Podcasts about calculate

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Being booked feels like proof that the business is working. But if most of that schedule is filled with injectables, the revenue can look much stronger than the profit underneath it. Product costs, provider compensation, commissions, memberships, and discounting can leave very little behind—even when the calendar is full.  In this solo episode, I break down why injectables need to be evaluated as part of your full service mix instead of carrying the entire growth strategy. I also explain how to organize your P&L by treatment category, calculate what patients actually contribute in gross profit, and use comprehensive treatment plans to improve both patient retention and practice profitability. A Full Injectable Schedule Can Still Produce Weak Profit  Injectables are often one of the largest revenue categories in a medical aesthetics practice. They bring patients through the door, create recurring appointments, and can help establish long-term relationships. But with supply costs, injector compensation, commissions, and discounts factored in, gross margins may only land around 30% to 40%.  That does not leave much room to cover the rest of the business. Rent, administrative payroll, marketing, software, and other operating expenses still have to come out of what remains. When injectables dominate the schedule without enough higher-margin services around them, a busy practice can still struggle to generate healthy cash flow.  Your P&L Should Show Which Services Actually Make Money  A single revenue line labeled "services" does not give you enough information to manage the practice. You need to see how much revenue each treatment category produces and what it costs to deliver those services. Keep the categories simple enough to review consistently, but specific enough to reveal where your profit is coming from.  Group revenue into four or five core categories, such as injectables, aesthetic services, beauty services, laser treatments, and surgical services  Match each category with its direct supply costs, provider labor, and commission expenses  Calculate gross margin by treatment category instead of relying only on the practice-wide average  Separate package revenue collected from the revenue earned as treatments are delivered  Compare patient lifetime revenue with the gross profit that patient generates  Review how memberships and discounts affect margins over time  Track which services lead to repeat visits and broader treatment plans  You do not need dozens of categories or an overly complicated financial report. You need enough visibility to understand the composition of your revenue. Just as body composition tells you more than weight alone, your service mix tells you far more than total sales.  (00:00:00) Why injectables are difficult to price (00:05:41) Balancing the P&L with service margins (00:08:27) Mapping revenue and profit by treatment (00:10:27) Calculating patient lifetime value (00:14:01) Challenging assumptions about patient budgets (00:17:42) Improving retention through treatment plans  Treatment Plans Create More Value Than One-Off Appointments  Patients may come in asking for Botox or another familiar service, but that does not mean they understand every option available to them. A strong consultation starts with the result they want, then maps out the treatments that can realistically help them get there. Present the full recommendation before making assumptions about what they can afford. Let the patient decide what to pursue, what to postpone, and how quickly to move through the plan. That is consultative selling: educating the patient, setting expectations, and helping them make an informed decision without down selling for them.   A written treatment plan also gives the relationship room to grow. One injectable appointment can become the start of a longer patient journey that includes laser treatments, skincare, and other services that genuinely support their goals.  A Stronger Service Mix Makes Growth More Sustainable  When one treatment category carries too much of the practice, changes in product costs, provider capacity, or local pricing can quickly put pressure on the entire business. A more balanced service mix combines the retention benefits of injectables with treatments that produce stronger margins and make better use of the team, equipment, and space you already have. This gives you a healthier patient lifetime value, more recurring revenue, and a clearer picture of what the practice can support as it grows. It also helps you make better decisions about pricing, inventory, staffing, equipment purchases, and future expansion.  A full schedule should create more than activity. It should generate enough gross profit to fund the next stage of the practice. Follow Shannon & Keep What You Earn:   Shannon Weinstein is the founder of a fractional CFO firm specializing in helping 7-figure aesthetics and wellness practices scale with clarity, cash flow, and confidence.  Shannon is committed to helping med spa owners understand, fix, and maximize their business's enterprise value, offering actionable advice and resources, including a popular free video series specifically for aesthetics practice owners.  Connect with Shannon:  Fractional CFO Services and Executive Financial Review: https://www.keepwhatyouearn.com/  Connect with Shannon: https://www.linkedin.com/in/shannonweinstein  Watch full episodes: https://www.youtube.com/@KeepWhatYouEarn  Listen on your favorite podcast app: https://pod.link/1580071347  Instagram: https://www.instagram.com/shannonkweinstein/    The information shared is for educational purposes only and is not individualized financial advice. Aesthetics practice owners should consult a qualified professional before implementing financial strategies discussed here.

What happens when you realize the biggest challenge in your law firm isn't your clients or your reputation, but the people and culture needed to support the firm you want to build? In this episode, Melissa sits down with Velocity Work client Jimmy Evans, owner of a family law practice, to discuss the difficult decisions he made to rebuild his team around a clear mission, stronger accountability, and the right people.       Jimmy shares the story of how he went from believing he could solve his firm's challenges through hard work and investing in his team to recognizing that something deeper needed to change. He discusses the difficult process of rebuilding his culture, making tough personnel decisions, using data to understand what was really happening inside the firm, and creating a team aligned with the values and mission of his firm.       This episode will help you think differently about the role of leadership in building a law firm that can grow beyond you. You'll learn why hiring the right people matters more than simply filling roles, how accountability and clarity shape culture, and why making difficult decisions can create the foundation for a stronger firm.                                      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/373                    Watch this episode on YouTube: https://youtube.com/@velocitywork

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The stock market is sitting at historical highs, but inflated valuations mean we could be facing a major correction or extended period of low returns. With leveraged funds adding dangerous fuel to this speculative fire, the risk of a sharp market shock is real. If you're approaching or currently in retirement, now is the time to review your portfolio. On the consumer front, T-Mobile is turning its back on the customer-first culture that made it famous, forcing legacy subscribers off locked-in rates and hitting loyal users with continuous price increases. You don't have to accept a bloated cell phone bill. By breaking up family plans based on actual usage, avoiding the "free iPhone" trap that locks you into expensive contracts, and exploring budget-friendly sub-brands that use the exact same towers, you can slash your monthly bill down to $10–$30 a line. Calculate your annual cell phone spend today—you might be shocked by how much you can save! Compare plans right now at clark.com/phoneplanfinder. Plus, Christa shares your #AskClark questions and Clark gives his take. All this and more on the July 29, 2026, episode of The Clark Howard Show.   Submit your questions: Ask Clark. High Market Anxiety: Segment 1 Ask Clark: Segment 2 Beat Cell Service Hikes: Segment 3 Ask Clark: Segment 4 Mentioned on the show: A Key Investing Lesson to Remember Right Now How To Find and Choose a Financial Advisor - Clark Howard The next crash: why this time might not be different Why You Need To Lock Your Brokerage Account Today What Is a Solo 401(k) and How Does It Work? - Clark Howard  T-Mobile Retires Legacy Plans: Expect a Price Increase - Clark.com Why Now Is the Time To Switch Your Cell Phone Service How To Get a Free Cell Phone in 2026 (Best Deals + Hidden Catch) The Best Phone Plan For You – Compare Phone Plans What Should You Do if Your Insurance Claim Is Denied? Credit Score Guide - Clark Howard  Clark.com resources: Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices. Visit megaphone.fm/adchoices

Medical aesthetics is one of the few areas of healthcare where practice owners have real control over pricing. Because most services are cash pay, med spas are not waiting on insurance reimbursements or negotiating with carriers. Yet many practices give away that advantage by running constant promotions and training patients to shop for the lowest Botox price.  In this solo episode, I explain how deep discounts create margin erosion, weaken patient loyalty, and push the industry toward commoditization. I also share how stronger consultations, treatment plans, and value-based pricing can improve retention, patient experience, and clinic profitability without turning every appointment into a sales pitch. Discounts Train Patients to Wait for the Next Offer  Discounts can fill the schedule for a weekend, but they also change how patients see the practice. When every holiday comes with a coupon, patients learn that the listed price is temporary and the service is interchangeable. That is how Botox pricing and injectables start to feel like retail products instead of medical treatments.  Patients who choose a practice based only on price are also difficult to retain. They may come in for the promotion and leave as soon as another clinic advertises a better deal. You pay to acquire them, give up margin on the treatment, and still have no lasting customer relationship to show for it. Run the Numbers Before You Run the Promotion  A discount should never be approved simply because the calendar is slow or a competitor launched one. Before lowering the price, look at what the offer does to gross profit, cash flow, future capacity, and patient behavior. Promotional revenue can look impressive while the economics underneath it tell a very different story.  Calculate treatment margin after product cost, provider compensation, payment fees, and promotional spending  Measure how many discounted patients return and rebook at full price  Compare customer acquisition cost with patient lifetime value  Account for prepaid packages as future treatment obligations rather than immediate profit  Review inventory levels before promoting injectables or retail products  Determine whether the offer supports a broader treatment plan or only creates a one-time visit  Give the team clear language to explain value, outcomes, and next steps without relying on aggressive sales techniques  If the numbers only work when patients purchase more later, be honest about how often that actually happens. Upselling cannot carry the strategy when your intake, follow-up, and rebooking systems are not built to support it.  (00:05:43) Building lasting patient relationships (00:09:01) Setting confident pricing for services (00:10:40) Understanding value versus effort (00:15:21) Shifting from retail to patient focus (00:16:31) Improving client intake and planning (00:19:37) Identifying growth barriers for practices  Lead the Consultation With Medical Authority  A patient consultation should feel like clinical guidance, not a review of services and prices. Patients come to you because they want a result and need help understanding which treatments will get them there. When providers lead with patient education, set realistic expectations, and recommend a clear treatment plan, price becomes one part of the decision rather than the entire conversation.  This also creates a better patient experience. People are more likely to follow through, rebook, and trust future recommendations when they understand why the plan was created. Value-based pricing works when the practice can clearly connect its expertise, care, and treatment strategy to the outcome the patient wants. Patient Loyalty Creates More Predictable Growth  Practices that depend on promotions often see the same pattern: a rush of cash, a crowded schedule, and then another dip. That volatility makes financial management harder because staffing, inventory management, and marketing decisions are being made around short-term spikes instead of reliable demand.  A medicine-first approach creates cleaner practice growth. Strong treatment plans, consistent rebooking, and better customer retention increase patient lifetime value and make cash flow easier to forecast. Over time, that stability gives you room to improve margins, invest in your team, and expand without constantly discounting the work that built your reputation. A med spa with medical authority and loyal patients has far more control over its pricing, profitability, and future.  Follow Shannon & Keep What You Earn:   Shannon Weinstein is the founder of a fractional CFO firm specializing in helping 7-figure aesthetics and wellness practices scale with clarity, cash flow, and confidence.  Shannon is committed to helping med spa owners understand, fix, and maximize their business's enterprise value, offering actionable advice and resources, including a popular free video series specifically for aesthetics practice owners.  Connect with Shannon: Fractional CFO Services and Executive Financial Review: https://www.keepwhatyouearn.com/ Connect with Shannon: https://www.linkedin.com/in/shannonweinstein  Watch full episodes: https://www.youtube.com/@KeepWhatYouEarn  Listen on your favorite podcast app: https://pod.link/1580071347  Instagram: https://www.instagram.com/shannonkweinstein/  The information shared is for educational purposes only and is not individualized financial advice. Aesthetics practice owners should consult a qualified professional before implementing financial strategies discussed here. 

A revenue goal is more than just a number on a page. To make it a reality, you need to understand what has to happen underneath it. In this episode, Melissa walks through how to reverse engineer your revenue goal by breaking it down into the smaller goals, data points, and strategic priorities that create a clear path forward.         Melissa explains how understanding your average revenue per matter, the percentage each revenue stream contributes, and the numbers behind your firm can transform the way you plan. Instead of relying on assumptions or simply hoping you reach a target, you can use real data to understand what needs to happen to move your firm forward.         If you want to create a more strategic approach to your firm's growth, this episode will help you understand how to work backwards from your goals and identify the actions that make them achievable. You'll learn how to use the right numbers to plan with more clarity, make smarter decisions, and build a roadmap based on what is actually possible for your firm.                                 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/372                    Watch this episode on YouTube: https://youtube.com/@velocitywork

A larger Social Security benefit sounds appealing, but what if waiting means sacrificing some of your best retirement years? Ryan Herbert and Katherine Groce explore the factors that go into deciding when to claim Social Security, including longevity, cash flow needs, portfolio withdrawals, taxes, and lifestyle goals. They discuss why the “best” claiming age is different for everyone, how delaying benefits can affect your retirement savings, and why quality of life often plays a major role in the decision. Want to begin building your retirement and tax plan? Click Here to Schedule a 15-minute Discovery Call Follow us for more helpful insights:

Calculate the perfect number of bottles: https://www.theweddingwines.com/calculatorPersonnalize your wine label for your wedding: https://www.theweddingwines.com/label-makerChoosing wine for your wedding is the biggest wine purchase most people ever make (often hundreds of bottles) and almost nobody teaches you how to do it. In this video: the exact quantity formula, where to spend and where to save, the crowd-pleaser styles that work for 100+ guests, why your toast bubbles shouldn't be Champagne, the sale-or-return trick, corkage math, serving logistics that make cheap wine taste expensive (and expensive wine taste cheap), and how to make the wine actually mean something on the day.▬▬▬▬▬▬▬▬▬▬

You've set the deadline. You've blocked the time. And yet somehow, the finish line keeps moving further away. Sound familiar? If you've ever found yourself in a panic-fueled sprint to finish a writing project—only to crash afterward and wonder if you can ever do it again—this episode is for you. In this conversation, Kathi Lipp sits down with writer, ghostwriter, and writing coach Julie Lyles Carr to unpack why so many writers struggle to meet their deadlines and what sustainable writing really looks like. Julie shares the crucial difference between racing toward a deadline and pacing yourself for a lifelong writing journey. What You'll Learn in This Episode Why knowing your daily word count is essential for setting realistic deadlines The difference between "muse" and "manic"—and why waiting for inspiration might be sabotaging you How to get small dopamine bumps along the way instead of relying on panic-induced adrenaline dumps Creative accountability strategies (including one controversial approach involving "anti-charities") Why falling back in love with the art of writing is the real fuel for crossing the finish line Key Takeaways Understand your pace before you chart the race. Do you know how many words you can comfortably write in a day? If not, that's the first thing to figure out. A 75,000-word novel at 500 words a day means you need 150 writing days—it's simple math that takes the guesswork out of your deadline. The muse will meet you at your desk. You don't have to chase inspiration or deplete yourself waiting for it to show up. When you commit to showing up consistently, your creativity follows. Community creates velocity. Just like geese flying in a V or cyclists in the Tour de France peloton, writing alongside others can pull you forward with less effort. Accountability groups, writing sprints, and shared goals make a real difference. Fall in love with the art again. If you're writing for acclaim or attention, you'll burn out. But if you write because you genuinely love the craft, that's the fuel that gets you across the line—whether anyone ever sees your work or not. Whether you're working on your first book or your fifteenth, this episode offers practical wisdom for building a writing life that's sustainable, joyful, and productive.

I've been tempted to contact the show to do a "how am I doing" check-in, but have one thing holding me back. I'm having trouble figuring out our monthly spend.Have a money question? Email us ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Subscribe to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Jill on Money LIVE⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Subscribe to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Jill on Money Newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YouTube: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@jillonmoney⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@jillonmoney⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠"Jill on Money" theme music is by Joel Goodman, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.joelgoodman.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

Geoff Fisher is the COO of GVT Tire & Auto and Auto Pros of Minnesota, an automotive service network with 18 locations. His perspective on auto repair shop growth comes from experience across the shop floor, service counter, process development, and multi-location operations.Fisher began working as a tire and lube technician at age 16 before earning an operations management degree from the University of Minnesota's Carlson School of Management. He later spent two years as a service writer and moved into leadership, where he now helps guide an expansion plan targeting 26 locations.In this episode…Growth exposes every loose process inside a shop. One location often survives inconsistent communication because the owner sees problems firsthand. Eighteen locations operate differently. Managers develop separate expectations, accountability becomes uneven, and recurring problems turn leadership into constant firefighting.Fisher uses the Entrepreneurial Operating System to create a shared operating language across locations. Weekly scorecards replace emotional decisions with measurable information. Car count, average repair order, and labor hours reveal where a process has broken down and give managers a clear place to begin correcting it.That operational discipline addresses only part of auto repair shop growth. Expansion also creates tension between consistency and local identity. Fisher's team wants every location to feel connected to its town rather than viewed as another chain. Community involvement, local partnerships, and visible service build relationships that a new sign cannot create by itself.The economics reinforce that approach. Fisher places the average cost of acquiring a new customer at about $130. A free oil change or community initiative costs less while creating a direct opportunity to demonstrate the shop's service. Opening one location every five weeks raises the stakes because each new team must carry the same processes without losing its connection to the community.Here's a glimpse of what you'll learn: [01:14] Fisher begins his automotive career at age sixteen[04:06] Shop-floor experience leads Fisher into operations management[06:22] EOS replaces emotional management with measurable performance data[10:55] Repeatable processes support expansion across multiple locations[13:12] The company averages one shop opening every five weeks[15:46] Community involvement strengthens retention and local trust[20:30] Clear measurements expose operational breakdowns[22:19] Coaching shapes Fisher's team leadership approachResources mentioned in this episode:Geoff Fisher on LinkedInGVT Tire & Auto WebsiteAuto Pros of Minnesota WebsiteTread PartnersGain Traction Podcast on YouTubeGain Traction Podcast WebsiteMike Edge on LinkedInQuotable Moments:“That people feel like your shop is a part of the town, not just located in it.”“We are currently averaging one shop every five weeks.”“I call it running for mayor, right?”“And I felt like sometimes we were playing too much firefighter and not really understanding what started the fire.”“Help me, help you, help us.”Action Steps:Turn auto repair shop growth into a weekly scorecard. Track car count and average repair order, then add one labor-efficiency measure that managers review at the same time each week.Select one recurring operational problem and document its root cause. Assign ownership of the correction, set a deadline, and review whether the same problem returns.Build a store-opening playbook from the processes already working. Document training responsibilities, workflow expectations, and the first-week operating routine before the next location opens.Give every location one concrete community commitment. Choose a school partnership, local business relationship, or service initiative that places the team in direct contact with residents.Calculate customer acquisition cost and compare it with the actual cost of a goodwill offer. Track whether recipients return for a second visit rather than measuring success by redemption alone.

Strategic planning can feel overwhelming when you try to do it all on your own. In this episode, Melissa explains why law firm owners often get stuck and how having the right partner or support can help you clarify priorities, make better decisions, and maintain momentum throughout the planning process.         Melissa walks through common pitfalls owners face when attempting to facilitate their own strategic plan and shows how structured support can help you stay focused, evaluate opportunities, and plan effectively without feeling overwhelmed. You'll hear practical insights on balancing ownership, leadership, and accountability while making strategic decisions that move your firm forward.      This episode will help you see why you don't have to do strategic planning alone, how to leverage support effectively, and how to approach your firm's priorities with clarity and direction. By integrating these practices, you can make intentional progress, maintain focus, and set your law firm up for sustainable growth.                            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/371                    Watch this episode on YouTube: https://youtube.com/@velocitywork

In dieser Folge spricht unser Initiator Andreas mit Health-Tech-Experte Samuel Zabel, dem Gründer von CALCULATE, über die echte Bedeutung digitaler Mitgliederbetreuung in der Fitnessbranche. Sie klären, warum Health-Tech-Integration weit über einfache Ernährungstracker hinausgehen muss und wo die Grenzen klassischer digitaler Präventionskonzepte liegen. Zudem analysiert Samuel den unterschätzten Faktor des Customer Lifetime Value (CLV) und zeigt auf, wie KI die Betreuungsqualität verbessern kann, ohne dabei den menschlichen Aspekt zu vernachlässigen. Ein kompaktes Update für alle Studioverantwortlichen, die ihre Mitgliederbindung strategisch verbessern und ihren Betrieb mit smarten Lösungen zukunftssicher positionieren wollen. Wir bedanken uns bei unserem Werbepartner, Fithera, für die Unterstützung bei dieser Folge. Sichere Dir mit dem Code “HASHTAG15” 15%-Rabatt auf alle Tickets unter https://cutt.ly/hytybh88. Weiterführende Infos und Links Abonniere den Podcast auf Apple Podcasts, Deezer, Google Podcasts, SoundCloud und Spotify: https://linktr.ee/hashtagfitnessindustrie Folge uns auf Facebook, Instagram, LinkedIn und Threads. Kontakt zu Andreas: https://www.linkedin.com/in/andreasmbechler/ Tritt der Hashtag Fitnessindustrie-Community auf Facebook bei und diskutiere über die Fitnessbranche mit: https://www.facebook.com/groups/309945713288355 Kontakt zu Samuel: https://www.linkedin.com/in/samuel-zabel-a68754a5/ CALCULATE: https://www.cal-culate.com

Brad Barrett's daughter just graduated high school. She's heading to college in a few months. The number of times he'll see her for the rest of his life? Already countable. This realization—visceral and unavoidable—brought him back to a conversation that changed both his and Chris Hutchins' lives nearly four years ago: their interview with Bill Perkins about Die with Zero. Key Topics Introduction and Episode Impact 00:00:00 Brad and Chris reflect on the massive impact Bill Perkins' Die with Zero episode had on their lives and why they wanted to revisit it. Seasons of Life and Time Bucketing 00:05:30 Brad discusses how the concepts of seasons of life and time bucketing fundamentally changed his perspective, especially as his daughter prepares for college, highlighting the fleeting nature of time with loved ones. The Optimization Trap 00:12:00 Chris shares his struggle with over-optimization, particularly around travel planning and points maximization, and how he's been re-evaluating what he's actually optimizing for in life. Frugality as Superpower and Liability 00:18:45 The hosts debate whether frugality is still a superpower, discussing how the skill of spending shifts throughout different stages of financial independence. Running the Numbers on Withdrawal Rates 00:28:00 Chris shares research on annuity rates and the 4% rule, revealing that 96% of the time people never touch their principal and discussing more rational ways to hedge against financial risk. What Are You Optimizing For? 00:38:15 Both hosts dig into the fundamental question of what they're optimizing for—discussing the Tuesday Project, baseline fulfillment, and creating great average days versus one-off experiences. Time, Work, and Life Balance 00:47:00 Chris processes his struggle with filling all available time with work-adjacent activities and discusses the challenge of setting boundaries when you love what you do. Action Items and Future Plans 00:58:30 The hosts commit to specific actions inspired by the episode, including Chris's summer camp idea for families and Brad's commitment to create time bucket lists. Notable Quotes "You should fear wasting your life more than you fear running out of money." — Brad Barrett (quoting Bill Perkins) "Time is everything. My daughter just graduated high school. She's going to William & Mary in a couple months and again, you talk about seasons of life. Combining this with Tim Urban's The Tail End article, you realize time is running out." — Brad Barrett "I think frugality is a superpower at times and then it becomes a liability at times." — Brad Barrett "What I know for certain is every day I'm running out of time. So that's like a metaphysical certainty. You are running out of time." — Brad Barrett "I've gotten good at spending more when things aren't crazy expensive. Where I still struggle tremendously is when I feel like I'm paying for something that there's a reasonable way to get it for a better deal." — Chris Hutchins Key Takeaways Create a time bucket list: Identify experiences you want to have and assign them to specific age ranges when they would be most meaningful and feasible Calculate your real financial safety margin: Determine if you're using a 2%, 3%, or 4% withdrawal rate and whether that level of conservatism is preventing you from enjoying life now Identify your seasons of life priorities: What matters most in your current season? Kids, health, travel, career? Allocate time and resources accordingly Audit your optimization habits: Are you optimizing for the right things? Is maximizing credit card points costing you more in time and stress than it's worth? Plan one 'season-appropriate' experience: Book something that leverages your current life stage, whether that's a trip with young kids or an adventure that requires physical fitness Consider giving to your children now: If you plan to leave an inheritance, evaluate whether giving some portion during their 20s-30s would have more impact than waiting until…

Calculate exactly what you should be charging with our Revenue Per Session (RPS) Calculator, linked below.Don't set your prices by copying the gym down the street (and maybe knocking off $10).Instead, there's a data-backed way to do it, using real numbers from thousands of gyms and one metric that tells you if your price is pulling its weight: revenue per session (RPS).In this episode of "Run a Profitable Gym,” Two-Brain CEO John Franklin explains what revenue per session (RPS) is and why $200 is a healthy target to aim for. He walks through the math for calculating your session rate and RPS and shows two different ways to hit the $200 RPS benchmark—raising your prices or increasing class attendance.Pulling data from Two-Brain's “State of the Industry” report (metrics from over 7,000 gyms), John analyzes large group and small group/semi-private models side by side, comparing lead volume, close rates, pricing and membership usage. Listen to learn how to set data-backed prices that let you pay coaches well and run a more profitable gym. LinksRate Per Session CalculatorGym Owners UnitedBook a Call0:00 - Stop copying your competitor's prices0:41 - The metric every gym owner should track1:24 - What 7,000 gyms taught us about pricing3:01 - Calculate your revenue per session4:28 - The $200 rule for profitable gyms5:58 - How to charge the right price6:59 - What if you can't raise your prices?

As the year moves into its second half, are you clear on what truly matters for your law firm and where you want to end the year? In this episode, Melissa shares a framework of four anchors you can use to reflect on your current situation. This is a good time to focus on your priorities and take intentional actions that drive meaningful progress.         Melissa explains how these anchors can help you evaluate opportunities and clarify next steps. They provide perspective on where to allocate resources, how to prioritize effectively, and ways to stay focused without feeling overwhelmed.      Applying this approach lets you guide the rest of the year strategically while managing your time and energy intentionally. By the end of the year, you'll be able to look back with confidence knowing you addressed what mattered most.                            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/370                    Watch this episode on YouTube: https://youtube.com/@velocitywork

Send us Fan MailFREE — SEE WHERE YOUR PRACTICE IS BLEEDING REVENUE IN 3 MINUTES Take the RECOVER Diagnostic Quiz: https://eligibility.natrevmd.com/recover-quiz-lp More free resources: https://natrevmd.com/trusted-resources/ Payment Posting Audit Checklist: https://eligibility.natrevmd.com/payment-posting-checklistWE ARE RE-AIRING THIS EPISODE BECAUSE IT MATTERS RIGHT NOW. On July 1, 2026, the Medicare GLP-1 Bridge went live. Every independent practice with Medicare patients on Wegovy, Zepbound KwikPen, or Foundayo for weight management is now facing retrospective prior authorizations routed through a central processor most billing teams have never worked with. The AMA released physician guidance on June 26. The workflow is new. The documentation burden is heavier than most practices have modeled. And prior auth was already the fastest-growing revenue threat independent practices face. In this episode Dr. Heather walks through: WHAT WE COVER Why prior auth denials are silently eating clinical time and revenue The dollar amount your practice is losing every month (and how to calculate it) The 5-step workflow to manage prior auth without drowning your team What every practice needs to change this week "Prior auth has a dollar amount attached to it. Most practices never calculate it." THREE ACTIONS THIS WEEK 1. Calculate what prior auth is costing your practice in staff hours, denied claims, and clinical time 2. Set up a central prior auth tracker (do not run this out of email threads) 3. Train the team on the Medicare GLP-1 Bridge central processor workflow before the backlog compounds

Have you ever wondered whether a marketing expense is actually worth the money? In this episode, we explore three financial metrics every pet care business owner should understand before making decisions: client lifetime value, profit margin, and cost per visit. We discuss how these numbers remove guesswork from marketing, pricing, hiring, and growth decisions. We also explain how operational efficiency directly impacts profitability and long-term sustainability. By the end, we encourage you to calculate just one of these metrics so you can begin making more confident, data-driven decisions in your business. Main topics: Calculating client lifetime value Understanding profit margin percentages Measuring cost per visit Smarter marketing investment decisions Improving operational efficiency Main takeaway: "If you're not profitable at one visit, you won't be profitable at a thousand visits." Growth doesn't solve broken systems—it amplifies them. Before chasing more clients, more employees, or more marketing, make sure you understand what each visit actually costs your business. When you know your numbers, you stop guessing and start making decisions that build a business capable of serving clients, supporting your team, and lasting for years. Links: Check out our Starter Packs See all of our discounts!

Calculate your own legacy numbers with the Vessel calculator → https://spiritualised-the-vessel.netlify.app/The final part of the three-part mini-series for spiritual women in business — recorded from a small mountain village in Mallorca where the beauty makes you gasp, nobody screams for attention, and the frequency itself is the teaching.This episode is about the shape of your income — because a woman's energy takes on the shape of the money coming in. Spiky income makes a spiky woman: braced, contracted, unable to fully receive. Recurring income moves like the ocean — wave after wave, rolling in while you swim, create, dress for dinner — and it's the only shape that lets the feminine truly relax.In this episode:Why recurring income is an energetic requirement for the feminine body, not just a business model — and what the spike-and-drop pattern does to her cycles, her softness, her capacity to receiveThe inner masculine as the gentle architect: building the vessel with certainty, rhythm and routine so completely that the business stops feeling like a business at allWhy clients who come in, extract, and leave are not healthy for a woman's field — and the alternative: a membership where you witness each other across years, the way Jess still works with women from her very first email list of 150The 4am manifestation challenge that started everything — and what its simplicity teaches about how little is actually requiredNPCs, pendulums and egregores: why the big launch is the lowest level of consciousness, and what happens to your energy when you jump into someone else's ball of lightVisibility without performance: when you're in your frequency, your fractal sees you — no screaming, no showman, no big account requiredQuiet luxury as a business model: finding your people, spending years with them, and letting extraordinary wealth roll in quietly while the most substantial portion compounds into your futureThe launch needs you to scream. The ocean just keeps rolling in.goinward.co.uk | @goinward

Calculate your own legacy numbers with the Vessel calculator → https://spiritualised-the-vessel.netlify.app/Part two of the three-part mini-series for spiritual women in business — where "business" doesn't feel like business at all, but an extension of how you're already living.This episode is about designing the life first and letting the structure be built around it. Voice notes from a hidden beach in Mallorca instead of scheduled calls. Work that feels like a permanent holiday. Money that comes in while you're busy living — because the vessel is collecting it for you.In this episode:Why the feminine pours her energy into the structure only when the energy is there — and how the structure holds your magnetism, your essence, your frequency, until it becomes fully functional whether you show up or notThe inner masculine needs a vision that tantalises him: why a "take it or leave it" dream won't get built, and what the engagement ring teaches us about holding your standards highWhy lowering your standards to be "kind" breeds resentment — in partners and in your own inner masculineThe membership model as the most feminine business structure: protected in downturns, magnetic through genuine love, and never dependent on any single client stayingAuditing every piece of your business against the love frequency — the deliverables, the people, the places — down to the pina colada in ArubaThe real cause of burnout at the million-dollar level: not doing too much, but the underlying tension of never being able to fully restThe question isn't how hard your business makes you work. It's whether the structure can hold your frequency while you live.

Following through on your own commitments is one of the most important ways to build self-trust and personal integrity. In this episode, Melissa breaks down how law firm owners can use a simple daily question, "Did I do what I said I was going to do today?" to measure progress and maintain accountability in both personal and professional life.       Melissa explains how this approach can help you prioritize what matters most, plan your time intentionally, and avoid letting overwhelm or distractions derail your goals. She also highlights the importance of balancing work, family, and personal well-being while keeping commitments to yourself.       If you want to strengthen your self-trust and make intentional decisions in your law firm, this episode will show how following through on daily commitments drives consistent personal and professional results.                       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/369                    Watch this episode on YouTube: https://youtube.com/@velocitywork

Spiritual Neptune, the planet of illusions, slips into its annual retrograde on Tuesday, July 7—its first full backspin through Aries in our lifetime. Venus moves into Virgo and the weekend's "Barbault Basket" formation sends a current of revolutionary energy into the world. From Taylor Swift's wedding to CERN's shutdown, The AstroTwins' discuss this week's astrological forecast through the lens of planets, politics, pop culture and prophecy. S H O W N O T E SHuman Design for Astrologers Course! Our "Somatic Summer" programs are here, including a Human Design + Astrocartography bundle. ENROLL HERE! Clear your home and space for Mercury retrograde: Our recommended (and favorite!) products by Brandy Morcomb,Calculate your Lunar (North & South) Nodes

Most investors think they're buying the same thing when they choose a target date fund—but two people who bought 2025 target date funds 15 years ago could have 40% different returns today. Same target year, wildly different outcomes. The culprit? Fund families structure these "simple" investments in dramatically different ways, and most investors never look under the hood. Key Topics Discussed Passive Investing vs Active Financial Planning (00:03:30) Cody explains why you should be a passive investor but an active financial planner in your own life, noting that 95% of active investors underperform broad index funds over time. Understanding Target Date Funds (00:08:15) How target date funds work as default 401(k) options, automatically shifting from aggressive to conservative allocations as retirement approaches along a predetermined glide path. Surprising Differences Between Target Date Funds (00:18:45) The revelation that identical retirement target years can produce vastly different outcomes depending on fund family—differences in international exposure, bond types, and allocation strategies compound over time. Comparing Fidelity, Schwab, and Vanguard Target Dates (00:24:00) Detailed breakdown of how three major fund families structure their target date index funds differently, with varying philosophies on diversification and risk management. The Hidden Costs of Target Date Funds (00:32:20) Analysis showing target date index funds cost 35% to 400% more than purchasing underlying index funds directly. Fidelity's target date index fund, for example, is four times more expensive than buying Fidelity's component funds separately. Static Allocation Funds Explained (00:38:10) Introduction to balanced funds that maintain constant allocations (like 60/40 stocks/bonds) regardless of your age or proximity to retirement. Target Maturity vs Constant Maturity Bond Funds (00:42:30) Deep dive into how target maturity bond funds differ from traditional bond index funds—all bonds mature in the same year, converting to cash automatically without requiring you to sell anything. The Seven-Year Bond Strategy (00:48:15) Cody's approach to determining bond allocation: calculate seven years of planned spending and hold that percentage in bonds. If you'll withdraw $40,000 annually from a $1 million portfolio, hold 28% in bonds ($280,000) and 72% in stocks. Bond Ladders and Behavioral Finance (00:55:00) How target maturity bond funds overcome psychological barriers to spending in retirement by eliminating the need to "sell" assets—bonds simply mature into cash when you need it. Simplicity vs Complexity in Portfolio Design (01:02:30) Cody shares his personal eight-fund retirement portfolio strategy, explaining why something that appears complex can actually feel simpler from a behavioral perspective. Notable Quotes Mike Piper, CPA (quoted by Cody Garrett, CFP®): "There is no perfect portfolio, but there are countless perfectly fine portfolios." Rick Ferri, CFA (quoted by Cody Garrett, CFP®): "The perfect portfolio is the one you're going to stick with. Maintaining discipline is the hardest part of investing." Cody Garrett, CFP®: "Once you understand what a target date fund is, you no longer need one." Cody Garrett, CFP®: "Investing is like a bar of soap. The more you touch it, the less there is." Brad Barrett: "Success in personal finance and investing comes down more to behavior, vastly more to behavior than it comes down to any type of knowledge or intelligence." Key Takeaways Review your 401(k) fund lineup and sort by expense ratio to identify the lowest-cost index fund options available to you If your 401(k) lacks low-cost index funds (under 0.10% expense ratio), contact your plan administrator to request they be added to the fund lineup Calculate how much money you plan to spend from your portfolio over the next seven years to determine your appropriate bond allocation Visit Morningstar.com and review the portfolio tab of any target date funds yo…

In this episode, Brandan Fisher shares how his software AllProperly helps landlords understand the true costs of owning properties, including maintenance and reserves, to make better investment decisions.   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   —--------------------

Send us Fan Mail See how Amazon sellers calculate customer acquisition cost using reports, ads, and repeat orders.Amazon does not show customer acquisition cost as clearly as Shopify or WooCommerce. This video walks through the Business Reports, Brand Analytics, repeat purchase data, ad spend, ad orders, TACoS, CPC, conversion rate, and new-to-brand reporting needed to estimate CAC on Amazon.Get help from My Amazon Guy to grow your Amazon sales: https://bit.ly/4jMZtxu#AmazonPPC #AmazonSeller #AmazonFBA #AmazonAdvertising #AmazonBusinessReportsWant free resources? Dowload our Free Amazon guides here:Amazon Receiving Delay Guide: https://hubs.ly/Q04cdD4c0Amazon Catalog Spring Cleaning: https://hubs.ly/Q046BVfp0Amazon Proft Margin Defense 2026: https://hubs.ly/Q042trRH0Amazon SEO Toolkit 2026: https://bit.ly/4oC2ClTAmazon Seller Strategy Report 2026: https://bit.ly/3YN1RME2026 Ecommerce Website & SEO Readiness Checklist: https://hubs.ly/Q04btghf0Amazon 2026 PPC guide: https://bit.ly/4lF0OYXTimestamps0:00 - How to Calculate CAC on Amazon 0:42 - Navigating Amazon Business Reports 1:10 - Units Ordered vs. Total Order Items 2:18 - Why Amazon Repeat Purchase Data is Tricky 3:25 Using Brand Analytics for Repeat Behavior 4:27 Analyzing Ad Spend and Orders 5:09 The CAC Calculation Formula 7:48 Calculating CAC for New Customers 8:32 Advertised CAC vs. Organic Discovery 10:12 Using CPC and Conversion Rates for Fast Metrics 11:50 Advanced Profit Analysis with My Amazon Guy-----------------------------------------------------------------------------------------Follow us:LinkedIn: https://www.linkedin.com/company/28605816/Instagram: https://www.instagram.com/stevenpopemag/Pinterest: https://www.pinterest.com/myamazonguys/Twitter: https://twitter.com/myamazonguySubscribe to the My Amazon Guy podcast: https://podcast.myamazonguy.comApple Podcast: https://podcasts.apple.com/us/podcast/my-amazon-guy/id1501974229Spotify: https://open.spotify.com/show/4A5ASHGGfr6s4wWNQIqyVw Support the show

Send us Fan MailShownotes can be found at https://www.profitwithlaw.com/540.Tell me if this sounds familiar: you bill every hour, you chase down every dollar, and at the end of the month your profit margin still doesn't make sense.That's not a you problem. That's a billable hour problem.In this episode, Moshe talks about:The hidden conflict of interest built into every hourly invoiceWhy the 5x rule means your associate's salary math will never work under hourly billingThe profit margin gap between hourly firms (5–10%) and alternative fee firms (30–50%)Why hourly matters take 2.6x longer to close than flat fee mattersHow to remove retainers, trust accounting, and accounts receivable from your business entirelyThis is for the law firm owner who's tired of arguing with clients about six-minute increments and ready to get paid up front, every time.The takeaway: the firms making real money in this industry aren't the ones billing the most hours. They're the ones who stopped billing hours altogether.Chapters:[00:00] Discover why hourly billing creates client conflict in your law firm[08:07] Why attorney salaries and billable hours rarely add up to growth[09:32] Calculate your practice's true cost of relying on hourly billing[12:23] Uncover how flat fees boost attorney revenue and business predictability[14:57] Find your ideal flat fee pricing for common legal services[17:49] Drive efficiency in your firm by ditching the billable hour[21:12] Charge smarter: why waiting to bill clients stunts your cash flow[29:29] Why alternative fee arrangements increase law firm profit marginsResources mentioned:

Law firm owners often face difficult decisions when strategic changes are needed. In this episode, Melissa sits down with Velocity Work clients Bobby and Abby Botnick to discuss how they navigated risk and opportunity while making major changes in their criminal defense practice. They share insights on evaluating options, weighing trade-offs, and making thoughtful decisions that support long-term growth.        Melissa and the Botnicks explore the challenges of balancing risk with opportunity, how to assess the impact of key decisions, and strategies for executing changes without disrupting firm operations or partnership dynamics. They also discuss lessons learned from previous changes and how those experiences inform better decision-making today.      If you want to understand how to manage strategic change in your law firm, this episode will help you identify the decisions that matter most, evaluate risk effectively, and implement changes that drive sustainable growth.                  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/368                    Watch this episode on YouTube: https://youtube.com/@velocitywork

Many companies complain that their salespeople cannot sell, but the real problem is often poor sales management, weak onboarding, unrealistic targets, and almost no proper coaching. In Japan, where hiring English-speaking, globally minded salespeople has become harder, wasting sales talent is not just inefficient. It is expensive, avoidable, and strategically dangerous. Salespeople do not magically become productive. They need realistic targets, consistent sales training, active coaching, and managers who know how to build capability rather than just demand numbers. Why do companies waste salespeople? Companies waste salespeople when they hire them, pressure them, under-train them, and then blame them when they fail. The salesperson may look useless, but the system around them may be the real culprit. In industries such as recruitment, real estate, insurance, technology, and professional services, the "up or out" mentality is common. Throw enough people into the machine, set high targets, and keep the few who survive. That approach may have worked when there were plenty of candidates available, but Japan's labour market is tighter, younger talent is scarcer, and bilingual salespeople are harder to find. As of the post-pandemic period, companies cannot afford to treat salespeople like disposable parts. They need a development model, not a meat grinder. Do now: Audit your sales exits. Before calling people failures, check whether onboarding, coaching, target-setting, and manager support failed first. Why is hiring salespeople in Japan becoming harder? Hiring salespeople in Japan is harder because the supply of internationally exposed, English-speaking young talent has shrunk and domestic Japanese firms now compete for the same people. Multinationals no longer have the bilingual talent field to themselves. Japanese students studying overseas, especially in the United States, declined significantly from earlier peaks, and COVID-19 disrupted international mobility even further. The pattern also changed: fewer students completed long, four-year immersion experiences, while more chose shorter overseas programmes. That matters because multinational firms in Japan often seek candidates who can speak English, understand Western business culture, and operate confidently across borders. Meanwhile, Japanese domestic companies have become more attractive and more aggressive in hiring these same people. So, if you want a bilingual salesperson in Tokyo, Osaka, Nagoya, or Fukuoka, brace for impact. Do now: Stop assuming talent is plentiful. Build a sales development engine that turns promising people into productive producers. What is broken about sales training in Japanese companies? Sales training in many Japanese companies is broken because On-the-Job Training exists in name, but not in real coaching practice. The company may believe development is happening, while the salesperson receives little meaningful guidance. The old OJT model relied on bosses having time to observe, coach, correct, and demonstrate. Today, many sales managers are drowning in email, meetings, CRM updates, forecasting, internal reporting, and their own player-manager targets. Coaching gets squeezed out. Nobody wants to admit that reality, so the organisation maintains a tatemae — the polite surface story — that young salespeople are being trained. Meanwhile, the honne — the actual truth — is that they are often left to struggle alone. In sales, that gap becomes missed revenue, low morale, and higher turnover. Do now: Measure actual coaching hours, not training slogans. If managers are not coaching weekly, the OJT system is probably fiction. How should sales targets be set fairly? Sales targets should be set using evidence, tenure, sales cycle length, market conditions, and comparable performance data — not numbers pulled out of the ether. Unrealistic targets crush confidence and accelerate resignations. A first-year salesperson, a veteran account manager, and a newly hired bilingual sales rep cannot be judged by the same blunt target logic. Leaders need a "Day One" view: when did the person start, what pipeline stage are they at, what territory did they inherit, and how are they performing compared with colleagues at the same stage? This approach is far more scientific than the wet-finger-in-the-air method. In Japan, where trust-building and decision cycles can be slower, target-setting must reflect reality. Pressure matters, but fantasy numbers create despair, not performance. Do now: Build a Ground Zero-style performance tracker. Compare people by stage, role, market, and ramp-up time before setting targets. Why does regular sales training improve revenue quickly? Regular sales training improves revenue quickly because sales is one of the few training areas where better behaviour can directly affect pipeline, conversion, deal size, and repeat business. When salespeople ask better questions, handle objections better, and follow a better process, results can move fast. Even experienced salespeople collect bad habits like barnacles on an oil tanker. They cut corners, talk too much, skip discovery, rush proposals, forget follow-up discipline, or assume they know what the customer wants. New salespeople need core skills; veterans need recalibration. In Japan, where buyers value trust, detail, patience, and relationship continuity, weak sales habits are especially costly. Training should not be a one-off event. It should be repeated, observed, coached, and reinforced in the field. Do now: Train regularly, then coach application. Knowledge in a classroom is not enough; changed behaviour in front of clients is the point. Why don't more companies train their salespeople properly? Many companies avoid proper sales training because sales managers fear exposure, Learning and Development teams protect their turf, and leaders underestimate the cost of mediocre training. The result is false economy. Sales managers may resist external training because they are supposed to be developing their people already. Admitting the need for help can feel like admitting failure. Some Learning and Development teams prefer to run training internally to justify their role or save budget. The problem is that bad training, generic training, or mediocre training is expensive because it fails to change behaviour. The bigger cost sits elsewhere: lost deals, wasted salaries, low productivity, recruitment fees, management time, and damaged morale. Training looks expensive only when leaders ignore the cost of not training. Do now: Calculate the real cost of sales turnover and underperformance. Then compare that number with the cost of serious training. Conclusion: how do leaders stop wasting salespeople? The answer is not rocket science: train them. Japan's shrinking bilingual talent pool, tougher hiring market, and weakening OJT habits mean companies cannot afford to burn through salespeople and pretend the problem is individual weakness. Some people may not be suited to sales, certainly. But many so-called "rejects" have simply been failed by poor systems, absent coaching, and fantasy targets. Leaders who rescue these salespeople, give them proper tools, set realistic expectations, and coach them consistently can build a serious competitive advantage. While rivals keep firing, replacing, and complaining, disciplined companies can train, retain, and win. FAQs Are bad salespeople always the real problem? No, poor sales performance often reflects weak management, poor onboarding, unrealistic targets, or lack of training. Leaders should examine the system before blaming the individual salesperson. Why is recruiting bilingual salespeople in Japan difficult? Recruiting bilingual salespeople in Japan is difficult because internationally exposed talent is scarcer and domestic firms now compete strongly for those candidates. Multinationals need to invest more seriously in development and retention. Does OJT still work for sales training? OJT only works when managers actually coach, observe, correct, and reinforce skills. If managers are too busy to coach, OJT becomes a slogan rather than a development method. How often should salespeople receive training? Salespeople should receive regular training and ongoing coaching, not a one-off workshop. New salespeople need fundamentals, while veterans need refreshers to remove bad habits. What is the fastest way to stop wasting sales talent? The fastest way is to combine realistic targets, structured training, weekly coaching, and better manager accountability. This gives salespeople a fair chance to become productive. Author bio Dr. Greg Story, Ph.D. in Japanese Decision-Making, is President of Dale Carnegie Tokyo Training and Adjunct Professor at Griffith University. He is a two-time winner of the Dale Carnegie "One Carnegie Award" and recipient of the Griffith University Business School Outstanding Alumnus Award. As a Dale Carnegie Master Trainer, Greg is certified to deliver globally across leadership, communication, sales, and presentation programmes, including Leadership Training for Results. He has written several books, including three best-sellers — Japan Business Mastery, Japan Sales Mastery, and Japan Presentations Mastery — along with Japan Leadership Mastery and How to Stop Wasting Money on Training. His works have been translated into Japanese, including Za Eigyō（ザ営業）, Purezen no Tatsujin（プレゼンの達人）, Torēningu de Okane o Muda ni Suru no wa Yamemashō（トレーニングでお金を無駄にするのはやめましょう）, and Gendaiban "Hito o Ugokasu" Rīdā（現代版「人を動かす」リーダー）. Greg also publishes daily business insights on LinkedIn, Facebook, and Twitter, and hosts six weekly podcasts. On YouTube, he produces The Cutting Edge Japan Business Show, Japan Business Mastery, and Japan's Top Business Interviews, followed by executives seeking success strategies in Japan.

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.

Measuring how much of your production capability you're using is critical. Use too little, and you're wasting resources. Push too close to the limit, and you risk failure and loss. Tracking capacity utilization helps you discover the sweet spot in your operation. You can learn more in this episode or read about it on our blog For more information about the MRPeasy software, visit our website: mrpeasy.com

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...

“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 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