Podcasts about borrowing

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.

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...

Welcome to New Zealand... land of earthquakes, stormy weather, and absolute natural beauty. Another reminder overnight of how shaky these isles can be. Hope everyone's alright this morning. It's always a bit hard to get back to sleep after a decent jolt and it sounds like you had one. We've always had storms, and damage from storms, in this country. But of late we've had more, more often, doing more damage, according to the insurance companies. We've got a bird with the flu in Petone, though it's not yet clear how that situation will play out poultry-wise. But it's, again, another reminder of threats to industry that we can't control. Like Foot and Mouth, which, if it took hold here, would be devastating. All of this is to say that there are a lot of things can go wrong in this country, and do go wrong, and often enough that it's actually quite predictable. We're top 10 countries for quakes. So, we need a buffer... need headroom for borrowing. With the election just around the corner, it's about time we heard from political parties on their debt limits. How much is too much? When will you get us back to surplus? What's your track record on actually doing that? Treasury tells us debt servicing is now the fourth-largest line item on the Government's books. Our annual interest bill? It was $3.6 billion in 2014. Now it's nearing $9 billion. If you look on a per household basis, it's tipped to be more than $5000 every year. In interest alone. Last night's quake, and the next storm, are nature's reminder of the need for fiscal discipline and plan to deal with them. See omnystudio.com/listener for privacy information.

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...

Outright theft Negligence Lending and borrowing

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.

Anxiety doesn't always show up when something goes wrong. Sometimes it hits hardest when nothing's happening at all. Sitting in the bunk at Ravensworth (Hunter Valley) with the UHF crackling and a two-hour wait ahead of me, my brain starts running wild, replaying mistakes that haven't happened, imagining consequences, and convincing me they're inevitable.In this episode I talk about catastrophising—that classic anxiety trap where your mind treats imagined disasters as reality. I explain why logic and CBT can help me realise there's no evidence for what I'm fearing, but often don't switch off the physical anxiety. When the situation is a one out of ten but your anxiety is sitting at a nine, that mismatch can make an ordinary workday feel unbearable.I also share one coping strategy that genuinely helps me: borrowing confidence from people I admire. Whether it's listening to someone like Stone Cold Steve Austin or reminding myself how they'd approach the situation, it can be enough to interrupt the spiral and keep moving forward.If you're living with anxiety, depression, or both, I hope this episode reminds you that you're not alone. If it resonates, I'd really appreciate you subscribing, leaving a rating, and sharing it with someone who might need to hear it.--Follow The Dysregulated Podcast: Instagram – @elliot.t.waters Facebook – The Dysregulated Podcast YouTube – The Dysregulated Podcast (Official Channel)Created by Elliot Waters — Inspired by lived experience. Mental health insights, real stories, real conversations.

Before you choose your next investment property, you need to know what you can actually afford to buy. In Part 1 of the two-part finale to the Examination stage of Bushy Martin’s Property W.E.A.L.T.H. Clock, Bushy tackles one of the biggest misconceptions in property investing: confusing borrowing capacity with buying power. Too many Australians start by asking “Where should I buy?” when the smarter first question is “What can I actually do?” Following the recent Federal Budget changes and ongoing uncertainty around negative gearing, capital gains tax, borrowing rules and investment structures, many investors are questioning whether they can still build wealth through property. Bushy explains why the answer starts with diagnosis—not property selection. This episode introduces the first two B.E.A.R. Facts that determine your real Property Purchase Price Power: Borrowings and Equity. You’ll learn why the bank’s biggest approval isn’t necessarily your smartest decision, why equity isn’t the same as wealth, and how understanding your true financial position creates a far stronger foundation for long-term investing. Whether you’re buying your first investment, looking to expand your portfolio, or simply trying to make sense of your options in today’s changing market, this episode will help you stop guessing and start making strategic decisions. In this episode you’ll discover: Why Examination is the most overlooked stage of successful property investing The difference between borrowing capacity and true buying power Why the bank’s biggest “yes” isn’t always your best strategy The Capacity Illusion that catches so many investors out Why equity is only valuable if it’s usable, structured and protected How to assess whether your equity is strategic or simply sitting on paper The first two B.E.A.R. Facts: Borrowings and Equity Why diagnosis must come before property selection How the Property W.E.A.L.T.H. Clock helps investors build wealth in the right order This is Part 1 of a two-part series. In the next episode, Bushy completes the B.E.A.R. Facts by exploring Affordability, Risk, and the crucial concept of Property Purchase Price Power—bringing together everything you need before choosing your next investment. If you’re serious about building lasting wealth through property, this is the place to start. FREE PROPERTY INVESTOR’S FIELD GUIDE How Should I Invest In Property Now? After months of post-Budget analysis, modelling and conversations with investors around Australia, Bushy has distilled the key insights into a practical guide designed to help you cut through the confusion and identify the opportunities that still exist for strategic property investors. Download your free copy here: https://bushymartin.com.au/fieldguide Take the next step with Bushy Personal Solutions Session Get clarity and personalised guidance: Book now Property W.E.A.L.T.H Program - live now! Be first to access discounts + free Module 1: Find out more https://courses.bushymartin.com.au/property-wealth Find your Freedom Formula Success in property starts with your 'why', and then the 'what' and 'how'. Let me, Bushy Martin, lead you through it! Sign up for my Freedom Formula program. The first session is absolutely free, and it only takes around an hour! Find out more https://bushymartin.com.au/freedom-formula-course Subscribe to Property Hub for free now on your favourite podcast player. Take the next step - connect, engage and get more insights with the Property Hub community at linktr.ee/propertyhubau Get property investment and wealth resources, and book a Personal Solution Session with Bushy. All the links and info are here: linktr.ee/propertyhubau About Get Invested, a Property Hub show Get Invested is the leading weekly podcast for Australians who want to learn how to unlock their full ‘self, health and wealth’ potential. Hosted by Bushy Martin, an award winning property investor, founder, author and media commentator who is recognised as one of Australia’s most trusted experts in property, investment and lifestyle, Get Invested reveals the secrets of the high performers who invest for success in every aspect of their lives and the world around them. Subscribe now on Apple Podcasts, Spotify and YouTube to get every Get Invested episode each week for free. For business enquiries, email andrew@apiromarketing.com. This content provides general information only and has been prepared without taking into account your objectives, financial situation or needs. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances.See omnystudio.com/listener for privacy information.

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?

The conversation gets deeper as David Novak joins Jeremy Lee and David Chase for a spirited discussion about sports cards as investments, generational attitudes toward risk, and whether collectors should view cardboard as part of a broader financial strategy. David shares his perspective on why some millennials are more willing to take calculated risks with their investment portfolios, sparking an engaging debate on retirement accounts, diversification, risk tolerance, and the role sports cards can play alongside traditional investments. Topics include: • Are sports cards legitimate investments?• Millennials and risk-taking behavior• Using hobby knowledge as an investment advantage• 401(k)s, retirement planning, and alternative assets• Why some collectors prefer blue-chip cards over prospecting• Vintage versus ultra-modern investing• The dangers of chasing hype• Mahomes, Ohtani, Trout, Judge, LeBron, Crosby, and long-term collectability• Bubbles within the hobby market• Why experience and time horizon matter Jeremy, David Novak, and David Chase bring different perspectives to one of the hobby's most debated topics: whether sports cards belong in an investment portfolio and, if so, how. Links & Resources • The Hobby Spectrum: https://thehobbyspectrum.com • Pops & Comps on Amazon • Fanatics Collect Affiliate Link • Share this episode with a fellow collector Sports cards is a lifestyle. Learn more about your ad choices. Visit megaphone.fm/adchoices

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

– Does borrowing on shares close the gap to leveraged property? – Should we take away pollies’ perks if they break promises? – Does the tax system disincentivise skilled immigration? See omnystudio.com/listener for privacy information.

Bubba Dub is back with another hilarious, unfiltered episode covering everything from sports and politics to relationships, fatherhood, and everyday life. This episode dives into the backlash surrounding Terence Crawford taking a photo with Donald Trump, why people need to stop judging others based on politics, and Bubba's thoughts on how celebrities and corporations use influence in today's culture.Plus:

In this episode of the Org Design Podcast, Amy Springer talks with Jacob Chase, founder of The Infin, about one of the hardest questions in org design: how do you fairly value what a person actually contributes? Drawing on his background as an investment banker and hedge fund investor — and his experience scaling a 150-person, $30M real estate business — Jacob shares how a single underpaid 'rock star' employee sparked his search for a better way to measure impact. The answer came from an unexpected place: the stock market. Jacob explains how he built an internal 'market' for attributing credit, where every team member's peer feedback aggregates into a live, dynamic picture of contribution. The result is a more credible, less political, and more transparent approach to performance — one that decentralizes accountability, surfaces hidden leadership (and hidden problems), and ultimately connects each person's contribution to fair compensation. 00:00 Welcome & introducing Jacob Chase (The Infin) 00:19 From Wall Street to org design 01:34 Investor vs. operator: why people drive returns 04:10 Transferable skills from Wall Street: thoroughness & rigor 05:29 The underpaid 'rock star' and the problem of measuring contribution 07:07 How a broader impact became visible 08:37 Why the classic HR review model falls short 09:30 Borrowing from stock markets: a market for value 11:26 Decentralizing accountability & removing politics 12:47 Surfacing hidden leadership and underperformance 15:22 Smoothing performance anxiety in an uncertain world 19:42 Connecting contribution to the 'pie' and compensation 21:54 Who brings this to their org (CEO-led) 22:43 Final thoughts: get people the right inputs The Org Design Podcast https://www.functionly.com/org-design-podcasthttps://www.linkedin.com/company/orgdesignpodcast/ Functionly https://www.functionly.com /https://www.linkedin.com/company/functionly/

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?

"I'm convinced that these experiences that we have, where we feel so alone, that there's a huge portion of the rest of the world who's feeling the exact same way at any given time. And it's so important to see those things reflected so that we just don't feel like there's something wrong with us." — Anne H. Putnam ABOUT THIS EPISODE Anne H. Putnam is a writer, editor, and teacher with an unending interest in the stories that shape our humanity. Her first memoir, Navel Gazing: One Woman's Quest for a Size Normal, was published in the UK and Commonwealth after she wrote it as part of a master's degree in creative nonfiction — never imagining it would actually be published. Her latest, Make Do and Mend: A Breakup Memoir, explores love, loss, and self-discovery with raw honesty and humor. It's the story of the end of her seven-year relationship and first engagement — a breakup that propelled her into therapy, across an ocean, and through a decade of emotional excavation before the book finally found its shape. After years of agents who loved it but couldn't figure out how to sell it, Anne chose to self-publish — and put serious investment into making the book indistinguishable from a traditionally published title. Mike and Anne talk about backing into a publishing deal at 28, writing 200,000 words before finding the right 80,000, the courage (or compulsion) behind vulnerability on the page, pushing back on editorial feedback, the stigma of self-publishing, and why the compost pile is a writer's best friend. KEY TAKEAWAYS 1. Nothing is wasted — it all goes on the compost pile. Every word you write that doesn't make it into the final book becomes fertile ground for what comes next. Anne wrote 200,000 words before landing on the 80,000 that became Make Do and Mend. 2. Vulnerability isn't courage — it's compulsion. Anne doesn't experience sharing her story as brave. She has an unquenchable thirst for being understood, and memoir is the form that lets her explain herself fully. The vulnerability is the point, not the obstacle. 3. Structure helps, but free-falling teaches you something too. Her first book was written in a master's program with deadlines, workshops, and authority figures. The second was just her, alone, for a decade. Both approaches produced books — but the unstructured path required far more trust in the process. 4. You can push back on your editor. Anne's editor wanted her to be meaner about her ex. She resisted, choosing instead to present situations and let readers draw their own conclusions. Your name is on the cover — make choices you can stand by. 5. Traditional publishing is driven by capitalism, not quality. Agents and editors loved Anne's work but didn't know how to package or market it. Once your writing clears the "good enough" bar, the rest is about what publishers feel is safe to sell — something outside your control. 6. Self-publishing is a legitimate path. Anne invested in professional editing, a book coach, and a quality cover to ensure no reader would know the difference. The goal isn't sales volume — it's connection with readers who need the book. 7. It counts. Borrowing from her swimming routine: if you got in the swimsuit, it counts. If you got to the parking lot, it counts. Building the routine — showing up — matters more than any single session's output, especially for writers with ADHD. GET THE BOOK Make Do and Mend: A Breakup Memoir by Anne H. Putnam Buy on Amazon: https://a.co/d/0i6jjwZu Buy on Bookshop.org: https://bookshop.org/p/books/make-do-and-mend-a-breakup-memoir-anne-h-putnam/357d18d27975bf58 CONNECT WITH ANNE Website: https://www.annehputnam.com Instagram: https://www.instagram.com/ahputnam/ Facebook: https://www.facebook.com/annehputnam Substack: https://annehputnam.substack.com/ CONNECT WITH YOUR HOST Mike Carlon | Uncorking a Story Website: https://uncorkingastory.com/ YouTube: https://www.youtube.com/@uncorkingastory Instagram: https://www.instagram.com/uncorkingastory/ Facebook: https://www.facebook.com/uncorkingastory TikTok: https://www.tiktok.com/@uncorkingastory Twitter/X: https://twitter.com/uncorkingastory LinkedIn: https://www.linkedin.com/company/uncorking-a-story/ SUBSCRIBE & LEAVE A REVIEW — It helps more readers and writers find the show! Apple Podcasts: https://podcasts.apple.com/us/podcast/uncorking-a-story/id563636205 Spotify: https://open.spotify.com/show/5HZiAEtFlhAzk60Z4eAkhY RSS Feed: https://feeds.megaphone.fm/uncorkingastory Uncorking a Story is produced by Mike Carlon. New episodes drop every Tuesday. YOUTUBE HASHTAGS #MakeDoAndMend #AnneHPutnam #BreakupMemoir #SelfPublishing #MemoirWriting #WritingProcess #Vulnerability #CreativeNonfiction #NavelGazing #BodyImage #IndieAuthor #WritingCommunity #AuthorInterview #BookPodcast #UncorkingAStory #WriterLife #SelfPublishedAuthor #Heartbreak #Healing #NonfictionBooks #BookRecommendations #WritingAdvice #IndiePublishing #WomenWriters Learn more about your ad choices. Visit megaphone.fm/adchoices

In This Episode: In this deeply personal installment of the Achieve Results NOW! Podcast hosts Mark Cardone and Theron Feidt lift the curtain on a cornerstone principle of high performance: how true achievers cultivate unshakeable drive. Inspired by a classic "Weekly Wisdom" lesson from the dojo that hasn't been shared in fifteen years, this episode tackles a raw truth that many leaders face but rarely admit—even seasoned black belts don't wake up feeling driven every day. Success isn't a passive state of drifting; it is an active system of intent, discipline, and intentional conditioning. Drawing from their lifelong partnership in business and martial arts, Mark and Theron lay out a powerful, practical framework to help you stop waiting for motivation, audit your habits, and build an unshakeable roadmap for constant improvement. Key Frameworks & Action Steps Action Step 1: Define What Excellence Looks Like for You When momentum stalls, it is rarely a lack of baseline capability—it is a lack of a clear, challenging target. Achievers never allow themselves to drift into progress by accident; they design it. Excellence Over Perfection: Reject perfectionism completely, as it is an unattainable metric that breeds procrastination. Instead, define what a standard of excellence looks like for your specific baseline today. Set Goals That Demand Growth: True drive is generated by the thrill of the chase. Set specific targets that are intentionally scary enough to stretch your mental and physical boundaries. Establish External Leverage: Do not keep your targets trapped in your head. Write them down clearly and make concrete, public promises to people you respect. Forcing social pressure onto your goals converts a passive "should" into an unshakeable, daily "must." Uncover the "Why": Identify what your achievement actually represents. Look past surface-level awards or titles and anchor your motivation to the core character development you are striving to build. Action Step 2: Intentionally Train the Three Pillars Drive is a muscle that must be methodically conditioned through structured daily action. The hosts break down three mission-critical pillars to anchor your performance: Sharpen Your Skills (The Top Three Rule): Be fiercely deliberate about your professional and personal development. Identify the top three specific skills you need to improve to advance. Avoid a list of ten items, which triggers overwhelm, or a single item, which invites delay. Three is the magic high-performance number. Commit to refining those top three choices through repetition and targeted effort every single day. Strengthen Your Will (The Mindset Muscle): Discipline is a muscle trained on your absolute worst days. It is effortless to execute your habits when you wake up feeling highly motivated, but true high performers exercise their will on the days they are sore, tired, or uninspired. Stand guard at the door of your mind and violently shield your will from external negativity or limiting beliefs. Elevate Your Conditioning (The Energy Foundation): Biological performance dictates mental agility. When your body is fatigued and your physical conditioning drops, your emotional and mental focus immediately fracture—causing you to snap at your team or make reactive choices. The State Check: Train your mental response mechanism to treat disruptions as data rather than crises. Theron shares a raw example of his son's car breaking down at 8:00 PM on a Sunday thruway, requiring a midnight tow. By maintaining high mental conditioning, they reframed the frustration into a blessing—ensuring the vehicle was fully repaired and safe before a major summer move to North Carolina. Action Step 3: Refuse to Accept Your Current Level as Your Final Level Fulfillment belongs exclusively to those who choose to live in a state of continuous, never-ending growth. Stagnation is the silent killer of both businesses and relationships. Reject Mediocrity as a Destination: Refuse to tolerate complacency in any area of your life. Turn a critical eye to your health, your workplace, and your family daily. Continually ask yourself: "What is one single thing I can make slightly more fluent or improve today?" Act on that answer immediately. Embrace the Grind with Tenacity and Gratitude: Reframe the daily process from an obligation into a journey. Borrowing a timeless truth from actor Henry Winkler (The Fonz), anchor your timeline with a dual focus on Tenacity to keep pushing through bumpy, difficult steps, paired with deep Gratitude to actively celebrate incremental process milestones along the way. "Achievers don't drift toward success. It takes work, it takes systems, and it requires you to actively refuse to let your current baseline be your final destination. Pick one step and execute now." Links & Resources Mentioned in This Episode Download Your Free Guide: Head over to Achieve Results NOW! to claim your free copy of our action-oriented handbook, Ignite Results: 4 Easy Steps to Measurable Results in 30 Days! Connect with the Team: Join a global network of focused, high-performing achievers on Facebook at facebook.com/achieveresultsnow. Archives & Deep Dives: Missed last week's framework on boundary filters and identity-driven success? Make sure to go back through our archive and stream Episode 504 (Making Better Excuses) and Episode 505 (Building a Life You Don't Need a Vacation From) to keep your momentum surging forward! Thank you for listening, commenting, and subscribing. Now get out there and achieve results NOW! ARN Suggested Reading: Blessings In the Bullshit: A Guided Journal for Finding the BEST In Every Day – by Mark Cardone & Theron Feidt https://www.amazon.com/Blessings-Bullshit-Guided-Journal-Finding/dp/B09FP35ZXX/ref=sr_1_1?dchild=1&keywords=blessings+in+the+bullshit&qid=1632233840&sr=8-1 Full List of Recommended Books: https://www.achieveresultsnow.com/readers-are-leaders Questions? 1.   Do you have a question you want answered in a future podcast? 2.   Go to www.AchieveResultsNow.com to submit. Connect with Us: Get access to some of the great resources that we use at: www.AchieveResultsNow.com/success-store www.AchieveResultsNow.com www.facebook.com/achieveresultsnow www.twitter.com/nowachieve Thank you for listening to the Achieve Results NOW! Podcast.  The podcast that gives you immediate actions you can take to start seeing life shifting results NOW!

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.

Known to millions as Mrs. Moneypenny from her 16 year Financial Times column, Heather has been an investment banker, executive search entrepreneur, Edinburgh Fringe performer, off Broadway actress, PhD holder, chartered accountant and now Provost of Heriot-Watt University Dubai, overseeing 5,500 students and 600 staff. She qualified as a chartered accountant three weeks before her 60th birthday. She borrowed £1.8 million personally to buy a business, then gifted it to her staff. She co-founded the 30% Club when women held just 12% of FTSE board seats. It is now 45%.  This conversation covers all of it. Why she rejects guilt and regret as wasted emotions. What structural barriers actually stop women from getting ahead and how to dismantle them. Why Dubai's greatest advantage is not the skyline but the connectivity and free movement of capital and labour that Europe has quietly forgotten. And what she really thinks about the value of a university degree.  Heather also shares the story behind the Taylor Bennett Foundation, built to help Black and minority ethnic graduates break into professional services, funded from her own dividends, and the moment she knew it was working.    Timestamps:  0:00 Four failed engagements, a baby to feel anchored, and the unvarnished truth about having children  5:30 The queen of reinvention: why preparation meets opportunity and how Heather built her career in layers  7:11 Her one regret: not qualifying as an accountant sooner and why she finally did it at 59  11:19 Dubai versus Singapore versus Hong Kong: what makes this city different from every other global hub  15:46 Living through the missile attacks, what inflation and food security really look like from the inside, and who has barely noticed  21:18 Structural barriers, the 30% Club, and why three women in a room of ten changes everything  27:01 Borrowing £1.8 million, building Taylor Bennett, and then giving it all away  33:49 Mrs. Moneypenny: 16 years, 800 columns, and the barometer story that almost ended her career  39:25 The Taylor Bennett Foundation and why she measures success by impact not money  43:44 Selling out Edinburgh Fringe and performing off Broadway: the chapter nobody expected  52:22 Heriot-Watt Dubai: why they only teach subjects that lead to jobs and what universities are actually for  59:06 Entrepreneurship, incubators and why she finds young people today far more ambitious than her generation  1:01:24 Why she hates the word networking and what building social capital actually means  1:04:09 Quickfire: the best way into investment banking, what every future leader needs, and what Dubai understands that Europe has forgotten    Follow Spencer Lodge on Social Media  https://www.instagram.com/madeindubaipodcast/?hl=en  https://www.facebook.com/profile.php?id=61586194260076  https://www.instagram.com/spencer.lodge/?hl=en  https://www.tiktok.com/@spencer.lodge  https://www.linkedin.com/in/spencerlodge/  https://www.youtube.com/c/SpencerLodgeTV  https://www.facebook.com/spencerlodgeofficial/ 

The Break Room (THURSDAY 6/11/26) 7am Hour 1) If you're here to argue that this is just a money grab, there is some evidence that proves otherwise 2) Borrowing? Or Stealing? 3) A million dollars well spent

Seamus Coffey, chair of the Irish Fiscal Advisory Council discusses their latest report which warns that spending is growing faster than the sustainable growth rate of the economy.

Debt is not automatically dangerous. Used correctly, it can become leverage. In this episode of The Level Up Podcast, Paul Alex breaks down the difference between bad debt that traps you and strategic debt that helps you scale faster. Let's be real… Borrowing money to buy liabilities is dangerous. But borrowing money to acquire assets… Fund growth… Deploy infrastructure… Or generate recurring revenue… That can become a powerful business weapon. In this episode, you'll learn: Why consumer debt and business leverage are not the same thing How strategic capital can accelerate growth Why waiting to scale only with cash can slow your expansion How to use borrowed money responsibly to create returns The truth is simple: Debt is not the enemy. Bad math is. If you borrow money with no plan… No return… No system… And no discipline… You are building a trap. But if you understand the numbers… Deploy capital into assets… And generate returns that outperform the cost of borrowing… You are using leverage like a real operator. Most people fear debt because they do not understand it. High-level entrepreneurs learn how to command capital. They use it to buy speed. They use it to expand faster. They use it to build assets that pay them back. Stop being afraid of money. Learn the math. Use leverage wisely. And keep leveling up. Your Network is your NETWORTH! Make sure to add me on all SOCIAL MEDIA PLATFORMS: Instagram: https://jo.my/paulalex2024Facebook: https://jo.my/fbpaulalex2024YouTube: https://www.youtube.com/channel/UCGhDAD1JyGGzSQUPD9lc9HQLinkedIn: https://jo.my/inpaulalex2024 Looking for a secondary source of income or want to become an entrepreneur? Check out one of my companies below to see if we can help you: www.CashSwipe.com FREE Copy of my book “Blue to Digital Gold - The New American Dream”www.officialPaulAlex.com Learn more about your ad choices. Visit megaphone.fm/adchoices

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What really drives lending cycles, and why do they always seem to end the same way? Lance Roberts and RealFin Capital founder, David Zugheri, break down how credit is created, why risk builds beneath the surface, and what happens when underwriting standards begin to loosen. From the origins of the RTC to today's lending environment, we explore the structural forces that shape booms, busts, and the transfer of wealth across the economy. We also dig into the evolution of housing, the growing risks in multi-family real estate, and the unintended consequences of regulation on credit availability. Through the RealFin story and real-world experience in esoteric lending, we highlight what separates success from failure in volatile cycles, how liquidity disappears when it's needed most, and why being battle-tested matters. If you want to understand why there's rarely a "soft landing" in lending—and what that means for investors and business owners—this episode connects the dots. 0:00 - INTRO 2:11 - Building a Business During Business Cycles 5:35 - How We Got the RTC 7:16 - Risk is like Stretching 9:22 - The Beginning of the End 12:15 - The Two-trick Pony: Lower Rates or Loosen Underwriting 13:39 - There's no such thing as a soft landing in lending 14:06 - We loan money into existence 15:13 - Lending, Borrowing, & Redistribution of Wealth 19:54 - Capitalism is Not Broken 21:31 - Dodd Frank Killed the American Spirit 24:13 - The Different Flavors of Lending (Ass National Bank) 26:08 - It has Always Been Expensive to Buy a House 29:00 - When Asset Prices Get Out of Control 30:52 - The Evolution of the Housing Market, Problems in Multi-family Real Estate 32:09 - The RealFin Story - Esoteric Lending 34:33 - Regulation-induced Lending Restrictions 36:51 - The Difference Between Success & Failure in a Business 39:56 - When You Get Yourself in Trouble... 40:58 - The RealFin REIT - We eat our own dog food 44:43 - Being Battle-tested 46:01 - The Liquidity Issue 50:17 - Getting in Touch w RealFin 52:48 - The Most Powerful Force in the World 57:54 - Mistakes We've Made Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch today's video of this show here: https://youtube.com/live/tf2oAMpTArA ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #LendingCycle #RealEstateRisk #CreditMarkets #HousingMarket #FinancialSystem

Most of biotech runs on a tiny handful of "model" organisms — E. coli, baker's yeast — while millions of wild species sit unstudied in what scientists call microbial dark matter. In this episode, Karl and Erum sit down with Henry Lee, co-founder of Cultivarium, to explore why the future of synthetic biology depends on learning to grow, study, and engineer the organisms we've ignored. Henry breaks down the real difference between model and non-model organisms, why simply culturing a new microbe can take years, and how Cultivarium is standardizing growth recipes and building an open digital platform so any researcher can work with strains that were once impossible to handle. Along the way: a fistulated cow, a spectacular failure that ultimately cracked the genetics of cement-making bacteria, extreme microbes that could free fermentation from fresh water, and Cultivarium's evolution from a Focused Research Organization into a "Frontier Research Contractor." The conversation closes on the state of American science — funding, public trust, and AI — plus the America's Living Library Act and a quick-fire round on archaea, overused buzzwords, and whether we're alone in the universe. Before the interview, Karl and Erum spill some biotech tea on "Biotech Barbie" Cathy Tie and unpack what the video game Stray gets right about engineered microbes escaping into the wild.Grow Everything brings the bioeconomy to life. Hosts Karl Schmieder and Erum Azeez Khan share stories and interview the leaders and influencers changing the world by growing everything. Biology is the oldest technology. And it can be engineered. What are we growing?Learn more at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.messaginglab.com/groweverything⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Chapters:(00:00:00) — Summer vibes & a little biotech gossip: meet "Biotech Barbie"(00:07:42) — What a video game about a lost cat teaches us about runaway microbes(00:12:38) — How Henry went from building circuits to falling for biology(00:16:25) — So what actually is a "non-model" organism?(00:22:30) — Yes, we really talk about a cow with a window in its stomach(00:25:40) — Step inside Cultivarium: incubators, recipes & happy accidents(00:33:35) — Borrowing nature's best ideas: fungi, archaea & glowing jellyfish(00:39:15) — The failure that taught us everything (a cement-making bacteria story)(00:43:45) — Could the ocean fuel the future of fermentation?(00:48:45) — Real talk: science funding, public trust & the promise of AI(00:53:25) — Reinventing how big science gets funded — and a library of life(01:00:10) — Dream organisms, pet-peeve buzzwords & "are we alone?"(01:05:55) — Karl & Erum unpack their favorite momentsLinks and Resources:CultivariumBiosphere Project27. Charting the Unexplored Microverse for Biological Gold with CULTIVARIUM's Nili Ostrov147. Shhh…They're Talking: Holoclara's Dr. Andrea Choe Tunes Into Worm Signals for Health98. Gotta Get Them All: bitBiome's Quest to Decode All Microbes with Yuji Suzuki183. The American Biotech Blueprint: Senator Todd Young on Biodiversity as National SecurityKathy Tie Biotech Barbie Gene EditingStray - A Synthetic Biology Video GameBioInnovations Events - For 25% off use code: Grow EverythingTopics Covered:non-model organisms, microbial dark matter, model organisms, Cultivarium, industrial biotechnology, microbial engineering, DNA repair, CRISPR, fermentation, frontier research contractorHave a question or comment? Message us here:Text or Call (804) 505-5553⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠ / ⁠⁠⁠⁠⁠⁠⁠⁠Twitter⁠⁠⁠⁠⁠⁠⁠⁠ / ⁠⁠⁠⁠⁠⁠⁠⁠LinkedIn⁠⁠⁠⁠⁠⁠⁠⁠ / ⁠⁠⁠⁠⁠⁠⁠⁠Youtube⁠⁠⁠⁠⁠⁠⁠⁠ / ⁠⁠⁠⁠⁠⁠⁠⁠Grow Everything⁠⁠⁠⁠⁠⁠⁠⁠Music by: Nihilore Production by: Amplafy Media

Today we revisit a topic we last discussed in a 2020 podcast with Laura Mosqueda: elder mistreatment.  Our guests today are geriatricians Carrie Rubenstein and Julia Hiner, and Tony Rosen, an emergency medicine doctor. They talk about where we are now, in 2026, with elder mistreatment, including: Terminology: elder mistreatment vs. abuse and neglect The need to incorporate prevention and solutions into how we talk about mistreatment This is not rocket science. Studying elder mistreatment is much harder than rocket science. Highlighting the reasons they focus on elder mistreatment, including inspiring words for why this led them to geriatrics and aging research Should we screen for elder mistreatment? The US Preventive Services Task Force doesn't see enough evidence to recommend screening. Our guests may differ… Which clinicians should assess for elder mistreatment? Hospitalists? ED docs? Primary care providers? Tony published a study in JAGS showing older adults who experienced elder mistreatment were as likely to visit primary care as those who did not, also great accompanying editorial by Mara Rosenberg and Lena Makaroun gets a shout out. Early evidence that supporting caregivers can reduce elder mistreatment (in one small study of the COACH intervention, rates of mistreatment were reduced to zero) Borrowing from pediatrics: many/most hospitals and emergency departments can call a Child Protective Services Team. Tony is piloting a parallel team for older adults - the Vulnerable Elders Protection Team (see JAGS paper).   We talk about key members of interdisciplinary teams across sites, systems, and counties. Social workers get a big shout out. A one year fellowship in capacity assessment and elder mistreatment at UT Houston, directed by Julia. An Elder Abuse Curriculum for Medical Residents and Geriatric Medicine Fellows https://pmc.ncbi.nlm.nih.gov/articles/PMC10842324/ Kudos to my son Renn for recording 5 overlapping cello parts on Eleanor Rigby! -Alex Smith  

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  

Don and Tom tackle a Wall Street Journal financial decision-making quiz that explores how to prioritize competing goals such as retirement savings, high-interest debt, mortgages, and student loans. The discussion highlights the importance of employer matching contributions, the damaging impact of credit card debt, and the reality that many financial decisions depend on individual circumstances and risk tolerance. They then answer listener questions about retirement portfolio allocation, Fisher Investments' sales tactics and fees, stock ownership concentration among wealthy Americans, and whether a federal retiree should consolidate TSP assets into a Vanguard IRA. The episode emphasizes building a financial plan before making allocation changes, avoiding market predictions, and simplifying finances where possible.0:00 Wall Street Journal financial decision-making quiz begins1:23 Prioritizing 401(k) matches versus high-interest debt4:31 When to pay down credit cards instead of investing more5:20 Borrowing from a 401(k) to eliminate 22% credit card debt6:07 Mortgage payoff versus other debt reduction strategies7:55 Mortgage prepayment versus additional retirement savings9:35 Building a hierarchy for financial priorities11:07 Listener Bob asks about retirement readiness and portfolio allocation13:02 Fisher Investments' fees, sales tactics, and active management claims16:15 Why retirement planning should come before allocation decisions19:40 Stock ownership concentration among the wealthiest Americans22:03 Why markets are not a zero-sum game23:51 Will retiring Baby Boomers hurt stock prices?25:52 Listener asks about consolidating TSP and Vanguard retirement accounts29:18 Comparing Vanguard and TSP target-date fund allocations31:57 Benefits of simplifying and consolidating retirement accounts35:06 Don discusses sales and distribution of The Line UncrossedQuestions? Comments? Click!

What makes a story feel truly mythic? Many writers assume mythic fiction comes from borrowing archetypes, retelling old myths, or layering symbolic imagery into a story. While there is immense value in studying mythology, fairy tales, folklore, and archetypal storytelling traditions, something important has been lost in many modern conversations about mythic fiction. The old myths aren't powerful merely because of their plot structure or symbolism. They are powerful because they emerged from their creator's living relationship with symbol, transformation, mystery, dream, and the deeper psyche. In this episode, I explore: •    Why so much modern "mythic storytelling" can feel strangely hollow  •    The difference between inherited myth and living myth  •    Why writers often approach archetypes from the outside in  •    How mythic resonance actually emerges in story  •    Why mythic storytelling matters during times of cultural transformation  •    How writers can reconnect to the symbolic imagination itself  What if the role of the writer is not simply to preserve mythology, but to participate in it? If you've ever wanted to write stories that feel more resonant, symbolic, emotionally alive, or spiritually meaningful, this episode explores the deeper source from which mythic fiction arises. 02:45 How Modern Writers Understand Mythic Fiction and Archetypal Storytelling 03:58 The Mythological and Folk Tale Lens for Mythic Fiction 04:32 The Anthropological & Psychological Lens for Mythic Fiction 05:10 Pop Culture & the Mythic Retelling 06:27 Studying Myth vs. Writing Mythic Fiction 09:03 Borrowing vs. Accessing Symbols 11:17 Inherited Myth vs. Living Myth 12:16 Mythic Fiction in Cultural Times of Transformation 13:43 Our Relationship to the Old Stories Grows Thin 14:55 Mythic Fiction Requires the Partnership of Intuition and Intellect 16:11 Mythic Fiction Reconnects Writers to the Deep Source of Story 18:38 The Need for New Myths in a Changing World 20:15 New Myths, Ancient Roots 21:15 Participating in Myth as Much as Preserving It 21:59 Reconnecting to Myth in Your Own Writing Process Read the transcript: https://helpingwritersbecomeauthors.com/how-to-write-mythic-fiction LINKS & RESOURCES Want More? This conversation connects deeply to my class Alchemizing Plot, Character, & Theme: https://kmweilandstore.com/b/plot-character-theme-class In this masterclass, I explore how plot, character, and theme act as one cohesive symbolic structure capable of creating stories with emotional resonance, narrative momentum, and deeper thematic meaning. We'll talk about: •    Aligning inner and outer arcs  •    Creating stories that feel alive from the inside out  •    Integrating plot, character, and theme organically  •    Writing stories with greater depth and cohesion