Podcasts about calculate

In this episode, expert appraiser Jack Lavoie shares invaluable insights on real estate valuation, market trends in Florida, and how investors can leverage appraisal data for smarter investments. Discover practical tips on market analysis, regulatory impacts, and building strong relationships with appraisers to maximize property potential.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true 'white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a "mini-mastermind" with Mike and his private clients on an upcoming "Retreat", either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas "Big H Ranch"? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

Every attempt to calculate the exact date of Jesus' return — from AD 500 all the way to today — has been spectacularly wrong, and in this video Dr. Brown shows you why the track record alone should give us pause. Rather than adding to the list of failed predictions, he unpacks what Scripture genuinely calls believers to do: live with readiness, urgency, and sobriety, because your one life carries eternal weight no matter when Christ returns. You'll also get an honest take on Daniel's mysterious day-counts — and why intellectual humility, not date-setting, may be the most faithful response to prophecy we don't yet fully understand.  ~~~FRONTL|NE Newsletter: https://thelineoffire.org/newsletterDonate: https://thelineoffire.org/donate-one-timeX: https://twitter.com/DrMichaelLBrownYouTube: https://www.youtube.com/@LFTVInstagram: https://www.instagram.com/drmichaelbrownFacebook: https://www.facebook.com/ASKDrBrownWebsite: https://thelineoffire.orgRadio Broadcast from The Line of Fire Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Struggling with empty garden beds after harvesting spring crops? Wondering what to plant in June and July without wasting valuable garden space? In this episode, you'll learn which vegetables, herbs, and flowers thrive in summer heat so you can keep harvesting, suppress weeds, and make the most of your garden all season long. Whether you're looking for heat-loving crops, succession planting ideas, or simple ways to fill empty beds, you'll walk away with practical options you can plant right now. Free Download: The Beginner's Garden Resource Vault Grow more food with less overwhelm! Get complimentary access to a library of growing guides, charts, and resources to help you garden with clarity and confidence.

Scaling a law firm with your spouse presents unique challenges and opportunities. In this episode, Melissa sits down with Velocity Work clients Bobby and Abby Botnick, who run a criminal defense practice, to discuss how they grew their firm together, sharing insights into hiring, delegation, and managing responsibilities.          Melissa and the Botnicks explore how to identify the right time to hire, set clear expectations, and delegate effectively. They also discuss how building systems and refining processes have helped them manage workload and reduce stress while supporting both personal and professional partnerships.         If you want to understand how to grow your law firm while working closely with a partner, this episode will help you see what decisions matter most, make strategic hires, and build a team that supports your growth and your marriage.               Let's talk! If you are a law firm owner looking to talk with us about partnering on your personal and professional growth, book a short, free, no-pressure call with Melissa here: https://velocitywork.com/calendar       Calculate your producer multiple with our free Producer Calculator here: https://vwrk.cc/pm         Get full show notes, transcript, and more information here: https://www.velocitywork.com/367                 Watch this episode on YouTube: https://youtube.com/@velocitywork

Send us Fan MailShow notes A physician built a solid, growing independent practice over six years, then got bored with the pace and chased three new ideas at once. None launched. The original practice still lost an estimated $180,000 in revenue degradation over twelve months, not from a bad decision, but from the boring work quietly going undone. This episode is the framework for staying in the room with it. The compounding cost of distraction.  The revenue cycle does not tolerate divided attention. When leadership focus drifts, performance does not collapse, it leaks. A $350K-a-month practice that drifts for six months can lose $84,000 in net collections that never gets recovered. The shiny idea did not cost the money. The distraction did. The patience advantage.  A boring denial-rate fix that recovers $8,000 to $12,000 a month compounds every month forward. A new service line that might add $5,000 a month creates complexity with no compounding. Patient money picks the boring fix every time. The boredom threshold.  James Clear calls boredom the greatest threat to success. When the practice is working, the work stops feeling like progress and starts feeling like maintenance. The reframe: the boring work is not maintenance, it is compounding. The Five Shiny Objects That Cost Practices the Most The Shiny Object   Adding a second location before ops are solid Switching EMR mid-growth Launching a new service line Hiring aggressively before systems exist Chasing a new payer vertical What It Feels Like Growth and scale Modernizing and streamlining Diversification and new revenue Team building and capacity Revenue diversification What It Actually Costs 2x overhead, fragmented leadership, billing gaps at both sites 6 to 12 months of workflow disruption, revenue dip during transition Core service attention drops, existing margin erodes Payroll grows faster than revenue, management overwhelm follows Credentialing lag, cash flow gap, billing team stretched thin Three actions this week Name the hard problem you have been avoiding, and write it down. Calculate what one boring fix is worth over twelve months (a 3% net collection lift on $300K a month is $108,000 a year). Schedule the boring meeting that keeps getting skipped: weekly, named owner, standing agenda. Resources 30-Day Revenue Recovery Plan (primary): eligibility.natrevmd.com/nrc/-30day-revenue-recovery-plan Book a call with Heather: calendly.com/heather-natrevmd Payment Posting Audit Checklist (supporting): eligibility.natrevmd.com/payment-posting-checklist Referenced: Atomic Habits by James Clear.

What if your brain doesn't produce consciousness any more than a radio produces the music? My guest today is Dr. Arnaud Delorme, a computational neuroscientist at UC San Diego and the Institute of Noetic Sciences. He wires up Tibetan monks and mediums to see what actually happens in their brains. When a medium connects with a loved one on the other side, he expected brain activity to spike. Instead, it went almost silent. The more accurate they were, the more their working memory shut down. As if the information wasn't coming from inside them at all. Arnaud started asking "why am I here?" at 11 years old. He has spent decades risking his career to challenge the idea that your thoughts and choices mean nothing. This conversation is about data, non-local consciousness, and what happens when science finally looks beyond the skull. 00:00 The 11-Year-Old Who Asked "Why Am I Here?" 03:09 Welcome Arnaud Delorme 04:12 From Firefighter to Neuroscientist 07:00 The Reductionist Pyramid (And Its Limits) 12:36 Quantum Mechanics: Shut Up and Calculate 16:27 How Science Finally Opened Up to Consciousness 18:33 EEGLAB and Studying Mediums 22:45 Split-Brain Patients and the "Real Illusion" 25:54 The Alternative Hypothesis: You Are More Than Your Brain 30:27 Why Most Scientists Still Need More Data 35:21 The EEG Finding: Accurate Readings Shut Down Working Memory 38:30 Mind Wandering vs. Daydreaming (And a Button in Your Hand) 43:24 Can Meditation Decrease Mind Wandering? Yes. 48:39 Is AI Conscious? (No. But Could It Be? Yes.) 53:33 Arnaud's Fiction Book "The Noetic Particle" + Where to Find Him 55:39 Closing LEARN MORE ABOUT GUEST:· Website: arnauddelorme.com· Institute: noetic.org· Academic Book: (on mind wandering / EEG)· Fiction Book: The Noetic Particle (hard science fiction about AI and consciousness)· Software: EEGLAB (open-source EEG analysis tool) JOIN MY COMMUNITY In The Space Between membership, you'll get access to LIVE quarterly Ask Amy Anything meetings (not offered anywhere else!), discounts on courses, special giveaways, and a place to connect with Amy and other like-minded people. You'll also get exclusive access to other behind-the-scenes goodness when you join! Click here to find out more --> https://shorturl.at/vVrwR Stay Connected: - Instagram - https://tinyurl.com/ysvafdwc- Facebook - https://tinyurl.com/yc3z48v9- YouTube - https://tinyurl.com/ywdsc9vt- Website - https://tinyurl.com/ydj949kt Life, Death & the Space Between Dr. Amy RobbinsExploring life, death, consciousness and what it all means. Put your preconceived notions aside as we explore life, death, consciousness and what it all means on Life, Death & the Space Between.**Brought to you by:Dr. Amy Robbins | Host, Executive ProducerPodcastize.net | Audio & Video Production | Hosted on Acast. See acast.com/privacy for more information.

In this episode, I walk you through exactly how to implement a reverse diet, including how to calculate your maintenance calories, when to increase calories gradually versus jumping straight to maintenance, and what to expect during the process.Last week, we talked about why chronic dieting and years of eating too little can leave you stuck in a weight loss plateau. This week, we're taking the next step: how to actually reverse diet.If the thought of increasing your calories makes you nervous, you're not alone. For many women in menopause, eating more feels completely backwards. But when you've been maintaining your weight on very low calories, your body may need a period of maintenance before it's ready for an effective fat loss phase.In this episode you'll learn:How to calculate your maintenance caloriesWhether you should increase calories all at once or graduallyWhy protein is the first priorityWhat biofeedback markers tell you your body is respondingWhy the scale may temporarily increase—and why that doesn't mean you've gained fatHow to know when you're ready to transition into a fat loss phaseMaintenance is the foundation that allows you to lose fat more effectively and maintain your results for the long term.If you've been stuck eating less and less with nothing to show for it, this episode will help you understand why eating more strategically might be exactly what your body needs.Calculate your Maintenance Calories:https://katalystfitness.net/katalyst-fitness-nutrition-calculator/Send us Fan MailThank you so much for listening, please share with a friend and subscribe so you don't miss an episode!If you want to see how I can help you on your journey, book a quick 10-15 minute call so we can chat about your goals!https://www.menopotmeltdown.com/quickchatnowNow accepting clients! Fit AF 90 Day Program https://go.katalystfitness.net/fit-after-fiftyFree Menopause Fat Loss Made Simple with Macros Facebook group: https://www.facebook.com/groups/kathykatalyst/?ref=shareFor all my social links: https://go.katalystfitness.net/kathykatalystDo you have a question that you would like answered on the show? Please ask your question here:https://go.katalystfitness.net/podcast-question-entryHave a personal question? Email me at kathycote9142@comcast.netCheck out the Mastering Menopause Macros Course on making weight loss in menopause easy by tracking macros.  All the tips and tricks that my clients and I have used! https://www.menopotmeltdown.com/maste...

Gaining Sales Traction for Fundraising Hello, this is Hall T. Martin with the Startup Funding Espresso -- your daily shot of startup funding and investing. In raising funding, revenue traction is a key driver in attracting investors. Here are some key steps to gain sales traction for your fundraise. Early-stage companies don't have a large number of users, as that will take time. Instead, start with a small but dedicated set of users. Engagement with the product comes before revenue. Bring a strong story of initial users engaging with the product. Show how they are daily, weekly, and monthly active users. Calculate a customer ROI for the initial cohort of users and share that number with the investors. Large numbers of users who rarely use the product will fail to convince investors. A small group of users who can't live without the product will attract investors. Show how customer acquisition is a repeatable and predictable process. This shows the investor that you can increase sales as needed. Consider these steps in gaining sales traction for fundraising. Thank you for joining us for the Startup Funding Espresso where we help startups and investors connect for funding. Let's go startup something today. _________________________________________________________ For more episodes from Investor Connect, please visit the site at: http://investorconnect.org Check out our other podcasts here: https://investorconnect.org/ For Investors check out: https://tencapital.group/investor-landing/ For Startups check out: https://tencapital.group/company-landing/ For eGuides check out: https://tencapital.group/education/ For upcoming Events, check out https://tencapital.group/events/ For Feedback please contact info@tencapital.group Please follow, share, and leave a review. Music courtesy of Bensound.

“One of the big problems that we see in your profit and loss statement is when your business is not paying you an appropriate normalized salary.” – RJon Robins, author of Profit First for Lawyers Many law firm owners know what they pay themselves, but few have stopped to ask an important question: What should the business be paying them? In part four of our seven-part financial literacy series, RJon takes a deeper look at normalized salary. This is one of the key components of Total Owner Benefit discussed in the previous episode, Calculating Your Total Owner Benefits. Drawing from a 2019 Profit First for Lawyers workshop, he challenges a common assumption about an owner’s compensation: A law firm owner’s salary should be based on the work they actually perform inside the business, not their title, credentials, or ownership stake. What Is a Normalized Salary? A normalized salary is the amount a law firm would reasonably pay someone else to perform the same work you currently do inside the business. Whether you are acting as a senior associate, marketer, salesperson, tech support, or even the occasional janitor, each role has a market value. Understanding how much time you spend performing each role helps create a more accurate picture of what your labor is worth to the firm. Why It Matters Many law firm owners unintentionally blur the line between compensation for labor and compensation for ownership. When that happens, financial reports become harder to interpret and profitability becomes more difficult to measure accurately. But calculating a normalized salary creates greater clarity around both. Key Takeaways Normalized salary is based on the work you perform, not your title Every role inside your firm has a market value Understanding how you spend your time creates greater financial clarity Compensation for labor and compensation for ownership are not the same thing Financial literacy requires objective thinking, not emotional thinking Normalized salary is not about assigning a value to yourself as a person. It is about creating a more objective understanding of the work you perform inside your business. Action Steps Make a list of every role you currently perform inside your firm. Estimate what it would cost to hire someone competent to perform each role. Determine the approximate percentage of time you spend in each role. Calculate a rough normalized salary based on those percentages. Compare your current compensation to the value of the work you are actually performing. While this exercise may feel uncomfortable at first, it can provide valuable insight into how your time is being spent and whether your firm’s resources are aligned with its highest priorities. The clearer you become about how your time is spent and what that work is worth in the marketplace, the easier it becomes to make informed decisions about compensation, profitability, and growth. Mentioned Part 1: You’re Not Bad With Numbers Part 2: Understanding the Stages of a Law Firm’s Growth Part 3: Calculating Your Total Owner Benefits Chapter 9 of Profit First for Lawyers Connect Subscribe to the Profit First for Lawyers podcast Watch episodes on YouTube And most importantly, order your copy of Profit First for Lawyers today!

Are you a senior corporate executive or elite high-ticket sales leader chasing the all-elusive concept of financial freedom without knowing your exact numbers?  In this powerful solo episode, Billy Keels reveals the critical knowledge gap that keeps high-earning directors, VPs, and senior AEs trapped on the corporate clock despite putting in hundreds of thousands of hours over two decades.  Discover the single, foundational question you must answer with absolute specificity to calculate your unique freedom formula, decouple your future from an unpredictable stock market casino, and establish a clear North Star that transforms your multinational corporate DNA into predictable side-business cash flow.

Retirement isn't an age. It's a number. The problem is most people don't know theirs.Many people spend years working toward financial freedom without ever defining what freedom actually looks like. In this episode of the Exit Strategies Radio Show, Corwyn J. Melette sits down with real estate investor, entrepreneur, and host of The Personal Finance Podcast, Andrew Giancola, to discuss the financial foundations that support sustainable wealth, smart investing, and long-term freedom.Andrew shares why successful investors don't just focus on finding deals—they focus on building a strong financial framework that can withstand life's unexpected challenges. From understanding your Freedom Number to managing risk, building reserves, controlling emotions, and creating a strategy for generational wealth, this conversation provides practical guidance for homeowners, aspiring homeowners, and investors alike.If you're looking to make smarter financial decisions, protect your equity, and create opportunities for future generations, this episode delivers a roadmap for building wealth the right way.Key Takeaways:• 04:35 – Why every investor needs to know their Freedom Number• 06:27 – How emotions influence financial and investment decisions• 08:20 – Building an emergency fund using the One-Three-Six Method• 10:50 – Why sustainability matters more than acquisition• 13:39 – Common rental property analysis mistakes• 17:35 – Diversifying wealth-building strategies• 20:25 – Understanding passive real estate investing opportunities• 22:05 – Managing debt while continuing to build wealth• 24:10 – The Financial Freedom Stack framework• 26:15 – Creating generational wealth through intentional planningLegacy Building Takeaway:I am gonna be the first person in my family to build generational wealth... You can change your family's financial life."  Andrew GiancolaConnect with Andrew:Website:https://mastermoney.co/Master Money Academy: joinmastermoneyacademy.comSocial: @mastermoneycoConnect with Corwyn:Contact Number: 843-619-3005Instagram:⁠ https://www.instagram.com/exitstrategiesradioshow/⁠FB Page:⁠ https://www.facebook.com/exitstrategiessc/⁠Youtube:⁠ https://www.youtube.com/channel/UCxoSuynJd5c4qQ_eDXLJaZA⁠Website:⁠ https://www.exitstrategiesradioshow.com⁠Linkedin:⁠ https://www.linkedin.com/in/cmelette/⁠Shoutout to our Sponsor: Mellifund Capital, LLCNeed funding for your next real estate flip or build? MelliFund Capital makes it fast, flexible, and investor-friendly. Visit MelliFundCapital.com and fund your future today. Again, that's MelliFundCapital.com, M-E-L-L-I-L-U-N-D, Capital.com.

You've spent years building your business. But what if you've already crossed the finish line — and nobody told you?Most business owners spend their entire careers trying to reach financial freedom. But there's a specific, calculable threshold — called The Freedom Point — where the net proceeds from selling your business would fund the rest of your life without financial worry. And the uncomfortable truth is: a lot of owners have already crossed it. They're still grinding, still taking on risk, still saying "five more years" — without realizing they've technically already won.In this episode, CFP® David Chudyk breaks down The Freedom Point framework, walks through the exact math to calculate yours, and explains why so many smart, successful business owners stay past it without a plan — and what that costs them.What You'll Learn in This EpisodeWhat The Freedom Point is — and the precise formula to calculate itWhy your business growing could actually be increasing your financial risk (not reducing it)The "4 D's" that can destroy business value overnight — and why none of them care about your timelineHow to figure out if you've already crossed your Freedom Point using a 7-step frameworkWhat your options are once you've crossed it (hint: selling isn't the only one)The three psychological traps that keep smart owners grinding past the point of financial freedomWhy "one more year" syndrome might be the most expensive story you're telling yourselfEpisode Timestamps[0:00] — Cold Open: What if you've already won?[2:00] — What is The Freedom Point?[6:00] — Meet Tim: The business owner with 80% concentration risk[11:00] — The 4 D's: Death, Disability, Divorce, Departure[15:00] — How to calculate your own Freedom Point (7-step framework)[20:00] — What to do when you've crossed the line: 4 options[24:00] — Why smart owners stay too long: Identity, One More Year Syndrome, Fear of Irrelevance[28:00] — The free tool to calculate your Freedom Point todayThe Freedom Point FormulaThe Freedom Point is reached when:(Value of Outside Investments) + (Net Proceeds from Business Sale) > (Desired Annual Income × 33)Here's how to run it yourself:Step 1: Estimate the annual income that would make you feel completely financially freeStep 2: Multiply by 33 (based on a conservative 3% withdrawal rate)Step 3: Calculate your wealth outside your business — investments, rental properties, brokerage accounts (not your primary residence)Step 4: Get a realistic business valuation estimateStep 5: Subtract the frictional cost of selling — taxes, broker commissions (~10–12%), legal fees (~2%)Step 6: Add back any long-term business debt you'd need to pay off at closingStep 7: If Steps 3 + 5 exceed Step 2, you've reached The Freedom PointExample: If you want $150,000/year of income, you need $4.95M in total investable assets. If your business would net $4M after selling costs and you have $1M outside the business — you've crossed it.The 4 D's Every Business Owner Needs to KnowThese four events can destroy business value overnight — and none of them are in your control:Divorce — Especially devastating when both spouses work in the business or when business value becomes contested in settlementDeparture — A key partner, co-founder, or critical employee leaves, triggering buy-sell agreements and operational disruptionDisability — You become unable to work; most disability policies protect income, not business valueDeath — Your beneficiaries inherit a business they don't know how to run, often resulting in forced sales at the worst possible timeWhy Smart Owners Stay Past The Freedom PointThe math alone doesn't explain why successful business owners keep grinding after they've technically won. David breaks down three psychological forces:Identity: When the business is who you are, the idea of stepping back feels like erasing yourself — not a financial decision at allOne More Year Syndrome: The goal line keeps moving. $2M becomes $3M becomes $5M. Every milestone reveals the next one. The exit that was "five years away" has been five years away for fifteen years.Fear of Irrelevance: The quiet one. Not afraid of selling — afraid of what comes after. Who are you without the title, the team, and the 8am calendar?"The biggest threat to your financial freedom isn't market risk. It's the story you're telling yourself about who you are without the business."Your Options Once You've Crossed The Freedom PointSell a Minority Stake — Take chips off the table while keeping control; often done with private equity in a minority recapitalizationSell a Majority Stake — Significant liquidity event now, keep some equity, continue running the business under new ownershipEarn-Out Exit — Full sale with a 1–3 year transition; ideal if you're ready to step back in the next three to five yearsStay and Build Around the Risk — Keep building, but do it intentionally: key person insurance, a funded buy-sell, disability coverage, and a real succession planCalculate Your Freedom Point — Free ToolDon't guess where you stand. Take the free Personal Readiness to Exit assessment — it walks you through the exact Freedom Point calculation in about 10 minutes and shows you a real number.→ Take the Free Assessment at weeklywealthpodcast.com/prescoreRather talk it through with someone? Book a free 20-minute strategy call:→ Book a Vision Call at weeklywealthpodcast.com/visionQuotable Moments"What if you've already won — and you're still playing like you haven't?""Before The Freedom Point, risk is how you build. After it, risk is how you lose what you've already built.""Tim diversifies his 401(k) like a pro. But 80% of his net worth is a single, illiquid, non-publicly-traded asset. That's not diversification. That's concentration in a tuxedo.""One more year syndrome feels responsible. But what it often is — if we're honest — is a way of avoiding a decision you're not emotionally ready to make.""The Freedom Point isn't a feeling. It's a formula. And once you run the math, you can't unsee what it shows you."Who This Episode Is ForThis episode is essential listening if you are:A business owner with a company worth $1M or more wondering if you're "there yet" financiallyAn entrepreneur approaching your 50s who hasn't run a real exit planning calculationA high earner whose business represents more than 50% of your total net worthAnyone who has said "I'll sell when the business hits $X" — and then moved the goalpostA spouse or partner of a business owner trying to understand the financial risk your household is carryingResources & Related EpisodesPersonal Readiness to Exit (Prescore) — Free AssessmentVision Call — Free 20-Minute Strategy SessionSellability Score — Free Business Valuation AssessmentRelated: Ep. 264 — Is Your CPA Only Looking in the Rearview Mirror? (tax planning before a sale matters enormously)Related: Ep. 265 — This Is Exactly Who You've Been Looking For (David's background and advisory approach)About David Chudyk, CFP®David Chudyk is a CERTIFIED FINANCIAL PLANNER™ professional, CLTC, and Certified ValueBuilder Advisor with nearly two decades of experience working with business owners and high-net-worth individuals. He is the founder and host of the Weekly Wealth Podcast and a fiduciary advisor with Parallel Financial, LLC. David specializes in helping business owners align their personal financial plans with their business exit strategies — so they can make the biggest financial decision of their lives with clarity and confidence.weeklywealthpodcast.comThe Weekly Wealth Podcast is produced by Parallel Financial, LLC, a registered investment advisor. All content is for educational and informational purposes only and should not be construed as personalized financial, tax, or legal advice. All examples, including "Tim," are hypothetical illustrations only. Consult a qualified financial advisor before making any financial decisions. Investment advisory services offered through Parallel Financial, LLC.

In this solo episode, host Alex Pardo gives a candid update on Dan's journey to buy his first self-storage facility — a deal that had strong market demographics, favorable bank financing, and real value-add upside, until one buried spreadsheet assumption changed everything. This episode is a real-world lesson in self-storage underwriting, revenue ramp-up timelines, and what it actually costs to miss a detail in your deal filter. If you're working toward your first storage deal and want to understand how to stress-test your numbers before it's too late, this episode will save you from making the same costly mistake Dan made.   You'll Learn How To: Understand why storage revenue doesn't move like a light switch after acquisition Identify the ramp-up period tab in your deal filter and how to use it correctly Calculate how many net move-ins per month is realistic for your market Stress-test your debt service coverage ratio before presenting a deal to a bank Negotiate from a shoulder-to-shoulder position with sellers when deals need restructuring Recognize when a deal that looks good on paper is missing a critical timeline assumption Surround yourself with a community that can catch what your spreadsheet can't   What You'll Learn in This Episode [0:00] Dan's deal looked solid until one buried assumption flipped everything [0:32] Alex introduces Season 2 and Dan's journey from unemployed to first-time storage buyer [1:09] Why Dan wasn't excited when he finally got under contract — and what that reveals [1:45] Why celebrating each step matters even when you've been burned before [2:06] The market fundamentals Dan liked: demographics, income, population growth [2:31] The bank terms that made the deal attractive — 5.29% fixed for 5 years or 5.99% for 10 [3:05] A cautionary tale: a well-known investor who lost $15 million when rates adjusted on a $70M multifamily deal [4:13] Why Alex jumped on an impromptu Zoom to review Dan's underwriting spreadsheet [4:33] How Storage Wins community member Casey McKillop saved $100,000 on his first offer [6:02] The specific tab Dan wasn't reading correctly — net move-ins and the ramp-up period [7:07] The real issue: Dan assumed revenue would jump from $170K to $210K overnight [7:51] It would take Dan 10 months to reach profitability — and he wasn't prepared to fund it [8:09] The bank pulled out after reviewing the deal more closely [8:59] How to explain debt service coverage ratio (DSCR) to sellers and why 1.25–1.3 matters [10:14] The lesson: growth comes from adversity, and Dan won't make this mistake again   Who This Episode Is For: First-time storage investors preparing to make their first offer Investors who have been under contract before and had deals fall through Anyone underwriting a value-add storage deal and projecting a quick revenue bump Buyers who haven't stress-tested their debt service coverage ratio Entrepreneurs who know the numbers but need a second set of eyes on their assumptions Storage investors trying to understand how ramp-up timelines affect deal viability   Why You Should Listen: Dan's deal had everything going for it on the surface — strong demographics, committed bank financing, and a clear path to raising rents. But one overlooked tab in the deal filter spreadsheet showed that revenue wouldn't jump overnight. It would take ten months to reach profitability, and Dan hadn't budgeted for that gap. That single assumption blew up the DSCR, the bank walked, and a deal that looked ready to close came apart fast. This episode isn't about what went wrong. It's about what you can learn before it happens to you. Alex walks through the exact mistake — projecting revenue as a light switch rather than a ramp — and explains why having a community to stress-test your deal before you go under contract is worth more than almost anything else in this business. The most expensive education is experience. But it doesn't have to be yours. Dan learned this lesson so you don't have to.   Follow Alex Pardo here: Storage Wins Website: https://www.storagewins.com Book a Discovery Call: https://www.storagewins.com/call Storage Wins Facebook Group: https://www.facebook.com/groups/storagewins Instagram: @alexpardo25 YouTube: Storage Wins   If this episode hit home, share it with someone who's currently underwriting a self-storage deal or about to make their first offer. One conversation, one extra set of eyes on a spreadsheet, can be the difference between a great deal and an expensive lesson. Follow Storage Wins on your favorite podcast platform, and leave a rating and review — it helps more investors find the show. Ready to move from learning to owning? Head to https://www.storagewins.com/call and schedule your free ten-minute discovery call with Alex. Your first storage facility is closer than you think. Join the Storage Wins Facebook Group and connect with investors who are in the trenches just like you. The community is free, the knowledge is real, and the next deal could come from a conversation you haven't had yet.

Most independent practice owners know the practice and their personal life are supposed to be separate. Separate entities, separate accounts, separate tax returns. Almost none of them have built the structural separation that makes that true when things get hard. EP185 covers the three systems that explain why one bad quarter in the practice becomes a personal financial event, and the firewall that stops it. System 1 — The Entanglement: No formal salary. No distribution schedule. Whatever is left in the business account goes home with the owner. In a good month: $40,000. Mortgage, 529, investment contribution. In a bad month: $14,000, covered with personal savings. The savings account does not come back as fast as the practice does. System 2 — The Bad Quarter Multiplier: The cascade that runs from a billing disruption straight through to the owner's personal financial decisions. Collections drop. Distribution skipped. Mortgage still goes out. Investment contribution paused. Operational decisions made under financial stress — delay the hire, pull back on marketing, hold off on the software upgrade that would have fixed the billing gap that caused the problem. That practice is always one bad quarter away from making decisions a wealthier version of itself would never make. The Cascade in Numbers: Payer delays 45+ days → Operating account drops → Owner stops paying themselves first Denial rate spikes 5% to 14% → $28K/month delayed or lost → Personal savings tapped for household bills Key provider unexpected leave → Volume drops 30% → No distribution for 60 days Contract renegotiation stalls → 90 days cash flow uncertainty → Investment contributions paused indefinitely System 3 — The Firewall: A market-rate owner salary that does not move with revenue. A distribution schedule tied to net profit after a defined reserve threshold. Personal savings that build independent of what the practice has on hand. In a bad quarter: the salary still goes out, the distribution pauses, and the operational decisions come from strategy instead of personal financial pressure. Referenced: Profit First by Mike Michalowicz — the formula flip that makes the firewall mechanical. Three actions this week: Calculate your real owner salary — what you would pay someone else to do your job Define your operating reserve threshold — one month of payroll minimum, two months standard Schedule a financial separation review with your accountant — ask what a 30% revenue drop does to your personal finances Episode breakdown: 00:00 The $380K practice that one quarter turns 03:00 The big idea: revenue is not wealth 06:00 System 1: The Entanglement 10:30 Working vs. broken — the same practice, two outcomes 13:30 System 2: The Bad Quarter Multiplier 17:00 The cascade and what it actually costs 20:00 System 3: The Firewall 24:30 Profit First applied to a medical practice 27:00 Three actions this week 31:00 Free resource + EP185 tease Resources Mentioned Payment Posting Audit Checklist (free): eligibility.natrevmd.com/payment-posting-checklist Practice Revenue Leak Scorecard (free): eligibility.natrevmd.com/nrm-revenue-scorecard-v3 Book a free 30-minute audit call: calendly.com/heather-natrevmd RECOVER Diagnostic Quiz: natrevmd.com/quiz Book referenced: Profit First by Mike Michalowicz 

The Bank of Canada decides on June 10, and last week's jobs report may have just taken the rate cut you were budgeting for offthe table. Canada added 88,000 jobs in May against a forecast of 10,000, and bond yields jumped on the news. In this one Ibreak down what that actually does to fixed vs variable, why a strong economy makes your fixed rate more expensive, and how to plan your renewal around it.

Most investors lose to the market because they're trying to pick winners in a game where only 4% of stocks have created 100% of market wealth over the past century. The math isn't in your favor—but there's a simpler path that is. Key Topics Discussed Introduction to FI 201 (00:00:00) Jonathan introduces the concept of Financial Independence 201, explaining how it builds on FI 101 to help individuals progress from control to optimization and independence on their FI journey. The Genesis of FI 201 (00:05:30) Allen and Kristen explain how they identified the need for a 201-level presentation based on questions emerging from their St. Louis FI 101 sessions, particularly around investing concepts. Asset Allocation Fundamentals (00:15:00) Allen breaks down asset allocation as 'your money pie,' discussing how to balance growth, safety, and emergency funds while considering time horizons and diversification strategies. Risk Tolerance vs Risk Capacity (00:22:00) The team explores the critical difference between emotional risk tolerance and actual risk capacity, using examples from 2008 and 2020 market crashes to illustrate real-world application. Tax-Advantaged Account Strategies (00:35:00) Allen and Brad discuss the various tax treatments of investment accounts including 401(k)s, 457(b)s, Roth IRAs, HSAs, and taxable brokerage accounts, emphasizing lifetime tax optimization. Individual Stocks vs Index Funds (00:48:00) The hosts examine the data on individual stock picking, revealing that only 4% of stocks have contributed to 100% of market wealth over the past century, making a strong case for index investing. Dividends and Tax Control (00:55:00) Brad and Allen discuss why the FI community often prefers capital gains over dividend income, focusing on the importance of maintaining control over when and how you realize taxable events. Notable Quotes "You can't save your way to FI, you have to invest." — Allen Hansen "When there's a dip, you essentially get to buy the market on sale. If you love a bargain, this is it." — Brad Barrett "Why in the world do we not think that way when it comes to the market? Our brain completely flips. We're like, ah, we're scared." — Kristen Knapp "It's not what's my tax this year. It is what is going to be my tax burden over my lifetime." — Brad Barrett "The best investing lesson: stand there and do nothing. If you're invested, just don't do anything and you're going to be rewarded." — Allen Hansen Key Takeaways Assess your own risk tolerance and risk capacity honestly by considering how you would react to a 30% portfolio drop Review your current asset allocation across all accounts and determine if it aligns with your time horizon and financial goals Calculate the difference between your marginal and effective tax rates to understand your true tax burden Identify which tax-advantaged accounts you have access to (401k, 457b, 403b, HSA, IRA) and ensure you're maximizing employer matches Track every dollar of taxable income if you're on ACA subsidies or approaching any subsidy cliffs to avoid losing benefits Consider whether you have the right balance between taxable, tax-deferred, and tax-free accounts for maximum flexibility in retirement Join or start a local FI group to benefit from community wisdom and learn from others at different stages of the journey Review your portfolio for dividend-heavy investments and consider whether you'd prefer more control over when you realize taxable events Resources & Links FI Friends Travel The Simple Path to Wealth by J.L. Collins Tax Planning to and Through Early Retirement by Sean Mullaney and Cody Garrett ChooseFI Community App St. Louis FI Group BlackBerry Documentary (Netflix) Arizona State University Stock Market Wealth Study Brian Feroldi (individual stock investing advocate) Investopedia

Six years after our “Score preparation and production notes” episode — Episode No. 2 — essentially launched the podcast, 163 episodes later, Philip Rothman and David MacDonald return to the article that inspired the conversation: David’s score preparation checklist. The principles — respect for performers, readable parts, enough time for page turns — are as true as ever. But almost every specific tool reference in the original has a fuller story now. The conversation moves section by section, serving as a reminder of the timeless principles and exploring all of the meaningful changes in the technology. Dorico’s live-reference cue system has become the standard no one else has matched — and the ease of it has quietly changed how generously cues get applied. The Dorico 6 Proofreading panel represents a new category of preparation tool, while the Sibelius plugin ecosystem has its own parallel answers. The condensing and decondensing workflows now available in both Dorico and Sibelius 2025.2 have transformed what was once among the most tedious jobs in parts preparation, and Sibelius 2025.7’s Auto-Respace toggle closes a gap that used to just be accepted. Two sections are entirely new to the checklist: digital delivery — where the iPad has become as common in rehearsal as a music stand — and a pointed look at the file-organization habits that make or break a delivery package. This one’s chock-full of tips, resources and advice — with David’s updated accompanying article to come soon. Products mentioned Notation software Dorico (Steinberg) Sibelius (Avid) MuseScore Studio (Muse Group) Finale (MakeMusic) (mentioned as discontinued) Fonts MusGlyphs (available at Notation Central) NYC Music Services / Notation Central PDF Batch Utilities Desktop publishing and document tools Affinity (Canva) (now free) Apple Pages Microsoft Word LibreOffice Other tools mentioned Claude Cowork (Anthropic) (mentioned for AI-assisted file organization) Name Mangler / Renamer (mentioned briefly for file naming) forScore (mentioned as a score-reading app) Previous Scoring Notes posts and podcast episodes Directly mentioned or closely related: Score preparation and production Notes (David’s original 2018 article) Score preparation and production checklist (Episode 2, 2020) Partying with parts, part 1 (podcast, December 2021) Partying with parts, part 2 (podcast, December 2021) Orchestra librarians want you to know about parts paper sizes (May 3, 2022) Orchestra librarians want you to know about instrument names (June 20, 2022) Behind “Behind Bars” with Elaine Gould (podcast, July 2023) Behind Bars: General Conventions edition published (June 2023) Dorico 6: Proof positive (review, April 2025 — Proofreading Panel) Dorico 6.0.22 extends proofreading capabilities (July 2025 — ignore feature) Sibelius 2025.7 brings note spacing control, UI updates (July 2025 — Auto-Respace) Sibelius 2025.2 introduces decondensing parts with staff filters (February 2025) Sibelius 2022.5 brings multi-section headers, other workflow boosts (May 2022) MusGlyphs: an advanced music text font (April 2021) PDF Batch Utilities get a major rebuild — and a brand new app (March 2026) Freshly pressed (podcast, April 2026 — PDF Batch Utilities in depth) Calculate the weight, basis weight, or grammage of paper (April 2025) Chronology of a perfect music printing job (January 2022) DJA’s Notes: Music preparation basics (Darcy James Argue, September 2023) Documenting the documenter: Lillie Harris (podcast, April 2021 — Dorico manual) David MacDonald’s updated Score Preparation and Production Notes article Other references Elaine Gould, Behind Bars: The Definitive Guide to Music Notation (Faber Music) — cues: p. 566; front matter: chapter 17, pp. 501–504 Elaine Gould, Behind Bars: General Conventions (Faber Music) — the first third of Behind Bars as a standalone paperback and e-book MOLA Guide (Major Orchestra Librarians’ Association) — free PDF download Sibelius plugins page (still active at sibelius.com) Darcy James Argue, Music Preparation Fundamentals for Jazz Composers & Arrangers — free download Darcy James Argue, Music Preparation for the Large Jazz Ensemble — free download (supplement to the above)

You're caught between two terrors: gaining weight and staying exactly where you are forever. You've spent years in a disordered mind with disordered thoughts creating disordered behaviors. You'll do anything to break free, but you're trying to HAVE recovery while still BEING the trapped version of yourself. Today we're flipping the script with the Be-Do-Have formula that makes recovery inevitable. In this transformational episode, you'll discover: Why most people have recovery backwards (and why it keeps them stuck) The science-backed Be-Do-Have formula that doubles success rates How to BE recovered before you feel recovered The identity shift that changes everything automatically Why staying where you are is actually scarier than changing How to stop starving for your old life and start living as your new self For the woman ready to stop settling for survival and start choosing to thrive. THE BACKWARDS APPROACH THAT KEEPS YOU STUCK Most people think: "When I HAVE food freedom, then I'll DO recovery behaviors, then I'll BE recovered." Research from Stephen Covey and modern neuroscience proves this backwards. The truth: You must BE the person you want to become, DO what she does, then you'll HAVE what you want. Dr. James Clear's identity research shows: People who say "I am someone who nourishes my body" have 40% higher success rates than those who say "I want to eat better." THE BE-DO-HAVE FORMULA IN RECOVERY BE: The woman who trusts her body completely DO: Eat without negotiation, rest without guilt, take up space HAVE: Food freedom, body peace, mental clarity BE: The woman who values nourishment over control DO: Choose pasta at dinner, have birthday cake, skip gym when tired HAVE: Energy, joy, presence in your own life The scary part: You start BEING her before you feel ready, before you see results, before it feels natural. THE SCIENCE BEHIND THE FORMULA

In episode 186 of 'On the Whorizon' SWCEO founder and host MelRose Michaels walks through the 5 retention metrics every OnlyFans creator should know how to calculate (churn rate, retention rate, average subscriber lifetime, lifetime value and net revenue retention), exactly where on OnlyFans the data lives, the math for each one using realistic creator numbers, the benchmarks for what's healthy versus what's a flag, and the 3 retention levers that actually move churn.

Can you calculate exactly how many calories, carbohydrates, vitamins, and nutrients your body needs every day?   In this episode, Shelley breaks down why nutrition recommendations are estimates rather than exact prescriptions. Learn how metabolism, stress, sleep, movement, and bioindividuality influence nutrition needs, and why overall patterns matter more than precise calculations. Read More: Can You Calculate Exactly What Your Body Needs? (And Why It's Not That Simple)

Hospitals already have felt some of the effects of the Inflation Reduction Act on 340B savings, but with the IRA set to expand to more drugs in 2027, hospitals also are starting to project how it might affect their bottom lines next year. 340B Vice President of Pharmacy Services and Education Steven Miller joins us to explain how hospitals can be making those projections now.The IRA Will Expand to Another 15 DrugsNext year, an additional 15 drugs will be subject to Medicare price caps under Medicare Part D on top of the 10 drugs that saw caps this year. Steve says this will cut into 340B savings and overall margins even more — with some 340B discounts possibly dropping to their statutory minimums. These reductions also will translate to commercial and cash-pay dispenses, changing the overall financial outlook for hospitals.Hospitals Cannot Rely on Current 340B Savings Levels for 2027Steve says the 2027 changes are key for future budgeting. If hospitals do not adjust how they are budgeting for 340B drugs subject to Medicare price caps, they are likely to be short on their budget projections. He strongly recommends 340B teams have important conversations with finance teams now about how the IRA will affect their hospital or health system next year.Hospitals Can Be Planning NowFor the rest of 2026, Steve recommends hospitals monitor list pricing and 340B ceiling pricing regularly and to increase monitoring of purchases overall, given how drugmaker pricing behavior affects future 340B prices and savings. As the IRA continues to broaden over the next several years, including to Medicare Part B dispenses, he also recommends hospitals consider securing funding or support from other areas for any 340B-funded services that might see negative IRA impacts.Resources:Prepare Your Leadership for 340B Changes From 2027 Medicare Drug Price Caps

All this week we're looking at AI and the potential role it will play in the lives of our children and teens. Specifically, were looking at some conclusions made by the Brookings Institution in their new report titled, “A New Direction for Students in an AI World: Prosper, Prepare, Protect.” The report offers a framework for schools and families to consider related to their main findings on AI. Researchers looked at potential negative risks, along with how to prevent those risks while maximizing the potential benefits of AI. Researchers are telling us as parents, educators, and youth workers to be very careful and to move slowly, as the risks of AI overshadow the benefits. They report that AI can enrich the learning experience when safety guardrails are erected and caution is taken to ensure that AI content is accurate. In addition, over-reliance on AI can put our children's learning capacity, relationships, and well-being at risk. Parents, exercise oversight and caution.

Retirement planning does not stop when you reach your savings goal. The next challenge is figuring out how to turn those savings into dependable retirement income. In this episode, David Shotwell and Nick Nauta discuss retirement income planning for Michigan State University employees, including how to estimate spending needs, structure withdrawals, evaluate Social Security timing, and think about taxes in retirement. Topics covered: Determining retirement spending needs Understanding income sources in retirement Creating withdrawal strategies from retirement accounts Evaluating Social Security timing decisions TIAA Traditional income considerations Tax planning around retirement withdrawals Common mistakes retirees make Helpful resources: Retirement Spending Worksheet Related episodes: Tax Planning Episode:S4E18 – What to Know About Taxes in Retirement Social Security Planning:Ep 116: Getting Real About Social Security Contact SRB today at 517-321-4832 or email us at info@srbadvisors.com. Don’t forget to subscribe to our channel for more bite-sized financial and retirement tips: https://www.youtube.com/@shotwellrutterbaer The post S5E11 – How to Calculate Your Retirement Income appeared first on Shotwell Rutter Baer.

Are you running an accounting practice that relies entirely on your own personal production, or have you built a scalable business that can exist independently of you? For accounting firm owners, managing partners, and CPAs starting firms, understanding how to shift from manual operations to an acquirable business model is the ultimate goal. In this episode of Growing Your Firm, host David Cristello sits down with Joe Manganelli, the former founder and CEO of Calculate. Joe shares his incredible journey of launching, scaling, and successfully selling his outsourced CFO and accounting firm in under seven years. He pulls back the curtain on his aggressive top-line growth strategies, pricing models, and how he scaled his team to nearly 45 headcounts with zero outside funding. In this episode, we explore: - The Bootstrapped Blueprint: How Joe scaled Calculate to a $10M run rate without taking on venture capital or outside investment. - Top-Line Growth vs. Profitability: The strategic decisions behind running a high-growth firm (averaging 75%+ year-over-year) with modest margins. - Frictionless Client Acquisition: Transitioning from exhausting networking events to building a highly efficient, inbound B2B referral network. - The "Experienced" Hiring Strategy: Why your first operations managers and team members should have more experience than you do to truly offload workflow responsibilities. - The Reality of M&A: What the modern sale structure looks like for accounting firms, from equity rollovers to earnouts and transition periods.  

What if you could sit across from 10 of the most successful entrepreneurs alive, ask them one money question, and actually get a straight answer? No fluff, no sales pitch, just the real stuff. That's exactly what I did, and honestly, what came out of it might change the way you think about money forever. This episode is a mashup of some of the most powerful financial wisdom I've ever collected on The Happy Hustle Podcast. Over time, I asked 10 incredible guests two simple questions. What does happy hustling mean to you? And what's your best money hack? We're talking Dr. Myron Golden, John Lee Dumas, Dan Martell, Rory Vaden, Danette May, Garrett Gunderson, Nathan Barry, Kris Krohn, Pat Flynn, and Kiana Danial. Nine figure founders, New York Times bestselling authors, Hall of Fame speakers, and real estate moguls. I pulled all their answers together, distilled them down, and found something I honestly didn't even expect to find. Three clear money patterns that every single one of them follows. Whether you're still grinding through your first income stream or you're already running a business and wondering why the wealth still feels out of reach, this one is going to hit different. The first big lesson that kept showing up was this: stop trading time for money. My brother Myron Golden put it simply. Price your offer by the value of the result, not the hours it takes. Dan Martell added another layer with his buyback rate concept. Figure out what your time is worth per hour, then ruthlessly outsource everything below that number. CKris Krohn brought it home with real estate, reminding us that renters fund landlords and employees fund employers. The point? Your income needs to be detached from your hours. That's the whole game. The second lesson is build once and earn forever. Pat Flynn, Nathan Barry, Rory Vaden, and my girl Danette May all circled around this same idea in their own way. Build an audience. Build a flywheel. Build a personal brand with your reputation as the foundation. Danette laid it out beautifully. One book becomes a course, becomes a coaching program, becomes a product line. Your story is the asset woven through all of it. And as Rory said, reputation precedes revenue. In a world where AI can replicate almost any skill, your name and your story are the one thing that can't be copied. The third lesson is that cash flow is king and identity is queen. Garrett Gunderson said it clearly. Cash flow beats net worth. Invest in assets that pay you monthly. Kiana Danial backed this up with a deceptively simple move, dollar cost averaging into the market every single month without fail. The reason most people aren't building wealth isn't a lack of access. It's a lack of consistency. Buy, hold, repeat. Here's what I want you to walk away with. Five moves you can make right now. Calculate your buyback rate, which is your annual income divided by roughly 2000 hours, then stop spending time on anything below that number. Reprice at least one offer based on the value it delivers, not the hours it took you. Add one cash flowing asset this quarter, whether that's real estate, dividend stocks, or a digital product. Pick one platform, show up weekly for 90 days straight, no exceptions, and start building that audience flywheel. And start dollar cost averaging today, even if it's just a hundred bucks a month into an index fund. The automation takes the emotion out of it completely. This episode is short on theory and long on action. If you're serious about financial freedom and you want to hear the full wisdom from each of these incredible conversations, go listen to the full episode right now at https://caryjack.com/podcastin/. Now get out there and happy hustle. Connect with Cary!https://www.instagram.com/caryjack/https://www.facebook.com/SirCaryJackhttps://www.linkedin.com/in/cary-jack-kendzior/https://twitter.com/thehappyhustlehttps://www.youtube.com/channel/UCFDNsD59tLxv2JfEuSsNMOQ/featured Get a copy of his new book, https://www.thehappyhustle.com/book Sign up for The Journey: 10 Days To Become a Happy Hustler Online Course @ https://thehappyhustle.com/thejourney/ Apply to the Montana Mastermind Epic Camping Adventure @ https://thehappyhustle.com/mastermind/ “It's time to Happy Hustle, a blissfully balanced life you love, full of passion, purpose, and positive impact!” Episode Sponsors: If you're feeling stressed, not sleeping great, or your energy's been kinda meh lately—let me put you on to something that's been a total game-changer for me: Magnesium Breakthrough by BiOptimizers. This ain't your average magnesium—it's got all 7 essential forms that your body needs to chill out, sleep deeper, and feel more balanced. I take it every night and legit notice the difference the next day. No more waking up groggy or tossing and turning all night If you're ready to sleep like a baby, calm your nervous system, and optimize your recovery, go grab yours now at https://www.bioptimizers.com/happy and use code HAPPY10 for 10% OFF. =================================================================== My Green Mattress If you've been waking up with back pain, feeling stiff, or just not getting that deep, quality sleep. This might be what you're missing: My Green Mattress. It's made with clean, non-toxic, and eco-friendly materials, so you're not just sleeping better, you're sleeping healthier too. The comfort and support are on another level, and you can really feel the difference night after night. 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Send us Fan MailShownotes can be found at https://www.profitwithlaw.com/534.What if the reason your law firm feels stuck has nothing to do with how hard you're working — and everything to do with what you're focused on?In this talk from the Make ADHD Your Genius™ Summit, Moshe Amsell — founder of Profit With Law and CPA to law firm owners — breaks down the exact framework he uses with his clients to go from overwhelmed and underpaid to running a profitable, scalable firm.Moshe shares the real math behind why solo law firm owners stay stuck (hint: it's not your hourly rate), why systems and processes are the last thing you should be focused on right now, and the surprisingly simple 12-month planning method that gives ADHD minds the structure and clarity to actually execute.Chapters:[00:00] Learn how to overcome overwhelm and boost law firm productivity[03:14] Discover Moshe's journey to helping lawyers achieve business growth[10:02] Why attorneys get stuck in the solo practice trap[12:44] Recognize the real law firm growth bottleneck—it's not systems or processes[16:04] See how billing efficiency impacts your practice's income[18:32] Stop waiting—hire key team members to scale your firm[20:41] Avoid costly hiring mistakes that hold your practice back[22:53] Break down big law firm decisions into manageable, low-risk steps[26:24] Build a practical 12-month plan for predictable firm revenue[28:48] Calculate how many clients your law practice really needs[30:39] Set the right law firm payroll and scaling benchmarks[32:54] Unlock attorney referrals and local network marketing on a budget[34:41] When to implement systems and processes for law firm efficiency[40:03] Master weekly planning habits for consistent law firm success Resources mentioned:

Revenue is still the number most ecommerce founders lead with. It's the easiest to celebrate, the easiest to screenshot, and the one that gets the most airtime in strategy conversations. But it's also the number that tells you the least about whether the business is actually working.Most operators are chasing a revenue target that has no maths behind it. Nobody has calculated the one number that gives a revenue target its job. Gross profit might be off. Contribution margin might be close to zero. Overheads might be quietly eating through whatever's left. And the founder usually finds out too late, when cashflow tightens or a BAS payment lands.The brands getting this right do three things differently.In this playbook, based on a conversation with Matt Byrne, founder of Day One Advisory, we cover three things ecommerce operators need to know about calculating a breakeven number that actually works:Start with the sequence, not the target. Gross profit and contribution margin come before breakeven, and if either is off the breakeven will be tooThe formula takes ten minutes, but it only works if you run it twice. Once with the numbers as they are, then again with subscriptions and full people costs includedUse breakeven before you make a decision, not after. Discount campaigns, ad spend targets and stock orders should all be stress tested against it firstConnect with Matt Byrne Explore Day One AdvisorySubscribe to the Add To Cart newsletter  SMS us to Suggest a Guest Connect with Nathan Bush Join the Add To Cart Community 

Blood Sweat & Gear dives into TRT, Trestolone, carb loads, GH testing, Masteron & estrogen, Melanotan 2, cutting strategies, and real coaching insight from experienced bodybuilding coaches. We break down physique critiques, off-season nutrition, health support supplements, and what really matters for progress on cycle and in prep. Featuring Scott McNally and the crew discussing bodybuilding, PEDs, coaching, contest prep, and the science behind getting bigger, leaner, and healthier. 0:00 Intro & Listener Questions 1:00 Trestolone (MENT) as TRT Instead of Testosterone? 4:30 How Top Coaches Use High Days in a Diet 9:00 How to Calculate the Perfect Carb Load 11:45 The Most Important Part of Great Coaching 15:30 Using High Days During the Off Season 19:30 Do Taller Bodybuilders Need More Gear? 24:30 Should You Test GH Labs While Using Growth Hormone? 28:50 300 Test + 300 Masteron — Estimating Estrogen Levels 35:00 Sending PED Samples to Janoshik Explained 36:30 Melanotan 2 Protocols, Dosing & Results 40:45 Should There Be a Coaching Review Website? 44:30 Best Training Tips While Cutting Calories 50:10 Do You Need Health Supplements During a Cruise? 56:00 Live Physique Critique & Feedback 1:03:45 Behind the Schedule & Podcast Talk 1:05:30 Why Everything at Think Big Is Eccentric 1:07:00 Ms. Olympia Joins the Chat 1:10:40 Scott McNally's Client Competing in Germany

Send us Fan MailThis one is going to make a few LOs uncomfortable.Frazier and Michael are calling out one of the quietest money leaks in the mortgage business:

Send us Fan MailAI for nonprofit staff burnout is becoming one of the most important operational conversations in the sector. This episode explores how nonprofits can use AI to reduce staff burnout, protect institutional knowledge, and build smarter internal systems. Ben Hays of Your Part-Time Controller explains why burnout belongs in boardroom conversations about risk, finance, staffing, and mission sustainability.Burnout is often treated as an emotional or HR issue, but Ben reframes it as a financial, governance, and risk issue. When nonprofit employees leave, the organization loses more than a person. It loses institutional knowledge, training investment, workflow stability, grant reporting confidence, and often months of productivity.As Ben explains, “There's also a financial cost to burnout, which usually doesn't show up in the financial statements until later down the road.” That hidden cost can affect reimbursements, compliance, reporting timelines, employee morale, and even funder confidence.This informative conversation moves beyond surface-level wellness talk and into the operational realities nonprofit leaders face every day. Ben encourages executive directors and boards to examine role clarity, priorities, internal systems, onboarding costs, staff training time, and the infrastructure needed to retain people instead of repeatedly replacing them.AI enters the conversation not as a magic answer, but as a business tool. Used responsibly, AI can reduce repetitive tasks, support first drafts, assist with grant applications, speed up reconciliations, improve communication across departments, and give teams more room for analysis and decision-making.But Ben is clear: responsible AI starts with policy and training. Nonprofits need guidelines that protect donor data, client information, employee records, and financial confidentiality. “AI is not here to replace humans,” Ben says. “You still need to look it over. You still need to make sure it makes sense.”  00:00:00 Welcome to The Nonprofit Show 00:02:25 Ben Hays and Your Part-Time Controller 00:04:13 Why Burnout Has a Financial Cost 00:06:04 Burnout as a Governance and Risk Issue 00:07:05 Retaining Staff Versus Replacing Staff 00:09:51 How to Calculate the Cost of Turnover 00:11:28 Broken Systems Create Repeat Burnout 00:12:45 Why Outside Assessment Can Help 00:14:10 Building a Culture That Welcomes Feedback 00:18:29 Wellness Programs Are Not Enough 00:19:38 Responsible AI Use Starts With Policy 00:21:27 AI Can Create Time to Think 00:23:42 AI Across Finance, Programs, and Operations 00:25:27 Reframing AI as a Tool, Not a Threat 00:28:28 Final Thoughts on AI, Burnout, and Nonprofit Capacity #TheNonprofitShow #NonprofitAIFind us Live daily on YouTube!Find us  Live daily on LinkedIn!Find us Live daily on X: @Nonprofit_ShowOur national co-hosts and amazing guests discuss management, money and missions of nonprofits!  12:30pm ET   11:30am CT  10:30am MT  9:30am PTSend us your ideas for Show Guests or Topics: HelpDesk@AmericanNonprofitAcademy.comVisit us on the web:The Nonprofit Show

Hour 3: The Real Way To Calculate Strength of Schedule, Portal in the Pros, Why Doubt the Chiefs? full 2545 Wed, 13 May 2026 14:41:40 +0000 c5Isc1yfPTpu0jsKNhPELsLXoCGn8RYU nfl,mlb,kansas city chiefs,sports Fescoe & Dusty nfl,mlb,kansas city chiefs,sports Hour 3: The Real Way To Calculate Strength of Schedule, Portal in the Pros, Why Doubt the Chiefs? Fescoe in the Morning. One guy is a KU grad.   The other is on the KU football broadcast team,  but their loyalty doesn't stop there as these guys  are huge fans of Kansas City sports and the people  of Kansas City who make it the great city it is.   Start your morning with us at 5:58am!   2024 © 2021 Audacy, Inc. Sports False

Upgrading your ecommerce platform can be daunting, especially with the risk of disrupting sales. Experts James Gurd and Paul Rogers share strategies to modernise confidently without adversely impacting revenue.The podcast is based on a combined 40 years' replatforming experience. Discussion points include:Managing Technical DebtTechnical debt, like inefficient code and clunky integrations, can hinder platform upgrades. Addressing this debt is crucial for a smooth transition. We discuss conducting thorough audits, prioritising cleaning up bloated themes and implementing continuous code reviews to prevent new debt.Handling SEO risksSEO traffic drops are a major concern during platform changes but there's a clear process to follow to minimise risk: for example, benchmark current rankings, plan URL changes carefully and use 301 redirects. Post-migration, monitor organic traffic and keyword rankings closely to recover quickly.Building a business case for changeDespite economic pressures, replatforming can be justified through cost savings, efficiency gains and potential revenue uplift. Calculate reduced support costs, forecast growth conservatively and highlight support cost reductions to build a strong business case.Using prototyping to validate planned changesRapid prototyping allows you to test and refine concepts on your existing stack before full implementation, reducing costly rework. Focus on high-impact areas like checkout and navigation, and use low-code platforms to simulate user journeys.Modernising your ecommerce platform doesn't have to mean risking revenue. By addressing technical debt, safeguarding SEO, building solid business cases and using rapid prototyping, you can stay competitive without disrupting sales. Incremental improvements guided by expert advice are the safest route to a resilient, revenue-driving platform.Chapters:[00:30] - Introduction: Modernisation challenges and risk mitigation[02:00] - Approaches to reducing technical debt: legacy code, documentation and third-party integrations[05:00] - Common issues with front-end themes and how bloated themes impact performance[08:10] - Replatforming considerations: scope, costs and agency support[11:00] - Ensuring performance and accessibility standards in theme builds[13:00] - Practical steps for enhancing front-end performance without replatforming[17:40] - Justifying replatform ROI amid economic pressures[22:50] - Cost-effective opportunities in migration projects: feature scope and trade-offs[28:15] - Solution MVPs and phased launches for risk management[32:50] - Using existing site data for testing and benchmarking pre-launch changes[34:55] - Strategies to avoid SEO traffic drops during migration[40:20] - Increasing team agility through prototype-driven development and low-code solutions

☎️ Book Your COMPLEMENTARY CONSULTATION and CALORIE CALCULATION Call: https://calendly.com/d/2p8-mxx-dgf/free-consultation-call-zoom⁠⁠⁠⁠⁠⁠Join our 8 Week Fat Loss Coaching Program: https://www.vitalityoet.com/2026fatloss You've probably seen it — or done it. You ask ChatGPT how many calories you should eat, it gives you a number, and you follow it. It sounds scientific. It feels like you're doing something right.But here's what nobody's telling you: the formula ChatGPT uses doesn't know your hormones, your thyroid, your stress, your sleep, your diet history, or how well your body actually converts food into fuel. It uses four variables to calculate a number that should require at least twelve.And then there's the other problem — ChatGPT is trained to agree with you. If you've been going down a low-carb path, it's going to hand you a low-carb plan. Not because it's right for you. Because it's designed to mirror back what you already believe.In this episode, Stephanie breaks down exactly why AI-generated calorie and macro calculations miss the mark for women in perimenopause and beyond — and shares what she found when she put ChatGPT's meal plan directly into MyFitnessPal.

Listeners respond to Relebogile Mabotja's open line questions asking, how much do you think you would have to pay your parents for raising you?702 Afternoons with Relebogile Mabotja is broadcast live on Johannesburg based talk radio station 702 every weekday afternoon. Relebogile brings a lighter touch to some of the issues of the day as well as a mix of lifestyle topics and a peak into the worlds of entertainment and leisure. Thank you for listening to a 702 Afternoons with Relebogile Mabotja podcast. Listen live on Primedia+ weekdays from 13:00 to 15:00 (SA Time) to Afternoons with Relebogile Mabotja broadcast on 702 https://buff.ly/gk3y0Kj For more from the show go to https://buff.ly/2qKsEfu or find all the catch-up podcasts here https://buff.ly/DTykncj Subscribe to the 702 Daily and Weekly Newsletters https://buff.ly/v5mfetc Follow us on social media: 702 on Facebook https://www.facebook.com/TalkRadio702 702 on TikTok: https://www.tiktok.com/@talkradio702 702 on Instagram: https://www.instagram.com/talkradio702/ 702 on X: https://x.com/Radio702 702 on YouTube: https://www.youtube.com/@radio702 See omnystudio.com/listener for privacy information.

In this episode of the HVAC Know It All Podcast, host Gary McCreadie talks with Eric Ruggles, Director of Engineering at Ritchie Engineering Co., Inc. (YELLOW JACKET), about airflow, static pressure, and modern diagnostic tools. In Part 2, they discuss proper system commissioning, checking pressure across components, and identifying airflow restrictions without disassembling equipment. Eric explains how tools like a digital manometer and wireless probes help measure system performance, airflow, and gas pressure. They also cover the shift from manifolds to probes, including concerns about refrigerant loss and system contamination. The conversation wraps up with practical insights on using airflow, temperature, and CFM measurements to determine true system capacity and improve service decisions. Gary and Eric discuss airflow testing, static pressure, and how modern tools improve system diagnostics and performance. They explain how proper commissioning sets baseline readings and helps identify issues like plugged coils or airflow restrictions. Eric describes how digital manometers and probes can measure pressure, airflow, and gas pressure while creating reports for customers. They also cover the shift from manifolds to probes, including concerns about refrigerant loss and contamination. They finish by explaining how airflow, temperature, and CFM measurements can confirm true system capacity and support better service decisions. Expect to Learn: How proper commissioning helps set baseline readings for system performance. How checking static pressure across components can reveal airflow restrictions. Why tools like digital manometers and probes improve accuracy in diagnostics. How wireless probes can measure pressure, airflow, and gas without losing refrigerant. How airflow, temperature, and CFM readings help confirm true system capacity.   Episode Highlights: [00:00] - Sponsor: Factory Direct Filters ad [00:42] - Intro to Eric Ruggles in Part 02  [02:03] - Checking static across devices [03:58] - Yellow Jacket Mano tool overview [05:32] - Probes vs. manifolds debate [12:08] - Calculate real BTU capacity without gauges [15:32] - 3-tool non-invasive maintenance [16:55] - Duct traverse with Y Jack Flow   This Episode is Kindly Sponsored by: Cintas: https://www.cintas.com/hvacknowitall Cool Air Products: https://www.coolairproducts.net/ Factory Direct Filters: https://www.factorydirectfilters.com/ SupplyHouse: https://www.supplyhouse.com/tm Use promo code HKIA5 to get 5% off your first order at Supplyhouse!   Follow the Guest Eric Ruggles on:  LinkedIn: https://www.linkedin.com/in/eric-ruggles-28a84424/   Ritchie Engineering Co., Inc. (YELLOW JACKET): https://www.linkedin.com/company/ritchie-engineering-co-yellow-jacket-/   Ritchie Engineering Co., Inc. (YELLOW JACKET) - Website: https://yellowjacket.com/    Follow the Host on: LinkedIn: https://www.linkedin.com/in/gary-mccreadie-38217a77/  Website: https://www.hvacknowitall.com Facebook: https://www.facebook.com/people/HVAC-Know-It-All-2/61569643061429/   Instagram: https://www.instagram.com/hvacknowitall1/  Follow the Podcast on:  YouTube: https://www.youtube.com/@HVACKnowItAll   Spotify: https://open.spotify.com/show/6LCBJGw0EHG03rdWHxUMce  Apple Podcast: https://podcasts.apple.com/us/podcast/hvac-know-it-all-podcast/id1359253455 

These episodes of #thePOZcast, live from Transform 2026 in Las Vegas, are proudly brought to you by our friends at Overalls What if your employees had one central hub to handle real life? Meet Overalls. A smarter way to support your team, combining expert human LifeConcierges™ with AI to solve everyday challenges across healthcare, caregiving, benefits, insurance, finances, life admin, and more. From start to finish, Overalls handles the details — using existing benefits where they fit, and filling in the gaps where they don't. So employees save time, reduce stress, and stay focused at work, while employers boost engagement and get more value from their benefits. Overalls is redefining how work supports life, helping employee teams from Reddit, Patreon, BeatBox, and more cross pesky to-dos off their lists every day. Learn more at https://getoveralls.com/?utm_source=podcast&utm_medium=podcast&utm_campaign=pozcast Thanks for listening, and please follow us on Insta @NHPTalent and www.youtube.com/thePOZcast For all episodes, please check out www.thePOZcast.com Key Takeaways 1. There Is No Business Outcome That Doesn't Involve People Revenue, innovation, customer experience, strategy execution — all of it runs through people. Angela's foundational belief is that HR, positioned correctly, is directly tied to every business result an organization needs. That framing changes everything about how the function shows up. 2. HR Started as Process — and Forgot About Influence Angela's diagnosis of how HR lost its seat at the table: the function got very good at processing and forgot about influencing. The path back is showing up with data, tying recommendations to business outcomes, and being part of the conversation rather than behind it. 3. Policy Should Be a Guideline, Not a Wall One of the most powerful lessons from Angela's early career: following policy to the letter can harm the very people HR is supposed to protect. The best people leaders ask "what else can we do?" before defaulting to what the handbook says. 4. Benefits Have Three Layers — and the Order Matters Layer 1: Foundations — comprehensive, affordable health, dental, and vision. Layer 2: Flexibility — in how, when, and where people work. Layer 3: Growth and recognition — opportunities to stretch, develop, and feel valued. Companies that skip to Layer 3 without nailing Layer 1 are building on sand. 5. Caregiver Benefits Are the Most Underrated Tool in Total Rewards Employees don't leave their home lives at the door. Sick parents, sick kids, and pets in need of care are constant sources of distraction and stress. Caregiver benefits that address these realities don't just help employees — they protect productivity and demonstrate that a company sees the whole person. 6. The Aging Parent Crisis Is Coming — Companies Aren't Ready As Baby Boomers age, a growing portion of the workforce will face elder care responsibilities that compete directly with their work. Companies that build caregiver support into their benefits now will be better positioned to retain experienced employees through one of the most stressful seasons of their lives. 7. Presenteeism Costs More Than Most Companies Realize Being at work — physically or virtually — is not the same as being engaged and productive. Angela's point on presenteeism is a sharp one: an employee who is worried about an aging parent, a sick child, or a personal crisis may be clocked in but effectively absent. That has a dollar value, and it belongs in the benefits ROI conversation. 8. Here's How to Pitch a CFO on Life Concierge Benefits Pull absence data. Calculate the cost of leave tied to caregiving responsibilities. Layer in the cost of replacing an employee who left because they didn't have the right support. Then present the cost of the benefit against those numbers. It's not a soft sell — it's a hard business case. 9. "My Company Took Care of Me" Is the Most Powerful Recruiting Tool You Have Word of mouth from employees who feel genuinely supported travels far. When people tell friends, former colleagues, and their networks that their company stepped up for them during a hard time, that's employer brand you can't manufacture with a marketing budget. CHAPTERS: 00:00 – Introduction Adam welcomes Angela Briggs-Paige, CPO and founder of People Power, and sets up a conversation about what modern HR leadership really looks like. 01:30 – From Pre-Med to People Leader Angela traces her unexpected path from biology major and aspiring doctor to discovering HR through a work-study job — and never looking back. 04:00 – Redefining What HR Is For Angela's core belief: there is no business outcome that doesn't involve people. How she flips the script on HR as a compliance function and positions it as a business driver. 06:30 – The Mentor Who Pushed Her The manager who challenged Angela to stop saying yes and start asking "what does this mean for the business?" — and how that changed her entire approach to the function. 09:00 – A Story She Wishes She Could Take Back Angela gets vulnerable about an early-career mistake: terminating an employee for exceeding their leave allotment instead of asking what else could be done — and what that taught her about the difference between policy and people. 12:30 – Policy as Guideline, Not Gospel How that experience shifted Angela's thinking on flexibility — and why the best people leaders treat policy as a framework to work within, not a wall to hide behind. 15:00 – The 3 Layers of Benefits That Actually Matter Angela's framework: Layer 1 is foundations (affordable health, dental, vision). Layer 2 is flexibility. Layer 3 is growth and recognition. Why the order matters as much as the content. 18:00 – The Case for Caregiver Benefits Why caregiver benefits — covering aging parents, sick kids, and pets — are among the most impactful and underutilized tools in total rewards, and what happens when employees don't have them. 21:00 – The Aging Parent Problem No One's Talking About Baby Boomers are aging. The workforce is about to face a caregiving crisis. Angela makes the case for why companies need to get ahead of it now — and what benefits can actually help. 23:30 – Peace of Mind as an ROI You can't buy peace of mind — but a company can offer it. How life concierge benefits reduce distraction, improve focus, and make employees feel genuinely cared for. 26:00 – Presenteeism: The Hidden Cost Nobody Measures One of the sharpest moments in the episode: Angela introduces presenteeism — being at work but mentally absent — and explains why it may cost more than absenteeism. 28:30 – How to Pitch a CFO on Life Concierge Benefits Angela's step-by-step framework: pull absence data, calculate leave costs, layer in retention math, and build a cost-benefit case that speaks the CFO's language. 31:00 – What's Lighting Angela Up Angela closes with what's giving her energy at Transform 2026: being surrounded by people leaders who genuinely care about making workplaces better.    

Eric, Tyson, and Slayer explore the four levels of money and the subjective nature of personal value. They discuss the challenges of scaling a business, balancing rising overhead costs with the need to pay employees a living wage. The crew critiques the "copout" mindset that money is unimportant, arguing instead that financial success is necessary for survival, freedom, and legacy. Through anecdotes about firefighting, electrical work, and pond maintenance, they illustrate how market demand and specialized expertise dictate one's worth. Ultimately, the discussion emphasizes that professional growth and a clear long-term vision are essential to avoiding stagnation and achieving a high quality of life. Key Takeaways: Focus on increasing your personal value and professional skills rather than expecting higher pay simply for the amount of time you have spent at a job. Stop telling yourself that money is not important and recognize it as a necessary tool for supporting your family and achieving your desired quality of life. Calculate your daily living expenses and overhead to understand exactly how much you need to earn to move beyond a paycheck-to-paycheck cycle. Align yourself with growth-oriented companies or set massive long-term visions for your own business to ensure you and your team have continuous opportunities for advancement. Seek out specific clients or "rooms" where your unique expertise is most highly valued and appreciated so you can command the compensation you deserve.

Macros explained, finally in a way that actually makes sense. Sal, Adam, and Justin break down everything you need to know about macronutrients: what they are, why they matter more than just counting calories, how to calculate your targets, and how to adjust them based on your goals and how your body feels. Whether you're trying to lose fat, build muscle, or just finally understand what everyone is talking about when they say 'hit your macros,' this episode covers it all. They also share the wild frontier story about hunters who starved to death eating nothing but rabbits, and why that story changes how you think about fat forever. Free Resource

How do you know if a clothing item is actually worth what you paid for it? Image consultant, stylist, and visual merchandiser Mikara Reid of MIIEN Consultancy breaks down cost per wear — the simple formula that helps you calculate the true value of what's in your wardrobe and why it should change the way you shop and invest in your clothing.#miien #CostPerWear #WardrobeInvestment #SmartShopping #HowToShopSmart #WardrobeEssentials #IntentionalShopping #PersonalStylist #ImageConsultant #StyleTips #WardrobeAudit #HowToDressBetter #FashionTips #WardrobeManagement #ClothingValue #shopsmart #miienconsultancy #mikarareid

Welcome to the Monday Minute, brought to you by Podium — your weekly reset to lead better, think clearer, and build your independent dealership with intention.Most independent car dealers think they're tracking their advertising. But if you're measuring leads, clicks, and phone calls — you're tracking activity, not results. And activity doesn't pay the bills. Car sales do.In this episode, Luke and Jeff break down the shift every used car dealer needs to make: stop measuring leads per source and start measuring sales per source. A marketing channel that sends 100 leads and closes 5 deals is not better than one that sends 20 leads and closes 10. Volume can lie — conversions tell the truth.They walk through how to tie every deal to an advertising source, how to calculate your true cost per sale by channel — whether that's CarGurus, Cars.com, Facebook Marketplace, or Google — and why training your sales team to ask the right questions is the foundation of smart ad spend. If the data going into your CRM and DMS is broken, every budget decision you make from it is broken too. Disciplined independent dealers know exactly where their money is working — and they invest accordingly.Review this week's Sunday newsletter at TheIndependentDealer.com for the full theme and exercises.Not subscribed yet? Sign up now. https://theindependentdealer.us19.lis...Let's build this together.SPONSORED BY PODIUM: www.podium.com

3 'Dumb' Strategies That Beat PhD-Level Planning Every Time Summary Ever wondered why your genius friend is broke while your "average" neighbor owns multiple properties? Shocking research reveals that people with average IQ outperform those with the highest IQ 70% of the time, and intelligence only accounts for 25% of career success. The brutal truth is that IQ explains just 9% of income variance and a measly 2.4% of actual wealth accumulation – meaning 91% of financial success comes from factors that have nothing to do with how smart you are. This isn't about dumbing yourself down – it's about understanding why traditional intelligence often becomes a financial liability. Research from Ohio State University tracking over 7,000 people reveals the hidden patterns that separate the wealthy from the struggling, regardless of IQ scores. If you're tired of watching less "intelligent" people surpass you financially while you overthink every decision, this video exposes the real factors that drive wealth accumulation and why your biggest asset might actually be holding you back from the financial success you deserve. Entrepreneur tips that actually work: Tracy Brinkmann reveals why brilliant parents with advanced degrees build less wealth than average-IQ entrepreneurs. Drawing from Jay Zagorsky and Daniel Goleman's groundbreaking research, discover the 3 "dumb" strategies that beat PhD-level planning—and how to escape the intelligence trap holding back your side hustle and online business growth. In this eye-opening episode, Tracy Brinkmann reveals the uncomfortable truth about intelligence and wealth: your brilliant mind might be your biggest financial obstacle. Drawing from research by Jay Zagorsky and Daniel Goleman, Tracy explains why people with average IQs outperform those with the highest IQs 70% of the time when it comes to building wealth. Through real stories and practical frameworks, he breaks down the three intelligence traps keeping smart parents broke and provides actionable strategies to escape them. This episode is essential listening for any parent entrepreneur who's been "figuring it out" for too long without seeing real financial progress. DarkHorseInsider.com Key Timestamps 00:00 Opening: The Kitchen Table Reality Check 01:10 Episode Overview 01:35 The Jessica Story: PhD vs. High School Diploma 04:05 Intelligence Trap #1: Analysis Paralysis 06:45 Intelligence Trap #2: Smart Kid Identity Protection 08:25 Intelligence Trap #3: Broken Risk Radar 10:05 Three "Dumb" Strategies That Create Wealth 13:20 The Shift 14:50 Whiskered Wisdom   Strategies Shared The Three Intelligence Traps: Analysis Paralysis - Seeing all variables leads to endless research without action Smart Kid Identity Protection - Avoiding situations that might make you look uninformed Broken Risk Radar - Overestimating risk and choosing "safe" slow progress The Three "Dumb" Strategies: Model, Then Modify - Copy successful frameworks before innovating Zone of Genius Focus - Be strategically "dumb" about everything except core strengths Simple Scales - Use the "Five Ones" framework for focused execution Risk Recalibration System: Identify your scary investment Calculate percentage of annual income Apply the failure test   Resources Mentioned Jay Zagorsky Research - Ohio State University study on IQ and wealth correlation Daniel Goleman - Emotional intelligence research showing 70% performance advantage Carol Dweck - Stanford psychologist's work on fixed vs. growth mindset Wright Brothers vs. Samuel Langley - Historical example of action vs. analysis Yahoo/Google Case Study - Smart vs. dumb risk assessment example FedEx Origin Story - Fred Smith's $5K Vegas gamble David Tran/Huy Fong Foods - Sriracha's billion-dollar simplicity model Ikigai Concept - Japanese methodology for finding zone of genius "Intelligence without action is just expensive entertainment. Your bank account doesn't care about your test scores - it only cares about the value you create and capture in the world." - Tracy Brinkmann Sources: 1. ScienceDirect (Zagorsky Study)   https://www.sciencedirect.com/science/article/abs/pii/S0160289607000219 2. The Society Pages   https://thesocietypages.org/socimages/2008/02/06/correlations-of-iq-with-income-and-wealth/ 3. Institute for Family Studies   https://ifstudies.org/blog/can-intelligence-predict-income 4. Ohio State University News   https://news.osu.edu/you-dont-have-to-be-smart-to-be-rich-study-finds/ 5. IQ's Corner   http://www.iqscorner.com/2007/05/temp.html  

Cheap wedding venue… or financial trap? In this bonus episode, we're breaking down one of the biggest budgeting decisions you'll make during wedding planning: choosing between a lower-priced blank space venue and a higher-priced all-inclusive option. At first glance, the DIY venue looks like the obvious win.  Lower rental fee.  More flexibility.  Total creative control.  It feels like the ultimate budget-savvy move. But here's where impulse can quietly take over. That "great deal" can spiral fast once you start layering in rentals, catering, staffing, power, restrooms, décor, insurance, and all the little logistical details no one warns you about. Meanwhile, the all-inclusive quote might make you choke on your coffee — but it may also include far more than you realize. In this episode, I walk you through six major cost categories you must have detailed pricing for before deciding if a blank space venue is truly the money-saving move… or if it could end up costing you more in the long run. Early access to new episodes + bonus planning resources are available inside WPP Premium on Apple Podcasts.  Tap "Subscribe" for instant acess. Links & Resources Start your wedding website with Minted and enjoy free designs by independent artists, all your details in one place, and exclusive listener perks: weddingplanningpodcast.co/minted

Protein is having a moment. Coffee chains are adding it into lattes. Many snack companies are labeling their products as high-protein. But how much protein do you really need? Host Marielle Segarra talks with NPR health correspondent Allison Aubrey about the different factors to consider when planning your protein intake.Follow us on Instagram: @nprlifekitSign up for our newsletter here.Have an episode idea or feedback you want to share? Email us at lifekit@npr.orgSupport the show and listen to it sponsor-free by signing up for Life Kit+ at plus.npr.org/lifekitTo manage podcast ad preferences, review the links below:See pcm.adswizz.com for information about our collection and use of personal data for sponsorship and to manage your podcast sponsorship preferences.NPR Privacy Policy

Protein is having a moment. Coffee chains are adding it into lattes. Many snack companies are labeling their products as high-protein. But how much protein do you really need? Host Marielle Segarra talks with NPR health correspondent Allison Aubrey about the different factors to consider when planning your protein intake.Follow us on Instagram: @nprlifekitSign up for our newsletter here.Have an episode idea or feedback you want to share? Email us at lifekit@npr.orgSupport the show and listen to it sponsor-free by signing up for Life Kit+ at plus.npr.org/lifekitTo manage podcast ad preferences, review the links below:See pcm.adswizz.com for information about our collection and use of personal data for sponsorship and to manage your podcast sponsorship preferences.NPR Privacy Policy

Have you ever wondered how the big real estate players pick winning properties? Today, we're uncovering the key metric that commercial real estate investors use for evaluating deals - the cap rate. It's more than just a formula, so make sure to stick around until the end of this episode to know how to use the cap rate effectively. Join Our Investor Club: https://bit.ly/4tmCHS4 This episode was originally uploaded on November 1, 2024.

BONUS: Why Your Plan Is Lying to You — #NoEstimates, Throughput, and the Superstition of Project Management This episode is a cross-post from The EBFC Show, Felipe Engineer-Manriquez's podcast exploring Lean and Agile in construction. In this conversation, Felipe interviews Vasco about the #NoEstimates movement, throughput-based planning, and why traditional project management is still stuck in the middle ages of managing creative work. The Human Side of Scrum That the Scrum Guide Doesn't Cover "When you go into a daily meeting and you start looking at the people in that room, maybe they are the exact same people that were there yesterday, but the team is totally different. Somebody might have had a bad night's sleep, somebody might have had an argument with their spouse. These are human beings. These are not machines that you can just distribute work to."   Vasco's path to agile coaching started with a realization that most practitioners eventually reach: the problems in software development aren't technological. They're about people — getting agreements, sharing information at the right time, making the collective brain of a team actually function. The Scrum Guide gives you organizing principles — how many meetings, who's in them — but it says almost nothing about the real-time feedback cycle between humans that makes or breaks a team. That's why the Scrum Master role exists: to be the lubricant for human interactions, to break down complex ideas into items the collective mind can process. It's the piece that makes Scrum work, and it's the piece that's hardest to teach. From Project Manager to #NoEstimates — The Bet That Changed Everything "The PM wanted 15 items per sprint, and the team said 'yeah, we can do 15.' I said, this is not gonna happen. The team had been delivering between five and eight items per sprint. I said, I'm gonna be positive — I'm gonna say seven. And no surprise, by the end of the sprint, they delivered seven."   Vasco started as a project manager — and not the easy certification kind. He went through IPMA, which means six months of training, a four-hour written exam, and an expert interview, just for the entry level. Planning and estimating was the job. Then he ran his first Scrum project, specifically to prove it couldn't work. By the second month, he couldn't understand how anything else could work. The team delivered something to show every single sprint — something that never happened with traditional project management. The turning point came when he made a bet with a product manager: the PM needed 15 items per sprint, the team committed to 15, but historical throughput was 5-8 items. Reality delivered seven. That moment crystallized the #NoEstimates insight: we can't fight reality, but we can choose which seven items to deliver. Reality Is a Bitch — Why Linear Predictive Planning Fails "Never believe the plan. Or as in Scarface — never get high on your own supply. It's so unbelievable how project managers still today believe their freaking plans."   At Nokia, Vasco managed a program of 500 people across 100 teams on four continents. No way to get everyone in a room. So he tracked system-level throughput — features delivered to integration per week. Six months into a twelve-month project, the data said they'd be at least six months late. He told the program manager: cut scope now. The program manager did what every PMI-trained program manager does — sent an email asking all 100 teams if they'd deliver on time. Every single team said yes. Nobody wants to be first to admit they're late. Twelve months in, they discovered they were six months late. The project got canceled. 500 people, millions of euros, all because somebody believed the plan. Linear predictive planning is useful for exploring what might be possible if nothing goes wrong. It is not reality. The only tool that reflects reality is throughput — the number of items completed per unit of time. Earned Value Management — George Orwell at His Best "It's not earned, it's spent. It's not value, it's cost. It's not management, it's just observation. Monty Python could not have come up with a better name."   Felipe shares a story that mirrors the absurdity: an industrial project with a dedicated 35-person earned value management department. Before the meeting even started, the department head announced, "Let's all acknowledge that earned value management is more an art than a science." Their charts were made up, the contractor's charts were made up, and the goal of the meeting was to agree that the project would finish on time — regardless of what any data said. This is where traditional project management ends up when it disconnects from throughput: a $30 million scope addition with zero additional time, defended by charts that a mediocre attorney can invalidate in the first week of litigation. Felipe knows — he spent a year being cross-examined by forensic schedulers whose full-time job is proving that construction schedules are fiction. One Small Experiment to Test #NoEstimates "Never convince anyone. Convince yourself. Once you're convinced, whatever other people say, it doesn't really matter because you're not gonna take them seriously anyway."   Here's how to validate throughput-based planning with your own data: take the last 10 sprints (or periods). Calculate the average throughput and control limits from the first five. Then check whether the next five sprints fall within that range. They will. If you're in software and using Jira, you already have this data. You don't need anyone's permission. You don't need to change anything. Just look at what your team actually delivers versus what they planned to deliver. The gap between those two numbers is the gap between superstition and reality. About Felipe Engineer-Manriquez Felipe Engineer-Manriquez is a best-selling author, international keynote speaker, Project Delivery Services Director at The Boldt Company, host of The EBFC Show podcast, and a proven construction change-maker implementing Lean and Agile practices on projects from millions to billions of dollars worldwide. He is a Registered Scrum Trainer™ (RST), Registered Scrum Master™ (RSM), and recipient of the Lean Construction Institute Chairman's Award. His book Construction Scrum is the first practical guide for applying Scrum in construction.   You can link with Felipe Engineer-Manriquez on LinkedIn.

U.S. Senator Cory Booker of New Jersey joins us for a wide-ranging conversation recorded in one sitting for both podcastsSenator Booker first rose to national prominence as the mayor of Newark, where he built a reputation for hands-on leadership and bold policy ideas. He has now served more than a decade in the U.S. Senate, becoming one of the most prominent voices in the Democratic Party.He's also entering a new chapter personally: Booker recently married and is expecting his first child—something that clearly shapes how he thinks about issues like childcare, family economics, and investing in America's future.Our conversation comes as Senator Booker unveils a new proposal called the Keep Your Pay Act—a plan that would eliminate federal income taxes on the first $75,000 of income, a move he says could dramatically increase take-home pay for many middle-class families. In this conversation, we discuss:• The Keep Your Pay Act and how it could affect American households• Why Senator Booker believes the tax system is “rigged” against working families• The rising cost of childcare and early education in America• Immigration reform and the climate of fear many immigrant families feel today• The growing power of big media companies and why independent creators matter• The economic implications of the war in Iran, including rising energy costs• Whether Booker sees a presidential run in his futureCalculate how much Booker's proposed tax act could save your household. Hosted on Acast. See acast.com/privacy for more information.

Episode Summary Auditing your expenses can dramatically improve financial awareness, helping you identify money leaks and understand your true living costs. In this episode, the hosts present a structured four-step framework aimed at facilitating regular expense audits, which ideally should be conducted annually. The discussion includes practical strategies for tracking subscriptions, variable expenses, and distinguishing between required and discretionary spending. By adopting a calculated approach to expenses, you can effectively mitigate lifestyle creep while ensuring every dollar serves a purpose. Key Tactical Takeaways Conduct an Annual Expense Audit: Establish a routine to review expenses at least once a year to stay on top of spending habits and identify areas for improvement. Categorize Every Expense: Break down expenditures into necessary (fixed costs) and discretionary (variable costs) categories for clearer insights. Use a Value Matrix: Assess expenses based on their joy and necessity to inform which should be retained, reduced, or eliminated. Track Subscriptions and Variable Costs: Pay attention to recurring payments, particularly those related to entertainment and services like streaming or software. Calculate the Long-Term Impact of Small Savings: Remember that cutting small monthly expenses can significantly affect your financial independence number over time. Core Rules & Formulas Rule Explanation Annual Expense Audit Review all expenses once a year to prevent overspending and identify leaks. Categorization of Expenses Differentiate between Required (fixed) and Discretionary (variable) expenses. Value Matrix Implementation Organize spending into High Joy/ Low Joy and Essential/ Eliminate quadrants. Prioritize Necessary Expenses Always account for essential bills, including utilities, groceries, and housing costs. Evaluate Impact of Expenses Each $100 cut from monthly expenses reduces your FI number by $30,000 and if invested can generate $60,000 over time (20-year horizon). Tools, Accounts, or Strategies Mentioned Tool/Strategy Link/Description Expense Audit Spreadsheet Download here     Value Matrix Framework Framework for analyzing the necessity and joy of expenses. Resources & References ChooseFI Episode 009: Travel Rewards Framework Expense Audit Spreadsheet: Download What To Do Next Join the Expense Audit Challenge: Participate in the community challenge to gain insights and support while auditing your finances. Download Your Bank and Credit Card Statements: Begin your audit by gathering statements from the last few months. Categorize Your Expenses: Use the expense audit spreadsheet to identify necessary vs. discretionary spending. Reflect on Your Findings: After auditing, identify any hidden expenses or subscriptions that can be cut, and share insights with the community at choosefi.com/login. Conducting an Effective Expense Audit: A Step-by-Step Guide Understanding the Expense Audit Definition: An expense audit is a systematic review of your expenditures to identify unnecessary spending and money leaks. Goal: The aim is to clarify how much your life actually costs. Importance of Regular Expense Audits Frequency: Conduct an expense audit at least once a year to keep track of spending habits. Long-term Tracking: Monitor for lifestyle creep, which can happen gradually and affect your financial health over time. Action Steps to Begin Your Expense Audit Gather Financial Data: Download your recent bank and credit card statements (last 3 to 4 months). Check statements for variances and patterns in spending. Categorize Your Expenses: Separate them into categories such as housing, transportation, food, entertainment, and miscellaneous. Include all necessary and discretionary expenditures. Identifying Money Leaks Subscription Services: Track all recurring subscriptions and evaluate their necessity. Variable vs. Fixed Expenses: Distinguish between fixed permissible expenses (mortgage, insurance) and variable spendings (dining out, entertainment) to identify areas for improvement. Implementing a Value Matrix Categorization: Create a value matrix to differentiate between: High Joy (essential to happiness) Low Joy (non-essential) Essential (required for daily living) Eliminate (unnecessary expenses) Analyze Each Category: Assess each item in terms of value and joy to decide if it should remain in your budget.

In this episode of Quah (Q & A), Sal, Adam & Justin answer four Pump Head questions drawn from last Sunday's Quah post on the @mindpumpmedia Instagram page. Mind Pump Fit Tip: How to Calculate Volume and Progressively Overload for MAX GAINS. (2:09) Fish roe vs fish oil. What's the difference? (23:21) Bringing out the science dork in Adam. (25:32) Getting your head in the right place before a MASSIVE change in your training. (31:14) The benefits of the 'water pump'. (38:07) Levers and pulleys. (41:31) Do asthma medications stunt growth in children? (45:56) An 'Our Place' unboxing. (49:21) #Quah question #1 – Are there any actual benefits to vibration plates, or is it another gimmick in the fitness industry? (53:53) #Quah question #2 – I'm new to lifting with a barbell, and I have a home gym. I frequently lift when I am home alone. My goal is to progress to heavy squats, but I'm afraid of hurting myself or getting stuck at the bottom. What is the best rep range for me? (57:09) #Quah question #3 – What grip/type of pressing movement would be easiest on the rotator cuffs? (1:01:32) #Quah question #4 – I have an L5 bulging disc that causes me pretty frequent pain, and I am trying to recover/heal it, but my chiropractor says it could take 3- 6months to fully heal. How am I supposed to train when I can't load heavy? Especially the lower body exercises like squats, deadlifts, etc. (1:04:25) Related Links/Products Mentioned Visit Paleovalley for an exclusive offer for Mind Pump listeners! ** Discount is now automatically applied at checkout 15% off your first order! ** Visit Our Place for an exclusive offer for Mind Pump listeners! **Code MINDPUMP at checkout to receive 10% off sitewide. 100-day trial with free shipping and returns. ** February Promotion: Feb 1 - Feb 14th - The Couple's Bundle (Aesthetic, HIIT, Muscle Mommy, No BS 6-Pack Abs), $498 value, only $197!  Visit: https://www.mpvalentine.com  Mind Pump Store Building Muscle with Adam Schafer – Mind Pump TV Asthma drug may stunt growth permanently Visit Joymode for an exclusive offer for Mind Pump listeners! ** Enter MINDPUMP at checkout for 20% off your first order. ** How to Choose the Correct Weight for a Lift - YouTube Suspension Training Series – 3 Favorite Shoulder Exercises The Face Pull Variation You NEED To Try (Healthy Shoulders!) Handcuff with Rotation (Mind Pump) - YouTube The Wall Test | Mind Pump TV Mind Pump Podcast – YouTube Mind Pump Free Resources People Mentioned Mike Salemi (@mike.salemi) Instagram Justin Brink DC (@dr.justinbrink) Instagram