Podcasts about Business Insider

The episode centers on a structural shift driven by the falling cost of AI-assisted insight extraction and its impact on how buyers assess technology providers. Referencing companies such as OpenAI and Google, as well as research from the AI Revenue Institute and Gartner, Dave Sobel highlights how lowered model prices enable automated systems to rapidly analyze vendor documentation and shape procurement decisions, fundamentally changing the basis of competition from persuasion to transparent, retrievable data. A recent AI Revenue Institute study, as cited by Dave Sobel, found that over half of surveyed decision-makers had removed a vendor from consideration after an AI assistant highlighted a documented shortcoming. Simultaneously, OpenAI and Google have reduced their top-tier AI model pricing, with OpenAI dropping costs by more than 20% and Google offering a temporary 50% cut before reverting. Analysis from TD Cowen and Business Insider shows that such price cuts have driven up both usage and revenue, with OpenAI's low-cost models experiencing a 14-fold usage increase post-reduction. These developments are reinforced by Gartner's identification of the “inference paradox,” where greater AI capabilities and lower per-query costs actually raise overall spend due to increased volume and complexity of tasks. Supporting data includes Google's reported 50x annual increase in tokens processed and a Deloitte case of a healthcare provider with unplanned AI costs rising as much as 3x in a year. Alongside this, Pew Research identifies that a third of new web content on commercial sites is machine-generated, leading platforms like LinkedIn to introduce AI-detection and downranking measures. For MSPs and IT leaders, the implications are direct. Automated buyer research now prioritizes concrete, extractable data over marketing language; any absence or non-disclosure—especially around pricing—can result in removal from consideration without notice. Publishing specific, measurable facts (service boundaries, pricing logic, response times with dates) increasingly determines whether a provider is surfaced or omitted by AI agents assembling comparative analyses. Failure to clearly define offerings and exclusions results in unfavorable inferences or comparisons, increasing operational risk and transfer of accountability away from the provider. 00:00 The Buyers Brought a Machine 03:45 Cheaper Made It Bigger 06:49 Your Website Is a Deposition 10:06 Why Do We Care? Supported by: Proofpoint HaloPSA

Join our upcoming live event at GREwebinars.com. It's called "The Seven Figure Solution" on August 27th at 8 PM Eastern. After listening to me for 12 years, learn how to finally put it all together for a coordinated, tax-efficient retirement and wealth plan.  Keith debunks alarmist predictions of an 80–95% housing crash and explains why inflation, constrained supply, and strong demand continue to put upward pressure on home prices.  He breaks down key trends in renter mobility, highlights how the AI boom is driving record-breaking rents in San Francisco, and contrasts "dopamine culture" and money maxing with GRE's philosophy of growing one's means through income property and leverage.  Keith also discusses how the Seven-Figure Solution framework helps real estate investors more effectively integrate properties, taxes, insurance, and retirement planning.  Episode Page: GetRichEducation.com/620 For access to properties or free help with a GRE Investment Coach, start here: GREmarketplace.com GRE Free Investment Coaching: GREinvestmentcoach.com Get mortgage loans for investment property: RidgeLendingGroup.com or call 855-74-RIDGE  or e-mail: info@RidgeLendingGroup.com Invest with Freedom Family Investments.  For predictable 10-12% quarterly returns, visit FreedomFamilyInvestments.com/GRE or text  FAMILY to 66866  Join Mid South Home Buyers' one-time, free live webinar featuring Keith Weinhold on September 30 at GetRichEducation.com/MidSouth to learn how Memphis' economic expansion could create new real estate investment opportunities, and have your questions answered in real time. Will you please leave a review for the show? I'd be grateful. Search "how to leave an Apple Podcasts review"  For advertising inquiries, visit: GetRichEducation.com/ad Best Financial Education: GetRichEducation.com Get our wealth-building newsletter free— GREletter.com  Our YouTube Channel: www.youtube.com/c/GetRichEducation Follow us on Instagram: @getricheducation Complete episode transcript:   Keith Weinhold  0:01   Welcome to GRE. I'm your host Keith Weinhold. An alarmist calls for a housing price crash of 80 to 95 percent. We'll listen to it. This city's rents are up 26 percent annually. The rise of dopamine culture and money maxing has made its way into personal finance. Then an invitation to join us for a special event today on Get Rich Education.   Keith Weinhold  0:29   What if I told you that one of America's strongest cash flow real estate markets is also becoming the new brains and brawn behind AI? That city is Memphis, believe it or not. In September 30th, we're going to show you why the smart money is paying attention now, along with an investing opportunity you won't want to miss. Join me, Terry Kerr and Matthew Van Horn of Mid South Homebuyers, the largest turnkey company in Memphis with more than 6,000 homes under management, for a free live webinar, the likes of which I've never done before. We're going to look at what billions in new investment could mean for jobs, housing demand, neighborhood appreciation, and your portfolio. Everyone who attends live will also get exclusive access to the best deal terms MidSeal has ever offered. Reserve your free seat at getricheducation.com/midsouth. Again, that september 30. Don't say we didn't tell you. Save your spot at getricheducation.com/midsouth.   Speaker 1  1:35   You're listening to the show that has created more financial freedom than nearly any show in the world. This is Get Rich Education.   Keith Weinhold  1:51   Welcome to GRE from Naples, Italy, to Naples, Florida, and across 188 nations worldwide. You're listening to one of America's longest-running and most listened-to shows in the real estate world. This is Get Rich Education, and I'm Keith Weinhold. Yes, the very founder of this snaggle-toothed operation right here. I'm a longtime real estate investor myself, erstwhile writer for both Forbes and the Rich Dad Advisors, serving on the Forbes Real Estate Council, you can also see my work in the USA Today and Business Insider. I'm the creator of Real Estate Pays Five Ways and the Inflation Triple Crown. Oh, after all that, really, I'm just a shaved mammal with slack jaw, a highly leveraged hominid of the landed gentry, right before I discuss the housing price crash of 80 to 95% you know, keep in mind that most people think that if you're in real estate, then you've got to be either a realtor or a landlord. I am neither a realtor nor a landlord. People also think that it takes tons of money. It does not. Now you could pursue no money down strategies, but that takes some time to learn and skill to develop. Now I was a landlord in the early years of my real estate investing, but after about six years of that, I hired a property manager and never looked back. Therefore, keeping this mostly passive, a 20 to 25 percent down payment on a carefully selected residential rental property includes ones that today can still have purchase prices below 200k. That's purchased in a geographically investor advantaged market. Okay, that is the center of what we do here because when you own property this way, now you've got the margin where you can pay a property manager to enjoy the five ways that you're paid mostly passively. Be a savvy borrower.   Keith Weinhold  4:02   Now, when you're between deals and accumulating capital to add the next piece of property to your rental portfolio, that's where you can flip and do the opposite in the short term and be a real estate lender for perhaps an eight to 10% stable return. That's what I do, rather than getting three and a half percent, which is the going rate today in a high yield savings account. So be a lender between deals in the short term, or you're a savvy borrower long term. Now the late analyst at Housing Wire, and he was also a past guest here on the show, Logan Modashami, he brought this 80 to 95% housing price crash media piece to my attention. It's in the form of a meta reel that got a lot of attention. Let's play it. I mean, this type of nonsense circulates out. It's not founded on anything substantive, and this just absolutely does not serve anybody. You've got to take this type of thing as entertainment, but it's being presented in a serious, informative way, and just listen to the basis for the claim.    Hayden Weston  5:19   The United States housing market is about to collapse 80 to 95 percent, which means that homes that were worth 1.5 million are going to be worth 300,000. The reason is simple: the U.S. housing market has reached its most unaffordable level in history. People cannot afford to buy homes, and if people cannot buy homes, the market must correct. The question is how hard the market is going to crash, not if it will. According to CPI and price history data, this is predicted to be worse than the 2008 housing bubble. We are going to see prices drop 80 to 95 percent.   Keith Weinhold  6:02   A housing price collapse of 80 to 95 percent. This is from a platform called Hayden Trades. It has got to be the worst example of trying to steal attention rather than serving people. Gosh, don't even make 20% or 50% crash predictions anymore go for far higher, I guess. He says it is according to the CPI and price history data. This doesn't even make sense. Now the low affordability mentioned that part is true, and this is what's slowed home price appreciation. But here in the late 2020s, there was more upward pressure on home prices, not downward inflationary pressure, which is rampant. That is poised to raise replacement cost because a home is a bundle of land, labor, lumber, concrete, copper, and energy. America's best job markets face land and regulatory constraints that pressures prices upward, and regulations are not easily repealed either. There's a large reservoir of sideline buyers that still want to own, and single-family home construction is woefully insufficient, keeping the supply down. Indeed, there is more upward pressure on home prices, not downward. This coming inflation wave, that's exacerbated by war, is unfortunately, or fortunately, if you're positioned, it's poised to widen the K-shaped economy where winners win bigger and losers lose more. The boat is leaving the dock. Are you on it?   Keith Weinhold  7:54   The distance between the boat and the dock just keeps increasing, and eventually you won't be able to make the leap, the jump from the boat to the dock. Now, in the near term, because we're approaching the fall season, when you hear stats about median home prices, note that prices are lower in autumn and winter than they are in spring and summer. It happens pretty much every year. Now, why is this? Well, one reason is that a lot of people don't think about is simply the fact that smaller houses get sold in the winter compared to the summer. And why would this be? This is because families with school-age children who need larger homes get their deals done in summer months before school starts. That is one reason why median home prices are higher in the summer than they are in the winter. When you look at a long-term price chart of homes, this is why you see peaks each summer and dips each winter. Now, investors like us. Now we're not buying so much for school-age children considerations, but this phenomenon affects the median prices that you see quoted in most any market. That is how that works, and why homes present better in the summer too. Green lawns, Leaves, flowers, and natural light improve curb appeal. Some say buy when the snow is flying, sell when the flowers are blooming.   Keith Weinhold  9:32   Shortly, I want to tell you about the city with rents that are up 26% year over year, and there's no end in sight to those rent increases, either. But first, there's a significant national real estate trend. Now, a lot of times, the discussion about the rental market centers around the level of rents or the vacancy rate, and those metrics sure do matter. But what about tenant retention? That is. Renter mobility rate. How long do residents stay? Well, renter mobility is down, down, down. They are not moving around. That's the big trend. Tenants are staying longer. Renters are waiting longer to buy homes than prior generations did. I mean a lot of people are beginning to wonder if their starter home will arrive before their first social security check does? The share of renters planning to move within three years that has plunged since 2019 from 57% then down to just 37% now. This is according to a national survey from the New York Fed. 57 down to 37% that plan to move within three years. Yes, this means that even after the pandemic waned, renters plan to stay in place longer. Everyone is staying put longer, and what exactly is keeping all of those moving boxes in storage? You guessed it. Buying their own home is more difficult to afford. It's kind of like an obstacle course where the down payment is waiting at the finish line, which is a long ways away. It's like an ultra marathon. This decline in renter mobility. This is obviously good news for income property owners and landlords because vacancy and turnover are our greatest expenses. People are paying more.   Keith Weinhold  11:39   You know, it's interesting that many are staying and put because a lot of renters often pay three to 5% annual renewal increases, especially in single-family rentals. Among apartment dwellers, there are currently more move-ups than move downs. People willing to spend a little more, and part of this is because a lot of people have just simply given up, completely given up on buying a home, choosing instead to fritter away their money on DraftKings parlays, couchie predictions, meme coins, burritos whose delivery fees cost more than the burrito, and a dozen forgotten subscriptions quietly feeding on their checking account. Yeah, a lot of people have just given in. Besides falling renter mobility, there is also falling homeowner mobility. One reason it has fallen is due to the well-documented mortgage rate lock-in effect. But mobility is down among both groups, among renters and homeowners, for a few different reasons. Like I've mentioned in previous shows, America is aging, and older people move less. Remote work means people don't have to move for a job, and housing inventory remains limited. This means that there are few attractive alternatives to move into, whether you're a homeowner or a renter. Those are some reasons as to why mobility is down for both groups. And the New York Fed analysis shows that renter mobility it is especially weak among that subgroup that believes that they will never own a home. I mean, this group of people really isn't moving. They are staying in place even longer. This group that believes that they will never own a home, and this is a skew toward lower income renters for sure, but even upper income renters are staying longer. You know, I own a lot of single family rental homes myself, and I'm just thinking now, I can't even remember the last time someone's moved out. It might be over a year since anyone has moved. The average renter's perceived chance of ever owning a home that has fallen, and this is significant for investors. Okay, that percent of renters that ever hope to own a home has fallen from 52% back in 2015 down to just 35% last year. 52% down to 35% The amount of renters that think they'll ever own a home. Both single-family rental and apartment renters are staying longer. This is both types, and it's not because these renters stop wanting homes. About two-thirds say that they would prefer to own if they had the money to do so. This is substantial. The drop in American mobility rate. I mean, that part is actually decades long, and this seems to catch people off guard. A lot of people falsely believe that people are moving more often, and that's something I've touched on before. This deeply hurts.   Keith Weinhold  15:00   Certain industries like moving companies, furniture stores, and yes, real estate agents—all these groups of people have got to be wondering where did everybody go? The answer is nowhere. Apparently, they are not going anywhere. So the bottom line here, with this lack of mobility, is that renters feel locked out, owners feel locked in, and landlords feel locked up with their tenants staying longer. Although this is good news for landlords and investment property owners, you know there is one thing to be careful of amidst these longer tenant stays, and that is, well, say you buy a rental property with an existing tenant in place that's been there for a while, it's more likely then that that tenant is paying below market rent, and why would that be? Well, because generally, the longer a tenant stays, the more likely it is that the previous landlord gave them a break on the rent. Now, why does that happen? Well, landlords can get lazy about bumping up the rent, and see what's really going on is that the previous landlord, perhaps the person you bought the property from, they themselves bought the property at a much lower price years ago than you did today, and therefore their mortgage payment is lower, and therefore the lower rent was able to cover their mortgage payment. So they weren't too worried about it. But if you're buying at today's prices, well, then you cannot stand for yesterday's rent amount, and that's why it's more likely that you need to bump up the rent to market rent. Although national rent growth is pretty flat, San Francisco continues to rewrite its record book per Zumper's national rent report.San Francisco's one-bedroom rent is up 23% year-over-year to 4,180 bucks, and two-bedroom rent is up 26% to over 6K, 6,020 dollars for the median rent in a two-bedroom San Francisco apartment-the first time they've ever topped 6K there. Yes, the city continues to lead the nation in annual rent growth, and even ahead of New York City for two bedrooms. That's because this is where the growth of the AI industry has collided with a supply-constrained housing market, high demand over low supply. I mean, you might remember that San Francisco was hit especially hard by the pandemic, but its bounce back has been amazing. Even beleaguered San Francisco office buildings are filling up again amidst the AI boom. Now, the Bay Area's previous tech boom back a while ago that was led by tech giants like Facebook, Apple, and Google. All right, that boom was largely concentrated in these sprawling suburban office parks in Silicon Valley. Now Silicon Valley is not in San Francisco. It is depending on just where you're going, perhaps 60 minutes south of San Francisco proper. But see, this time the city limits San Francisco finds itself as the epicenter because a lot of the newest, biggest names in tech like Anthropic and OpenAI, they are headquartered in the very same city neighborhoods that were struggling with occupancy just a few years ago, and see a big part of what's going on, and there's a lesson in this for you as when a lot of other cities built like Phoenix and Austin did, San Francisco did not, and what's interesting is that the publication, the San Francisco Standard, it reported that get this last November a two-bedroom apartment overlooking Alamo Square was advertised for $5,000 per month. That was already 30% above San Fran's median two-bedroom rent at the time, but despite that fact, so many people attended the open house that the property manager had to divide them into two touring groups. Qualified applicants were then emailed and told to submit their best offer of rent. Okay, basically an invitation to a bidding war here. One tech worker and her roommate bid $5,100. Management responded that they had reached the second round and invited them to increase their bid again, and they declined to increase their bid and they lost the apartment. Those. Same article reported that an even more extreme marina neighborhood example, the winning renter offered substantially above asking price, six months upfront rent, and twice monthly professional cleaning. What kind of prospective tenant offers their landlord professional cleaning? I've surely never had it happen. That and bidding wars are now taking place for San Francisco rentals. Could an AI surge and a lack of supply make anything like that happen in your rental market? That remains to be seen, and probably not to that extent. I've got more for you straight ahead, including the trend of money maxing. I'm Keith Weinhold. You're listening to episode 620 of Get Rich Education. What if you got your mortgage loans the same place I get mine? You sure can at Ridge Lending Group NMLS 42056. They provided GRE listeners with more loans than anyone because Ridge specializes in investment property. They'll help you build a long-term plan for growing your real estate empire with leverage. Start your prequal and even chat directly with President Chaley Ridge while it's on your mind. Start at RidgeLendingGroup.com. That's ridgelendinggroup.com. Let me ask you something: If you've worked hard to build wealth, is your money positioned to actually support your goals? A lot of accredited investors leave capital sitting in cash because it feels safe, but inflation and missed income opportunities can quietly erode its value. Freedom Family Investments offers freedom notes for investors seeking structured income backed by real estate. It's a straightforward approach built on real assets, not speculation. In full disclosure, I'm an investor myself. What I like is that their team walks you through how it all works, so you can decide if it aligns with your portfolio and income goals. Every investment carries risk, and nothing is guaranteed. But with a track record of consistent, on-time investor payouts, they built real credibility. Go to freedomfamilyinvestments.com to book a clarity call, or text family to 66866. That's family 266866.   Keith Weinhold  17:22   Although national rent growth is pretty flat, San Francisco continues to rewrite its record book per Zumper's national rent report. San Francisco's one-bedroom rent is up 23% year-over-year to 4,180 bucks, and two-bedroom rent is up 26% to over 6K, $6,020 for the median rent in a two-bedroom San Francisco apartment-the first time they've ever topped 6K there. Yes, the city continues to lead the nation in annual rent growth, and even ahead of New York City for two bedrooms. That's because this is where the growth of the AI industry has collided with a supply-constrained housing market, high demand over low supply. I mean, you might remember that San Francisco was hit especially hard by the pandemic, but its bounce back has been amazing. Even beleaguered San Francisco office buildings are filling up again amidst the AI boom. Now, the Bay Area's previous tech boom back a while ago that was led by tech giants like Facebook, Apple, and Google. All right, that boom was largely concentrated in these sprawling suburban office parks in Silicon Valley. Now Silicon Valley is not in San Francisco. It is depending on just where you're going, perhaps 60 minutes south of San Francisco proper. But see, this time the city limits San Francisco finds itself as the epicenter because a lot of the newest, biggest names in tech like Anthropic and OpenAI, they are headquartered in the very same city neighborhoods that were struggling with occupancy just a few years ago, and see a big part of what's going on, and there's a lesson in this for you as when a lot of other cities built like Phoenix and Austin did, San Francisco did not, and what's interesting is that the publication, the San Francisco Standard, it reported that get this last November a two-bedroom apartment overlooking Alamo Square was advertised for $5,000 per month. That was already 30% above San Fran's median two-bedroom rent at the time, but despite that fact, so many people attended the open house that the property manager had to divide them into two touring groups. Qualified applicants were then emailed and told to submit their best offer of rent. Okay, basically an invitation to a bidding war here. One tech worker and her roommate bid $5,100. Management responded that they had reached the second round and invited them to increase their bid again, and they declined to increase their bid and they lost the apartment. Those. Same article reported that an even more extreme marina neighborhood example, the winning renter offered substantially above asking price, six months upfront rent, and twice monthly professional cleaning. What kind of prospective tenant offers their landlord professional cleaning? I've surely never had it happen. That and bidding wars are now taking place for San Francisco rentals. Could an AI surge and a lack of supply make anything like that happen in your rental market? That remains to be seen, and probably not to that extent. I've got more for you straight ahead, including the trend of money maxing.   Keith Weinhold  20:46   I'm Keith Weinhold. You're listening to episode 620 of Get Rich Education. What if you got your mortgage loans the same place I get mine? You sure can at Ridge Lending Group NMLS 42056. They provided GRE listeners with more loans than anyone because Ridge specializes in investment property. They'll help you build a long-term plan for growing your real estate empire with leverage. Start your prequal and even chat directly with President Caeli Ridge while it's on your mind. Start at ridgelendinggroup.com. That's ridgelendinggroup.com.   Keith Weinhold  21:23   Let me ask you something: If you've worked hard to build wealth, is your money positioned to actually support your goals? A lot of accredited investors leave capital sitting in cash because it feels safe, but inflation and missed income opportunities can quietly erode its value. Freedom Family Investments offers freedom notes for investors seeking structured income backed by real estate. It's a straightforward approach built on real assets, not speculation. In full disclosure, I'm an investor myself. What I like is that their team walks you through how it all works, so you can decide if it aligns with your portfolio and income goals. Every investment carries risk, and nothing is guaranteed. But with a track record of consistent, on-time investor payouts, they built real credibility. Go to freedomfamilyinvestments.com to book a clarity call, or text family to 66866. That's family 266866.   Robert Kiyosaki  22:26   This is our rich dad, poor dad author Robert Kiyosaki. Listen to Get Rich Education with Keith Weinhold, and there is I respect Keith. He's a very strong, smart, bright young man.   Keith Weinhold  22:47   Welcome back to Get Rich Education. I'm your host Keith Weinhold. The rise of quick hit dopamine culture has definitely hit the personal finance world, and this is not a good trend for a lot of Gen Zers, who are those age 14 to 29, sports gambling is increasingly a part of what they think is financial planning. A recent survey from the wealth management platform Betterment shows that 26% of Gen Zers, more than one in four, then consider sports gambling as part of a deliberate long-term financial strategy. If you think that's bad, more than half of Gen Zers, 52% say they've rerouted funds from investment over to sports betting in the past year, and that's versus just 24% of all Americans. Yes, the rapid legalization of sports gambling means it's never been easier to bet your whole paycheck that the Mets are going to lose 100 games this season. When a prediction market or a sports book starts to feel like a retirement strategy, we have a problem, and this is congruent with the rise of dopamine culture across all of society, where we've gone from playing sports, then to watching sports, and now to gambling on sports. In the kitchen, it's where we've gone from home cooking to leaving and getting fast food, to ordering Uber Eats, it's where media has gone from film and TV to streaming shows, and now with dopamine culture, it is watching reels. It's how shopping has gone from first high street shopping, then to Amazon and now to the TikTok shop. It's how communicating with people. It's gone from handwritten letters to sending emails to Snapchats. It's how we've gone from newspapers to breaking news to rage bait. As far as what we listen to for music, this rise of dopamine culture-it used to be vinyl records, and then Spotify playlists, and now it's trending sounds.   Keith Weinhold  25:11   It's gone from finding love to casual dating to infinite swiping. How about the way we look at and share photos? It's gone from photo albums to camera rolls to Instagram stories, and how about the way we access information with this rise of dopamine culture? It's gone from libraries to Google to Chat GPT, and that brings us to money maxing. Okay, yes, here in our finance world, the rise of dopamine culture has led to this. Yes, that is apparently a word now. Money maxing-it's all one word with 2x's. It sounds like something invented by a 22-year-old who's got three credit cards, three hoodies, and one fork. Okay, but money maxing-that is one of the newest personal finance trends spreading across social media. Now, the maxing stuff in that whole suffix that first became popular through terms like looks maxing, which means trying to maximize your physical appearance, whether you're male or female, and now people are sleep maxing, health maxing, career maxing, and I guess it was just inevitable until they were money maxing. And what it really means is optimizing your financial life so that every dollar works harder for you. That could include using a high yield savings account, earning credit card points and rewards, automating your investments, negotiating bills, and eliminating wasteful spending-eh, in other words, it's just another internet reinvention of financial responsibility. I mean, your grandparents just called it being sensible.   Keith Weinhold  26:58   Now, I do like the fact that young people are talking about money. I mean, as we've covered before, financial education is desperately needed. Schools will teach you about the parts of a biological cell, but surely not how to read a mortgage statement. So you can graduate knowing that mitochondria are the powerhouse of the cell, while believing that a tax refund is free money from the government. So you know, directionally, money maxing is good, but see, it usually only focuses on one side of the equation. That's the problem with money maxing. It only focuses on spending less. And here at GRE we take a different approach. The old financial advice is live below your means, and GRE's philosophy is grow your means. You should only live below your means earlier in your financial life when you sort of have to and you need to form capital for investments. But grow your means so that you can have the means to do things. I mean, that is the point of financial betterment.   Keith Weinhold  28:09   Long term, financial betterment is certainly not sustainable by saving money by getting a haircut at home, only watching men's fast pitch softball at the Moose Lodge because it's free instead of going to a Major League Baseball game, saving $120 on air tickets by adding an extra layover on your trip itinerary, or a buy one get one free deal on Hillshire Farm Bacon. Now, of course, you shouldn't waste money if you're paying for six streaming services and you're only watching one. Well, cancel the others. If you carry a credit card balance at 24% surely extinguish that financial dumpster fire. But you cannot shrink your way to an extraordinary life. There is a floor beneath how little you can spend, there is no ceiling above how much value you can create for others. You can cancel your coffee, you can stop eating out, you can turn down the thermostat until your living room feels like a meat locker, but eventually there is nothing meaningful left to cut. That is the weakness in traditional money advice. It treats personal finance like a sinking ship, and it just hands you a bucket. Growing your means is building a bigger ship. The most powerful form of money maxing is not squeezing another 2% off your grocery bill. It is increasing your income. It is acquiring productive assets and creating systems that pay you repeatedly. I mean, saving 20 bucks is fine. Creating another income stream can continue for. Years. This is the difference between subtraction and multiplication. Most money-maxing advice really isn't different than that conventional advice. It's living in the world of subtraction. Cut this. Cancel that. Buy the generic cereal. Drive across town to save 12 cents per gallon. Hey, congratulations! You just spent 40 minutes of your finite life to save $2.80. Real wealth is built through multiplication. Multiply your income, multiply your skills, multiply your relationships, learn a new system, multiply the number of people you serve with rental property, and then multiply your money through productive assets. Now, this does not mean to spend recklessly. Growing means is not permission to inflate your lifestyle every single time your income rises, but it means directing more attention toward expansion than deprivation.   Keith Weinhold  30:59   Ask yourself a better question. Instead of asking how can I save another $100 this month, ask how can I create another $1,000 of monthly income. That very question activates a completely different part of your brain. Now maybe you develop a valuable skill. Maybe you negotiate your compensation. Maybe you start a business. Maybe you acquire an income property. Maybe you turn knowledge, intellectual property, or an audience into a recurring revenue stream. You start looking for leverage rather than looking for coupons and leverage, that is the real engine of what money maxing ought to be. Leverage means accomplishing more with less of your personal effort, and there sure are a lot of forms you can leverage other people's time. You can leverage systems and technology. We're going to talk about a system later here. You can leverage media where one message reaches 1000s or millions of people, and in real estate, you can leverage other people's money. You can scale. A few weeks ago, here I discussed four different types of scale. Real estate investors can get them all at the same time. If you remember, they are financial leverage, like with the five ways. There's operational leverage, there's geographic leverage, and finally replication. You use a relatively small down payment to control a much larger asset while your tenant pays you rent, that income helps cover the property's expenses and mortgage, and over time, inflation tends to lift rents and property values. While your fixed rate debt becomes easier to repay with diminished dollars, I mean that is real money maxing right there. In fact, GRE's real estate pays five ways framework might be the ultimate money maxing system. One property can produce cash flow; it can appreciate. Your tenant can gradually amortize your loan for you. You get the tax benefits, and inflation can transfer wealth from the lender to you through your fixed rate debt, five simultaneous financial benefits attached to one asset. Oh, and we're going to take that and compare that with saving 50 cents on toothpaste. Now, both things technically do improve your finances, but they don't even belong in the same zip code.   Keith Weinhold  33:41   Now, none of this means that every leveraged property is a good investment. In fact, leverage amplifies outcomes. A well-selected, properly financed property is going to accelerate your wealth creation. But a bad deal with thin reserves-hey, that can accelerate your introduction to an attorney. Money maxing still requires judgment. You want durable income, adequate liquidity, responsible underwriting, and you want to have enough reserves to withstand the inevitable surprise. Because every rental property eventually introduces you to something that is leaking, squeaking, or perhaps refusing to pay. The goal is not to optimize every dollar so aggressively that your financial life becomes fragile. And really, that is an important warning about all forms of maxing. Optimization can go too far. Someone might transfer money among five banks to chase these tiny promotional yields, and open 12 credit cards for bonus points, and then monitor every purchase with the intensity of airport security. Okay, I mean technically they're optimization. Their money, but they're also turning their life into like an unpaid accounting internship. Your money should create freedom, not become another demanding employer. Effective money maxing focuses on the big levers first. Get some big wins. Increase your earned income. Own those productive assets. Use good debt prudently. Reduce taxes legally. Protect yourself against catastrophic losses. Maintain liquidity, and then optimize the smaller expenses. Do not spend three hours clipping coupons while ignoring a poorly structured $400,000 mortgage. You do not congratulate yourself on saving $9 on lunch while leaving 50k idle in an account that earns almost nothing. So we don't obsess over credit card points while carrying a balance because paying 24% interest to earn 2% cash back is not money maxing. That is like arithmetic getting mugged in an alley. And there's also an important difference between looking rich and becoming wealthy. Social media rewards visible consumption on things like cars, watches, first-class seats, rooftop dinners, actual wealth-that's something that's often invisible. It is the rental property quietly producing income. It is the ownership stake compounding in the background. It is the tax strategy that's never going to appear in a photograph, and it is the growing gap between what you earn and what you need to live.   Keith Weinhold  36:46   The person displaying the most wealth can have the least. The person saying very little might own the building. So yes, embrace money maxing. Know where your money goes. Eliminate the waste. Negotiate recurring expenses, automate your good decisions, and make your dollar purposeful. Each dollar, but don't stop with living below your means because that is only financial defense. Growing your means is financial offense. Saving money can make you more secure. Owning productive assets-that's what can make you free. The highest form of money maxing is not becoming the world's most efficient consumer. It is making the transition from consumer to owner. Own businesses, own equities, own real estate, own assets that produce value while you sleep, travel, or spend time with the people that matter to you. Because your time is limited, and yet your appetite for generic cereal is also limited. But your ability to create value, acquire assets, and grow your means. That is far less limited. Live below your means if you must, but don't stay there. Grow your means. That is true money maxing. And the number one reason that people don't acquire wealth. Do you know what it is? It's that it simply does not occur to them that they can.    Keith Weinhold  38:24   That is what Brian Tracy said. That is so incredibly simple, and it's true. If you want a money max, you need to have a great system. Let me tell you about a system called the Seven Figure Solution. Now you've been listening to me weekly for almost 12 years here, which I'm immensely grateful for. You've been earning money, investing well, and here with the seven-figure solution, you're going to be able to finally see how it all goes together. It's about making sure that your real estate and other assets appropriately fund your retirement in a way that gives you protection against market downturns, a tax advantage pool of liquidity, the death benefit of a life insurance policy, and actually introduces you to a new form of leverage all at the same time, the liquidity is key because this is where a 401(k) or IRA limit you. Those vehicles have taxes and penalties if you want to use those funds early, and this does not.   Keith Weinhold  39:34   But the seven-figure solution-it's not just for retirees. In fact, our own in-house investment coach here, Naresh uses something like this, and he's in his 30s. It also gives you a significant tailwind during your investing career. Integrate the seven-figure solution the GRE way, where we have a conscientiousness about leverage in cash flow, and in this case, part of it is how to prove. Leverage a life insurance policy. When it's time to tap that policy's cash value, you take what is a policy loan, not a withdrawal, because you're borrowing against your cash value, and therefore you're using the funds in more than one place. That's the leverage, and then the IRS does not tax loan proceeds, and this reminds me of a billionaire borrowing against the value of their stock rather than having to sell any of those assets. And yet, this can be done tax-free. It's similar to what you can do with the seven-figure solution, even for non-billionaires, it is buy, borrow, die. This leverages an indexed universal life policy, and there is the right way to do this and the wrong way to do it. Part of the seven-figure solution is that your cash value can have an upside ceiling and loss protection on the downside. That's really something that you only care about more as you're closer to retirement. And there are some mistakes to avoid here. You don't just want to set up the seven-figure solution off of a website, and it's based on products that you might have heard of from companies like Nationwide and mass mutual. I strongly encourage you to learn more, see how it all goes together, and learn how the seven-figure solution compares to other vehicles like a Roth IRA, 401k, and even a 721 and 1031 exchange. This is very much about you being able to picture your future, you've been building your real estate portfolio either from your investment coach or on your own. This is how the puzzle pieces finally are all going to go together. I am cordially inviting you to join us for a special live event, the Seven Figure Solution. It is co-hosted by our own GRE investment coach Naresh and Haven Bridges Jared, who you heard from on the show with me last week. By attending live from the comfort of your own home or from anywhere, you can have your questions answered in real time. It is this Thursday, the 27th, at 8 p.m. Eastern, 5 p.m. Pacific.   Keith Weinhold  42:23   Most people spend decades building wealth, and then they lose far too much of it because the retirement pieces were never designed to work with each other. So you're going to see how real estate, taxes, insurance, and retirement income can fit into one coordinated strategy, helping you grow and protect your wealth, access capital without immediately selling your assets, and potentially avoid losing hundreds of thousands of dollars to taxes unnecessarily. So it's not just another collection of disconnected financial tips. Really, it's your opportunity to finally see the entire retirement picture and understand what might be missing from yours. It's complimentary to attend. The longer you wait, the fewer options you could have. Decisions made today can affect your wealth for decades. Don't wait until retirement day to discover that your plan had expensive holes in it. There are some moving pieces here, so it's especially helpful that you attend this one live, and that way you can have any questions answered in real time, so that you really understand. And you might have been one of thousands of listeners that have attended our property webinars before, and they are important to building your portfolio. But this one could very well be more important in seeing your big picture, seeing your retirement, and seeing that your heirs aren't left with a giant tax bill too. You can reserve your seat now for the seven-figure solution at grewebinars.com again. That's grewebinars.com. Until next week, I'm your host Keith Weinhold. Don't quit your daydream.   Speaker 2  44:14   Nothing on this show should be considered specific, personal, or professional advice. Please consult an appropriate tax, legal, real estate, financial, or business professional for individualized advice. Opinions of guests are their own. Information is not guaranteed. All investment strategies have the potential for profit or loss. The host is operating on behalf of Get Rich Education LLC exclusively.   Keith Weinhold  44:42   The preceding program was brought to you by your home for wealth building. getricheducation.com.

A lot of the conversation on retirement runs one way: stay busy, stay productive. Dr. Denise Taylor thinks that could quietly cost some people their best years. Denise is a Chartered Psychologist and later-life researcher in the UK. She spent 25 years coaching people through career transitions, then, at 61, went back to school herself, completing a professional doctorate on how people reconstruct meaning after full-time work. Her research subjects were all at least two years past retirement, deliberately, because the first two years tell you very little. What she found in them became the backbone of her new book, ThriveSpan: Walking Gently Into What Matters Now. The extra years we have gained, she argues, arrive roughly between 60 and 80, while health usually still holds. Spending them duplicating the shape of your working life is a decision, and it’s not right for everyone. Her alternative is not reinvention, which she calls exhausting, but recalibration: a reset in which you subtract before you add. She is also candid about her own path. Leaving a twenty-year marriage. Four days and four nights alone in nature with no food and no tent. A doctorate that started the October before COVID. Four acres of woodland that taught her, at last, how to stop moving fast. We discuss why purpose does not have to be a cathedral, why she stopped dyeing her hair on principle, what her research says about curiosity and being of service, why you should imagine the future you do not want, and why saying no is the most underrated skill in later life. Retirement is different for everyone and we have choices. Denise argues against a continue to work narrative, and she argues strongly. If you’re a listener who loves their work, or who needs the income, shear her as offering choice rather than a verdict. ________________________ Bio Dr. Denise Taylor is a Chartered Psychologist, later-life researcher, and widely published author whose work explores how we can live well as we age. With more than 25 years’ experience supporting career and life transitions, she has written extensively on work, identity, ageing, and meaning in later life. Her work has been featured by the BBC, ITV, and national newspapers. Her previous books include Career Coaching for Midlife and Beyond, Rethinking Retirement for Positive Ageing , and Find Work at 50+. Her doctoral research into meaning after full-time work won the Research by a Career Development Professional award in 2024. ThriveSpan: Walking Gently Into What Matters Now offers a reflective, psychologically grounded approach to later life, integrating research, lived experience, and the restorative influence of nature. Denise writes the Substack newsletter Ageing Reimagined and is a regular contributor to the i Paper. She lives in Gloucestershire, where time spent in her woodland continues to inspire both her writing and her approach to later life. _______________________ For More on Denise Taylor Substack – https://ageingreimagined.substack.com/ ThriveSpan – https://denisetaylor.co.uk/thrivespan/ Website – https://denisetaylor.co.uk/ _______________________ Other Retirement Podcast Conversations You’ll Also Love Inspired Retirement – Nathalie Martin Re-Visioning Retirement – Susan Reid, PhD Joyspan – Kerry Burnight, PhD _______________________ Wise Quotes On Recalibrating “You don’t have to reinvent yourself. You can just slow down a bit…now time is more my own.” On Purpose “When I’m talking to people about purpose, they want this massive thing, like building a cathedral. You can have purpose just by smiling at somebody walking down the street.” On Being “If all you are is a human doing, then you’re not really thinking about who am I as a human being?” ______________________ About The Retirement Wisdom Podcast There are many podcasts on retirement, often hosted by financial advisors with their own financial motives, that cover the money side of the street. This podcast is different. You'll get smarter about the investment decisions you'll make about the most important asset you'll have in retirement: your time. About Retirement Wisdom I help people who are retiring, but aren't quite done yet, discover what's next and build their custom version of their next life. A meaningful retirement doesn't just happen by accident. Schedule a call today to discuss how the Designing Your Life process created by Bill Burnett & Dave Evans can help you make your life in retirement a great one — on your own terms. About Your Podcast Host Joe Casey is an executive coach who helps people design their next life after their primary career and create their version of The Multipurpose Retirement.™ He created his own next chapter after a 26-year career at Merrill Lynch, where he was Senior Vice President and Head of HR for Global Markets & Investment Banking. Joe has earned Master's degrees from the University of Southern California in Gerontology (at age 60), the University of Pennsylvania, and Middlesex University (UK), a BA in Psychology from the University of Massachusetts at Amherst, and his coaching certification from Columbia University. In addition to his work with clients, Joe hosts The Retirement Wisdom Podcast, ranked in the top 1% globally in popularity by Listen Notes, with over 2 million downloads. Business Insider recognized Joe as one of 23 innovative coaches who are making a difference. He's the author of Win the Retirement Game: How to Outsmart the 9 Forces Trying to Steal Your Joy.

Henna Pryor, workplace performance expert, executive coach, bestselling author of Good Awkward, and award-winning two-time TEDx and keynote speaker, joins me on this episode. Henna was named a SUCCESS Magazine Woman of Influence and has spoken to global organizations including Google, Johnson & Johnson, and JPMorgan Chase. She's been featured in popular media outlets including Forbes, NBC, The Washington Post, Business Insider, and Fast Company. Henna has spent much of her life thinking about what other people think, navigating the discomfort that comes with not fitting expectations, and learning what happens when we stop trying to avoid awkwardness and instead get better at it. Her work explores why awkwardness is a natural part of being human and how learning to navigate it can help us become more confident, courageous, creative, and connected. In our conversation, Henna shares the science behind awkwardness, why our social muscles may be getting weaker, and practical strategies we can use to become more comfortable with discomfort.

Your money is ready for retirement. Are you? Get started on Future You. _________________________ What might happen if retirement gives you permission to become a beginner again? After more than four decades in journalism, including a long career at The Wall Street Journal, Neil Lipschutz began an entirely different chapter—as a mystery novelist. In this conversation, Neil discusses career identity, creative work and the importance of giving retirement some structure without locking yourself into a rigid plan. He also shares a powerful lesson from his own second act: enjoy the process of pursuing something meaningful without making your satisfaction dependent on how other people measure the outcome. _________________________ Bio Neal Lipschutz, a long-time journalist, was formerly a deputy editor-in-chief at The Wall Street Journal. He also previously served as WSJ’s ethics and standards editor. He also at one time was the top editor at Dow Jones Newswires. His short fiction has appeared in a number of publications. “Long Arm of the Past” is his second novel in the Scott Morgan series following his debut novel  “No Write Way to Die” in 2025. __________________________ For More on Neal Lipschutz Author Website Long Arm of the Past (A Scott Morgan Mystery) No Write Way to Die ___________________________ Other Retirement Podcast Conversations You’ll Love How to Flourish…in Retirement – Daniel Coyle Change Your Questions, Change Your Life…in Retirement – Marilee Adams, PhD Mattering…in Retirement – Jennifer Breheny Wallace ____________________________ Wise Quotes On Retiring External Validation “Enjoy the process… and try to separate that from whether it was ultimately a success in some other person’s eyes.” On Finding a New Center “It’s such an opportunity to try something new, to find some new purpose, to find some new center around which to organize your life.” On Idenity “I felt like a human being before I had a career…I’m not sure I need a career to justify my identity now.” _____________________________ About The Retirement Wisdom Podcast There are many podcasts on retirement, often hosted by financial advisors with their own financial motives, that cover the money side of the street. This podcast is different. You'll get smarter about the investment decisions you'll make about the most important asset you'll have in retirement: your time. About Retirement Wisdom I help people who are retiring, but aren't quite done yet, discover what's next and build their custom version of their next life. A meaningful retirement doesn't just happen by accident. Schedule a call today to discuss how the Designing Your Life process created by Bill Burnett & Dave Evans can help you make your life in retirement a great one — on your own terms. About Your Podcast Host Joe Casey is an executive coach who helps people design their next life after their primary career and create their version of The Multipurpose Retirement.™ He created his own next chapter after a 26-year career at Merrill Lynch, where he was Senior Vice President and Head of HR for Global Markets & Investment Banking. Joe has earned Master's degrees from the University of Southern California in Gerontology (at age 60), the University of Pennsylvania, and Middlesex University (UK), a BA in Psychology from the University of Massachusetts at Amherst, and his coaching certification from Columbia University. In addition to his work with clients, Joe hosts The Retirement Wisdom Podcast, ranked in the top 1% globally in popularity by Listen Notes, with over 2 million downloads. Business Insider recognized Joe as one of 23 innovative coaches who are making a difference. He's the author of Win the Retirement Game: How to Outsmart the 9 Forces Trying to Steal Your Joy.    

Are You the One? We have one spot left in both cohorts Designing Your New Life in Retirement small group program, beginning in September. Is now the time to start working on what you’ll be retiring to? Learn more here | Sign up here Prepare for Takeoff: Is your money better prepared for retirement than you are to live it? Take this free 5-minute assessment to highlight may need you attention to build the retirement you’ve earned. __________________________ We spend a great deal of time thinking about how much we exercise. Esther Gokhale asks another question: How are we using our bodies during all the hours when we aren’t exercising? Esther Gokhale, creator of the Gokhale Method, became interested in posture after experiencing a severe L5-S1 disc herniation while pregnant with her first child. Surgery was followed by another herniation, and she began searching more broadly for ways to change how she moved in everyday life. In this conversation, Esther explains why she considers posture a missing pillar of wellness and why she believes ordinary activities (walking, sitting, standing, bending and even lying down) can become what she calls “life exercises.” We explore why sitting itself may not (completely) deserve its terrible reputation, what she means by a “J-spine,” how walking mechanics affect the entire body, and what modern adults can learn from young children and populations whose traditional movement patterns have been preserved. Most encouragingly for people in the second half of life, Esther argues that we should distinguish between what becomes common with age and what is necessarily natural. Her message is clear that our capacity for improvement often lasts much longer than we assume. _____________________ Bio Esther Gokhale (GO-clay) has been involved in integrative therapies all her life. As a young girl growing up in India, she helped her mother, a nurse, treat abandoned babies waiting to be adopted. This early interest in healing led her to study biochemistry at Harvard and Princeton and, later, acupuncture at the San Francisco School of Oriental Medicine. After experiencing crippling back pain during her first pregnancy and unsuccessful back surgery, Esther Gokhale began her lifelong crusade to vanquish back pain. Her studies at the Aplomb® Institute in Paris and years of research in Brazil, India, Portugal and elsewhere led her to develop the Gokhale Method, a unique, systematic approach to help people find their bodies' way back to pain-free living. Gokhale’s book, 8 Steps to a Pain-Free Back, has been translated into ten languages. Esther Gokhale has taught at corporations such as Google & IDEO, presented at conferences including TEDx(Stanford), consulted for the trainers of the SF 49ers and several Stanford sports teams, and conducted workshops for physician groups at Stanford, Kaiser Permanente, Sutter Health, UCSF. The New York Times gave Esther the title “The Posture Guru of Silicon Valley. A Stanford clinical trial is currently studying the Gokhale Method. _____________________ For More on Esther Gokhale Website – Gokhale Method 2-minute Video Overview of the Gokhale Method  8 Steps to a Pain-Free Back by Esther Gokhale ____________________ Other Retirement Podcasts You May Like The Joy of Movement – Kelly McGonigal Eat Your Ice Cream – Ezekiel Emanuel, MD, PhD Make Your Next Years Your Best Years – Harry Agress, MD _____________________ About The Retirement Wisdom Podcast There are many podcasts on retirement, often hosted by financial advisors with their own financial motives, that cover the money side of the street. This podcast is different. You'll get smarter about the investment decisions you'll make about the most important asset you'll have in retirement: your time. About Retirement Wisdom I help people who are retiring, but aren't quite done yet, discover what's next and build their custom version of their next life. A meaningful retirement doesn't just happen by accident. Schedule a call today to discuss how the Designing Your Life process created by Bill Burnett & Dave Evans can help you make your life in retirement a great one — on your own terms. About Your Podcast Host Joe Casey is an executive coach who helps people design their next life after their primary career and create their version of The Multipurpose Retirement.™ He created his own next chapter after a 26-year career at Merrill Lynch, where he was Senior Vice President and Head of HR for Global Markets & Investment Banking. Joe has earned Master's degrees from the University of Southern California in Gerontology (at age 60), the University of Pennsylvania, and Middlesex University (UK), a BA in Psychology from the University of Massachusetts at Amherst, and his coaching certification from Columbia University. In addition to his work with clients, Joe hosts The Retirement Wisdom Podcast, ranked in the top 1% globally in popularity by Listen Notes, with over 2 million downloads. Business Insider recognized Joe as one of 23 innovative coaches who are making a difference. He's the author of Win the Retirement Game: How to Outsmart the 9 Forces Trying to Steal Your Joy. __________________________ Wise Quotes On Posture “Posture is very underrated as a pillar of wellness…Change the way you are living in your body….It’s sort of indispensable that we do life more skillfully because that’s where the big opportunities are.” On Misconceptions on Aging “Don’t…lower our standards and call things that are common natural.” On Why Now? “It’s never too late.” __________________________ The views and opinions expressed by guests on The Retirement Wisdom Podcast are those of the guests and do not necessarily reflect the policy or position of the host or Retirement Wisdom, LLC. The Retirement Wisdom Podcast covers the non-financial aspects of retirement. From time to time we may invite guests who discuss other aspects of retirement planning, solely for educational purposes. Listeners are advised to consult qualified financial and/or medical professionals on those matters.

Derek Champagne talks with Kyle Austin Young.Kyle Austin Young is an award-winning strategy consultant for high achievers, entrepreneurs, and leaders ina wide range of fields. This work has allowed him to develop and refine a powerful system for accomplishingbig, meaningful goals that focuses on understanding and changing your odds of success. Kyle is a popularwriter for Harvard Business Review, Fast Company, The Boston Globe, CNBC, Psychology Today, Forbes,and Business Insider.His new book, SUCCESS IS A NUMBERS GAME: Achieve Bigger Goals by Changing the Odds (Hay House Business, November 2025), details this system. In the context of a single goal, it could be the secret advantage that changes your outcome. Over the course of several goals, it could transform the trajectory of your career. Appliedto a lifetime of goals, it can level up your legacy.Business Leadership Series Intro and Outro music provided by Just Off Turner: https://music.apple.com/za/album/the-long-walk-back/268386576

Victoria Bachan is Co-Founder and CEO of Hyphen, and one of the most consequential builders in the Creator Economy. Her 12-year+ career spans CAA, Sony Music, Wasserman, and Whalar, where she led 300+ Creators as Global President of Sixteenth. She has pioneered Creator houses for Black and Latinx talent, launched Creator-owned brands like Nami Matcha and Nonipup, and brokered deals with Nike, Google, Amazon, and Sephora. A sought-after speaker at Cannes Lions, SXSW, VidCon, and Tribeca, she has contributed to Rolling Stone and is recognized by Variety, Business Insider, and Campaign US as a defining voice in the industry. She mentors South Asian executives through The Salon and supports her community through Play Inspired. When she's not reshaping the industry, you'll find her exploring New Jersey towns with her husband and dog.

Retirement planning is about more than reaching a savings goal. It also means preparing for healthcare costs, changing income needs, housing decisions, relationships, purpose, and the transition into a completely different stage of life.   This week, Regina shares 10 important things to consider before retirement, including how to budget for a longer life, understand your income sources, prepare for healthcare expenses, manage debt, and plan for required minimum distributions.   She also explains why the emotional and personal sides of retirement matter just as much as the financial ones. From creating a daily routine and maintaining social connections to updating your legal documents and finding purpose beyond work, a successful retirement requires planning for the life you actually want to live.   Episode Highlights:   0:00 - Welcome to Women and Wealth 0:45 - 10 things to know about retirement 1:54 - Budgeting for longevity and inflation 2:55 - Understanding your retirement income sources 4:15 - Planning for healthcare and long-term care costs 5:12 - Managing debt before retirement 6:34 - Required minimum distributions and Roth conversions 7:34 - Making the shift from saving to spending 9:31 - Keeping legal documents and beneficiaries updated 11:05 - Downsizing, relocating, and aging in place 11:53 - Creating a healthy daily routine 13:54 - Finding purpose and identity beyond work 16:53 - Preparing for a fulfilling retirement 17:13 - Closing thoughts and how to connect    ABOUT REGINA MCCANN HESS   Regina is the author of Super Woman Wealth: How to Become Your Own Financial Hero.  As an advocate for women's financial freedom, she wrote this book to help empower women to take a bigger role in handling their money.     Regina has appeared on Schwab TV, Yahoo Finance, Forbes.com, NTD Television, CBS 3 Philadelphia, Fox 29 Philadelphia, King 5 Seattle, KTLA 5 Los Angeles and Scripps News.  She has also been quoted in numerous articles in publications such as Forbes, Business Insider, U.S. News & World Report, Yahoo Finance, USA Today, USA Wire, Word in Black, WTOP News, Mind Body Green, Money Digest, New York Post, Defender, Authority Magazine, GoBankingRates.com, Scripps and The Muse.   As Founder of Forge Wealth Management, Regina utilizes her 25+ years of financial services experience to help individuals plan, preserve and diversify their wealth.  She focuses on educating her clients while building long-term relationships with them and their families.  Her experience throughout major shifts in the markets, enables Regina to structure balanced portfolios to address specific financial goals. CONNECT WITH REGINA   Website: https://www.forgewealth.com LinkedIn: https://www.linkedin.com/in/reginamccannhess/ Facebook: https://www.facebook.com/ForgeWealth Instagram: https://www.instagram.com/forgewealthmanagement/ YouTube: https://www.youtube.com/@ForgeWealth Email: reginahess@forgewealth.com   Securities offered through LPL Financial, Member FINRA/SIPC www.finra.org, www.sipc.org Third-party posts found on this profile do not reflect the view of LPL Financial and have not been reviewed by LPL Financial as to accuracy or completeness.   This material was prepared by MFS Fund Distributors, Inc.   For a list of states in which I am registered to do business, please visit www.forgewealth.com. MFS Fund Distributors, Inc. is not affiliated with, nor endorsed by LPL Financial, Private Advisor Group, or Forge Wealth Management  

Most of us think the hard part of entrepreneurship is strategy. Then we hit a moment where the tactics work, the money shows up, and we still feel restless, split, or oddly numb. That's where this conversation goes. I'm joined by leadership coach and author Celine DaCosta to talk about shadow work, wholeness, and why the stories we tell about our past quietly shape our leadership, our relationships, and our financial decisions.We dig into Carl Jung's idea of the shadow and what “integration” looks like in real life: noticing the parts we've pushed away, bringing them back into awareness, and letting them belong. Celine shares a four-phase map of human transformation that shows up again and again for founders: awakening to a repeating pattern, reckoning with the identity that needs to die, entering the void and stillness after the chaos, and finally sharing a new story through your work. We also name a trap I see constantly in business and brand building: trying to launch, publish, or “rebrand” from phase two, then calling it a marketing problem when it's really an identity problem.From there we get practical. Celine walks me through a simple way to rewrite the future from a clean slate by dropping into the body, naming values, and choosing the path that expands rather than contracts. We close with her upcoming book, The Burning Ground, which tells the story of her circumnavigating the globe through pure human connection and turning that journey into a companion for anyone navigating a major transition.If you're building a purpose-driven business and you want a healthier relationship with money, work, and yourself, listen now. Subscribe, share this with a friend who's in a crossroads season, and leave a review with your biggest takeaway.More about our Guest, Celinne Da CostaThought Leader, Speaker and AuthorCelinne Da Costa is an author, speaker, and advisor who helps leaders close the gap between who they are and how they lead—through story, subconscious reprogramming, and strategic communication.Her methodology blends neuro-linguistic programming, somatic work, and cutting-edge brain-change techniques into a multidimensional approach that works across mind, body, and nervous system. This is how her clients create transformation that holds—not just insight that fades.Featured in TEDx, Forbes, Entrepreneur, and Business Insider, Celinne has supported Fortune 150 executives, industry leaders, and thousands of students across 60+ countries to shed limiting stories and build what's next—on their own terms.Her mission is to support leaders to create meaningful change in the world by living, leading, and communicating from soul alignment—and become the greatest story they've ever told.Website: https://celinnedacosta.com/Email: celinne.da.costa@gmail.comThe Book: https://theburningground.com/Facebook: https://www.facebook.com/CelinneDaCostaInstagram: https://www.instagram.com/celinnedacosta/X(Twitter): https://x.com/CelinneDaCostaYouTube: https://www.youtube.com/c/CelinneDaCostaChannelHear Past episodes of the Way2Wealth Podcast!https://theway2wealth.comLearn more about our Host, Scott Ford, Managing Director, Partner & Wealth Advisorhttps://www.carsonwealth.com/team-members/scott-ford/Investment advisory services offered through CWM LLC, an SEC-registered investment advisor.  Carson Partners, a division of CWM LLC, is a nationwide partnership of advisors. The opinions voiced in the Way to Wealth with Scott Ford are for general information only and are not intended to provide specific advice or recommendations for an individual. Past performance is no guarantee of future results. All indices are unmanaged and may not be invested into directly. Investing involves risk, including possible loss of principal. No strategy assures success or protects against loss. To determine what may be appropriate for you, consult with your attorney, accountant, financial or tax advisor prior to investing.  Guests on Way to Wealth are not affiliated with CWM, LLC. Legado Family is not affiliated with CWM LLC. Carson Wealth 19833 Leitersburg Pike, Suite 1, Hagerstown, Maryland, 21742.

Time for an Upgrade? The honeymoon period doesn't last forever in retirement. The free Retirement Drift assessment takes five minutes. It's not a report card. No right answers. If you want to get started on working on the new Future You, that's exactly what the Designing Your New Life in Retirement program is built for. Six group sessions with 6 to 10 people doing the same, and a structured way to move from putting it off to designing. The September cohort is enrolling now with two scheduling options. Learn more here | Sign up here _____________________________ What would persuade a successful professional to trade seniority and compensation for beginner status, and six months of Police Academy training at 70? For John Fisher, the answer was not reinvention for its own sake. It was the chance to keep growing, serving, solving problems, and feeling fully engaged. Before becoming a Ranger, John spent more than 20 years at Sony Pictures Television, including as supervising producer of The Young and the Restless, where he won six Emmy Awards. His earlier career included work with HBO and key roles in launching MTV, VH-1, MTV Europe, and The Comedy Channel. His next chapter didn’t pop up overnight. It grew from volunteering. One opportunity led to another: EMT certification, a seasonal Ranger-Assistant role, ranger training, and eventually the Río Hondo Basic Police Academy. There, surrounded by much younger recruits, John became California's oldest graduate of a basic Police Academy, class president and was voted Most Inspirational. In this conversation, John explains how he handled the demands of the academy, why age brought advantages as well as limitations, and how three simple criteria (learning something new, helping people, and having fun) guided his choices. His story is dramatic, but his approach is accessible. Becoming a Ranger may not be your thing, but what small experiment might open your own unexpected next chapter? John Fisher joins us from California. _________________________ Bio John Fisher is a Ranger with the Mountains Recreation and Conservation Authority, a local park agency with extensive property in the Santa Monica Mountains. He joined the MRCA as a volunteer in 2024. After attending the Rio Hondo Basic Police Academy in 2025, Fisher completed field training and became a generalist ranger in 2026. Prior to the MRCA, Fisher worked for Sony Pictures Television for over 20 years as a supervising producer for “The Young and the Restless,” where he won six Emmy Awards. Earlier, Fisher worked on the NBC Enterprises syndicated daytime program, “The John Walsh Show.” He spent 11 years with HBO as a production executive, where he supervised a wide range of programming, including “Politically Incorrect with Bill Maher,” “The Chris Rock Show,” “Reverb,” and “Dr. Katz: Professional Therapist.” His experience encompasses key roles in launching MTV, VH-1, MTV Europe, and The Comedy Channel, as well as numerous producing and consulting credits for broadcast, pay cable, syndication, corporate, and home video projects. A longtime member of the Television Academy, Fisher has served on the Daytime Peer Group Executive Committee and the Daytime Awards Committee. He has been involved with community and educational endeavors and has volunteered with his homeowners’ association, Syracuse University's alumni advisory network, and Boston University's Los Angeles program. An avid cyclist, he has been a member of several advocacy groups and a volunteer trail maintainer. Additionally, he continues to volunteer with the Los Angeles Sheriff’s Department Search and Rescue team based in Santa Clarita and as a civilian volunteer for the Los Angeles Police Department through his membership in the California Emergency Mobile Patrol (CEMP). Fisher also belongs to the Mountain Bike Unit in the Santa Monica Mountains National Recreation Area and is a volunteer for the National Park Service and California State Parks. A native of Baltimore, Fisher holds a master’s degree from Syracuse University's Newhouse School and an undergraduate degree from Towson University. __________________________ Other Retirement Podcast Conversations You’ll Love The Third Act – Josh Sapan Mattering…in Retirement – Jennifer Breheny Wallace What If You Pivot Instead of Retiring? – Scott Siff ___________________________ About The Retirement Wisdom Podcast There are many podcasts on retirement, often hosted by financial advisors with their own financial motives, that cover the money side of the street. This podcast is different. You'll get smarter about the investment decisions you'll make about the most important asset you'll have in retirement: your time. About Retirement Wisdom I help people who are retiring, but aren't quite done yet, discover what's next and build their custom version of their next life. A meaningful retirement doesn't just happen by accident. Schedule a call today to discuss how the Designing Your Life process created by Bill Burnett & Dave Evans can help you make your life in retirement a great one — on your own terms. About Your Podcast Host Joe Casey is an executive coach who helps people design their next life after their primary career and create their version of The Multipurpose Retirement.™ He created his own next chapter after a 26-year career at Merrill Lynch, where he was Senior Vice President and Head of HR for Global Markets & Investment Banking. Joe has earned Master's degrees from the University of Southern California in Gerontology (at age 60), the University of Pennsylvania, and Middlesex University (UK), a BA in Psychology from the University of Massachusetts at Amherst, and his coaching certification from Columbia University. In addition to his work with clients, Joe hosts The Retirement Wisdom Podcast, ranked in the top 1% globally in popularity by Listen Notes, with over 2 million downloads. Business Insider recognized Joe as one of 23 innovative coaches who are making a difference. He's the author of Win the Retirement Game: How to Outsmart the 9 Forces Trying to Steal Your Joy. _____________________________________________ Wise Quotes On Trade Offs “I am earning a fraction of what I earned before. I am way down in the food chain, and I love it.” On Age Bias “If somebody's telling you you're too old, find new friends. They're just jealous.” On Future You “You have to figure out what kind of story you want to tell about this next phase of your life.”

Ed Hinman is an author who says that he likes to explore open fields where violent things happened a thousand years ago. He's a graduate of the US Naval Academy, and he served eight years in the Marine Corps including a deployment in Afghanistan. He earned a master's degree in history, and he's spent his post-military career as a bodyguard at a security firm. He's now about to publish his first book, called "The Barbarian in You". If I have this right, it's about listening to the ancient, primal, authentic you, as it nudges you towards the Vigor, Wonder, and Fellowship of your goal. His writing has appeared in Task & Purpose, Business Insider, and The Washington Post.  My featured song is “Cannonball”, from the album Prisoners Of Love. Spotify link. —------------------------------------ The Follow Your Dream Podcast:Top 1% of all podcasts with Listeners in 200 countries! Click here for Start Here Click here for All Episodes  Click here for Guest List  Click here for Guest Testimonials Click here for Pillars Click here for Robert's Project Grand Slam Click here to Subscribe  Click here to receive our Email Updates Click here to Rate and Review the podcast —---------------------------------------- CONNECT WITH ED:www.barbarianinyou.com —------------------------------------ ROBERT'S NEWEST RELEASE:“THE BUZZ” - Ft. Darius de Haas (vocals) and Dave Eggar (Celo). Short, Sweet and Totally Different CLICK HERE FOR OFFICIAL VIDEO CLICK HERE FOR ALL LINKS —-------------------------------------- Audio production: Jimmy RavenscroftKymera FilmsConnect with the Follow Your Dream Podcast:Website - www.followyourdreampodcast.comFollow Robert's band, Project Grand Slam, and his music:Website - www.projectgrandslam.com    

In this episode, Celinne Da Costa talks about The Burning Ground: One Woman's Journey to Reclaim Her Soul and Ignite Her Fire. Celinne Da Costa is an author, speaker, and master coach who guides visionary leaders to live, lead, and express themselves in full alignment with their soul's truth. Her latest book is The Burning Ground: One Woman's Journey to Reclaim Her Soul and Ignite Her Fire. Raised between Italy, Brazil, and the United States, she is a woman of many worlds. At twenty-five, she left behind a promising corporate career to follow a deeper call—one that led her to travel across more than seventy countries, couch surf with strangers around the globe, and explore the depths of the human spirit. Today, Celinne blends subconscious reprogramming, communication, storytelling, intuition training, and emotional mastery to help high-achieving professionals embody their most authentic and magnetic leadership. Her work has supported Fortune 150 executives, entrepreneurs, and change-makers in over sixty countries, and her insights have been featured in Forbes, Entrepreneur, Business Insider, and her TEDx talk on the power of human connection. She now divides her time between the Mediterranean and South America, where she continues to write, coach, and explore what it means to come home to oneself. The journey doesn’t end here. For More Information ★ To learn more about Celinne Da Costa visit her website: celinnedacosta.com★ If you enjoyed the show, please leave us a five star iTunes review. Visit Spiritual Rockstar Podcast at https://yoursacredpurpose.com/ for more information!★ I encourage you to join our Rock Your Sacred Purpose Community on Facebook: https://www.facebook.com/groups/246228169428755★ Do you want to Meditate and Make Money? Grab your Free meditation today: YourSacredPurpose.com Show Notes ★ 2:38 – It’s interesting because whenever I reflect back on that version of me from 10 years ago it’s really easy for me to articulate what my experience was in hindsight.★ 11:16 – As a 25 year old I was scrappy. I had no money, I did not know what was going on, I did not have the tools or resources that I have today.★ 19:19 – That was the moment where I started asking the deeper questions.★ 23:58 – I needed to create the kinds of conditions for myself where it was sink or swim.★ 33:37 – The core takeaway that I received from this trip, which was what I went on to build my entire business and company on, was that every single person has a story to tell.★ 43:04 – The burning point is that moment where you are burning inside and you know change is upon you.★ 48:15 – People are attracted to what makes us come alive.★ 51:20 – Grab your copy of Celinne’s book here: https://theburningground.com★ 58:27 – Do you want to Meditate and Make Money? Grab your Free meditation today: https://www.YourSacredPurpose.com★ 59:46 – Wherever you are – trust that is exactly where you are meant to be. Listen to the Show The post 542: Celinne Da Costa – The Burning Ground appeared first on Your Sacred Purpose.

GPS Business Insider is a digital business news publication focused exclusively on the Greater Palm Springs and Coachella Valley region. It covers local business, economic development, commercial real estate, tourism, government, nonprofits, healthcare, and public policy. On this episode of The Wednesday Match Play Podcast powered by Heritage Creations USA, Bob reflects on his time in the Coachella Valley, discusses his work with golf legend Billy Casper, and explains how the idea for GPS Business Insider came to life. He shares why he chose to focus on the Greater Palm Springs area, where his content comes from, and how he decides what's newsworthy enough to cover. Bob also talks about his sponsors, offers a look at his Weekly Insider Newsletter, and introduces his advisory board. This was a fun conversation with someone who is passionate about our local community, and it was an honor to have Bob on the show. Let's tee off!

(00:00 - 3:11) It's Wednesday! Business Insider recently released a ranking of the top ice cream spot in each of the 50 states; LBF has been to the best one here in Massachusetts, and she can validate it's the best! (3:11 - 9:12) Today's DM Disaster is from Jayson. His neighbors are selling their house, Jayson was just standing in his bedroom watching, when the drone filmed him accidentally while he was wearing no clothes. The video was posted and all the comments where about Jayson being naked! That's Jayson's DM Disaster! (9:12 - 14:36) For years, millennials swore they'd never become "minivan people." They bought giant SUVs instead because they looked cooler. Minivan sales jumped 21%, and parents are finally admitting the unthinkable: the sliding door is one of mankind's greatest inventions. (14:36 - 18:42) Today's Supah Smaht player is . Find out if they were Supah Smaht! (18:42 - 25:50) More than half of Americans claim they never got detention, and only 4% admit they got it often. Which raises one very important question: Who the heck were all those kids sitting in detention with LBF. (25:50 - 32:19) Widow's Bay might be THE show of the summer. Creator Katie Dippold said the atmosphere of the show is inspired by Stephen King, Decider made its list of King shows and movies, and now we're giving you ours, Plus the summer concert season is in full swing and we now know Pee Bags are trending we'll explain! All this and more on the ROR Morning Show with LBF & Adam 12 Podcast. Find more great podcasts at bPodStudios.com…The Place To Be For Podcast Discovery! Follow us on our socialsInstagram - @rormorningshowFacebook - The ROR Morning ShowSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Strong leadership matters most when the pressure is high, change feels uncomfortable, and relationships are being tested.   This week, Regina sits down with Michelle Kozin, founder and president of Predictive Advisors, to discuss how behavioral science can help leaders navigate those moments. Drawing on more than 20 years of experience in leadership development and organizational change, Michelle explains how self-awareness, curiosity, and diversity of thought can strengthen teams, build trust, and improve performance.    They also discuss multigenerational workplaces and Michelle's vision for retirement.   Episode Highlights:   0:00 - Meet Michelle Kozin, founder of Predictive Advisors 2:48 - Helping leaders and teams navigate change 6:46 - The head, heart, and briefcase model 9:08 - Building trust in relationship-driven industries 10:42 - Navigating generational change 12:53 - Multigenerational family businesses 14:12 - Why trust cannot be automated 16:23 - The three types of diversity 21:04 - Michelle's vision for retirement 23:19 - Episode wrap-up    ABOUT REGINA MCCANN HESS   Regina is the author of Super Woman Wealth: How to Become Your Own Financial Hero.  As an advocate for women's financial freedom, she wrote this book to help empower women to take a bigger role in handling their money.     Regina has appeared on Schwab TV, Yahoo Finance, Forbes.com, NTD Television, CBS 3 Philadelphia, Fox 29 Philadelphia, King 5 Seattle, KTLA 5 Los Angeles and Scripps News.  She has also been quoted in numerous articles in publications such as Forbes, Business Insider, U.S. News & World Report, Yahoo Finance, USA Today, USA Wire, Word in Black, WTOP News, Mind Body Green, Money Digest, New York Post, Defender, Authority Magazine, GoBankingRates.com, Scripps and The Muse.   As Founder of Forge Wealth Management, Regina utilizes her 25+ years of financial services experience to help individuals plan, preserve and diversify their wealth.  She focuses on educating her clients while building long-term relationships with them and their families.  Her experience throughout major shifts in the markets, enables Regina to structure balanced portfolios to address specific financial goals. CONNECT WITH REGINA   Website: https://www.forgewealth.com LinkedIn: https://www.linkedin.com/in/reginamccannhess/ Facebook: https://www.facebook.com/ForgeWealth Instagram: https://www.instagram.com/forgewealthmanagement/ YouTube: https://www.youtube.com/@ForgeWealth Email: reginahess@forgewealth.com   CONNECT WITH MICHELLE   Website: https://predictiveadvisors.com/ LinkedIn: https://www.linkedin.com/in/michellekozin/ Securities offered through LPL Financial, Member FINRA/SIPC www.finra.org, www.sipc.org   Third-party posts found on this profile do not reflect the view of LPL Financial and have not been reviewed by LPL Financial as to accuracy or completeness.   For a list of states in which I am registered to do business, please visit www.forgewealth.com   

Why 88% of Companies Leave Money on the Table with Per Sjöfors   Find Rocky Lalvani @ www.ProfitComesFirst.com  or email him at rocky@profitcomesfirst.com Make more, work less video: https://youtu.be/   You ran the math on a price increase once. It worked on paper. You still didn't pull the trigger. That hesitation is not a character flaw, and you are not the only owner who has frozen at that exact spot. Per Sjöfors, the Price Whisperer, has spent decades studying why owners who clearly should raise prices behaviorally cannot, and what it costs them every month they wait. In this episode of Profit Answer Man, Per and Rocky get into the behavioral science underneath pricing: why eighty-eight percent of companies leave money on the table, why a small discount does far more damage than owners realize, and how to stop letting a random competitor or a nervous sales rep set your prices for you.   In This Episode: The McKinsey data: why a one percent price increase can produce a six to twenty-one percent profit jump The brutal discount math: discount five percent on a thin margin and you have to double your sales volume to stand still Why you should pay salespeople on gross profit, not revenue The "paradox of price": raising price, volume, and customer satisfaction at the same time How excellent customer service becomes a pricing lever (the Apple support example) The three-tier product method: unique, in-between, and commodity, each priced differently Why AI can analyze your old prices but cannot tell you what to charge tomorrow   Key Takeaways: The flinch is behavioral, not financial. You already know the number. Fixing the behavior is the work. Discounting is more expensive than you think. On a ten to eleven percent margin, a five percent discount forces you to double volume for the same dollars. Pay your sales team on margin so protecting profit is their job, not yours alone. Sort your products into unique, in-between, and commodity, then price each on its own logic. This alone can double a company's margin. AI is backward-looking. It is useful for analyzing history, useless for setting tomorrow's price.   About Per Sjöfors: Per Sjöfors, also known as The Price Whisperer®, is a distinguished American and Swedish national renowned for his expertise in pricing strategy. He is the best-selling author of "A Holistic Approach to Pricing Power" and serves as a member and thought leader at the Forbes Business Council and the C-Suite Hero Club. Recently, Per Sjöfors was recognized as one of the "10 Most Visionary Leaders Making a Difference in 2025" by Inc. Magazine and was also named among the "Top 50 Global Thought Leaders in Sales" by Thinkers360. Notably, CEO View Magazine honored his company, Sjofors & Partners, as one of the Top 50 Most Innovative Companies in 2025. As a prominent public figure, Per Sjöfors frequently appears on podcasts and business radio shows, often providing insightful commentary and quotes in the press. His expertise is widely recognized by publications such as Forbes, Fortune Magazine, Inc. Magazine, Industry Week, Business Insider, and the Financial Times. Per Sjöfors's teaching philosophy centers around empowering executives to propel their companies forward through the application of behavioral science specifically tailored to pricing and go-to-market strategies. His company, Sjofors & Partners, offers intensely practical advice that consistently leads to a doubling of sales growth and a 25% to 40% increase in margins. By providing the necessary growth resources, Per Sjöfors enables companies to reach new heights. Prior to founding Sjofors & Partners, Per Sjöfors dedicated 35 years to executive management, primarily as CEO. During his tenure, he successfully grew companies from inception to eight- and nine-figure revenue in four countries (the United States, the United Kingdom, Switzerland, and Sweden). Additionally, he organized joint venture firms in three other countries (Japan, Taiwan, and Korea) and engaged in business operations across more than forty nations. Further details can be found on their website at https://sjofors.com.   Links: https://www.persjofors.com/ Previous Ep 137 The Price Whisperer, A Holistic Approach to Pricing Power with Per Sjöfors: https://youtu.be/Wvkaslsnepo    Profit Blueprint Calculator I Profit Comes First: https://lp.profitcomesfirst.com/profitblueprintcalc-page   Watch the full episode on YouTube: https://www.youtube.com/@profitanswerman Sign up to be notified when the next cohort of the Profit First Experience Course is available! Free Copy of the Profit Blueprint Book: https://lp.profitcomesfirst.com/landing-page-page  Monthly Newsletter signup: https://lp.profitcomesfirst.com/newsletter-signup Relay Bank (affiliate link): https://relayfi.com/?referralcode=profitcomesfirst Profit Answer Man Facebook group: https://www.facebook.com/groups/profitanswerman/ My podcast about living a richer more meaningful life: http://richersoul.com/ Music provided by Junan from Junan Podcast Any financial advice is for educational purposes only and you should consult with an expert for your specific needs.       

Allie Kelly, Economy Reporter at Business Insider, joins Wendy Snyder, in for Jon Hansen, on Your Money Matters to discuss people who lived on basic income and whether they had a choice about what to do with their money. They also talk about the major challenges US homeowners and renters face in the current market.

Retirement can create an unexpected form of pressure. With more freedom and fewer work constraints, shouldn’t this be the moment when we finally perfect our health, routines, relationships, and long-delayed ambitions? Steve Kamb argues that this all-or-nothing mindset often produces an all-then-nothing result. Steve is the founder of Nerd Fitness and author of How to Try Again. In this conversation, he explains why setbacks are not proof that we are failures; they are information about what to try differently. He shares lessons from the Museum of Failure, reframes treading water as a legitimate success during certain seasons, and makes the case that no one truly returns to square one. Every previous attempt leaves us knowledge and data we can use going forward. If we pay attention. Steve also introduces his PACT framework – Pause, Accept, Change, Try – and explains why permission to start can be more powerful than waiting for confidence. Whether you want to rebuild fitness, develop a new interest, strengthen relationships, or design a more purposeful retirement, this episode offers a compassionate and practical way to begin again. Steve Kamb joins us from Massachusetts. _________________ Time for an Upgrade? The honeymoon period doesn’t last forever in retirement. It dawns on you that there are more Wednesdays ahead than items on your Bucket List. I’ve created a brief online tool to highlight the key areas that need your attention the most. It’s based on what I’ve learned about my clients who thrive in retirement – and what they make sure to get right. The free Retirement Drift assessment takes five minutes. It’s not a report card. No right answers. Just where you stand today and a starting point for the retirement you really want to live. Take the Free Retirement Drift Assessment → “Something was missing and I couldn’t quite put my finger on it. Now I know.” That’s from a podcast listener who took it last week. If you want to get started on working on the new Future You, that’s exactly what the Designing Your New Life in Retirement program is built for. Six group sessions with 6 to 10 people doing the same, and a structured way to move from putting it off to designing. The September cohort is enrolling now with two scheduling options. Learn more here | Sign up here __________________ Bio Steve Kamb is the author of How to Try Again (St. Martin's Press) and Level Up Your Life (Rodale). He's also the founder of Nerd Fitness, a worldwide community of nerds leveling up their lives. Since 2009, he's helped busy people get stronger, live healthier, and build heroic habits. He's published a thousand articles backed by scientific research and full of nerdy references that have been read by tens of millions. Kamb writes a weekly “Level Up with Steve Kamb” newsletter read by more than 100,000 super humans. He's given talks at some of the world's biggest companies and guest lectured at Vanderbilt University. He currently resides in Nashville, TN, where he plays golf decently and music poorly. __________________ For More on Steve Kamb How to Try Again: An Approachable Guide to Navigating Chaos and Making Change THAT STICKS Website __________________ Retirement Podcast Conversations You'll Also Love Self-Compassion – Dr. Kristin Neff How to Begin – Michael Bungay Stanier The Joy of Movement – Kelly McGonigal _______________________ About The Retirement Wisdom Podcast There are many podcasts on retirement, often hosted by financial advisors with their own financial motives, that cover the money side of the street. This podcast is different. You'll get smarter about the investment decisions you'll make about the most important asset you'll have in retirement: your time. About Retirement Wisdom I help people who are retiring, but aren't quite done yet, discover what's next and build their custom version of their next life. A meaningful retirement doesn't just happen by accident. Schedule a call today to discuss how the Designing Your Life process created by Bill Burnett & Dave Evans can help you make your life in retirement a great one — on your own terms. About Your Podcast Host Joe Casey is an executive coach who helps people design their next life after their primary career and create their version of The Multipurpose Retirement.™ He created his own next chapter after a 26-year career at Merrill Lynch, where he was Senior Vice President and Head of HR for Global Markets & Investment Banking. Joe has earned Master's degrees from the University of Southern California in Gerontology (at age 60), the University of Pennsylvania, and Middlesex University (UK), a BA in Psychology from the University of Massachusetts at Amherst, and his coaching certification from Columbia University. In addition to his work with clients, Joe hosts The Retirement Wisdom Podcast, ranked in the top 1% globally in popularity by Listen Notes, with over 2 million downloads. Business Insider recognized Joe as one of 23 innovative coaches who are making a difference. He's the author of Win the Retirement Game: How to Outsmart the 9 Forces Trying to Steal Your Joy. ________________ Wise Quotes On Self Compassion “It’s not how you succeed with discipline, but really how you fail with compassion.” On Mindset “An all or nothing mindset creates all then nothing results.” On Action “Action creates motivation, which creates self-efficacy, which creates more action…You don’t need a membership. You don’t need to make a big deal out of it. You can just put on your shoes and go do it.” ______________________ The views and opinions expressed by guests on The Retirement Wisdom Podcast are solely those of the guests and do not reflect the opinion of the host or Retirement Wisdom, LLC. The Retirement Wisdom Podcast primarily covers the non-financial aspects of retirement. From time to time we may invite guests who discuss other aspects of retirement planning, solely for educational purposes. Listeners are advised to consult qualified financial and/or medical professionals on those matters. Consult your doctor before starting any exercise routine.  

What if taking a risk on yourself didn't require a giant leap — just one small, faithful step?In this episode, Alexandra sits down with Anita Kinoshita — former software engineer turned financial educator, creator of Financial Independence School, and a longtime Grace Space client. Anita reached Coast FI in her early 30s on a $70K salary and now teaches an audience of 300,000+ how to spend mindfully, invest calmly, and design a life they actually want to live. Her story has been featured in Bloomberg, Business Insider, CNBC, and Good Morning America.This is a conversation for the ambitious Christian woman who looks successful on the outside but wonders, "Am I spending my life on the things that actually matter?" Anita shares how faith, clarity, and small consistent steps — not striving — led her to walk away from her 9-5 and build a life aligned with how God designed her.In this episode, you'll learn:• Why a bold risk is really just "a series of steps," not a leap• How to make faith-led decisions with both your head and your heart• The self-concept work that changes everything (and why beliefs drive results)• How Anita uses the Holy Spirit — not just strategy — for direction and clarity• Practical tips for growing on YouTube and Instagram by leading with story• Why consistency and "one small step" compound into a life you love00:00 — Intro06:28 — Anita's Financial Independence (FI) origin story12:58 — The decision to quit her 9-5 and go all-in28:28 — Who Jesus is & faith as the foundation35:06 — Redefining early retirement & vision for the future39:46 — Social media growth tips (Instagram series, YouTube strategy)48:38 — Story of a failed high-ticket offer launch & lessons learned55:08 — Prayer request & closing prayer58:55 — Outro & call to actionYou can connect more with Anita through her community: https://www.skool.com/fischool/aboutVisit Anita's YouTube:https://www.youtube.com/channel/UCcc-7ao2-KqajDIxhuQlv5g

Business Insider founder Henry Blodgett unpacks why the era of news aggregation is finished and why journalists must adapt fast as AI redefines both reporting and analysis. If you care about the future of information, you'll want to hear this. Anatomy of a Frontier Lab Agent Intrusion: A Technical Timeline of the July 2026 Incident Sam Altman says we are in the singularity: 'This is the moment' AI arms race in line for a reckoning after OpenAI hacking incident Senior White House official claims China's K3 model stolen from Anthropic OpenAI makes ChatGPT Health available to all US users A.I. Companies Are Recruiting Electricians and Carpenters by the Thousands Trump administration to ban new Chinese robots and inverters, protecting U.S. AI Why AI Needs a "Genie Coefficient" Behind the Curtain: The AI titans' biggest private fear The FTC Would Like To Decide Which AI Answers Are Too Woke, And Is Calling That Consumer Protection Google shuts down its Nobel-prize winning AlphaFold project as it focuses on Gemini DeepMind paper says LLMs won't be good at scientific discovery: LLMs can't jump Amazon overhauls its AI strategy, winding down most flagship models An ESP32 based plane radar The Tick That Hunts Down Its Hosts—Including Us prompt-injection resumes The McLuhan Marshalling Machine Hosts: Leo Laporte, Jeff Jarvis, and Paris Martineau Guest: Henry Blodget Download or subscribe to Intelligent Machines at https://twit.tv/shows/intelligent-machines. Join Club TWiT for Ad-Free Podcasts! Support what you love and get ad-free audio and video feeds, a members-only Discord, and exclusive content. Join today: https://twit.tv/clubtwit Sponsor: rippling.ai/machines

Business Insider founder Henry Blodget unpacks why the era of news aggregation is finished and why journalists must adapt fast as AI redefines both reporting and analysis. If you care about the future of information, you'll want to hear this. Anatomy of a Frontier Lab Agent Intrusion: A Technical Timeline of the July 2026 Incident Sam Altman says we are in the singularity: 'This is the moment' AI arms race in line for a reckoning after OpenAI hacking incident Senior White House official claims China's K3 model stolen from Anthropic OpenAI makes ChatGPT Health available to all US users A.I. Companies Are Recruiting Electricians and Carpenters by the Thousands Trump administration to ban new Chinese robots and inverters, protecting U.S. AI Why AI Needs a "Genie Coefficient" Behind the Curtain: The AI titans' biggest private fear The FTC Would Like To Decide Which AI Answers Are Too Woke, And Is Calling That Consumer Protection Google shuts down its Nobel-prize winning AlphaFold project as it focuses on Gemini DeepMind paper says LLMs won't be good at scientific discovery: LLMs can't jump Amazon overhauls its AI strategy, winding down most flagship models An ESP32 based plane radar The Tick That Hunts Down Its Hosts—Including Us prompt-injection resumes The McLuhan Marshalling Machine Hosts: Leo Laporte, Jeff Jarvis, and Paris Martineau Guest: Henry Blodget Download or subscribe to Intelligent Machines at https://twit.tv/shows/intelligent-machines. Join Club TWiT for Ad-Free Podcasts! Support what you love and get ad-free audio and video feeds, a members-only Discord, and exclusive content. Join today: https://twit.tv/clubtwit Sponsor: rippling.ai/machines

Business Insider founder Henry Blodget unpacks why the era of news aggregation is finished and why journalists must adapt fast as AI redefines both reporting and analysis. If you care about the future of information, you'll want to hear this. Anatomy of a Frontier Lab Agent Intrusion: A Technical Timeline of the July 2026 Incident Sam Altman says we are in the singularity: 'This is the moment' AI arms race in line for a reckoning after OpenAI hacking incident Senior White House official claims China's K3 model stolen from Anthropic OpenAI makes ChatGPT Health available to all US users A.I. Companies Are Recruiting Electricians and Carpenters by the Thousands Trump administration to ban new Chinese robots and inverters, protecting U.S. AI Why AI Needs a "Genie Coefficient" Behind the Curtain: The AI titans' biggest private fear The FTC Would Like To Decide Which AI Answers Are Too Woke, And Is Calling That Consumer Protection Google shuts down its Nobel-prize winning AlphaFold project as it focuses on Gemini DeepMind paper says LLMs won't be good at scientific discovery: LLMs can't jump Amazon overhauls its AI strategy, winding down most flagship models An ESP32 based plane radar The Tick That Hunts Down Its Hosts—Including Us prompt-injection resumes The McLuhan Marshalling Machine Hosts: Leo Laporte, Jeff Jarvis, and Paris Martineau Guest: Henry Blodget Download or subscribe to Intelligent Machines at https://twit.tv/shows/intelligent-machines. Join Club TWiT for Ad-Free Podcasts! Support what you love and get ad-free audio and video feeds, a members-only Discord, and exclusive content. Join today: https://twit.tv/clubtwit Sponsor: rippling.ai/machines

Typos and misprints are as old as writing and printing. This hour, we take a look at them from the "Wicked Bible" to National Park signs and your email inbox. And: the changing status of human typos in the age of AI. GUESTS: Rachel Churner: Art critic, editor, and professor. She is a co-curator with Geoff Kaplan of the exhibit “Beauties of My Style: Errata and the Printed Mistake” at Yale’s Sterling Memorial Library. She is the co-founder of no place press and currently serves as the director of the Carolee Schneemann Foundation Jeff Deck: Writer, writing coach and co-author with Benjamin D. Herson of The Great Typo Hunt: Two Friends Changing the World, One Correction at a Time Katie Notopoulos: Senior correspondent at Business Insider who writes about technology, business, and culture Music featured (in order): The Typewriter – Leroy Anderson and “His” Orchestra Typos – The Incredible Casuals Oops!... I Did It Again – Britney Spears Apostrophe – The Doubleclicks S-E-X-X-Y – They Might Be Giants To Make a Mistake Is Human – Ella Fitzgerald Support the show: http://www.wnpr.org/donateSee omnystudio.com/listener for privacy information.

Business Insider founder Henry Blodgett unpacks why the era of news aggregation is finished and why journalists must adapt fast as AI redefines both reporting and analysis. If you care about the future of information, you'll want to hear this. Anatomy of a Frontier Lab Agent Intrusion: A Technical Timeline of the July 2026 Incident Sam Altman says we are in the singularity: 'This is the moment' AI arms race in line for a reckoning after OpenAI hacking incident Senior White House official claims China's K3 model stolen from Anthropic OpenAI makes ChatGPT Health available to all US users A.I. Companies Are Recruiting Electricians and Carpenters by the Thousands Trump administration to ban new Chinese robots and inverters, protecting U.S. AI Why AI Needs a "Genie Coefficient" Behind the Curtain: The AI titans' biggest private fear The FTC Would Like To Decide Which AI Answers Are Too Woke, And Is Calling That Consumer Protection Google shuts down its Nobel-prize winning AlphaFold project as it focuses on Gemini DeepMind paper says LLMs won't be good at scientific discovery: LLMs can't jump Amazon overhauls its AI strategy, winding down most flagship models An ESP32 based plane radar The Tick That Hunts Down Its Hosts—Including Us prompt-injection resumes The McLuhan Marshalling Machine Hosts: Leo Laporte, Jeff Jarvis, and Paris Martineau Guest: Henry Blodget Download or subscribe to Intelligent Machines at https://twit.tv/shows/intelligent-machines. Join Club TWiT for Ad-Free Podcasts! Support what you love and get ad-free audio and video feeds, a members-only Discord, and exclusive content. Join today: https://twit.tv/clubtwit Sponsor: rippling.ai/machines

Send us Fan MailC4 Leaders – the ONLY nonprofit to utilize the pizza making process to create space for our companions to be seen, heard, and loved.   We work with businesses, sports teams, hospitals, churches…anyone looking to RISE TOGETHER.  We also write children's books and use the most amazing handmade, hand-tossed, sourdough pizza to bring out the best in each other.   Please check out c4leaders.org to support our important work. Season 6 Episode #25 Ludovica Colella is coming from Naples, Italy (inform, inspire, & transform)You can find Ludovica via her website lu-cole.com.   Change, Grow, Become!Ludovica is a CBT-trained psychotherapist and confidence coach specializing in people-pleasing, fawning, and self-abandonment. She works with high-functioning women who are exhausted from over-giving and living for everyone else's approval — and helps them build boundaries that actually hold. Featured in Forbes, Newsweek, Business Insider, and VeryWellMind, Ludovica brings both clinical expertise and lived experience to every conversation. She's the founder of LuCole LTD and has worked with clients globally. Her core question: why do intelligent, self-aware people keep repeating the same patterns even when they know exactly what they should do?  That question and many more will be answered on today's podcast.  Ludovica, thanks for sharing your gifts and talents with people all over the world, thanks for taking your pain and turning it into your purpose and thanks for being our guest on Life's Essential Ingredients…welcome to the show.TOTD – “Character cannot be developed in ease and quiet. Only through experience of trial and suffering can the soul be strengthened, vision cleared, ambition inspired, and success achieved.”― Helen KellerBuild a habit - to create intention - to live your purpose!In this episode:Have to talk pizza first…What was life like growing up?Groomed to Care as a child…Being Empathic but with boundaries…Understanding Patterns, Where they came from, what they are protecting you from, and how to start doing things different in moments that matter…Looking at the beliefs underneath the behavior…the ones that feel so true you never questioned them (my needs are too much, I'm only lovable when I am useful, if I disagree they'll leave…People Pleasers – good at what you do but running on empty, say yes but then are resentful and guilty about being resentful, hard to say NO, know what to do but doing is difficult, put in the work but something still isn't shifting your behaviorEmotional HypervigilanceOverthinking Text Messages in RelationshipsFawning Trauma Response – what is it – giving excessive insincere praise….Rewriting Your Story…The power of healthy anger..Why People Pleasers Attracting Emotionally Unavailable PartnersConditioning and how can we rewrite that story…Intuition and Belief…Self Awareness…Learning to say NO and set up BoundariesCongrats on your journal you wrote…THE FEEL GOOD JOURNAL…Healing…

Business Insider founder Henry Blodget unpacks why the era of news aggregation is finished and why journalists must adapt fast as AI redefines both reporting and analysis. If you care about the future of information, you'll want to hear this. Anatomy of a Frontier Lab Agent Intrusion: A Technical Timeline of the July 2026 Incident Sam Altman says we are in the singularity: 'This is the moment' AI arms race in line for a reckoning after OpenAI hacking incident Senior White House official claims China's K3 model stolen from Anthropic OpenAI makes ChatGPT Health available to all US users A.I. Companies Are Recruiting Electricians and Carpenters by the Thousands Trump administration to ban new Chinese robots and inverters, protecting U.S. AI Why AI Needs a "Genie Coefficient" Behind the Curtain: The AI titans' biggest private fear The FTC Would Like To Decide Which AI Answers Are Too Woke, And Is Calling That Consumer Protection Google shuts down its Nobel-prize winning AlphaFold project as it focuses on Gemini DeepMind paper says LLMs won't be good at scientific discovery: LLMs can't jump Amazon overhauls its AI strategy, winding down most flagship models An ESP32 based plane radar The Tick That Hunts Down Its Hosts—Including Us prompt-injection resumes The McLuhan Marshalling Machine Hosts: Leo Laporte, Jeff Jarvis, and Paris Martineau Guest: Henry Blodget Download or subscribe to Intelligent Machines at https://twit.tv/shows/intelligent-machines. Join Club TWiT for Ad-Free Podcasts! Support what you love and get ad-free audio and video feeds, a members-only Discord, and exclusive content. Join today: https://twit.tv/clubtwit Sponsor: rippling.ai/machines

The excitement surrounding a major IPO like SpaceX can make it feel like you need to act quickly or risk being left behind. But popularity alone does not make an investment right for your portfolio. This week, Regina breaks down the questions to ask before investing in an IPO, including how much risk you can handle, what purpose the investment would serve, and what you may need to give up to make room for it. She also explains how newly public companies can eventually affect your retirement savings through the index funds inside your 401(k).   Episode Highlights:   0:00 - Introduction 1:32 - Why hype does not make an investment right for you 3:21 - What an IPO is and why prices can be volatile 4:35 - Preparing for upcoming AI-related IPOs 6:02 - Could you handle a major drop in the stock? 6:54 - What purpose would the investment serve? 7:27 - Understanding the financial trade-offs 8:58 - How IPOs can affect your 401(k) 10:19 - Potential inclusion in the S&P 500 13:26 - AI, investing, and long-term uncertainty 16:13 - Episode wrap-up    ABOUT REGINA MCCANN HESS   Regina is the author of Super Woman Wealth: How to Become Your Own Financial Hero.  As an advocate for women's financial freedom, she wrote this book to help empower women to take a bigger role in handling their money.     Regina has appeared on Schwab TV, Yahoo Finance, Forbes.com, NTD Television, CBS 3 Philadelphia, Fox 29 Philadelphia, King 5 Seattle, KTLA 5 Los Angeles and Scripps News.  She has also been quoted in numerous articles in publications such as Forbes, Business Insider, U.S. News & World Report, Yahoo Finance, USA Today, USA Wire, Word in Black, WTOP News, Mind Body Green, Money Digest, New York Post, Defender, Authority Magazine, GoBankingRates.com, Scripps and The Muse.   As Founder of Forge Wealth Management, Regina utilizes her 25+ years of financial services experience to help individuals plan, preserve and diversify their wealth.  She focuses on educating her clients while building long-term relationships with them and their families.  Her experience throughout major shifts in the markets, enables Regina to structure balanced portfolios to address specific financial goals.   CONNECT WITH REGINA   Website: https://www.forgewealth.com LinkedIn: https://www.linkedin.com/in/reginamccannhess/ Facebook: https://www.facebook.com/ForgeWealth Instagram: https://www.instagram.com/forgewealthmanagement/ YouTube: https://www.youtube.com/@ForgeWealth Email: reginahess@forgewealth.com Securities offered through LPL Financial, Member FINRA/SIPC www.finra.org, www.sipc.org Third-party posts found on this profile do not reflect the view of LPL Financial and have not been reviewed by LPL Financial as to accuracy or completeness.   This material was prepared by Snappy Kraken   For a list of states in which I am registered to do business, please visit www.forgewealth.com. Hartford Funds is not affiliated with, nor endorsed by LPL Financial, Private Advisor Group, or Forge Wealth Management  

We've been sold the same story for years. Eat less, move more, and your weight will take care of itself. But if that formula worked, most of us wouldn't still be stuck. In this episode, I sit down with Dr. Meghan Garcia-Webb, a physician board certified in internal medicine, lifestyle medicine, and obesity medicine, to talk about what health actually means and why the all-or-nothing approach was never built for how we really live. We get into my own health scare, the moment I decided to try a GLP-1 medication, and what nobody tells you about the mental noise around food until it's finally quiet. Dr. Meghan brings the clinical side, I bring the lived experience, and together we unpack what's really going on underneath the number on the scale. Here's what we cover: The real reason "calories in, calories out" keeps failing so many people, and what actually works instead What food noise is, and why most of us have no idea how much of it we're carrying until it stops What to watch for if you're considering a GLP-1, and the one thing that matters more than the scale If you've ever felt like you were doing everything "right" and still not getting anywhere, this conversation is for you. Check out the full episode page: https://thelituplife.com/post/healthy-is-easier-than-you-think-weight-loss-food-noise Meet Dr. Meghan Garcia-Webb Meghan Garcia-Webb, MD is triple board-certified in internal medicine, lifestyle medicine, and obesity medicine. She produces a weekly YouTube series, "Weight Medicine with Dr. Meghan MD," and provides weight loss coaching to help people fix the One Big Thing blocking their weight loss. Her innovative private practice (www.weightmedicinemd.com) combines concierge weight medicine with life coaching, and she is also an internist at an academic medical center in Boston, MA. Dr. Garcia-Webb has been featured in GQ, Time, Business Insider, Newsweek, The New York Post, and Men's Health, as well as on NBC and Fox News. Website: www.weightmedicinemd.com YouTube: https://www.youtube.com/@WeightMedicinewithDrMeghanMD/videos Helpful Links

Jia Jiang explains his four-step framework for making discipline and success easier.— YOU'LL LEARN — 1) The problem with hard discipline 2) How to make your goals feel easy and enjoyable 3) Two handy tips to defeat procrastinationSubscribe or visit AwesomeAtYourJob.com/ep1170 for clickable versions of the links below. — ABOUT JIA — Jia Jiang is an award-winning speaker, entrepreneur, and the bestselling author of Rejection Proof. As a keynote speaker, Jiang has spoken at corporate and industry events and in front of 400,000+ live audiences. His TED talk has millions of views and is ranked in the top 1% among all TED talks. Jiang is also the owner of Rejection Therapy, which helps people overcome their fear of rejection and develop mental resilience. His work has been featured in Time, CNN, Today, Business Insider, The Guardian, Wired, and more.• Book: Easy Discipline: An Unconventional Way to Achieve Ambitious Things• TED Talk: What I Learned from 100 Days of Rejection | Jia Jiang | TED• Video series: 100 Days of Rejection Therapy• Substack: Easy Ambition— RESOURCES MENTIONED IN THE SHOW — • Book: How to Win Friends & Influence People by Dale Carnegie• Book: Go for No! Yes is the Destination, No is How You Get There by Richard Fenton and Andrea Waltz• Book: Made to Stick: Why Some Ideas Survive and Others Die by Chip Heath and Dan Heath• YouTube: Caroline Girvan• Game: Slay the Spire II• Past episode: 016: Going for No with Andrea Waltz• Past episode: 1167: Mastering the Three Elements of Charisma with Olivia Fox Cabane— THANK YOU SPONSORS! — • Shopify. Sign up for your free trial at Shopify.com/awesomepod• Monarch. Get 50% off your first year with code AWESOME at Monarch.comSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

How clear are you about what you’re retiring to? Our next group program starts in September and is limited to 10 people. The Early Registration discount ends on July 31st. Learn more here. Reserve your spot today. ________________________ We spend years letting our pace be set for us, by employers and the calendar. Then retirement arrives and, for the first time, the tempo is ours to choose. In this conversation, science journalist Elizabeth Svoboda, author of The Art of Pacing, argues that most of us get can stuck oscillating between two extremes — the perpetual sprint and complete disengagement — and that the real skill is learning to move across a range of paces with intention. Elizabeth shares interesting and useful ideas, including “rigid flexibility” (from an Olympic runner), smart circadian-rhythm energy management, the freedom that “selective mediocrity” can create, and how identity can get intertwined with the pace we keep.  It’s a conversation about doing less of what drains you, so you have more for what matters most. Elizabeth Svoboda joins us from California. _________________________ Bio Elizabeth Svoboda is the author of The Art of Pacing: A Guide to Balancing Short-Term Demands with Long-Term Thriving. She is an award-winning science writer and contributor to Scientific American, Discover, The Boston Globe, The New York Times, and other publications. Elizabeth is a winner of the Evert Clark/Seth Payne Award for Young Science Writers, and her work has been anthologized in the Best American Science and Nature Writing series. She lives in San Jose, California, with her husband and young sons. ________________________ For More on Elizabeth Svoboda The Art of Pacing: A Guide to Balancing Short-Term Demands with Long-Term Thriving Website _______________________ How Ready are You for Your New Life in Retirement? Take this free 5-minute assessment to identify which areas may need your attention: Not retired yet, but I want to design a meaningful life I’m in retirement, but maybe I could use an upgrade _______________________ Retirement Podcast Conversations You’ll Also Love How to Flourish…in Retirement – Daniel Coyle Happier Hour – Cassie Holmes, PhD Will You Flourish or Languish? – Corey Keyes Taming The Molecule of More – Michael Long _______________________ About The Retirement Wisdom Podcast There are many podcasts on retirement, often hosted by financial advisors with their own financial motives, that cover the money side of the street. This podcast is different. You'll get smarter about the investment decisions you'll make about the most important asset you'll have in retirement: your time. About Retirement Wisdom I help people who are retiring, but aren't quite done yet, discover what's next and build their custom version of their next life. A meaningful retirement doesn't just happen by accident. Schedule a call today to discuss how the Designing Your Life process created by Bill Burnett & Dave Evans can help you make your life in retirement a great one — on your own terms. About Your Podcast Host Joe Casey is an executive coach who helps people design their next life after their primary career and create their version of The Multipurpose Retirement.™ He created his own next chapter after a 26-year career at Merrill Lynch, where he was Senior Vice President and Head of HR for Global Markets & Investment Banking. Joe has earned Master's degrees from the University of Southern California in Gerontology (at age 60), the University of Pennsylvania, and Middlesex University (UK), a BA in Psychology from the University of Massachusetts at Amherst, and his coaching certification from Columbia University. In addition to his work with clients, Joe hosts The Retirement Wisdom Podcast, ranked in the top 1% globally in popularity by Listen Notes, with over 2 million downloads. Business Insider recognized Joe as one of 23 innovative coaches who are making a difference. He's the author of Win the Retirement Game: How to Outsmart the 9 Forces Trying to Steal Your Joy. _________________________ Wise Quotes On Reassessing Your Pace “So much of our identities tend to be wrapped up in the pace we keep. As you're contemplating retirement or just embarking on it, it's a good time for a big-picture pace reassessment.” On Flourishing “Set a pace that is right for you and that leads you toward personally flourishing.” On Selective Mediocrity “You have to avoid over-extracting your own resources. By conserving energy on less essential things, you have more energy to devote to the things that matter most.”  

Detroit is the most stressed city in the country according to Business Insider

We continue our discussion after Business Insider ranked Detroit as the most stressed city in the country

1. Olandria Breaks Silence Amid Reported Split From Nic After DeuxMoi Circulates New Dating Rumors (Cosmopolitan) (21:02) 2. Kylie Kelce details Taylor Swift and Travis' ‘absolutely magical' wedding (Page Six) (35:51) 3. Kim Kardashian is using her bar exam failure to sell energy drinks (Business Insider) (39:19) 4. Jerry O'Connell Admits He Was ‘Terrible Boyfriend' to Ex Giuliana Rancic, Explains Dumping Her over Intercom (PEOPLE) (48:53) 5. Tom Holland Is Filming Fred Astaire Biopic Next and Plans to ‘Do All of the Dancing' Himself: ‘I've Got So Much Work to Do' (Variety) (57:18) The Toast with Jackie (@JackieOshry) and Claudia Oshry (@girlwithnojob) ⁠The Toast Patreon ⁠⁠  ⁠⁠Toast Merch⁠⁠ ⁠⁠Girl With No Job by Claudia Oshry⁠⁠ ⁠⁠The Camper & The Counselor⁠⁠ ⁠⁠Lean In⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

“I tell composers to collaborate with a poet who takes their craft as seriously as they take their craft. It's a very rare creative who can do both well. What most often happens is a really good composer isn't a very good poet, or a very good poet is a mediocre composer. One side of that creative process will lose. That's why I love to collaborate, because you bring in a separate creative mind who has different standards and who takes their craft just as seriously. It keeps both sides intellectually honest, able to not lose objectivity.”Acclaimed as "the preeminent choral lyricist of our time," poet, author, composer, and clinician Charles Anthony Silvestri specializes in providing bespoke poetry for choral composers, especially texts in Latin, both sacred and secular. He is the author of more than seventy published works in collaboration with over a hundred composers worldwide, including celebrated composers such as Eric Whitacre, Dan Forrest, Ola Gjeilo, Christopher Tin, and Kim Andre Arnesen; and for groups such as the King's Singers, VOCES8, San Francisco Gay Men's Chorus, and the Tallis Scholars.   As a clinician, Silvestri speaks to choirs about his works, the creative process, and about his collaborative relationships with composers. He has given live and webcast presentations at Lincoln Center, the Kennedy Center, Disney Hall, and at universities and schools around the country.   His poems for Eric Whitacre's Sleep and Leonardo Dreams of His Flying Machine have also been published as children's books. He is also the author of A Silver Thread (GIA 2019), a retrospective of almost 20 years of his lyric poetry; and his essays have been published by Business Insider and The Huffington Post. Silvestri's words have been sung by thousands of choirs around the world, and have been heard on television, radio, and Grammy-winning recordings.​In addition to writing choral lyrics, Silvestri is also an accomplished artist/painter. He is an aficionado of Irish traditional music and plays concertina in a trad band and at pub sessions around the world. Retired from the classroom in 2025, he is a veteran teacher with almost four decades of experience teaching kindergarten through college. He currently lives, writes, and makes music in Lawrence, Kansas.To get in touch with Tony, you can find him on Facebook (@CharlesAnthonySilvestri) or Instagram (@tony_silvestri) or visit his website, charlesanthonysilvestri.com/Email choirfampodcast@gmail.com to contact our hosts.Podcast music from Podcast.coPhoto in episode artwork by Trace Hudson

When society says "it's just a pet," Beth Bigler says "your grief is valid and profound."As a double-certified Pet Loss Grief Counselor and founder of Honoring Our Animals, Beth is a pioneering voice in pet loss support, offering personalized care to individuals and families before, during, and after their beloved's transition. After the sudden death of her soulmate cat Arnie, she transformed her loss into a mission they began together: guiding guardians to honor their grief, connect with their beloveds, and integrate loss into their lives.Beth is the author of Honoring Our Animals: 365 Meditations for Healing After Pet Loss (Quarto/Wellfleet Press, 2025), the first daily grief companion created specifically for pet guardians, available worldwide and a go-to resource for therapists, veterinary clinics, and animal care organizations. Her second book is forthcoming from HarperCollins in 2027. She has been featured in Forbes, Psychology Today, The Sunday Times, USA Today, Business Insider, Daily Mail, and numerous television and radio outlets including KFI AM 640. Beth also built a 20-year career breaking ground as a writer, producer, and educator across stage, film, and television. Find her on Instagram @honoringouranimals.In this episode, we discuss the complexity of pet loss and grief that can follow. We discuss the societal judgment around grieving animals, why grief does not need to be justified or compared, and why loss of a pet can feel more painful than other losses for some.We hold space for the valid, complex emotions that can come with pet loss and remind listeners that there is no "one right way" to grieve. We touch on the beauty of bonding more deeply with certain animals and discuss the guilt that can arise when bringing a new pet after a loss. In addition, we discuss being able to hold space for both grief and love at the same time.We hope this episode can provide support, validation, compassion, understanding, and hope for those who need it.FOLLOW BETH:INSTA: @honoringouranimalsWEBSITE: www.honoringouranimals.comBOOK: Honoring Our Animals: 365 Meditations for Healing after Pet Loss STAY CONNECTED:INSTA: @trustandthriveTIKOK: @trustandthriveTHREADS: @trustandthriveFACEBOOK: bit.ly/FBtaramontEMAIL: trustandthrive@gmail.com

Shane and Ethan are back for another week, this time with gin and tonics and World Cup jerseys. Episode 196 covers a Wall Street Journal piece on the AI backlash, which has tech executives hiring bodyguards, installing security measures, and concealing where they work as public sentiment toward AI turns sharply negative. They also dig into Trump's 50% tariff on Canadian goods using a 1930s trade law, the blockbuster wave of new stock issuances that is raising questions about the bull market, and a Business Insider piece on why working moms with children under five are dropping out of the labor force at an alarming rate and what it would actually take to fix it. They close with a Reddit post from someone in the Rich People Personal Finance subreddit who wants exposure to private companies like Anthropic, Stripe, and Eleven Labs through a private-market fund charging 1.5% plus 15% of profits. Shane and Ethan have thoughts on whether that itch is worth scratching. Topics covered: AI backlash and why tech executives are hiring bodyguards and concealing where they work The sevenfold increase in online threats against AI company employees Trump's 50% tariff on Canadian goods and the 1930 Trade Act Blockbuster stock issuances and what they mean for the bull market Working moms with children under five are dropping out of the labor force The childcare desert problem and what employer and government solutions could look like Private market funds: the fees, the FOMO, and whether it is worth it Timestamps: 00:00 Intro, World Cup jerseys, gin and tonics, and The Odyssey review 05:45 AI backlash: tech executives are hiring bodyguards and hiding where they work 09:10 The sevenfold increase in online threats and the DeFlock movement 13:30 Trump imposes a 50% tariff on Canadian goods using a 1930 trade law 17:45 Blockbuster stock issuances and what they mean for the bull market 21:30 Working moms with children under five are dropping out of the labor force 24:00 The childcare desert problem and Shane's hot take on employer-funded solutions 28:15 The man who runs both the IRS and Social Security spied on colleagues at JPMorgan 29:30 Reddit: Should you get exposure to Anthropic and Stripe through a private market fund?

A lo largo de los últimos 25 años los medios y Google han mantenido un pacto tácito que beneficiaba a ambos. Los editores dejaban que sus contenidos fueran indexados por el buscador y, a cambio, recibían visitas que se convertían en publicidad, suscripciones y salarios para los periodistas. Ese acuerdo se está desmoronando a gran velocidad y ha pillado a la industria informativa con el pie cambiado. El causante es la inteligencia artificial generativa. Antes el usuario tecleaba una pregunta, obtenía una lista de enlaces y pinchaba en alguno para encontrar la respuesta. Con ese sistema el posicionamiento en los buscadores era fundamental para cualquier editor. Ahora el propio buscador da la respuesta ya masticada en lo alto de la página sin necesidad de acudir a ningún otro sitio. Google está dejando de ser un motor de búsqueda para convertirse en un motor de respuestas. No hay medio de comunicación que no lo haya notado. El tráfico orgánico proveniente de Google del Huffington Post y del Washington Post ha caído a aproximadamente a la mitad en los últimos 3 años. Business Insider se ha hundido un 55% desde 2022 y ha tenido que despedir al 20% de su plantilla. La revista People ha pasado del 60% al 30% de visitas procedentes de Google. Las webs pequeñas han sufrido lo mismo y muchas han terminado cerrando. Dos movimientos de Google han agravado aún más el problema: los AI Overviews, resúmenes automáticos colocados sobre los resultados, y el AI Mode, que responde como un chatbot y ofrece muchos menos enlaces. Los editores están reaccionando en varios frentes. En el frente técnico tratan de poner nuevas barreras contra los rastreadores porque el viejo Robots.txt ya no disuade a unos robots que suponen más de la mitad del tráfico de la red. El segundo frente son los tribunales. Penske Media, editora de Rolling Stone, Variety o Billboard, es la primera gran empresa periodística que lleva a Google ante un juez por la vía antimonopolio. Denuncian que sus ingresos por afiliación se han desplomado más de un tercio desde finales de 2024. Se encuentran realmente ante una trampa ya que cada artículo publicado alimenta a la máquina que después roba las visitas, pero bloquear al buscador equivale a desaparecer del principal escaparate. El tercer frente, el de los acuerdos comerciales, parece contradictorio de primeras. El New York Times está pleiteando contra OpenAI y, al mismo tiempo, licencia su material a Amazon. News Corp ha firmado un acuerdo con OpenAI mientras algunas de sus filiales han demandado a Perplexity. La industria no sabe aún si el futuro pasa por cobrar peaje, por litigar o por ambas cosas. El marco legal sigue abierto y sus primeras decisiones no favorecen del todo a los editores. Ante semejante incertidumbre algunos medios ya vislumbran un futuro sin Google y eso les está llevando a apostar por los boletines personalizados, las suscripciones y los actos presenciales, una vuelta a la relación directa con el lector. Desconocemos por dónde irá esto, pero lo que salga de aquí determinará el aspecto de internet en unos años. Lo que no volverá es aquel viejo pacto tácito porque Google ha cambiado y ahora se parece más a un chatbot cuyo único objetivo es que no salgas de ahí. En La ContraRéplica: 0:00 Introducción 3:47 La rebelión de los medios 36:16 Las restricciones del aire acondicionado en Europa 43:54 El aire acondicionado en Estados Unidos 48:17 El SaaSpolalipsis · Canal de Telegram: https://t.me/lacontracronica · “Contra el pesimismo”… https://amzn.to/4m1RX2R · “Hispanos. Breve historia de los pueblos de habla hispana”… https://amzn.to/428js1G · “La ContraHistoria del comunismo”… https://amzn.to/39QP2KE · “La ContraHistoria de España. Auge, caída y vuelta a empezar de un país en 28 episodios”… https://amzn.to/3kXcZ6i · “Contra la Revolución Francesa”… https://amzn.to/4aF0LpZ · “Lutero, Calvino y Trento, la Reforma que no fue”… https://amzn.to/3shKOlK Apoya La Contra en: · Patreon... https://www.patreon.com/diazvillanueva · iVoox... https://www.ivoox.com/podcast-contracronica_sq_f1267769_1.html · Paypal... https://www.paypal.me/diazvillanueva Sígueme en: · Web... https://diazvillanueva.com · Twitter... https://twitter.com/diazvillanueva · Facebook... https://www.facebook.com/fernandodiazvillanueva1/ · Instagram... https://www.instagram.com/diazvillanueva · Linkedin… https://www.linkedin.com/in/fernando-d%C3%ADaz-villanueva-7303865/ · Flickr... https://www.flickr.com/photos/147276463@N05/?/ · Pinterest... https://www.pinterest.com/fernandodiazvillanueva Encuentra mis libros en: · Amazon... https://www.amazon.es/Fernando-Diaz-Villanueva/e/B00J2ASBXM #FernandoDiazVillanueva #prensa #ia Escucha el episodio completo en la app de iVoox, o descubre todo el catálogo de iVoox Originals

We are all in the doom loop of what has become known as the ‘annoyance economy’.  You know the drill–long hold times on calls and the ‘friendly’ AI assistant unwilling to get you to a human, hidden junk fees, voluminous spam offers, health insurance wrangling that pits you against health care giants, corporate-friendly cancellation processes that are designed to make you throw up your hands and pay the damn bill regardless of the validity of your claim, airline policies from ‘budget’ carriers that are anything but (and it’s impossible to navigate their websites or talk to a human) and subscriptions that seemingly never end.  While it may be a source of amusement in conversations with friends, the projected costs to us in time and money are projected to be $165 billion a year. The frustrations are becoming so universal, based on the polling, that some politician who wants to run on these issues would have a powerful platform. Joining us today to discuss the ever- growing annoyance economy is Juliana Kaplan, a senior labor and inequality reporter at BUSINESS INSIDER.  You’ll serve as an amen choir once we point out the abuses that create frustrations beyond measure in today’s fast digitizing economy.  By the way the term itself annoyance economy, was coined by Neale Mahoney, a Stanford economist, and Chad Maisel, a policy fellow at Groundwork Collaborative, a progressive research organization.

Re-released episode from August 2025. The fear of being seen stops us from going after our dreams. But the fear of being seen as an "influencer" is preventing you from making an impact, which is what you really want to do. Our favorite online personalities make an impact on us. It's time to let go of your fear and build the online business you'll be proud of.  Lissette Calveiro is a Latina entrepreneur, content creator, and business coach for influencers and personal brands navigating the creator economy with intention. As the founder of Influence With Impact®, she leads a creator-first consultancy offering business coaching, talent management, and strategic education to help creators turn influence into income without losing the human behind the brand. With over a decade in the creator economy, Lissette is also a seasoned influencer marketing expert who has managed more than $5 million in brand partnerships across CPG, finance, lifestyle, and tech. She has been featured in Forbes, Business Insider, and Fortune, and is a speaker who brings real talk and real strategy to every stage, including VidCon, Instagram Creator Week, Create and Cultivate, Google HQ, and the White House's first Creator Economy Summit. She is known for bridging the gap between creators and the industry, bringing transparency to monetization, negotiation, and sustainable growth. Offline, you'll find her sipping iced matcha, singing with her daughter, starting another DIY home project, or being loud (on purpose) about the issues that matter to her community. In this week's episode, Lissette tells us all about how she built her online business with influence and impact. At first, she was afraid of starting her own business. She even once claimed that she's never been a business owner. But she saw a lack of creator advocacy in influencing marketing spaces and wanted to change that. Now she's sharing everything she knows about influencer marketing - including contract details, creator rates, and how to get started as a new creator. Tune in to hear all this and more, now!  Follow Lissette on: IG: @lissettecalv LinkedIn: @Lissette Calveiro Website: https://influencewithimpact.co/    Follow Erika on: Instagram @‌theerikacruzTikTok @‌theerikacruzLinkedIn Website: http://www.theerikacruz.com How to work with Erika: Join the waitlist for the Courage Driven Latina program here! Join the waitlist for the Magnetic Mastermind here.   Podcast production for this episode was provided by CCST, an Afro-Latina-owned boutique podcast production and copywriting studio.

THIS was the most fascinating conversation!!!When you hear what I've got for you today, I think you're in for a surprise - a completely new way of thinking about private practice.I don't know about you, but it seems to me that - in general - we all assume that growth means seeing more clients, working longer hours, or opening another office. Because - what else could you do, right?Well — what if there were another way?I'm bringing back this favorite for our Summer Replay Series, when I spoke with Dr. Ajita Robinson, a grief and trauma therapist who has built an extraordinary mental health organization by thinking differently. Through strategic partnerships, genuine relationships, and an unwavering commitment to serving others well, she's created an 8-figure practice without sacrificing the life she's building.And yet - this conversation isn't really about building an 8-figure business.It's about building a business that's aligned with who you are.Along the way, Dr. Robinson shared how her early career in pharmaceutical sales unexpectedly prepared her for private practice (that's a funny story!), why people don't want to be sold to (they want to be served) and how understanding someone else's needs can open doors you never imagined.Whether your dream is to remain a solo practitioner, build a group practice, or simply create more freedom in your work, I think this conversation will stretch your thinking in all the best possible ways. It sure did that for me!

Do tanque e do porta-aviões do século XX aos drones baratos que destroem tanques de milhões, da IA que escolhe alvos em segundos (Lavender, Maven, Claude Mythos) aos robôs que já caminham no campo de batalha: neste episódio mergulhamos na maior revolução da tecnologia de guerra dos últimos 100 anos. Do “laboratório” da Ucrânia de drones FPV e fibra óptica, a IA transformou a decisão de matar em algoritmo, passando pela guerra de narrativas com deepfakes que ninguém mais sabe o que é real e o que está acontecendo. Guerra mais eficiente significa guerra melhor… ou só mais frequente e impessoal? Patronato do SciCast: 1. Patreon SciCast 2. Apoia.se/Scicast 3. Nos ajude via Pix também, chave: contato@scicast.com.br ou acesse o QRcode: Sua pequena contribuição ajuda o Portal Deviante a continuar divulgando Ciência! Contatos: contato@scicast.com.br https://twitter.com/scicastpodcast https://www.facebook.com/scicastpodcast https://www.instagram.com/PortalDeviante/ Fale conosco! E não esqueça de deixar o seu comentário na postagem desse episódio! Expediente: Produção Geral: Tarik Fernandes e André Trapani Equipe de Gravação: Luis Filipe Herdy, Gustavo Rebello, Gabriela Reciputti, Roberto Spinelli, Willian Spengler Citação ABNT: Scicast #692: Guerra sem humanos. Locução: Luis Filipe Herdy, Gustavo Rebello, Gabriela Reciputti, Roberto Spinelli, Willian Spengler. [S.l.] Portal Deviante, 20/07/2026. Podcast. Disponível em: https://www.deviante.com.br/podcasts/scicast-692 Imagem de capa: O drone russo KNV, com munição (verde) à frente e unidade de desenrolar de fibra óptica (em preto) atrás - Divulgação/Uchkuinik Referências e Indicações Sugestões de literatura: REBELLO, Gustavo. O uso militar de IAs: a ficção científica parou de ser inofensiva. Portal Deviante, 17 mar. 2026. Disponível em: https://www.deviante.com.br/noticias/o-uso-militar-de-ias-a-ficcao-cientifica-parou-de-ser-inofensiva/. Acesso em: 29 abr. 2026. HOROWITZ, Michael. Entrevista concedida a Tyler Rogoway et al. How America’s Shahed-136 Kamikaze Drone Clone Became an Indispensable Weapon of War. The War Zone, 9 abr. 2026. Disponível em: https://www.twz.com/news-features/how-americas-shahed-136-clone-became-an-indispensable-weapon-of-war. Acesso em: 29 abr. 2026. BERNSTEIN, Yuval et al. ‘Lavender’: The AI machine directing Israel’s bombing spree in Gaza. +972 Magazine, Tel Aviv, 3 abr. 2024. Disponível em: https://www.972mag.com/lavender-ai-israeli-army-gaza/. Acesso em: 29 abr. 2026. CUKOR, Drew et al. Project Maven: A Marine Colonel, His Team, and the Dawn of AI Warfare. Nova York: HarperCollins, 2026. (Trechos disponíveis em: https://www.wired.com/story/project-maven-katrina-manson-book-excerpt/). DEPARTMENT OF DEFENSE (EUA). Project Maven (Algorithmic Warfare Cross Functional Team). Washington, DC: DoD, 2017. Disponível em: https://en.wikipedia.org/wiki/Project_Maven. Acesso em: 29 abr. 2026. FEDOROV, Mykhailo. Ukraine overcomes critical obstacle to using fiber-optic drones. Defense Ministry of Ukraine, Kiev, 21 abr. 2026. Disponível em: https://www.msn.com/en-us/news/world/ukraine-overcomes-critical-obstacle-to-using-fiber-optic-drones/vi-AA21o96u. Acesso em: 29 abr. 2026. FOUNDATION ROBOTICS. Phantom MK-1 humanoid robot deployed to Ukraine for testing. Business Insider, 25 mar. 2026. Disponível em: https://www.businessinsider.com/foundation-humanoid-robot-soldier-ukraine-testing-2026-4. Acesso em: 29 abr. 2026. LEE, Lloyd. Foundation Wants to Build an Army of Humanoid Robot Soldiers. Business Insider, 25 mar. 2026. Disponível em: https://www.businessinsider.com/foundation-humanoid-robot-soldier-ukraine-testing-2026-4. Acesso em: 29 abr. 2026. SCHANAHAN, Jack. Inside the Pentagon’s Project Maven. YouTube, 2026. Disponível em: https://www.youtube.com/watch?v=Il-DWtgfqTk. Acesso em: 29 abr. 2026.WIRED. Meet the Gods of AI Warfare. Wired, 23 mar. 2026. Disponível em: https://www.wired.com/story/project-maven-katrina-manson-book-excerpt/. Acesso em: 29 abr. 2026. Sugestões de filmes: Decisão de Risco (2015, dir. Gavin Hood) – Eye in the Sky: Drone warfare, “human in the loop” Slaughterbots (2017, curta-metragem da Future of Life Institute) – 8 minutos que mostram enxames de drones autônomos Resistência (2023, dir. Gareth Edwards) – The Creator: Guerra futurista com IA e robôs humanoides Jogos de Guerra (1983) – WarGames: Clássico sobre IA e guerra nuclear automatizada (liga direto com o “Dead Hand”). Sugestões de vídeos: https://www.youtube.com/watch?v=fa8k8IQ1_X0 Sugestões de links: https://www.bloomberg.com/news/articles/2024-07-22/ubi-study-backed-by-openai-s-sam-altman-bolsters-support-for-basic-income https://www.anthropic.com/research/exploring-model-welfare https://www.anthropic.com/research/impact-software-development https://arxiv.org/pdf/2411.00986 Sugestões de games: Call of Duty: Modern Warfare II / III (2022-2023) – Uso realista de drones FPV, enxames e guerra eletrônica. DEFCON (2006, ou remakes modernos) – Simulação de guerra nuclear com sistemas automatizados de retaliação. Arma 3 com mods de drones ucranianos (comunidade) – Simulação tática de guerra assimétrica com FPV e fibra óptica. Six Days in Fallujah (2021) – Combate urbano moderno com IA e robótica See omnystudio.com/listener for privacy information.

It takes decades to save & invest enough to be able to retire. But most people find that when the time comes, they’re unsure about what’s next. That part doesn’t take decades, unless you keep putting it off. Join our next small group program in September and Design Your New Life in Retirement. Two 1 on 1 sessions. 6 interactive group sessions. A new direction. Learn more and sign up today. Early registration ends July 31st. Limited to 10 participants. __________________________ What does it really take to design a meaningful life after full-time work? In this special “Best of” episode of The Retirement Wisdom Podcast, you’ll hear brief but useful insights from guests who challenge the old story of retirement as a finish line, a reward, or a long vacation. You'll hear different perspectives on the the shift from “role to soul”, the emotional side of transition, how to build a life portfolio, why mattering may be as important as money, how connection shapes happiness, why your brain can keep growing, and how creativity can become a surprisingly powerful health habit that can enhance longevity. This episode offers a powerful reminder: retirement isn't about stepping back. It's an opportunity to step more fully into life with the courage to keep growing and contributing in new ways. ___________________________ Want to go deeper on any of these conversations? How to Live a Meaningful Life – Dave Evans Navigating the In-Between – Monique Rhodes What Do You Want Out of Life…in Retirement ? – Valerie Tiberius Design a Phased Retirement – Anna Rappaport Mattering…in Retirement – Jennifer Breheny Wallace Love & Happiness…in Retirement – Sonja Lyubomirsky Eat Your Ice Cream – Ezekiel Emanuel, MD, PhD How to Stay Sharp in Retirement – Dr. Majid Fotuhi Art Cure: The Science of How the Arts Save Lives – Daisy Fancourt _________________________ How Ready are You for Your New Life in Retirement? Take this free 5-minute assessment to identify which areas may need your attention: Not retired yet, but I want to design a meaningful life In retirement, but maybe I could use an upgrade _________________________ Other Retirement Podcast Conversations You’ll Also Love Best of 2025 – Part Two What If I? Best of 2025 – Part 1 The Very Best of 2024 ___________________________ About The Retirement Wisdom Podcast There are many podcasts on retirement, often hosted by financial advisors with their own financial motives, that cover the money side of the street. This podcast is different. You'll get smarter about the investment decisions you'll make about the most important asset you'll have in retirement: your time. About Retirement Wisdom I help people who are retiring, but aren't quite done yet, discover what's next and build their custom version of their next life. A meaningful retirement doesn't just happen by accident. Schedule a call today to discuss how the Designing Your Life process created by Bill Burnett & Dave Evans can help you make your life in retirement a great one — on your own terms. About Your Podcast Host Joe Casey is an executive coach who helps people design their next life after their primary career and create their version of The Multipurpose Retirement.™ He created his own next chapter after a 26-year career at Merrill Lynch, where he was Senior Vice President and Head of HR for Global Markets & Investment Banking. Joe has earned Master's degrees from the University of Southern California in Gerontology (at age 60), the University of Pennsylvania, and Middlesex University (UK), a BA in Psychology from the University of Massachusetts at Amherst, and his coaching certification from Columbia University. In addition to his work with clients, Joe hosts The Retirement Wisdom Podcast, ranked in the top 1% globally in popularity by Listen Notes, with over 2 million downloads. Business Insider recognized Joe as one of 23 innovative coaches who are making a difference. He's the author of Win the Retirement Game: How to Outsmart the 9 Forces Trying to Steal Your Joy.

Get the 200+ Page Optimal Living Daily Workbook (PDF) — Free. Want to turn today's episode into an actionable plan? Join the Optimal Living Weekly newsletter and I'll send you our 200-page digital workbook immediately. It's packed with the best takeaways from the show, formatted for easy reading and implementation at home. Get your free PDF workbook here: ⁠https://oldpodcast.eo.page/join⁠ Discover all of the podcasts in our network, search for specific episodes and learn more at:⁠ OLDPodcast.com⁠. Episode 3631: Go Curry Cracker shares how he and his wife overcame childhood poverty, family instability, and significant student debt to build financial independence. Their story challenges the idea that difficult beginnings determine financial outcomes and sets the stage for understanding the mindset and habits that eventually led to saving millions. Read along with the original article(s) here: https://www.gocurrycracker.com/how-we-saved-multi-millions/ Quotes to ponder: "You either have enough investments to fund your desired lifestyle or you don't. This is what is important." "When we started our 10 years of saving, net worth wasn't zero. I had paid off student loans a year or so prior, and also had home equity and a 401k." "Divorce in 1980s Taiwan was much like divorce in 1950s America, and the burden fell heavy on women and children." Episode references: Business Insider: https://www.businessinsider.com/ Yahoo Finance: https://finance.yahoo.com/ Farnoosh Torabi: https://farnoosh.tv/ The 4% Rule (Trinity Study): https://thepoorswiss.com/trinity-study/ Learn more about your ad choices. Visit megaphone.fm/adchoices

*Content Warning:  neglect, rejection, friendship betrayal, betrayal, and infidelity.Free + Confidential Resources + Safety Tips: somethingwaswrong.com/resources   SWW Sticker Shop!: https://brokencyclemedia.com/sticker-shop SWW S26 Theme Song & Artwork: The S26 cover art is by the Amazing Sara Stewart instagram.com/okaynotgreat/  Follow Something Was Wrong: Website: somethingwaswrong.com  IG: instagram.com/somethingwaswrongpodcast TikTok: tiktok.com/@somethingwaswrongpodcast  Follow Tiffany Reese: Website: tiffanyreese.me  IG: instagram.com/lookieboo Follow Dr. Marisa G. Franco: Website - https://www.drmarisagfranco.com/ Instagram - https://www.instagram.com/drmarisagfranco Platonic, How The Science of Attachment Can Help You Make - and Keep - Friends - https://drmarisagfranco.com/platonic-the-book/ Worth, The New Science of Self-Esteem and Secure Attachment: https://drmarisagfranco.com/worth-the-book/ *Sources:  Almaatouq, Abdullah, et al. "Are You Your Friends' Friend? Poor Perception of Friendship Ties Limits the Ability to Promote Behavioral Change." PLOS ONE, vol. 11, no. 3, 2016, article e0151588, https://doi.org/10.1371/journal.pone.0151588 Center for the Study of Traumatic Stress. When Losses of Loved Ones Are Not Acknowledged: Understanding Disenfranchised Grief. Department of Psychiatry, Uniformed Services University, n.d., https://www.cstsonline.org/assets/media/documents/CSTS_FS_When_Losses_of_Loved_Ones_Are_Not_Acknowledged_Understanding_Disenfranchised_Grief.pdf Dodson, William W., et al. "Rejection sensitivity dysphoria in attention-deficit/hyperactivity disorder: A case series." Neurology 7 (2024): 23-30.  Franco, Marisa G. Platonic: How the Science of Attachment Can Help You Make—and Keep—Friends. Penguin Random House, 6 Sept. 2022 https://www.penguinrandomhouse.com/books/676695/platonic-by-marisa-g-franco-phd/ Franco, Marisa G. Worth: The New Science of Self-Esteem and Secure Attachment. G.P. Putnam's Sons, 15 Sept. 2026, Penguin Random House,https://www.penguinrandomhouse.com/books/784327/worth-by-marisa-g-franco-phd/ Gobin, Robyn L., and Jennifer J. Freyd. "The impact of betrayal trauma on the tendency to trust." Psychological Trauma: Theory, Research, Practice, and Policy 6.5 (2014): 505. https://psycnet.apa.org/record/2013-24397-001 Guy-Evans, Olivia. “Self-Verification Theory.” Simply Psychology, 11 May 2026, https://www.simplypsychology.org/self-verification-theory.html Here & Now Newsroom. “Research Shows We Replace Half Our Friends Every 7 Years. Here's How to Make New Ones.” NPR Illinois, 23 June 2025, https://www.nprillinois.org/2025-06-23/research-shows-we-replace-half-our-friends-every-7-years-heres-how-to-make-new-ones Hillman, James. "Betrayal." Loose Ends: Primary Papers in Archetypal Psychology, Spring Publications, 1975, pp. 63–79. Jarrett, Christian. "The Liking Gap: We Usually Think People Like Us Less Than They Actually Do." Research Digest, British Psychological Society, 13 Sept. 2018, https://www.bps.org.uk/research-digest/liking-gap Kenny, Serafina. "Having Friends Is as Important as Diet and Exercise for Living Longer, a Longevity Expert Says." Business Insider, 22 Sept. 2023, https://www.businessinsider.com/longevity-antiaging-friendship-social-interaction-relationships-2023-9 Nader, Karim. “Reconsolidation and the Dynamic Nature of Memory.” Cold Spring Harbor perspectives in biology vol. 7,10 a021782. 9 Sep. 2015, doi:10.1101/cshperspect.a021782, https://pubmed.ncbi.nlm.nih.gov/26354895/ Nussbaum, Ben. "FRIENDSHIP FLATTENS HILLS: It's time to put connections at the center of wellbeing, says relationship expert Marisa Franco." Spirituality & Health Magazine, vol. 25, no. 5, Sept.-Oct. 2022, pp. 46+. Gale Academic OneFile link.gale.com/apps/doc/A763799199/AONE?u=anon~858b38f4&sid=googleScholar&xid=6b08179d One Another. Directed by Amber Love, produced by Andrea Raby, Joycie Films, 2026. World premiere, SXSW Film & TV Festival, Austin, TX, 12 Mar. 2026. https://schedule.sxsw.com/2026/films/2249924 Romm, Cari. "Half of Your Friends Probably Don't Think of You as a Friend." The Cut, 9 May 2016, https://www.thecut.com/2016/05/half-of-your-friends-probably-dont-think-of-you-as-a-friend.html Thompson, Sophia, Kaitlyn Deaner, and Marisa G. Franco. "How to Help Clients Make Friends." Journal of Health Service Psychology 49.2 (2023): 77-85 https://link.springer.com/article/10.1007/s42843-023-00085-w Wallace, Anna Kodé. "Why Friendship Betrayal Feels Impossible to Get Over." The Cut, 22 Apr. 2026, https://www.thecut.com/article/friendship-betrayal-explained-psychology-summer-house.html

The evolution from leather-soled shoes of the 19th century to the sneakers people wear today started slowly, then built momentum. Many of the big names in sneakers today got their start surprisingly early in the process. Research: “A Column for the Girls.” Brooklyn Eagle. July 28, 1895. https://www.newspapers.com/image/50411759/?match=1&terms=%22sand%20shoes%22 Barrett, Jennifer. “The History of Adidas and Puma.” Newsweek. March 13, 2008. https://www.newsweek.com/history-adidas-and-puma-86373 Bisno, Adam. “The search for lost X-patents.” USPTO. July 13, 2022. https://www.uspto.gov/blog/the-search-for-lost-x “Brand Story.” Dunlop. https://www.dunlopboots.com/why-dunlop/brand-story Carpenter, Julia. “Adidas vs. Puma: The Family Rift That Shaped the Sportswear Industry.” History. May 6, 2026. https://www.history.com/articles/adidas-puma-rivalry-dassler “Chuck Taylor Converse All Star: The Man Who Made the Shoe.” Indiana Historical Society. https://indianahistory.org/events/chuck-taylor-converse-all-star-the-man-who-made-the-shoe-2/ “The Company.” New Balance. https://www.newbalance.gr/en/etaireia/profil/?__cf_chl_f_tk=TZRFzU2s58Jw3z.lFjWqe.bQmjADyBkIMMpMI4v.Cuk-1783279660-1.0.1.1-sWRq2n.zJUdoWCA6sKXCjtDKIRGvxztpX5Rhq4MRJ4s Cousens, Nico. “Inventions that made the modern running shoe.” Kilburn & Strode. April 17, 2018. Cunliffe, Paul and Lauren Hirst. “Co-founder of £2.5bn brand started out as factory help.” BBC. Oct. 1, 2025. https://www.bbc.com/news/articles/cp8jdlndg0xo Department of Nike Archives. “From Waffle Iron to World Stage: The True Story of the Nike Moon Shoe.” Nike. Sept. 15, 2025. https://about.nike.com/en/magazine/nike-moon-shoe-waffle-iron-true-history “Fashion Notes.” The Times-Union. July 22, 1882. https://www.newspapers.com/image/1275226621/?match=1&terms=%22lawn-tennis%20shoe%22 “The History of the Sneaker.” The Washington Post. May 14, 2002. https://www.washingtonpost.com/archive/lifestyle/2002/05/14/the-history-of-the-sneaker/aa2096d1-a7e2-4427-a324-cb603512722d/ Hunt, Kristin. “11 Comfy Facts About Keds.” Mental Floss. March 26, 2022. https://www.mentalfloss.com/culture/fashion-beauty/11-comfy-facts-about-keds “The Invention of the Iconic Vans Skateboarding Shoe.” The Lemelson Center for the Study of Invention and Innovation.” https://invention.si.edu/invention-stories/invention-iconic-vans-skateboarding-shoe “Journey of an Icon: The History of the Chuck Taylor All Star.” Nike. https://about.nike.com/en/magazine/converse-chuck-taylor-all-star-iconic-sneaker-true-history Keller, Kate. “A Brief History of America’s Obsession With Sneakers.” Smithsonian. May 18, 2018. https://www.smithsonianmag.com/innovation/brief-history-americas-obsession-sneakers-180969116/ Lorge, Barry Steven, Aberdare, Morys George Lyndhurst Bruce, 4th Baron. "tennis". Encyclopedia Britannica, 16 Jun. 2026, https://www.britannica.com/sports/tennis Lou, Michelle. “Nike’s rare ‘Moon Shoe’ is sold for $437,500, shattering the auction record for sneakers.” CNN. July 23, 2019. https://www.cnn.com/style/article/nike-moon-shoe-sold-auction-trnd “Notice! Tennis Players!” Des Moines Register. June 8, 1888. https://www.newspapers.com/image/127760140/?match=1&terms=%22lawn-tennis%20shoe%22 “Off The Wall- Since 1966. The Story Of Vans.” Vans. https://www.vans.com/en-us/about#early-1970s “Patent India Rubber or Gum Elastic Shoes.” Monmouth Democrat. January 22, 1835. https://www.newspapers.com/image/496911351/?match=2&terms=Wait%20Webster “Peachtree Through the Years 1970-2021.” Atlanta Track Club. https://www.atlantatrackclub.org/event-information-history “Plaint of an Old Shoe.” The Boston Globe. Aug. 23, 1894. https://www.newspapers.com/image/430680218/?match=1&terms=sneaker “Plimsoll Draws the Line.” Nautilus International. April 24, 2026. https://www.nautilusint.org/en/news-insight/telegraph/plimsoll-draws-the-line/ “Puma and Adidas' rivalry has divided a small German town for 70 years — here's what it looks like now.” Business Insider. October 2018. https://www.businessinsider.com/how-puma-and-adidas-rivalry-divided-their-founding-town-for-70-years-2018-10 Rickey, Melanie. “Flash of Genius.” The Independent. June 28, 1996. https://www.the-independent.com/life-style/flash-of-genius-1339404.html “Sneakers.” Record-Journal. Aug. 8, 1898. https://www.newspapers.com/image/674954692/?match=6&terms=sneaker “Sneakers Latest in Women’s Wear.” The Battle Creek Enquirer. May 18, 1913. https://www.newspapers.com/image/1044420723/?match=1&terms=sneaker “’Sneakers’ the Things.” L'abeille De La Nouvelle-Orléans (New Orleans Bee). Nov. 11, 1904. https://www.newspapers.com/image/1323250586/?match=1&terms=sneaker “Sneakers – Worldwide.” Statista. https://www.statista.com/outlook/cmo/footwear/sneakers/worldwide Sun, Michael. “‘Everyone owns at least one pair’: $75bn sneaker industry unboxed in Gold Coast exhibition.” The Guardian. Nov. 25, 2023. https://www.theguardian.com/fashion/2023/nov/26/sneakers-unboxed-hota-shoe-exhibition-gold-coast-queensland-australia Tikkanen, Amy. "history of sneakers". Encyclopedia Britannica, 14 Oct. 2024, https://www.britannica.com/topic/history-of-sneakers Turner, Thomas. “The Production and Consumption of Lawn-Tennis Shoes in Late-Victorian Britain.” Journal of British Studies. JULY 2016, Vol. 55, No. 3 (JULY 2016), pp. 474-500. https://www.jstor.org/stable/10.2307/26598891 Turner, Thomas. “The Sports Shoe: A History from Field to Fashion.” Bloomsbury. 2019. Umoh, Ruth. “Here’s how much Nike’s billionaire founder paid for the infamous swoosh logo in 1971.” CNBC. Sept. 5, 2018. https://www.cnbc.com/2018/09/05/heres-how-much-nikes-billionaire-founder-paid-for-its-swoosh-logo.html “Value of the sneakers market worldwide from 2018 to 2030.” Statista. https://www.statista.com/forecasts/1017918/sneakers-market-value-forecast-worldwide/ “Where Basketball was Invented: The History of Basketball.” Springfield College. https://springfield.edu/about/birthplace-of-basketball “40. For a method of attaching leather soles to boots and shoes of India rubber; Wait Webster, city of New York, May 21.” Journal of the Franklin Institute. Volume 14, Issue 6. 1832. Page 391. https://doi.org/10.1016/S0016-0032(32)90275-0. See omnystudio.com/listener for privacy information.

The new era is here: New Wave Astrology

The SpaceX IPO, oil prices nearly doubling, and a spring selloff — a lot has happened so far in 2026.  Market strategist Ryan Detrick returns for a mid-year check-in, sharing where things stand and what's driving the market now. You'll learn the biggest risk to the market (it's not what you think), what history says about midterm years, and why he's actually more optimistic. Want the full picture? Check out the Midyear Outlook 2026: https://mitlin.us/2026Outlook Topics discussed: (00:00) Introduction (02:07) Ryan's path to market strategist (05:02) The SpaceX IPO (09:58) Becoming a CNBC Contributor (15:44) How the first half of 2026 played out (20:51) Why he's optimistic for the rest of 2026 (24:47) The biggest risks ahead (28:27) Midterm year volatility (what to expect) (31:04) What brought you JOY today? If you're a writer who wants to take control of your finances, read Mitlin Financial's  Write Your Financial Future: A Financial Guide for Authors: https://www.mitlinfinancial.com/insights/blog/write-your-financial-future-a-financial-guide-for-authors/ Resources: Sending your child to college will always be emotional but are you financially ready? Take the College Readiness Quiz for Parents: https://www.mitlinfinancial.com/college-readiness-quiz/ Doing your taxes might not be enJOYable but being more organized can make the process less painful. Get Your Gathering Your Tax Documents Checklist: https://www.mitlinfinancial.com/wp-content/uploads/2024/06/Mitlin_ChecklistForGatheringYourTaxDocuments_Form_062424_v2.pdf Will you be able to enJOY the Retirement you envision? Take the Retirement Ready Quiz: https://www.mitlinfinancial.com/retirement-planning-quiz/ Connect with Larry Sprung: LinkedIn: https://www.linkedin.com/in/lawrencesprung/ Instagram: https://www.instagram.com/larry_sprung/ Facebook: https://www.facebook.com/LawrenceDSprung/ X (Twitter): https://x.com/Lawrence_Sprung About Our Guest: As Chief Market Strategist at Carson Group and a CNBC contributor, Ryan Detrick brings a wealth of knowledge and a strong understanding of financial markets to guide the firm's strategic investment decisions. Leveraging market analysis and his passion for helping both advisors and clients navigate the complexities of the financial landscape, Ryan plays a pivotal role in shaping the investment strategies that help drive Carson Group's success. Ryan's career has been marked by a dedication to staying at the forefront of market trends and the role history plays in potential market moves. Prior to joining Carson Group, Ryan held key positions at several leading financial institutions, where he honed his skills in market analysis, risk management, and portfolio optimization. His ability to distill complex market information into actionable insights has earned him recognition as a thought leader in the financial industry, including being named one of Business Insider's Oracles of Wall Street in 2023 and again in 2025. A sought-after commentator, Ryan frequently shares his market perspectives through media appearances on CNBC, Fox Business, Yahoo! Finance, Bloomberg, and SiriusXM, speaking engagements, and written commentary. Leveraging his extensive knowledge of market trends, economic indicators, and investment opportunities, Ryan provides valuable insights that help empower clients to make informed decisions in an ever-evolving financial environment. Ryan also co-hosts a top-investing podcast, "Facts vs Feelings," alongside Carson Group colleague Sonu Varghese, VP, Global Macro Strategist. Each week on the show—which was named among the 23 Top Financial Advisor Podcasts to Listen to in 2026 by Kitces.com—they engage in insightful conversations exploring the intersection of data-driven market analysis and the human element in investment decision-making. Through "Facts vs Feelings," Ryan reaffirms his dedication to making finance more understandable. Connect with Ryan Detrick: LinkedIn: https://www.linkedin.com/in/ryandetrick/ X (Twitter): https://x.com/RyanDetrick/ Website: ​​https://www.carsongroup.com/insights/blog/team-members/ryan-detrick/ Disclosure: Guests on the Mitlin Money Mindset are not affiliated with CWM, LLC, and opinions expressed herein may not be representative of CWM, LLC. CWM, LLC is not responsible for the guest's content linked on this site.   This episode was produced by Podcast Boutique https://www.podcastboutique.com  

My guest today is Peter Kafka, chief correspondent at Business Insider and host of Channels, a podcast about the media industry. And it's a big week for the media industry — Comcast just announced that it's splitting itself up, into the Comcast broadband company and the NBCUniversal entertainment company. This dream, that you can combine distribution with big splashy entertainment properties, has failed time and again. But Comcast tried the content plus pipes strategy for longer than most. So Peter and I discussed what happened in the media and broadband industries over the last 15 years, and what might happen next.  Read the full interview transcript on The Verge. Links:  Comcast is cutting NBCUniversal loose | Business Insider Comcast's split could make or break Peacock | The Verge Comcast and NBCUniversal will go it alone. But for how long? | NYT Comcast split shows bigger is no longer better | Deadline A cable scion's hardest deal yet: breaking up his family's company | WSJ Subscribe to The Verge to access the ad-free version of Decoder! Credits: Decoder is a production of The Verge and part of the Vox Media Podcast Network. Decoder is produced by Kate Cox and Nick Statt and edited by Ursa Wright. Our editorial director is Kevin McShane.  The Decoder music is by Breakmaster Cylinder. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Daniel Coyle: Flourish Daniel Coyle is the New York Times bestselling author of The Culture Code, which was named Best Business Book of the Year by Bloomberg, BookPal, and Business Insider. He has served as an advisor to many high-performing organizations, including the Navy SEALs, Microsoft, Google, and the Cleveland Guardians. His newest book is Flourish: The Art of Building Meaning, Joy, and Fulfillment (Amazon, Bookshop)*. When teams really thrive, it isn't about luck or simply optimizing systems. Instead, it's about intentionally creating spaces for connection, agency, and shared growth. In this conversation, Daniel and I discuss where to begin to help a team flourish. Key Points Life (and leadership) is treasure creation, not a treasure hunt. Flourishing environments encourage experimentation, agency, and even mistakes, allowing ownership and innovation to thrive. If leaders think like designers, using questions and constraints, they will more likely unlock people's full potential. Simple acts such as little “thank you's” build psychological safety and lay the foundation for flourishing groups. Some of the world's greatest innovations emerged from environments that welcomed surprise, cross-pollination, and flexibility. Value the art of asking good questions over having all the answers. Resources Mentioned Flourish: The Art of Building Meaning, Joy, and Fulfillment by Daniel Coyle (Amazon, Bookshop)* Interview Notes Download my interview notes in PDF format (free membership required). Related Episodes What Innovative Leaders Do Differently, with Linda Hill (episode 774) How to Help People Flourish, with Marcus Buckingham (episode 778) The Counterintuitive Secret to Creativity and Focus, with David Epstein (episode 789) Discover More Activate your free membership for full access to the entire library of interviews since 2011, searchable by topic. To accelerate your learning, uncover more inside Coaching for Leaders Plus.