Podcasts about borrowing

Richard Parker has spent his life reading America through two lenses most people keep apart: economics and religion. The throughline is that faith, money, and power did not grow up in separate rooms. They grew up together. An Oxford-trained economist who has taught at Harvard's Kennedy School since 1993, Parker co-founded Mother Jones, helped build Greenpeace USA, and helped Norman Lear start People for the American Way. This conversation runs from an abolitionist ancestor who helped fund John Brown's raid, through the Reformation's long shadow over capitalism and the corporation, to a president reaching into the economy in ways the country has not seen since it had kings. Calls to Action ✅ Leave a rating and review: lovethepodcast.com/politicsandreligion ✅ Subscribe on Substack: coreysnathan.substack.com ✅ Watch and subscribe on YouTube: youtube.com/@politicsandreligion ✅ Share this episode with someone who reads the news and someone who's given up on it Key Takeaways The abolitionist in the family tree. Richard's ancestor, the Rev. Theodore Parker, was one of the Secret Six who bankrolled John Brown's raid. He also coined lines later borrowed by Lincoln ("of the people, by the people, for the people") and Martin Luther King ("the arc of the moral universe bends toward justice"). Not since kings. When a president takes government equity stakes in companies like Nvidia, Parker argues, he folds the state into his own person and pushes presidential power into the economy in a way America has not seen since it had monarchs. Only about six presidents. Borrowing from political scientist Stephen Skowronek, Parker says just a handful of presidents ever reset the country's governing terms. He does not think Trump is one of them. The same fights in new costumes. Most of our arguments recur generation after generation. Parker's aim is not to win them but to help people see the landscape they are arguing from, which is how a divided country starts talking instead of accusing. About Our Guest Richard Parker is an economist, author, and Senior Fellow and Lecturer at Harvard's Kennedy School, where he has taught since 1993. He co-founded Mother Jones, helped build Greenpeace USA, helped Norman Lear launch People for the American Way, and has advised figures including Senator Edward Kennedy. He serves on the boards of The Nation and the Journal of Post Keynesian Economics. Links and Resources Richard Parker and Diane Winston (USC) at Faith Angle West in Park City, Utah (video): https://www.youtube.com/watch?v=OFNCAbZIKjo&t=139s Faith Angle Forum, which helps journalists cover religion in public life: https://faithangle.org/ Connect with us Substack: coreysnathan.substack.com YouTube: youtube.com/@politicsandreligion Instagram, Threads, Bluesky, X, Facebook, TikTok, LinkedIn: @coreysnathan Partners Proud to be part of The Democracy Group, a network of podcasts examining what's broken in our democracy and how we can work together to fix it. More conversation, less accusation. Now go talk some politics and religion with gentleness and respect.

What happens when you build your life on someone else's vision instead of God's calling for you?In this episode of When the Scriptures Become Real, we dive into 1 Kings 12 and the story of Jeroboam, a man who borrowed the fears, strategies, and dreams of others instead of trusting God's promises. We'll explore how chasing someone else's definition of success can lead to compromise, anxiety, and spiritual failure.If you've ever compared your life to others, felt pressured to copy someone else's path, or wondered if you're pursuing God's dream or someone else's, this episode is for you.

Palace of the Ether: Broadcasting House and the Architecture of the BBC, 1922–1932 (Lund Humphries, 2026) by Dr. Elizabeth Darling is about the architecture and design of broadcasting in the 1920s and 1930s, examining the buildings which the BBC occupied in its founding decades, with a particular focus on Broadcasting House in London. It argues that these environments were as constitutive of the Corporation's identity as the programmes and people that they housed. Borrowing from the architectural writer Christopher Hussey's characterisation of Broadcasting House as a ‘palace of the ether' Dr. Darling asks how the immaterial medium of the broadcast was given material and spatial form by the BBC, and the engineers, architects and designers whom they commissioned. The book traces the development of the BBC both technologically and organisationally, and the changing demands it had of the spaces which accommodated it. It shows how associational networks and personal affiliations affected who was commissioned to work on what became Broadcasting House and offers a detailed account of the work of Val Myer, who designed the exterior and shell of the new building, and the team of architects who designed the studio interiors (Serge Chermayeff, Wells Coates, Edward Maufe, Raymond McGrath and Dorothy Warren). In documenting the design of Broadcasting House, and the responses to it, Palace of the Ether offers new insights into British architectural culture at a pivotal moment in the profession's history. This interview was conducted by Dr. Miranda Melcher whose book focuses on post-conflict military integration, understanding treaty negotiation and implementation in civil war contexts, with qualitative analysis of the Angolan and Mozambican civil wars. You can find Miranda's interviews on New Books with Miranda Melcher, wherever you get your podcasts.  Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/new-books-network

Palace of the Ether: Broadcasting House and the Architecture of the BBC, 1922–1932 (Lund Humphries, 2026) by Dr. Elizabeth Darling is about the architecture and design of broadcasting in the 1920s and 1930s, examining the buildings which the BBC occupied in its founding decades, with a particular focus on Broadcasting House in London. It argues that these environments were as constitutive of the Corporation's identity as the programmes and people that they housed. Borrowing from the architectural writer Christopher Hussey's characterisation of Broadcasting House as a ‘palace of the ether' Dr. Darling asks how the immaterial medium of the broadcast was given material and spatial form by the BBC, and the engineers, architects and designers whom they commissioned. The book traces the development of the BBC both technologically and organisationally, and the changing demands it had of the spaces which accommodated it. It shows how associational networks and personal affiliations affected who was commissioned to work on what became Broadcasting House and offers a detailed account of the work of Val Myer, who designed the exterior and shell of the new building, and the team of architects who designed the studio interiors (Serge Chermayeff, Wells Coates, Edward Maufe, Raymond McGrath and Dorothy Warren). In documenting the design of Broadcasting House, and the responses to it, Palace of the Ether offers new insights into British architectural culture at a pivotal moment in the profession's history. This interview was conducted by Dr. Miranda Melcher whose book focuses on post-conflict military integration, understanding treaty negotiation and implementation in civil war contexts, with qualitative analysis of the Angolan and Mozambican civil wars. You can find Miranda's interviews on New Books with Miranda Melcher, wherever you get your podcasts.  Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/communications

Palace of the Ether: Broadcasting House and the Architecture of the BBC, 1922–1932 (Lund Humphries, 2026) by Dr. Elizabeth Darling is about the architecture and design of broadcasting in the 1920s and 1930s, examining the buildings which the BBC occupied in its founding decades, with a particular focus on Broadcasting House in London. It argues that these environments were as constitutive of the Corporation's identity as the programmes and people that they housed. Borrowing from the architectural writer Christopher Hussey's characterisation of Broadcasting House as a ‘palace of the ether' Dr. Darling asks how the immaterial medium of the broadcast was given material and spatial form by the BBC, and the engineers, architects and designers whom they commissioned. The book traces the development of the BBC both technologically and organisationally, and the changing demands it had of the spaces which accommodated it. It shows how associational networks and personal affiliations affected who was commissioned to work on what became Broadcasting House and offers a detailed account of the work of Val Myer, who designed the exterior and shell of the new building, and the team of architects who designed the studio interiors (Serge Chermayeff, Wells Coates, Edward Maufe, Raymond McGrath and Dorothy Warren). In documenting the design of Broadcasting House, and the responses to it, Palace of the Ether offers new insights into British architectural culture at a pivotal moment in the profession's history. This interview was conducted by Dr. Miranda Melcher whose book focuses on post-conflict military integration, understanding treaty negotiation and implementation in civil war contexts, with qualitative analysis of the Angolan and Mozambican civil wars. You can find Miranda's interviews on New Books with Miranda Melcher, wherever you get your podcasts.  Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/science-technology-and-society

Palace of the Ether: Broadcasting House and the Architecture of the BBC, 1922–1932 (Lund Humphries, 2026) by Dr. Elizabeth Darling is about the architecture and design of broadcasting in the 1920s and 1930s, examining the buildings which the BBC occupied in its founding decades, with a particular focus on Broadcasting House in London. It argues that these environments were as constitutive of the Corporation's identity as the programmes and people that they housed. Borrowing from the architectural writer Christopher Hussey's characterisation of Broadcasting House as a ‘palace of the ether' Dr. Darling asks how the immaterial medium of the broadcast was given material and spatial form by the BBC, and the engineers, architects and designers whom they commissioned. The book traces the development of the BBC both technologically and organisationally, and the changing demands it had of the spaces which accommodated it. It shows how associational networks and personal affiliations affected who was commissioned to work on what became Broadcasting House and offers a detailed account of the work of Val Myer, who designed the exterior and shell of the new building, and the team of architects who designed the studio interiors (Serge Chermayeff, Wells Coates, Edward Maufe, Raymond McGrath and Dorothy Warren). In documenting the design of Broadcasting House, and the responses to it, Palace of the Ether offers new insights into British architectural culture at a pivotal moment in the profession's history. This interview was conducted by Dr. Miranda Melcher whose book focuses on post-conflict military integration, understanding treaty negotiation and implementation in civil war contexts, with qualitative analysis of the Angolan and Mozambican civil wars. You can find Miranda's interviews on New Books with Miranda Melcher, wherever you get your podcasts.  Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/british-studies

Dupree Financial Group Blog  ·  The Tom Dupree Show From This Week’s Episode Retirement Investing  ·  August 1, 2026 Is Your Retirement Portfolio Too Concentrated? A 25-year-old hedge fund manager lost roughly $35 billion in a matter of days this week. Here’s what his leverage and the market’s concentration in seven stocks have to do with your retirement account. By Tom Dupree, Founder, Dupree Financial Group  |  dupreefinancial.com  |  859-233-0400 This week, a 25-year-old former OpenAI researcher named Leopold Aschenbrenner watched roughly $35 billion disappear from his hedge fund in a matter of days. Two years ago, he wrote a 165-page essay predicting the future of artificial intelligence with such confidence that Silicon Valley treated it like scripture. This week, his fund — built on borrowed money layered on top of a handful of AI stocks — got forced into a fire sale to Ken Griffin’s Citadel at a steep discount. It’s a dramatic story. But here’s the direct answer to the question that actually matters for your retirement: if most of your money sits in a plain S&P 500 index fund, you may be more concentrated in a handful of the same stocks than you realize — and that concentration, not any single hedge fund’s collapse, is the real thing worth understanding before your next portfolio review. You don’t need borrowed money or a 165-page manifesto to be exposed to this. You just need to own “the market” and assume that means you’re spread across 500 different companies. Key Takeaways Leverage magnifies both directions. Borrowing money to buy investments can boost gains on the way up, but it can wipe out capital just as fast on the way down. That’s the entire story of this week’s hedge fund collapse. Seven stocks now make up a large share of the S&P 500. Depending on the week you check, the “Magnificent Seven” technology stocks account for somewhere between a third and roughly 40% of the entire index’s value. Owning an index fund is not automatically owning a diversified portfolio. A market-cap-weighted index gives its biggest companies the biggest influence — so when those companies wobble, so does “the market.” Know what you own and why you own it. That’s not a slogan — it’s the single most useful question a retiree can ask before the next headline-grabbing selloff. Why This Week’s Story Is Bigger Than One Hedge Fund Every generation produces an investor who seems untouchable — brilliant, early to a trend, riding a wave everyone else is still arguing about. Aschenbrenner’s fund, Situational Awareness, reportedly grew from roughly $200 million to as much as $45 billion in under two years, largely on concentrated bets in AI infrastructure names. Then, using leverage reported as high as 400% — meaning roughly four borrowed dollars for every dollar of the fund’s own capital — a sharp pullback in a handful of semiconductor and AI stocks triggered margin calls his prime brokers couldn’t ignore. That’s the mechanical part, and it’s worth understanding in plain English: when you borrow against an investment and that investment drops in value, your loan doesn’t shrink with it. At some point the lender requires more collateral — a margin call — and if you can’t provide it, your shares get sold for you, often at the worst possible moment. There’s no easy way around that math. It requires diligence, not confidence. Most retirees reading this aren’t using 400% leverage. But there’s a quieter version of the same concentration problem sitting inside a lot of 401(k)s and IRA rollovers, and it doesn’t require a single dollar of borrowed money to hurt you. What the Numbers Actually Show According to CNBC’s reporting on the collapse, Aschenbrenner’s fund held roughly $45 billion in assets at its peak, before margin calls forced the sale of its leveraged public stock positions — including major holdings like SK Hynix and CoreWeave — to Citadel at a discount, with the fund’s overall assets falling to around $10 billion within about 30 trading days (CNBC). TechCrunch’s coverage confirms Aschenbrenner had no prior professional trading experience before launching the fund in 2024, and that the losses came from both AI stocks falling and short positions in software companies moving the wrong way at the same time (TechCrunch). Meanwhile, the broader market has its own version of this concentration story. Reporting from Forbes notes that the “Magnificent Seven” technology stocks made up roughly a third of the S&P 500’s total market capitalization heading into 2026, with some advisors calling the resulting concentration risk a “legitimate concern” (Forbes). Separate reporting from CNBC put the figure as high as 35% to 40% of the index in recent trading, prompting some strategists to recommend equal-weighted alternatives to reduce that concentration (CNBC). The SEC’s own investor education office has published plain-language guidance on why borrowing to invest carries risks that go beyond the investment itself — including the fact that a broker can sell your securities to meet a margin call without waiting for you to act, and can do so without advance notice (SEC Investor.gov). It’s the kind of guardrail worth reading once, even if you never plan to use margin yourself. “Leverage is a thing to be used very judiciously and very carefully, because if you use it in a way that’s irresponsible, it can cost you everything.” — Tom Dupree The Reframe: This Isn’t a Bet on Whether AI Wins or Loses Dupree Financial Group’s Take Most of the commentary this week has been framed as a debate: Is AI spending going to pay off, or is it a bubble? That’s an interesting argument, and reasonable people disagree about it — Microsoft’s stock jumped double digits on one earnings report this year, while Oracle’s bonds have drawn scrutiny over its own AI-related spending. But that debate is largely beside the point for a retiree building income for the next 40 or 50 years. The actual lesson isn’t “buy AI stocks” or “avoid AI stocks.” It’s that when a market’s returns get concentrated in a small number of companies, your risk gets concentrated right along with it — whether you meant it to or not. That’s exactly why our approach starts with cash flow analysis, not headlines: dividend-paying companies across sectors like insurance, telecommunications, and financials keep generating income whether or not seven technology companies are having a good month. You get paid to wait, in good markets and choppy ones, instead of hoping a narrow slice of the market keeps carrying the whole index. What This Looks Like in Practice We build separately managed accounts around companies with a history of paying and growing their dividends, purchased when they’re out of favor and less expensive — not around chasing whichever seven stocks are dominating the headlines that quarter. Bonds play a role too: current income, lower volatility, and dry powder to buy good companies when the market temporarily marks them down for reasons that have nothing to do with their underlying business. None of this means avoiding growth, and it doesn’t mean the S&P 500’s biggest companies are bad businesses — several of them are genuinely excellent. It means not letting one basket, however impressive, decide the outcome of your retirement. All investing involves risk, including the possible loss of principal, and no strategy removes that risk entirely. The goal is to understand it, size it appropriately, and build income you don’t have to sell into a downturn to access. Five Things to Check in Your Own Portfolio 1Pull up your 401(k) or IRA’s top ten holdings. Most plan providers list this on your statement or online dashboard. If you don’t see it, call and ask — it’s your money, and you’re entitled to know. 2Add up what percentage those top ten represent. If it’s a plain S&P 500 index fund, expect a meaningful chunk of your total to be concentrated in a handful of names, most of them technology companies. 3Ask whether that concentration matches your risk tolerance at your stage of life. A 35-year-old accumulating wealth can absorb more concentration risk than someone drawing income in retirement. 4Check whether you’re using any form of leverage or margin, even indirectly through certain funds or products, and make sure you understand exactly what happens if those positions move against you. 5Get a second set of eyes on the whole picture. It’s easy to know your account balance and much harder to know what’s actually driving it. That’s the gap a complimentary portfolio review is built to close. Frequently Asked Questions What is “concentration risk” in a stock market index? Concentration risk means a large share of an index’s total value — and therefore its performance — comes from a small number of companies. In a market-cap-weighted index like the S&P 500, the biggest companies carry the most influence, so a downturn in just a handful of names can drag down the whole index. Why did Leopold Aschenbrenner’s hedge fund lose so much money so quickly? Reporting indicates the fund used leverage as high as 400% on concentrated AI stock positions. When those stocks declined, the borrowed money amplified the losses, triggering margin calls that forced a distressed sale of the fund’s holdings within about a month. Should retirees stop investing in S&P 500 index funds? Not necessarily — index funds remain a legitimate, low-cost building block. The point is to understand what you actually own inside that fund, including how concentrated it has become, rather than assuming “index fund” automatically means “diversified.” What does “leverage” mean in plain English? Leverage means borrowing money to increase the size of an investment beyond what your own capital could buy. It can amplify gains, but it amplifies losses the same way — and if the investment’s value drops enough, the loan doesn’t shrink to match it. How can I tell how concentrated my own retirement portfolio really is? Start by looking up your fund’s top ten holdings and what percentage of the total they represent — most providers publish this. If you’re unsure how to interpret it, a portfolio review with an advisor can walk through what you actually own and why. The Close By the time you read this, Leopold Aschenbrenner’s fund will likely have faded from the headlines, replaced by whoever’s turn it is next — because, as history keeps showing us, there’s always a next one. But the question his week left behind isn’t really about him. It’s about whether you know what you own, and whether you’d be able to answer calmly if your own portfolio had a bad week. That’s the whole point of retiring on income instead of hope: you don’t need to guess right about which seven stocks win. You need a plan that keeps paying you regardless. Keep Learning Listen to the full episode — hear Tom, James Dupree, and Michael Dawahare walk through the Mag Seven earnings debate and this week’s market moves in more detail. Learn more about Dupree Financial Group — our fee-only, fiduciary approach and the team behind it. Schedule a complimentary portfolio review — see exactly how concentrated your own accounts are today. Tom Dupree Tom Dupree is the founder of Dupree Financial Group, a fee-only, fiduciary Registered Investment Advisory firm based in Lexington, Kentucky. He has spent 48 years in the investment business, starting as a municipal bond salesman in the late 1970s, and hosts The Tom Dupree Show, a weekly radio and podcast program covering the financial topics that matter most to retirees. About The Tom Dupree Show The Tom Dupree Show is hosted by Tom Dupree, founder of Dupree Financial Group and a 47-year veteran of the investment business. Each episode covers the financial topics that matter most to retirees and those approaching retirement — in plain English, without the Wall Street spin. Dupree Financial Group is a fee-only, fiduciary Registered Investment Advisory firm based in Lexington, Kentucky. The firm manages separately managed accounts focused on income-generating, dividend-paying portfolios — no products sold, no commissions, no conflicts of interest. Past episodes are available at dupreefinancial.com under the Radio tab. Schedule a Complimentary Portfolio Review If you’re not sure whether your retirement account is more concentrated in a handful of stocks than you’d like — we’ll take a look. No charge. No pressure. Just an honest conversation about what you own and whether it’s working for you. Call: 859-233-0400  |  Visit: dupreefinancial.com All investing involves risk, including the possible loss of principal. Past market performance discussed above refers to historical index and company data, not to the performance of any Dupree Financial Group account. Dupree Financial Group  ·  Fee-only. Fiduciary. 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A $35B Hedge Fund Lesson | Dupree Financial Group appeared first on Dupree Financial.

Thanks to our partners Promotive, WickedFile, Maverick Shop Owners, and OverdryveYou need money. Maybe it's to cover payroll this week, maybe it's to buy the alignment rack you've been eyeing for a year. Either way, Hunt Demarest, CPA, says the loan you should get depends entirely on two questions banks are already asking about you: do you have cash flow, and do you have collateral?In this solo follow-up to his cash reserves series, Hunt breaks down every borrowing option available to auto repair shop owners and ranks them from cheapest to most dangerous. He walks through real client scenarios — equity in your building, financing new equipment, strong profits with nothing to put up as collateral — and explains exactly what to say (and not say) when you sit down with a bank. He closes with a hard look at credit card advance loans: why they're marketed as easy money, why the interest rate isn't actually what traps shop owners, and why the repayment period is the real killer.Whether you're planning a purchase a year out or you need cash this month, this episode gives you the vocabulary and the game plan to borrow smarter.What You'll Learn...00:00 Intro: wrapping up the cash conversation with how to actually get the money03:46 Secured vs. unsecured debt, and why one always beats the other on rate06:10 The two things every bank is really looking for: cash flow and collateral07:12 Scenario: You're out of cash, but your building has equity07:57 Refinance or borrow against it? How to decide, and why today's rates change the math13:26 Scenario: You're out of cash and need new equipment: financing vs. leasing15:40 Scenario: Strong profits, no collateral, the situation most bootstrapped shops face17:25 How to frame your ask so the bank says yes (the tire business pitch)18:46 Last resort: credit card advance loans explained, and how they actually get repaid20:48 Why the interest rate isn't what kills you: it's the repayment period23:34 Wrap-up: share the show and send in your questionsThanks to our partner, PromotivePromotive has over 40 years of recruiting and automotive experience. If you need qualified technicians and service advisors and want to offload the heavy lifting, visit https://gopromotive.com/Thanks to our partner, WickedFileTurn chaos into clarity with WickedFile, the AI for auto repair shops. Transform invoices into insights, protect cash flow, and stop losing parts, cores, or credits to maximize your bottom line. visit https://info.wickedfile.com/Thanks to our partner, Maverick Shop OwnersYou're working on growing a more profitable shop - that's critical. That's exactly what the 24-video Blueprint course by Maverick Shop Owners addresses - customers, sales, profit, people, systems, and freedom. Get free access for our listeners only at https://maverickshopowners.com/blueprintThanks to our partner, OverdryveOverdryve is your AI-powered marketing operating system. It predicts slow weeks before they happen, automatically launches revenue-driving campaigns, tracks ROI down to the dollar, and optimizes performance in real time. Visit https://overdryvemarketing.com/Paar Melis and Associates – Accountants Specializing in Automotive RepairVisit us Online: www.paarmelis.comEmail Hunt: podcast@paarmelis.comGet the FREE 2026 Auto Shop Benchmark Report: https://hubs.ly/Q04j-grh0Download a Copy of My Books Here:Beyond the Bays: A Financial Playbook for Auto Repair Shop OwnersWrenches to Write-OffsYour Perfect Shop The Automotive Repair Podcast Network: https://automotiverepairpodcastnetwork.com/Remarkable Results Radio Podcast with Carm Capriotto: Advancing the Aftermarket by Facilitating Wisdom Through Story Telling and Open DiscussionDiagnosing the Aftermarket A to Z with Matt Fanslow: From Diagnostics to Metallica and Mental Health, Matt Fanslow is Lifting the Hood on Life.The Weekly Blitz with Chris Cotton: Weekly Inspiration with Business Coach Chris Cotton from AutoFix - Auto Shop Coaching.Speak Up! Effective Communication with Craig O'Neill: Develop Interpersonal and Professional Communication Skills when Speaking to Audiences of Any Size.Business by the Numbers with Hunt Demarest: Understand the Numbers of Your Business with CPA Hunt Demarest.The Auto Repair Marketing Podcast with Kim and Brian Walker: Marketing Experts Brian & Kim Walker Work with Shop Owners to Take it to the Next Level.

https://fb.me/biblehaxJoin the community of kingdom entrepreneurs.What if you could clear all your own debts by becoming a private lender?Understand the principles of kingdom debt and how to approach lending and borrowing from a biblical perspective.Many people avoid discussing kingdom debt because the topic is often misunderstood or ignored in financial circles. This conversation breaks down the practical aspects of lending and borrowing, offering a clear framework for managing resources effectively. Whether you are navigating personal loans or seeking to understand the spiritual side of wealth management, these concepts provide a foundation for making better choices.If you're just starting out with kingdom finances, you can explore ideas based on the teachings found in the book on money and wealth by Dr. Dave Burrows. But he doesn't cover lending - that's why I provide scriptures to start your own study. By applying these insights, you can gain a stronger grasp on how to steward your finances with wisdom and integrity, moving away from confusion toward a structured approach to your economic life and circulation of resources.Subscribe for kingdom principle breakdowns and share your questions about kingdom debt in the comments below.

You dominate your sport but hand the keys of your relationship straight to your woman. You call it fairness. It's fear. Athletes and high performers build their careers on clarity, control, and uncompromising standards. Then they get into a relationship and turn into a pillow. Soft. Yielding. Compromising. Borrowing beliefs from Disney movies, social media, and politics instead of running their own process. The result: a sexless marriage, a platonic friendship dressed up as a partnership, and a woman who resents you for refusing to lead. I break down why the same principles that make you dominant in your sport, knowing what you want, building the process, executing with precision, are the exact principles missing from your relationship. This isn't about controlling her. It's about reclaiming the identity you already know how to build everywhere else in your life. If you're ready to stop denying your instincts and start leading like the Killa you already are on the field, email me ay niyi@imnotyou.com and tell me a little about your situation. 

Mortgage rates look set to continue creeping higher. The cost of two-year wholesale borrowing for banks has jumped from 3.35% to around 3.70% in just four weeks. The increase reflects markets pricing in higher inflation, rising global borrowing costs, and expectations the OCR could stay higher for longer. Independent Property Commentator Tony Alexander told Mike Hosking it's primarily a result of domestic factors – with the extra pressure from rates moving up in Australia and the United States. He says New Zealand is currently in a mild recovery mode and inflation is unusually high for this point in the cycle, so our monetary policy will be tightened further. LISTEN ABOVE See omnystudio.com/listener for privacy information.

I denne episode af Rig på viden får vi besøg af Henrik Yde Andersen, ph.d. og økonom i Nationalbanken, til en samtale om et af de mest omdiskuterede emner i dansk økonomi: boligmarkedet.Hvorfor stiger boligpriserne i København langt hurtigere end i resten af landet? Er vi på vej mod en ny boligboble, eller er fundamentet stærkere end før finanskrisen? Og hvad mener Nationalbanken egentlig, når de taler om "sunde kreditprincipper"?Vi dykker ned i udviklingen på det danske boligmarked, forskellene mellem i dag og perioden op til finanskrisen, og ser på, hvordan København adskiller sig fra både resten af Danmark og andre internationale storbyer.Derudover taler vi om Henriks forskning og det nye forskningspapir "Wealth Drawdowns or Borrowing? How Parents Fund Financial Support for Their Children's Home Purchases". Her undersøger vi, hvordan danske forældre finansierer hjælpen til deres børns boligkøb – og hvad forskningen fortæller om den voksende betydning af "Bank of Mom and Dad". Vi diskuterer blandt andet, hvordan forskerne metodisk kan identificere forældrehjælp i registerdata, de mest overraskende resultater, og om forældrehjælp risikerer at presse boligpriserne yderligere op.Følg os på LinkedIn:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠André⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠: www.linkedin.com/in/andréthormann/Intro musik:Deadly Roulette by Kevin MacLeodLink: https://incompetech.filmmusic.io/song/3625-deadly-rouletteLicense: http://creativecommons.org/licenses/by/4.0/

The Myth of Slow Healing Why Rapid Recovery Is Possible Featuring Dr. David Burns and Kevin Cornelius, LMFT Many people believe emotional healing takes months—or even years. Therapists are often trained to expect gradual progress, and patients may assume lasting change requires prolonged struggle. But what if that assumption is wrong? In this episode, Dr. David Burns challenges one of the most deeply entrenched beliefs in mental health: the idea that meaningful psychological recovery must happen slowly. Drawing from his recent Psychology Today article, The Myth of Slow Healing, Dr. Burns explains why rapid emotional change is not only possible—it may actually reflect how the human brain naturally works. Through powerful clinical stories, personal reflections, and decades of research, Dr. Burns describes how depression, anxiety, panic, shame, and hopelessness can sometimes disappear in a matter of minutes when people discover and challenge the distorted thoughts driving their suffering. What Inspired This Article? Dr. Burns begins by sharing a formative experience from his psychiatric residency in Philadelphia. As a young psychiatrist, he noticed something troubling: psychotherapy often seemed to continue indefinitely, yet measurable recovery was rarely discussed. Therapists relied heavily on intuition, but almost no one was systematically measuring whether patients were actually improving. A walk through Fairmount Park sparked an insight that would transform his career. Thinking about professional basketball players improving through constant feedback—seeing whether the ball goes through the hoop—he wondered: How can therapists improve if they never measure whether their sessions are helping? This question led him to become one of the earliest advocates for routine outcome measurement in psychotherapy, eventually helping shape the development of TEAM-CBT's session-by-session assessment system. The Importance of Measurement Dr. Burns discusses his early use of the Beck Depression Inventory and the surprising lessons it taught him. Again and again, he discovered that his assumptions about how patients felt were often wrong: Some patients appeared severely depressed but reported relatively mild symptoms. Others seemed cheerful and functional while scoring in the severe range. These experiences reinforced an important lesson: Therapists need data, not guesses. By measuring depression, anxiety, empathy, and therapeutic effectiveness during every session, therapists can receive the feedback necessary to improve their work and help patients more effectively. The Caveman Effect: Why the Brain Can Change Instantly One of the episode's most memorable concepts is what Dr. Burns calls the "Caveman Effect." Borrowing an illustration from neuroscientist Mark Noble, he describes a prehistoric human hearing a twig snap behind him at dusk. The caveman immediately thinks: "A tiger is behind me!" Instantly, fear surges. Then he turns around and discovers the sound came from his wife stepping on a branch. In that moment, his fear vanishes. Not gradually. Not over six months. Instantly. Dr. Burns argues that this illustrates a fundamental principle: Thoughts create emotions. When a frightening thought is believed, anxiety emerges. When that thought is no longer believed, anxiety disappears. This process can happen in seconds. Three Levels of "Shortness" Dr. Burns describes three different ways emotional healing can occur rapidly. 1. Therapy Can Be Brief Many patients experience dramatic improvements within a single two-hour session. Rather than expecting treatment to continue indefinitely, Dr. Burns often approaches therapy with the goal of achieving complete symptom remission as quickly as possible. 2. Breakthroughs Often Happen in Minutes Even within a session, the most important change frequently occurs during a short window—sometimes only a few minutes long. Once therapists identify the specific distorted thoughts maintaining the problem and apply an effective intervention, major shifts can happen quickly. 3. The Moment of Enlightenment The most dramatic change often occurs in a matter of seconds. This is the moment when someone suddenly sees: Their negative belief isn't true. They've been deceiving themselves. A different perspective is possible. When this realization occurs, emotions can shift almost instantly. Dr. Burns compares this experience to the caveman discovering there was never a tiger at all. Why People Resist the Idea of Rapid Recovery If rapid healing is possible, why do so many people reject the concept? Dr. Burns identifies several reasons: For Patients Many people have spent years struggling with depression or anxiety. The idea that change could happen quickly may sound unrealistic or even fraudulent. After repeated disappointments, hope itself can feel dangerous. For Therapists Rapid recovery also challenges many traditional assumptions about psychotherapy. It raises uncomfortable questions: Why aren't outcomes being measured? Why do some treatments continue for years without substantial change? What happens to a therapist's business model when patients recover quickly? Dr. Burns and Kevin discuss how financial incentives can sometimes unintentionally reinforce longer treatments, even when faster recovery may be possible. The Story of Terry: Ten Years of Panic Gone in One Session One of the episode's most powerful moments is Dr. Burns' retelling of Terry's story. Terry suffered from: Severe depression Crippling panic attacks Nearly ten years of unsuccessful treatment Her symptoms were extreme, with depression and anxiety scores among the highest Dr. Burns had ever seen. The key breakthrough came when he identified the specific thought driving her panic: "I'm about to have a heart attack." Using an experimental technique, Dr. Burns intentionally helped Terry induce panic symptoms in session. Then he challenged her catastrophic belief through direct experience. If she were truly having a heart attack: Could she jog in place? Could she exercise vigorously? Could she do jumping jacks? As Terry performed increasingly strenuous activity, she suddenly realized the absurdity of her belief. Then came the breakthrough moment. She laughed. The fear disappeared. And a decade of panic ended. The episode emphasizes that it was not the jumping jacks themselves that created recovery. It was the moment she stopped believing the distorted thought. Why Thoughts Matter Dr. Burns revisits three core principles of cognitive therapy: Principle 1 Your emotions result from your thoughts—not directly from events. Principle 2 The thoughts creating depression and anxiety are typically distorted. Common distortions include: All-or-nothing thinking Fortune telling Emotional reasoning Mind reading Self-blame Principle 3 The moment you stop believing a distorted thought, your emotions will change. This principle remains central to TEAM-CBT and forms the foundation for many rapid recoveries. Beyond Cognition: The Role of Motivation Later in the discussion, Dr. Burns explains that distorted thoughts are only part of the story. Another critical factor is motivation. People often have powerful reasons for holding onto painful feelings. Depression, anxiety, anger, guilt, and shame frequently reflect important personal values. For example: Perfectionism may reflect high standards. Guilt may reflect a strong conscience. Anxiety may reflect caring deeply about others. Rather than arguing patients out of their symptoms, TEAM-CBT often begins by exploring what those symptoms reveal about the person's strengths and values. Benny's Story: The Power of Acceptance To illustrate this paradoxical approach, Dr. Burns shares the story of Benny. Benny was: Suicidal Violent Deeply depressed Involved in gangs, drugs, and crime Rather than confronting Benny's hopelessness, Dr. Burns did something unexpected. He explored all the advantages of believing: "I'm a hopeless case." Together they listed the benefits: Status Power Money Protection Identity For the first time, Benny felt understood rather than judged. Then his defenses collapsed. He revealed a lifetime of hidden pain, including witnessing his grandfather's suicide and struggling with illiteracy. The story illustrates a central paradox of TEAM-CBT: People often change only after they feel completely accepted exactly as they are. What Dr. Burns Has Learned About Human Nature After decades of witnessing rapid recovery, Dr. Burns says one conclusion feels increasingly clear: Thoughts create emotions. Yet he also emphasizes a deeper question: Why do some people generate so many painful thoughts in the first place? His answer increasingly involves: Core values Motivation Human meaning Personal strengths that become exaggerated Understanding both cognition and motivation has become essential to creating lasting change. Key Takeaways Emotional healing does not require months or years. The brain is capable of extraordinarily rapid change. Thoughts—not events themselves—create emotions. Distorted thoughts fuel depression and anxiety. When distorted thoughts lose their credibility, emotions often change immediately. Measurement and feedback are critical to effective therapy. Motivation and personal values play a major role in emotional suffering. Acceptance often creates more change than persuasion. Recovery can happen much faster than most people realize. Resources Mentioned Feeling Good by David D. Burns Intensive Therapy at Feeling Good Institute The Psychology Today article: The Myth of Slow Healing The video demonstration of Terry's panic attack treatment Coming Next Episode Dr. Burns and Kevin continue the conversation with a fascinating discussion of: "Grandma's Snake Phobia: The Real Cause of Her Anxiety" You'll learn about the Hidden Emotion Model and discover why the apparent cause of anxiety is sometimes very different from the true cause. We'd Love Your Feedback Your feedback helps shape future episodes. Please take a moment to complete the brief listener survey linked here. It takes less than two minutes and provides invaluable guidance for improving the podcast and helping more people learn these powerful tools for recovery. Contact Information Kevin Cornelius, LMFT is a Level 5 Certified Master TEAM-CBT Therapist and Trainer and the Clinical Director of Feeling Good Institute--Silicon Valley. He specializes in the treatment of trauma, anxiety, depression, relationship problems and insomnia. You can reach Kevin at kevin@feelinggoodinstitute.com and visit his website at www.tools4change.me. You can reach Dr. Burns at david@feelinggood.com. Feeling down in these turbulent times? Take a ride on our Feeling Great app. Feeling Great feels wonderful! You owe it to yourself to feel GREAT! Give the Greatest Gifts of ALL--Love and Happiness!

In this digest Amanda and Samuel look at if and when writing and reading help us make a difference. Amanda shares some of her reflections in writing her new book Conscious Tribes, and together they compare the idea of writing as a conversation with the reader and writing as an act of persuasion used to convince the reader of a particular way of thinking.Borrowing insights from Chris Nolan's adaptation of Homer's Odssey and Hannah Arendt's exploration of public and private, and story, they explore what it means to tell (and retell) our stories, and to share stories with others in mind.You can find our more and order Amanda's book Conscious Tribes: thinking differently about making a difference here.========For more about ChangeMakers check us out:Via our Website - https://changemakerspodcast.org (where you can also sign up to our email list!)Facebook: https://www.facebook.com/ChangeMakersPodcast/Instagram: https://www.instagram.com/changemakerspodcast/Threads: https://www.threads.com/@changemakerspodcastBlue Sky: https://www.threads.com/@amandatattersall.bsky.socialFor more about Samuel:Personal site: https://www.samuelmchu.comThe Campaign for Hong Kong: https://www.thecampaignforhongkong.orgDemocracy in Flight: https://www.democracyinflight.orgLinkedIn: https://www.linkedin.com/in/samuelmchuTwitter/X: https://x.com/samuelmchuFacebook: https://www.facebook.com/samuelmchuInstagram: https://www.instagram.com/samuelmchuFor more about Amanda:Personal site: https://amandatattersall.com/ On LinkedIn: https://www.linkedin.com/in/amandatattersall/Facebook: https://www.facebook.com/amanda.tattersallBlueSky: https://bsky.app/profile/amandatattersall.bsky.socialThreads: https://www.threads.com/@amandatattersallAmanda's new books are called People Power in Cities & Conscious Tribes: thinking differently about making a difference. Hosted on Acast. See acast.com/privacy for more information.

In this digest Amanda and Samuel look at if and when writing and reading help us make a difference. Amanda shares some of her reflections in writing her new book Conscious Tribes, and together they compare the idea of writing as a conversation with the reader and writing as an act of persuasion used to convince the reader of a particular way of thinking.Borrowing insights from Chris Nolan's adaptation of Homer's Odssey and Hannah Arendt's exploration of public and private, and story, they explore what it means to tell (and retell) our stories, and to share stories with others in mind.You can find our more and order Amanda's book Conscious Tribes: thinking differently about making a difference here.========For more about ChangeMakers check us out:Via our Website - https://changemakerspodcast.org (where you can also sign up to our email list!)Facebook: https://www.facebook.com/ChangeMakersPodcast/Instagram: https://www.instagram.com/changemakerspodcast/Threads: https://www.threads.com/@changemakerspodcastBlue Sky: https://www.threads.com/@amandatattersall.bsky.socialFor more about Samuel:Personal site: https://www.samuelmchu.comThe Campaign for Hong Kong: https://www.thecampaignforhongkong.orgDemocracy in Flight: https://www.democracyinflight.orgLinkedIn: https://www.linkedin.com/in/samuelmchuTwitter/X: https://x.com/samuelmchuFacebook: https://www.facebook.com/samuelmchuInstagram: https://www.instagram.com/samuelmchuFor more about Amanda:Personal site: https://amandatattersall.com/ On LinkedIn: https://www.linkedin.com/in/amandatattersall/Facebook: https://www.facebook.com/amanda.tattersallBlueSky: https://bsky.app/profile/amandatattersall.bsky.socialThreads: https://www.threads.com/@amandatattersallAmanda's new books are called People Power in Cities & Conscious Tribes: thinking differently about making a difference. Hosted on Acast. See acast.com/privacy for more information.

Peter Earle argues that not all trillions are equal; some represent genuine wealth creation, such as SpaceX's $2 trillion valuation based on future technological potential. However, inflation and government borrowing have also inflated nominal values, potentially leading to a fiscal reckoning. If creditors lose faith in U.S. debt, the government may be forced to print more money, further devaluing the currency. Maintaining prosperity requires ensuring that economic forces focus on creating new wealth rather than merely redistributing it. (6)1945 TOKYO AFTER THE B-29S.

Most people wait for undeniable proof, like a doctor's warning or a number on a scale, before they change course.   Picturing one specific future moment in detail can create urgency long before anything actually goes wrong.   A vague sense of concern rarely moves anyone the way a vivid, specific picture of the near future does.   Borrowing urgency from a future moment allows change to happen while there is still plenty of room to adjust.   Waiting for rock bottom is optional once imagination gets specific enough to do the job early. BOOK A CALL WITH PERRY: http://talktoperry.com TEXT ME: (208) 400-5095 JOIN MY FREE COMMUNITY: http://upsidedownfit.com The Legacy Continues with Syona: https://sharesyona.co/?url=perrytinsley RESOURCES Best Probiotic for Gut Health: https://bit.ly/probyo Best Focus & Memory Product: https://bit.ly/dryvefocus Daily Success Habits (Free Download): morningsuccesshabits.com WOW! You made it all the way down here. I'm seriously impressed! Most people stop scrolling way earlier. You officially rock, my friend.

Hundreds of thousands of students accessing federal student loans will be impacted by new guidelines which restrict how much debt students can take on. The U.S. Department of Education says its to curtail overwhelming debt; students worry about the programs they can pursue.

Ian sits down with Asher Bykov, Head of Growth at USVC, AngelList's newly launched publicly accessible venture fund, to talk about how they took USVC from a hundred and fifty investors to tens of millions of impressions on launch day. Asher shares why the biggest marketing lever wasn't a campaign but years of owned audience-building through Naval Ravikant's podcast and Ankur Nagpal's Silly Money newsletter, how a great offer beats great copywriting every time, and why he thinks about brand as a promise you keep rather than a logo you design. Key Takeaways: A great offer beats great marketing. Asher ranks the sequence as offer, then copywriting, then design, then media buying - no amount of clever positioning saves a weak offer. Owned audiences compound for years before they pay off. Naval's podcast, Ankur's Silly Money newsletter, and AngelList's own network turned USVC's launch into demand capture rather than demand generation. Brand is a promise, not a logo. Borrowing from Seth Godin, Asher argues that consistently delivering on what you tell your audience matters more than any campaign, rebrand, or design choice. Sponsor:  Pipeline Visionaries is brought to you by Qualified.com. Qualified helps you turn your website into a pipeline generation machine with PipelineAI. Engage and convert your most valuable website visitors with live chat, chatbots, meeting scheduling, intent data, and Piper, your AI SDR. Visit Qualified.com to learn more. Links: Connect with Ian on LinkedIn: https://www.linkedin.com/in/ianfaison/ Connect with Asher on LinkedIn: https://www.linkedin.com/in/asherbykov/ Learn more about USVC: https://usvc.com/ Learn more about Caspian Studios: https://www.linkedin.com/company/caspian-studios/about/ Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Send a message to InsidetheSquareEveryone thinks vibe coding means handing AI the wheel and walking away. I've got a countdown timer that proves exactly why that's wrong, and what happened when I wasn't specific enough while vibe coding it live on YouTube.In this episode, I get into what separates a designer who vibe codes well from someone who just generates AI slop, why "diagnose more, prompt less" is becoming my new rule, and how knowing Squarespace inside and out is the actual unlock, not the AI itself.Chapter Markers00:00 What vibe coding really is (and isn't)01:04 Where AI fits alongside Squarespace's native features01:48 The real reason AI slop happens02:32 My countdown timer experiment, live and unscripted03:29 The one skill that makes or breaks vibe coding04:26 Diagnose more, prompt less05:19 Borrowing a framework from Will Myers on where AI's job ends and ours begins06:19 Where to go next if you want to learn this for realLinks mentioned:insidethesquare.co/beyondWill Myers (Squarespace coder, referenced for his take on AI's role in the design process)Support the showThe term "Squarespace" is a trademark of Squarespace, Inc. This content is not affiliated with Squarespace, Inc.  For a transcript of this episode, along with the links to any resources mentioned, visit insidethesquare.co/podcast

Judi Holler will happily tell you she is one of the biggest fraidy cats you will ever meet. She is afraid of all the things. She is also a keynote speaker, USA TODAY bestselling author of Fear Is My Homeboy and a self-described professional experimenter who has spent nearly twenty years treating fear as her most important advisor. That contradiction is precisely the point of this conversation, because as Judi sees it, the goal was never fearless. The goal is brave. Her courage was built in unlikely places. Working in corporate America by day, Judi spent her nights in the dark, dingy little theatres of Chicago’s improv scene, eventually training at the legendary Second City. She calls improv her fear yoga. With no script and no safety net, those basement stages taught her how to make mistakes, recover, listen and act before she felt ready. Then she started smuggling those lessons into the office: speaking up first in meetings, sitting in the front row, going for the promotion, asking for the raise. Small brave moves that walked new people and opportunities into her life, until the morning her boss sat her down over breakfast and told her to choose between her corporate career and her growing speaking work. She set down her fork and knife, looked at him and said, I don’t choose you. I’m going to choose me on this one. I quit. A decade later, she has never looked back. Fearless is for five-year-olds and sociopaths Judi takes issue with the word fearless, plastered as it is across t-shirts, bumper stickers and tattoos. If you were truly fearless, she points out, you would never see a doctor, you would eat poisonous food on purpose, you would punch a shark in the face. Borrowing a line from Elizabeth Gilbert, she reminds us that the only genuinely fearless people are five-year-olds and sociopaths. Fear is wisdom. The work is not to eliminate it but to fear your fear less, and bravery, like confidence and creativity, is a muscle built through daily experimentation. Your brain versus your soul At the heart of Judi’s methodology sits a tension we all live with: our brains are louder, faster and more practised than our souls. The brain has one job, safety, and it can only reference past data, endlessly auditing your life and pulling you back towards the familiar. But life does not follow old data. Life is improv. There is no script. The soul is your capacity to trust yourself and make decisions inside uncertainty, and Judi is quick to note this is no longer woo. She points to the World Economic Forum’s Future of Work research, where skills like resilience, creative thinking, motivation and self-awareness now top the list of what the world needs, and every one of them lives in the soul. Reclaim, don’t reinvent When Judi felt creatively caged five years ago, she resisted the urge to tear it all down. Reinvention, she says, whispers that what you have built is not good enough. Reclamation says the opposite: I love what you have made here, and I want to see more. Through a confrontational journey of self-discovery, she realised nothing was ever wrong with her. She had simply been painting the canvas of her life with everybody else’s brush. Out of that season came the HOLLER Method, a personal operating system for courage built letter by letter from her own surname, along with nightly rituals like her 9.30pm glitch list, where she captures the ideas her brain would rather she forgot. Judi leaves the audience with three golden nuggets: Trust it all. Every twist, delay and detour is preparing you for what comes next. Experiment with your fear. Every day. On purpose. Small brave moves compound into a courageous life. Honour the graveyard rule. As Les Brown says, the graveyard is the richest place on earth, full of dreams that were never acted on. Do not let yours be buried there. It is a funny, honest and deeply practical conversation about courage, self-trust and the experiments that bring us back to ourselves. Whatever you have been waiting to do, take the first step. Go scared. Watch the full conversation on YouTube. Find Out More About Judi Holler Website: https://judiholler.com Instagram: @judiholler Facebook: Judi Holler Fan Page YouTube: @JudiHoller

This week Kelly cracks open the Business Breakthrough Confessional, where listeners write in the questions they don't necessarily want to ask publicly, and get a confidential answer on the show.  What's inside: Why you don't need advertising money in year one How to borrow audiences other people spent years building Why live selling and referral marketing are making a comeback Finding pockets of time to build around a full-time job and family Timestamps 00:45 —Lead generation with no ad budget in year one 02:00 — Borrowing other people's audiences with virtual speaking 04:00 — Starting from 0: livestreams and daily engagement to build a network 05:30 — The 50,000-foot view: spend your time market facing 07:00 — Why live selling gets more valuable as AI takes over the feed 08:30 — Referral marketing and the return of analog strategies 10:00 — Building a business around a 40-hour job and a child 11:30 — The Miracle Hour as the hour-a-day starting point 12:15 — Keeping the faith: do not grow weary Resources & Mentions The Miracle Hour book — Kelly's one hour-a-day daily sales system, recommended as the starting point for anyone building with limited time; available on Amazon and everywhere books are sold: https://a.co/d/0h2ZpX4o  The Business Breakthrough Hotline: Ready for your business breakthrough? Text your question + name to 916-418-9799 with the hashtag #BusinessBreakthroughHotline for a chance to be featured on the show!

Copying a friend's exact system rarely produces the same results, even when every step is followed correctly.   A system works because it fits the person who built it, including their schedule, preferences, and way of thinking.   Borrowing a workout plan or meal plan word for word skips the adjustment that actually made it effective.   A plan only becomes powerful once it fits the life of the person using it.   Small adjustments turn a borrowed system into one that actually works long term. BOOK A CALL WITH PERRY: http://talktoperry.com TEXT ME: (208) 400-5095 JOIN MY FREE COMMUNITY: http://upsidedownfit.com The Legacy Continues with Syona: https://sharesyona.co/?url=perrytinsley RESOURCES Best Probiotic for Gut Health: https://bit.ly/probyo Best Focus & Memory Product: https://bit.ly/dryvefocus Daily Success Habits (Free Download): morningsuccesshabits.com WOW! You made it all the way down here. I'm seriously impressed! Most people stop scrolling way earlier. You officially rock, my friend.

Why does the craving hit out of nowhere? Why does wine feel like it helps with overwhelm? And why does cutting back feel so hard even when you really want to? In this episode Christie breaks down exactly what your brain is doing when you crave a drink — the dopamine loop, the habit trail, the borrowed relief — and gives you real tools to get through the next twenty minutes. Plus: the science behind vacuuming and your high school playlist. Yes, really.Topics covered: Why alcohol feels like it helps with overwhelm — and what it's actually doing | The dopamine anticipation loop that starts at 3pm | Borrowing relief from tomorrow — and what you're paying back | The habit loop: cue, routine, reward — in plain language | Why cravings are still strong after two weeks (and what the 90-day reset actually means) | The July Fourth craving that passed in twenty minutes | Playing it forward | Nervous system regulation tools that actually work — including vacuuming and your high school playlist | The two questions to ask when a craving hitsThe two questions: What am I feeling right now? What do I need?Drop us a Question or Comment

“If you can only explain the arguments of the other side because they're mad or dangerous or dumb, the problem is with you.” — Turi Munthe On yesterday's show, the psychiatrist Sally Satel described how Americans imagine their own mental condition differently, depending on their politics and age. Which is a nice segue for today's conversation with the Anglo-French journalist turned media entrepreneur Turi Munthe. It's not just in our mental health self-evaluation, Munthe argues, that we hallucinate reality. Indeed, the French born Munthe often sounds like one of his post-structuralist compatriots in his defiantly slippery notion of ontological reality. In Why We Think What We Think: The Unexpected Origins of Our Deepest Beliefs, Munthe argues that our deepest convictions turn out to be shaped by genetics, brain shape and sometimes even by the agricultural legacy of our distant ancestors. Left and right thinkers, Munthe argues, are different political phenotypes — each hallucinating their own version of reality. Total relativism, then — the full French post-structuralist monty? Not quite. Here's where Munthe's Englishness kicks in. Following the Anglo-Russian philosopher Isaiah Berlin, Munthe insists pluralism and relativism are different. So Turi Munthe doesn't just think what he thinks because of his English or French origins. Borrowing from the cognitive scientists Dan Sperber and Hugo Mercier, Munthe defines thinking as a “contact sport”. So, for example, believing that the 2020 election was stolen is what Munthe calls a social commitment, because humans would rather be wrong together than right alone. Speaking of convenient segues, Munthe's thoughts on thinking set the scene for next Tuesday's conversation with Emily Eakin, author of The Frenchmen. It's her history of seductive post-structuralists like Foucault, Derrida and Lacan who corrupted a whole generation of literary American Ivy Leaguers (including Eakin) into hallucinating reality. Five Takeaways •       Pluralism Is Not Relativism. Munthe opens with Isaiah Berlin's distinction: registering the sincerity and value of opinions across the political, religious, and ethical spectrum does not relativize truth. That Charles Windsor is King of the United Kingdom is a statement of fact; whether you're a monarchist or a republican is where opinion begins. The book confines itself to the second category — beliefs, values, and opinions that cannot be factually proven — and asks what the nonrational influences on them actually are. The answer is humbling: genetics account for perhaps half of political persuasion, and the rest is shaped by everything from brain anatomy to the agriculture of our ancestors. •       Different Political Phenotypes. At the margins, left and right differ neurologically: right-leaners are on average more readily startled by loud noises and more attentive to threat, while left-leaners carry a slightly larger anterior cingulate cortex — the brain region where we process ambiguity and split hairs. That anatomy, Munthe argues, explains the ideological capture of academia and media better than any conspiracy: hair-splitters go where the hair-splitting is, and a conservative 22-year-old doesn't volunteer for a newsroom where 80% of colleagues think differently. We are, in his phrase, different political phenotypes, each hallucinating a different version of reality. •       Thinking as a Contact Sport. Drawing on Dan Sperber and Hugo Mercier's research, Munthe argues that reason didn't evolve for solitary contemplation — Rodin's Thinker is the wrong image — but for argument: to convince you to hunt the buffalo with me, I need reasons that look objective to you too. The evidence is everywhere, from the most impactful academic papers being written by pairs and groups to the creative density of small university towns. The implication is political: the people we disagree with are not obstacles to good thinking but the condition of it — the loyal opposition that helps us get out of ourselves. •       Wrong Together Rather Than Right Alone. Munthe's reading of January 6 and the stolen-election faith is social rather than psychiatric: an enormous number of our beliefs matter more for what they do than for what they say, and professing them is a commitment to a group. From an evolutionary perspective, believing what your village believes — even about the god who is a giant rock at the end of the field — is intelligent, because the ostracized lose the protection of the group. The terrifying data point is the marriage test: in the 1950s, around 4% of families would have objected to a child marrying across party lines; today it approaches 45%. That is affective polarization, and it can pull societies apart. •       The Problem Is With You. Munthe spent his twenties unable to fathom American gun rights — supporters had to be bought, dumb, or morally corrupt — until he did the work and found a tradition he now calls beautiful and heroic, whether or not he shares it. His rule of thumb: if you can only explain the other side's arguments as madness, danger, or stupidity, the problem is with you. This is not centrism — there was no middle ground on slavery or the Holocaust — but a defense of the clash itself: societies need the left to fix inequality and the right to defend the village, and we think best when the two are, in his words, continually bashed against each other. About the Guest Turi Munthe is a journalist and policy analyst turned media entrepreneur. He founded Demotix, which became the largest network of photojournalists in the world before its sale to Corbis in 2012, and Parlia, an encyclopedia of opinion. He has written for The Economist, The Guardian, the TLS, The Nation, and The Spectator, has sat on the boards of Index on Censorship, openDemocracy, and the Bureau of Investigative Journalism, and is a board member of the Italian media group GEDI, publisher of La Repubblica and La Stampa. He studied Arabic and History at Oxford. Why We Think What We Think: The Unexpected Origins of Our Deepest Beliefs (Penguin/Hutchinson Heinemann) is out now in the UK, with US publication early next year. References: •       Why We Think What We Think: The Unexpected Origins of Our Deepest Beliefs by Turi Munthe (Penguin/Hutchinson Heinemann, 2026). Timothy Garton Ash: “Thinking is a contact sport.” •       Isaiah Berlin — the Anglo-Russian philosopher whose insistence that pluralism and relativism are not the same thing frames the whole book. •       Dan Sperber and Hugo Mercier...

Joseph Sternberg examines Germany's economic struggles under Chancellor Friedrich Merz, including a shift toward deregulation and infrastructure borrowing. Massive layoffs at Volkswagen signal the end of traditional "lifetime employment." Merz faces political challenges from Social Democrats who resist aggressive free-market changes. (7)1839 RHINELAND

Borrowing power has fallen by as much as 30 per cent for some investors – but that doesn't mean property investing is over. It just means the rules have changed. On the KTG Property Podcast, Kev Tran sits down with mortgage broker and investor Jyh Kao to explain how lenders are responding to the negative gearing changes, why borrowing capacities are shrinking, and what investors can do to stay in the game. Kao reveals that changes to lender servicing calculators are reshaping borrowing power, forcing many investors to rethink everything from loan structures and lender choice to the type of property they buy next. The discussion also explores why chasing tax benefits alone has always been the wrong strategy, arguing that investors should instead focus on cash flow, equity, income growth, and long-term portfolio planning. Tran and Kao explain why opportunities still exist despite tighter lending conditions, revealing how strategic lender selection, smarter asset choices, and the right finance structure can help investors continue growing their portfolios even as the market changes.

The leftist cultural critic David Masciotra isn't happy with the state of America in the first half of 2026. His dislike of the MAGA crowd goes without saying. But his anger at the state of progressive politics is more noteworthy. So far, he says, 2026 has been — to borrow from Antonio Gramsci — a time for monsters both on the left and right. With its “Epstein class” vocabulary, knee-jerk Luddism and AIPAC litmus tests, the left, Masciotra argues, is mimicking MAGA in its paranoid bigotry. The year's most disturbing story so far is Graham Platner, the erstwhile Maine Senate candidate who, Masciotra suggests, is either an idiot or a Nazi. Equally disturbing were the “progressives” who blindly defended Platner until the most recent rape accusations. So how to slay these monsters on the left? What's missing, Masciotra argues, is the kind of positively benevolent Jacksonian (Jesse) vision which seizes the moral high ground of American politics. We are still waiting for the next Bill Clinton, Obama, or even Bernie able to imagine a new dawn for the left in America. Maybe we'll see the early shoots of a more optimistic progressivism in the second half of the year. In the manner of a football (soccer) match, let's hope 2026 turns out to be a year of two halves. Five Takeaways •       The Old Gods Return. Masciotra's answer to the what-time-is-it question is that 2026 has seen the old gods stumble back onto the landscape: nationalism, male chauvinism, paranoia and conspiracism. Borrowing from Zygmunt Bauman, he argues that we have moved from a solid age to a liquid one, in which nothing feels stable — and instability inculcates a nostalgia that is usually irrational and ill-informed. People are reaching for the resurrection of manufacturing, the male-headed nuclear family, even a return to religion, with young Americans reportedly turning to Catholicism. Quality of life is objectively better than in our grandparents' era, and yet we live in an age of doom-scrolling and pessimism. •       The Epstein Class and the Left's New Litmus Tests. The criticism of Israeli conduct after October 7 has morphed, for many on the left, into an all-encompassing paranoia in which AIPAC, Zionists, and “the Epstein class” control everything. Graham Platner coupled those terms constantly in his stump speeches — antisemitic conspiracy-mongering 101, in Masciotra's phrase — and declaring Israel genocidal has become a litmus test in Democratic primaries from Maine to Denver to California. Masciotra, who saw Jesse Jackson spend decades atoning for Hymietown, calls this the most important story of 2026 to monitor: the collapse of parts of the progressive left into bigotry, misogyny tolerance, and purity tests. •       Luxury Beliefs and Streamer Politics. Voter turnout used to be organized bottom-up — black churches, the NAACP, Jackson's Rainbow PUSH Coalition — around the issues of actual neighborhoods. Now streamers like Hasan Piker mobilize thousands of calls into districts they know nothing about, amplifying what Masciotra calls luxury beliefs: positions whose consequences never touch the people who hold them, from making every race about Israel to defunding police in neighborhoods the believers don't live in. Whether it's Piker on the left or Nick Fuentes on the right, national streamers will always champion luxury beliefs, because they lack the knowledge to champion local ones. •       Working-Class Drag Doesn't Work. Platner looked like he had just changed a tire and talked like a pro wrestler cutting a promo on Susan Collins — and the polls showed Collins beating him even before he dropped out over credible accusations of rape and domestic violence. White working-class voters, Masciotra argues, are not looking for someone in the right costume with the right gravelly voice; they have real beliefs, and they respond to people who speak directly to their concerns rather than in the nomenclature of consultant firms. Nobody in Maine piecing together a living as a farmer or a home-health aide has AIPAC first and foremost on their mind. •       Waiting for the Benevolent Vision. What the half-year lacks, from Washington to Westminster, is what Jesse Jackson had even for his critics: a benevolent vision. Masciotra finds it today in Bryan Stevenson and the civil rights tradition he calls the moral center of American politics, and in Senator Raphael Warnock, who preaches from King's old church. His policy candidate for the next Clinton-or-Obama moment is a self-employment manifesto — politics for the millions piecing together gig work who appear in nobody's rhetoric, not the manufacturing nostalgia of the right nor the union nostalgia of the left. And on AI, he sees an opening: oppose the secretly-dealt data centers, as presidential hopeful J.B. Pritzker has, but harness the technology for the precariat rather than the moguls. About the Guest David Masciotra is a cultural critic, journalist, and lecturer. He is the author of six books, including Exurbia Now: The Battleground of American Democracy (Melville House, 2024) and I Am Somebody: Why Jesse Jackson Matters (Bloomsbury, 2020), drawn from his many years working alongside the late Reverend Jackson. His writing appears in UnHerd, The New Republic, Washington Monthly, The Progressive, and the Los Angeles Review of Books, and he teaches literature and political science in Indiana. He is a longtime friend of the show. References: •       Exurbia Now: The Battleground of American Democracy by David Masciotra (Melville House, 2024). Booklist, starred review: “Insight and a fresh perspective on the culture wars.” •       I Am Somebody: Why Jesse Jackson Matters (Bloomsbury, 2020) — Masciotra's biography of the Reverend, discussed here for Jackson's decades of recompense after the 1984 Hymietown remark. •       Zygmunt Bauman — the Polish sociologist of liquid modernity, quoted in Exurbia Now, whose move from solidity to liquidity frames the episode's diagnosis of nostalgia. •       Antonio Gramsci — the Prison Notebooks passage on the interregnum, in both its translations: morbid symptoms and monsters. •       Masciotra's recent UnHerd essays — on why Democrats gave Graham Platner a free pass, on the party's luxury belief agenda, and on Stephen Colbert as the emblem of detached establishment liberalism. •       Bryan Stevenson — founder of the Equal Justice Initiative and the legacy sites memorializing slavery and lynching; the subject of Masciotra's forthcoming piece and, in his view, the closest thing 2026 has to a benevolent vision. About Keen On America Nobody asks more awkward questions than the Anglo-American writer and filmmaker Andrew Keen. In Keen On America, Andrew brin...

Ever notice how the people around you have plenty of opinions about your ultra running? In this episode, I'm sharing a simple encounter with a bear in my neighborhood that turned into a powerful coaching lesson about fear, beliefs, and why so many runners unknowingly carry around stories that aren't actually their own.In this episode, we cover:Why the same situation can lead to completely different reactions based on our beliefs.How friends, family, social media, and even other runners unknowingly pass their limiting beliefs onto us.The importance of questioning where your thoughts about training, aging, injury, and performance actually came from.How separating facts from borrowed beliefs can completely change your training and your confidence.Remember: Just because someone hands you a belief doesn't mean you have to carry it.

AP's Alex Veiga reports that interest rates inches up.

This week's episode is a solo conversation tackling one of the most common, and most painful, themes that emerges after a traumatic birth: self-blame.If you've ever found yourself replaying your birth and thinking, "I should have spoken up," "I should have known something was wrong," or "My body failed my baby," this episode is for you. Kayleigh explores why these thoughts are such a common response to trauma, how our nervous systems use self-blame as a way to create a sense of safety and control, and why simply hearing "it's not your fault" often isn't enough to create lasting healing.Rather than trying to convince you to stop blaming yourself, this episode invites you to approach these thoughts with curiosity, compassion, and a deeper understanding of the neurobiology of trauma.In This Episode, We Discuss:

Should you lease, buy new, or buy used commercial trucks for a home service business? Discover fleet management strategies to scale your business, manage cash flow, and handle vehicle maintenance without draining your budget. In this episode of Masters of Home Service, host Adam Sylvester sits down with Beau Batcheller (Five Stones Landscaping) and Kyle MacDonald (Force Fleet Tracking) to break down the true costs of growing a reliable fleet. Looking to simplify fleet management? Learn more about the Force Fleet Tracking and Jobber integration: https://bit.ly/3QRTIWN New to Jobber? Claim your exclusive listener discount: https://bit.ly/4y8A4GJ Show Notes: [00:42] How to know when older work trucks become a financial liability [01:33] Commercial truck leasing vs. buying: Real contractor experiences [04:54] Should contractors buy new or used work vehicles? [08:48] How to make fleet maintenance costs predictable [12:51] What does a vehicle breakdown really cost? [14:58] How a clean, wrapped fleet builds customer trust [16:09] Tips for finding affordable work trucks at vehicle auctions [17:22] How to calculate and track the true cost of vehicle ownership [18:11] How to buy used commercial trucks without overpaying [18:50] Backup trucks, vehicle wraps, and smart contractor branding [20:30] Borrowing or renting commercial trucks during unexpected breakdowns [21:14] Common fleet maintenance habits business owners skip [21:29] The hidden fuel costs of running older work trucks [21:55] Why you shouldn't buy your dream truck too early in business [22:18] What are the long-term benefits of buying newer work trucks?

Contrary to what is sometimes assumed, Paul tells us that certain things of global significance have to happen before Christ returns. These things are not happening currently as far as we can see. If this is the case, then in what sense is Christ's return 'imminent'? Borrowing from John Piper, we look at three ways: 1) prophetically near; 2) divinely near; and 3) potentially near. You can watch this message here.

According to JD Power surveys, 49% of small businesses are financially unhealthy. That fact, coupled with their discovery that 89% of small businesses use credit cards for business purchases, can lead to danger.  Especially, when we learn that the average interest rate on credit cards rose to 21% in February from 14% in 2022.  Borrowing money ... The post Credit Cards and Small Business appeared first on Unconventional Business Network.

Debt always costs more than the interest rate. It can affect your budget, your marriage, your margin, and even your ability to respond freely when God leads. That doesn't mean borrowing is always wrong. But it does mean Christians should approach debt carefully, prayerfully, and with wisdom. Ron Blue, a pioneer in biblically wise financial planning and co-founder of Kingdom Advisors, joined the show today to discuss principles from his article, “Five Rules for Borrowing,” featured in the latest issue of our Faithful Steward magazine. Here are several key questions to ask before taking on debt. Will This Debt Produce More Value Than It Costs? Ron's first rule is that borrowing always mortgages the future. When you borrow money today, you commit future income to yesterday's decision. That's why it's important to consider whether the economic return is greater than the economic cost. In some cases, borrowing may help you purchase something that can grow in value or produce long-term benefits, such as a home or a business. But that is very different from borrowing for things that immediately decline in value. Credit cards and auto loans are common examples. While using a credit card for convenience and paying it off every month can be reasonable, carrying credit card debt to fund consumption is a dangerous pattern. As Ron put it, borrowing to build wealth is one thing. Borrowing for something that steadily loses value is another. That road can quickly lead to bondage. Am I Presuming Upon the Future? The second rule is simple but often overlooked: never presume upon the future. When you borrow, you are making an assumption about tomorrow. You assume your income will continue. You assume your health will remain stable. You assume your circumstances will allow you to repay what you owe. But life does not always unfold the way we expect. Jobs change. Markets shift. Health challenges come. Unexpected expenses arise. That's why every borrowing decision needs a clear repayment plan. Before taking on debt, ask, “How will I pay this back?” If the answer depends on overly optimistic assumptions, it may be wise to pause. Borrowing without a sure path to repayment can create unnecessary pressure and reduce financial flexibility. Are We in Full Agreement as Husband and Wife? Debt not only affects a balance sheet. It affects the whole household. That is why Ron's third rule is that spouses should be in full agreement before any borrowing takes place. Husbands and wives often think differently about money. They may have different experiences, fears, preferences, and priorities. One spouse may be more comfortable with risk, while the other feels the weight of debt more deeply. Those differences are not necessarily wrong. In fact, they can be a gift. Ron reminds couples that God does not give us a spouse to frustrate us, but to complete us. When spouses slow down, listen well, and work through disagreements, they often make wiser decisions together than either would make alone. But when borrowing decisions are made without unity, they can create resentment, tension, and a growing sore spot in the marriage. Before taking on debt, couples should ask: “Are we truly united in this decision?” Have I Given God an Opportunity to Provide? Ron's fourth principle may be the most surprising: never deny God an opportunity to provide. Before borrowing, it is worth asking: Have I prayed about this? Have I asked God for wisdom? Have I considered whether there may be another way to meet this need? Sometimes borrowing feels like the fastest solution. But speed is not always the same as wisdom. God may provide through delayed timing, a different opportunity, a generous gift, a creative solution, or simply a change in desire. He may also confirm that borrowing is the right path. But the key is not to leave Him out of the decision. Wise stewardship means bringing our needs before the Lord and giving Him room to lead. Borrow Carefully, Prayerfully, and Wisely Debt is not always sinful, but it is never neutral. It places a claim on future income and can shape a household's freedom, peace, and flexibility. Before you borrow, ask whether the debt makes economic sense, whether you are presuming upon tomorrow, whether you and your spouse are in agreement, and whether you have given God an opportunity to provide. For Ron Blue's full article, “Five Rules for Borrowing,” become a FaithFi Partner at FaithFi.com/Give. FaithFi Partners receive Faithful Steward magazine every quarter, along with other resources to help them integrate faith and financial decisions for the glory of God. On Today's Program, Rob Answers Listener Questions: I have a retirement account with a broker, and I've asked him about investing in line with biblical values. He asked me for about five screening filters. I thought of pro-life/anti-abortion, but what other filters would you suggest for faith-based investing? I have a two-part question about charitable giving. What tax-advantaged giving options are available—such as donor-advised funds—and at what ages can someone use each one? Resources Mentioned: Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner) Five Rules for Borrowing by Ron Blue (Article in Faithful Steward, Issue 6) National Christian Foundation (NCF) OneAscent | Timothy Plan | Eventide | Praxis | Guidestone Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship by Rob West Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety Rich Toward God: A Study on the Parable of the Rich Fool Find a Certified Kingdom Advisor® (CKA) FaithFi App Remember, you can call in to ask your questions every weekday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Americans are sitting on more home equity than ever -- and more of them are tapping it. Not because they're struggling, but because they locked in ultra-low mortgage rates and they're not giving those up. So instead of refinancing, they're turning to HELOCs and home equity loans. Joe and OG walk through the math, the psychology, the questions most people never think to ask, and the specific situations where borrowing against your home equity actually makes sense -- and the ones where it quietly destroys a plan that was working.What You'll Walk Away WithWhy home equity borrowing is surging right now -- and why keeping a 3% mortgage while opening a HELOC at 7.5% might still be the smarter moveThe Oreo problem: why having a HELOC open "just in case" is the financial equivalent of leaving a sleeve of Oreos on the counter and expecting not to eat themOG's CEO versus CFO framework: how to separate the decision of whether to do the project from the decision of how to finance itThe rate math you should actually run before choosing between a HELOC, a home equity loan, and a full refinance -- including current Bankrate benchmarksHome improvements, credit card consolidation, college costs, business startup, and investing: OG's honest take on each use case, including the ones that are just bad ideasThe questions nobody asks before getting a HELOC -- including when the rate adjusts (spoiler: faster in one direction), what happens to the draw period, and whether the bank can pull the line at any timeWhy using home equity as a third-tier emergency fund sounds clever but has a fatal flawWhat happens if home prices fall and you've borrowed heavily against the equity -- and why Texas has the 80% ruleOG and Anna wrap up season two of the financial basics series -- including why financial planning is an ongoing activity, not a document, and what's coming in season threeThe one open question OG wants Stackers to send him before season three beginsWhy This Matters NowHome prices are up. Mortgage rates are still elevated. The people most tempted to tap their equity are often the ones who built it most carefully -- and that's exactly when the guardrails matter most.From the BasementJoe and OG dig into the HELOC decision with specifics: math, psychology, use cases, and the questions banks don't volunteer. OG and Anna close out season two of the financial basics series with a reflection on why everything in a financial plan connects to everything else -- and a preview of what's coming in season three. Doug arrives with Bernie Madoff trivia. The guides get a Scout upgrade and the college planning guide gets a refresh just in time for back to school.Resources MentionedStacking Benjamins Guides -- workplace benefits, tax planning, and college planning with Scout AI; stackingbenjamins.com/guidesStacking Benjamins Field Kit -- stackingbenjamins.com/fieldkitStacking Benjamins Basics Guide -- season one and season two; stackingbenjamins.com/basicsguideStacking Benjamins voicemail -- stackingbenjamins.com/yelldownstairs; leave a question for the next Q&A episode with AnnaOG financial planning calendar -- stackingbenjamins.com/ogStacking Benjamins Newsletter (The 201) -- stackingbenjamins.com/201Stacking Benjamins Community -- stackingbenjamins.com/basementSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Australia's capital gains tax rules are changing from 1 July 2027, and the shift could matter for anyone holding crypto, shares, property or other investment assets. In this episode, Peter walks through what is changing, why the government is making the change, and how the move from the 50% CGT discount to indexation plus a 30% minimum tax floor may affect Australian crypto investors.The episode covers the current CGT treatment for crypto, how long-term holders currently access the 50% discount, what the new indexation model is designed to do, and why the transition period could create messy gain-splitting calculations for assets held before and after 1 July 2027. It also looks at practical planning conversations to have with an accountant, including whether to realise gains before the cutoff, hold through the change, borrow against assets, or explore superannuation structures.This content is general education only and is not financial, legal or tax advice. Speak with a qualified accountant or financial adviser before making decisions about selling, restructuring or borrowing against crypto assets.Key Takeaways:- The current 50% CGT discount for assets held longer than 12 months is being replaced by an indexation-based approach from 1 July 2027.- The new system includes a 30% minimum tax floor on real capital gains, which may affect investors differently depending on their marginal tax rate.- Crypto remains subject to standard CGT rules, including disposals triggered by selling, swapping, gifting, converting to fiat or spending crypto.- Assets held before 1 July 2027 and sold after that date may require gains to be split between the old and new systems.- The change may create planning decisions for long-term crypto holders who already have unrealised gains.- Some investors may consider realising gains before the cutoff, while others may prefer to hold and accept the new treatment.- Borrowing against assets and self-managed super fund structures are discussed as options to raise with a qualified adviser.- The episode strongly emphasises getting personal tax advice before making any CGT-related decisions.Links & References:- Tax reform bill passes the Parliament: https://link.learncardano.io/HfEtiC- Greens back CGT, negative gearing changes in return for extended NDIS inquiry, end to super loophole - ABC News: https://link.learncardano.io/SQig5Z- Federal Budget 2026–27 | Insight | Baker McKenzie: https://link.learncardano.io/G6bprx- Federal Budget Analysis 2026 | Capital Gains Tax - William Buck Australia: https://link.learncardano.io/m8W6Ox- https://link.learncardano.io/LXjMqw- https://link.learncardano.io/E5WvMt- https://link.learncardano.io/CEFrM5Website: https://link.learncardano.io/bQ68RcX/Twitter: https://link.learncardano.io/3a1QtvDisclaimer: This content is for educational purposes only. Nothing constitutes financial advice.DISCLAIMER: This content is for informational and educational purposes only and is not financial, investment, or legal advice. I am not affiliated with, nor compensated by, the project discussed—no tokens, payments, or incentives received. I do not hold a stake in the project, including private or future allocations. All views are my own, based on public information. Always do your own research and consult a licensed advisor before investing. Crypto investments carry high risk, and past performance is no guarantee of future results. I am not responsible for any decisions you make based on this content.

Episode 303 - Borrowing Peace What if peace isn't something you have to create on your own? In this episode, the friars reflect on the gift of "borrowing" from Jesus. His peace, His confidence, His mercy, His steadiness, especially when our own hearts feel overwhelmed, anxious, or shaken. Like a child borrowing calm from a loving parent, we're invited to bring our storms to the One who is never overcome by them. They explore how Jesus offers us His very life: in prayer, in the Eucharist, and in the quiet steadiness of His presence. When we feel disregulated, afraid, ashamed, or unable to hold everything together, we don't have to manufacture peace by ourselves. We can receive His. This conversation is an invitation to return to Jesus in the boat, Jesus in the Eucharist, Jesus who gives His body and His peace to us so that what we receive from Him can become what we offer to others. Join us as we learn to borrow peace from Jesus, and become a place of calm, mercy, and safety for others. The Poco a Poco podcast happens because of many generous donors, including recurring monthly donations of any amount. Thinking about helping out? You can give at https://spiritjuice.org/supportpoco. Thank you!

US residential electricity prices have risen by more than 40 per cent since the start of 2021, which is much faster than general inflation. Utilities requested a total of $31 billion in increased rates last year, double the amount in 2024. And investor-owned utilities are planning to spend $1.4 trillion on capital projects over the next five years – enough on one calculation, to build almost 2,000 Hoover Dams at today's prices. So why are American electricity bills going up, and what can be done to provide some relief for hard-pressed consumers?In this episode, host Ed Crooks and regular contributor Dr Melissa Lott are joined by Charles Hua, founder and executive director of PowerLines, a nonprofit launched in 2024. Charles's focus is on US states' Public Utilities Commissions: the roughly 200 commissioners across the country who oversee around $200 billion in annual spending and ultimately determine what consumers pay. He calls them the “US Supreme Court justices of energy”.The discussion opens with questions of consumers' perceptions, and how they align with reality. The data show that in the past few years, electricity bills have been rising, on average, explaining why the issue has been rising up the political agenda.Recent Ipsos polling commissioned by PoweLines found that four in five Americans feel powerless about energy costs. The proportion who believe their state officials are serving their interests as consumers fell from 38 per cent to 29 per cent in a single year. Charles calls this "a new politics of electricity." It is a domain that until recently sat outside mainstream political attention, but now reaches governors' offices and the White House.Charles and Melissa then unpack what is actually driving the increases. Melissa walks through the top five cost drivers identified in the Lawrence Berkeley National Laboratory's analysis: fuel and wholesale supply, distribution costs, generation capex, transmission costs, and cost recovery from extreme weather events. Charles points beyond the line items to a fundamental issue: the traditional utility business model, which structurally rewards capital spending. The question about the impact of data centers is unavoidable. Charles breaks it down: until now, data centres have not been a meaningful driver of price increases across most of the country. But that does not mean they will not be in future. PJM's capacity auction, where prices have rocketed, is one early signal that the picture is starting to change.Charles offers three solutions. First, get more out of the existing grid, which is currently running at roughly 50 per cent utilisation, through technologies he describes as "ibuprofen for the grid." Second, modernise the utility business model, potentially drawing on the UK's totex approach, where utilities can earn a return on operational as well as capital spending. Third, improve grid planning, particularly how load is forecast and how integrated resource plans are built.Melissa zooms out to remind listeners what is actually at stake. Borrowing a line from Amory Lovins, she says: "I don't care about my electrons. I care about cold beer and hot showers." The question is not just about price, but about whether households can keep their homes safe and liveable year-round. You can learn more about PowerLines at PowerLines.org. See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

What does it take to stay steady when life, leadership, and uncertainty seem determined to pull you in every direction? In this episode of Becoming Unshakable, I sit down with Phillip W. Heath, President and CEO of Samaritan Health Care and Hospice, to explore a career built on service, compassion, and resilience. Having dedicated more than three decades to caring for vulnerable populations, Phillip shares why leadership begins with understanding others' needs and how staying connected to the people you serve can provide clarity, purpose, and perspective.   Our conversation moves beyond traditional leadership advice and into the realities of making difficult decisions, navigating ambiguity, and remaining committed to a mission as external pressures mount. Phillip reflects on moments when he questioned his path, the lessons he learned from saying yes to opportunities others might avoid, and why chasing every new idea can distract leaders from what matters most. We also discuss the balance between mission and sustainability, and why meaningful leadership requires both heart and discipline.   One theme that stayed with me throughout this conversation is Phillip's belief in the power of mentorship. He explains why no leader succeeds alone, how mentors have shaped his journey, and why borrowing steadiness from others can help us navigate uncertainty with greater confidence. Whether you're leading a team, navigating change, or simply searching for a stronger sense of direction, this episode offers practical wisdom on building resilience through relationships, staying true to your values, and continuing to grow through every stage of leadership. As always, I'd love to hear your thoughts. Who has been the mentor who helped shape your journey, and what lessons from them still guide you today?

Pourquoi un magazine télé est-il plus que juste un magazine télé? Voici mon conseil si vous venez en France : acheter Télérama.  A partir de là, je vous décris ma semaine comme c'est fait chaque semaine par un journaliste différent du magazine.  C'est l'occasion pour moi de vous raconter plein de moments d'une semaine riche en événements divers (culturels, médicaux, shopping et canicule).  La lettre qui accompagne cet épisode contient des photos, des repères culturels et linguistiques.  SPECIAL ÉTÉ : nous appréhendons le français d'une manière plus ludique, mais néanmoins sérieuse, avec une activité à l'oral à partir de ce texte.   www.onethinginafrenchday.com   spoken french, learn french, french daily life, life in paris, paris stories, authentic french, french verb tenses, weekly routine french, parisian week

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3048: Robert Farrington breaks down the student loan process from application to repayment, helping students understand how to borrow responsibly and avoid unnecessary debt. By explaining the true costs of college, the risks tied to borrowing, and the repayment options available, he offers practical guidance for making smarter financial decisions. Read along with the original article(s) here: https://thecollegeinvestor.com/21917/how-student-loans-work/ Quotes to ponder: "Taking more loan money than what is needed will cost more in interest and increase your monthly loan payments." "Our key rule of thumb for how much you should borrow is simply to NEVER borrow more than you expect to earn in your first year after graduation." "If you don't repay a student loan, the government can garnish your wages, take your tax returns, and more." Episode references: Student Loan Planner: https://www.studentloanplanner.com/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Money talks (and so should your P&L). This week, the guys are getting fiscal. Conrad and Gyi bring in two heavy hitters. First up, Leah Miller, fractional CFO and Founder of Firmly Profits, sits down with Conrad and Gyi at the PILMMA Super Summit and breaks down what your finances actually say about your marketing. The big (and predictable) surprise? Most firms are undercapitalized and under-measured. She and the guys dig into the real benchmarks: what healthy marketing spend looks like (you're probably low), what KPIs a CFO actually cares about, and why doubling your intake means nothing if your average case value is tanking. Consider this Chapter One. Then, Josh Porte from Holland & Knight demystifies the MSO model in plain English in a conversation recorded at Vista Consulting Team's A Seat at the Table event. If you've been nodding along to private equity conversations while secretly Googling "what is Rule 5.4," it's time to get schooled. Josh walks through how money flows between a law firm and an MSO, where the ethical guardrails actually live, what rollover equity means for sellers, and why the management services agreement you sign today might be with you for the next 20 years. Minimum. Advanced material, but we believe in you. Whether you're running a tight PI shop or eyeing an acquisition, this episode is a masterclass in treating your law firm like the business it actually is. No yellow book required.-Want to hear more from our guests? They're on LinkedIn (and they're real people, not AI!): Connect with Leah Miller; Connect with Josh Porte. -We learned so much at A Seat at theTable that we created a page on our website dedicated to it. Listen to all the interviews, and enjoy the enlightening conversations as much as we did: https://lunchhourlegalmarketing.com/private-equity-law-firms-the-mso-guide/ -We are now less than two months away from The Lunch Hour Legal Marketing Summit! Check out our speakers, agenda, and register on our website.-A roaring ‘thank you' to our incomparable sponsors: Juvo Leads, Lawmatics, CallRail, and ALPS Legal Malpractice and Law Firm Insurance! Chapters 00:00 Intro 03:23 Leah Miller: How Much Should You Spend on Marketing? 06:27 KPIs & Metrics CFOs Actually Care About 08:19 Financial Benchmarks for Law Firms 11:13 Brand vs. Non-Brand Spend & Regional Variability 12:08 Borrowing to Grow: Acquisition Financing 14:58 AI, Offshore Staffing & the Impact on Labor Costs 15:55 Modeling Finances Around Big Outlier Cases 17:06 What to Look for in a Fractional CFO 19:00 Josh Porte: Rule 5.4 & the MSO Structure Explained 21:12 Josh's Role at Holland & Knight 21:58 What Makes a Great MSO Transaction 23:24 The Gray Areas: Intake, Case Acceptance & Rule 5.3 25:50 How Money Flows: Fixed Fees vs. Cost Plus (No Revenue Splits) 27:56 Where AI Software Lives in the MSO Structure 29:44  Growth Through Acquisition: The Buy-and-Build Playbook 32:29 Operating Agreements, Non-Competes & Rollover Equity 35:58 Management Services Agreements: Terms & Lock-In 37:05 EBITDA Multiples, Multiple Arbitrage & Equity Value Creation 40:17 PE Fund Timelines & Exit Horizons

What if the version of success you're pursuing isn't actually yours? In Episode 264 of Just Start: Get Visible, Jacqueline M. Baker explores how easy it is to adopt definitions of success that are shaped by family expectations, workplace culture, social media, and external validation rather than our own values and aspirations. Inspired by themes from Episode 262 with Kaylan Martin, this episode challenges listeners to examine whether the goals they are pursuing truly align with the life they want to build. While traditional markers of success such as promotions, recognition, titles, and accomplishments can be meaningful, they can also become distractions when they are pursued without intention. Jacqueline shares practical insights for identifying when you're chasing someone else's vision of success, recognizing the traps of external validation, and creating a more authentic definition of success that reflects your current season of life. Listeners will learn: Common signs you're pursuing someone else's definition of success How external validation can influence decision-making Why success should evolve as your life and priorities change The importance of defining success for your current season How to build a joy-centered decision-making framework Reflection questions to help clarify what success means to you Whether you're navigating a career transition, leadership journey, business growth, or personal reinvention, this episode offers an opportunity to pause, reflect, and reconnect with what truly matters. Memorable Takeaway "Success feels different when you choose it for yourself." Reflection Question If nobody were watching, would you still want the goals you're currently pursuing?

What do I do first when I find out I'm getting divorced? It is the number one question people ask the moment divorce becomes real, whether they reached the decision themselves or were just told it is coming. In one of her most-requested solo episodes, Susan Guthrie introduces the concept of Divorce Triage, a clear-headed way to assess your situation and decide who to reach out to first based on the urgency and the needs of your specific case. Borrowing from the emergency room, Susan explains that when a crisis hits, whether emotional, legal, or financial, you do not have to solve the whole thing at once. You just have to take the right first step. Drawing on more than three decades as a family law attorney and mediator, she walks through the core members of a divorce support team, the attorney, the mediator, the divorce coach, the therapist, and the certified divorce financial analyst, and uses real scenarios to show who your first call should be. From the affair discovery, to the financial betrayal, to the blindsided stay-at-home parent, to the longtime thinker who is finally ready to act, each situation calls for a different first move. Divorce is not one size fits all, and the first decision you make can shape everything that follows. This episode helps you think clearly and choose carefully, so you move forward with strength and strategy instead of panic. Episode 1 of 8 in the Divorce & Beyond Summer Essentials Series This summer, Divorce & Beyond brings back 8 the episodes listeners reach for most, the conversations with the clearest, most practical guidance for anyone thinking about, going through, or rebuilding after divorce. New Essentials air every other Monday all summer. Follow the show so you never miss one. The series starts here. What You'll Learn Why your first call may not be an attorney, and how to triage who you reach out to based on your circumstances Who belongs on your divorce support team, the attorney, mediator, divorce coach, therapist, and CDFA, and when to bring each one in How to take the right first step when betrayal, fear, or financial shock has your emotions all over the place Why too many voices create confusion, and how to avoid the trap of asking everyone for advice Susan's golden nugget: why divorce is not a DIY project, and why the first decision you make shapes everything that comes next If This Episode Helped You Follow Divorce & Beyond so you never miss an episode. Share it with someone who needs clear, reliable guidance right now. And if you have a moment, a five-star review makes a real difference in helping the show reach the people who need it most. Follow Divorce & Beyond Website: divorceandbeyondpod.com Instagram: instagram.com/divorceandbeyondpod About the Host: Susan Guthrie, Esq. Susan Guthrie is one of the nation's leading family law and mediation attorneys, with more than 35 years of experience helping people navigate divorce with clarity and strategy. She is the Immediate Past Chair of the American Bar Association Section of Dispute Resolution, a best-selling author, and a sought-after speaker and trainer. Susan recently appeared as the featured expert on The Oprah Podcast and has been cited in The Wall Street Journal, Forbes, Town & Country, The Washington Post, NewsNation, and NBC Chicago Today, among others. As the creator and host of Divorce & Beyond, ranked in the top 1% of all podcasts worldwide with more than 1.3 million downloads and an Apple Top 100 Self-Help designation, Susan brings together leading legal and mental health experts to help listeners move through divorce and into what comes next. Learn more at divorceandbeyondpod.com/about.   Disclaimer: The commentary and opinions shared on this podcast are for informational and entertainment purposes only and do not constitute legal advice. Consult a licensed attorney in your state regarding your specific situation.

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Chief Fixed Income Strategist Vishy Tirupattur takes a look at how credit markets are adapting to fund the new phase of AI capex.Read more insights from Morgan Stanley.----- Transcript ----- Welcome to Thoughts on the Market. I am Vishy Tirupattur, Morgan Stanley's Chief Fixed Income Strategist. Today – The critical question behind the AI-driven capex cycle that is front and center for markets year to date. How is credit market financing this ecosystem evolving? It's Wednesday June 3rd at 2 pm in New York. When we first discussed the role of credit markets in financing the AI and data center build-out around the middle of last year, the direction of travel was clear. Realizing the transformative potential of AI requires unprecedented levels of capex. What has really surprised us since is the scale and speed of that spending, both of which have exceeded our expectations by a wide margin. The upward revision to capex expectations has been dramatic. A year ago, we projected the combined capex of the five large hyperscalers at roughly $450 billion in both 2026 and 2027. After the first quarter earnings reports, Morgan Stanley's internet equity analysts, led by Brian Nowak, now expect hyperscaler capex of roughly $800 billion in 2026 and $1.2 trillion in 2027. One data point really captures the surge in the underlying demand for compute. According to OpenRouter, the global weekly token usage, which is a key proxy for compute, has risen by roughly 350 percent since early January, increasing from about 6 trillion tokens to 28 trillion tokens. Credit channels for financing this capex have not only been broader and deeper than we anticipated, spanning public and private markets, but have seen remarkable in the structural innovation that is blurring the lines between public and private markets. Over $200bn of public AI-related issuance across the different credit channels has happened just in the first five months of this year. We had previously assumed unsecured issuance would be limited by the scale of the largest non-financial issuers, confined to investment grade credit only, and largely USD denominated. Instead, some hyperscaler issuance has now far exceeded even the largest telecom names; funding has expanded well beyond USD into EUR, GBP, CHF, JPY and CAD markets. The issuer base has also broadened to include data center REITs and neoclouds, particularly in the high-yield market. The scope of financing has also widened beyond the data center shells themselves. GPU financing, which we assumed would be funded entirely through equity capital, has begun to migrate into credit markets. Funding is now coming through broadly syndicated loans and asset based financing, with ABS structures not far behind. Structural innovation illustrates how rapidly the credit ecosystem is adapting to the complexities of demands of AI-driven capex. Financings that combine elements of project finance, tranching, and residual value guarantees, along with high-yield issuance backed by hyperscaler guaranteed leases – these are innovations that we have never seen before. These structures have expanded the investor base, reduced the funding frictions, and further blurred traditional boundaries – between both corporate and project finance, and public and private credit markets. At the same time, physical, operational, and political constraints are beginning to shape the pace and the composition of the AI infrastructure build-out – and, by extension, the demand for financing. Grid access, power generation equipment, skilled labor, and permitting delays are emerging as significant constraints. These are compounded by political and regulatory frictions at the local, national, and international level. As power availability becomes a gating factor, the AI build-out is likely to pull energy infrastructure financing more tightly into the orbit of AI infrastructure financing. The clear takeaway is this. The capex requirements underpinning AI infrastructure are expanding exponentially, and with them the role of credit markets in financing this build-out. Along the way, there will be winners and losers, periods of adjustment, and a range of physical, financial, and political constraints that shape outcomes on the margin. But the broader trajectory is certain. The scale, duration, and strategic importance of AI infrastructure investment mean that financing of this will remain a defining theme for credit markets and credit investors for years to come. Thanks for listening. If you enjoy the podcast, please leave us a review wherever you listen and share Thoughts on the Market with a friend or colleague today.

Treasury yields are edging higher as U.S.-Iran military exchanges rattle markets and inflation expectations climb, creating a challenging environment for fixed income investors. We decode what's driving yield movement right now and whether bond investors should be repositioning for a higher-for-longer world.Today's Stocks & Topics: Tenet Healthcare Corporation (THC), Market Wrap, Phibro Animal Health Corporation (PAHC), Mueller Industries, Inc. (MLI), Is the 10-Year Treasury Yield About to Break Out? What Rising Rates Mean for Bonds and Borrowing, Janus Henderson AAA CLO ETF (JAAA), Barrett Business Services, Inc. (BBSI), The IPO Market, Dividend Reinvestment, Vanguard Mid-Cap Index Fund ETF Shares (VO). Our Next Wealth Webinar: “Beyond the Yield: How to Invest for Your Income Needs” June 30th, 2026 - 12:00 pmTo sign up: https://us06web.zoom.us/webinar/register/5717793889555/WN_XuoDgMVwSv6wZXXurrZTLgOur Sponsors:* Check out Anthropic and use my code Claude.ai/invest for a great deal: https://www.anthropic.com* Check out Chilipad and use my code sleep.me/INVEST for a great deal: https://sleep.me* Check out Plaud AI and use my code INVEST for a great deal: https://plaud.ai* Check out Progressive: https://www.progressive.com* Check out Quince and use my code quince.com/invest for a great deal: https://www.quince.com* Check out Scribe and use my code scribe.how/invest for a great deal: https://scribe.com* Check out TaskRabbit and use my code INVEST for a great deal: https://taskrabbit.com* Check out TruDiagnostic and use my code INVEST20 for a great deal: https://www.trudiagnostic.comAdvertising Inquiries: https://redcircle.com/brands

Ramit Sethi of I Will Teach You To Be Rich talks to Freya and Blake, a couple in their mid-40s with two young children who are facing one of the most urgent financial situations we've seen on the show. Together, they earn around $143K a year, but their fixed costs are at 102%, they have $0 in savings, only $180 invested, and more than $96K in debt. Freya applied because she feared they were close to becoming homeless. On the surface, their problem looks like debt. Underneath, it's avoidance, guilt, lack of partnership, and years of “we'll figure it out later.” Freya carries the emotional labour of the household and money decisions, while Blake admits he avoids the numbers and tries to solve problems by simply making more money. Ramit helps them confront the reality of their situation, stop tinkering around the edges, and build a radical plan that gives their family a chance to get stable. In this episode we uncover: • Why Freya and Blake are spending more than they make every month • How their fixed costs reached 102% of their income • Why having a $143K income still isn't enough when there's no system • The $96K debt number that forces them to face reality • Why Freya feels like she has to manage everything alone • Blake's “ostrich” approach to money and avoidance • How trips, skiing, and everyday spending became symptoms of a bigger issue • Why being intelligent doesn't protect you from bad money decisions • The emotional cost of having $0 in savings with two young children • How childhood, privilege, resentment, and guilt shaped their money habits • Why hustling stops working once fixed costs get too high • Ramit's warning that they are weeks away from not being able to pay rent • Why Blake may need to aggressively increase his income • How they move from blame and panic into a shared plan • Their follow-up reflections on what finally felt doable Chapters: (00:01:20) Meet Freya and Blake (00:03:30) Why Freya applied to speak with Ramit (00:05:23) “Do you want to have a budget conversation?” (00:05:56) The skiing trip that became a money fight (00:08:22) The Mexico trip they couldn't afford (00:13:52) Savings are gone and the safety net has disappeared (00:15:16) Freya carries the planning, groceries, kids, and money stress (00:21:54) Looking at the Conscious Spending Plan together (00:24:01) The real debt and net worth numbers land (00:31:24) Why 102% fixed costs means they are broke (00:32:04) Ramit warns they are weeks away from not paying rent (00:34:54) Childhood money lessons and blame (00:43:57) Borrowing money to avoid eviction (00:48:11) Blake's belief that more income will solve everything (00:57:14) Guilt, family, and saying yes when they should say no (01:03:00) Defining a realistic Rich Life from where they are now (01:08:30) Childcare costs disappearing (01:15:03) Freya asks Blake to help with grocery planning (01:18:00) Why savings comes before debt payoff right now (01:34:00) Why the plan finally feels doable This episode is brought to you by: Grow Therapy | Visit https://growtherapy.com/ramit to find a therapist today. LMNT | Get a free LMNT Sample Pack with any order at https://drinklmnt.com/RAMIT MasterClass | For unlimited access to every class and at least 15% off any annual membership, go to https://masterclass.com/ramit Facet | As of the date of this recording, Facet is waiving the enrollment fee for new annual members, and for my audience, Facet is offering $300 into your brokerage account if you invest and maintain $5,000 within your first 90 days. Head to facet.com/ramit to learn more about which membership option is best for you. Offer has been extended to 12/31/2026. #FacetAd Connect with Ramit • Get my new book, Money For Couples • Get Money Coaching with Ramit  • Download the Conscious Spending Plan • Listen to my book—now on Audible • Get my New York Times best-selling book • Get my no-numbers journal • Other episodes • Instagram • Twitter • YouTube Have you or your partner realised you're paying a 1% financial advisor hundreds of thousands of dollars in fees over your lifetime? Maybe you feel stuck because they're your “family money guy,” If so, I want to talk. Apply to be on my podcast at https://iwt.com/apply

Simone Biles and Rebeca Andrade are two of the greatest gymnasts in history. Yet they competed against each other just five times in nine years! In this episode, we tackle what may be gymnastics' biggest structural problem: the world's best athletes rarely get the chance to face each other. We propose a complete overhaul of the competition system, including world rankings, federation-free qualification pathways, athlete-controlled careers, an elite season, and fan-voted wild cards. We also explore how sports like tennis, the WNBA, and other professional leagues handle competition, athlete compensation, data rights, and fan engagement—and what gymnastics can learn from them. Plus, we discuss real-time scoring technology, VR and AR viewing experiences, digital-twin technology, and other innovations that could modernize the sport and make gymnastics easier to follow for fans around the world. CHAPTERS 00:00 – Intro: Revolutionizing Gymnastics 01:01 – HEADLINES Texas State Adds D1 Gymnastics 03:13 – Canadian Championships & Ellie Black 07:07 – Koper Cup Chaos 14:04 – Behind The Scenes: Sharks, Dysentery & Club Gym Nerd 16:32 –  Gymternet News: Texas Coach Indicted, DA looking for suvivors 17:38 – Simone Biles Is Still 50/50 21:18 – Ukrainian Gymnastics Protest Campaign 22:23 – Denver's Achilles Injury Research 24:09 – Florida's Singapore Tour 25:35 – Nadia's 50-Year Perfect 10 Celebration 26:54 – Michigan Men Get a New Facility 27:28 – Gymnaestrada Comes to Las Vegas 28:59 – New Pakistan Gymnastics Documentary 30:25 – 1984 U.S. Men's Team Documentary 33:08 – Iranian Women Win Historic Medal 33:47 – Melanie & Rebeca Return Updates 34:25 – Revolutionizing Gymnastics: How We Fix The Sport 34:45 – The Problem: The Best Gymnasts Never Compete 37:19 – Simone vs Rebeca: Only 5 Times in 9 Years 39:17 – When World-Class Athletes Get Left Home 42:06 – Why Federations Have Too Much Power 47:02 – Borrowing the Tennis Model 50:34 – Rankings, Injuries & Athlete Autonomy 54:24 – Wild Cards System 56:26 – Fixing Judging with Technology 58:26 – Make Scores Understandable 01:01:12 – Real-Time Skill Tracking & Data Visualization 01:01:39 – AR, AI & Digital-Twin Technology 01:03:29 – VR Front-Row Seats for Every Fan 01:09:01 – Alternative Broadcasts & Fan Engagement 01:14:06 – How Gymnasts Should Actually Get Paid 01:16:39 – Athlete Unions, Data Rights & Ownership 01:22:40 – The WNBA Model for Athlete Bio Data 01:24:38 – Designing the Perfect Competition System 01:27:12 – Turning Olympic Viewers Into Real Fans 01:34:15 – Listener Question: Biles I vs Dos Santos