Podcasts about capitalize

Video version of this episode can be viewed hereTakeawaysHuman capital is the best asset any company's got.The customer was family to us; it's very personal.Store experience is way under invested in today's environment.Get relevant, and stay relevant without losing your heritage.It's a tale of two halves in retail; careful planning is essential.The world changes all the time; adapt to consumer expectations.There's a lack of ability to plan in the current market.Capitalize your business appropriately for your goals.The inclusive market is complicated but has significant demand.You can't just expand into being a general doctor; specialization is key. Chapters00:00 Michael Kaplan's Journey in Retail and Technology07:40 Understanding the Underserved Customer13:47 Challenges in the Inclusive Size Market19:50 The Future of Inclusive Design25:47 Marketing Evolution in Retail33:50 The Evolution of Retail Strategies34:46 Impact of Tariffs on Retail Planning41:21 The Bifurcation of Retail Success41:48 Historical Perspectives on Retail Changes58:23 Capitalization and Business Strategy58:55 Lightning Round Insights

Thanks for watching and listening!Gordon discussed the "Capitalize the Rest of 2025 Challenge" and shared his personal goal of reading Robert Greene's works, emphasizing the importance of daily activities and goal-setting for personal and professional growth. He announced an upcoming workshop focused on mindsets for starting over again, along with details about monthly workshop series and the transformative potential of perseverance in achieving goals. Gordon also shared his personal marathon training journey and provided strategies for overcoming the temptation to quit, encouraging listeners to seek support through various programs and events offered by his organization.Capitalize Your Best Life Workshop 09.16.23 2pmhttps://capitalizeyourbestlife.com/thrive

HR1 - Raheem Morris needs Falcons' defense to capitalize on turnover opportunities In hour one Mike Johnson, Beau Morgan, and Ali Mac let you hear Atlanta Falcons Head Coach Raheem Morris give an update on the health status of wide receiver Drake London, and talk about how he expects Drake to play on Sunday night versus the Minnesota Vikings. Ali, Mike, and Beau also react to what Coach Morris had to say, react to the rest of the Falcons injury report that came out yesterday after the Falcons' practice, and explain why wide receiver Darnell Mooney changes everything for the Falcons' offense when he's playing. Then, The Morning Shift crew lets you hear some of Dukes and Bell's conversation that they had yesterday with Atlanta Falcons Head Coach Raheem Morris, react to what Coach Morris had to say, and explain why the Falcons can't miss the same defensive opportunities for turnovers that they missed versus the Buccaneers in week one. Ali, Mike, and Beau also react to some of the biggest and latest college football headlines, including reacting to SEC coaches expressing support for the proposed move of college football's transfer portal window from December to January yesterday. The Morning Shift crew also lets you hear Ohio State Head Football Coach Ryan Day explain why he isn't in favor of the proposed move of college football's transfer portal window from December to January, react to what Coach Day had to say, talk about how the proposed move of college football's transfer portal window from December to January wouldn't change anything for college football playoff teams, and explain why teams in the college football playoff would still be burdened when it comes to recruiting in the new transfer portal window. Finally, Mike, Beau, and Ali close out hour one by diving into the life of Ali Mac in Ali's Mac Drop!

Probate real estate is one of the biggest untapped opportunities in 2025. Learn how probate real estate specialists are dominating this niche and turning inherited property leads into a profitable source. In this group coaching call, certified probate real estate experts break down:→ How to position yourself as the go-to probate agent or investor in your market→ What most professionals overlook when dealing with inherited homes→ Proven strategies to win trust with families going through probate→ Guide to becoming a certified probate real estate expert in 20252:08  The type of service that builds a predictable business , and making a system behind it centered in building relationship with families  through needed services 12:46  -Giving value to attorneys to develop great relationships by helping them get business-Business Development (marketing, lead gen) a skillset we must develop aside from the point of attack which most realtors and investors are already experts at -Don't limit your solution to your Capitalize on other solutions in the beginning to offer a lot more value to different kinds of people / families -Wording on presenting different kind of solutions or paths to clients -Properties that needs a lot of work 42:30 About Pre probate leads. When is the best time to contact them ? 1:01:57 Is the certificate of transfer without probate enough or do I also need to file the small estate affidavit ??If you're ready to stand out in your market, attract referrals, and scale your probate business,

There's no denying that it's been a difficult year to predict what will happen for the automotive market. While June was down, July was hot for new cars. Tariffs are still a hot topic. In this Q3 Live Market View, Derek Hansen and Jonathan Smoke discuss how the trends may shape the year ahead; what increased affordability for top earners means for the used market; how tariffs have already affected the industry and why they're confident consumers and dealers will handle the impact.

Thanks for watching and listening!Gordon announced a 16-month reading plan focused on Robert Greene's books and shared his progress on "The Laws of Human Nature" while posting daily videos on social media.He introduced two upcoming workshops focused on personal development and marketing strategies, with giveaways and in-person sessions scheduled for specific dates. Gordon launched a comprehensive challenge combining social media engagement, reading, physical activity, and goal-setting, along with tools to help participants track their progress and achieve their objectives by the end of 2025.Links mentioned:09.16.25 Starting at Zerohttps://capitalizeyourbestlife.com/thrive09.23.25 Capitalize Marketing Lab "30 Pieces of Content"https://www.facebook.com/share/17j4jyh3As/Capitalize the Rest of 2025 Challenge Checklisthttps://capitalizemarketing.gumroad.com/l/capitalizetherestof2025

HR3 - Falcons' defense must capitalize on Bucs missing Chris Godwin & Tristan Wirfs In hour three Mike Johnson, Beau Morgan, and Ali Mac let listeners call in and give their take on what they think the worst household chores are, and if they would rather see the Falcons' offense score a touchdown on their opening drive, or see the Falcons' defense get a turnover their first time on the field in the Wake Up Call! Then, Mike, Beau, and Ali continue to preview the Atlanta Falcons' season opener against the Tampa Bay Buccaneers on Sunday, and explain why they think Falcons' cornerback AJ Terrell is the Falcons' X-factor on Sunday. Mike, Beau, and Ali also dive into the life of Beau “Squidbilly” Morgan in The Life of Squid! Finally, The Morning Shift crew closes out this Thursday edition of The Morning Shift by spending some time with senior writer for Sports Illustrated Pat Forde! Ali, Mike, Beau, and Pat discuss if there is any other college football fan base that feels just as bad or worse than Alabama fans do after Alabama lost to Florida State on Saturday, if Georgia is still the cream of the crop in the SEC, if Pat thinks Arch Manning struggling against Ohio State is a result of him being overhyped or a result of Ohio State's defense being really good and Steve Sarkisian not doing Arch any favors by calling a bad game, what Pat expects from Arch Manning the rest of the season, if Georgia Tech or Auburn should feel better about the respective wins on Friday, college football head coaches taking shots at each other recently, Dabo Swinney and Clemson struggling to win big games over the past few years, and which team between Florida State, Miami, and Georgia Tech is the biggest threat to Clemson in the ACC.

Listen Now: Listen and subscribe to Morningstar's The Long View from your mobile device: Apple Podcasts | SpotifyOur guest on the podcast today is Joe Davis, global chief economist at Vanguard and global head of the firm's Investment Strategy Group. He chairs the firm's Strategic Asset Allocation Committee, which governs multi-asset class investment solutions. And he is a member of the senior portfolio management team of Vanguard's Fixed Income Group. Joe is the author of a new book called Coming Into View: How AI and Other Megatrends Will Shape Your Investments. Joe earned his B.A. from St. Joseph's University and his master's and Ph.D. in economics at Duke University.BackgroundBioComing Into View: How AI and Other Megatrends Will Shape Your InvestmentsTariffs and Treasury Bonds“Tariffs and Market Volatility: Perspectives for Investors,” by Joe Davis, vanguard.com, April 7, 2025.“Vanguard Warns of 9% Treasury Bond Yields if Deficits Keep Ballooning,” by Sam Bourgi, investorsobserver.com, June 17, 2025.“US Equity Outperformance,” video commentary by Joe Davis, vanguard.com, Feb. 4, 2025.Artificial Intelligence and Megatrends“America Needs an AI Boom to Grow Out of Our Debt Problem. There Is No Guarantee,” by Joe Davis, barrons.com, May 23, 2025.“AI's Impact on Productivity and the Workforce,” by Joe Davis, vanguard.com, March 4, 2025.“Active Investing? Don't Overlook Value in the Age of AI,” by Joe Davis, vanguard.com, Feb. 20, 2025.“Megatrends and the US Economy, 1890-2040,” by Joe Davis, Lukas Brandl-Cheng, and Kevin Khang, papers.ssrn.com, June 10, 2024.Other“Joe Davis: ‘We Will See China-Like Growth for a Time in the United States,'” The Long View podcast, Morningstar.com, April 14, 2021.

Send us a textAmazon is back on Google Ads… sort of. But only outside the U.S. and that move says a lot. With less competition on U.S. Google Shopping, this may be the best shot DTC brands have all year. Lower CPCs and open ad space create a rare moment to test strategy and win market share.Let our team run your Google Ads while Amazon stays out of the way, this window won't stay open: https://bit.ly/3JJLHPCWatch these videos on YouTube:Use Brand Analytics to Increase Sales https://www.youtube.com/watch?v=HnUKZXZ9uEk&list=PLDkvNlz8yl_b9RMGmU9XeqkI9D7QDOAI8&index=4Simplify Amazon Listing Compliance https://www.youtube.com/watch?v=ArGPygUCFpk&list=PLDkvNlz8yl_b9RMGmU9XeqkI9D7QDOAI8&index=11-----------------------------------------------Capitalize on lower CPCs now, download the PPC guide built for sellers ready to scale off-Amazon: https://bit.ly/4lF0OYXWant visibility while Amazon is quiet? Get the SEO toolkit and own your traffic on and off Google: https://bit.ly/3JyMDGoDon't wait for chaos, grab the Amazon Crisis Kit before your traffic or rankings take a hit: https://bit.ly/4maWHn0Amazon pulled back. That's your shot. Book a DTC call and run Google Ads that actually convert: https://bit.ly/4kOz6rrTimestamps00:00 - Amazon Drops Out of Google Shopping Ads00:18 - They're Back... But Only Outside the U.S.00:52 - Why Amazon Is Stress Testing Google Shopping01:37 - Will Amazon Return Before Q4?02:00 - Strategic Shopping Events and Spend Timing02:36 - What This Means for U.S. DTC Brands03:08 - Less Competition = Lower Google Ad Costs03:41 - Why Now Is the Time to Launch Google Ads04:24 - Prepping for Q4 with Early Google Ads05:02 - Where to Learn Google Shopping for DTC Brands05:47 - Final Thoughts on Gaining Market Share Now----------------------------------------------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/4A5ASHGGfr6s4wWNQIqyVwSupport the show

In this episode of the Econ Dev Show, Dane Carlson talks with Renee McKenney, Senior Vice President of Tourism for the Tulsa Regional Chamber and President of Tulsa Regional Tourism. Renee shares how Tulsa has leveraged its unique history, Route 66 heritage, and creative culture to attract visitors, residents, and businesses. From hosting major sporting events and revitalizing Black Wall Street to promoting film, music, and culinary scenes, Tulsa is redefining itself as a vibrant destination. Renee also explains how integrating tourism with economic development under the chamber umbrella creates a powerful synergy that fuels placemaking, business attraction, and civic pride Like this show? Please leave us a review here (https://econdevshow.com/rate-this-podcast/) — even one sentence helps! 10 Actionable Takeaways for Economic Developers Integrate tourism and economic development--site selectors often experience your city first as visitors. Identify and elevate authentic community assets (history, culture, sports, etc.). Lean into storytelling; narratives like Route 66 or Black Wall Street resonate nationally. Invest in placemaking that surprises and delights both locals and visitors. Use large-scale events (sports, festivals, shows) as business attraction opportunities. Partner with creative industries (film, music, arts) to build brand identity. Capitalize on civic pride to mobilize communities around unique initiatives. Focus on accessibility and vibe because livability drives both talent and business attraction. Treat tourism as "importing money and exporting experiences." Always be ready for your "prime time": community investments build toward big moments like centennials, championships, or global events. Special Guest: Renee McKenney.

Ty and Alex discuss the Cubs getting swept in San Francisco. Stick around as the guys get into why the Cubs can't seem to keep any momentum!Get your own Setup Man Swag: https://bit.ly/setupmanobviousFREE Cubs Talk Facebook Group: https://www.facebook.com/groups/cubstalkGo to www.setupman.net and subscribe to our mailing list to become a part of Setup Man Nation so you never miss a show! We also do free giveaways for those who are on our list!Check us out on social media:Instagram: https://bit.ly/setupmaninstaTwitter: https://bit.ly/setupmantwitter

Blake Ruffino & Carter Bryant share their thoughts on the upcoming game between LSU & Clemson. What is one of the things that Brian Kelly and the LSU Tigers must utilize to be able to win the game vs Dabo Swinney & Clemson? Is there an area of weakness? Blake and Carter also address their biggest concern for the LSU Tigers and that being the offensive line. Can LSU and company find a way to protect LSU QB Garrett Nussmeier and run the football. Lastly, Blake & Carter make a decision on who they believe will win the game. Do you agree with their outcome? #lsu #lsutigers #lsufootball #lsutigersfootball #lsusports #powerhourlsu #blakeruffino #briankelly #clemsonfootball #clemson #foryou #fyp #foryoutube #ays #ayssports

Blake Ruffino & Carter Bryant share their thoughts on the upcoming game between LSU & Clemson. What is one of the things that Brian Kelly and the LSU Tigers must utilize to be able to win the game vs Dabo Swinney & Clemson? Is there an area of weakness? Blake and Carter also address their biggest concern for the LSU Tigers and that being the offensive line. Can LSU and company find a way to protect LSU QB Garrett Nussmeier and run the football. Lastly, Blake & Carter make a decision on who they believe will win the game. Do you agree with their outcome? #lsu #lsutigers #lsufootball #lsutigersfootball #lsusports #powerhourlsu #blakeruffino #briankelly #clemsonfootball #clemson #foryou #fyp #foryoutube #ays #ayssports

PRIMETIME: Titans must capitalize on waiver claim players with initial 53-man roster set For More PRIMETIME coverage follow us here: www.atozsports.com/nashville Podcasts: atozsports.com/podcasts Facebook: https://www.facebook.com/atozsportsnashville  Instagram: https://www.instagram.com/atozsports/  Twitter: https://twitter.com/AtoZSports  TikTok: https://www.tiktok.com/@atozsportsnashville #AtoZSports #TennesseeTitans #NFLFootball #Titans #NFLUpdates #NFLFootball Learn more about your ad choices. Visit megaphone.fm/adchoices

On this deep dive episode of FP Next, Curt and Sarah bring back a favorite guest from season one, Mitchell Hora, Iowa farmer and CEO and founder of Continuum Ag to talk about all things 45Z tax credits.Episode linksHow to get paid for carbon on your farm – featuring Mitchell HoraContinuum AgContact SarahContact CurtOther episodes of FP Next, including From the Field

This episode features a panel discussion on the role of AI in workforce development within federal agencies at the AI Acquisition Forum 2025. Led by David Vennergrund, Vice President for AI at GDIT, the panel includes distinguished guests: Andrea Brandon from the US Department of the Interior, Florence Kasule from the Department of Education's Federal Student Aid office, and Wole Moses, Chief AI Officer at Microsoft's federal civilian division. The conversation delves into the evolving landscape of AI, focusing on training, innovation, and integrating AI across various federal roles. They also discuss practical strategies for implementing AI, such as sandbox environments and community-driven initiatives. Subscribe on your favorite podcast platform to never miss an episode! For more from ACT-IAC, follow us on LinkedIn or visit http://www.actiac.org.Learn more about membership at https://www.actiac.org/join.Donate to ACT-IAC at https://actiac.org/donate. Intro/Outro Music: See a Brighter Day/Gloria TellsCourtesy of Epidemic Sound(Episodes 1-159: Intro/Outro Music: Focal Point/Young CommunityCourtesy of Epidemic Sound)

See the Video at www.RGRFootball.com Each season sees different challenges, and this season is no different. The next man up mentality is already in effect. Who can take advantage?

▶ *FREE TRIAL* To make our classes and budgeting app *more affordable*, we bundled them together for an *80% DISCOUNT* and for this month only, you can try DollarWise Central for *free* - check it out here and change your life: https://dollarwise.com/dollarwise-central/ ▶▶ It's time to confront the man... I pushed back on her all episode, now with my producers sharing *new* information about it, it's time to rage in the post-show... watch here: https://www.youtube.com/channel/UCLe_q9axMaeTbjN0hy1Z9xA/join ▶▶▶Download the *DollarWise Budgeting App* today: *Apple:* https://apple.co/4iChGhr *Google Play:* https://bit.ly/sb-googleplay Don't overcomplicate this crap! All you need is an automated / SIMPLE budget. ▶▶▶▶ *AND REMEMBER* those who sign up for DollarWise Premium *annual* get a signed version of the Cook Book, just submit proof of purchase here: https://tally.so/r/3xzPq5 Use Yrefy to refinance your private student loans today at: https://yrefy.com/hammer or call (888) Yrefy-78 You're 30 seconds away from being debt free with PDS Debt. Get your free assessment and find the best option for you at https://PDSDebt.com/hammer Pioneering global protection with tech you can trust. We are The Guild, and together, we won't fear tomorrow. Learn more about The Guild at https://theguild.io/ Roll over your 401(k) at https://hicapitalize.com/caleb and see site for full terms. This video is sponsored by Capitalize! #ad  @hiCapitalize  Learn more about your ad choices. Visit megaphone.fm/adchoices

Tech M&A Is Shattering Records—Are You Ready to Capitalize? Join us for the August edition of Tech M&A Monthly, where we'll break down what's driving record-breaking deal activity and what it means for tech founders like you. We'll explore the latest trends shaping the M&A landscape and take you inside the buyer universe—who's actively acquiring, how much dry powder they're sitting on and where they're looking to invest next. If you're thinking about an exit or just want to stay ahead of the curve, this is a webcast you won't want to miss.

Brian Balfour is the founder of Reforge, the former VP of Growth at HubSpot, and a student (and teacher) of product growth. Brian has studied every major platform shift—from Facebook to Apple to Google—and he's spotted a pattern that's about to repeat with ChatGPT.In this conversation, you'll learn:1. The 4-step cycle every platform follows (and why ChatGPT just entered step 2)2. Why ChatGPT's platform launch could be bigger than Facebook's early platform3. The exact signals that ChatGPT will launch a third-party platform within six months4. Why you have six months (not years) to make your platform bet5. Why companies that don't integrate with ChatGPT will lose to competitors that do6. How Zynga grew to $1B by betting on Facebook's platform early (before it was obvious)7. Why so few companies are actually doing what they need to be doing right now—Brought to you by:DX—The developer intelligence platform designed by leading researchers: http://getdx.com/lennyBasecamp—The famously straightforward project management system from 37signals: https://www.basecamp.com/lennyMiro—A collaborative visual platform where your best work comes to life: https://miro.com/lenny—Transcript: https://www.lennysnewsletter.com/p/why-chatgpt-will-be-the-next-big-growth-channel-brian-balfour—My biggest takeaways (for paid newsletter subscribers): https://www.lennysnewsletter.com/i/170294620/my-biggest-takeaways-from-this-conversation—Where to find Brian Balfour:• X: https://twitter.com/bbalfour• LinkedIn: https://www.linkedin.com/in/bbalfour/• Website: https://brianbalfour.com/• Substack: https://blog.brianbalfour.com/• Podcast: https://www.reforge.com/podcast/unsolicited-feedback—Where to find Lenny:• Newsletter: https://www.lennysnewsletter.com• X: https://twitter.com/lennysan• LinkedIn: https://www.linkedin.com/in/lennyrachitsky/—In this episode, we cover:(00:00) Welcome back, Brian!(04:13) The changing landscape of product growth(05:09) The importance of distribution(08:14) The role of new distribution platforms(09:45) The four-step cycle of distribution platforms(17:38) Examples of platform cycles(30:01) The rise of ChatGPT(44:47) The future of AI agents(46:01) Preferred partners and platform credibility(47:18) Monetization mechanisms and free tiers(48:14) Betting strategies for startups(01:04:34) Adopting AI tools: challenges and strategies(01:08:41) The importance of hard constraints(01:14:23) Effective AI adoption in companies(01:19:05) Lightning round and final thoughts—Referenced:• The Next Great Distribution Shift: https://blog.brianbalfour.com/p/the-next-great-distribution-shift• Brian Balfour: 10 lessons on career, growth, and life: https://www.lennysnewsletter.com/p/brian-balfour-10-lessons-on-career• This Week #9: Breaking into growth, leading with influence, and (not) stepping on toes: https://www.lennysnewsletter.com/p/this-week-9-breaking-into-growth• Distribution vs. Innovation: https://a16z.com/distribution-vs-innovation/• On Platform Shifts and AI: https://caseyaccidental.com/on-platform-shifts-and-ai/• How to sell your ideas and rise within your company | Casey Winters, Eventbrite: https://www.lennysnewsletter.com/p/how-to-sell-your-ideas-and-rise-within• Thinking beyond frameworks | Casey Winters (Pinterest, Eventbrite, Airbnb, Tinder, Canva, Reddit, Grubhub): https://www.lennysnewsletter.com/p/thinking-beyond-frameworks-casey• ChatGPT: https://chatgpt.com/• Claude: https://claude.ai/• Gemini: https://gemini.google.com/• Vine: https://en.wikipedia.org/wiki/Vine_(service)• Periscope: https://en.wikipedia.org/wiki/Periscope_(service)• Myspace: https://en.wikipedia.org/wiki/Myspace• Friendster: https://en.wikipedia.org/wiki/Friendster• AltaVista: https://en.wikipedia.org/wiki/AltaVista• Lycos: https://www.lycos.com/• HubSpot: https://www.hubspot.com/• Zynga: https://www.zynga.com/• TBPN: https://www.tbpn.com/• Deedy Das on LinkedIn: https://www.linkedin.com/in/debarghyadas/• ChatGPT's product retention curves are a product manager's wet dream: https://www.linkedin.com/posts/debarghyadas_chatgpts-product-retention-curves-are-a-activity-7338384752393035776-ice1/• Windsurf: https://windsurf.com/• Building a magical AI code editor used by over 1 million developers in four months: The untold story of Windsurf | Varun Mohan (co-founder and CEO): https://www.lennysnewsletter.com/p/the-untold-story-of-windsurf-varun-mohan• Anthropic's CPO on what comes next | Mike Krieger (co-founder of Instagram): https://www.lennysnewsletter.com/p/anthropics-cpo-heres-what-comes-next• Udemy: https://www.udemy.com/• Cursor: https://cursor.com/• The rise of Cursor: The $300M ARR AI tool that engineers can't stop using | Michael Truell (co-founder and CEO): https://www.lennysnewsletter.com/p/the-rise-of-cursor-michael-truell• Notion: https://www.notion.com/• Airtable: https://www.airtable.com/• Monday: monday.com• Sierra: http://sierra.ai• He saved OpenAI, invented the “Like” button, and built Google Maps: Bret Taylor on the future of careers, coding, agents, and more: https://www.lennysnewsletter.com/p/he-saved-openai-bret-taylor• Introducing ChatGPT agent: bridging research and action: https://openai.com/index/introducing-chatgpt-agent/• Zigging vs. zagging: How HubSpot built a $30B company | Dharmesh Shah (co-founder/CTO): https://www.lennysnewsletter.com/p/lessons-from-30-years-of-building• Marc Andreessen on Why Optimism Is the Safest Bet: https://nymag.com/marc-andressen-2014-10-20/• Reforge: https://www.reforge.com• Reforge Insights: https://www.reforge.com/insights• Shopify: https://www.shopify.com/• 25 proven tactics to accelerate AI adoption at your company: https://www.lennysnewsletter.com/p/25-proven-tactics-to-accelerate-ai• Clouded Judgement: https://cloudedjudgement.substack.com/• NFX: https://www.nfx.com/news• James Currier: https://www.nfx.com/team/james-currier• Hallway Chat: https://www.hallwaychat.co/• Bryan Johnson on LinkedIn: https://www.linkedin.com/in/bryanrjohnson/• Silicon Valley on HBO: https://www.hbomax.com/shows/silicon-valley/b4583939-e39f-4b5c-822d-5b6cc186172d• Stick: https://tv.apple.com/us/show/stick/umc.cmc.52w04zy67tiv11p8xvbc57wmc• Ergonofis standing desks: https://ergonofis.com/en-us/collections/standing-desks• Coping with the loss of a child and protecting your time | Brian Balfour (father of 2, CEO and founder Reforge, venture partner): https://www.startupdadpod.com/coping-with-the-loss-of-a-child-and-protecting-your-time-brian-balfour-father-of-2-ceo-and-found/—Production and marketing by https://penname.co/. For inquiries about sponsoring the podcast, email podcast@lennyrachitsky.com.Lenny may be an investor in the companies discussed. To hear more, visit www.lennysnewsletter.com

[Apologies for the tardiness, Jereme is moving house, that shit takes a lot of time and work, so it delayed production.] We first chat about how Trump's Transportation Department will be “unleashing American drone dominance,” then we get into the thick morass of the Trump family's ongoing entanglements with the crypto industry—and how both sides of this partnership are deeply, financially dependent on each other. ••• US proposes new drone rules that could lead to Starbucks, Amazon deliveries https://www.reuters.com/world/us/us-proposes-new-drone-rules-that-could-lead-starbucks-amazon-deliveries-2025-08-05/ ••• Southwest Airlines jet dives as a fighter jet crosses its path near Los Angeles https://edition.cnn.com/2025/07/25/us/southwest-fighter-jet-close-call ••• Trump's Finances Were Shaky. Then He Began to Capitalize on His Comeback. https://www.nytimes.com/2025/07/02/us/trump-finances-crypto.html ••• The ‘Trump Pump': How Crypto Lobbying Won Over a President https://www.nytimes.com/2025/07/09/us/politics/trump-crypto-lobbying.html ••• Does Trump's Biggest Crypto Backer Really Exist? https://www.thenation.com/article/archive/trump-crypto-world-liberty-financial-aqua-1-foundation/ Standing Plugs: ••• Order Jathan's new book: https://www.ucpress.edu/book/9780520398078/the-mechanic-and-the-luddite ••• Subscribe to Ed's substack: https://substack.com/@thetechbubble ••• Subscribe to TMK on patreon for premium episodes: https://www.patreon.com/thismachinekills Hosted by Jathan Sadowski (bsky.app/profile/jathansadowski.com) and Edward Ongweso Jr. (www.x.com/bigblackjacobin). Production / Music by Jereme Brown (bsky.app/profile/jebr.bsky.social)

The panel discusses Dropbox ending its password service, Sengled smart bulb Alexa support being pulled, and Apple joining other tech giants to digitize healthcare records. Chuck Joiner, David Ginsburg, Eric Bolden, Marty Jencius, Web Bixby, Brian Flanigan-Arthurs, Jim Rea, and Mark Fuccio debate interoperability challenges, Apple's evolving AI strategy and privacy trade-offs, celebrate 3 billion iPhones sold, and examine Apple's lawsuit against Apple Cinemas for trademark concerns after its San Francisco expansion.  Take Control Books brings you this edition of MacVoices. Get the answers you need now from leading experts. Show Notes: Chapters: [0:00] Introductions and Panel Banter[3:55] Public Service Announcements: Dropbox Passwords, Sengled Alexa Support[9:12] Apple Joins Push to Digitize Healthcare Records[22:15] Apple's AI Strategy and “Answers” Team Discussion[33:27] 3 Billion iPhones Sold: Milestone Reflections[38:49] Apple Lawsuit Against Apple Cinemas Expansion Links: Users left scrambling for a plan B as Dropbox drops Dropbox Passwordshttps://www.theregister.com/2025/07/30/dropbox_drops_dropbox_passwords/ Amazon yanks Sengled's Alexa skill after a series of service outageshttps://www.pcworld.com/article/2864586/amazon-yanks-sengleds-alexa-skill-after-a-series-of-service-outages.html Apple and others back government plan to digitize healthcare https://appleinsider.com/articles/25/07/30/apple-and-others-back-government-plan-to-digitize-healthcare XKCDhttps://xkcd.com/927/ Apple now looking to rival ChatGPT with a new in-house 'Answers' team: report https://9to5mac.com/2025/08/03/apple-rivaling-chatgpt-with-new-internal-team-report/ Tim Cook holds company-wide meeting to address Apple's AI woeshttps://9to5mac.com/2025/08/01/tim-cook-holds-company-wide-meeting-to-address-apples-ai-woes/ Tim Cook: Apple just sold its three-billionth iPhonehttps://9to5mac.com/2025/07/31/tim-cook-apple-just-sold-its-three-billionth-iphone/ Apple Files Lawsuit Against Owners of Apple Cinemas for Attempting to Capitalize on Its Name https://www.mactrast.com/2025/08/apple-files-lawsuit-against-owners-of-apple-cinemas-for-attempting-to-capitalize-on-its-name/ Guests: Web Bixby has been in the insurance business for 40 years and has been an Apple user for longer than that.You can catch up with him on Facebook, Twitter, and LinkedIn, but prefers Bluesky. Eric Bolden is into macOS, plants, sci-fi, food, and is a rural internet supporter. You can connect with him on Twitter, by email at embolden@mac.com, on Mastodon at @eabolden@techhub.social, on his blog, Trending At Work, and as co-host on The Vision ProFiles podcast. Brian Flanigan-Arthurs is an educator with a passion for providing results-driven, innovative learning strategies for all students, but particularly those who are at-risk. He is also a tech enthusiast who has a particular affinity for Apple since he first used the Apple IIGS as a student. You can contact Brian on twitter as @brian8944. He also recently opened a Mastodon account at @brian8944@mastodon.cloud. Mark Fuccio is actively involved in high tech startup companies, both as a principle at piqsure.com, or as a marketing advisor through his consulting practice Tactics Sells High Tech, Inc. Mark was a proud investor in Microsoft from the mid-1990's selling in mid 2000, and hopes one day that MSFT will be again an attractive investment. You can contact Mark through Twitter, LinkedIn, or on Mastodon. David Ginsburg is the host of the weekly podcast In Touch With iOS where he discusses all things iOS, iPhone, iPad, Apple TV, Apple Watch, and related technologies. He is an IT professional supporting Mac, iOS and Windows users. Visit his YouTube channel at https://youtube.com/daveg65 and find and follow him on Twitter @daveg65 and on Mastodon at @daveg65@mastodon.cloud. Dr. Marty Jencius has been an Associate Professor of Counseling at Kent State University since 2000. He has over 120 publications in books, chapters, journal articles, and others, along with 200 podcasts related to counseling, counselor education, and faculty life. His technology interest led him to develop the counseling profession ‘firsts,' including listservs, a web-based peer-reviewed journal, The Journal of Technology in Counseling, teaching and conferencing in virtual worlds as the founder of Counselor Education in Second Life, and podcast founder/producer of CounselorAudioSource.net and ThePodTalk.net. Currently, he produces a podcast about counseling and life questions, the Circular Firing Squad, and digital video interviews with legacies capturing the history of the counseling field. This is also co-host of The Vision ProFiles podcast. Generally, Marty is chasing the newest tech trends, which explains his interest in A.I. for teaching, research, and productivity. Marty is an active presenter and past president of the NorthEast Ohio Apple Corp (NEOAC). Jim Rea built his own computer from scratch in 1975, started programming in 1977, and has been an independent Mac developer continuously since 1984. He is the founder of ProVUE Development, and the author of Panorama X, ProVUE's ultra fast RAM based database software for the macOS platform. He's been a speaker at MacTech, MacWorld Expo and other industry conferences. Follow Jim at provue.com and via @provuejim@techhub.social on Mastodon. Support:      Become a MacVoices Patron on Patreon     http://patreon.com/macvoices      Enjoy this episode? Make a one-time donation with PayPal Connect:      Web:     http://macvoices.com      Twitter:     http://www.twitter.com/chuckjoiner     http://www.twitter.com/macvoices      Mastodon:     https://mastodon.cloud/@chuckjoiner      Facebook:     http://www.facebook.com/chuck.joiner      MacVoices Page on Facebook:     http://www.facebook.com/macvoices/      MacVoices Group on Facebook:     http://www.facebook.com/groups/macvoice      LinkedIn:     https://www.linkedin.com/in/chuckjoiner/      Instagram:     https://www.instagram.com/chuckjoiner/ Subscribe:      Audio in iTunes     Video in iTunes      Subscribe manually via iTunes or any podcatcher:      Audio: http://www.macvoices.com/rss/macvoicesrss      Video: http://www.macvoices.com/rss/macvoicesvideorss

The panel discusses Dropbox ending its password service, Sengled smart bulb Alexa support being pulled, and Apple joining other tech giants to digitize healthcare records. Chuck Joiner, David Ginsburg, Eric Bolden, Marty Jencius, Web Bixby, Brian Flanigan-Arthurs, Jim Rea, and Mark Fuccio debate interoperability challenges, Apple's evolving AI strategy and privacy trade-offs, celebrate 3 billion iPhones sold, and examine Apple's lawsuit against Apple Cinemas for trademark concerns after its San Francisco expansion.  Take Control Books brings you this edition of MacVoices. Get the answers you need now from leading experts. Show Notes: Chapters: [0:00] Introductions and Panel Banter [3:55] Public Service Announcements: Dropbox Passwords, Sengled Alexa Support [9:12] Apple Joins Push to Digitize Healthcare Records [22:15] Apple's AI Strategy and “Answers” Team Discussion [33:27] 3 Billion iPhones Sold: Milestone Reflections [38:49] Apple Lawsuit Against Apple Cinemas Expansion Links: Users left scrambling for a plan B as Dropbox drops Dropbox Passwords https://www.theregister.com/2025/07/30/dropbox_drops_dropbox_passwords/ Amazon yanks Sengled's Alexa skill after a series of service outages https://www.pcworld.com/article/2864586/amazon-yanks-sengleds-alexa-skill-after-a-series-of-service-outages.html Apple and others back government plan to digitize healthcare https://appleinsider.com/articles/25/07/30/apple-and-others-back-government-plan-to-digitize-healthcare XKCD https://xkcd.com/927/ Apple now looking to rival ChatGPT with a new in-house 'Answers' team: report https://9to5mac.com/2025/08/03/apple-rivaling-chatgpt-with-new-internal-team-report/ Tim Cook holds company-wide meeting to address Apple's AI woes https://9to5mac.com/2025/08/01/tim-cook-holds-company-wide-meeting-to-address-apples-ai-woes/ Tim Cook: Apple just sold its three-billionth iPhone https://9to5mac.com/2025/07/31/tim-cook-apple-just-sold-its-three-billionth-iphone/ Apple Files Lawsuit Against Owners of Apple Cinemas for Attempting to Capitalize on Its Name  https://www.mactrast.com/2025/08/apple-files-lawsuit-against-owners-of-apple-cinemas-for-attempting-to-capitalize-on-its-name/ Guests: Web Bixby has been in the insurance business for 40 years and has been an Apple user for longer than that.You can catch up with him on Facebook, Twitter, and LinkedIn, but prefers Bluesky. Eric Bolden is into macOS, plants, sci-fi, food, and is a rural internet supporter. You can connect with him on Twitter, by email at embolden@mac.com, on Mastodon at @eabolden@techhub.social, on his blog, Trending At Work, and as co-host on The Vision ProFiles podcast. Brian Flanigan-Arthurs is an educator with a passion for providing results-driven, innovative learning strategies for all students, but particularly those who are at-risk. He is also a tech enthusiast who has a particular affinity for Apple since he first used the Apple IIGS as a student. You can contact Brian on twitter as @brian8944. He also recently opened a Mastodon account at @brian8944@mastodon.cloud. Mark Fuccio is actively involved in high tech startup companies, both as a principle at piqsure.com, or as a marketing advisor through his consulting practice Tactics Sells High Tech, Inc. Mark was a proud investor in Microsoft from the mid-1990's selling in mid 2000, and hopes one day that MSFT will be again an attractive investment. You can contact Mark through Twitter, LinkedIn, or on Mastodon. David Ginsburg is the host of the weekly podcast In Touch With iOS where he discusses all things iOS, iPhone, iPad, Apple TV, Apple Watch, and related technologies. He is an IT professional supporting Mac, iOS and Windows users. Visit his YouTube channel at https://youtube.com/daveg65 and find and follow him on Twitter @daveg65 and on Mastodon at @daveg65@mastodon.cloud. Dr. Marty Jencius has been an Associate Professor of Counseling at Kent State University since 2000. He has over 120 publications in books, chapters, journal articles, and others, along with 200 podcasts related to counseling, counselor education, and faculty life. His technology interest led him to develop the counseling profession ‘firsts,' including listservs, a web-based peer-reviewed journal, The Journal of Technology in Counseling, teaching and conferencing in virtual worlds as the founder of Counselor Education in Second Life, and podcast founder/producer of CounselorAudioSource.net and ThePodTalk.net. Currently, he produces a podcast about counseling and life questions, the Circular Firing Squad, and digital video interviews with legacies capturing the history of the counseling field. This is also co-host of The Vision ProFiles podcast. Generally, Marty is chasing the newest tech trends, which explains his interest in A.I. for teaching, research, and productivity. Marty is an active presenter and past president of the NorthEast Ohio Apple Corp (NEOAC). Jim Rea built his own computer from scratch in 1975, started programming in 1977, and has been an independent Mac developer continuously since 1984. He is the founder of ProVUE Development, and the author of Panorama X, ProVUE's ultra fast RAM based database software for the macOS platform. He's been a speaker at MacTech, MacWorld Expo and other industry conferences. Follow Jim at provue.com and via @provuejim@techhub.social on Mastodon. Support:      Become a MacVoices Patron on Patreon      http://patreon.com/macvoices      Enjoy this episode? Make a one-time donation with PayPal Connect:      Web:      http://macvoices.com      Twitter:      http://www.twitter.com/chuckjoiner      http://www.twitter.com/macvoices      Mastodon:      https://mastodon.cloud/@chuckjoiner      Facebook:      http://www.facebook.com/chuck.joiner      MacVoices Page on Facebook:      http://www.facebook.com/macvoices/      MacVoices Group on Facebook:      http://www.facebook.com/groups/macvoice      LinkedIn:      https://www.linkedin.com/in/chuckjoiner/      Instagram:      https://www.instagram.com/chuckjoiner/ Subscribe:      Audio in iTunes      Video in iTunes      Subscribe manually via iTunes or any podcatcher:      Audio: http://www.macvoices.com/rss/macvoicesrss      Video: http://www.macvoices.com/rss/macvoicesvideorss

The episode is a motivational masterclass aimed at empowering individuals—especially entrepreneurs and professionals—to take control of their lives, careers, and personal growth. Rushion McDonald shares personal stories, lessons learned, and actionable advice to help listeners: Overcome fear and excuses Build a personal brand Capitalize on opportunities Maintain balance and consistency Transition from being a “chicken” to an “eagle” in life

The episode is a motivational masterclass aimed at empowering individuals—especially entrepreneurs and professionals—to take control of their lives, careers, and personal growth. Rushion McDonald shares personal stories, lessons learned, and actionable advice to help listeners: Overcome fear and excuses Build a personal brand Capitalize on opportunities Maintain balance and consistency Transition from being a “chicken” to an “eagle” in life

The episode is a motivational masterclass aimed at empowering individuals—especially entrepreneurs and professionals—to take control of their lives, careers, and personal growth. Rushion McDonald shares personal stories, lessons learned, and actionable advice to help listeners: Overcome fear and excuses Build a personal brand Capitalize on opportunities Maintain balance and consistency Transition from being a “chicken” to an “eagle” in life

Derick Van Ness of Big Life Financial returns to the podcast to discuss with Kiera the new realities of the recently passed One Big Beautiful Bill — and how dentists can capitalize on the impacts. They discuss bonus depreciation, research and development credits, and more. Further, there's an opportunity for DAT listeners at biglifefinancial.com/DAT, where you can learn if you're overpaying on your taxes and what new opportunities exist. Episode resources: Subscribe to The Dental A-Team podcast Schedule a Practice Assessment Leave us a review Transcript Kiera Dent (00:00) Hello, Dental A Team listeners. This is Kiera. And today I'm excited to welcome back a popular guest. He and I have chatted multiple times. We've gone around and around on different topics of how to help dentists build more wealth. So Derick, ⁓ with Big Life Financial, we talked about our research and development credits. Today we're going to be talking about this big, beautiful tax bill, how it's going to impact dentists, how it's going to impact building wealth. I do think it also impacts team members. So Derick, welcome back to the show. How are you today?   Derick Van Ness (00:29) I'm great, Kiera. I really appreciate you bringing me on the show again. It's always fun to talk.   Kiera Dent (00:34) Of course, we all know that I love wealth strategies. love ⁓ it takes time like you and I were talking about pre show. ⁓ I think it's something to educate ourselves on and to be around really smart people and to constantly be looking at different things like I know hot in the real estate world right now and with buying businesses and buying practices, the big beautiful tax bill is actually great for the bonus depreciation coming in. So just like educating ourselves and that's what I wanted today to be.   not getting high into politics. These are bills that are into place ⁓ and how to take advantage of them, how to maximize them. Derick, you work with a ton of dentists. So Derick, for those who don't know, you kind of give a little bit background on how you and I even got connected, how you got into dentistry, ⁓ how does Big Life Financial play into this. We have a lot of mutual clients together. So just kind of give people a background on who you are and how you got to the dental space.   Derick Van Ness (01:26) Absolutely, you know, I started out back in like 2010 2009 2010 helping small business owners with taxes and financial strategy I was working for another firm at the time and I had been a house flipper and if for those of you who remember 2008 wasn't so good if you're a house flipper, right and When that whole thing fell apart kind of fell in my head I took a lot of the skills that I had and a friend of mine hired me to help   Kiera Dent (01:46) It is not.   Derick Van Ness (01:55) small business owners with taxes and financial and business strategy. ⁓ Working with them, I had a chance to work with about 1,500 business owners over seven years. And then eventually went out and started doing my own thing because there were some different things that I wanted to do that they didn't offer. ⁓ essentially, in that time, I worked with a lot of dentists and a lot of doctors. ⁓ And so I kind of stayed in that arena, which led me to ⁓ meeting you, Kiera.   through Mark over at DSI and all the stuff that I'd done with him and then found you guys and just love what you guys do with helping people to build their teams. Cause I'm such a huge advocate of how important that is to have the right team to run your practice, right? Especially if you're going to have multiple practices, it just can't be about you. And so it was just kind of a natural fit. And like you said, you, you definitely love financial strategies. So.   We got into it, we talked about a bunch of different things, had a chance to work together. Like you said, have shared a lot of clients along the way, but it just seems like dentists have a lot of the problems that we solve, which is they pay a of taxes, they make good money, and most of them didn't get an MBA in college to understand how business and finances work. They've had to learn along the way. And so we see ourselves as part of that process of helping dentists become.   better business owners, better entrepreneurs, and honestly create freedom in their life instead of just having a business that runs them, because it's easy to have that happen in dentistry. So that's sort of how we got connected. I don't know, over the last, since whatever 2008, 2009 was, last 15 plus years, I've probably worked with somewhere between 2,000 and 2,500 business owners. I would say a good chunk of those have been dentists. So that's how we ended up together.   Kiera Dent (03:48) Yeah.   I love the journey. love hearing what you've done. I also agree on like building wealth. And I think going through dental school, working at the dental college, dentists are coming out with, you know, upwards of 500, 600, 700, $800,000 in debt somewhere up towards that upper million. Midwestern was a very expensive school. looking at that and then watching offices and I remember the first dentist that I worked with and we were partners. We, called her 2.5 because we were 2.5 million debt.   Derick Van Ness (04:03) Cheers.   Kiera Dent (04:18) was like, you better straighten that spine 2.5. Like we need that spine for a long time. But it was something where I realized like, that's a substantial amount of debt. One to walk out of school with two you buy a practice on top of that and then you want to try and like even remotely live your own personal life. It just felt like the odds are possibly stacked not in a dentist favor. I've had several dentists where this is the case where they're multimillion in debt, trying to get these practices off the ground. And so really coming up with   Derick Van Ness (04:43) Mm-hmm.   Kiera Dent (04:47) like yes, long-term, if they make it, awesome. Hopefully it will pay off for them. But what are maybe some strategies and tips that they can do now? I think like so many of us look at real estate and wish that we would have gotten in at the 2008 because now you're selling them out or even in 2020. And so it's like, what can people do now, even if they didn't maximize or we didn't buy practices back in the day when they were so cheap, they were pennies on the dollar. What things can we do now to maximize? I was even talking to this girl the other day.   And she's like, yeah, my baby was born on New Year's Eve. And I was like, wow, talk about a great tax write-off. And she's like, I didn't even know that that was a tax write-off. I didn't even know the benefits of things. And so I feel like just so many little pieces that could make us smarter business owners to, I'm here, I love living in the United States. I love paying taxes for the country that we get to live in. I love the opportunity that we have to be business owners. With that said, I also think it's smart for us to be very wise stewards over our money to figure out different strategies.   And no, it's not sexy. No, it's not fun. A lot of it is just like save, like invest, do the things you're supposed to do. And it's going to be part of what is it? Like the eighth wonder of the world of compound interest. Like there are other pieces, but Derick, like, let's talk about this big, beautiful tax bill. How does this work? How does this impact business owners? What are some of the benefits we can take care of? Now we're talking in 2025, things will change and shift as the landscape shifts, but knowing that's in place, what are some of the things dentists owners can do now?   to maximize that coming out.   Derick Van Ness (06:18) Yeah, you bring up a good point, Kiera. You know, it's not that this stuff happens overnight, but it is, it's systemic, right? You're doing it day in and day out. And tax is one of those things, whether you like it or not, you have to file them every year. And I'm not going to lie to you, that's part of what I like about being in the tax world is people have to do it every year. It's a pretty good business model that way, right?   Kiera Dent (06:30) Right.   I   was gonna say you've got the reoccurring opportunities because it has to happen every year just like dentists have profis every six months. I mean it's a great built-in business. mean kudos to you. I don't enjoy it but it is a necessary evil to be done.   Derick Van Ness (06:52) I totally get that. If you would have told me you're going to work in taxes even 15 years ago when I first got into it, I would have said absolutely not not interested. But what I can tell you is every dollar you make in taxes is the same as a new dollar you make in your business. Right. But you don't have to have employees and risk and additional insurance and additional equipment and all this other stuff. So it really is pure profit when you can reduce your taxes. So   even a small amount of tax strategy can go a very long way in increasing what you get in the bottom line, right? And if you could just take a lot of dentists across the country, they're in the 40 % tax bracket, maybe a little higher or lower depending on your state, but somewhere in that range, if you could even lower that by 10%, that's keeping an additional 10 % of your income. That's a lot of extra money for people to be able to save and put to work without having to go do more risk and...   buy a bigger building and do a build out and deal with more personalities in the office because all of those things are variables, right? So I see it as a pure profit machine if you get it right. And so I've chosen to think it that way because I spend so much time in it, but it really does come down to just keeping a lot more of the money you make. And it's a very potent way to do it because honestly, with 10 to 15 hours a year, so think of that as like one hour a month.   you can really add a lot to the bottom line of what you get to keep. In some cases, we can cut taxes almost in half for high, high income earners. So it's a pretty big deal.   Kiera Dent (08:25) Well, and as you said that I think it's a big deal for today because yes to have that back to you is great. But like we talked about compounding, compounding until you've experienced compounding seems like not real. Just like I think when like you have bought your first house and it's like, how am I ever supposed to do this and make money on it until you bought your first practice? A lot of those things I think feel ⁓ arbitrary, they feel false. And then once you get into the compounding world and you're like, my gosh, like   we're making money without having to do anything. It's like, yeah, I could save on my taxes in a legal, ethical way, have more money at the end of the year that I could then put towards this, like you said, make it work for me. Well, now that it's just duplicating, it's multiplying, it's replicating, those things to me are things I get excited about. Those are things that I look for, because I don't think there's a lot of money.   I call it the money making machine. What things can we put into your money making machine to where it's working for you day in, day out without you having to do any extra work? I think all of us check yes, let's say yes to that. So Derick, let's talk about how we can create more of these money making machines, putting our money to work for us rather than constantly trying to chase the money dream to where at the end of our careers and even during our careers, we're living the lives that we wanted to get to when we first started out into these careers.   Derick Van Ness (09:29) Yep.   Yeah. And I can tell you guys this, if you only walk away with one thing, it's the idea if you want to build wealth, you need to create systematic savings, right? Systematize putting money aside, whether that's actually savings account or investing or however, but just getting money out of the spending cycle and into the building cycle. And it's like watching your child, right? Like in the beginning, kids grow and it's like day to day, you don't see it, but year to year,   it starts to make a bigger and bigger and bigger difference. And then, you know, when they're teenagers, you're just like, what's happening, right? So it's the same kind of thing with your money. In the beginning, if you're just watching a day to day, you don't really see the growth. You have to trust the process, right? But the biggest thing you can do is put that on autopilot, because if you have to automatically go into your bank account every month and move money over or every year, move money over, it's much harder. And like writing,   Kiera Dent (10:28) Mm-hmm.   Derick Van Ness (10:42) 25, 50, 100, $200,000 checks feels hard. Setting aside 2,000, 3,000, 5,000, $10,000 a month, and then you cut that in half per pay period, and all of a sudden it gets a lot easier. It's like, oh yeah, $1,000 a pay period, not that big a deal. Much easier than writing a $25,000 check, right? Or two or $3,000 per pay period. It really does add up. And that's where the tax piece comes in is, in many cases, it's like found money. I try to teach our clients to...   Kiera Dent (10:46) Mm-hmm.   Derick Van Ness (11:11) save like you're going to pay full blast on taxes. And then when we do the tax strategy, all this money is left over. And so it feels like extra money, and then you can put it to work, right? And that's where you do get to play with some bigger chunks. ⁓ But really, it's that habit of automating, setting money aside. If you can just only take one thing from this, it's that. And taxes can create a huge amount of that for you along the way. So let's talk about the tax bill, right?   Kiera Dent (11:24) Mm-hmm.   Yeah,   let's talk about it. And I just want to highlight on that, Derick, of I was talking to a CPA the other day on the podcast and he talked about how like there's a different psychology of business owners. ⁓ We go from getting a W-2 paycheck that we're used to being able to spend all of it because taxes have already been taken out to them becoming business owners and not having taxes automatically taken from that and needing to be super disciplined on saving. And so I agree with you. And when I realized like,   I got so annoyed when I'm like, great, so now I never get a refund check ever again in taxes. I was like, no, actually it's actually so much better now than it ever was. Because if I just set it aside, I'm like, taxes are pretty simple. I guess there's some nuances to them, but it's pretty much like whatever tax bracket you are, take your profit at the end of the month, set that aside. And lo and behold, if you do the tax planning strategy, like you said, usually I'm ending up with a pretty good substantial chunk at the end of the year that I count as my like quote unquote, like   the refund check or whatever. It's been so long since I've gotten one that I don't even know what it is. But it's awesome because then you have this huge lump of money because you've been saving it. You weren't expecting it. All your expenses in your life is taken care of to where now, like you said, it is really fun. Is that an investment? Is that buying something that I've always wanted to get? Is that real estate money? Because the amount of cash, if you are strategic in how you do it, is exponentially substantial.   It is truly life-changing. So I'm excited, Derick. Let's talk about the tax bill, but I will second you and ditto you and just say, yes, there's discipline to it, but that discipline equals so much freedom on the other side that just try it. Trust us on this. Save, learn to save on it and ⁓ be blown away at how much you're able to have at the end of the year if you do it really well.   Derick Van Ness (13:25) Yeah, I 100 % agree and I love your approach, Kiera. That's exactly what we try to teach with people. So let's talk about the tax bill, right? There's a ton of stuff that's in there that we're not going to touch on because like the child tax credit go up $200 a year. Yes. Is that going to move the needle for you as a business owner? Not really, right? Is there a little bit for senior tax relief in there where there's $6,000 of income that they don't pay taxes on? Yes. Does that really matter for you? Probably not, right? So we're going to...   Kiera Dent (13:33) Okay, let's talk.   Derick Van Ness (13:55) we're going to talk a little bit about a couple of key things that can really move the needle. One of them you alluded to, Kiera, that I think is really important is the idea of bonus depreciation, right? People who don't know what bonus depreciation is, it's when you buy certain types of equipment or real estate, you can take all the depreciation in the first year, right? And that can be ⁓ a huge chunk, especially when you combine it with something like cost segregation. For those of you who don't know what cost segregation is, the two really   Kiera Dent (14:04) Mm-hmm.   Derick Van Ness (14:24) work well together. So I think it's worth taking just a sec, even though it's not new, it really enhances this strategy. ⁓ Cost segregation is when you have a piece of real estate, you bring in an engineer, and there are companies that do this, right? So you don't have to know all this stuff. ⁓ But they come in, they reclassify as much of your building as they can as equipment. And so what you get to do is depreciate a portion of the building, the stuff that's equipment much more rapidly. So a lot of times five, seven or 15 years.   versus either 27 or 39 and a half years. So you get a lot more depreciation on the front end. It's not like you get more overall, but money today is worth a whole lot more than money 20 or 30 years from now. You can invest it and use it to grow your business, et cetera. But then when you add bonus depreciation to that, you can get a lot more of it in the first year. what this really means is if you're   Kiera Dent (15:06) Mm-hmm.   Derick Van Ness (15:21) buying the right kind of equipment or you're buying a building or you're doing big improvements, you can get a lot more depreciation and that depreciation can save you in taxes, right? And this is one that I feel like most CPAs kind of get bonus depreciation, but a lot of them don't bring in the cost segregation piece. So if you own a piece of real estate, especially if you bought it in the last few years and you haven't done a cost segregation study, this is something that you would have to know about because someone has to physically come to your building. If you haven't done one,   Kiera Dent (15:39) Mm-hmm.   Derick Van Ness (15:51) should talk to your CPA about it or talk to someone about it. I'm sure Kiera knows people, we know people, there are plenty of people out there who do it. But that's something worth looking at, especially if your building's worth, I would say, $250,000, $300,000, and you've had it less than five years and you haven't done this, yeah, it's totally worth looking at. It could be a real nice windfall. So that's a big one. It had been in place, then it started phasing out from 100 % to 80 % to 60%.   Kiera Dent (16:04) I   Derick Van Ness (16:20) but now we're back at 100%. So this is a big one, especially if you own your building or you're buying a lot of equipment. ⁓ Another really big one is the SALT tax. Now, people hear SALT tax and they're like, what? They're thinking of like the SPICE, right? SALT stands for state and local tax. And really to simplify this, and there's kind of a workaround in almost every state where you can do it as a pass-through setup. And essentially what that means is,   Kiera Dent (16:27) Mm-hmm.   Bye.   Derick Van Ness (16:49) If you pay all your state taxes before the end of the year, those state taxes become a write off for your federal taxes. Now this was in place up to $10,000. So if you were in a 40 % tax bracket, it could have saved you $4,000. Now it's up to 40,000, four zero, $40,000. So if you're making a lot of money or you're in a high tax state, you can pay those state taxes before the end of the year and it creates a federal tax write off.   And so like if you were in a, you know, paying in a 32 % tax bracket and you paid $40,000, it's going to save you, you know, between 12 and $13,000 in taxes that year, which is pretty significant for found money. All it has to be done is you have to pay those taxes and then your, your CPA or your tax pro has to claim that. Right. So that's another big one that got raised and you probably heard a lot about it in the news because   People were trying to get it raised higher and some people thought it should be lower. It really does favor business owners. It's not something a person who doesn't have a business can do. And that was part of the controversy, right? ⁓ But at the end of the day, it's law. So you should be taking full advantage of that.   Kiera Dent (18:03) I feel like that definitely impacts like the high state tax ⁓ states like California, New York, like some of those bigger ones, definitely because I live in Nevada, it's a no state income tax state. So if I understand correctly, Derick, and this is where I love bringing smart people on, the salt tax doesn't apply to me per se in Nevada, because we don't have state income tax. Is that correct? But in those higher ones, it definitely helps you out tremendously by being able to take those those credits and apply them.   Derick Van Ness (18:32) That is correct, yeah. And like another really high one is Oregon. They have quite high state tax, whereas Washington has none. So yeah, that doesn't apply to everybody. But if you're in a state that has even medium, like I'm in Utah, income tax there is right around 5 % for the state. It's still significant, right? You can still do up to the same amount. You'll just get there slower than if you're in California.   Kiera Dent (18:36) Mm-hmm.   I agree.   Right.   Derick Van Ness (19:00) Once again, just one of those things like you talked about, know, having kids or, you know, having the ADA like disability access to your building or a lot of these other things that like there are a bunch of little things, but they really do add up doing the Augusta rule. I'm sure you guys have talked about a million times and paying your kids properly. And we have a whole strategy of actually how to help people use tax strategy to pay for their kids college, which is a pretty cool one using some of that.   Kiera Dent (19:15) Mm-hmm.   Derick Van Ness (19:29) But those aren't part of the tax bill, so we won't dig into that today. ⁓   Kiera Dent (19:32) But they   are smart things to know because as you're listing it off, I think when someone's making, let's say your practice is doing a million, let's it's doing 2 million, 5 million, let's say you're at a 50 % overhead, let's just do 5 million, that's 2.5 mil. Not all of that's going to come to you as profit, but let's use like, it also could be coming to you as profit, even if it's in the form of distributions and different pieces. I'm like,   Derick Van Ness (19:42) Mm-hmm.   Kiera Dent (19:55) on that 2.5, if that's your taxable income, now let's just do, let's say you're in the highest, like that would put you in the highest tax bracket. So we're at a 37%. Like that's almost a million dollars worth of tax money right there on 2.5. So I understand that say 12 grand doesn't seem like that much, but I'm like, but 12 grand is still going to chip down this tax bill. And then you do another 20 grand here, then you do another 15 grand here.   All of that does exponentially chip down and like the bonus appreciation. That's why I think Derick, you're talking like the $200 on a million of taxes, not really going to move the needle, but 12 grand, 15 grand. It's the stacking and being able to keep that money. You have to pay this tax no matter what. And why not like benefit and minimize and reduce it and keep that money. then even worst case scenario, you even go invest it or you put it somewhere like a high yield savings account, but still making 4 % for you.   that you wouldn't have been making so that money's working for you. I think it's a no brainer ⁓ no matter what tax bracket you're in just to see. But like I also think this is where I don't like to get lazy on my taxes like, is it really worth doing the Augustus roll? Yes, it is. Because like you said, every dollar saved today, if I could even take that 600 or that 2000 or that 12 grand, put it in right now, like go back to college. How many of us wish we would have invested at that point in time? 20 bucks when we were in college.   Derick Van Ness (21:02) You   Kiera Dent (21:19) into the stock market and what that would be worth today, I think that there's just value in being strategic and smart and this is how you build wealth. It's not sexy, but if you do it consistently, you will exponentially become wealthier much faster than otherwise. I think it's the fastest way to get to wealth long term because you've got a runway in front of you.   Derick Van Ness (21:38) Well, I'm going to throw something out here, Kiera, because I get to see behind the scenes, right? I work with a lot of successful dentists and dentists have a really good income. Dentists generally are not great at creating wealth. I'll just be totally honest with you. A lot of them, they make enough money that they, ⁓ they can spend and they have a good life and they're able to put some money away, but proportional to their income, a lot of them are not great savers because of exactly what you talked about. A lot of them make all this money, but they got to pay off a lot of debt.   Kiera Dent (21:42) Mm-hmm.   I would agree.   Derick Van Ness (22:08) right, student loans and a business loan. Well, that's a lot of cash flow, especially in the first five years going out of lot of people's pockets. So a lot of times I'll see a dentist and they're making, let's say they're taking home $500,000, which is very common. ⁓ But you look at their investments and everything and they've got 300 grand saved. And they've been at it for 10 years and you're like, what happened? it's they paid off student loans, they paid off business debt.   Kiera Dent (22:27) Mm-hmm.   Derick Van Ness (22:33) They've had to invest in equipment along the way. They've had to remodel their office. They bought a house. You know, and they have some nice things. But now when you start going back and saying, hey, we can do this, this, and this, and now you get to save an extra, let's go really, really low, an extra $20,000 a year. Okay. I did some math the other day for our newsletter, $20,000 a year. If that's what someone saved and they just put that money to work at 7%. Over 30 years, they'd have $2.1 million roughly.   Right? So it's like, it's not, it doesn't appear to be a huge thing, but over time it really does add up. And to be quite honest, someone who makes $500,000, I can think of a bunch of ways that are outside of the new tax bill, things we've been doing for years that can really save them a whole lot more than that. And so for a lot of people, like if somebody is making two and a half million dollars, there's actually some advanced strategies that can really move the needle in a big, big way. But these small things like paying your state tax by the end of the year,   It takes you five minutes and you saved 13 grand. Okay, that's a big deal. Doing, making sure you're paying yourself properly so that you don't end up paying self-employment tax unnecessarily on more of your income than you. Okay, that's another seven, 10, 15, 20 grand. ⁓ Paying your kids, Augusta rule, bonus depreciation. Okay, now all of sudden we took a bill that was maybe 120,000 of taxes for someone who makes 500 grand and now they're paying 50.   Kiera Dent (23:34) Hmm.   Derick Van Ness (24:00) So they kept 70,000. Like that's a big deal. You put that together and using the math I just did there, that's about $5 million over 30 years, right? So it's significant and I bring up the two and a half million thing, because I don't see a lot of dentists. I have a few clients that make that kind of money, but most of the dentists, especially people who own one or two practices, they're making between on the lower end, maybe 300, 350, on the higher end, maybe 800, 900,000.   Kiera Dent (24:00) Mm-hmm.   Mm-hmm.   I agree.   Derick Van Ness (24:29) You know, so suddenly an extra 50, 70, 80, $100,000 a year is a lot of money. It makes a really big difference.   Kiera Dent (24:37) I agree.   I even think though, on no matter where your bracket is, I think like, well, one, I just hope I don't know, Derick, I need to surround myself with people like this. I hope that no matter what income I make, I don't ever like pish posh 70 grand. Like I just hope I hope I never I mean, I hope that I'm a freaking billionaire at one point in my life, like that'd be incredible. And like the amount of good that we'll be able to do in this world, like even today. But I'm like, I hope that I stay   humble and grateful enough that I would never say like 20 grand or 50 grand is not worth my time to do ⁓ in a small effort. ⁓ And so I think that that's just a zone of like, let's remember the humility as well of like, yes, these things are tax savings, but they're also going to exponentially grow you, you, your practice, your family, like your contribution, your good that you're able to do in this world. So even if you're not using it for yourself, think of the good that you can give back to this community in this world. So I think   And then I'm also like, yeah, and if you're at 300, 70 grand is a lot. If you're at 900, 70 grand should still be a lot. If you're at 2.5 million, 70 grand should still be a lot for you to where I think like, I also feel it's a skill of staying sharp rather than getting lazy and sloppy as we evolve. I know I've done it. Like I used to be way more scrappy when I first started the company and I'm like, yeah, well, do we really have to do all this? And it's like, but I think this...   sharper we can keep ourselves and the more disciplined we can to be expert saviors. Like I talked to Ryan Isaac of Dentist Advisors often and he and I talk about like the biggest thing is like being a great saver, like building your wealth, but then also not losing your wealth by doing dumb things or not being disciplined and watching what you've built. Like it's kind of two sides of the coin and being able to get there at the end of the day, I think is what we're all striving for. So I think it's brilliant and I hope that nobody says pish posh to us.   Derick Van Ness (26:12) Mm-hmm.   Kiera Dent (26:34) 70 grand if we could save you that much in taxes.   Derick Van Ness (26:37) I sure hope not, right? And if you do, it's because you've got a better use of your time than that. But quite frankly, most of this stuff, especially taxes, the cool thing is we've had a few tax rewrites in the last, you know, 10 years or so. But typically we don't have a lot of tax rewrites. So once you know the rules, it doesn't change that much year to year. A few little things change here or there, but for the most part, if you can take the time.   get yourself the right team or learn the rules yourself. mean, I think even people who know how to do this themselves, having a good tax pro on your team can be worth a lot because things do come up. ⁓ But honestly, most of it, once you know it, doesn't take a lot of time, right? We're talking a couple hours a year. And if you know what you're doing, a lot of this you kind of do along the way or it's already set up, like setting the money aside for taxes that's already set up, paying before the end of the year. That's just the thing you do one time, you write one check or make one payment online and   Kiera Dent (27:17) Mm-hmm.   Derick Van Ness (27:32) and you're done, right? And a lot of these things are easy. ⁓ Another one that's a really big one that came up with the tax bill that I'm very excited about is they brought back the research and development credits. And this is another thing that for a dentist, it'll probably take you two hours of time ⁓ to do it, like an hour to work with someone to do the projects, which is basically an interview of what have you done, what's the research so that the tax team can look at that.   Kiera Dent (27:43) Mm-hmm.   Derick Van Ness (28:00) And then just getting your tax returns over because not only do these credits come back, but you can retroactively, we've got one year to do this retroactively. You can go back and claim the credits for 2022, 2023 and 2024. And so that gives us three years where you can amend and go back and get that money. And I mean, for a typical dentist, I see on the low end, there are a lot of them. If you're investing in equipment, trying new stuff, which   Kiera Dent (28:15) Wow.   Derick Van Ness (28:29) most dentists to compete have to be doing today. If you're doing, you know, still doing mercury fillings from the seventies, then maybe that's not you. But most people who are listening to your podcast are...   Kiera Dent (28:32) Mm-hmm.   I was going to say you, most of the podcast   community should be in that realm.   Derick Van Ness (28:44) Yeah, I'm kind of joking, but typically, I mean, it's between $10,000 and $20,000 a year. if you have a big practice, I mean, we've had clients that have gotten multiple six figures back because they did some major overhauls and a bunch of stuff. But let's call it $15,000 to $20,000 a year for a lot of dentists. It takes 45 minutes to do it, the interview, and then a little bit of time to review that, make sure it's good.   So let's call it two, maybe three hours of total time to get that money back, right? And you can do this every year when we amend. You have to amend them and they go back to the IRS. And the IRS is taking about a year to get checks out. They're a little buried ever since COVID. They got behind and they just never caught back up. But once you get on top of that for 2025 and beyond, like you can just do it proactively. You just don't pay the taxes. You don't have to wait for a refund.   And so it's another one of those things where you spend an hour or two a year and you get 10, 15, 20, $30,000 a year that you just get to keep. Right. And so this one to me is a huge one for dentistry because the rate at which the industry is changing, right. Uh, went from, from cone beams to milling people, milling their own crowns. Now it's 3d printing pretty soon. It's going to be, you know, a lot of these things you see at the shows with the robots doing things and all kinds of different things that   Kiera Dent (29:50) Awesome.   Totally.   Derick Van Ness (30:12) Dentistry is a very progressive industry, right? A lot of AI coming in with answering phones and scheduling people and answering questions and all of that kind of stuff. You may as well get credits for it. You're doing the work, you're buying the equipment, you're figuring this stuff out. So if you're doing anything where you're upgrading, trying new technology, looking to get better, faster, more efficient, you're probably accruing the credits. ⁓ And it's just something you don't want to miss out on. R &D credits are... ⁓   not as well known as they could be because it's very much a specialty thing and it's relatively new to the tax code. It only became permanent in 2015. It's been around since the 80s but it changed a bunch and became permanent then. And the reason we didn't do it through 2022 through 2024 was there was a change in the 2017 tax code and you know they gave tax breaks.   Kiera Dent (30:43) Mm-hmm.   Derick Van Ness (31:07) to corporations, they had to make it up somewhere. And this was the place where they said, if people claim R &D, they also don't get to write off all the expenses without going into all the detail. It just wasn't worth doing. Now we can go back and recover that. Congress didn't think it was even going to become a law. I think they thought they were going to amend it. And then COVID happened. And they sort of forgot about it. So it became a law in 22. Anyway, this is all fixing it. So to me, this is a huge one. It's an easy win for a lot of a.   Kiera Dent (31:18) Yeah.   Derick Van Ness (31:36) a lot of dentists to be able to go out and just get a bunch of money back in taxes you've already paid for stuff you've already done. And it's pretty minimal effort. ⁓ There are lot of different people out there who do it. We do a free estimate for people so they can kind of see what's on the table. But yeah, it's pretty straightforward. To me, that's probably the one specific to dentistry that's going to apply to almost everybody listening almost every year. And so   I kind of saved it toward the end here because I think it's the big win. know, the others, the bonus depreciation can be bigger, but you're probably not buying a business or massive amounts of equipment every year. But if you are, then that's going to be a huge one too.   Kiera Dent (32:20) Yeah. No, Derick, I love that. And I did some math because you talked about like one hour approximately per month to do these things. And I just I did some really, really conservative numbers. So I was like, if we were doing 20 grand of how much we get for tax savings of like actual dollars to you. And that was in 15 hours a year. That's 1333. So about 1400 per hour. And so thinking about a dentist who's producing 1400 per hour.   That's actually, that's a pretty high production. You're producing about $11,000 a day as a dentist at that rate. Then I was thinking like, okay, the R &D is 10 grand, 20 grand in two hours. That's now producing $10,000 an hour. I was like, that dentist would be producing $80,000 a day. Just to put in comparison of your dollar per hour on production, you apply that to your tax savings. I think that it's to me,   Not all dentists are even producing $1,300 an hour. Even very, very skilled dentists, like 500 to 1,000 is actually pretty great. That's what we try to target for doctors to do. 8,000 a day is a pretty good amount. So when I just did the quick math and I'm like, a lot of dentists are not working five days a week. A lot of you are working four days a week. So if you just added this as part of your CEO time, one hour per month to dedicate to this.   What's the ROI of that time? think it's very well worthwhile. And I will agree with you, Derick. We've had you on the podcast before. That's why I had you come back on, because I am seeing multiple clients get these R &D credits coming through that I just think it's a worthwhile thing. Again, I feel like it's Geico. That's what I feel like right now. Like one hour or like one quick call could save you 10 to 20 grand. I think that that to me, again, let's be sharp. Let's be savvy. Let's make sure we take advantage of these opportunities because again,   Derick Van Ness (34:00) you   Kiera Dent (34:13) Like you've said, the compound of that 10 or $20,000 that you get over the course of the next 20 to 30 years while you're doing dentistry, even if it's five years, even if it's 10 years, ⁓ that to me is so worth your time. I feel like that's the best use of your time you can possibly do as a CEO, as a business owner. So Derick, that's why I want to do back on because I think everybody should connect with you. Everybody should talk to their CPAs about this.   I know you guys do the R &D credits. I also know that you guys do accounting. So if people are looking to connect with you, Derick, like what's the easiest way? Like I'm fired up listening to this podcast. I'm committed to my one hour a month. It's like one and a half guys. So you're gonna have to be a little bit more, but I'm committed to that. Where do I start? How do I get going to make sure that I can maximize this big, beautiful tax bill and also the R &D credits for my practice.   Derick Van Ness (35:03) It's a great question. So we actually set up a page just for Dental A Team listeners, right? So it's just, my company's called Big Life Financial. And we do that, it's not big money financial. Our goal is to help you get money out of the way so you can live the life you're here to live as a human, right? And really spend the family time and make the contributions and express yourself as you want to. But it's BigLifeFinancial.com/DAT. So if you go there, it's a research and development credits   opt in right for the page because I think that's the biggest win. But we will also do, if you would like, a full three year tax review for people. Anybody who wants to see, have I been overpaying? There's a million things we didn't touch on today because they're not part of the new tax bill. There are things that have been around for a long time. ⁓ But we can help you to get a good idea of have you been overpaying and what are the opportunities out there? ⁓ And so that's a great way to start. And then from there, if it seems like you want to   Kiera Dent (35:46) Mm-hmm.   Derick Van Ness (36:03) find out more, you have questions or things come up, but that's a good starting point, right? It's like a diagnostic that gives us a good place to start from. So BigLifeFinancial.com/DAT will set up a free call. It should only take maybe 15, 20 minutes at first just to answer any question. That's great.   Kiera Dent (36:19) 15 or more could save you.   It really fills up, it's true. It's true. Daria, I do have a question though, because people get creeped out by taxes. How often do doing this and looking back at past taxes alert audits within the IRS? Because people creep out about this.   Derick Van Ness (36:37) So doing it,   so the R &D credits, especially this because they literally passed a law and said, yes, you can go back and do it. So there's going to be a ton of people doing it. So I don't think it's going to be any type of audit unless you really weren't doing research, right? But that's what the interview is for, is to help us to identify it. And our team will essentially tell you what does and doesn't qualify. But there's no risk to it, especially because they're saying, hey, yeah, you can go back and do this. You could.   I mean, you could have claimed it before, but nobody did. So it's not going to stand out. also, even in the past, when we've done this for people prior to that law change, I think out of 16,000 filings, there's been like maybe 12 or 15 audits. It's lower. It's even lower than a typical audit range. And I don't know how that's even really possible, but it's just been very low. It's not something the IRS is really worried about. It's not huge amounts of money.   Kiera Dent (37:10) Mm-hmm.   Derick Van Ness (37:35) You know, some of these other strategies care that you're aware of. people are getting 50, 100,000, $200,000 tax breaks and those are much more highly scrutinized. You really doing this work, which dentists do, uh, and based on your industry, I don't think they're really going to bat an eye. It doesn't mean there's a zero chance, but it's very, very low. Just like if you had a piece of equipment, forgot to depreciate it. Now you went back and amended to do that. It's that straightforward. It's a permanent part of the tax code. It's not gray area stuff.   Kiera Dent (37:42) Right.   which is super helpful. And that's just where I wanted to clarify because I know people get kind of weird of like, yeah, I want to save on my taxes, but I'd rather not get audited. And so I think this is a world where you can be both. You can save on taxes legally, just like the Augustus rule. Like that is something very common. People do it if you don't know about it, talk to your CP about it, ⁓ your kids having real jobs. So I feel like it's something where, like you said, it's not talked about as much, but that does not mean that it is not as commonplace or that you shouldn't bonus appreciation on real estate, on big equipment.   Derick Van Ness (38:10) Yeah.   Kiera Dent (38:36) These are things that I also feel this is the time like a political landscape for you as a business owner to take advantage of tax benefits. The person who's in the White House currently, whatever you choose to believe or not believe is very pro businesses in a lot of ways. And so I'm like, if you're ever going to try it based on who's in office, ⁓ I think now is a great time ⁓ with how many things are coming forward for businesses and being more business. ⁓ I would just say   business friendly, I think is where the political landscape is currently. Again, not to go down a political path, just to be looking at like, if I'm hedging my bets, now is probably a really good time where odds of audits are probably a little bit lower than maybe at other times of the political landscape. So just things to think about. Derick, I love these podcasts. I love building wealth. So guys go to BigLifeFinancial.com/DAT, so Dental A Team. So it's just DAT our initials.   Derick Van Ness (39:15) Yeah.   Kiera Dent (39:32) And Derick will take great care of you. Derick, any last thoughts as we wrap up today? I appreciate you so much being on here.   Derick Van Ness (39:38) No, just think, you know, dentists work really, really hard and I feel like a lot of them don't get the fruits of their labor because there's a lot of these little things that they haven't been taught. And I think all the little things do add up. So, you know, this is one of those things that if you choose to just take it on, figure it out in a year or two, you'll be way ahead of the game and you get to benefit from that basically forever. Right? lot of this stuff, once you figure it out one time, you can just ride.   80%, 90 % on autopilot. So if you've been afraid of it, would say it's climb over that hill, whether it's with us or someone else, it is really worth it. You guys work too hard, take too many risks, deal with too much headache to not get the full amount of the money that you really deserve to keep. So yeah.   Kiera Dent (40:23) I agree.   That's why Derick gets to be on the podcast because we're very aligned. I've always said I want dentists to be insanely wealthy, insanely. I see what you go through in school. mean, 2.5 million debt ⁓ to even get the opportunity to practice. ⁓ That's really where I was on a very strong mission to help dentists just like Derick to be as successful as you want to be. And there's little strategies like what we talked about that are big strategies. So take advantage, get over the hump.   Chat with Derick or your financial advisor or your CPA. But these things, I think, need to be part of your every single year conversations. They need to be talked about multiple times. You need to be asking what's been changing in the tax bill, keeping yourself a part of it. Very simple moves, big gains this year. Derick, as always, thanks for being a part of it. I really appreciate you. And for all of you listening, thank you for listening, and I'll catch you next time on the Dental A Team Podcast.

In this episode, we sit down with Mike Belshe, CEO of BitGo, to reveal why this new law could be the biggest catalyst for crypto since Bitcoin ETFs… and the worst news banks have had in a century. Will stablecoins kill traditional banking? Could 4% on-chain interest spark a global run on deposits? And how might this law make the U.S. dollar the last fiat currency standing? ~~~~~

The FF Dynasty, Season 9, Episode 66: Casey + Big Co are back to breakdown some recent NFL News + Camp Hype to determine what types of Dynasty Fantasy Football Trades you should be making -- Cam Ward Calvin Ridley Rome Udunze Chris Olave Jacory Crosky-Merrit Tahj Brooks -- Free ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Patreon⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ + ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Discord⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ 5 Star Contest ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Twitter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Insta⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠TikTok⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ --

Chris Carter from The Pittsburgh Post-Gazette comes on The Fan Hotline to react to the reports that Steelers' DL Cam Heyward and K Chris Boswell each want new contracts.

ContentsVenture CapitalData is actually not a great VC-backed businessWhy Every International Founder Should Spend Three Months in the U.S.A Path Forward for Seed VCsWhy Seed Rounds Are Growing as Startups ShrinkWhy our access is improvingOn 9 data-driven tips for YC startup foundersUltra-Unicorn Investors: These Firms Have Amassed The Largest Portfolios Of $5B+ Startups Landscape of VC-Backed M&AEssaysA Summer of AI in San FranciscoThe Satya of Satya's Layoff MemoAds are inevitable in AI, and that's okayThe AI Search Tipping PointThe Slow Death of Social Networks10 Things I Wish I Knew Before Vibe CodingPageRank in the Age of AIEuropean WeaknessWise shareholders back plan to move listing from the UK to the USAIAs Anthropic goes, so goes the generative AI trade, says Big Technology's Alex Kantrowitza16z GP, Martin Casado: Anthropic vs OpenAI & Why Open Source is a National Security Risk with ChinaBalaji Srinivasan: How AI Will Change Politics, War, and MoneyAI that was inevitableIconiq set to lead $5bn funding round for AI start-up AnthropicThe Evolution of AI Agents: Navigating the “Fog of AI” in Rapidly Changing Foundations | Stanislas Polu and Harrison ChaseWhat will it take for robotaxis to go global?The AI SDR Reality Check: How To Actually Make It WorkOpenAI's IMO Team on Why Models Are Finally Solving Elite-Level Math#259: Why Data Is the StackGoogle Lands $1.2 Billion Cloud Contract From ServiceNowPew Study: Google Users Click Less When AI Summaries Appear in Search ResultsLoveable and Replit Both Hit $100M ARR in Record Time. The Vibe Coding TAM: How Big Can This Market Really Get?New AI architecture delivers 100x faster reasoning than LLMs with just 1,000 training examplesTesla signs a $16.5 billion chip contract with Samsung ElectronicsThe Making Of Dario AmodeiChinese TechKimiChina's AI Gambit: Code as StandardsHow Hangzhou Spawned Deepseek and UnitreeZhipu crushing benchmarksXi Jinping is the main thing holding China backChina Prepares to Unseat US in Fight for $4.8 Trillion AI MarketMediaNew Media: Podcasts, Politics & the Collapse of TrustIPOFigma's Auction-Like IPO Set Up to Capitalize on Strong DemandEducationWhy You Should Still Study Computer ScienceInterview of the Week"AI Is Too Busy to Take Your Job: The Electrifying Truth about our AIgorithmic FutureRegulationBoston city council members introduce a bill to require drivers in WaymosM & APalo Alto Networks agrees $25bn takeover of CyberArk This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit www.thatwastheweek.com/subscribe

What We Cover In This Episode: How to adapt your studio's schedule and offerings to meet the specific needs and routines of parents and teachers returning to their structured lives [5:08] Effective strategies to help clients build lasting habits throughout September, ensuring long-term retention [6:35] Ways to craft "welcome back" emails with special class challenges or limited-time offers to re-ignite client interest for the fall season [10:41] How to use back-to-school specials to offer targeted discounts or bonus class packs specifically for teachers, parents, and students [13:07] What an optimized afternoon class schedule will allow you to do with the Fall rush [14:19] Ideas for forging collaborations with local schools and PTAs that will help you reach parents and teachers directly [14:46] Compelling self-care social campaigns that will set you up for success this Fall [15:00]  What to keep in mind with the benefits of offering youth sports preseason and school programs [15:57] Quotes: “Regardless of whether people are a parent, a teacher or just living their best solo life over the summer, summer throws us all off. We want to eat, we want to drink, we want to tan. We don't want to wake up for that 5 AM alarm clock to get to our sessions.” [Nick, 7:34] “If you develop consistency in these people's lives through the month of September it is going to carry them, because if they can do a whole 30 days of consistency, especially coming off of the slugs that we become by the end of summer, they are just going to feel so much better remember, and that is because of you.” [Nick,11:50]   “It's almost like creating referrals. You don't create referrals because you want to create referrals, you create referrals because you create an amazing experience, and those people want to share with their friends that experience.” [Nick, 20:49]   LINKS:  Learn More About All of Our Partners & Get Exclusive Offers Visit the fitDEGREE Knowledge Base Send Megan Your Playlist or Discuss the Podcast Here!  fitDEGREE's Business Portal https://calendly.com/fitdegree-support  support@fitDEGREE.com https://www.instagram.com/fitdegree/ ​​https://www.instagram.com/fitspot_guru/  https://www.fitdegree.com/blog  https://www.youtube.com/channel/UChJ5rK6zWPXjbxtUQx3ys9Q https://www.tiktok.com/@megan_fitdegree  

REDBLACKS linebacker Jovan Santos-Knox speaks to the media ahead of facing the Stamps at TD Place

In this episode of The Elk Hunt Podcast, Cody Rich sits down with Dan Pickar of Eastmans Journal, an experienced elk hunter who shares an unforgettable hunt in Alaska, strategies for maximizing elk encounters, and his insights into making the most of limited opportunities. From private / public land dynamics, Dan dives into the art of elk hunting—how to stay patient, how to make the most of your gear and time, and how to use past failures to fuel future success. Whether you're an aspiring elk hunter or a seasoned pro, this episode is packed with useful tactics and personal stories that will get you fired up for the upcoming season.Want to win a new Stone Glacier Sky Archer 6400, and Schnee's Timberline Boots? Get entered before August 21st. If you are a member you are already entered! Monster Archery Bull! A Bow Hunting Dream | Eastmans' Beyond the Grid: https://www.youtube.com/watch?v=HyAtX64nOd4Learn From Elk Collective:https://eastmans.com/courses/the-elk-collective/ Time Stamps: 0:00 – 3:00: Introduction to Dan and Alaska adventure 3:01 – 8:30: Packing and preparing for the hunt, the importance of being prepared 8:31 – 13:00: The elk hunt experience – private land vs. public land 13:01 – 18:00: The impact of resourcefulness and networking in hunting 18:01 – 23:00: The value of being a good person in the hunting community 23:01 – 28:00: Capitalizing on small opportunities – hunting tips from Dan's experience 28:01 – 33:00: A deep dive into elk calling, strategy, and understanding elk behavior 33:01 – 38:00: The importance of being prepared and acting fast during elk hunts 38:01 – 45:00: Mistakes made during hunts and the lessons learned 45:01 – 51:00: The concept of hunting “angry” and finding balance in your approach 51:01 – 56:00: Applying knowledge, the Elk Collective, and maximizing your hunting potential Key Takeaways: The Importance of Patience and Persistence: Dan emphasizes the necessity of being patient and calculated in elk hunting. He explains that many hunters often rush, but the key to success lies in taking time, understanding elk behavior, and waiting for the right moment to act. The Role of Networking and Resourcefulness: Success in elk hunting isn't just about your skills—it's about being connected. Dan stresses the importance of networking within the hunting community, sharing information, and being resourceful to find the best opportunities, especially in private and public land hunts. Capitalizing on the 1% Window: One of the most crucial skills in elk hunting is knowing when to make the move. Dan talks about how successful hunts often come down to small, fleeting opportunities. The ability to recognize these moments and take action within seconds separates the good hunters from the great ones. Stone Glacier – Gear Up for the Backcountry Stone Glacier is built for hunters and adventurers who demand the highest level of performance and durability. From backcountry hunting to alpine climbing, our gear is designed to withstand the toughest conditions and perform when you need it most. With Stone Glacier, you're not just buying gear; you're investing in the next level of outdoor performance. Why Stone Glacier? Lightweight Durability: Our packs, gear, and apparel are crafted for maximum durability while keeping weight to a minimum. Engineered for Comfort: Every item is designed to provide the best fit and function, ensuring your comfort during long days in the field. Field-Tested: Built by hunters for hunters. Our gear is tested in the harshest conditions by experts who demand the best. When the wilderness calls, be ready. Explore Stone Glacier and equip yourself with the gear that will carry you further. Elevate Your Hunting Game with Tricer Tripods When it comes to hunting, stability is key. With Tricer Tripods, you get unmatched precision and durability for those critical shots. Whether you're glassing distant terrain or setting up for a shot, Tricer's lightweight, ultra-stable tripods give you the edge you need. Exclusive Offer: Use code TRO to get 10% off your next purchase! Ready to take your hunt to the next level? Don't settle for anything less than the best – Tricer Tripods, the choice of hunters who demand precision.

Brock and Salk react to the sound from Jeff Passan regarding his belief in the Mariners being aggressive at the trade deadline. They then welcome on Joel Klatt of FOX Sports to discuss college quarterbacks, Sam Darnold, UW and more. In Blue 88, Brock dives in on the reality of teams that win at the highest level in college football, Good News, Bad News, No News regarding Seahawks training camp and takeaways from watching the Quarterback Netflix documentary.

Brock and Salk debate why the national media has consistently been so down on the Seahawks all offseason, and they wonder if part of it has to do with the defense being the strength over the offense, which isn't as flashy. Then, they react to Jeff Passan stating how the Mariners can't waste a season like Cal Raleigh has had and discuss what a successful trade deadline could look like so they avoid just that. They also spend a few minutes on how Randy Arozarena hasn't received enough appreciation for the impact that he's made.

The FF Dynasty, Season 9, Episode 59: Casey + @Chev90 run through 8 Rookies whose Hype is Skyrocketing, and debate whether you should liquidate assets or pay the price -- Pat Bryant Brashard Smith Don'te Thornton Jr. Harold Fannin Jr. Jalen Royals Orande Gadsden Jr. Tory Horton -- Free ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Patreon⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ + ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Discord⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ 5 Star Contest ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Twitter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Insta⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠TikTok⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ --

n this episode of the Note Closers Show, we dive deep into the top 100 real estate markets and uncover potential shifts that could create both challenges and incredible opportunities for investors! Join us as we analyze market trends, discuss strategies for navigating potential downturns, and identify key areas where you can capitalize on distressed debt and undervalued assets.What You'll Discover:Exclusive Market Analysis:Dive deep into the top 100 real estate markets and what the future could hold.Cape Coral Under the Microscope:Discussion on the challenges and opportunities in one of the hardest hit areas in the USA.ReVenture App Insights:Explore the data-driven approach to real estate analysis using Nick Gurley's ReVenture app to identify emerging trends.Understanding Key Metrics:Learn how to interpret home price forecasts, home value growth, overvalued percentages, value-income ratios, and price cut percentages.Florida Market Dynamics:Uncover the factors impacting the Florida real estate market, including insurance costs, hurricane risks, and investment strategies.Doom & Gloom vs. Opportunity:Address the potential "doom and gloom" scenarios while highlighting strategic approaches for turning market corrections into investment wins.Note Investing Strategies:Explore the advantages of note investing in distressed markets, buying below retail, and capitalizing on foreclosures with greater flexibility.Identifying Distressed Markets:Guidance to identify areas with increasing distress, and insight to help to target undervalued assets and distressed debt.Real-World Example:Analysis of a property in Aransas Pass, Texas, to illustrate the importance of accurate comp analysis and understanding market dynamics.Actionable Takeaways:Monitor Market Changes: Keep a close eye on emerging market trends and adjust investment strategies accordingly.Assess Risk Factors: Understand the impact of insurance costs and environmental risks when investing in certain areas like Florida.Seek Expert Advice: Consult with insurance companies, real estate professionals, and note investors to gain comprehensive insights.Capitalize on Opportunity: Position yourself to capitalize on market corrections by identifying distressed assets, offering creative solutions, and exploring alternative investment strategies.Don't miss out on these invaluable insights that can help you navigate today's real estate market and position yourself for success. Watch now!Watch the Original VIDEO HERE!Book a Call With Scott HERE!Sign up for the next FREE One-Day Note Class HERE!Sign up for the WCN Membership HERE!Sign up for the next Note Buying For Dummies Workshop HERE!Love the show? Subscribe, rate, review, and share!Here's How »Join the Note Closers Show community today:WeCloseNotes.comThe Note Closers Show FacebookThe Note Closers Show TwitterScott Carson LinkedInThe Note Closers Show YouTubeThe Note Closers Show VimeoThe Note Closers Show InstagramWe Close Notes PinterestGet signed up for the Next Virtual Note Buying Workshop Now!

The powerful request tool Content Snare https://contentsnare.com/Horomozi's $100M Offers Book https://www.amazon.com/100M-Offers-People-Stupid-Saying/dp/173747574X?sr=8-3

These are the jingles of a generation people! We are here to rank them and decide the best of the best! And we are here to CAPITALIZE on Capitalism!

Lindsey Lee, senior director, Family & Kids Yogurt at Danone North America, joins the podcast to discuss the Snack Hero campaign that the Danimals brand embarked upon earlier this summer and how it worked to keep the brand top of mind for parents looking for snacks for their kids. Lee also took the time to share her insights into the trends driving the kids yogurt and snacks today, digging deep into the normalization of drinkable formats and the flavor trends when it comes to consumption preferences of some of the pickiest eaters among consumers.

This week's headline reads like a financial horror story — and unfortunately, it's a true one.

My fellow pro-growth/progress/abundance Up Wingers,Once-science-fiction advancements like AI, gene editing, and advanced biotechnology have finally arrived, and they're here to stay. These technologies have seemingly set us on a course towards a brand new future for humanity, one we can hardly even picture today. But progress doesn't happen overnight, and it isn't the result of any one breakthrough.As Jamie Metzl explains in his new book, Superconvergence: How the Genetics, Biotech, and AI Revolutions will Transform our Lives, Work, and World, tech innovations work alongside and because of one another, bringing about the future right under our noses.Today on Faster, Please! — The Podcast, I chat with Metzl about how humans have been radically reshaping the world around them since their very beginning, and what the latest and most disruptive technologies mean for the not-too-distant future.Metzl is a senior fellow of the Atlantic Council and a faculty member of NextMed Health. He has previously held a series of positions in the US government, and was appointed to the World Health Organization's advisory committee on human genome editing in 2019. He is the author of several books, including two sci-fi thrillers and his international bestseller, Hacking Darwin.In This Episode* Unstoppable and unpredictable (1:54)* Normalizing the extraordinary (9:46)* Engineering intelligence (13:53)* Distrust of disruption (19:44)* Risk tolerance (24:08)* What is a “newnimal”? (13:11)* Inspired by curiosity (33:42)Below is a lightly edited transcript of our conversation. Unstoppable and unpredictable (1:54)The name of the game for all of this . . . is to ask “What are the things that we can do to increase the odds of a more positive story and decrease the odds of a more negative story?”Pethokoukis: Are you telling a story of unstoppable technological momentum or are you telling a story kind of like A Christmas Carol, of a future that could be if we do X, Y, and Z, but no guarantees?Metzl: The future of technological progress is like the past: It is unstoppable, but that doesn't mean it's predetermined. The path that we have gone over the last 12,000 years, from the domestication of crops to building our civilizations, languages, industrialization — it's a bad metaphor now, but — this train is accelerating. It's moving faster and faster, so that's not up for grabs. It is not up for grabs whether we are going to have the capacities to engineer novel intelligence and re-engineer life — we are doing both of those things now in the early days.What is up for grabs is how these revolutions will play out, and there are better and worse scenarios that we can imagine. The name of the game for all of this, the reason why I do the work that I do, why I write the books that I write, is to ask “What are the things that we can do to increase the odds of a more positive story and decrease the odds of a more negative story?”Progress has been sort of unstoppable for all that time, though, of course, fits and starts and periods of stagnation —— But when you look back at those fits and starts — the size of the Black Plague or World War II, or wiping out Berlin, and Dresden, and Tokyo, and Hiroshima, and Nagasaki — in spite of all of those things, it's one-directional. Our technologies have gotten more powerful. We've developed more capacities, greater ability to manipulate the world around us, so there will be fits and starts but, as I said, this train is moving. That's why these conversations are so important, because there's so much that we can, and I believe must, do now.There's a widely held opinion that progress over the past 50 years has been slower than people might have expected in the late 1960s, but we seem to have some technologies now for which the momentum seems pretty unstoppable.Of course, a lot of people thought, after ChatGPT came out, that superintelligence would happen within six months. That didn't happen. After CRISPR arrived, I'm sure there were lots of people who expected miracle cures right away.What makes you think that these technologies will look a lot different, and our world will look a lot different than they do right now by decade's end?They certainly will look a lot different, but there's also a lot of hype around these technologies. You use the word “superintelligence,” which is probably a good word. I don't like the words “artificial intelligence,” and I have a six-letter framing for what I believe about AGI — artificial general intelligence — and that is: AGI is BS. We have no idea what human intelligence is, if we define our own intelligence so narrowly that it's just this very narrow form of thinking and then we say, “Wow, we have these machines that are mining the entirety of digitized human cultural history, and wow, they're so brilliant, they can write poems — poems in languages that our ancestors have invented based on the work of humans.” So we humans need to be very careful not to belittle ourselves.But we're already seeing, across the board, if you say, “Is CRISPR on its own going to fundamentally transform all of life?” The answer to that is absolutely no. My last book was about genetic engineering. If genetic engineering is a pie, genome editing is a slice and CRISPR is just a tiny little sliver of that slice. But the reason why my new book is called Superconvergence, the entire thesis is that all of these technologies inspire, and influence, and are embedded in each other. We had the agricultural revolution 12,000 years ago, as I mentioned. That's what led to these other innovations like civilization, like writing, and then the ancient writing codes are the foundation of computer codes which underpin our machine learning and AI systems that are allowing us to unlock secrets of the natural world.People are imagining that AI equals ChatGPT, but that's really not the case (AI equals ChatGPT like electricity equals the power station). The story of AI is empowering us to do all of these other things. As a general-purpose technology, already AI is developing the capacity to help us just do basic things faster. Computer coding is the archetypal example of that. Over the last couple of years, the speed of coding has improved by about 50 percent for the most advanced human coders, and as we code, our coding algorithms are learning about the process of coding. We're just laying a foundation for all of these other things.That's what I call “boring AI.” People are imagining exciting AI, like there's a magic AI button and you just press it and AI cures cancer. That's not how it's going to work. Boring AI is going to be embedded in human resource management. It's going to be embedded just giving us a lot of capabilities to do things better, faster than we've done them before. It doesn't mean that AIs are going to replace us. There are a lot of things that humans do that machines can just do better than we are. That's why most of us aren't doing hunting, or gathering, or farming, because we developed machines and other technologies to feed us with much less human labor input, and we have used that reallocation of our time and energy to write books and invent other things. That's going to happen here.The name of the game for us humans, there's two things: One is figuring out what does it mean to be a great human and over-index on that, and two, lay the foundation so that these multiple overlapping revolutions, as they play out in multiple fields, can be governed wisely. That is the name of the game. So when people say, “Is it going to change our lives?” I think people are thinking of it in the wrong way. This shirt that I'm wearing, this same shirt five years from now, you'll say, “Well, is there AI in your shirt?” — because it doesn't look like AI — and what I'm going to say is “Yes, in the manufacturing of this thread, in the management of the supply chain, in figuring out who gets to go on vacation, when, in the company that's making these buttons.” It's all these little things. People will just call it progress. People are imagining magic AI, all of these interwoven technologies will just feel like accelerating progress, and that will just feel like life.Normalizing the extraordinary (9:46)20, 30 years ago we didn't have the internet. I think things get so normalized that this just feels like life.What you're describing is a technology that economists would call a general-purpose technology. It's a technology embedded in everything, it's everywhere in the economy, much as electricity.What you call “boring AI,” the way I think about it is: I was just reading a Wall Street Journal story about Applebee's talking about using AI for more efficient customer loyalty programs, and they would use machine vision to look at their tables to see if they were cleaned well enough between customers. That, to people, probably doesn't seem particularly science-fictional. It doesn't seem world-changing. Of course, faster growth and a more productive economy is built on those little things, but I guess I would still call those “boring AI.”What to me definitely is not boring AI is the sort of combinatorial aspect that you're talking about where you're talking about AI helping the scientific discovery process and then interweaving with other technologies in kind of the classic Paul Romer combinatorial way.I think a lot of people, if they look back at their lives 20 or 30 years ago, they would say, “Okay, more screen time, but probably pretty much the same.”I don't think they would say that. 20, 30 years ago we didn't have the internet. I think things get so normalized that this just feels like life. If you had told ourselves 30 years ago, “You're going to have access to all the world's knowledge in your pocket.” You and I are — based on appearances, although you look so youthful — roughly the same age, so you probably remember, “Hurry, it's long distance! Run down the stairs!”We live in this radical science-fiction world that has been normalized, and even the things that you are mentioning, if you see open up your newsfeed and you see that there's this been incredible innovation in cancer care, and whether it's gene therapy, or autoimmune stuff, or whatever, you're not thinking, “Oh, that was AI that did that,” because you read the thing and it's like “These researchers at University of X,” but it is AI, it is electricity, it is agriculture. It's because our ancestors learned how to plant seeds and grow plants where you're stationed and not have to do hunting and gathering that you have had this innovation that is keeping your grandmother alive for another 10 years.What you're describing is what I call “magical AI,” and that's not how it works. Some of the stuff is magical: the Jetsons stuff, and self-driving cars, these things that are just autopilot airplanes, we live in a world of magical science fiction and then whenever something shows up, we think, “Oh yeah, no big deal.” We had ChatGPT, now ChatGPT, no big deal?If you had taken your grandparents, your parents, and just said, “Hey, I'm going to put you behind a screen. You're going to have a conversation with something, with a voice, and you're going to do it for five hours,” and let's say they'd never heard of computers and it was all this pleasant voice. In the end they said, “You just had a five-hour conversation with a non-human, and it told you about everything and all of human history, and it wrote poems, and it gave you a recipe for kale mush or whatever you're eating,” you'd say, “Wow!” I think that we are living in that sci-fi world. It's going to get faster, but every innovation, we're not going to say, “Oh, AI did that.” We're just going to say, “Oh, that happened.”Engineering intelligence (13:53)I don't like the word “artificial intelligence” because artificial intelligence means “artificial human intelligence.” This is machine intelligence, which is inspired by the products of human intelligence, but it's a different form of intelligence . . .I sometimes feel in my own writing, and as I peruse the media, like I read a lot more about AI, the digital economy, information technology, and I feel like I certainly write much less about genetic engineering, biotechnology, which obviously is a key theme in your book. What am I missing right now that's happening that may seem normal five years from now, 10 years, but if I were to read about it now or understand it now, I'd think, “Well, that is kind of amazing.”My answer to that is kind of everything. As I said before, we are at the very beginning of this new era of life on earth where one species, among the billions that have ever lived, suddenly has the increasing ability to engineer novel intelligence and re-engineer life.We have evolved by the Darwinian processes of random mutation and natural selection, and we are beginning a new phase of life, a new Cambrian Revolution, where we are creating, certainly with this novel intelligence that we are birthing — I don't like the word “artificial intelligence” because artificial intelligence means “artificial human intelligence.” This is machine intelligence, which is inspired by the products of human intelligence, but it's a different form of intelligence, just like dolphin intelligence is a different form of intelligence than human intelligence, although we are related because of our common mammalian route. That's what's happening here, and our brain function is roughly the same as it's been, certainly at least for tens of thousands of years, but the AI machine intelligence is getting smarter, and we're just experiencing it.It's become so normalized that you can even ask that question. We live in a world where we have these AI systems that are just doing more and cooler stuff every day: driving cars, you talked about discoveries, we have self-driving laboratories that are increasingly autonomous. We have machines that are increasingly writing their own code. We live in a world where machine intelligence has been boxed in these kinds of places like computers, but very soon it's coming out into the world. The AI revolution, and machine-learning revolution, and the robotics revolution are going to be intersecting relatively soon in meaningful ways.AI has advanced more quickly than robotics because it hasn't had to navigate the real world like we have. That's why I'm always so mindful of not denigrating who we are and what we stand for. Four billion years of evolution is a long time. We've learned a lot along the way, so it's going to be hard to put the AI and have it out functioning in the world, interacting in this world that we have largely, but not exclusively, created.But that's all what's coming. Some specific things: 30 years from now, my guess is many people who are listening to this podcast will be fornicating regularly with robots, and it'll be totally normal and comfortable.. . . I think some people are going to be put off by that.Yeah, some people will be put off and some people will be turned on. All I'm saying is it's going to be a mix of different —Jamie, what I would like to do is be 90 years old and be able to still take long walks, be sharp, not have my knee screaming at me. That's what I would like. Can I expect that?I think this can help, but you have to decide how to behave with your personalized robot.That's what I want. I'm looking for the achievement of human suffering. Will there be a world of less human suffering?We live in that world of less human suffering! If you just look at any metric of anything, this is the best time to be alive, and it's getting better and better. . . We're living longer, we're living healthier, we're better educated, we're more informed, we have access to more and better food. This is by far the best time to be alive, and if we don't massively screw it up, and frankly, even if we do, to a certain extent, it'll continue to get better.I write about this in Superconvergence, we're moving in healthcare from our world of generalized healthcare based on population averages to precision healthcare, to predictive and preventive. In education, some of us, like myself, you have had access to great education, but not everybody has that. We're going to have access to fantastic education, personalized education everywhere for students based on their own styles of learning, and capacities, and native languages. This is a wonderful, exciting time.We're going to get all of those things that we can hope for and we're going to get a lot of things that we can't even imagine. And there are going to be very real potential dangers, and if we want to have the good story, as I keep saying, and not have the bad story, now is the time where we need to start making the real investments.Distrust of disruption (19:44)Your job is the disruption of this thing that's come before. . . stopping the advance of progress is just not one of our options.I think some people would, when they hear about all these changes, they'd think what you're telling them is “the bad story.”I just talked about fornicating with robots, it's the bad story?Yeah, some people might find that bad story. But listen, we live at an age where people have recoiled against the disruption of trade, for instance. People are very allergic to the idea of economic disruption. I think about all the debate we had over stem cell therapy back in the early 2000s, 2002. There certainly is going to be a certain contingent that, what they're going to hear what you're saying is: you're going to change what it means to be a human. You're going to change what it means to have a job. I don't know if I want all this. I'm not asking for all this.And we've seen where that pushback has greatly changed, for instance, how we trade with other nations. Are you concerned that that pushback could create regulatory or legislative obstacles to the kind of future you're talking about?All of those things, and some of that pushback, frankly, is healthy. These are fundamental changes, but those people who are pushing back are benchmarking their own lives to the world that they were born into and, in most cases, without recognizing how radical those lives already are, if the people you're talking about are hunter-gatherers in some remote place who've not gone through domestication of agriculture, and industrialization, and all of these kinds of things, that's like, wow, you're going from being this little hunter-gatherer tribe in the middle of Atlantis and all of a sudden you're going to be in a world of gene therapy and shifting trading patterns.But the people who are saying, “Well, my job as a computer programmer, as a whatever, is going to get disrupted,” your job is the disruption. Your job is the disruption of this thing that's come before. As I said at the start of our conversation, stopping the advance of progress is just not one of our options.We could do it, and societies have done it before, and they've lost their economies, they've lost their vitality. Just go to Europe, Europe is having this crisis now because for decades they saw their economy and their society, frankly, as a museum to the past where they didn't want to change, they didn't want to think about the implications of new technologies and new trends. It's why I am just back from Italy. It's wonderful, I love visiting these little farms where they're milking the goats like they've done for centuries and making cheese they've made for centuries, but their economies are shrinking with incredible rapidity where ours and the Chinese are growing.Everybody wants to hold onto the thing that they know. It's a very natural thing, and I'm not saying we should disregard those views, but the societies that have clung too tightly to the way things were tend to lose their vitality and, ultimately, their freedom. That's what you see in the war with Russia and Ukraine. Let's just say there are people in Ukraine who said, “Let's not embrace new disruptive technologies.” Their country would disappear.We live in a competitive world where you can opt out like Europe opted out solely because they lived under the US security umbrella. And now that President Trump is threatening the withdrawal of that security umbrella, Europe is being forced to race not into the future, but to race into the present.Risk tolerance (24:08). . . experts, scientists, even governments don't have any more authority to make these decisions about the future of our species than everybody else.I certainly understand that sort of analogy, and compared to Europe, we look like a far more risk-embracing kind of society. Yet I wonder how resilient that attitude — because obviously I would've said the same thing maybe in 1968 about the United States, and yet a decade later we stopped building nuclear reactors — I wonder how resilient we are to anything going wrong, like something going on with an AI system where somebody dies. Or something that looks like a cure that kills someone. Or even, there seems to be this nuclear power revival, how resilient would that be to any kind of accident? How resilient do you think are we right now to the inevitable bumps along the way?It depends on who you mean by “we.” Let's just say “we” means America because a lot of these dawns aren't the first ones. You talked about gene therapy. This is the second dawn of gene therapy. The first dawn came crashing into a halt in 1999 when a young man at the University of Pennsylvania died as a result of an error carried out by the treating physicians using what had seemed like a revolutionary gene therapy. It's the second dawn of AI after there was a lot of disappointment. There will be accidents . . .Let's just say, hypothetically, there's an accident . . . some kind of self-driving car is going to kill somebody or whatever. And let's say there's a political movement, the Luddites that is successful, and let's just say that every self-driving car in America is attacked and destroyed by mobs and that all of the companies that are making these cars are no longer able to produce or deploy those cars. That's going to be bad for self-driving cars in America — it's not going to be bad for self-driving cars. . . They're going to be developed in some other place. There are lots of societies that have lost their vitality. That's the story of every empire that we read about in history books: there was political corruption, sclerosis. That's very much an option.I'm a patriotic American and I hope America leads these revolutions as long as we can maintain our values for many, many centuries to come, but for that to happen, we need to invest in that. Part of that is investing now so that people don't feel that they are powerless victims of these trends they have no influence over.That's why all of my work is about engaging people in the conversation about how do we deploy these technologies? Because experts, scientists, even governments don't have any more authority to make these decisions about the future of our species than everybody else. What we need to do is have broad, inclusive conversations, engage people in all kinds of processes, including governance and political processes. That's why I write the books that I do. That's why I do podcast interviews like this. My Joe Rogan interviews have reached many tens of millions of people — I know you told me before that you're much bigger than Joe Rogan, so I imagine this interview will reach more than that.I'm quite aspirational.Yeah, but that's the name of the game. With my last book tour, in the same week I spoke to the top scientists at Lawrence Livermore National Laboratory and the seventh and eighth graders at the Solomon Schechter Hebrew Academy of New Jersey, and they asked essentially the exact same questions about the future of human genetic engineering. These are basic human questions that everybody can understand and everybody can and should play a role and have a voice in determining the big decisions and the future of our species.To what extent is the future you're talking about dependent on continued AI advances? If this is as good as it gets, does that change the outlook at all?One, there's no conceivable way that this is as good as it gets because even if the LLMs, large language models — it's not the last word on algorithms, there will be many other philosophies of algorithms, but let's just say that LLMs are the end of the road, that we've just figured out this one thing, and that's all we ever have. Just using the technologies that we have in more creative ways is going to unleash incredible progress. But it's certain that we will continue to have innovations across the field of computer science, in energy production, in algorithm development, in the ways that we have to generate and analyze massive data pools. So we don't need any more to have the revolution that's already started, but we will have more.Politics always, ultimately, can trump everything if we get it wrong. But even then, even if . . . let's just say that the United States becomes an authoritarian, totalitarian hellhole. One, there will be technological innovation like we're seeing now even in China, and two, these are decentralized technologies, so free people elsewhere — maybe it'll be Europe, maybe it'll be Africa or whatever — will deploy these technologies and use them. These are agnostic technologies. They don't have, as I said at the start, an inevitable outcome, and that's why the name of the game for us is to weave our best values into this journey.What is a “newnimal”? (30:11). . . we don't live in a state of nature, we live in a world that has been massively bio-engineered by our ancestors, and that's just the thing that we call life.When I was preparing for this interview and my research assistant was preparing, I said, “We have to have a question about bio-engineered new animals.” One, because I couldn't pronounce your name for these . . . newminals? So pronounce that name and tell me why we want these.It's a made up word, so you can pronounce it however you want. “Newnimals” is as good as anything.We already live in a world of bio-engineered animals. Go back 50,000 years, find me a dog, find me a corn that is recognizable, find me rice, find me wheat, find me a cow that looks remotely like the cow in your local dairy. We already live in that world, it's just people assume that our bioengineered world is some kind of state of nature. We already live in a world where the size of a broiler chicken has tripled over the last 70 years. What we have would have been unrecognizable to our grandparents.We are already genetically modifying animals through breeding, and now we're at the beginning of wanting to have whatever those same modifications are, whether it's producing more milk, producing more meat, living in hotter environments and not dying, or whatever it is that we're aiming for in these animals that we have for a very long time seen not as ends in themselves, but means to the alternate end of our consumption.We're now in the early stages xenotransplantation, modifying the hearts, and livers, and kidneys of pigs so they can be used for human transplantation. I met one of the women who has received — and seems to so far to be thriving — a genetically modified pig kidney. We have 110,000 people in the United States on the waiting list for transplant organs. I really want these people not just to survive, but to survive and thrive. That's another area we can grow.Right now . . . in the world, we slaughter about 93 billion land animals per year. We consume 200 million metric tons of fish. That's a lot of murder, that's a lot of risk of disease. It's a lot of deforestation and destruction of the oceans. We can already do this, but if and when we can grow bioidentical animal products at scale without having all of these negative externalities of whether it's climate change, environmental change, cruelty, deforestation, increased pandemic risk, what a wonderful thing to do!So we have these technologies and you mentioned that people are worried about them, but the reason people are worried about them is they're imagining that right now we live in some kind of unfettered state of nature and we're going to ruin it. But that's why I say we don't live in a state of nature, we live in a world that has been massively bio-engineered by our ancestors, and that's just the thing that we call life.Inspired by curiosity (33:42). . . the people who I love and most admire are the people who are just insatiably curious . . .What sort of forward thinkers, or futurists, or strategic thinkers of the past do you model yourself on, do you think are still worth reading, inspired you?Oh my God, so many, and the people who I love and most admire are the people who are just insatiably curious, who are saying, “I'm going to just look at the world, I'm going to collect data, and I know that everybody says X, but it may be true, it may not be true.” That is the entire history of science. That's Galileo, that's Charles Darwin, who just went around and said, “Hey, with an open mind, how am I going to look at the world and come up with theses?” And then he thought, “Oh s**t, this story that I'm coming up with for how life advances is fundamentally different from what everybody in my society believes and organizes their lives around.” Meaning, in my mind, that's the model, and there are so many people, and that's the great thing about being human.That's what's so exciting about this moment is that everybody has access to these super-empowered tools. We have eight billion humans, but about two billion of those people are just kind of locked out because of crappy education, and poor water sanitation, electricity. We're on the verge of having everybody who has a smartphone has the possibility of getting a world-class personalized education in their own language. How many new innovations will we have when little kids who were in slums in India, or in Pakistan, or in Nairobi, or wherever who have promise can educate themselves, and grow up and cure cancers, or invent new machines, or new algorithms. This is pretty exciting.The summary of the people from the past, they're kind of like the people in the present that I admire the most, are the people who are just insatiably curious and just learning, and now we have a real opportunity so that everybody can be their own Darwin.On sale everywhere The Conservative Futurist: How To Create the Sci-Fi World We Were PromisedMicro Reads▶ Economics* AI Hype Is Proving to Be a Solow's Paradox - Bberg Opinion* Trump Considers Naming Next Fed Chair Early in Bid to Undermine Powell - WSJ* Who Needs the G7? - PS* Advances in AI will boost productivity, living standards over time - Dallas Fed* Industrial Policy via Venture Capital - SSRN* Economic Sentiment and the Role of the Labor Market - St. Louis Fed▶ Business* AI valuations are verging on the unhinged - Economist* Nvidia shares hit record high on renewed AI optimism - FT* OpenAI, Microsoft Rift Hinges on How Smart AI Can Get - WSJ* Takeaways From Hard Fork's Interview With OpenAI's Sam Altman - NYT* Thatcher's legacy endures in Labour's industrial strategy - FT* Reddit vows to stay human to emerge a winner from artificial intelligence - FT▶ Policy/Politics* Anthropic destroyed millions of print books to build its AI models - Ars* Don't Let Silicon Valley Move Fast and Break Children's Minds - NYT Opinion* Is DOGE doomed to fail? Some experts are ready to call it. - Ars* The US is failing its green tech ‘Sputnik moment' - FT▶ AI/Digital* Future of Work with AI Agents: Auditing Automation and Augmentation Potential across the U.S. Workforce - Arxiv* Is the Fed Ready for an AI Economy? - WSJ Opinion* How Much Energy Does Your AI Prompt Use? I Went to a Data Center to Find Out. - WSJ* Meta Poaches Three OpenAI Researchers - WSJ* AI Agents Are Getting Better at Writing Code—and Hacking It as Well - Wired* Exploring the Capabilities of the Frontier Large Language Models for Nuclear Energy Research - Arxiv▶ Biotech/Health* Google's new AI will help researchers understand how our genes work - MIT* Does using ChatGPT change your brain activity? Study sparks debate - Nature* We cure cancer with genetic engineering but ban it on the farm. - ImmunoLogic* ChatGPT and OCD are a dangerous combo - Vox▶ Clean Energy/Climate* Is It Too Soon for Ocean-Based Carbon Credits? - Heatmap* The AI Boom Can Give Rooftop Solar a New Pitch - Bberg Opinion▶ Robotics/Drones/AVs* Tesla's Robotaxi Launch Shows Google's Waymo Is Worth More Than $45 Billion - WSJ* OpenExo: An open-source modular exoskeleton to augment human function - Science Robotics▶ Space/Transportation* Bezos and Blue Origin Try to Capitalize on Trump-Musk Split - WSJ* Giant asteroid could crash into moon in 2032, firing debris towards Earth - The Guardian▶ Up Wing/Down Wing* New Yorkers Vote to Make Their Housing Shortage Worse - WSJ* We Need More Millionaires and Billionaires in Latin America - Bberg Opinion▶ Substacks/Newsletters* Student visas are a critical pipeline for high-skilled, highly-paid talent - AgglomerationsState Power Without State Capacity - Breakthrough JournalFaster, Please! is a reader-supported publication. To receive new posts and support my work, consider becoming a free or paid subscriber. This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit fasterplease.substack.com/subscribe

Two weeks ago, I published a conversation with Russell Harvey. We talked about his work and, specifically, his belief that resilience can mean more than simply bouncing back but springing forward – with learning.  He brought up the idea of building on your strengths.  Fundamentally, we are likely to be doing something well. Quite a few episodes ago, I talked about playing to your strengths. Now, with Russell's inspiration, I encourage you to not only recognize your strengths, but to build on them. Use them more often. Use them even sooner, when it seems warranted. Explore them more deeply. Capitalize on what you are doing well.Do you have comments or suggestions about a topic or guest? An idea or question about conflict management or conflict resolution? Let me know at jb@dovetailresolutions.com! And you can learn more about me and my work as a mediator and a Certified CINERGY® Conflict Coach at www.dovetailresolutions.com and https://www.linkedin.com/in/janebeddall/.Enjoy the show for free on your favorite podcast app or on the podcast website: https://craftingsolutionstoconflict.com/ 

7-8am Hour 2 - Jeremy White and Joe DiBiase talk about the Sabres offseason as the NHL Draft approaches. They talk about the Sabres recent trade history and discuss the ways that the team can get maximum value from a trade and acquire the best player in a trade for once.

Bud Elliott sits down with Cardinal Authority's Jody Demling to preview Louisville's 2025 season.  (00:00:00) - Intro (00:01:00) - Vibe Heading Into 2025  (00:02:40) - Miller Moss (00:05:45) - Wide Receivers  (00:08:00) - Running Game  (00:09:50) - Offensive Name To Know   (00:12:20) - Defensive Changes   (00:14:08) - Secondary  (00:17:16) - 2025 Expectations  Cover 3 is available on Apple Podcasts, Spotify and wherever else you listen to podcasts.  Visit the betting arena on CBSSports.com for all the latest in sportsbook reviews and sportsbook promos for betting on college football. Watch Cover 3 on YouTube: https://www.youtube.com/cover3 Follow our hosts on Twitter: @Chip_Patterson, @TomFornelli, @DannyKanell, @BudElliott3 For more college football coverage from CBS Sports, visit https://www.cbssports.com/college-football/ To hear more from the CBS Sports Podcast Network, visit https://www.cbssports.com/podcasts/ To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

Mike and Chris close out the show with final thoughts on their conversation with Alex Anthopoulos and continue to discuss how the Braves have to close out their remaining 10 straight division games in a strong manner.

▶SHE HID THIS FROM US THE WHOLE TIME!!! She OWES THE IRS and is going to go to a festival instead of paying her taxes... I'M DYING IN THIS POST SHOW Watch here: https://www.youtube.com/channel/UCLe_q9axMaeTbjN0hy1Z9xA/join ▶▶Download my *budgeting app* today: *Apple:* https://apple.co/4iChGhr *Google Play:* https://bit.ly/sb-googleplay Don't overcomplicate this crap! All you need is an automated / SIMPLE budget. This comes with automatic account connections, my budget-friendly cookbook, an online community, and exclusive discounts on my products- change your financial future *NOW* ▶▶▶ *AND REMEMBER* those who sign up for Simpler Budget Premium *annual* get a signed versions of the Cook Book and Simpler Budget Founders Edition Journal, just send proof of annual here: https://tally.so/r/3xzPq5 Roll over your 401(k) at https://hicapitalize.com/caleb and see site for full terms. This video is sponsored by Capitalize! #sponsored  @hiCapitalize  Use Yrefy to refinance your private student loans today at: https://yrefy.com/hammer or call (888) Yrefy-78 Download the free e-book “Navigating Global Trade: 3 Insights for Leaders” at https://netsuite.com/HAMMER Get an exclusive HighLevel 30-day trial: https://saaspreneur.com/calebhammer ▶▶▶ ▶ You can still take advantage of our Memorial Day Sale—get 30% off the Master Your Money Bundle at https://calebhammer.com/classpack/ or grab any individual course from the Master Series for 20% off here: https://bit.ly/master-courses ▶ Watch this episode's *POST* *SHOW* + get *MORE* Financial Audit here: https://www.youtube.com/channel/UCLe_q9axMaeTbjN0hy1Z9xA/join ___________________________________________ ▶EDUCATION: 1. Bundle my budgeting, debt, investing and real estate program for *30% off* https://calebhammer.com/classpack/ 2. *Our budgeting program *20% off*: https://calebhammer.com/budget 3. Our investing class and I'll give you a $100 towards investing *20% off*: https://calebhammer.com/investing 4. Win with GOOD debt and get out of BAD debt correctly, learn how *20% off*: https://calebhammer.com/formula 5. Everything you need for buying your first home to buy your first investment property *20% off*: https://calebhammer.com/realestate/ 6. Get your own free Hammer Financial Score: https://www.calebhammer.com ___________________________________________ ▶RESOURCES 1. Checking & Savings: Get up to 3.80% APY, pay no account fees, and earn up to $300 when you sign up and set up direct deposits. Terms apply: https://creator.sofi.com/c/5535481/2068695/19219?adcampaignid=bank&adnetwork=brand *affiliate link 2. CourseCareers: Land a high-paying job with no experience or degree by going through an affordable online course https://coursecareers.com/CalebHammer 3. Get $20 from Acorns for free: sign up to get your bonus https://acorns.com/caleb 4. Get an exclusive HighLevel 30-day trial: https://gohighlevel.com/calebhammer 5. The credit building debit card: First 100,000 people to sign up for Fizz with code: HAMMER10 get $10: https://www.joinfizz.com/caleb (paid ad) 6. Helium Mobile: save a ton on your phone bill, sign up and get a FREE plan when using promo code CALEB https://hellohelium.com/ 7. Online security: Protect your online privacy and security NOW and for free by following my link Aura: https://aura.com/hammer 8. Therapy: Make SonderMind your mental health home in 2025. Sign up at: https://pages.sondermind.com/caleb/ 9. Stock Investing: Earn up to $5,000 in Cash Back every year on your Stocks & ETFs. Terms apply: https://silomarkets.com/caleb All investing involves risk. Silo Financial LLC (“Silo”) is registered with the SEC. The creator receives cash compensation and is not affiliated with Silo. Learn more about your ad choices. Visit megaphone.fm/adchoices

Fan Favorite: This episode originally aired on April 24, 2018. As the Chaplain for the Seattle Seahawks and pastor of a massive congregation that counts names like Justin Bieber and Tim Tebow as members, Judah Smith knows a thing or two about leadership. His messages of radical love and inclusion have resonated with hundreds of thousands around the world from all different walks of life. Judah shares the leadership principles that have helped him build a strong community on this episode of Impact Theory with Tom Bilyeu. SHOW NOTES: Judah explains his role with the Seattle Seahawks and what it's taught him about leadership. [4:00] Judah discusses the art of accountability and conflict. [7:46] Judah tells the power of exposing his vulnerability to the masses. [19:22] Judah shares why communication is the backbone of all his relationships. [29:26] Judah reveals the impact he wants to have on the world. [41:25] QUOTES: "Avoiding conflict minimizes the depth of relationship that you can experience, and of course the excellence in which you can experience progress and fulfillment and live your dreams." [10:15] "I don't think people can be who they're supposed to be without community. And community doesn't have to be 10,000 people, it can be five, it can be three, it can be the right people. Not just a bunch of people, but the right people." [14:15] "The pain is part of being alive. We're not living a Disney cartoon, we're living real life. And the pain we feel, it makes us more human, it makes us more alive." [28:43] FOLLOW JUDAH SMITH: TWITTER - https://bit.ly/2HnQiWH FACEBOOK - https://bit.ly/2K6G4b3 INSTAGRAM - https://bit.ly/2HpMO1K CHECK OUT OUR SPONSORS Audible: Sign up for a free 30 day trial at https://audible.com/IMPACTTHEORY  Vital Proteins: Get 20% off by going to https://www.vitalproteins.com and entering promo code IMPACT at check out Upway: Get $150 OFF any purchase over a thousand when you use code IMPACT at https://upway.co. Thrive Market: ​​Go to https:thrivemarket.com/impact for 30% off your first order, plus a FREE $60 gift! American Alternative Assets: If you're ready to explore gold as part of your investment strategy, call 1-888-615-8047 or go to https://TomGetsGold.com Tech Unheard: Tune into Tech Unheard from Arm and NPM—wherever you get your podcasts. Monarch Money: Use code THEORY at https://monarchmoney.com for 50% off your first year! Mint Mobile: If you like your money, Mint Mobile is for you. Shop plans at https://mintmobile.com/impact.  DISCLAIMER: Upfront payment of $45 for 3-month 5 gigabyte plan required (equivalent to $15/mo.). New customer offer for first 3 months only, then full-price plan options available. Taxes & fees extra. See MINT MOBILE for details. What's up, everybody? It's Tom Bilyeu here: If you want my help... STARTING a business: join me here at ZERO TO FOUNDER SCALING a business: see if you qualify here. Get my battle-tested strategies and insights delivered weekly to your inbox: sign up here. ********************************************************************** If you're serious about leveling up your life, I urge you to check out my new podcast, Tom Bilyeu's Mindset Playbook —a goldmine of my most impactful episodes on mindset, business, and health. Trust me, your future self will thank you. ********************************************************************** Join me live on my Twitch stream. I'm live daily from 6:30 to 8:30 am PT at www.twitch.tv/tombilyeu ********************************************************************** LISTEN TO IMPACT THEORY AD FREE + BONUS EPISODES on APPLE PODCASTS: apple.co/impacttheory ********************************************************************** FOLLOW TOM: Instagram: https://www.instagram.com/tombilyeu/ Tik Tok: https://www.tiktok.com/@tombilyeu?lang=en Twitter: https://twitter.com/tombilyeu YouTube: https://www.youtube.com/@TomBilyeu Learn more about your ad choices. Visit megaphone.fm/adchoices