Podcasts about The Big Picture

Film editor Andy Jurgensen had a lot to contend with when working on Paul Thomas Anderson's acclaimed film 'One Battle After Another.' He had to edit chase scenes, make sure the comedy of the story came through, and showcase many powerhouse performances. His work earned him an Oscar nomination for Best Editing. Jurgensen speaks about putting the movie together as part of our ongoing series "The Big Picture," spotlighting Oscar nominees who work behind the camera.

It’s actually a good thing that some books push you to the edge of your ability to understand. But there’s no doubting the fact that dense, abstract and jargon-filled works can push you so far into the fog of frustration that you cannot blame yourself for giving up. But here’s the truth: You don’t have to walk away frustrated and confused. I’m going to share with you a number of practical strategies that will help you fill in the gaps of your reading process. Because that’s usually the real problem: It’s not your intelligence. Nor is it that the world is filled with books “above your level.” I ultimately don’t believe in “levels” as such. But as someone who taught reading courses at Rutgers and Saarland University, I know from experience that many learners need to pick up a few simple steps that will strengthen how they approach reading difficult books. And in this guide, you’ll learn how to read challenging books and remember what they say. I’m going to go beyond generic advice too. That way, you can readily diagnose: Why certain books feel so hard Use pre-reading tactics that prime your brain to deal with difficulties effectively Apply active reading techniques to lock in understanding faster Leverage accelerated learning tools that are quick to learn Use Artificial Intelligence to help convert tough convent into lasting knowledge without worrying about getting duped by AI hallucinations Whether you’re tacking philosophy, science, dense fiction or anything based primarily in words, the reading system you’ll learn today will help you turn confusion into clarity. By the end, even the most intimidating texts will surrender their treasures to your mind. Ready? Let’s break it all down together. https://www.youtube.com/watch?v=y9HLbY4jsFg Why Some Books Feel “Too Hard” (And What That Really Means) You know exactly how it feels and so do I. You sit down with a book that people claim is a classic or super-important. But within a few pages, your brain fogs over and you’re completely lost. More often than not, through glazed eyes, you start to wonder… did this author go out of his or her way to make this difficult? Are they trying to show off with all these literary pyrotechnics? Or is there a deliberate conspiracy to confuse readers like me? Rest assured. These questions are normal and well worth asking. The difficulty you might feel is never arbitrary in my experience. But there’s also no “single origin” explanation for why some books feel easier than others. It’s almost always a combination of factors, from cognitive readiness, lived experience, emotions and your physical condition throughout the day. This means that understanding why individual texts resist your understanding needs to be conducted on a case-by-case basis so you can move towards mastering anything you want to read. Cognitive Load: The Brain’s Processing “Stop Sign” “Cognitive load” probably needs no definition. The words are quite intuitive. You start reading something and it feels like someone is piling heavy bricks directly on top of your brain, squishing everything inside. More specifically, these researchers explain that what’s getting squished is specifically your working memory, which is sometimes called short-term memory. In practical terms, this means that when a book suddenly throws a bunch of unfamiliar terms at you, your working memory has to suddenly deal with abstract concepts, completely new words or non-linear forms of logic. All of this increases your cognitive load, but it’s important to note that there’s no conspiracy. In Just Being Difficult: Academic Writing in the Public Arena, a variety of contributors admit that they often write for other specialists. Although it would be nice to always compose books and articles for general readers, it’s not laziness. They’re following the codes of their discipline, which involves shorthand to save everyone time. Yes, it can also signal group membership and feel like an intellectual wall if you’re new to this style, but it’s simply a “stop sign” for your brain. And wherever there are stop signs, there are also alternative routes. Planning Your Detour “Roadmap” Into Difficult Books Let me share a personal example by way of sharing a powerful technique for making hard books easier to read. A few years ago I decided I was finally going to read Kant. I had the gist of certain aspects of his philosophy, but a few pages in, I encountered so many unfamiliar terms, I knew I had to obey the Cognitive Load Stop Sign and take a step back. To build a roadmap into Kant, I searched Google in a particular way. Rather than a search term like, “Intro to Kant,” I entered this tightened command instead: Filetype:PDF syllabus Kant These days, you can ask an LLM in more open language to simply give you links to the syllabi of the most authoritative professors who teach Kant. I’d still suggest that you cross-reference what you get on Google, however. If you’re hesitant about using either Google or AI, it’s also a great idea to visit a librarian in person to help you. Or, you can read my post about using AI for learning with harming your memory to see if it’s time to update your approach. Narrowing Down Your Options One way or another, the reason to consult the world’s leading professors is that their syllabi will provide you with: Foundational texts Core secondary literature Commentaries from qualified sources Essential historical references Once you’ve looked over a few syllabi, look through the table of contents of a few books on Amazon or Google Books. Then choose: 1-2 foundational texts to read before the challenging target book you want to master 1-2 articles or companion texts to read alongside In this way, you’ve turned difficulty into a path, not an obstacle. Pre-Reading Strategies That Warm Up Your Reading Muscles A lot of the time, the difficulty people feel when reading has nothing to do with the book. It’s just that you’re diving into unfamiliar territory without testing the waters first. Here are some simple ways to make unfamiliar books much easier to get into. Prime Like a Pro To make books easier to read, you can perform what is often called “priming” in the accelerated learning community. It is also sometimes called “pre-reading” and as this research article discusses, its success has been well-demonstrated. The way I typically perform priming is simple. Although some books require a slight change to the pattern, I typically approach each new book by reading: The back cover The index The colophon page The conclusion or afterword The most interesting or relevant chapter The introduction The rest of the book Activate Prior Knowledge Sometimes I will use a skimming and scanning strategy after reading the index to quickly familiarize myself with how an author approaches a topic with which I’m already familiar. This can help raise interest, excitement and tap into the power of context-dependent memory. For example, I recently started reading Doubt: A History by Jennifer Michael Hecht. Since the Renaissance memory master Giordano Bruno comes up multiple times, I was able to draw up a kind of context map of the books themes by quickly going through those passages. Take a Picture Walk Barbara Oakley and Terence Sejnjowski share a fantastic strategy in Learning How to Learn. Before reading, simply go through a book and look at all the illustrations, tables, charts and diagrams. It seems like a small thing. But it gives your brain a “heads up” about upcoming visual information that you may need to process than prose. I used to find visual information like this difficult, but after I started taking picture walks, I’m now excited to read “towards” these elements. If still find them challenging to understand, I apply a tip I learned from Tony Buzan that you might like to try: Rather than struggle to interpret a chart or illustration, reproduce it in your own hand. Here’s an example of how I did this when studying spaced repetition: As a result, I learned the graph and its concepts quickly and have never forgotten it. Build a Pre-Reading Ritual That Fits You There’s no one-sized-fits-all strategy, so you need to experiment with various options. The key is to reduce cognitive load by giving your mind all kinds of ways of understanding what a book contains. If it helps, you can create yourself a checklist that you slip into the challenging books on your list. That way, you’ll have both a bookmark and a protocol as you develop your own pre-reading style. Active Reading Techniques That Boost Comprehension Active reading involves deliberately applying mental activities while reading. These can include writing in the margins of your books, questioning, preparing summaries and even taking well-time breaks between books. Here’s a list of my favorite active reading strategies with ideas on how you can implement them. Using Mnemonics While Reading On the whole, I take notes while reading and then apply a variety of memory techniques after. But to stretch my skills, especially when reading harder books, I start the encoding process earlier. Instead of just taking notes, I’ll start applying mnemonic images. I start early because difficult terms often require a bit more spaced repetition. To do this yourself, the key is to equip yourself with a variety of mnemonic methods, especially: The Memory Palace technique The Pegword Method The Major System The PAO System And in some cases, you may want to develop a symbol system, such as if you’re studying physics or programming. Once you have these mnemonic systems developed, you can apply them in real time. For example, if you come across names and dates, committing them to memory as you read can help you keep track of a book’s historical arc. This approach can be especially helpful when reading difficult books because authors often dump a lot of names and dates. By memorizing them as you go, you reduce the mental load of having to track it all. For even more strategies you can apply while reading, check out my complete Mnemonics Dictionary. Strategic Questioning Whether you take notes or memorize in real-time, asking questions as you go makes a huge difference. Even if you don’t come up with answers, continually interrogating the book will open up your brain. The main kinds of questions are: Evaluative questions (checking that the author uses valid reasoning and address counterarguments) Analytical questions (assessing exactly how the arguments unfold and questioning basic assumptions) Synthetic questions (accessing your previous knowledge and looking for connections with other books and concepts) Intention questions (interrogating the author’s agenda and revealing any manipulative rhetoric) One medieval tool for questioning you can adopt is the memory wheel. Although it’s definitely old-fashioned, you’ll find that it helps you rotate between multiple questions. Even if they are as simple as who, what, where, when, how and why questions, you’ll have a mental mnemonic device that helps ensure you don’t miss any of them. Re-reading Strategies Although these researchers seem to think that re-reading is not an effective strategy, I could not live without it. There are three key kinds of re-reading I recommend. Verbalize Complexity to Tame It The first is to simply go back and read something difficult to understand out loud. You’d be surprised how often it’s not your fault. The author has just worded something in a clunky manner and speaking the phrasing clarifies everything. Verbatim Memorization for Comprehension The second strategy is to memorize the sentence or even an entire passage verbatim. That might seem like a lot of work, but this tutorial on memorizing entire passages will make it easy for you. Even if verbatim memorization takes more work, it allows you to analyze the meaning within your mind. You’re no longer puzzling over it on paper, continuing to stretch your working memory. No, you’ve effectively expanded at least a part of your working memory by bypassing it altogether. You’ve ushered the information into long-term memory. I’m not too shy to admit that I have to do this sometimes to understand everything from the philosophy in Sanskrit phrases to relatively simple passages from Shakespeare. As I shared in my recent discussion of actor Anthony Hopkins’ memory, I couldn’t work out what “them” referred to in a particular Shakespeare play. But after analyzing the passage in memory, it was suddenly quite obvious. Rhythmical Re-reading The third re-reading strategy is something I shared years ago in my post detailing 11 reasons you should re-read at least one book per month. I find this approach incredibly helpful because no matter how good you get at reading and memory methods, even simple books can be vast ecosystems. By revisiting difficult books at regular intervals, you not only get more out of them. You experience them from different perspectives and with the benefit of new contexts you’ve built in your life over time. In other words, treat your reading as an infinite game and never assume that you’ve comprehended everything. There’s always more to be gleaned. Other Benefits of Re-reading You’ll also improve your pattern recognition by re-treading old territory, leading to more rapid recognition of those patterns in new books. Seeing the structures, tropes and other tactics in difficult books opens them up. But without regularly re-reading books, it can be difficult to perceive what these forms are and how authors use them. To give you a simple example of a structure that appears in both fiction and non-fiction, consider in media res, or starting in the middle. When you spot an author using this strategy, it can immediately help you read more patiently. And it places the text in the larger tradition of other authors who use that particular technique. For even more ideas that will keep your mind engaged while tackling tough books, feel free to go through my fuller article on 7 Active Reading Strategies. Category Coloring & Developing Your Own Naming System For Complex Material I don’t know about you, but I do not like opening a book only to find it covered in highlighter marks. I also don’t like highlighting books myself. However, after practicing mind mapping for a few years, I realized that there is a way to combine some of its coloring principles with the general study principles of using Zettelkasten and flashcards. Rather than passively highlighting passages that seem interesting at random, here’s an alternative approach you can take to your next tour through a complicated book. Category Coloring It’s often helpful to read with a goal. For myself, I decided to tackle a hard book called Gödel Escher Bach through the lens of seven categories. I gave each a color: Red = Concept Green = Process Orange = Fact Blue = Historical Context Yellow = Person Purple = School of Thought or Ideology Brown = Specialized Terminology Example Master Card to the Categorial Color Coding Method To emulate this method, create a “key card” or “master card” with your categories on it alongside the chosen color. Use this as a bookmark as you read. Then, before writing down any information from the book, think about the category to which it belongs. Make your card and then apply the relevant color. Obviously, you should come up with your own categories and preferred colors. The point is that you bring the definitions and then apply them consistently as you read and extract notes. This will help bring structure to your mind because you’re creating your own nomenclature or taxonomy of information. You are also using chunking, a specific mnemonic strategy I’ve written about at length in this post on chunking as a memory tool. Once you’re finished a book, you can extract all the concepts and memorize them independently if you like. And if you emulate the strategy seen on the pictured example above, I’ve included the page number on each card. That way, I can place the cards back in the order of the book. Using this approach across multiple books, you will soon spot cross-textual patterns with greater ease. The catch is that you cannot allow this technique to become activity for activity’s sake. You also don’t want to wind up creating a bunch of informational “noise.” Before capturing any individual idea on a card and assigning it to a category, ask yourself: Why is this information helpful, useful or critical to my goal? Will I really use it again? Where does it belong within the categories? If you cannot answers these questions, either move on to the next point. Or reframe the point with some reflective thinking so that you can contextualize it. This warning aside, it’s important not to let perfectionism creep into your life. Knowing what information matters does take some practice. To speed up your skills with identifying critical information, please read my full guide on how to find the main points in books and articles. Although AI can certainly help these days, you’ll still need to do some work on your own. Do Not Let New Vocabulary & Terminology Go Without Memorization One of the biggest mistakes I used to make, even as a fan of memory techniques, slowed me down much more than necessary. I would come across a new term, look it up, and assume I’d remember it. Of course, the next time I came across it, the meaning was still a mystery. But when I got more deliberate, I not only remembered more words, but the knowledge surrounding the unfamiliar terms also stuck with greater specificity. For example, in reading The Wandering Mind by Jamie Kreiner, memorizing the ancient Greek word for will or volition (Prohairesis) pulled many more details about why she was mentioning it. Lo and behold, I started seeing the word in more places and connecting it to other ancient Greek terms. Memorizing those as well started to create a “moat of meaning,” further protecting a wide range of information I’d been battling. Understanding Why Vocabulary Blocks Comprehension The reason why memorizing words as you read is so helpful is that it helps clear out the cognitive load created by pausing frequently to look up words. Even if you don’t stop to learn a new definition, part of your working memory gets consumed by the lack of familiarity. I don’t always stop to learn new definitions while reading, but using the color category index card method you just discovered, it’s easy to organize unfamiliar words while reading. That way they can be tidily memorized later. I have a full tutorial for you on how to memorize vocabulary, but here’s a quick primer. Step One: Use a System for Capturing New Words & Terms Whether you use category coloring, read words into a recording app or email yourself a reminder, the key is to capture as you go. Once your reading session is done, you can now go back to the vocabulary list and start learning it. Step Two: Memorize the Terms I personally prefer the Memory Palace technique. It’s great for memorizing words and definitions. You can use the Pillar Technique with the word at the top and the definition beneath it. Or you can use the corners for the words and the walls for the definitions. Another idea is to photograph the cards you create and important them into a spaced repetition software like Anki. As you’ll discover in my complete guide to Anki, there are several ways you can combine Anki with a variety of memory techniques. Step Three: Use the Terms If you happened to catch an episode of the Magnetic Memory Method Podcast back when I first learned Prohairesis I mentioned it often. This simple habit helps establish long-term recall, reflection and establishes the ground for future recognition and use. Expand Understanding Using Video & Audio Media When I was in university, I often had to ride my bike across Toronto to borrow recorded lectures on cassette. Given the overwhelming tsunamis of complex ideas, jargon and theoretical frameworks I was facing, it was worth it. Especially since I was also dealing with the personal problems I shared with you in The Victorious Mind. Make no mistake: I do not believe there is any replacement for reading the core books, no matter how difficult they might be. But there’s no reason not to leverage the same ideas in multiple formats to help boost your comprehension and long-term retention. Multimedia approaches are not just about knowledge acquisition either. There have been many debates in the magical arts community that card magicians should read and not rely on video. But evidence-based studies like this one show that video instruction combined with reading written instructions is very helpful. The Science Behind Multi-Modal Learning I didn’t know when I was in university, or when I was first starting out with memdeck card magic that dual coding theory existed. This model was proposed by Allan Paivio, who noticed that information is processed both verbally and non-verbally. Since then, many teachers have focused heavily on how to encourage students to find the right combination of reading, visual and auditory instructional material. Here are some ideas that will help you untangle the complexity in your reading. How to Integrate Multimedia Without Overload Forgive me if this is a bit repetitive, but to develop flow with multiple media, you need to prime the brain. As someone who has created multiple YouTube videos, I have been stubborn about almost always including introductions. Why? Go Through the Intros Like a Hawk Because without including a broad overview of the topic, many learners will miss too many details. And I see this in the comments because people ask questions that are answered throughout the content and flagged in the introductions. So the first step is to be patient and go through the introductory material. And cultivate an understanding that it’s not really the material that is boring. It’s the contemporary issues with dopamine spiking that make you feel impatient. The good news is that you can possibly reset your dopamine levels so you’re better able to sit through these “priming” materials. One hack I use is to sit far away from my mouse and keep my notebook in hand. If I catch myself getting antsy, I perform a breathing exercise to restore focus. Turn on Subtitles When you’re watching videos, you can help increase your engagement by turning on the subtitles. This is especially useful in jargon-heavy video lessons. You can pause and still see the information on the screen for easier capture when taking notes. When taking notes, I recommend jotting down the timestamp. This is useful for review, but also for attributing citations later if you have to hand in an assignment. Mentally Reconstruct After watching a video or listening to a podcast on the topic you’re mastering, take a moment to review the key points. Try to go through them in the order they were presented. This helps your brain practice mental organization by building a temporal scaffold. If you’ve taken notes and written down the timestamps, you can easily check your accuracy. Track Your Progress For Growth & Performance One reason some people never feel like they’re getting anywhere is that they have failed to establish any points of reference. Personally, this is easy for me to do. I can look back to my history of writing books and articles or producing videos and be reminded of how far I’ve come at a glance. Not only as a writer, but also as a reader. For those who do not regularly produce content, you don’t have to start a blog or YouTube channel. Just keep a journal and create a few categories of what skills you want to track. These might include: Comprehension Retention Amount of books read Vocabulary growth Critical thinking outcomes Confidence in taking on harder books Increased tolerance with frustration when reading challenges arise You can use the same journal to track how much time you’ve spent reading and capturing quick summaries. Personally, I wish I’d started writing summaries sooner. I really only got started during grad school when during a directed reading course, a professor required that I had in a summary for every book and article I read. I never stopped doing this and just a few simple paragraph summaries has done wonders over the years for my understanding and retention. Tips for Overcoming Frustration While Reading Difficult Books Ever since the idea of “desirable difficulty” emerged, people have sought ways to help learners overcome emotional responses like frustration, anxiety and even shame while tackling tough topics. As this study shows, researchers and teachers have found the challenge difficult despite the abundance of evidence showing that being challenged is a good thing. Here are some strategies you can try if you continue to struggle. Embrace Cognitive Discomfort As we’ve discussed, that crushing feeling in your brain exists for a reason. Personally, I don’t think it ever goes away. I still regularly pick up books that spike it. The difference is that I don’t start up a useless mantra like, “I’m not smart enough for this.” Instead, I recommend you reframe the experience and use the growth mindset studied by Carol Dweck, amongst others. You can state something more positive like, “This book is a bit above my level, but I can use tactics and techniques to master it.” I did that very recently with my reading of The Xenotext, parts of which I still don’t fully understand. It was very rewarding. Use Interleaving to Build Confidence I rotate through draining books all the time using a proven technique called interleaving. Lots of people are surprised when I tell them that I rarely read complex and challenging books for longer than fifteen minutes at a time. But I do it because interleaving works. Which kinds of books can you interleave? You have choices. You can either switch in something completely different, or switch to a commentary. For example, while recently reading some heavy mathematical theories about whether or not “nothing” can exist, I switched to a novel. But back in university, I would often stick within the category while at the library. I’d read a core text by a difficult philosopher, then pick up a Cambridge Companion and read an essay related to the topic. You can also interleave using multimedia sources like videos and podcasts. Interleaving also provides time for doing some journaling, either about the topic at hand or some other aspect of your progress goals. Keep the Big Picture in Mind Because frustration is cognitively training, it’s easy to let it drown out your goals. That’s why I often keep a mind map or some other reminder on my desk, like a couple of memento mori. It’s also possible to just remember previous mind maps you’ve made. This is something I’m doing often at the moment as I read all kinds of boring information about managing a bookshop for my Memory Palace bookshop project first introduced in this video: https://www.youtube.com/watch?v=utcJfeQZC2c It’s so easy to get discouraged by so many rules and processes involved in ordering and selling books, that I regularly think back to creating this mind map with Tony Buzan years ago. In case my simple drawings on this mind map for business development doesn’t immediately leap out at you with its meanings, the images at the one o’clock-three o’clock areas refer to developing a physical Memory Palace packed with books on memory and learning. Developing and keeping a north star in mind will help you transform the process of reading difficult books into a purposeful adventure of personal development. Even if you have to go through countless books that aren’t thrilling, you’ll still be moving forward. Just think of how much Elon Musk has read that probably wasn’t all that entertaining. Yet, it was still essential to becoming a polymath. Practice Seeing Through The Intellectual Games As you read harder and harder books, you’ll eventually come to realize that the “fluency” some people have is often illusory. For example, some writers and speakers display a truly impressive ability to string together complex terminology, abstract references and fashionable ideas of the day in ways that sound profound. Daniel Dennett frequently used a great term for a lot of this verbal jujitsu that sounds profound but is actually trivial. He called such flourishes “deepities.” https://www.youtube.com/watch?v=ey-UeaSi1rI This kind of empty linguistic dexterity will be easier for you to spot when you read carefully, paraphrase complex ideas in your own words and practice memorizing vocabulary frequently. When you retain multiple concepts and practice active questioning in a large context of grounded examples and case studies, vague claims will not survive for long in your world. This is why memory training is about so much more than learning. Memorization can equip you to think independently and bring clarity to fields that are often filled with gems, despite the fog created by intellectual pretenders more interested in word-jazz than actual truth. Using AI to Help You Take On Difficult Books As a matter of course, I recommend you use AI tools like ChatGPT after doing as much reading on your own as possible. But there’s no mistaking that intentional use of such tools can help you develop greater understanding. The key is to avoid using AI as an answer machine or what Nick Bostrom calls an “oracle” in his seminal book, Superintelligence. Rather, take a cue from Andrew Mayne, a science communicator and central figure at OpenAI and host of their podcast. His approach centers on testing in ways that lead to clarity of understanding and retention as he uses various mnemonic strategies. https://www.youtube.com/watch?v=JlzD_6Olaqw Beyond his suggestions, here are some of my favorite strategies. Ask AI to Help Identify All Possible Categories Connected to a Topic A key reason many people struggle to connect ideas is simply that they haven’t developed a mental ecosystem of categories. I used to work in libraries, so started thinking categorically when I was still a teenager. But these days, I would combine how traditional libraries are structured with a simple prompt like: List all the possible categories my topic fits into or bridges across disciplines, historical frameworks and methodologies. Provide the list without interpretation or explanation so I can reflect. A prompt like this engineers a response that focuses on relationships and lets your brain perform the synthetic thinking. Essentially, you’ll be performing what some scientists call schema activation, leading to better personal development outcomes. Generate Lists of Questions To Model Exceptional Thinkers Because understanding relies on inquiry, it’s important to practice asking the best possible questions. AI chat bots can be uniquely useful in this process provided that you explicitly insist that it helps supply you excellent questions without any answers. You can try a prompt like: Generate a list of questions that the world’s most careful thinkers in this field would ask about this topic. Do not provide any answers. Just the list of questions. Do this after you’ve read the text and go through your notes with fresh eyes. Evaluate the material with questions in hand, ideally by writing out your answers by hand. If you need your answers imported into your computer, apps can now scan your handwriting and give you text file. Another tip: Don’t be satisfied with the first list of questions you get. Ask the AI to dig deeper. You can also ask the AI to map the questions into the categories you previously got help identifying. For a list of questions you can put into your preferred chat bot, feel free to go through my pre-AI era list of philosophical questions. They are already separated by category. Use AI to Provide a Progress Journal Template If you’re new to journaling, it can be difficult to use the technique to help you articulate what you’re reading and why the ideas are valuable. And that’s not to mention working out various metrics to measure your growth over time. Try a prompt like this: Help me design a progress journal for my quest to better understand and remember difficult books. Include sections for me to list my specific goals, vocabulary targets, summaries and various milestones I identify. Make it visual so I can either copy it into my own print notebook or print out multiple copies for use over time. Once you have a template you’re happy to experiment with, keep it visible in your environment so you don’t forget to use it. Find Blind Spots In Your Summaries Many AIs have solid reasoning skills. As a result, you can enter your written summaries and have the AI identify gaps in your knowledge, blind spots and opportunities for further reading. Try a prompt like: Analyze this summary and identify any blind spots, ambiguities in my thinking or incompleteness in my understanding. Suggest supplementary reading to help me fill in any gaps. At the risk of repetition, the point is that you’re not asking for the summaries. You’re asking for assessments that help you diagnose the limits of your understanding. As scientists have shown, metacognition, or thinking about your thinking can help you see errors much faster. By adding an AI into the mix, you’re getting feedback quickly without having to wait for a teacher to read your essay. Of course, AI outputs can be throttled, so I find it useful to also include a phrase like, “do not throttle your answer,” before asking it to dig deeper and find more issues. Used wisely, you will soon see various schools of thought with much greater clarity, anticipate how authors make their moves and monitor your own blind spots as you read and reflect. Another way to think about the power of AI tools is this: They effectively mirror human reasoning at a species wide level. You can use them to help you mirror more reasoning power by regularly accessing and practicing error detection and filling in the gaps in your thinking style. Why You Must Stop Abandoning Difficult Books (At Least Most of the Time) Like many people, I’m a fan of Scott Young’s books like Ultralearning and Get Better at Anything. He’s a disciplined thinker and his writing helps people push past shallow learning in favor of true and lasting depth. However, he often repeats the advice that you should stop reading boring books. In full transparency, I sometimes do this myself. And Young adds a lot of context to make his suggestion. But I limit abandoning books as much as possible because I don’t personally find Young’s argument that enjoyment and productivity go together. On the contrary, most goals that I’ve pursued have required fairly intense periods of delaying gratification. And because things worth accomplishing generally do require sacrifice and a commitment to difficulty, I recommend you avoid the habit of giving up on books just because they’re “boring” or not immediately enjoyable. I’ll bet you’ll enjoy the accomplishment of understanding hard books and conquering their complexity far more in the end. And you’ll benefit more too. Here’s why I think so. The Hidden Cost of Abandoning Books You’ve Started Yes, I agree that life is short and time is fleeting. But if you get into the habit of abandoning books at the first sign of boredom, it can quickly become your default habit due to how procedural memory works. In other words, you’re given your neurons the message that it’s okay to escape from discomfort. That is a very dangerous loop to throw yourself into, especially if you’re working towards becoming autodidactic. What you really need is to develop the ability to stick with complexity, hold ambiguous and contradictory issues in your mind and fight through topic exhaustion. Giving up on books on a routine basis? That’s the opposite of developing expertise and resilience. The AI Risk & Where Meaning is Actually Found We just went through the benefits of AI, so you shouldn’t have issues. But I regularly hear from people and have even been on interviews where people use AI to summarize books I’ve recomended. This is dangerous because the current models flatten nuance due to how they summarize books based on a kind of “averaging” of what its words predictability mean. Although they might give you a reasonable scaffold of a book’s structure, you won’t get the friction created by how authors take you through their thought processes. In other words, you’ll be using AI models that are not themselves modeling the thinking that reading provides when you grind your way through complex books. The Treasure of Meaning is Outside Your Comfort Zone Another reason to train for endurance is that understanding doesn’t necessarily arrive while reading a book or even a few weeks after finishing it. Sometimes the unifying insights land years later. But if you don’t read through books that seem to be filled with scattered ideas, you cannot gain any benefit from them. Their diverse points won’t consolidate in your memory and certainly won’t connect with other ideas later. So I suggest you train your brain to persist as much as possible. By drawing up the support of the techniques we discussed today and a variety of mnemonic support systems, you will develop persistence and mine more gold from everything you read. And being someone who successfully mines for gold and can produce it at will is the mark of the successful reading. Not just someone who consumes information efficiently, but who can repeatedly connect and transform knowledge year after year due to regularly accumulating gems buried in the densest and most difficult books others cannot or will not read. Use Struggle to Stimulate Growth & You Cannot Fail As you’ve seen, challenging books never mean that you’re not smart enough. It’s just a matter of working on your process so that you can tackle new forms of knowledge. And any discomfort you feel is a signal that a great opportunity and personal growth adventure awaits. By learning how to manage cognitive load, fill in the gaps in your background knowledge and persist through frustration, you can quickly become the kind of reader who seeks out complexity instead of flinching every time you see it. Confusion has now become a stage along the path to comprehension. And if you’re serious about mastering increasingly difficult material, understanding and retaining it, then it’s time to upgrade your mental toolbox. Start now by grabbing my Free Memory Improvement Course: Inside, you’ll discover: The Magnetic Memory Method for creating powerful Memory Palaces How to develop your own mnemonic systems for encoding while reading Proven techniques that deepen comprehension, no matter how abstract or complex your reading list is And please, always remember: The harder the book, the greater rewards. And the good news is, you’re now more than ready to claim them all.

The sound design team behind the blockbuster "F1" has been nominated for an Academy Award for Best Sound. Supervising sound editors Al Nelson and Gwendolyn Yates Whittle and re-recording mixer Juan Peralta discuss the complicated process of capturing the sounds of a Formula One race, collisions and all. This interview kicks of our annual "Big Picture" series highlighting Oscar nominees who worked behind-the-scenes to make movie magic in 2025. 

An overview of the hummingbird family

This week's episode of Wealth Formula features an interview with Claudia Sahm, and I want to share a quick takeaway before you listen — because she's often misunderstood in the headlines. First, a quick explanation of the Sahm Rule, in plain English. The rule looks at unemployment and asks a very simple question:Has the unemployment rate started rising meaningfully from its recent low? Specifically, if the three-month average unemployment rate rises by 0.5% or more above its lowest level over the past year, the Sahm Rule is triggered. Historically, that has happened early in every U.S. recession since World War II. That's why it gets cited so much. And to be clear — it's cited a lot. The Sahm Rule is tracked by the Federal Reserve, Treasury economists, Wall Street banks, macro funds, and economic research shops globally. When it triggers, it shows up everywhere. That's not by accident. Claudia built one of the cleanest early-warning indicators we have. But here's the part that often gets lost. The Sahm Rule is not a market-timing tool and it's not a prediction machine. Claudia emphasized this repeatedly. It was designed as a policy signal — a way to say, “Hey, if unemployment is rising this fast, waiting too long to respond makes things worse.” In other words, it's a call to action for policymakers, not a command for investors to panic. What makes this cycle unusual — and why talking to Claudia directly was so helpful — is what's actually driving the data. We're not seeing mass layoffs. Layoffs remain low by historical standards. What we're seeing instead is very weak hiring. Companies aren't firing people — they're just not expanding. That distinction matters. And this is where I think the big picture comes in — not just for understanding the economy, but for investing in general. When you step back, the big picture includes a government with massive debt loads that needs interest rates to come down over time. It includes fiscal pressures that make prolonged high rates politically and economically painful. And it includes the reality that if the current Fed leadership won't ease fast enough, future leadership will. History tells us that governments eventually get the monetary conditions they need — even if it takes time, even if it takes new appointments, and even if it takes a shift toward a more dovish Federal Reserve. That doesn't mean reckless money printing tomorrow. But it does mean that structurally high rates are unlikely to be permanent. And when you combine that with investing, the question becomes less about this month's headline and more about what's positioned to benefit when the environment normalizes. That's why I continue to focus on real assets that are already deeply discounted — things like multifamily real estate — assets that were repriced brutally during the rate shock, but still sit at the center of a growing, rent-dependent economy. This conversation with Claudia reinforced something I've been talking about for a long time:The biggest investing mistakes usually happen when people zoom in too far and forget to zoom back out. I've made this mistake myself. If you want a thoughtful, non-sensational, data-driven discussion about where we actually are in this cycle — and what the indicators really mean — I think you'll get a lot out of this episode. Transcript Disclaimer: This transcript was generated by AI and may not be 100% accurate. If you notice any errors or corrections, please email us at phil@wealthformula.com. Welcome everybody. This is Buck Joffrey with the Well Formula Podcast coming to you from Montecito, California. Before we begin today, I wanna remind you, uh, listen, we’re back in, uh, back in the saddle in here in, uh, 2026. I know it’s takes some time to get used to it, but we’re, gosh, we’re at the end of the month actually by the time this plays. I think we’re in February. It’s time again to start thinking about investing. And so if you are interested in potentially using this year, which I believe and which many believe to potentially be the last year, uh, big discounts, uh, in real estate and, uh, various other types of offerings. Make sure. To sign up for the Accredit Investor group, our investor club, as we call it wealthformula.com. You do need to be an accredit investor and then you get onboarded. An accredit investor is just defined by who you are. If you make over $300,000 per year filing jointly, or 200 by yourself, every reasonable expectation to do so in the future. Or you have a net worth of a million dollars outta your personal, outside of your personal residence, you’re an accredit investor. Congratulations. Join the club wealthformula.com. Interesting podcast. Today we have, uh, Claudia Sahm She’s a Big Deal, Claudia Sahm. You may recognize that last name som, for this som rule. And what is a som rule in plain English. You actually have heard of the som rule multiple times from other economists who’ve been on the show. The som rule looks at unemployment. And asks a very simple question. Now, has the unemployment rate started rising meaningfully from its recent low? So specifically, if the three month average unemployment rate rises 0.5% or more above its lowest level, over the past year, this som rule is triggered. Now, historically, that has happened early in every US recession since the World War ii. That’s why it gets cited so much. It gets cited a lot. By the way, the sum rule is tracked by the Fed treasury economists, wall Street Banks, macro funds, economic research shops globally, and when it triggers, it shows up everywhere, and that’s not by accident. Uh, Claudia has built one of the cleanest early warning indicators we have, but here’s the part that often gets lost. The som rule is not a market timing tool, and it’s not a prediction machine. Claudia, uh, emphasized that repeatedly. It was designed as a policy signal, a way to say, Hey, if unemployment’s rising this fast, wait, waiting too long to respond makes things worse. In other words, it’s call to action for policy makers, not a command for investors to panic per se. So what makes this cycle unusual and why talking to Claudia directly was so helpful? Well, it’s what’s actually driving the data. We’re not seeing mass layoffs. Layoffs remain low by historical standards. Um, what we’re seeing instead is very weak. Hiring companies aren’t firing people, they’re just not expanding, and that distinction matters. This is where the big picture comes in, not just for understanding the economy. For investing in general and when you step back, the big picture includes a government with massive debt loads that need interest rates to come down over time. It includes fiscal pressures that make prolonged high rates politically and economically painful. I’ve mentioned this before and it includes the reality that have to fed, fed, uh, if the current Fed leadership won’t ease fast enough. I am likely the case that future leadership appointed by. Donald Trump himself, uh, will, so history tells us that governments eventually get the monetary conditions they need, even if it takes time, even if it takes new appointments. And even if it takes a shift towards a more dovish federal reserve. Uh, that doesn’t mean, uh, reckless money printing tomorrow, but it does mean that structurally. High interest rates are unlikely to be permanent. Okay? And when you combine that with investing, the question becomes less about this month’s headline and more about what’s positioned to benefit when the environment normalizes. Okay? That’s really, really important, and that’s why I continue to focus on things like real estate, right? Real estate is currently. Not for long, in my opinion, but deeply discounted things like multifamily real estate, um, that were repriced brutally during the rate shot, uh, but are still at the center of a growing and, and rent dependent economy. And again, uh, this conversation with Claudia reinforced something that I’ve been talking about a long time, which is the biggest investing mistakes usually happen when people zoom in too far and forget to zoom back out. I’ve made that mistake myself. I am not immune. I have made lots of mistakes, and that’s one of them. So this is a great conversation. Hopefully you’ll enjoy it, especially if you want a thoughtful, nons sensational data-driven discussion. Where we are actually at in this cycle and what these indicators really mean. I think you’ll get a lot of this episode and we will have this conversation for you right after these messages. Wealth formula banking is an ingenious concept powered by whole life insurance, but instead of acting just as a safety net. The strategy supercharges your investments. First, you create a personal financial reservoir that grows at a compounding interest rate much higher than any bank savings account. As your money accumulates, you borrow from your own bank to invest in other cash flowing investments. Here’s the key. Even though you borrowed money at a simple interest rate, your insurance company keeps. Paying you compound interest on that money even though you’ve borrowed it at result, you make money in two places at the same time. That’s why your investments get supercharged. This isn’t a new technique. It’s a refined strategy used by some of the wealthiest families in history, and it uses century old rock solid insurance companies as its backbone. Turbocharge your investments. Visit Wealthformulabanking.com. Again, that’s wealth formula banking.com. Welcome back to the show, everyone. Today my guest on Wealth Formula podcast is Dr. Claudia Sahm. Uh, she’s an American, uh, macroeconomic expert, uh, known for her work, uh, on monetary and fiscal policy and real-time economic indicators. She developed this som rule, which I think, uh, people have mentioned on this show before, so this is a great opportunity to talk to her about that. Uh, it’s a widely, uh, followed recession signal based on unemployment. She’s also a former Federal Reserve economist and senior policy advisor in government. Um, so welcome, uh, Dr. Sahm. Great. Happy to be here. Thank you. Well, let’s, let’s kind of start out with this som rule because, uh, you know, it’s funny, we, we have had a few different people, uh, at various times bring up the SOM rule, and I think one had actually said that it was triggered, but I don’t don’t think it was at any rate, let’s, let’s start with that. What is the som rule? Lemme start with why is there a som rule, and then we’ll then we’ll get to specifically what the, what the rule is itself. So when I started out on the project, it wasn’t so much about. Calling a recession, like there are some really fancy technical ways that economists like look at the tea leaves and the data and either try to forecast a recession, which is incredibly hard, or even just say we’re in a recession in real time. So like that’s a useful endeavor. But what actually was behind the development of my recession indicator was more of a call to action. How do we develop policies that, that the Congress can put into place very quickly if a recession comes? So these kind of what are referred to as automatic stabilizers, so they’re decided upon ahead of time, but then you do need a trigger that says a recession is here. So now that enhance the unemployment benefits, send out the stimulus checks, whatever it is that we kind of have as our typical tools that are used in recessions, we could have those ready to go as kind of guardrails. Then like you, you turn the policy on. So that was really my emphasis was on how do we do better policy and recessions, get the support out quickly. ’cause that’s the best chance of kind of stabilizing the situation. And then it’s like, well it was in a, it was in a policy volume that they asked for, like a really concrete proposal. So if I’m gonna say an automatic stabilizer, I need to have a proposal for what a trigger could be. So that’s really where the som rule came. So I think it is important. It’s definitely important to me to, I always remember like what the kind of reason for it’s sure. Now that also guided what the indicator itself looks like. So again, it was gonna be in, in fiscal policy. It needs to be simple, it needs to be something that we track it and it needs to, I felt it was important that it capture the reason that we. Fight recessions, why there’s such a bad, uh, you know, outcome. And so it looks at the, the unemployment rate. I use the national unemployment rate, take a three month average. ’cause we wanna smooth out, like there’s bumps and wiggles in the data from month to month. So you kind of, you know, three month average. One way to smooth it out. So you take that series of three month averages, you look at the current value, you compare to the lowest value over the prior 12 months, if you’ve seen an increase of a half, a percentage point or more. Which is really pretty modest, but half a percentage point or more. Historically, we have been in the early months of a recession, so it’s not a forecast. It’s supposed to be like we’re in it. Let’s go. It’s an empirical pattern. It’s one that’s worked in the United States. It reflects kind of our labor market institutions, the way unemployment rate moves and recessions. It historically is the case that once you get past a certain threshold of increased unemployment rate, it tends to build on itself. And in a typical recession, we see increases of. Two, three or more percentage points in the unemployment rate. Uh, so that’s, that’s what the summer rule is. And in fact, it did trigger in the summer of 2024. At that time I had said like, look around, we are not in a recession. GP is still expanding. Job creation is still happening. We don’t see the other hallmarks of a recession. And pointed to the fact that we’d had a very disrupted labor market after the pandemic in particular. You know, there had been a lot of immigration at that point. The unemployment rate is the total number of unemployed. So people who don’t have a job but are actively looking for one out of the labor force, right? And so these people that have to either be employed or looking for jobs, and so we actually saw from the pandemic. Both with the pandemic and then later with the surge and now the reversal in immigration. We’ve seen a lot of movement in the, in the labor force, which makes unemployment rate a little tricky to interpret. And then I’d also argue, we saw early in the pandemic, the unemployment rate dropped very rapidly. We even had labor shortages. So in some ways unemployment rate rising and it has risen over. I mean, it continued to rise last year in 2025. A lot of that’s also normalization. We’d had a very low unemployment rate. So I think the, the pandemic recession has a lot of features that were very unusual. We’ll talk probably more about the labor market continued to be kind of unusual. So the, you know, the somal was not the only recession indicator to fall flat on its face in the cycle. Um, but I think it’s still a useful, useful guide and I, and. You know, even if it’s not a recession, the, the unemployment rate is a full percentage point above, its low in 2023. So, I mean, that, that could, that could be a reason for policymakers to respond, even if it’s not responding to a recession. Right. That was the first time that it, that triggered and, and actually didn’t. End up in a recession, right? There’s some back in the 1950s, earlier, but it’s, it’s the first time where there’ve been some false positives in the past or, or near false positives. Like in 2003. It was kind of close, uh, is like the unemployment rate rises a little bit and then it falls back down. What we saw after it triggered in 2024 is it stabilized. Then last year it continued to rise. So this the pattern that we’ve seen since the pandemic of rapid recovery dropping unemployment rate and then it’s like gradually rising and yet has risen a full percentage point that you go all the way back in the post World War II period. We don’t see anything that looks like that. So that is a very unusual. Paris. So something’s more is going on in the labor market than just our typical business cycle, boom, bust, recession type dynamics. So what is that? What is the thing that’s happening that’s unusual right now in the labor market? Right? So the thing that is driving the unemployment rate up, I think this is a good lesson, a reminder to all of us. It’s not about layoffs. The rate of layoffs in the United States is really quite low. You look at unemployment insurance claims, they’re also quite low. What’s been pushing the unemployment rate up over the last two and a half years has been a very low rate of hiring and, and it’s, and it is something that over time will at least gradually put upward pressure on the unemployment rate and frankly. Until hiring picks up and we really don’t have many signs of it. Even as we enter 2026 unemployment rate’s gonna probably keep drifting up ’cause we’re not keeping job creation’s, not keeping up with, you know, people coming into the, into the labor market and, and that what’s, I think the puzzle right now is that hiring has been very low. But what we’ve seen in terms of consumer spending, business investment, so the kind of the big pieces of GDP, they’ve really held up pretty well, so. Business. It’s not, again, not that recession of the customers have disappeared. And so we’re not hiring, or we may even be firing workers. The customers are there for the businesses, but they’re choosing in this environment not to add, uh, to their payrolls. And that’s slowly pushing up down point rate. Yeah. Um, you know, it, it’s interesting what you’re, you’re talking about, but essentially you’re, people aren’t getting fired. They’re just, when they retire or leave, they’re just not replacing those. Individuals, you know, makes me think a little bit about what’s going on in the big, you know, in the tech push with artificial intelligence and that kind of thing, and increased in efficiency. Certainly you see that in the larger companies like Amazon and all that, where they’re just becoming massively more productive and cutting expenses essentially by, you know, using tech. Do you think that this is sort of an early indication, potentially of that kind of movement? So it. It’s possible, but I think we’re at the very front end of AI disrupting the labor market. This low hiring rate that we’ve talked about. You see this across all kinds of industries, including ones that don’t show high levels of AI adoption, and frankly, a AI adoption is pretty low. I mean, there are some sectors like tech and increasingly finance and some professional services have higher adoption rates. Uh, but in terms of it being able to explain the low hiring. I think it’s pretty tough ’cause the low hiring is such a, such a broad based, um, phenomenon. Now, AI might be, I think, indirectly contributing in that one of, one of the hypotheses about why, um, businesses have been, uh, not hiring despite, you know, economic activity. Continuing to push ahead could be that there’s a lot of uncertainty. Now there is a long list that we could draw of, of factors that might be causing businesses to be uncertain and hesitant to add to their payrolls. Uh, a lot of times you talk about things with tariffs or, you know, economic policy, regulations changing, you know, so there’s a lot going on there. But it could also be, there’s a lot of uncertainty about what this technology means for the future. Maybe you don’t need to bring on more workers because your ability to kind of use and adapt this technologies coming online. And so like that could be part of it. I think there’s another piece, you know, we have a lot of discussion about ai, but I do think that there’s, there could be a, a technology angle to this that’s, that is. Not in the AI technologies, but maybe just some of the more basic kind of automation is again, right after, you know, the, the pandemic recession as we came out of a, you know, very rapid recovery, uh, there was, there was a lot of hiring or that, ’cause businesses had done a lot of firing and they needed to bring back workers really rapidly and we actually had a period of labor shortages. There were workers moving around a lot and there were, that also put a lot of pressure on some employers, particularly in service sector, to automate more ’cause they just couldn’t get the workers, so they needed to bring technology. Online to help, you know, fill the gap. And over time, you know, businesses though, they haven’t done as much hiring, they have been firing. So the workers, they have longer tenures, have more experience, they’re probably more productive. So maybe businesses can kind of, you know, get away with not doing more hiring. ’cause the people they have there can kind of keep up with it. Um, and they’ve done some more automation. I don’t think those are sustainable. I think we’re going to need to see hiring pickup in terms of, of staying with, um, you know, as expanding, uh, demand from customers. But I won’t pretend to know what AI means for the future of the labor force. Right. So like there could be, I think that’s a big conversation about we’re headed, where we’re headed. I think it’s probably a pretty small slice of explaining. Where we’re at right now. You know, it’s interesting because obviously there was a lot of concerns about rising inflation, and particularly in the context of, you know, tariffs and, and among those types of things that were, were, um, coming down the pipe. And as it turns out, inflation seems to be coming down. How do you explain that from where you sit? Because it, it, it seems sort of to contradict a lot of what, you know, many economists believe to be likely. So when thinking about the effects of tariffs on inflation and this, this idea that it didn’t end up being as much of a factors we had really feared, uh, you know, a year ago. I think there’s a few things to keep in mind. One, the announced tariffs, uh. Didn’t come to pass fully. Right? So there’s a big difference between some of the, the, the initial announcements, whether it was on Liberation Day, April 2nd, or the initial kind of retaliation tit for tat with China, where we ended up with some triple digit, uh, tariff numbers. Those didn’t end up being where we, we ended now tariff, the effect of tariff rate. Is much higher than it was before. Right. Uh, president Trump came into office for the second time, so like, I don’t wanna minimize the, the, the increase in tariffs and the US government collected about $200 billion last year in, in additional tariffs. But there is a, there’s a good bit of daylight between what was announced and where we actually ended up. Businesses also proved very capable of trying to avoid those tariffs and not in like a. Illegal kind of way of avoiding them, but, but using inventories like trying to get ahead of them. We know the tariffs are tariffs. There’s been some evidence that, that it’s businesses are gonna start passing on the tariff cost increase when it’s actually tied to the inventories that they’re putting out in front of customers. And for some of our goods, like say apparel or things that have long seasons or come from, you know, all across the world, it actually takes quite a bit of time from the inventories being what actually shows up in front of customers. So there’s been the ability to. Kind of get around the tariffs ’cause they were rolling in. And so do be smart in terms of your inventories. And then it just takes time for those inventories to be, you know, um, to come down. Mm-hmm. By, there’s been several studies at this place, at this point that, that demonstrate that the, the tariffs, the cost of the tariffs is coming into the us. So the, it’s always the importer that pays the tariff, like literally writes the check to the US government. But it’s possible that the foreign producer could say, reduce their prices on what they’re, you know, paying or what they’re asking to be paid for that, uh, imported good. And then that would be a way of the foreign producer sharing the cost of the tariff. But everything that we see from the M Court data suggests that a very small fraction, probably less than 10%. Of the total tariff burden is being born by, at least at this point, born by the foreign producers. So it’s coming into the us. It’s sitting with either US businesses that are importing the goods or have the goods at some point in their, you know, in their supply chains and, and with us customers, the consumers we have, we’ve seen. I think you can really look at the inflation data. You can see the goods prices, which often are kind of a drag on inflation that they did turn around. They’re, they’re putting upward pressure on inflation. It’s not massive. It doesn’t explain all of these, you know, 200 billion in tariff costs, but then it is, it’s sitting with businesses. The effects still, it’s still just not that long enough to really understand. You know what, what the implications. It’s possible. I, I think that’s true with any, with any big policy change. Like it doesn’t happen overnight. I think that’s one thing that a lot of, a lot of economic models that, like, they’re, they’re very sensitive, right? Like as soon as a policy change happens, the models will kind of tell us something pretty dramatic in terms of adjustments. But this last year was a reminder, like when there’s, when there’s a big cost, there’s gonna be a lot of attempts to adjust around it to try to minimize that cost and then. It takes time, like in the real world, like the interactions are much more complex. You know, inventory lags all of the, like, it takes time to move its way through. So I think we’re not done with the pass through. I think we’ll probably still see more come to consumers, but businesses could decide to bear that cost. They, they could, you know, with profit margins. I mean some of, some of the inflationary environment in the pandemic did allow. There were very broad base increases in prices. You did see some companies be profitable from that because it was, there was a, you know, some of the costs were more targeted, but the, you know, the, the price increases were broad. So it could be a time where businesses see that, you know, consumers are more price sensitive now than they were in 21, 20 21, 20 22, so they’re not passing as much on it. Could be that that’s part of where. Like the cost businesses are dealing with that cost by maybe doing less hiring as opposed to passing it on to consumers. Uh, you know, they could be taking a hit with their profits. They, you know, so like, it doesn’t have to go all the way through to consumers. There are different levers that can be pulled. I do think we’ll still see some pass through in the, in probably the first half of this year, and that’s assuming that our whole tariff regime. Sit still, right? It looks like once again we might be, uh, increasing those tariffs, but, um, so yeah, I think it’s just tracing, you know, the tariffs through the system is really complicated. And one last thing I’ll say about the tariffs is they’re not just tariffs on goods that go to consumers. These tariffs have been broad enough that we’re also taring imported goods that are used by our manufacturers used for our, by our businesses in their production. So then it can take a really long time for that to end up with the, you know, the end customer could be a business to start with, and then it moves its way down. So I think these are just, you know, the costs are real. We can see the tariffs have been collected, the costs are there. We can see in the import data, there haven’t been import price data, there haven’t been a lot of adjustments by the foreign suppliers. So then it’s just a question of, we have these costs. Where did the cost go? I believe the last GEP was 4.3% and, uh, inflation was around 2.6, 2.7, or at least core. You’ve obviously, uh, worked at the Fed. Um, give us a sense of the situation that the Fed is trying to figure out here. Like what do they do with these numbers and, you know, all of the issues that surround them. The work at the Fed, I mean, it, it’s laser focused on the, the response, the mandates that the Fed has. So with maximum employment and price stability and with maximum employment, that’s not something that can be easily defined. It’s not like it’s a particular unemployment rate, it’s not a particular payroll number. But I mean, broadly speaking, it’s, you know, do, are, you know, the people who wanna work, are they working? In such a way that it’s not putting pressure on inflation, right? Like labor shortages that end up with wage increases that just, you know, end up with inflation. Like that would be a situation where the Fed would actually want to kind of help restrain some of the. Uh, employment growth. And we, we saw that in this cycle. I mean, the Fed raised rates a lot in 2022 and 2023. Uh, so that’s the maximum employment on the stable prices. The Fed has set a target of the 2%, uh, year over year PCE inflation. So a little different than the CPI inflation, but very much related. And, and it’s one, I mean, that’s, that’s the goal, right? And it, uh. So it starts with those two pieces and, and what’s been, I think what’s been challenging in say the last year as the Fed was, you know, trying to figure out what it was gonna do with interest rates was the fact that it, there was pressure on both sides of the mandate. Mm-hmm. Um, and not necessarily the, well, I mean, inflation itself has, was above the 2%. It continues to be above the 2%. Target has been. Since 2021. Now the Fed’s policy doesn’t have a look back, but I mean, they do worry that the longer inflation stays closer to three than two businesses. Consumers are gonna start to kind of embed three into their actions, their expectations. Then you kind of get stuck there. So like that, that both, you know, they were missing on the inflation mandate and there were, there were concerns that the, that we might see inflation get stuck above the mandate and the way you dislodge it if it gets stuck. Could end up risking a recession, right? So the Fed doesn’t want that to happen. So that’s a real concern. But then on the employment side, you know, we started out talking about the small rule, the rising unemployment rate. We’ve seen the unemployment rate rising. And then last year in particular, it wasn’t just the unemployment rate rising, we saw job creation just really take a leg down. Um. Some of that probably is less immigration population aging, so less supply of workers, which isn’t something the Fed would react to. ’cause that, I mean, if you don’t have as many people that wanna work, you don’t need to create as many jobs. But the unemployment rate was rising, so it’s clear, like there just wasn’t, there wasn’t enough job creation to keep up with, um, the workers who were there, uh, to work. And, and there was a concern that this could, could spiral out. Those small increased unemployment rate that, that very low level of job creation. And frankly, if you look at, I mean the, I mean, we have multiple months and probably more after revisions of declines in payroll employment. Mm-hmm. Like if you looked at the labor market data, you’d be like, aren’t we in a recession or like on the edge of one? Again, that’s not where we’re at, but it, it certainly gave that, that risk. Things could be slowing down. And, and the, the last piece that was really important in the Fed’s decisions was where, where’s the federal funds rate? Where are the interest rate, the policy interest rate they control? And it was still relatively high. For, for recent history, right. Not in the long history of the Fed, but mm-hmm. And so, like the Fed had raised, they’d raised interest rates quite aggressively to fight the inflation in 2022. They’d very gradually lowered it. Some was taken out in 2023 because made some pro, made quite a bit of progress on inflation in, or in 2024, they lowered the rates in 2025, the 75 basis points of cuts that the Fed did. It was out of concern. Of the labor market unraveling a risk, not a, not saying, hey, the labor market is unraveling, but saying the risk that the downside risk to employment are larger and more worrisome than the upside risk to inflation. So this inflation getting stuck, is that still the case as a going into 2026 here? So, you know, even, even last year we saw, we listened to Fed officials, there’s quite a bit of disagreement. Because it was a tough situation to read. There are some Fed officials that were more focused on inflation, some that were more focused on the employment side. Uh, and it really was just a matter of kind of reading the economy and trying to figure out this, a very unusual situation, like where, where was this headed? What did the Fed need to do? In the end, the consensus on the Fed was to do the rate cuts, kind of front load them. They talked a lot about it as insurance. They’re taking out insurance against the labor market deteriorating. And I think with that approach, in all likelihood, and there’s been certainly signaling of this, that when they meet at the end of January, it’ll, they’re unlikely to move again. That this is, this will be an opportunity to hold steady, be patient the Fed has, has taken out their restriction. So they don’t have the higher rates, so they’ve pulled rates down. We also know that early this year there’s various kinds of fiscal support that are coming online or tax cuts to households and to businesses that should give a little extra lift, uh, to the economy. So I think it’s a period of the Fed waiting to see what the effects of their policy changes are, seeing what the effects of the fiscal policy with the expectation this will be enough to stabilize the labor market. Even help get it back on track and really what the Fed would like. I mean, we’ll see what they get, but they’d really like the next cut to be a good news cut. Like inflation. Oh look, it’s moving back down again. We’re making clear progress back to 2%. I think that’s probably gonna take maybe even till the middle of this year to build that case. A strong case for the disinflation. Mm-hmm. But that’s, that’s what they would, would like to do. But they’re gonna keep an eye on the labor market. But nothing we’ve seen in the most recent data suggests that they gotta get moving like that. There’s some, you know, real pressure building. Um, in fact, the labor market looks a little bit better probably than when they met in December and inflation. Showing some signs of progress, but it, it’s pretty bumpy in terms of, there’s a lot of noise in the data at the moment. You mentioned, um, the Fed’s mandate and you know, certainly that’s something, um, that, uh, you know, that, that we know the Fed looks at these unemployment numbers that look at inflation. I’m curious though, that there’s, you know, there is this push and pull with the treasury. In particular, you know, looking at the amount of, of, of, of bonds that need to be refinanced, that kind of thing. I mean, presumably that’s one of the reasons why the Trump administration is pushing so hard, uh, on the Fed to reduce, um, you know, to reduce rates so that you know, this sovereign debt can be refinanced at a, something a little bit more palatable. How much of that actually. I know it’s not supposed to play a part in the Federal Reserve’s actions, but in reality is there, is there that kind of, you know, thinking that, you know, they have to, they, they may try to play ball a little bit with the, with the situation, with the debt. Yeah. There, the, the Fed is not playing ball right now with the administration. Uh, but, but there have been, there have been times in our past. So during World War II, there was an explicit cooperation between the Fed and the Treasury. The Fed kept interest rates low. Both the federal funds rates, so the short term interest rates, they also did, uh, some purchases of longer term to help keep longer term rates down. Right. So I mean, the, the Fed really, they, their policy was oriented exactly on this objective, keeping the borrowing cost of the US government low because it was financing the war effort. So, so there have been times where the Fed has cooperated with treasury. Now, when they came out of World War ii. What happened is, you know, treasury wants to keep interest rates low. This is good for, you know, the economy, good for growth, but it was, it really was creating a lot of inflationary pressures and it took until the early 1950s for the Fed to kind of regain its kind of operational independence from treasury and then go back to pursuing, you know, inflation as a key goal. And then also in the late seventies and maximum employment was added as an explicit goal. So we’re in a place now where. It’s employment, it’s inflation, it, there was quite, um, I mean, president Trump and some other officials have been, you know, very open about saying rates should be low to help with the deficit, with funding the gov. So like, it’s, it’s been in the discussion in the air. But that’s not, that’s not a mandate that Congress has given the Fed. That’s not what they’re pursuing. It does, you know, but things can change at the Fed. We’re gonna see a change in leadership this year with a new Fed chair. Um, the Fed always, I mean, Congress created the Federal Reserve. It’s changed its abilities, its responsibilities over time. I don’t wanna say that we’ll never get back to a place where the Fed thinks about. Its effect on the deficit. I mean, they’re watching it, they know, right? They’re tracking all these aspects of the economy. But in terms of what’s driving the Fed’s decisions about what the, the federal funds rate should be, that’s not part of the calculus right now. Yeah. Um, you know, another, just another question is for clarity. You know, the, the, um, officially right now there’s, there’s no quantitative easing. However, there is. Uh, you know, I’ve been reading, uh, about even, I think even today, there was a, a fair amount of liquidity, uh, being injected in by the Fed. Can you, for people who don’t understand the mechanics of this and what the difference in terminology is, can you explain to us maybe what the difference is between quantitative easing and what’s being done right now? So just as for context, where quantitative easing even came from. So if we go back to the global financial crisis in 2008, the Federal Reserve, in response to that recession, pulled the federal funds rate all the way to zero. Cut rates to zero And as sure many of us remember that that recession was a very deep and long recession. So, and the unemployment rate was, you know, 10% and inflation was not a problem. So the, the Fed would want in that environment to do more to support the economy. But when the federal funds rate is at zero, that’s, its, that has been its primary tool. Well, that’s, that’s. Stepped out. So then as a question of, well, what else could we do to help support the economy? And, and there, there were. Different possibilities. Uh, some European central banks looked at, you know, they actually did negative interest rates or tried to pull their policy rates, and that’s not what the US did. What was done was to do purchases of, uh, treasuries. Uh, there’s also been purchases of mortgage backed securities, and this is where the Fed is. I mean, and, and they’re creating reserves. So the fed, I guess, secretary, uh. Treasury doesn’t refer to it as magic money. Um, you know, they create reserves and then they’re going out and they’re buying tr so they’re pushing that liquidity, that demand into markets. And if you’re, if there’s a lot more demand for treasuries, well, the price of the treasuries will go up. The yield comes down. Interest rates go down. Yep. Interest rates go down. So they. They were, the Fed wanted to support the economy more. That was the tool that they used to do it. So when, when the Fed talks about quantitative easing, it’s not just the tool, the asset purchases, it’s also the intent, right? They wouldn’t do quantitative easing right now. ’cause if the Fed thought they really need to stimulate the economy more, they’ve still got like. More than three percentage points they could cut from the federal funds rate. Like if the issue were right now, we need to like get the economy going, they’re gonna like cut the funds rate and do it that way. They wouldn’t be pur like purchasing assets, purchasing treasuries to do that. But what what happened is between the global financial crisis, the Great recession, so all the asset purchases done then. There was some, some runoff of the balance sheet, but then again, in the pandemic there were a lot of asset purchases. Uh, the Fed has a really big balance sheet, and it has, uh, it, it kind of changes the way that the Fed can even just move around the federal funds rate. Like, I don’t wanna get too much into the, the technicals, but it’s, it’s just, you know, when the Fed says, well, we wanna lower the, the funds rate to 3.5%. In the old days, they could kind of do, you know, with the bank reserves and they could like, make these small purchases and it would, it would make that stick. Now with, there’s, uh, banks have a lot of reserves, so they’re not as responsive. And so just to kind of, there’s like the, the technical, the tools, the Fed has to just make it happen. In terms of operationally, it means that they have to do some purchases now and then they call their, I mean the new name they have for these are reserve management. Purchases. So it’s really about operations. It’s not about, but it does mean they’re purchasing assets. So if you’re just focused on like the Fed’s purchasing assets, they’re putting liquidity into the system. Yes, they are doing that, but it’s not with the intent to kind of push the economy to run harder. It’s just enough liquidity to keep. The federal funds rate stable at the level that they wanted to be at, to just make sure that all these operations are short in the very short term lending markets amongst banks, that it’s all kind of working as mm-hmm. As it should be. So it’s more about operations and it’s about stimulus policy. Right. A lot of our, um, a lot of our listeners are real estate owners, investors, and they’re, you know, they think about, um. Mortgage rates and that kind of thing. There was recently a, a pretty significant, well, I don’t know how significant it really was. I think it was about, was it maybe $250 billion worth of mortgage backed securities purchased by Fannie Mae. Um, that ca can you talk about the purpose of that and really the, you know, what kind of effect that would actually, we could actually expect from that. It’s certainly been, I mean it’s, it is clear. You know, we talked about one reason that the administration would want interest rates down. It’d be like financing the deficit. Right. Another reason that very much pulls into kind of the affordability debate is we want interest rates lower, one of them lower for consumers. Now the White House has put a lot of pressure on the Fed for them to lower rates even faster than they have. Has not played ball with that. But then the Fed has lowered its rates. The Feds rates are very short term rates, and the federal funds rate is like an overnight rate with between banks. Right. So it, and it has an effect on, you know. Credit card rates, short term rates, but it’s not one, it, it has an effect, but it’s really not like driving necessarily 30 year mortgage rates or you know, some of the longer term rates. There’s a lot of other factors that go into that, and so in this kind of, you know, push for lower mortgage rates. Pushing on the Fed is not the only lever to pull, right? The administration has other levers that they could potentially pull, um, in trying to influence mortgage rates. Now, there, I’d argue the administration’s tools here, like the, the $200 billion, Fannie and Freddie purchase that you mentioned. That really is about trying to reduce the spread. Between mortgages and treasuries. So in some ways it sounds similar, like, oh, fed and Franny, which are, you know, GSEs. So part, part of the, you know, government right now, at least they were privatized during the global financial crisis. You think, oh, they’re going out and purchasing this Sounds a lot like the Fed going out and purchasing. There are there, there’s some parallels, but we need to remember, Fannie and Freddie don’t create money. The Fed, when they start, when they start the process of their quantitative easing, they’re creating reserves like they’re actually creating liquidity and money supply. Fannie and Freddie have authorization to be able to make these purchases, but they’re not like the fed. They’re not creating reserves, but they can, so I don’t wanna think about them like bringing down the whole set of interest rates, but they can affect this spread between mortgages and say treasuries. Right? And so, because again, if you’re, if the. If the GSEs are going out, they’re purchasing mortgage backed securities, well that’s increasing demand for those, and that can push down the rates, that can like squeeze that spread. And, and while the announcement has been made, you know, I mean they’re, they’re in the early stages of putting that in place, but we even on the announcements, saw a response in financial markets and you’re seeing some movement down, uh, in mortgage rates now. It was. Pretty modest, right? And, and 200 billion while, you know, not nothing, uh, really pales in comparison to like the scale of say, the quantitative easing that the Fed did. Um, and there are probably other, but the, you know, the administration’s not done. It doesn’t necessarily have to be that Fannie and Freddie do more purchases. The the spread between mortgage rates and treasuries is pretty substantial. There’s other places where, you know, the fees that go into getting a mortgage are quite a bit larger than they were before the, the global financial crisis. So maybe they go in and try to chip away at the fees and, you know, so there’s, there’s different levers. And I fully expect, and I think we’re gonna get some announcements here again soon on the White Houses. Housing affordability agenda. So there may be other, other ways that they’re trying to, uh, influence, uh, the mortgage spreads. But that’s, that’s what that is all about. And it, it should have, and it looks like, you know, it’s having some effect in terms of bringing rates down, but it likely, it’d be modest, like in the 10 basis points, maybe 20 if they ramp up the program some. But like, it, you know, it’s, it, it, you know, every, every bit counts. But this is not a. Uh, this won’t be enough to, you know, move rates down, dramatic mortgage rates down dramatically, uh, when you, when you look at the economy. Um, and I, I, I think just, you know, one last question. I mean, I just in terms of, you know, the people listening to this are. They’re, they’re people, you know, with jobs and who are trying to invest their money, and they’re trying to, you know, build long-term wealth, but they’re, you know, everybody’s worried about what’s happening with the economy. What, what, what do you think, like, just as, um, um, you know, perspective for people to understand or try to have some framework for how to look at what’s going on in the economy. How they should judge it. Like what would you suggest, like just for mom and pop investors trying to, what is happening with the economy? I’m not an economist. What, what are the, what are the things that you think they should consider studying up on, looking into a little bit? One challenge for a lot of investors, I mean, frankly, it’s, it’s been a challenge that I try to deal with too. Uh, we’re, we’re in an environment where there’s just. There’s so much news coming out of DC uh, with the White House and policies and the Fed, and you know, I mean, like, there’s just, there’s a lot. The headlines are big. And like I talked about with the tariffs, we had like really big tariff announcements. The really scary numbers were, and then it like dialed back and then we pushed through it and it’s like, and it’s this remembering that, um. There’s always a tendency to have this idea that the, the president really runs the economy. I mean, that’s not just about this administration. That’s like a longstanding, you know, the president gets, uh, blame or credit for the economy when really, right. Like we have a over 33, $30 trillion economy, hundreds of millions of workers, tens of millions of businesses. Like this is not about one administration. And so we always need to be careful about. Putting too much weight on the policies coming out of dc. Uh, and you know, last year if you really just listened to all the, you know, we’re cutting immigration, we’re raising tariffs, we’re doing, you know, all, there’s a lot of uncertainty in Doge. Well then you might have missed, like, there’s a bunch of AI investment happening and we’ve got a lot of growth in the economy and while consumers are still pretty resilient, so you, it’s kind of like. Tuning down the volume, some coming out of Washington, especially the like every twist and turn. Uh, and then kind of focusing in on the fundamentals. I will say, you know, you don’t wanna turn down DC too far because we, we do have some like big picture events that could play out over many years. Right. So kind of keeping an eye on it, but for the long game. As opposed to reacting to every twist and turn, every policy announcement, because a lot of this clearly is more of a negotiation than it is like, we’re gonna actually do this. So, you know, as investors, you don’t wanna get whipped around by the latest headline, but you also can’t put your head in the sand. Like you gotta kind of try and find a way to pull the signal out of the noise. And it is really. It’s really hard. Yeah. Like this has been a challenging time and the, the US economy’s been doing things that are not typical. We talked about some of the things with the labor market and we are running some policy experiments that haven’t been run in a long time, so things could change pretty dramatically. But I think it’s just trying to absorb the information, not get too wound up about it, but like also keep an eye on like what’s good for long-term growth. Yeah. Because it’s good for long-term productivity. Thank you so much Dr. Sahm. It’s uh, it’s been a pleasure talking to you on, uh, wealth Formula Podcast today. Great. Thank you so much. You make a lot of money but are still worried about retirement. Maybe you didn’t start earning until your thirties. Now you’re trying to catch up. Meanwhile, you’ve got a mortgage, a private school to pay for, and you feel like you’re getting further and further behind. Now, good news, if you need to catch up on retirement, check out a program put out by some of the oldest and most prestigious life insurance companies in the world. It’s called Wealth Accelerator, and it can help you amplify your returns quickly, protect your money from creditors, and provide financial protection to your family if something happens to you. The concept. Here are used by some of the wealthiest families in the world, and there’s no reason why they can’t be used by you. Check it out for yourself by going to wealthformulabanking.com. Welcome back to the show everyone. Hope you enjoyed it. It was Claudia Sahm. She is, uh, she’s a very, very smart lady. And, uh, just a reminder, if you have not done so, uh, I, I don’t frequently ask to do, do this, but, uh, make sure you give the show. Five stars and a positive review because that’s how we’re getting, you know, really high quality people like Claudia on the show, I’ve been around for a long time. It helps that the show is, you know, like over a decade old and all that stuff too. But, uh, anything you can do to support would be very helpful. And also one more reminder, uh, if you have not done so and you weren’t a credit investor, make sure you sign up for that investor club. At Wealth formula.com. That’s it for me. This week on Wealth Formula Podcast. This is about Joffrey signing out. If you wanna learn more, you can now get free access to our in-depth personal finance course featuring industry leaders like Tom Wheelwright and Ken m. Visit wealthformularoadmap.com.

Listen to Big Picture to get the quick context for this week's reading, Moses 7!And grab study guides for the whole family here: - To get Cali's scripture study guide for adults click here: https://comefollowmestudy.com/shop/ Discount code: OMSSOr purchase on Amazon: https://a.co/d/hd85Cuj-Grab Kristen's copies of helpful PDFs and study guides here: https://shop.kristenwalkersmith.com/products/ Check out her monthly Come Follow Me YouTube videos here: https://kristenwalkersmith.com/youtube/Get our NEW 365-day Old Testament daily devotional book in Costco stores in Utah, Idaho, ArizonaOr purchase on Amazon: https://a.co/d/0p3Ds0t Hosted on Acast. See acast.com/privacy for more information.

Jan 30, 2026 – Amid a global race for resources, Financial Sense's Jim Puplava unpacks the “invisible chokehold” disrupting energy and minerals supply chains in the US and around the world. Puplava outlines America's decline in coal and nuclear power...

USA Today's Blake Toppmeyer joins the show College Football thoughts and fixes Tennessee vs Georgia Preview

Jack Atherton talks DEI in HollywoodSee omnystudio.com/listener for privacy information.

Big Picture with Jack Atherton, Donovan O'Neil, Inside Scoop with Breitbart's AWR Hawkins, Judge Napolitano plus Mardi Gras for Homeless Kids.See omnystudio.com/listener for privacy information.

Do you ever wonder how all the events of Jesus public ministry fit into an overarching mission? Dr. Sri explains how the Gospel of Matthew gives us the big picture of Jesus' public ministry, connecting the old testament to Jesus' Kingdom mission. _ _ For full shownotes, visit Ascensionpress.com/Allthingscatholic, or text ALLTHINGSCATHOLIC to 33-777 for weekly shownotes sent to your inbox.

David Anderson and I discuss the offseason so far for Rutgers football. We ponder why Schiano is nearing February without a DC for a second consecutive year, the stability the offense brings, unprecedented support both with the administration and financially, why it's fair for fans to be concerned with the state of the program right now and how close things were to RU being in a more positive situation.#rutgersfootball

Economic data Tuesday moved markets, though @CharlesSchwab's Joe Mazzola believes it's Wednesday that will have the week's biggest mover potential. He explains how Mag 7 earnings in Microsoft (MSFT), Meta Platforms (META), and Tesla (TSLA) can rattle markets and how it can "tip the scale" for the rotation trade. Cooper Howard has his eyes on the Fed and ways the FOMC can show a widening divide on their interest rate stance.======== Schwab Network ========Empowering every investor and trader, every market day.Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – / schwabnetwork Follow us on Facebook – / schwabnetwork Follow us on LinkedIn - / schwab-network About Schwab Network - https://schwabnetwork.com/about

Genealogy Gems Podcast Episode 303with Lisa Louise CookeJanuary 2026 Visit the Show Notes Page: Visit the show notes page at Genealogy Gems for everything discussed in this episode. You'll also find the videos on these topics. Premium Members can download the show notes cheat sheet PDF. Become a Genealogy Gems Premium eLearning Member: Gain access to the complete Premium podcast archive of over 150 episodes and more than 50 video webinars, including Lisa Louise Cooke's newest video The Big Picture in Little Details. Become a member here. Get Lisa's Online Genealogy Course: How to Create a Genealogy Research Plan in 10 Minutes a Day Watch our latest videos on genealogy methodology: A Month by Month Plan for Genealogy (Premium) Big Picture in Little Details (Premium)Birthdates Conflict and How to Solve ItCold Case Strategies (Premium) Females before 1850 (Premium) Finding Hard-to-Find Records Fixing Genealogy ErrorsFree Genealogy The free podcast is sponsored by: Get your DNA kit today. Visit newspapers.com/genealogygems to get 20% off your subscription. Archives.com Follow Lisa and Genealogy Gems on Social Media: Instagram.com/genealogygemspodcast Facebook.com/genealogygems Pinterest.com/lisalouisecooke YouTube.com/GenealogyGems Stay Up to Date with the Genealogy Gems Newsletter The Genealogy Gems email newsletter is the best way to stay informed about what's available with your Premium eLearning Membership. Sign up today.

We should give willingly and proportionately, trusting God to accomplish good through our gifts and to provide for us in the process.

Listen to Big Picture to get the quick context for this week's reading, Genesis 5; Moses 6!And grab study guides for the whole family here: - To get Cali's scripture study guide for adults click here: https://comefollowmestudy.com/shop/ Discount code: OMSSOr purchase on Amazon: https://a.co/d/hd85Cuj-Grab Kristen's copies of helpful PDFs and study guides here: https://shop.kristenwalkersmith.com/products/ Check out her monthly Come Follow Me YouTube videos here: https://kristenwalkersmith.com/youtube/Get our NEW 365-day Old Testament daily devotional book in Costco stores in Utah, Idaho, ArizonaOr purchase on Amazon: https://a.co/d/0p3Ds0t Hosted on Acast. See acast.com/privacy for more information.

We should give willingly and proportionately, trusting God to accomplish good through our gifts and to provide for us in the process.

Rachel meets Director Robbie Synge to learn about a new film featuring young people at work and play in the landscapes of the Cairngorms. ‘Tha Sinn an Seo' (We Are Here), made throughout 2025, explores habitat restoration work of Cairngorms Connect.The National Trust for Scotland has purchased new land around the Drum Estate, near Banchory, Aberdeenshire to help expand the ancient tree population. Mark takes a wander with Gardens and Designed Landscape Manager, Chris Wardle.Scientists at Aberdeen University and the James Hutton Institute are examining whether a compound found in part of the potato plant could be used in the cosmetics industry. Near Montrose, Rachel joins Grampian Growers Project Manager Sofia Alexiou and Managing Director Kirsty Spink in a tattie shed.A stakeholder discussion on the potential reintroduction of lynx is being launched this month. Mark meets Lisa Chilton, CEO of Scotland the Big Picture, in Aviemore to find out how events across Highland and Moray will gather local views.Rachel chats to Professor Pete Iannetta from the James Hutton Institute who explains what a large part of our diet would have consisted of in days of old.Mark joins Aberdeen City Council Countryside Ranger Service and volunteers keeping an area of land on the outskirts of Aberdeen free of gorse.Rare seagrass "fairy circles" have been discovered in the Sound of Barra. Rachel and Mark are joined by Sarah Cunningham of NatureScot to discuss the seagrass doughnuts.Helen Needham meets interdisciplinary plant Researcher Em Merrin May Armstrong in Glasgow to explore Queer Ecology.Mother and daughter Mhairi and Maisie Watson volunteer as lifeboat crew for RNLI Anstruther. Mark catches up with the pair to discover what lifeboat training involves.

FOX Sports' Aaron Torres joins the show Bediako set to play against the Vols Should Barnes play more small ball?

Countries across the globe are looking for their slice of the pie when it comes to securing their own sovereignty, says Benoit Gervais. He argues commodities are of critical importance to investors once again as geopolitical tensions heighten and uncertainty grows. Benoit talks about how a continuing oversupply of crude oil will keep prices down for the U.S. and other western countries. As for metals and rare earth, Benoit believes tech's necessity for copper and silver will only accelerate. ======== Schwab Network ========Empowering every investor and trader, every market day.Options involve risks and are not suitable for all investors. Before trading, read the Options Disclosure Document. http://bit.ly/2v9tH6DSubscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/About Schwab Network - https://schwabnetwork.com/about

t's a New Year and a birthday celebration on Boomer and the Millennial as Reggie and Armondi kick off 2026 with reflection, laughter, and real talk across generations. The episode opens with Armondi's honest new-dad update, navigating sleep deprivation, work, school, and the everyday joys of raising four-month-old Ava Marie—who makes a few surprise appearances of her own. Reggie reflects on celebrating his birthday and New Year as a first-time grandfather, sharing his perspective on aging, gratitude, health, and purpose after a challenging year. From there, the conversation shifts to sports, as Reggie and Armondi break down the College Football Playoff, Georgia's frustrating exit, coaching decisions, NIL realities, and bold predictions for the national championship. They also discuss the Atlanta Falcons' coaching changes, quarterback uncertainty, and what needs to change for Atlanta football to move forward. The episode wraps with entertainment talk, including the frustration over canceled streaming series, the value of limited series, and why proper endings matter in television, as seen in the series finales of The Upshaws and Stranger Things on Netflix. Thoughtful, funny, and deeply personal, this episode captures what Boomer and the Millennial do best—connecting life, culture, sports, and family across two generations as they learn from each other in real time.

Witness Consciousness ~ Pictures of You / The Big Picture (16 August 2014 - Washington, DC)

Jack Atherton explores the concept of meritocracy, tracing its historical roots to Confucius and examining its current state in America. The speakers discuss the challenges posed by affirmative action, the role of government workers, and the implications of recent Supreme Court decisions on educational admissions. The dialogue emphasizes the need for a competent bureaucracy and the dangers of a system that prioritizes identity over merit.See omnystudio.com/listener for privacy information.

Examining Paper 12 ("The Universe of Universes"), a summary description of our universe, how space is expanding and where we fit as a planet in the cosmos.

Listen to Big Picture to get the quick context for this week's reading, Genesis 3-4; Moses 4-5!And grab study guides for the whole family here: - To get Cali's scripture study guide for adults click here: https://comefollowmestudy.com/shop/ Discount code: OMSSOr purchase on Amazon: https://a.co/d/hd85Cuj-Grab Kristen's copies of helpful PDFs and study guides here: https://shop.kristenwalkersmith.com/products/ Check out her monthly Come Follow Me YouTube videos here: https://kristenwalkersmith.com/youtube/Get our NEW 365-day Old Testament daily devotional book in Costco stores in Utah, Idaho, ArizonaOr purchase on Amazon: https://a.co/d/0p3Ds0t Hosted on Acast. See acast.com/privacy for more information.

Alisa Dixon joins us on Sundays to look at the big picture - the energy in front, or behind us from the sky. Anticipation or reflection - a quick energy-vibe touch-base every Sunday morning on the Fun Astrology Podcast. Welcome aboard, Alisa! 

In this sermon by Chris Romig, the key focus is Revelation chapter 12, which offers a cosmic perspective on God's plan for salvation. Chris Romig interprets the main symbols shown, the woman as Israel, the dragon as Satan, and the male child as Jesus. He explains that this vision is not merely a distant prophecy but the deeper reality behind the Christmas story, revealing a spiritual battle in which God's plan triumphs over every attempt by Satan to thwart it. Throughout history, Satan's efforts to destroy God's people and stop the Messiah were repeatedly defeated. Chris reassures listeners that, although Satan appears powerful, he is ultimately thrown down and defeated by God. The sermon emphasizes that Christians should not fear evil, but instead find confidence in God's sovereignty and the victory achieved through Christ. In moments of struggle, believers are encouraged to remember that Satan is already a defeated foe, and that true victory is assured through faith in Jesus.

Jack Atherton discusses the complexities of American politics, focusing on the paralysis caused by rigid principles and the challenges of bipartisanship. He draws historical parallels to illustrate the difficulties in amending the Constitution and the implications of social media on political discourse. The conversation emphasizes the need for compromise and the importance of informed voter participation in elections. Takeaways Conservative principles can lead to political paralysis. The U.S. Constitution is a complex framework that requires careful navigation. Amending the Constitution is intentionally difficult to preserve rights. Judicial interpretation can shift with the political landscape. Bipartisanship is increasingly rare in today's political climate. Social media influences public perception and political ideology. Voter participation is crucial for shaping the political landscape. The radical left's agenda poses a threat to constitutional rights. Compromise is essential for effective governance. Political discourse has become more polarized and chaotic. See omnystudio.com/listener for privacy information.

In the first episode of the Goldman Sachs Exchanges: Outlook 2026 series, Goldman Sachs Research's Jan Hatzius and Dominic Wilson discuss the trends shaping the global economy and markets in the coming year. This episode was recorded on January 8th, 2026. The opinions and views expressed herein are as of the date of publication, subject to change without notice, and may not necessarily reflect the institutional views of Goldman Sachs or its affiliates. The material provided is intended for informational purposes only, and does not constitute investment advice, a recommendation from any Goldman Sachs entity to take any particular action, or an offer or solicitation to purchase or sell any securities or financial products. This material may contain forward-looking statements. Past performance is not indicative of future results. Neither Goldman Sachs nor any of its affiliates make any representations or warranties, express or implied, as to the accuracy or completeness of the statements or information contained herein and disclaim any liability whatsoever for reliance on such information for any purpose. Each name of a third-party organization mentioned is the property of the company to which it relates, is used here strictly for informational and identification purposes only and is not used to imply any ownership or license rights between any such company and Goldman Sachs. A transcript is provided for convenience and may differ from the original video or audio content. Goldman Sachs is not responsible for any errors in the transcript. This material should not be copied, distributed, published, or reproduced in whole or in part or disclosed by any recipient to any other person without the express written consent of Goldman Sachs. Disclosures applicable to research with respect to issuers, if any, mentioned herein are available through your Goldman Sachs representative or at http://www.gs.com/research/hedge.html. © 2025 Goldman Sachs. All rights reserved. Learn more about your ad choices. Visit megaphone.fm/adchoices

What new advancements are actually coming in diabetes care in 2026 and what's in store in the near future? In this episode, Dr. Steve Edelman and Dr. Jeremy Pettus both take a look at the diabetes treatments and technologies they believe are most likely to arrive in 2026.Together, they walk through emerging therapies for both type 1 and type 2 diabetes, focusing on developments that are no longer theoretical but actively moving through late-stage trials and regulatory review. The conversation covers disease-modifying treatments, next-generation medications, and technology advances that could meaningfully change daily diabetes management.Key Topics: • Disease-Modifying Therapies for T1D: Preserving beta cell function after T1D diagnosis and why this represents a major shift in treatment goals.• New Medications for Type 2 Diabetes: Oral GLP-1s, dual- and triple-agonist therapies, and what they may offer beyond current options.• GLP-1s in Type 1 Diabetes: Where the research stands, off-label use today, and what future approvals could look like.• Once-Weekly Basal Insulin: Why it's promising for type 2 diabetes and who it's best suited for.• Inhaled Insulin Updates: New dosing guidance and expanded use cases.• Continuous Ketone Monitoring: How this technology could improve safety and open doors for additional therapies in T1D.• Cure-Oriented Research: Stem cell and gene therapy approaches that aim to restore insulin production.• The Big Picture in 2026: Why 2026 represents real momentum — and what it could mean for access, outcomes, and quality of life. ★ Support this podcast ★

Listen to Big Picture to get the quick context for this week's reading, Genesis 1-2; Moses 2-3; Abraham 4-5!And grab study guides for the whole family here: - To get Cali's scripture study guide for adults click here: https://comefollowmestudy.com/shop/ Discount code: OMSSOr purchase on Amazon: https://a.co/d/hd85Cuj-Grab Kristen's copies of helpful PDFs and study guides here: https://shop.kristenwalkersmith.com/products/ Check out her monthly Come Follow Me YouTube videos here: https://kristenwalkersmith.com/youtube/ Hosted on Acast. See acast.com/privacy for more information.

January 9, 2026 – What's in store for the markets and economy 2026? From wild market forecasts to the rise of AI CEOs and even regime changes, the 2026 outlook is packed with surprises. In our biggest show for the year, Jim Puplava dives into Wall Street...

A flood of banking earnings with hit investors next week to kick off 2026's first earnings season. Stephen Biggar expects the biggest banks like JPMorgan Chase (JPM), Wells Fargo (WFC), and Goldman Sachs (GS) to experience "more of the same" uptrend thanks to fortress-like balance sheets and a favorable economic environment. One spot where he's wary: mid-sized banks and credit risks that reared their head in 2025. George Tsilis takes investors through an example options trade for JPMorgan Chase. ======== Schwab Network ========Empowering every investor and trader, every market day.Options involve risks and are not suitable for all investors. Before trading, read the Options Disclosure Document. http://bit.ly/2v9tH6DSubscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/About Schwab Network - https://schwabnetwork.com/about

European banks have rallied, but is this just a fleeting moment or the beginning of a lasting trend? Join host Mike Gitlin and seasoned portfolio manager Alfonso Barroso, who brings over 30 years of investment industry experience, as they piece together the bigger picture behind the sector's rise. Alfonso shares how improved profitability and shareholder-friendly policies are shaping the future of European banks. In this episode, you'll also hear: Where Alfonso sees other hidden value pockets across Europe How focusing on downside risk can give investors an edge What global research trips have taught him about seeing beyond the headlines Tune in for a conversation that connects the dots on how a macro view and long-term perspective can promote better investment decisions. #CapGroupGlobal This content is intended to highlight issues and be of a general nature. It should not be considered advice, an endorsement or a recommendation. Products mentioned are not an offer of the product and may not be available for sale or purchase in all countries. All investments have risk, and you may lose money. Past results are not a guarantee of future results.   Statements attributed to an individual represent the opinions of that individual as of the date published and do not necessarily reflect the opinions of Capital Group or its affiliates.   This content is published by Capital Client Group, Inc., and copyrighted to Capital Group and affiliates, 2026, all rights reserved.  For more information, including our detailed disclosures, visit www.capitalgroup.com/global-disclosures.  For our latest insights, practice management ideas and more, subscribe to Capital Ideas at getcapitalideas.com. If you're based outside of the U.S., visit capitalgroup.com for Capital Group insights. Watch our latest podcast, Conversations with Mike Gitlin, on YouTube: https://www.youtube.com/playlist?list=PLbKcvAV87057bIfkbTAp-dgqaLEwa9GHi  This content is published by Capital Client Group, Inc.  U.K. investors can view a glossary of technical terms here: https://www.capitalgroup.com/individual-investors/gb/en/resources/how-to-invest/glossary.html  To stay informed, follow us LinkedIn: https://www.linkedin.com/company/capital-group/posts/?feedView=all  YouTube: https://www.youtube.com/@CapitalGroup/videos  Follow Mike Gitlin: https://www.linkedin.com/in/mikegitlin/ About Capital Group Capital Group was established in 1931 in Los Angeles, California, with the mission to improve people's lives through successful investing. With our clients at the core of everything we do, we offer carefully researched products and services to help them achieve their financial goals. Learn more: capitalgroup.com Join us: capitalgroup.com/about-us/careers.html

 International Law in TattersShould we be surprised by the decision of President Trump to kidnap President Nicolas Maduro and his wife Cilia Flores? Should we be shocked by his claim that the US will now administer Venezuela or that US Oil companies will manage Venezuela's huge oil reserves? And what of his threats against Cuba, Colombia, Mexico, Greenland, Nigeria and others?The historical reality is that we have seen all of this before. The most brazen example this century was the invasion of Iraq in 2003, under the pretext of the non-existent weapons of mass destruction. The truth then was that US and British interests were primarily concerned with the control of Iraq's oil. The result was a million Iraqi dead and a region torn apart by the subsequent political instability. International law was flagrantly broken. Torture and a brutal occupation followed. The Fellow in the Big PictureOver the Christmas break I watched more television than I do at any other time. Regular readers will know that I'm more of a radio man. RTE Radio, Raidió na Gaeltachta, Raidió Fáilte, Radio Ulster. I listen to these every day. But I like westerns. And there is always a ton of westerns to be seen on television over the Christmas period. Some are old ones featuring Audie Murphy, Gene Audrey, Alan Ladd, John Wayne, Maureen O Hara and the likes.  TG4 usually has a good selection of these.They also show a lot of movies featuring Clint Eastwood. I like his films.  And not just the westerns. Although he first came to our attention in Ballymurphy with Rawhide. Unforgiven was the film of choice this Nollaig with Gene Hackman and Morgan Freeman, all in starring roles. And it was followed by Butch Cassidy and the Sundance Kid.  Irish government should be ashamed2026 began for the people of the Gaza Strip and the Palestinian Occupied Territories with more Israeli attacks by land and sea and air; winter storms that have added to the enormous hardship of people trying to survive in flimsy tents; and the denial of appropriate humanitarian aid.2025 also ended with Israel having killed nearly half of all those journalists killed last year. Reporters Without Borders recorded that 29 reporters were killed by Israeli forces making Israel “the worst enemy of journalists.” 

Barry Ritholtz, co-founder, chairman and CIO of Ritholtz Wealth Management, is out with a new book titled “How Not to Invest: The Ideas, Numbers, and Behavior that Destroy Wealth—and How to Avoid Them,” which he discusses along with his earlier book “Bailout Nation: How Greed and Easy Money Corrupted Wall Street and Shook the World Economy.” Ritholtz is also creator of The Big Picture blog, and creator and host of the Bloomberg podcast Masters in Business. (01/2026)

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Michael McKean talks about going from goofball to respected dramatic actor, how his high school drama teacher, NYU and Carnegie Mellon  pushed him into a lifetime of being a creative person, Christopher Guest being his roommate, the credibility gap, being a long haired hippie, how Rob Reiner and Penny Marshall got him on “laverne & shirley”, being a writer, Annette O'Toole being the perfect partner, always searching for the right performance, glenn gary glenn ross, how being in real rock groups like “the left bank” led to “spinal tap, and how being in a movie with Jack Nicholson and Ellen Barkin can go from elation to disaster.Bio: Michael John McKean is an American actor, comedian, screenwriter, composer, and musician. Over his career he has received a Grammy Award as well as nominations for an Academy Award and a Primetime Emmy Award. McKean started his career as Lenny Kosnowski in the ABC sitcom Laverne & Shirley from 1976 to 1983. He was briefly a cast member on the NBC sketch comedy series Saturday Night Live for its 19th and 20th seasons from 1994 to 1995, and played Gibby Fiske in HBO series Dream On (1990–1996). He has acted in films such as Used Cars (1980), Clue (1985), and The Big Picture (1989), the latter of which he also co-wrote. He is also known for having collaborated with Christopher Guest acting in his films such as This Is Spinal Tap (1984), Best in Show (2000), A Mighty Wind (2003), and For Your Consideration (2006). He co-wrote the song "A Mighty Wind" (for the Guest film A Mighty Wind), for which he won a Grammy Award, as well as "A Kiss at the End of the Rainbow" from the same film, which was nominated for an Academy Award. He was nominated for a Primetime Emmy Award in 2019 for his role as Chuck McGill on the AMC series Better Call Saul (2015–2018; 2022). Since 2020, he has voiced Lou Pickles in Nickelodeon's Rugrats franchise. He has acted in shows such as Curb Your Enthusiasm, Veep, Grace and Frankie, Breeders, and The Diplomat. On stage, McKean made his Broadway debut as Edna Turnblad in the musical Hairspray (2004). He took on dual roles portraying J. Edgar Hoover and Robert Byrd in the political epic play All the Way (2014). He has acted in Broadway plays such as the Tracy Letts play Superior Donuts (2009), the Gore Vidal revival The Best Man (2012), and the Lillian Hellman revival The Little Foxes (2017). To date, McKean is the twenty-second highest-earning game show contestant of all time, having accumulated $1,115,400 during his appearances on Celebrity

Michael McKean talks about going from goofball to respected dramatic actor, how his high school drama teacher, NYU and Carnegie Mellon  pushed him into a lifetime of being a creative person, Christopher Guest being his roommate, the credibility gap, being a long haired hippie, how Rob Reiner and Penny Marshall got him on “laverne & shirley”, being a writer, Annette O'Toole being the perfect partner, always searching for the right performance, glenn gary glenn ross, how being in real rock groups like “the left bank” led to “spinal tap, and how being in a movie with Jack Nicholson and Ellen Barkin can go from elation to disaster. Bio: Michael John McKean is an American actor, comedian, screenwriter, composer, and musician. Over his career he has received a Grammy Award as well as nominations for an Academy Award and a Primetime Emmy Award. McKean started his career as Lenny Kosnowski in the ABC sitcom Laverne & Shirley from 1976 to 1983. He was briefly a cast member on the NBC sketch comedy series Saturday Night Live for its 19th and 20th seasons from 1994 to 1995, and played Gibby Fiske in HBO series Dream On (1990–1996). He has acted in films such as Used Cars (1980), Clue (1985), and The Big Picture (1989), the latter of which he also co-wrote. He is also known for having collaborated with Christopher Guest acting in his films such as This Is Spinal Tap (1984), Best in Show (2000), A Mighty Wind (2003), and For Your Consideration (2006). He co-wrote the song "A Mighty Wind" (for the Guest film A Mighty Wind), for which he won a Grammy Award, as well as "A Kiss at the End of the Rainbow" from the same film, which was nominated for an Academy Award. He was nominated for a Primetime Emmy Award in 2019 for his role as Chuck McGill on the AMC series Better Call Saul (2015–2018; 2022). Since 2020, he has voiced Lou Pickles in Nickelodeon's Rugrats franchise. He has acted in shows such as Curb Your Enthusiasm, Veep, Grace and Frankie, Breeders, and The Diplomat. On stage, McKean made his Broadway debut as Edna Turnblad in the musical Hairspray (2004). He took on dual roles portraying J. Edgar Hoover and Robert Byrd in the political epic play All the Way (2014). He has acted in Broadway plays such as the Tracy Letts play Superior Donuts (2009), the Gore Vidal revival The Best Man (2012), and the Lillian Hellman revival The Little Foxes (2017). To date, McKean is the twenty-second highest-earning game show contestant of all time, having accumulated $1,115,400 during his appearances on Celebrity Learn more about your ad choices. Visit megaphone.fm/adchoices

Scott Ladner lays out his big picture themes for 2026, arguing for small and mid cap financials will rise on the back of deregulation. He also likes electricity and utilities that support AI infrastructure. He believes AI will create jobs but says speed and timing could create “confusion” within the job market. He argues that the U.S.'s moves around Venezuela are “irrelevant” to the market narrative. ======== Schwab Network ========Empowering every investor and trader, every market day. Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/ About Schwab Network - https://schwabnetwork.com/about

The heartbeat of Church on the Rock is to help people discover how they can LOVE God and LOVE one another, LIVE with passion, purpose and freedom, and LEAD others to this same experience in Jesus. We simply say, “helping others Love, Live, and Lead in Jesus". Commit to your "One More": https://onemoreak.com Let's Connect here: https://churchak.ccbchurch.com/goto/forms/84/responses/new Learn more about us at https://churchak.org If you enjoyed our teaching and would like to donate to our ministries go here: https://pushpay.com/g/churchak?src=hpp

Listen to Big Picture to get the quick context for this week's reading: Moses 1; Abraham 3!And grab study guides for the whole family here: - To get Cali's scripture study guide for adults click here: https://comefollowmestudy.com/shop/ Discount code: OMSSOr purchase on Amazon: https://a.co/d/hd85Cuj-Grab Kristen's copies of helpful PDFs and study guides here: https://shop.kristenwalkersmith.com/products/ Check out her monthly Come Follow Me YouTube videos here: https://kristenwalkersmith.com/youtube/Get our NEW 365-day Old Testament daily devotional book in Costco stores in Utah, Idaho, ArizonaOr purchase on Amazon: https://a.co/d/0p3Ds0t Hosted on Acast. See acast.com/privacy for more information.

Motherhood is not a performance—it's a marathon. In this episode, Joelle and Alessandra get real about postpartum health, mom shaming, and the pressure cooker of social media. We talk self-care that actually fits real life, flexible routines that keep you consistent, and why prioritizing your health makes you a better parent—not a selfish one. What we cover: Postpartum realities: hormones, energy, identity shifts Mom shaming & social media pressure: how to mute the noise and trust yourself Self-care for moms: simple recovery, nutrition, and movement wins Flexible routines: "good enough" systems that survive busy seasons Homeschooling without the chaos: structure, not rigidity Permission to be human: a clean-enough house, a kind home, a healthier you If you're tired of unrealistic standards and ready for balance you can sustain, this conversation is your reset. APPLY FOR COACHING: https://www.lvltncoaching.com/1-1-coaching The Fitness League app https://www.fitnessleagueapp.com/ Macros Guide https://www.lvltncoaching.com/free-resources/calculate-your-macros Join the Facebook Community: https://www.facebook.com/groups/lvltncoaching FREE TOOLS to start your health and fitness journey: https://www.lvltncoaching.com/resources/freebies Alessandra's Instagram: http://instagram.com/alessandrascutnik Joelle's Instagram: https://www.instagram.com/joellesamantha?igsh=ZnVhZjFjczN0OTdn Josh's Instagram: http://instagram.com/joshscutnik Chapters 00:00 Welcome Back to the Fitness League 01:13 Mailbox Mishap and Holiday Preparations 02:01 Health Drinks and Digestive Reactions 03:36 Postpartum Changes and Hormonal Fluctuations 05:05 Lab Work and Breastfeeding Journey 07:07 Vasectomy Failures and Pregnancy Surprises 10:38 Mom Shaming in Fitness and Health 16:58 Cleaning and Parenting Perspectives 28:36 The Big Picture of Parenting 31:29 Modeling Behavior for Children 33:34 The Myth of Perfection in Motherhood 36:25 Prioritizing Health and Well-being 39:11 Awareness vs. Action 41:55 Finding Your Own Path 44:47 The Importance of Diverse Perspectives 47:24 Growth Mindset and Continuous Learning 50:32 Navigating Social Media and Expectations 54:07 Flexibility in Parenting and Life

On this week's episode, the guys discuss the results of the Christmas slate of games and the big picture takeaways heading into 2026, including the Thunder struggling against the Spurs and falling off track of the wins record, the Knicks finding ways to win games late, the Lakers getting abused on defense, Jokic taking his game to another level, and more.

Baylor men's basketball head coach Scott Drew joins the show to address the national reaction to Baylor's midseason signing of James Nnaji, explaining how the move came together, why it fit a roster need, and how the changing college basketball landscape is forcing coaches to adapt. Drew discusses injuries, roster management, transparency from the NCAA, conversations with fellow coaches like Tom Izzo, and why collective bargaining may be the clearest path forward for the sport. #collegebasketball #transferportal #nba #marchmadness Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of Pray the Word on Ecclesiastes 3:11, David Platt challenges us to adopt a godly perspective of time.Over 3 billion people have never heard the gospel.At Radical, we're fueling 140 gospel projects in 42 countries to change that—equipping local leaders and mobilizing believers where Jesus is least known.Through December 31, every gift is doubled up to $750,000.Would you pray about being part of this?Learn more at Radical.net/everywhereExplore more content from Radical.

Listen to Big Picture to get the quick context for this week's reading, Introduction to the Old Testament!And grab study guides for the whole family here: - To get Cali's scripture study guide for adults click here: https://comefollowmestudy.com/shop/ Discount code: OMSSOr purchase on Amazon: https://a.co/d/hd85Cuj-Grab Kristen's copies of helpful PDFs and study guides here: https://shop.kristenwalkersmith.com/products/ Check out her monthly Come Follow Me YouTube videos here: https://kristenwalkersmith.com/youtube/ Hosted on Acast. See acast.com/privacy for more information.

Do you pray for God to approve your plans, or do you seek to follow His?Donate: https://store.intouch.org/donate/generalSee omnystudio.com/listener for privacy information.