September retail sales, with Q3 EV share hitting a record 10%.GM, Toyota, Ford, and Hyundai continue to grow share, while Stellantis is on its ninth straight quarterly decline.Analysts expect full-year sales of 16.1M, slightly above 2024 but below the current pace.“The federal tax credit was a key catalyst for EV adoption, and its expiration marks a pivotal moment,” said Cox's Stephanie Valdez Streaty.Despite tariffs rattling the market, brand loyalty is holding strong for trusted automakers like Toyota, Honda, and Ford. J.D. Power's 2025 U.S. Automotive Brand Loyalty Study shows loyalty dipped slightly below 50% overall, but top brands are still keeping customers in the family.Average brand loyalty across all nameplates is 49%, down from 51% last year.Toyota leads mass market cars at 62%, with Honda close behind.Honda tops mass market SUVs at 62%, just ahead of Subaru.Ford trucks earn the highest loyalty in the entire study at 66.6%.Tyson Jominy of J.D. Power ““Brand loyalty matters to vehicle buyers because it's often associated with higher residual values, making vehicles from trusted brands a more financially sound choice over time.””Apple is testing a new internal chatbot, Veritas, to speed up Siri's long-delayed AI overhaul. While employees are using it to prototype smarter features, Apple looks increasingly likely to lean on Google's Gemini for consumer-facing AI.Veritas is being used to test Siri upgrades like searching personal data and editing photos.The tool functions like ChatGPT or Gemini, with conversational history and deeper follow-ups.Apple has delayed its Siri revamp multiple times, with Apple Intelligence drawing lukewarm reviews.For now, Veritas will remain internal — a move Bloomberg's Mark Gurman calls a mistake.Apple may outsource search AI to Google, signaling it's behind in the race to integrate AI.0:00 Intro with Paul J Daly and Kyle Mountsier1:30 The More Than Cars Launch on October 1 - morethancars.com4:59 September Retail Auto Sales Strong7:54 JD Power Brand Loyalty SurJoin Paul J Daly and Kyle Mountsier every morning for the Automotive State of the Union podcast as they connect the dots across car dealerships, retail trends, emerging tech like AI, and cultural shifts—bringing clarity, speed, and people-first insight to automotive leaders navigating a rapidly changing industry.Get the Daily Push Back email at https://www.asotu.com/ JOIN the conversation on LinkedIn at: https://www.linkedin.com/company/asotu/

Steve Avo Lindsey in conversation with David Eastaugh  https://linktr.ee/steveavolindsey A nervous suitor, a guitarist at the end of his Strat and his tether, wistful ex-partners on a work trip to Wales. Art school Futurists and singalongs in Cooper's Bar, Denmark Street and suburbia's (two) ups and downs – and earbudded Londoners on the Tube, sailing away on their own private playlists. “In my head,” confides STEVE ‘AVO' LINDSEY, making his solo long-playing debut just five decades into his music career, “this sounds like a Nick Lowe album.”   But given that PING is the work of the Wirral-born bassist of DEAF SCHOOL and frontman of new wave chart act THE PLANETS who would later become a music exec known for his ears and acumen, it's hardly surprising that these twelve tracks offer more than just fond footnotes to Lowe.   Factor in Lindsey's love of Donald Fagen and Jimmy Webb, Arctic Monkeys and Tom Waits, Todd Rundgren and Nashville-style storytelling, and his lo-fi, groove-driven takes on Motown, and you'll have an idea of what to expect from this joyful, playful, gorgeously varied sheaf of love letters to music and Merseyside, sweaters and Swordfishtrombones.   Listen to tracks like the finger-clicking soul of ‘Beautiful 45' and the bottoms-up vaudeville of ‘Cheers My Dears', the rockaway baroque pop of ‘Royal Iris' and the sultry Latinisms of ‘To Know You Better', and you'll also hear warm and winning musical contributions from family and friends: Lindsey's daughter Uainín Lindsey on backing vocals; the late Tony ‘Wims' Wimshurst, ex-Planets and Nasty Pop, on lead guitar; and drummer Josh McCartney, the nephew of a local lad named Paul.   But first, some back story. When Deaf School invented itself in 1974 at Liverpool College of Art, Lindsey, one of two Steves in the band, modestly opted for the moniker Mr Average. Deaf School would become (nearly) famous for its extravagant Sparks-via-Kurt Weill pop and its distinctly un-average cast of sirens, showmen, keyboard philosophers and future superstar producers.

A very special guest today as we speak to Lewis from "English with Lewis". He has a very interesting story to tell and is (luckily) not your average Brit! Find out what life in the north of England is like as well as many other places around the world! So get the headphones on and just keeeeeeeeep on ROCKin', baby! 

This episode is sponsored by dating app Feeld, the dating app for open minded individuals. Download the Feeld app here now! https://feeld.onelink.me/TRZt/relatablesJoin Patreon for an extra episode every week https://patreon.com/Relatables69?utm_medium=unknown&utm_source=join_link&utm_campaign=creatorshare_creator&utm_content=copyLinkSubmit dilemmas here https://docs.google.com/forms/d/e/1FAIpQLSeKM10OrFJ31YMNe-AcSeasc08QpLJyonbwUcMm9l_KWvfsRg/viewformTIMECODE0:00 Intro 2:02 Jakes life 10:15 Otties Life21:45 What made you realise a good man is just an average woman37:56 Dilemma144:52 Dilemma 250:45 Comments52: 43 Baddie sign off #dating #menareaverage #relatable

Astrid Jorgensen used her love of communal singing to build Pub Choir - a concept she took all the way to America's Got Talent. The idea involves turning a theatre of regular people into a choir and with Jorgensen's tuition and a PowerPoint, any group can sing a three-part harmony. She used her experience to craft a memoir - Average At Best. "Can everyone learn to sing and win a Grammy Award? Absolutely not. But can everyone physically sing? Yes! If you can talk, it's the exact same mechanisms that help you to sing." LISTEN ABOVESee omnystudio.com/listener for privacy information.

Bob becomes a golden goose grabber! Or does he? Join Average Boy and Jesse in this podcast episode as Bob faces his fear . . . of geese! Hear all about the invasion of these flying finger-nippers and discover how a gaggle of geese turns into a flock. All of this action is followed by a special Q&A segment where Bob and Jesse tackle a question from a listener about how to share your faith with a friend who’s not a Christian. Click here to see the new Average Boy book title and cover! Click here to visit the Average Boy Store to gain access to books, devotionals, subscriptions to Clubhouse Magazine, and much more! We'd love to hear from you! Visit our Homepage to leave us a voicemail. If you enjoyed listening to The Official Average Boy Podcast, please give us your feedback.

Bob becomes a golden goose grabber! Or does he? Join Average Boy and Jesse in this podcast episode as Bob faces his fear . . . of geese! Hear all about the invasion of these flying finger-nippers and discover how a gaggle of geese turns into a flock. All of this action is followed by a special QA segment where Bob and Jesse tackle a question from a listener about how to share your faith with a friend who's not a Christian. Click here to see the new Average Boy book title and cover! Click here to visit the Average Boy Store to gain access to books, devotionals, subscriptions to Clubhouse Magazine, and much more! We'd love to hear from you! Visit our Homepage to leave us a voicemail. If you enjoyed listening to The Official Average Boy Podcast, please give us your feedback. To support this ministry financially, visit: https://www.oneplace.com/donate/1443/29

✅ Get your copy of Super Properties: https://www.amazon.com/Super-Properties-Step-Step-Investment/dp/B0FH31LQJR/?utm_source=Youtube&utm_medium=description&utm_campaign=Super%2520Properties&utm_term=super%2520properties%252C%2520book ✅ FREE tool and training to grade properties instantly & spot winners faster: https://go.buildstrwealth.com/superpropertygrader

Minnesota continues to bask in warmer temperatures, blurring our seasons together. “If you break it up month by month, the biggest change we've seen is Septembers,” said Pete Boulay, assistant state climatologist with the Minnesota State Climate Office. “September is evolving into an extension of summer.”Average temperatures for the fall season have been warming up about one degree a decade since 1970. “Averages used to be, statewide, about 55 degrees,” Boulay said. “Now we're about 61 degrees for September temperatures, and we've had a lot more warmer than cooler Septembers since 2010.”MPR News chief meteorologist Paul Huttner talked with Boulay about the state's fastest warming month and how it could impact fall colors. To hear the full conversation, click play on the audio player above or subscribe to the Climate Cast podcast.

AP correspondent Alex Veiga has the latest on U.S. mortgage rates.

Our AVERAGE Dealer is Selling 94% of Their Inventory a Month, and our 12 Year Anniversary Lotwalk.com #first30

#ThisMorning | On #Average, #Americans #Pay $50,000 for a #New #Car | Ray McGrath, Automobile Enthusiast | #Tunein: broadcastretirementnetwork.com #Aging, #Finance, #Lifestyle, #Privacy, #Retirement, #Wellness

Originally Aired September 24, 2025: Nick and Josh bobbleheads. Pro Bowl MILFs. Everything you've ever wanted to know about fart bombs. Listen & subscribe to the show on Apple Podcasts, Spotify or Amazon Music. For more, visit https://www.93x.com/half-assed-morning-show/Follow the Half-Assed Morning Show:Twitter/X: @93XHAMSFacebook: @93XHAMSInstagram: @93XHAMSEmail the show: HAMS93X@gmail.com See omnystudio.com/listener for privacy information.

This episode of Talking Real Money tackles myths about the Federal Reserve and interest rates, explains why mortgage and Treasury rates don't automatically follow Fed moves, and reminds listeners that markets usually price in expected changes. Don and Tom then pop the cork on wine investing, showing that after costs it performs about as well as plain bonds—and far worse than a 60/40 portfolio. They compare wine and tobacco “sin stocks,” highlight the volatility of individual companies like Constellation Brands and Altria, and use that as a cautionary lesson against stock-picking. Listener calls cover asset location strategies (Roth vs. taxable vs. HSA), the realities of buffer ETFs, and how to evaluate fiduciary firms like Prairie View Partners (now Savant). As always, the conclusion is clear: keep it simple, diversify, and drink the wine instead of investing in it. 0:04 Old-fashioned call-in intro and Fed rate cut discussion 1:33 Myths about Fed decisions and mortgage/consumer loan rates 3:21 Treasury yields, market reactions, and rate expectations through 2026 6:16 Why markets often anticipate rate changes in advance 7:40 Transition into alternatives and “exciting” investments 9:03 Wine as an investment: storage, insurance, dealer costs 10:38 Average returns vs. net after-cost reality (bonds beat wine) 12:46 Stocks and bonds outperform—“invest in markets, drink the wine” 14:08 Constellation Brands stock history as a volatility case study 17:37 Altria (tobacco) stock comparison and “sin stock” volatility lesson 20:16 Small percentage of individual stocks outperform T-bills (Bessembinder research) 21:39 Listener: Asset location strategy (taxable, Roth, HSA) 24:58 ETFs changing the asset location conversation 27:10 Treatment of HSAs as Roth-like for medical use vs. IRA-like otherwise 28:42 Listener: Buffer funds (“boomer candy”) and why they're costly gimmicks 32:54 Reminder that many investors panic out of markets at the worst times 33:42 Listener: Emergency fund and avoiding 1099s (spoiler: you can't) 34:58 Listener: Evaluating fiduciary firm Prairie View Partners (merged with Savant) Learn more about your ad choices. Visit megaphone.fm/adchoices

On this episode of The Team Chip Podcast, Chip Townsend sits down with guest Jason Matthews to unpack what it really takes to move from average to elite. This episode is about mindset, discernment, and making the daily choices that push you forward. Chip and Jason talk about growth, surrounding yourself with the right influences, staying grounded in your own calling, and navigating the distractions that can pull leaders off course.

6:30AM Hour 1 - Jeremy White and Joe DiBiase take a call from a listener who is concerned about Bills DE Greg Rousseau's performance. The guys break down some of Rousseau's advanced stats and discuss where he needs to improve.

Sometimes the sharpest edge of motivation doesn't come from within—it's delivered straight from the outside. Darren Hardy shares an unforgettable lesson about how the right kind of push can awaken fire you didn't even know was there. Prepare to see drive in a whole new light! Get more personal mentoring from Darren each day. Go to DarrenDaily at http://darrendaily.com/join to learn more.

In Today's Episode: Host: Brandon Elliott,  https://zez.am/brandonelliottinvestments Guest: with Colton Pace ⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯ Resourceful Links:  How To Get Up To $500,000 Every 6 Months At 0%: https://www.creditcounselelite.com/ Get Your Most Accurate Credit Report:https://myfreescorenow.com/enroll/?AID=COUNSELELITELLC&PID=18983 Best Credit Cards: https://milevalue.com/best-credit-cards/?aff=cce Free Credit Education Resources: https://creditcounselelite.com/articles Guide to Taking Massive Action: https://amzn.to/2IZMN8Z LEARN MORE CLICK HERE: https://www.creditcounselelite.com/fb-start-here ⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯ Meet Your Host, Brandon:  Brandon Elliott went from being off track finding himself on house arrest and burning 40% of his body to getting on track reaching $8.5 million in Assets and being acknowledged part of the "Top 100 Yahoo Finance" by using Credit Cards to buy small multi-family and scaling his businesses using the exact strategies taught in Credit Counsel Elite (CCE). CCE teaches business owners how to get up to $500,000 every 6 months at 0%. By being a member with CCE, you get to learn how to Travel Hack, get access to the 800 FICO Score Club in 30 days or less, fix credit quickly, receive $5K-15K+ of free sign up bonuses, buy Real Estate with Credit Cards, deep dive into Business Credit and Personal credit. To learn more visit: https://www.creditcounselelite.com/ ⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯⎯ Connect with Brandon Elliott:  Facebook: https://www.facebook.com/brandonelliottinvestor YouTube: https://www.youtube.com/@BrandonElliottInvestments Instagram: https://www.instagram.com/brandonelliottinvestments LinkedIn: https://www.linkedin.com/in/brandon-elliott-6b1643148

When you are working towards a result like losing weight or getting off medication, it can be hard to wait. It is frustrating when the scale doesn't move as quickly as you want or your business doesn't take off right away. It is normal to struggle with patience because patience isn't something that comes naturally. It is a skill you need to develop. Lisa lost over 60 pounds and has kept it off; she launched a successful business that is going strong and growing ten years later, eliminated chronic stress from her life, and has embraced living in Radical Obedience ™. Those accomplishments took an above-average level of patience. In this episode, Lisa shares how she found, activated, and maintained her patience. She explains why it is challenging and offers ways to shift your mindset to achieve the above-average level of patience needed to be successful, overcome doubt, and reach your goals.  Regardless of whether your goal is centered on improving your health, finances, relationships, or career, learning how to be patient and maintain your patience is one of the most challenging obstacles to success. Turn in to learn strategies for approaching patience as a skill and the impact above-average patience will have on your journey to becoming the best version of yourself.   LIVE IN LANSING, MICHIGAN Mark your calendars! On September 27th to October 3rd, join me and Dr. Eric Thomas in Lansing, MI for a transformative event on eliminating chronic stress. Learn how to eliminate chronic stress and embrace a healthier mindset. This is just the beginning, as we follow up with a week-long virtual series packed with actionable strategies. Click here to RSVP now!   FREE STRESS ASSESSMENT Feeling tired, foggy, or on edge? Stress could be stealing your energy, but you can take it back. Lisa's free Stress Assessment reveals the hidden ways stress shows up and how to eliminate it for good. Click here to take the quiz. Know your score. Reclaim your peace.   READY TO STOP SECOND-GUESSING AND START LIVING IN RADICAL ALIGNMENT? The waitlist for Clarity™ is open. Clarity™ is an exclusive plant-based mastermind for high achievers ready to trade confusion for conviction, fear for faith, and stress for sustainable peace. If you're craving clarity, courage, and community, this is your next move. Apply here.   COACH ME LIVE SESSION If today's episode hit home, why not bring your question directly to the mic? Lisa is now offering complimentary Coach Me Live sessions where podcast listeners get coached live on air. If you're building your wellness brand or just need clarity on your next step, this is for you. Request your Coach Me Live spot   LINKS AND RESOURCES — Visit https://www.lisaangelsmith.com/ to learn about our programs   FOLLOW ME — Instagram: @lisaangelsmith Facebook: @ThePlantBasedFoodie LinkedIn: @lisaangelsmith Website: https://www.lisaangelsmith.com/   RATE, REVIEW, & FOLLOW PODCAST – If you love the content and find it valuable, please consider rating, reviewing, and following my show! New episodes drop weekly, and if you're not following, there's a good chance you'll miss out.

The lights flicker. The basement smells faintly of stale pizza and dread. Somewhere in the distance, a door creaks — or maybe that was just Randall adjusting his chair. Tonight, we're stepping into the World of Darkness, where average people stumble into a nightmare of vampires, monsters, and game mechanics that hit harder than a ghost with a grudge. In this episode, we invite you to join us for the first chapter of our How to Play Hunter: The Reckoning series. Expect desperation, danger, and just enough emotional depth to make you wonder if your dice are haunted. If you've ever wanted to play D&D but with more existential dread and less fireball spam, this is the episode for you. Support Ash on StartPlaying If listening to Ash wrangle dice, monsters, and Tyler's rules arguments has you thinking, “I need this chaos in my life,” then good news: you can. Ash Ely is running games on StartPlaying.Games, and he'll happily lead you into the World of Darkness (or any world, really) — no flashlight required. Support Ash, book a session, and experience firsthand what happens when your emotional depth meets his desperation mechanics. Just… don't be surprised if your character cries before you do. Show Notes Welcome to the very first episode in our How to Play Hunter: The Reckoning series — or as Tyler kept calling it before coffee, “Hunter the Gathering.” In this kickoff, your hosts Tyler, Randall, and Ash dive fang-first into the World of Darkness, exploring the emotional depth of role-playing games and why letting your character cry on-mic is sometimes the most powerful game mechanic of all. We'll peel back the layers of Hunter: The Reckoning's history, from its complicated editions to its enduring reputation as “the game where average people fight vampires, demons, and the IRS.” Along the way, we'll tackle the unique desperation and danger mechanics that make every dice roll feel like a bad Tinder date, and unpack how creeds and organizations give hunters wildly different vibes — from religious zealots to conspiracy theorists with poor Wi-Fi. Expect detours into D&D, vampire hunting jokes that are definitely not OSHA-approved, and at least one argument about whether lighting in performance art really matters when you're sitting in a dimly lit basement with a bag of Cheetos. Key Takeaways Emotional depth matters: vulnerability in RPG storytelling makes for unforgettable campaigns. Average people, extraordinary stakes: Hunter: The Reckoning lets you role-play regular humans versus supernatural horrors. Creeds and organizations define hunters: conflicting goals keep character drama spicy. Mechanics that hurt (in a good way): desperation and danger rules crank up tension like horror movies with jump scares. Monster design isn't about stats: creating monsters with real motivations makes them terrifyingly relatable. Storytelling as a mirror: RPGs like Hunter reflect players' inner conflicts and emotional experiences. Hunter history is messy: multiple editions, controversies, and fan debates make for excellent nerd fights. Lighting matters… apparently: whether on stage or at the table, atmosphere changes how the story hits. Tyler Tiny Videos Want even more advice on how to play tabletop roleplaying games without committing to a three-hour lecture or a fifty-page rulebook? Tyler Kamstra's got you covered with his Tiny Videos on social media. They're short, sharp, and just chaotic enough to make you laugh while actually learning something useful for your next D&D or Hunter: The Reckoning session. Go watch Tyler's Tiny Videos — because good tabletop tips should fit between scrolling memes and doomscrolling the news. Welcome to the RPGBOT Podcast. If you love Dungeons & Dragons, Pathfinder, and tabletop RPGs, this is the podcast for you. Support the show for free: Rate and review us on Apple Podcasts, Spotify, or any podcast app. It helps new listeners find the best RPG podcast for D&D and Pathfinder players. Level up your experience: Join us on Patreon to unlock ad-free access to RPGBOT.net and the RPGBOT Podcast, chat with us and the community on the RPGBOT Discord, and jump into live-streamed RPG podcast recordings. Support while you shop: Use our Amazon affiliate link at https://amzn.to/3NwElxQ and help us keep building tools and guides for the RPG community. Meet the Hosts Tyler Kamstra – Master of mechanics, seeing the Pathfinder action economy like Neo in the Matrix. Randall James – Lore buff and technologist, always ready to debate which Lord of the Rings edition reigns supreme. Ash Ely – Resident cynic, chaos agent, and AI's worst nightmare, bringing pure table-flipping RPG podcast energy. Join the RPGBOT team where fantasy roleplaying meets real strategy, sarcasm, and community chaos. How to Find Us: In-depth articles, guides, handbooks, reviews, news on Tabletop Role Playing at RPGBOT.net Tyler Kamstra BlueSky: @rpgbot.net TikTok: @RPGBOTDOTNET Ash Ely Professional Game Master on StartPlaying.Games BlueSky: @GravenAshes YouTube: @ashravenmedia Randall James BlueSky: @GrimoireRPG Amateurjack.com Read Melancon: A Grimoire Tale (affiliate link) Producer Dan @Lzr_illuminati

In this episode of Excess Returns, we sit down with Sam Ro to revisit his widely read post “10 Stock Market Truths” and explore how each principle holds up in today's market. From the long game of investing to short-term risks, valuations, AI, and earnings, Sam shares a timeless framework for navigating markets and separating noise from signal.Topics covered:• Why the long game is undefeated• Short-term volatility and how to prepare for it• The myth of average returns• Asymmetric upside in markets and stocks• AI as both opportunity and risk• Earnings as the ultimate driver of stock prices• Why valuations don't predict the next year• The role of uncertainty and hidden risks• Turnover and evolution within the stock market• Why the stock market isn't the economyTimestamps:00:00 Average returns are misleading02:00 Introducing Sam Ro02:15 Truth #1: The long game is undefeated08:40 Truth #2: You can get smoked in the short term14:20 Do markets have a government backstop?18:00 Truth #3: The myth of average returns23:00 Truth #4: Asymmetric upside28:00 AI as macro and micro driver33:00 Truth #5: Earnings drive stock prices36:30 Truth #6: Valuations won't tell you much about next year51:40 Truth #7: There will always be something to worry about55:20 Truth #8: The destabilizing risks are the ones people aren't talking about01:05:00 Truth #9: There's a lot of turnover in markets01:11:00 Truth #10: The stock market isn't the economy01:20:00 Closing thoughts

Get AudioBooks for FreeBest Self-improvement MotivationBe Obsessed or Be Average Unlocking the Growth Paradox | Discover how obsession drives success while balance fuels growth. Learn the paradox behind peak performance and why average is never enough.Get AudioBooks for Free⁠We Need Your Love & Support ❤️https://buymeacoffee.com/myinspiration#Motivational_Speech#motivation #inspirational_quotes #motivationalspeech Get AudioBooks for Free Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

It's the Ranch It Up Radio Show Herd It Here Weekly Report!  A 3-minute look at cattle markets, reports, news info, or anything that has to do with those of us who live at the end of dirt roads.  Join Jeff 'Tigger' Erhardt, the Boss Lady Rebecca Wanner aka 'BEC' by subscribing on your favorite podcasting app or on the Ranch It Up Radio Show YouTube Channel. Beef Packer Margins Rebound To Record U.S. Beef Packer Margins Turn Positive After Labor Day as Wholesale Prices Hit Record Highs Beef packer margins in the U.S. rebounded into positive territory during the first week after Labor Day, fueled by record-setting wholesale beef prices, according to the latest Beef Profit Tracker from Drovers. U.S. Beef Packer Margins Turn Positive After Labor Day as Wholesale Prices Hit Record Highs For the week ending September 6, the Comprehensive Cutout Value climbed $5 from the prior week to its highest level on record. With fed cattle priced at $244.44/cwt, packer margins averaged an estimated $38.05 per head, a sharp turnaround from the $9.50/head loss posted the week before. Feedlots Report Strong Cattle Feeding Margins Feedlot profitability also strengthened. Average 5-Area Direct Steers traded at $242.62/cwt, well above the estimated breakeven of $192.35/cwt. That left calculated feeding margins at an impressive $703.74/head, compared to $662.03 the previous week and only $90.42/head during the same period in 2023. Beef Production Declines, Margins Improve Even with lower cattle slaughter numbers — 487,000 head versus 565,000 head the prior week — packer and feedlot profits improved. Fed plant capacity utilization dropped to 67.8% from 78.6%, while cow plant utilization fell to 53%. Outlook: Tight Supply and Strong Demand Support Fall Profits The data underscores a tightened beef supply chain paired with strong consumer demand, setting the stage for continued profitability for both cattle feeders and beef packers heading into fall 2025. REFERENCE:  https://meatingplace.com/beef-packer-margins-rebound-to-record/ Upcoming Bull & Heifer Sales On RanchChannel.Com Lot's of bull and heifer sales coming up on the RanchChannel.Com sale calendar.  Check out the full line up HERE. SPONSORS American Gelbvieh Association https://gelbvieh.org/ @AmericanGelbvieh Axiota Animal Health https://axiota.com/ @AxiotaAnimalHealth Jorgensen Land & Cattle https://jorgensenfarms.com/ @JorLandCat Ranch Channel https://ranchchannel.com/ @RanchChannel Superior Livestock Auctions https://superiorlivestock.com/ @SuperiorLivestockAuctions Wulf Cattle https://www.wulfcattle.com/ @WulfCattle Questions & Concerns From The Field? Call or Text your questions, or comments to 707-RANCH20 or 707-726-2420 Or email RanchItUpShow@gmail.com FOLLOW Facebook/Instagram: @RanchItUpShow SUBSCRIBE to the Ranch It Up YouTube Channel: @ranchitup Website: RanchItUpShow.com https://ranchitupshow.com/ The Ranch It Up Podcast is available on ALL podcasting apps. https://ranchitup.podbean.com/ Rural America is center-stage on this outfit. AND how is that? Because of Tigger & BEC... Live This Western Lifestyle. Tigger & BEC represent the Working Ranch world by providing the cowboys, cowgirls, beef cattle producers & successful farmers the knowledge and education needed to bring high-quality beef & meat to your table for dinner. Learn more about Jeff 'Tigger' Erhardt & Rebecca Wanner aka BEC here: TiggerandBEC.com https://tiggerandbec.com/

Get a FREE Posing eBook from The Portrait System here: https://the-portrait-system.lpages.co/podcast-pose-funnel/Today, on The Portrait System Podcast, we are re-releasing a very special episode where host Nikki Closser interviews Boston-based empowerment photographer Lindsay Hite. Listen in as Lindsay tells us all about how she connects with clients through consultation and how she built her business up to a $5k sales average. Don't miss out on this incredible interview!PODCAST LISTENER SPECIAL!! If you want to get started with the Portrait System, get a special discount using code “POD7” to get one month access for just $7 here https://theportraitsystem.com/pricing/IG https://www.instagram.com/theportraitsystem/YouTube https://www.youtube.com/c/theportraitsystemSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Credit card debt is weighing heavily on Americans, with the average balance now at $8,550. A new study from BestMoney finds that 76% of people say their debt is mostly due to their own choices — from small impulse buys to stress-driven spending. In this episode, Kathy Fettke breaks down the survey results, the emotions fueling overspending, and what it all means for homebuyers and real estate investors. JOIN US AT OUR RealWealth® EVENT:  www.realwealth.com/1031  FOLLOW OUR PODCASTS Real Wealth Show: Real Estate Investing Podcast https://link.chtbl.com/RWS SOURCE: https://www.bestmoney.com/credit-cards/learn-more/psychology-of-credit-card-debt

- Get NordVPN with a special discount - https://www.nordvpn.com/goodareas- Get an exclusive 15% discount on Saily data plans! Use code 'goodareas' at checkout. Download Saily app or go to:https://saily.com/goodareas-This week on Wagon Wheel Jarrod shares his thoughts on what the ideal sweet spot for average and strike rates in different formats. Talking about why Bradman was good for 1000th time. Handshake gate. And whether Kenya could have gone down a different path if they got Test Status in 2003.-You can buy my new book 'The Art of Batting' here:India: https://amzn.in/d/8nt6RU1UK: https://www.amazon.co.uk/dp/1399416545-To support the podcast please go to our Patreon page. https://www.patreon.com/user?u=32090121. Jarrod also now has a Buy Me A Coffee link, for those who would prefer to support the shows there: https://www.buymeacoffee.com/jarrodkimber.Each week, Jarrod Kimber hosts a live talk show on a Youtube live stream, where you can pop in and ask Jarrod a question live on air. Find Jarrod on Youtube here: https://www.youtube.com/c/JarrodKimberYT.To check out my video podcasts on Youtube : https://youtube.com/@JarrodKimberPodcasts-This podcast is edited and mixed by Ishit Kuberkar, he's at https://instagram.com/soundpotionstudio & https://twitter.com/ishitkMukunda Bandreddi is in charge of our video side. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Get a FREE Posing eBook from The Portrait System here: https://the-portrait-system.lpages.co/podcast-pose-funnel/Today, on The Portrait System Podcast, host, educator and photographer Nikki Closser interviews Abygail and Juan Padilla. Abygail and Juan have achieved amazing success shooting quinceneaneras with an average sale of $4500. Listen in as they tell us all about how they run, shoot and market their thriving business. Don't miss out on today's interview!PODCAST LISTENER SPECIAL!! If you want to get started with the Portrait System, get a special discount using code “POD7” to get one month access for just $7 here https://theportraitsystem.com/pricing/IG https://www.instagram.com/theportraitsystem/YouTube https://www.youtube.com/c/theportraitsystemSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Are you working longer than you need to because of a retirement planning mistake? One of the biggest misconceptions is assuming you will spend the same amount every year in retirement. The reality is different, and understanding it could change when you retire.Experts call it the retirement smile. In your “go-go years” (65–75), spending is highest. Travel, hobbies, and experiences often run $60,000 to $65,000 a year for the average household. In the “slow-go years” (76–85), spending usually drops to $50,000 to $55,000 as travel slows down. Then come the “no-go years” (86+), where overall expenses dip but healthcare costs rise, creating the curve that completes the smile.At Root Financial, many of our clients with $1.5 to $3.5 million in assets might spend $150,000 to $200,000 early on, adjust to $100,000 to $150,000 mid-retirement, and later see healthcare push costs back up to $150,000 to $250,000. The lesson is clear. Planning with a flat budget often means you are overestimating your needs, delaying retirement, or underspending when you could be living more fully. A flexible withdrawal approach, starting around 5 percent, creates freedom while protecting long-term security.Do not let financial fear rob you of retirement joy. Whether it is traveling to the World Cup or simply extending family vacations, understanding your retirement smile can help you step into retirement with confidence and peace of mind.-Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation.The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal.Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate, and should not be considered testimonials or endorsementsParticipation in the Retirement Planning Academy or Early Retirement Academy does not create an advisory relationship with Root Financial. These programs are educational in nature and are not a substitute for personalized financial advice. Advisory services are offered only under a written agreement with Root Financial.Create Your Custom Early Retirement Strategy HereGet access to the same software I use for my clients and join the Early Retirement Academy hereAri Taublieb, CFP ®, MBA is the Chief Growth Officer of Root Financial Partners and a Fiduciary Financial Planner specializing in helping clients retire early with confidence.

Welcome to the "Saturday Morning Golf Stat" from the Hack it Out Golf Podcast. Among the sweetest words in the English language: short par 4. But does that phrase set expectations too high? In this episode, Lou asks Greg and Lou what golfers of different skills average on a 325 yard par 4. From there, the guys talk about the best way to make the most of these holes—and compare their own games. Each of these will be a mini-episode (10-15 minutes long) about an interesting golf stat. We will discuss what you can learn, and most importantly, how you can apply this on the golf course to lower your scores and lower your handicap. Listen on your drive to the golf course or over your Saturday morning coffee! Data is sourced from Arccos Golf. They have over 1 BILLION shots in their database.  Check them out at: https://www.arccosgolf.com/  Use code DATALOU15 for 15% off! To get the best discount off your NordVPN plan - go to ⁠nordvpn.com/hackitout⁠. Our link will also give you 4 extra months on the 2-year plan. There's no risk with Nord's 30-day money-back guarantee! Learn more about your ad choices. Visit megaphone.fm/adchoices

Hold onto your tiny surfboards! Average Boy is back with a hilarious (and humbling) experience on the "Flamingo FlowRider"— Henry Hippo's Amusement Park’s newest ride. After navigating long lines and an embarrassing wipeout, Bob learns an important lesson about riding the waves of life with faith and purpose. Tune in for fun, inspiration and awesome listener jokes! Click here to see the new Average Boy book title and cover! Click here to visit the Average Boy Store to gain access to books, devotionals, subscriptions to Clubhouse Magazine, and much more! We'd love to hear from you! Visit our Homepage to leave us a voicemail. If you enjoyed listening to The Official Average Boy Podcast, please give us your feedback.