Podcasts about Caroll

Today, I tell you about the medicinal properties of Spikemoss and Meadowsweet.  These are great plants to have on hand for first aid, bleeding, colds and flus, aches and pains.Also, I am back on Youtube Please subscribe to my channel: @judsoncarroll5902   Judson Carroll - YouTubeTune of the week:On The Other Hand Baby on guitarI show you how to play Etta Baker's "On The Other Hand Baby". This is a great blues instrumental in a more modern or Chicago style than much of her music. There are a lot of great licks in this one!https://youtu.be/I9qj0AF7MDsNew today in my Woodcraft shop:Toasted Holly Coffee Scoop - Judson Carroll Woodcrafthttps://judsoncarrollwoodcraft.substack.com/p/toasted-holly-coffee-scoopEmail: judson@judsoncarroll.comBecome a supporter of this podcast: https://www.spreaker.com/podcast/southern-appalachian-herbs--4697544/supportMy new book: A Daily Catholic Devotional Reflections on the Daily Mass readings January-June, 2026: Caroll, Judson: 9798270034252: Amazon.com: Books  https://www.amazon.com/dp/B0FWJMD7CLRead about The Spring Foraging Cookbook: https://southernappalachianherbs.blogspot.com/2024/01/the-spring-foraging-cookbook.htmlAvailable for purchase on Amazon: https://www.amazon.com/dp/B0CRP63R54Medicinal Weeds and Grasses of the American Southeast, an Herbalist's Guidehttps://southernappalachianherbs.blogspot.com/2023/05/medicinal-weeds-and-grasses-of-american.htmlAvailable in paperback on Amazon:https://www.amazon.com/dp/B0C47LHTTHandConfirmation, an Autobiography of Faithhttps://southernappalachianherbs.blogspot.com/2023/05/confirmation-autobiography-of-faith.htmlAvailable in paperback on Amazon:https://www.amazon.com/dp/B0C47Q1JNKVisit my Substack and sign up for my free newsletter:https://judsoncarroll.substack.com/Read about my new other books:Medicinal Ferns and Fern Allies, an Herbalist's Guide https://southernappalachianherbs.blogspot.com/2022/11/medicinal-ferns-and-fern-allies.htmlAvailable for purchase on Amazon: https://www.amazon.com/dp/B0BMSZSJPSThe Omnivore's Guide to Home Cooking for Preppers, Homesteaders, Permaculture People and Everyone Else: https://southernappalachianherbs.blogspot.com/2022/10/the-omnivores-guide-to-home-cooking-for.htmlAvailable for purchase on Amazon: https://www.amazon.com/dp/B0BGKX37Q2Medicinal Shrubs and Woody Vines of The American Southeast an Herbalist's Guidehttps://southernappalachianherbs.blogspot.com/2022/06/medicinal-shrubs-and-woody-vines-of.htmlAvailable for purchase on Amazon https://www.amazon.com/dp/B0B2T4Y5L6andGrowing Your Survival Herb Garden for Preppers, Homesteaders and Everyone Elsehttps://southernappalachianherbs.blogspot.com/2022/04/growing-your-survival-herb-garden-for.htmlhttps://www.amazon.com/dp/B09X4LYV9RThe Encyclopedia of Medicinal Bitter Herbs: https://southernappalachianherbs.blogspot.com/2022/03/the-encyclopedia-of-bitter-medicina.htmlAvailable for purchase on Amazon: https://www.amazon.com/dp/B0B5MYJ35RandChristian Medicine, History and Practice: https://southernappalachianherbs.blogspot.com/2022/01/christian-herbal-medicine-history-and.htmlAvailable for purchase on Amazon: www.amazon.com/dp/B09P7RNCTBHerbal Medicine for Preppers, Homesteaders and Permaculture People: https://southernappalachianherbs.blogspot.com/2021/10/herbal-medicine-for-preppers.htmlAlso available on Amazon: www.amazon.com/dp/B09HMWXL25Podcast:  https://www.spreaker.com/show/southern-appalachian-herbsBlog: https://southernappalachianherbs.blogspot.com/Free Video Lessons: Herbal Medicine 101 - YouTube https://www.youtube.com/playlist?list=PL7QS6b0lQqEclaO9AB-kOkkvlHr4tqAbs

Today, I tell you about the medicinal and edible properties of Elder.  Also, Elder berries are one of my absolute favorites for wine and jam and a great remedy for colds and coughs!Also, I am back on Youtube Please subscribe to my channel: @judsoncarroll5902   Judson Carroll - YouTubeAin't Nobody's Dirty Business on GuitarI show you how to play Mississippi John Hurt's "Ain't Nobody's Dirty Business". We discuss a little of the history of the song and talk about different ways you could play it to make it your own.https://youtu.be/7ORbxJ76QycNew today in my Woodcraft shop:Toasted Holly Cooking Spoonhttps://judsoncarrollwoodcraft.substack.com/p/toasted-holly-cooking-spoonEmail: judson@judsoncarroll.comBecome a supporter of this podcast: https://www.spreaker.com/podcast/southern-appalachian-herbs--4697544/supportMy new book: A Daily Catholic Devotional Reflections on the Daily Mass readings January-June, 2026: Caroll, Judson: 9798270034252: Amazon.com: Books  https://www.amazon.com/dp/B0FWJMD7CLRead about The Spring Foraging Cookbook: https://southernappalachianherbs.blogspot.com/2024/01/the-spring-foraging-cookbook.htmlAvailable for purchase on Amazon: https://www.amazon.com/dp/B0CRP63R54Medicinal Weeds and Grasses of the American Southeast, an Herbalist's Guidehttps://southernappalachianherbs.blogspot.com/2023/05/medicinal-weeds-and-grasses-of-american.htmlAvailable in paperback on Amazon:https://www.amazon.com/dp/B0C47LHTTHandConfirmation, an Autobiography of Faithhttps://southernappalachianherbs.blogspot.com/2023/05/confirmation-autobiography-of-faith.htmlAvailable in paperback on Amazon:https://www.amazon.com/dp/B0C47Q1JNKVisit my Substack and sign up for my free newsletter:https://judsoncarroll.substack.com/Read about my new other books:Medicinal Ferns and Fern Allies, an Herbalist's Guide https://southernappalachianherbs.blogspot.com/2022/11/medicinal-ferns-and-fern-allies.htmlAvailable for purchase on Amazon: https://www.amazon.com/dp/B0BMSZSJPSThe Omnivore's Guide to Home Cooking for Preppers, Homesteaders, Permaculture People and Everyone Else: https://southernappalachianherbs.blogspot.com/2022/10/the-omnivores-guide-to-home-cooking-for.htmlAvailable for purchase on Amazon: https://www.amazon.com/dp/B0BGKX37Q2Medicinal Shrubs and Woody Vines of The American Southeast an Herbalist's Guidehttps://southernappalachianherbs.blogspot.com/2022/06/medicinal-shrubs-and-woody-vines-of.htmlAvailable for purchase on Amazon https://www.amazon.com/dp/B0B2T4Y5L6andGrowing Your Survival Herb Garden for Preppers, Homesteaders and Everyone Elsehttps://southernappalachianherbs.blogspot.com/2022/04/growing-your-survival-herb-garden-for.htmlhttps://www.amazon.com/dp/B09X4LYV9RThe Encyclopedia of Medicinal Bitter Herbs: https://southernappalachianherbs.blogspot.com/2022/03/the-encyclopedia-of-bitter-medicina.htmlAvailable for purchase on Amazon: https://www.amazon.com/dp/B0B5MYJ35RandChristian Medicine, History and Practice: https://southernappalachianherbs.blogspot.com/2022/01/christian-herbal-medicine-history-and.htmlAvailable for purchase on Amazon: www.amazon.com/dp/B09P7RNCTBHerbal Medicine for Preppers, Homesteaders and Permaculture People: https://southernappalachianherbs.blogspot.com/2021/10/herbal-medicine-for-preppers.htmlAlso available on Amazon: www.amazon.com/dp/B09HMWXL25Podcast:  https://www.spreaker.com/show/southern-appalachian-herbsBlog: https://southernappalachianherbs.blogspot.com/Free Video Lessons: Herbal Medicine 101 - YouTube https://www.youtube.com/playlist?list=PL7QS6b0lQqEclaO9AB-kOkkvlHr4tqAbs

Today, I tell you about two very useful plants, Glasswort and Willows.  While Glasswort is native to my area, I rarely find enough to harvest.  But, Willows are everywhere and are among the most useful and historic of plants.BTW, Prepper Broadcasting is doing a big give away - be sure to check out their link: https://kingsumo.com/g/36qqe91/preparedness-is-american-strengthAlso, I am back on Youtube Please subscribe to my channel: @judsoncarroll5902   Judson Carroll - YouTubeLouis Collins on GuitarToday, I show you how to play my version of Mississippi John Hurt's "Louis Collins." It is a laid back blues ballad in the key of C, and a John Hurt original with a few of his signature licks.https://youtu.be/13mDLzQkAjkNew today in my Woodcraft shop:Toasted Holly Cooking Spoonhttps://judsoncarrollwoodcraft.substack.com/p/toasted-holly-cooking-spoonEmail: judson@judsoncarroll.comBecome a supporter of this podcast: https://www.spreaker.com/podcast/southern-appalachian-herbs--4697544/supportMy new book: A Daily Catholic Devotional Reflections on the Daily Mass readings January-June, 2026: Caroll, Judson: 9798270034252: Amazon.com: Books  https://www.amazon.com/dp/B0FWJMD7CLRead about The Spring Foraging Cookbook: https://southernappalachianherbs.blogspot.com/2024/01/the-spring-foraging-cookbook.htmlAvailable for purchase on Amazon: https://www.amazon.com/dp/B0CRP63R54Medicinal Weeds and Grasses of the American Southeast, an Herbalist's Guidehttps://southernappalachianherbs.blogspot.com/2023/05/medicinal-weeds-and-grasses-of-american.htmlAvailable in paperback on Amazon:https://www.amazon.com/dp/B0C47LHTTHandConfirmation, an Autobiography of Faithhttps://southernappalachianherbs.blogspot.com/2023/05/confirmation-autobiography-of-faith.htmlAvailable in paperback on Amazon:https://www.amazon.com/dp/B0C47Q1JNKVisit my Substack and sign up for my free newsletter:https://judsoncarroll.substack.com/Read about my new other books:Medicinal Ferns and Fern Allies, an Herbalist's Guide https://southernappalachianherbs.blogspot.com/2022/11/medicinal-ferns-and-fern-allies.htmlAvailable for purchase on Amazon: https://www.amazon.com/dp/B0BMSZSJPSThe Omnivore's Guide to Home Cooking for Preppers, Homesteaders, Permaculture People and Everyone Else: https://southernappalachianherbs.blogspot.com/2022/10/the-omnivores-guide-to-home-cooking-for.htmlAvailable for purchase on Amazon: https://www.amazon.com/dp/B0BGKX37Q2Medicinal Shrubs and Woody Vines of The American Southeast an Herbalist's Guidehttps://southernappalachianherbs.blogspot.com/2022/06/medicinal-shrubs-and-woody-vines-of.htmlAvailable for purchase on Amazon https://www.amazon.com/dp/B0B2T4Y5L6andGrowing Your Survival Herb Garden for Preppers, Homesteaders and Everyone Elsehttps://southernappalachianherbs.blogspot.com/2022/04/growing-your-survival-herb-garden-for.htmlhttps://www.amazon.com/dp/B09X4LYV9RThe Encyclopedia of Medicinal Bitter Herbs: https://southernappalachianherbs.blogspot.com/2022/03/the-encyclopedia-of-bitter-medicina.htmlAvailable for purchase on Amazon: https://www.amazon.com/dp/B0B5MYJ35RandChristian Medicine, History and Practice: https://southernappalachianherbs.blogspot.com/2022/01/christian-herbal-medicine-history-and.htmlAvailable for purchase on Amazon: www.amazon.com/dp/B09P7RNCTBHerbal Medicine for Preppers, Homesteaders and Permaculture People: https://southernappalachianherbs.blogspot.com/2021/10/herbal-medicine-for-preppers.htmlAlso available on Amazon: www.amazon.com/dp/B09HMWXL25Podcast:  https://www.spreaker.com/show/southern-appalachian-herbsBlog: https://southernappalachianherbs.blogspot.com/Free Video Lessons: Herbal Medicine 101 - YouTube https://www.youtube.com/playlist?list=PL7QS6b0lQqEclaO9AB-kOkkvlHr4tqAbs

Welcome back to the studio.  This is My Day of Play, where you're taken into the real events and actions of how it happens long before the process of editing or cleaning up.  The original purpose of these episodes was to give my broadcasting students something to edit, to practice with and to call their own.  Then I realized that you are just as important.  Share the reality of how it really went.  We begin things with Fox Sports and NFL play by play announcer Chris Myers.  His project was That Deserves A WOW! Then we'll leap into an unedited conversation with two legendary actors working together to preserve American history Mark Harman of NCIS and technical director Leon Carroll Jr.  This is My Day of Play.  Completely unedited in the way of meeting the wizard behind the curtain.  Become a supporter of this podcast: https://www.spreaker.com/podcast/arroe-collins-unplugged-totally-uncut--994165/support.

Title: Build a Bigger Life, Not a Bigger Lifestyle: The Real Path to Freedom with Adam Caroll Summary: In this episode of Raise the Bar Radio, guest (Adam Carroll) shares his journey from a traveling professional speaker to building sustainable wealth through passive income strategies. After realizing the limitations of trading time for money, Adam developed The Shred Method, a cashflow reorientation system that minimizes debt interest and frees up capital to build liquidity and invest. By leveraging lines of credit and algorithm-driven cash deployment, individuals can rapidly pay down debts and reallocate savings into passive income streams like real estate syndications, intellectual property, and other alternative investments. Adam stresses that most high-income earners don't have an income problem - they have a liquidity problem tied up in low-access retirement plans and excessive spending. Finally, he expands on his philosophy of "building a bigger life, not a bigger lifestyle," urging professionals to align spending and time with their values to achieve fulfillment and financial freedom within 10 years. Links to Watch and Subscribe:   Bullet Point Highlights: Trading time for money is limiting. Adam shifted from paid speaking gigs to building passive income streams for true freedom. The Shred Method minimizes interest expenses. By using cashflow more efficiently through lines of credit and optimized algorithms, debt is paid down faster, freeing liquidity for investing. Passive income is key to wealth. Adam focuses on real estate syndications, ATM tranches, intellectual property, and digital products to generate consistent, diversified passive cash flow. Most people have a liquidity problem, not an income problem. Money is often locked in 401(k)s or spent wastefully — instead, creating accessible liquidity allows for opportunity-based investing. Building a bigger life requires intentionality. Aligning spending and actions with core values (like family, freedom, growth) leads to fulfillment — not just more stuff. The game becomes fun. Once passive income starts flowing, investing becomes strategic, diversified, and compounding — eventually replacing active income and creating financial independence. Anyone can implement this. While you can DIY, Adam recommends coaching to fast-track understanding and execution of the Shred Method. Transcript: (Seth Bradley) (00:02.094) What's up, Builders? This is Raise the Bar Radio, where we talk about building wealth, raising capital, and all in all, raising the bar in your business and your life. This is the No BS podcast for capital raisers, investors, and entrepreneurs who are serious about scaling their business and living life on their own terms. I'm (Seth Bradley), securities attorney, real estate investor, and entrepreneur, bringing you world-class strategies from the best in the game.   If you're ready to raise more capital, close bigger deals, build a better you and create true financial freedom, you're in the right place. Let's go. Adam, what's going on, brother? Welcome to the show.   Hey Seth, thanks for having me, man. I'm excited about our conversation today.   Yeah, dude, super stoked to have you on today. It's going to be an awesome show, man. Let's dive right in. Tell us a little bit about yourself, your background. Take it back as far as you want to. Yeah.   Well, for the last 15 years or so, almost 20 now, guess, I've been making my living, opening my mouth and just speaking on stages all across the country. Had the opportunity to do a couple of international gigs, which was a blast. And in the midst of all that, making my living as a professional speaker, I realized that if I was very similar to your audience, if I wasn't doing the deal, doing the gig, doing the engagement, I wasn't getting paid.   (Adam Carroll) (01:26.184) And so a mentor of mine said, the goal is not to go to work and get paid. The goal is to go to work and get paid, get paid, get paid, get paid, get paid, get paid, get paid. And so I started figuring out that what I really wanted to do with the messaging that I was delivering was turn it into sort of a mediapreneurship where I was a mediapreneur creating content, but then I'd get paid for the content over and over and over again. And that today looks like I've written a bunch of books.   I've got a documentary that I produced that aired on CNBC. And now we're starting to get into more of a SaaS business, which I'm sure we'll talk about. That's the shred method. But I, you what I do when people ask me, I tell them, I love to educate people about new and different ways of building a bigger life, not a bigger lifestyle. And I would say you and I have that in common, because I know you're doing that on the show.   Yeah, absolutely, man. I gotta ask, how do you become a professional speaker? I bet a lot of people are thinking about that.   The origin story is kind of interesting because I was a clothier at the time in Denver, Colorado. And I was literally going out and meeting with high level executives in their offices, selling them custom made suits and shirts and sport coats and pants and whatnot. And it occurred to me in the middle of a meeting at one point, an appointment with one of my clients that I didn't want to measure in seams for the rest of my life. And I'll keep it PG but   This guy was one of my favorite clients. He was irreverent and funny and wasn't afraid to spend money on clothes. But this particular day, he confided in me that he wasn't wearing any underwear. And I was just like, dude, JP, what? You knew I was coming here today. He's like, I know, I just forgot. I'm sorry. I'm sorry. And I walked out and I went, I don't want to do this anymore. I just don't want to do this. And the company that I worked for is a fairly well known clothier. But   (Adam Carroll) (03:22.55) Every day I would drive around in my car listening to motivational messages. You know, they were on CDs at the time. I'm going to date myself, but I would listen to like Mark Victor Hansen and Jack Canfield and Les Brown and Zig Ziglar. I would listen to all these CDs in my car. And Mark Victor Hansen said on one of the CDs that public speaking is one of the most noble professions because you get to travel the world. You get to change people's lives and you make a lot of money doing it. And I remember thinking.   That's what I want to do. All three of those things rolled into one. And so I reached out to a buddy of mine and said, dude, I don't think I'm in the right job. I need to be doing something else. He said, what do you want to do? And I told him, and you know how the universe kind of works in mysterious ways. He goes, well, Anne, who used to work with us, she works for a company that that's all they do is hire speakers. And so I sent in a tape, I auditioned, I got the gig.   And I was a W2 employee of theirs for about two years and then realized that I was being underpaid for the work I was doing, that I was actually probably one of the top 10 % of speakers on the roster. And then I realized that when you can make anywhere from a thousand to $5,000 an hour doing that, it was a pretty good paying gig if you were out on your own. I took the jump and have been doing it ever since.   Interesting man. I didn't realize that you could have a W-2 as a speaker I thought everybody that was speaking was getting the speakers that were getting paid, you know They were kind of doing it on their own. I don't realize there was kind of a there was a way to do it where there's a company that pays W-2 wages to speakers to speak it events. Yeah, it's interesting   It is interesting because there are companies that will hire you as a speaker to go and it may be sell their product or service. Or in this case, I was working for a company that was a division of monster.com, the job search company. And I was, I was speaking to high school and college students all across the country. And I probably presented to like 200,000 people in, two years time. So it was just a great practice run and a great way to cut my teeth on a very difficult audience. Because.   (Adam Carroll) (05:36.814) I don't know if you've ever been around a freshman in high school or a sophomore in high school, but they're like the most apathetic human beings on the face of earth. They don't want to be there. I could have lit myself on fire and they'd been like, cool, what else you got? And then when I realized that there were speakers like me that were out who basically just said, this is my topic. This is my specialty, if you will. And here's the rate. And the more they spoke and the...   we have a theory that the more you speak, the more you speak. So once you get out, you hang your own shingle and say, I'm a speaker in this topic, people begin to know you as that person. And then word gets around and obviously you have to not suck on stage. That's part of it. But if you're great at keeping audiences attention, and I really studied NLP, neuro-linguistic programming to use the right words, I studied comedians to figure out what was funny and what wasn't, and it just worked.   Over time, I had more more bookings and at the peak of my career, I was doing like 70 or 75 gigs a year.   Wow, wow, that's incredible. Definitely didn't realize that was your background. I remember those folks coming to like the office and selling suits and doing that sort of thing. So that's pretty interesting. I'm sure a lot of listeners out there are familiar with that process as well.   Yeah. Yeah, it was, it was a great, it was a great gig. mean, I met all sorts of really phenomenal business people. And I think for me, it was, it was like confirmation that I had this desire to, to impact people. And my boss at one point, he was like, Hey, these people love you. They want you to come around. They love the discussion and the conversation. They need to buy stuff from you. And, and there was a.   (Seth Bradley) (07:01.639) sorry, go ahead.   (Adam Carroll) (07:26.574) It's kind of a realization for me that I didn't necessarily want to have to sell. wanted people to buy. And speaking makes it real easy to do that.   Hmm. Yeah, makes sense. Let's jump right into it, man. Let's talk about the shred method. A lot of folks will find this very interesting. I know that I do. What is it? And let's just start there. What is it? Tell us a little bit about it.   Yeah, the shred method, first of all, thank you for asking. it's, it's, for me, I don't say this lightly, but nothing has built more wealth for me and my family than following this model. And the reason for it is there are two great expenses that everyone has in life. And I'm sure all of your listeners, be they attorneys, doctors, other professionally degreed folks.   If you're in a W-2 job, you know this to be true. The two greatest expenses we have in life are taxes and the interest expense on debt. Those are the two greatest expenses. And a gentleman that I had met years ago who helped me with tax situations, just a brilliant, brilliant strategist, he said, Adam, if you focus on minimizing your tax liability, that will get you halfway there. And it's very easy to do, buy real estate, have depreciable assets.   you know, make personal expenses, business expenses, etc, etc. But he said, if you can focus on minimizing the interest expense on debt, this is like a video game that you can't lose. And so when I learned about the shred method, and this is known by a variety of different terms, some people call it an Australian mortgage, it's called velocity banking, we've taken those concepts and turbocharged them.   (Adam Carroll) (09:09.474) almost like putting nitrous oxide in a gas tank, you know, in terms of making it go faster. But the shred method is a unique tool and a way of reorienting your cash flow through your household so that it is being used to the most efficient use possible. And to kind of qualify that, Seth, if you were to leave your home in the morning to go to the grocery store, as an example, and you came back home, emptied the car out,   knowing you had to go to post office at like 4 p.m., would you leave your car idling in the driveway all day?   (Adam Carroll) (09:46.284) Nope. No, and why wouldn't you?   Wasteful.   Yeah, wasteful, you'd burn gas, it'd be hard on the engine. It's just inefficient, right? And yet what most people do is they get their income, their income gets deposited into a checking account, and it sits there for days, weeks, months, sometimes years on end. And we never really use it to its highest efficiency. Meanwhile, we might have debts, commercial debts, primary mortgages, might have student loans yet. And all of those are accruing amortized interest.   right? And you might say it's compound interest working against you to a certain extent. But at the very least amortized interest means that the majority of the interest you're paying on that debt is upfront, it's in the first one to five years. And so the shred method teaches people how to take that income that is being super inefficient in an account, and instead begin to apply it through a process that allows you to blast away   the highest interest or highest payment debts that you have, freeing up cash flow, building equity, and ultimately, and this is the key, creating liquidity to go buy passive income properties, if you will, or other passive income plays.   (Seth Bradley) (11:02.058) Interesting. Yeah, and we actually haven't had anyone on the show to speak about this method, whatever nomenclature you might use. So let's go in a little bit more detail. mean, what is the vehicle? What is this flow of money that you're talking about?   So, know, logistically, here's how it works. Money typically would just get deposited into checking. You pay everything out of checking your mortgage, your car loan, your credit cards, living expenses. And the gurus would tell you that anything extra should really go towards savings and investments, right? And for most people, it goes to Costco, Target and Dining Out. That's where it goes. You know, it doesn't stay in the account, doesn't go into savings. If it does, it goes there for a small period of time. I think that most people   don't really have a savings account, they have a put and take account, because they put a little bit in, take a little bit out, put a little bit in, take a lot out. So the way this works is the money instead of being deposited straight to a checking account gets deposited into what we call a shred account. And the shred account could either be a line of credit, or it could be just a side account of money that you have sitting there that has not been accessed in some time. And what we tell our users is that   you really want to have either a line of credit or a shred account that is one and a half to two times what your monthly net take home is. So if you're bringing home 10 grand a month net, then ideally you want either a line of credit or a shred account of 15 to 20 grand. And the magic of this is the money is going to flow into that account. But the shred method is powered by a piece of software that is based on an algorithm that's tracking your income.   your expenses, the interest that you're paying on all your debts, and how much discretionary money you have available at any given point in time. And essentially, we're leveraging that in really short bursts of time against your largest debts, which could be, again, student loans, could be your mortgage, could be commercial properties. And in doing that, what we're doing is we're saving copious amounts of interest, like literally tens to hundreds of thousands of dollars.   (Adam Carroll) (13:11.122) And in the process, we're freeing up a ton of equity. So people that are saying, hey, I'm paycheck to paycheck. It's hard for me to figure out how am I going to invest more money? We're telling them the money is going to come from the equity that you're creating in your properties by paying them down rapidly.   I love that because I can see where this is going to potentially free up some extra cash to invest. A lot of folks out there, including myself back in the day, we got caught up in this thing we call the golden handcuffs where we're just spending everything. Like you said, we're spending it on Target, on eating out, on things that we really don't need. mean, there's a time and place for spending money on having a good time and enjoying your life for sure.   But we just we tend to overdo it as our income grows our expenses grow right along with it And a lot of people that I talked to about investing they're like, you know I don't have fifty thousand dollars to invest in this real estate deal or a hundred thousand dollars in this real estate deal and it's like well Well, why don't you you know make three hundred thousand dollars you why don't you have fifty thousand dollars to invest in this awesome deal? Right or to you know, put aside for your emergency fund. Like why don't you have these things set up?   So, you know, we always have to walk them through, you know, the expenses is the issue. Really, it's what are you spending all this money on? we try to find how they can save on those expenses so that they can invest in these assets that are really going to set them financially free.   No doubt. And I think you hit the nail on the head. If somebody's making, and honestly, I tell people if you're making six figures plus $100,000 plus, and you don't have 10, 20, $50,000 ready to go, there's something fundamentally wrong. And here it is, we're sending too much money to our banker, and it just goes up in smoke. Right? We like to refer to it as the interest to income ratio, which is if you take how much income you make,   (Adam Carroll) (15:11.694) and you back out how much of that income is actually going to pay interest expense, it'll probably blow your mind. If someone's got a multi-six figure home or mortgage that they're paying on, and they've got student loans, and maybe they're driving a $50,000 to $100,000 vehicle with a payment attached to it, you're probably burning 50 to 60 grand a year in interest and not really thinking twice about it. So what this does is it starts to claw back some of the money that you're sending to your banker.   Which by the way, they make plenty of money. They don't need your money. That is the most profitable business out there is banking and lending. mean, literally, Seth, if you drive two miles around your property there, how many banks would you be able to stop at, do you think? Ballpark best guess.   Right, half a dozen.   Easily, right? And they're probably $10 million buildings minimum. Out there, they're even more, right? So, so this is the deal. They're profitable business ventures. And what we have to remember sometimes is we are their compound interest vehicle, right? Us making our payment every single month is what makes the banks all the money. And if we can game that system, if even for 12 to 18 months at the very beginning of our debt,   we can strip away a huge chunk of the interest that we would normally be paying them over the course of a decade or more. To your audience, that's how I'd say this is how you find the extra 50 or 100 grand because you do have it and it should be in the equity of your property and easily accessible as a liquidity tool. It just isn't because you haven't challenged the banking system.   (Seth Bradley) (16:57.073) Yeah. Now, is this something you can set up yourself or is this something that you need an expert to kind of walk you through? I'm sure if you could probably do it either way. It's just like anything else. You want to take the shortcut or not. But yeah, I just like to know your thoughts on that.   You're exactly right. I I could build a deck on my house if I wanted to and had three months to learn how to do it. Anybody can learn how to do this. My question to most people when they say, I do this myself? I'll say, yes, why haven't you? And for that, the investment with us is very minimal, mainly what it is is coaching and being able to help people get the logistics right. Because once they get it, it's very simple.   but there requires a little bit of retraining the brain in terms of how to handle your money and where the cash flow goes, because it's so, it's like so ingrained in us to live in the banker's business model, put money in checking, pay your bills, anything leftover goes over here. And if you look at it critically, the two groups that are really making money using the existing platform are bankers,   and any advisors that are accepting your money and then turning around and doing something with it. A friend of mine used to call it the helper class. So when the helper class has your money, they're making a ton of money, probably more than you are. And that's our goal is to begin to start to pull back some of the money from the helper class to keep it for ourselves to build those massive passive permanent streams of income.   Yeah, yeah, that makes sense. We tend to bash a few of those helper class folks. I mean, they're not all created equal, including some financial advisors and folks like that that, you know, they're okay people, but their interests aren't necessarily aligned with yours.   (Adam Carroll) (18:51.576) That's right. I would agree with that. I don't want to villainize them, but I think that personal finance is personal. The challenge that I have with anyone out there who espouses a certain way, mine included, is it has to be for the right kind of audience, the right avatar. From our perspective, the people that we help out are the ones who do want to break free from the W-2. They want to create massive passive permanent streams of income.   Over time, they'd like to build a bigger life, not a bigger lifestyle. So if someone's chronically overspending, got to have the newest of the new every single time, they may not be a perfect fit with our strategy because the goal is to continually increase your income while either keeping your expenses similar or even trending down over time, which is not to say that you can't expand where you're spending. Your income is increasing exponentially relative to your expenses.   we do that through the model that we're teaching people. So, you if you're a new car every six months or 12 months kind of person may not be a perfect fit. But if you're somebody who's like, hey, the debt's kind of oppressive, I want to get rid of it. And I want to build, you know, massive wealth for future generations, then generally speaking, we're a pretty good fit for for those folks.   Yeah, yeah, that makes a lot of sense. And I feel like there's, there's probably, it's probably a math equation, right? Like we can't necessarily do it on this show because it's, everybody's taking it in by audio for the most part. there's gotta be an algorithm and you could probably, you know, set those expense numbers and interest numbers that you're paying on your mortgage and other debts and what you're going to pay on that through the shred method and kind of see the savings and how you can grow that wealth year over year.   You're exactly right. It is super fluid. So if your income changes, your expenses change, we plug all that data in and hit recalculate and the thing automatically adjusts to whatever your expenses are. So one of the things that I would never fault anyone for is taking awesome vacations or buying a new car, whatever your choice is. Again, we're not going to villainize anyone for living their life.   (Adam Carroll) (21:06.67) But what we can do through shred is to say, hey, if you're going to drop 10 grand on a vacation, it's going to change your payoff by a month or two months or six months, depending on your income and discretionary income. And if someone knows that and they're planning on it, at least they're armed with that information as opposed to, gosh, we shouldn't do this, but we did or should we buy this $50,000 card? Does it make sense? Or 80 or 150 or whatever your number is.   We can show you exactly do it, just know this is what it changes in the process.   Yeah, yeah, I like that because you can just show them this is the impact it's going to have on paper before they do it and then you can make a better decision on whether or not you want to do that or not.   Absolutely. And furthermore, and you'll appreciate this, I know you're of this mindset, you'll get to a point where it's like, if you want the new car, then invest the money in a syndication or another property that puts enough money in your pocket, you can go pay for the car. But let your assets pay for your liabilities. And I think that's the main thing that many people, I'm sure your listeners, certainly folks that we engage with.   They don't have a lot of assets. They work hard, they make good money, but that is the sum total of their income, is active income. And our goal is to increase passive income over time where it supersedes your expenses because at that point you're financially free.   (Seth Bradley) (22:36.758) Right, right. What are some of the passive investments that you're involved in or that you recommend to people once they've implemented this system and they're trying to build those passive income streams?   Yeah, there are a number of them and I keep getting introduced to more and more all the time, Seth. I mentioned that, you know, that I was a mediapreneur and that the goal was to work, do the work and then get paid, get paid, get paid, get paid. So I started looking for other passive income streams. I really do love real estate. I've been invested in real estate for a long time. We divested of personally held real estate about four or five years ago. And   You know, I think I was too early to the party, but I thought the market was peaking and I thought I could get the max amount out of my properties. And I think I did at the time. And then we were introduced to syndications and we started really appreciating the fact that you could own a piece of a 350 unit apartment complex in South Carolina or Houston, Texas, or some other growing city and get a couple things, either monthly or quarterly income. You could get bonus depreciation.   And you basically got a K1 at the end of the year, which allows you to claim some of those expenses. And so we love syndications. We try and stack syndications on top of each other. they're coming due. They're selling every three or four or five years. So we'll put an amount of capital in knowing that it's going to turn over in short order. And we'll have another amount of capital to put in. And generally speaking, that capital amount just keeps going up.   So we love syndications. I've been introduced and we haven't pulled the trigger yet, but on ATM tranches where you can buy, have you heard this investment? Yep. So you can buy, you know, an amount of ATM machines where you're basically compensated on whatever the fee revenue on those are. There are many advantages to those. There are some drawbacks to it, but it's again, a passive income stream and one that's fairly consistent.   (Seth Bradley) (24:25.798) yeah, for sure.   (Adam Carroll) (24:44.59) Then I really like intellectual property plays. I will tend to invest in a business that has some IP and it may not cashflow right away, but I know that in two or three years, the IP is probably going to be worth something. It's more of a long-term play for me. I'm not going to put as much in it, but we have a couple of 25 to $50,000 investments in those kinds of deals as well. That, in addition to books and   documentary is still selling and things like that I'll keep doing. For me, the process of creating passive income is kind of a game. And so whatever the next thing is, I'm digging in, I want to learn it. total sidebar, but I'm trying to teach my sons and my daughter, this is the way of the future. It's not about working a nine to five and getting W2 and staying with the company for 30 years, it just doesn't happen anymore. It's about setting up   just perpetual income streams that allow you to live the way you want to live. And that, you know, I think that answers your question, hopefully.   (Seth Bradley) (25:52.174) Pardon the interruption, but we don't do ads. Instead, know that if you're raising capital for real estate, my law firm, RaiseLaw, is here to give you the expert legal guidance you need to raise capital compliantly and structure and close your deal. And if you're looking for a done-for-you fund-to-fund solution, Tribest is the industry's only all-in-one setup and fund administration solution. Visit Raise.Law and Tribest.com to learn more.   Yeah, yeah, that's right. You're preaching to the choir here, man. That's awesome. And you're kind of pretty deep into it. A lot of people will invest in a syndication and it is expensive to get involved, right? I mean, it's 50 grand or so or more to get into one of these things. And they're like, okay, I'm done. But you can't be done. You have to keep saving, keep investing. And you're in it to the point where past investors start really start accumulating wealth because they start stacking.   They start coming due every two, three, four, five years. You put it back in another one and they just compound on each other. And you're really accumulating this tax free if you stack them correctly. So it is an incredible vehicle once you get going. And it does turn into a game. I mean, you can look at your bank account or look at your personal P &L and just see how it's growing over five, 10 years. It's incredible. And you're not doing any work. You're vetting the sponsor, the market and the deal and really just the sponsor once you get really good at it.   and you keep reinvesting with the same sponsors that you like and there's no work involved, no tenants, toilets and trash, none of that.   Yes. Yes. And I think you hit the nail on the head when you find a sponsor you really like and you jive with, it's easy to roll the money over to them because they're constantly looking for the next deal. their reputation, their personality, everything is based on their success. they have a very, very vested interest to make you money. And so I don't think I fully realized when I was younger   (Adam Carroll) (27:50.35) the power of having the ability to write a 50 or $100,000 check. And once you get there and you can do 50 or 100 or get to a point where you can write a $500,000 or a million dollar check, things change drastically because there are syndicators out there that will take a million bucks. They'll pay you $90,000 a year guaranteed on the investment. You'll get bonus depreciation and write-offs and all of that. And you'll have like a...   200 % return on it within four or five years, three, four or five years. That's where you can buy a new car every year or two or three, because you need like a $75,000 or $80,000 write-off to your business. So you need a truck or you need a heavy vehicle,   Yeah, yeah, that's right. I mean, that's a good point. mean, people that have $500,000, a million dollars or more liquid, I mean, you can just look at a simple math and you get an 8 to 10 % return on that in cash flow, just in cash flow. You know, if you're living reasonably, you can live off of that. So, yeah, so you can be, you you don't need $10 million, $20 million to retire off of this if you invest in the right deals.   Totally. Totally.   (Seth Bradley) (29:03.926) and kind of spread it across, diversify in different deals, different sponsors, different geographies, different asset types. You can be retired if you want to. It's closer than people think.   I would agree. We have a theory that nearly everyone and certainly your audience could be free, done, done completely in 10 years or less. Absolutely. We call it a 10-year freedom plan. the challenge, think, Seth, and I would be curious your take on this, but I think the challenge for most people is not necessarily an income problem. It's a liquidity problem. So you make good income, right? And we talked about it. It's the expenses that factors in.   But where the majority of your investments go are probably in qualified funds. They're sitting in 401ks and Roth IRAs. Unless it's self-directed, you can't really access it till you're 59 and a half. And even then it's 59 and a half to 70 and a half, you have free rein access. Otherwise the government's regulating how much you take out without fees or penalties. That's a liquidity problem. And so the shred method takes that into account and starts to build   pockets or buckets of liquidity that you can draw from. The first is your home equity, or it could be equity in a commercial property. And then the next would be building a bank of money that you're borrowing from at some point in time, just another bucket. And the more buckets of money that we create, the more liquidity you have and the more investments you can get into, thereby increasing your passive income. So to your point, you do this well, it's like a video game you can't lose over time.   Yeah, yeah, that's right. And we've been programmed to think if we have a high paying job, we just put as much as we can into a 401k and we're doing the right thing and we're doing everything that we need to do and we're not and then everything that doesn't go into that 401k we're spending. So we're not saving anything else. We're not keeping anything else liquid. And we're just assuming that we're going to be okay because we put this money in the 401k. Well, like you said, you can't access it until you're 60 years old. That's right. Unless you take it out with a major penalty. So   (Seth Bradley) (31:10.062) You know, one way to do that obviously is to roll it over in an SDIRA or self-directed, I'm sorry, 401k, the self-directed, something that you have some control over. And then it does become liquid in the sense that you can at least invest it in things that you want to invest in rather than a financial advisor or just stocks, bonds and mutual funds. And then as you said, there's different ways that you can free up liquidity, a HELOC.   something like that borrow against a life insurance policy we've talked about infinite banking policies things like that there's there's creative ways to do it you just need to be aware of it most people just aren't aware of how to how to do that   Yeah, I think that's what's so valuable about your show too, man, is that we only know what we know. And there's an enormous amount that we don't know we don't know. So when I got introduced to syndications, and I got introduced to the ATM tranches, and I'm looking at these going, you know, there is risk, there's risk in everything. But the risk is so mitigated. And you don't realize that if you're writing $100,000 check, and they're saying, yeah, we're going to pay you 9 % guaranteed.   And these are some syndicators will promise an interest rate based on what class of investor you are, A, B, C, D, whatever it may be. But when I looked at that and I go, if I'm striving to get eight to 10 % in the S &P 500, and I have zero control over that, where would I rather be placing my money? That was something I didn't know I didn't know. And it's always fascinating to me to begin sharing this with people because   When I share the shred method, a lot of folks go, not too good to be true. If it's so good, why isn't everybody doing it? And what I'll tell them is because of human behavior and because the bank's lobbies and their marketing engine is so powerful. But it's not magic, it's math. We're taking mathematical principles, risk-based principles and applying it to real estate or finance and figuring out how to make an amount of money that will supersede what you're.   (Adam Carroll) (33:13.782) your W2 job is pretty simple. That's right. Yeah.   Yeah, pretty simple. It's math. Just got to get it down on paper, right? Yeah. All right. Let's switch gears a little bit. I want to quickly get into, you know, this concept that you preach about building a bigger life at work because I think that's, you know, inspiring and that sort of thing and really life in general, right? Tell us about that concept and kind of dive in a little bit.   Yeah.   (Adam Carroll) (33:37.964) Yeah, you know, this started, it would actually started from a conversation I had with a recent college graduate, and they had gotten an advanced degree, they were going into a high paying job. And I think they'd been at it for maybe nine months or so. And we were having coffee and this person said to me, I'm just not satisfied. And I said, Well, what what is it you're not satisfied with? And they said, Well, the issue is that I thought at this point in time after graduating, he'd be traveling the globe.   You know, that was what he had always romanticized was just tons of travel and do whatever he wanted to do. And I said, well, what's keeping you from that? And he goes, well, you know, I just got into this long-term lease apartment. go, okay. And he said, and I bought a bunch of furniture that I financed. And, and then it's like, okay. He goes, I have a couple of gym memberships, not one, two gym memberships, you know, each probably 80 to 120 bucks a piece a month had a car payment because he needed a fancy car. And I said,   Dude, it sounds to me like you're building a bigger lifestyle, not a bigger life. And what you're asking for is a bigger life. And that became almost a deep dive search for me on what would building a bigger life mean for me and my family. And what I did, Seth, was I started digging into what are my core values? How can I live according to those core values, not according to my neighbor's core values, you who may be drastically different than mine? And...   I ended up writing a book called The Build a Bigger Life Manifesto, which breaks down how do you do this step by step. And there are 10 core tenets. And the first one is you got to build on a strong values foundation, like understanding what is it truly you value in life. And if you're doing more of that, then your life should be fulfilling. And mine are family, freedom, love, growth, and connection. And if I'm fulfilling those five buckets on a weekly basis, generally speaking, I'm really fulfilled.   And so the second is have a bigger vision and a bigger vision for your life might mean I'm not going to stay in this job for the next 20 years and hopefully make partner. then hopefully, because we all know that as you get promoted in a W-2 job, it doesn't mean you work less. It means you work more. And so my bigger vision was I want to make my vocation, my vacation. I'm going to speak, but I'm going to speak in cool places that I can take my family to. People are going to pay me really well to do it.   (Adam Carroll) (36:03.368) and I'm going to do it X number of times a year. And then I started asking, and this is the third step, asking bigger questions. And bigger questions look like, okay, so if I wanted to do that, how would I get better at speaking? How would I get so good that people will pay me 10 or 15 or 20 grand to go do what I do for an hour? What would that look like? I started asking not how would I pay my house off early? How would I pay my house off by the end of this year?   And when I asked that question, answers started coming and we were able to do it. So this is kind of the layout of how we walk people through this process. And for me, a bigger life today is just that, you know, I live for my family. I want to travel with them. I want to have tons of fun with them while they're still in the house. I have two teenagers and one in college. And soon, you know, eventually they'll be gone and it'll be my wife and I going and living the life that we most want.   Our lifestyle right now is pretty locked in. We have a beautiful home, we drive nice cars, but everything's paid for. And at this point, the goal is just to continually create massive passive permanent streams of income that afford us the ability to be generous, to live the life we want. And ultimately for me to be able to go share that message with other people.   And something so simple that you did there, it's just, you know, ask yourself what's important. A lot of us don't take the time to think about why we're upset, why are we not happy. And a lot of it comes down to not filling those buckets that are important to us on a regular basis. to be able to figure that out, you've got to take a few moments to think deeply about what it is that's important to you.   100%. And I'll give you a great example, Seth. One guy that we worked with, he realized that one of his core values that was not being fulfilled was adventure. So he loved his job and he goes, I don't know what it is, I'm just dissatisfied. And we went through the values assessment and adventure was on there. I go, well, where are you getting adventure? And he said, you know, that's the problem. I'm not, I haven't had an adventure in two years. I said, so maybe in building your life,   (Adam Carroll) (38:21.538) we need to figure out where are you carving out adventure for yourself or your family to make sure that you're doing it. For him, community was a big part of it. And he was getting some of that in his day-to-day client interactions. But what he really wanted was to build a community of friends that would go do stuff together. And I said, that's on you, man. If you really want that as part of your life, you got to build whatever that looks like.   And what if you combine that and adventure? So you get a whole group of adventure seekers that get together three times a year to go skiing in Aspen or, you know, go skydiving on a weekend or whatever it is. What would that look like to do that? And he lit up and you know, I could do this right now. So to your point, I think we're all very, very close to having a fulfilled life and building a bigger life. But you do have to take time to figure out what does that look like for you.   For sure, for sure. And a lot of the folks listening are attorneys and doctors and they tend to have high suicide rates, all these crazy things, substance abuse. people from the outside looking in think, why? Because you're making all this money. You have this high profession that everybody looks up to and you're not unhappy. And that's why, because those folks...   folks like us, we're just really focused on just that occupation. And that's it. And we don't focus on some of the other things that would fulfill us and make us happy. tons of attorneys I talk to try to get, they're like, how do I start investing as quickly as possible? Make as much money as quickly as possible so I can get out of this job because I hate being an attorney or I hate being a dentist or whatever it is. But really, that might not be the issue. The issue is that you're not filling up those buckets outside of your   career. And if you were to start filling those buckets, start paying more attention to those things, you might not be as unhappy in your career. And you might actually find that you enjoy what you're doing because you're good at it. You worked really hard to get there and you're making a good bit of money doing it.   (Adam Carroll) (40:22.06) No doubt, no doubt. I would add to that, that I think the majority of professions that you just listed, dentists, doctors, lawyers, et cetera, what they really want is they want to maintain professional status, do what they do, they've gone to school, they've learned how to do it. But over time, they want to work less and less, not more and more. And if you're doing what you recommend on the show, and if you're leveraging something like the shred method to create it, you can get to a point where   half or more of your income, ideally all of it, is replaced by passive income. But it requires that you get really focused on working for the right reasons and not filling in the lack of fulfillment or unhappiness with a new car or the next do-dad or spending a fortune on something. Instead, decide, I'm going to go get into an investment this year that will begin the process of creating passive income for me to start building the life that I truly want.   And it is, it's pretty transformational once you figure out how to do it and what the next steps are.   Yeah, it's like the matrix. mean, you start kind of, as soon as you start, it becomes a game, how you said it earlier in the show, and you just start seeing things that you didn't see before. You start being presented with new types of investments and businesses that you can invest in that you never saw before, but they were right under your nose. It does turn into a fun game, a money game.   Yeah, no question. I was at a conference not too long ago and they were calling me Morpheus because I made a reference to the red pill or the blue pill. And they were like, dude, you're Morpheus. I just took the red pill. Now I'm going down the rabbit hole. So beware. Are you ready to take the red pill?   (Seth Bradley) (42:08.374) Love that, love that. All right Adam, before we jump into the freedom four, what's one last golden nugget for our listeners?   A golden nugget for your listeners is that money today is abstract. It's not a concrete thing. Several decades ago, you would be given cash or you'd pay for things in cash. And today, virtually everything is a cashless transaction. And when we're not using cash, it doesn't feel real. If we're using Apple Pay or we're swiping our card or tapping our card,   It doesn't feel real. In fact, there's no pain sensor that triggers when you do that. The opposite is true on Amazon. When you hit one click ship for $47, a pleasure sensor actually is activated because you're in anticipation of that thing coming to you. So we also have to realize that the more money you make, it feels like, well, the more you have to spend. But because money doesn't feel real, you're spending way more than you think you are.   because of the abstract nature of it. So some of that is like reigning back in and understanding these are real dollars that you're putting on a card or swiping on your phone or whatever it may be and deciding is this the best intentional use of this money or could I be using it to build the life that I truly want? And I will add to that Seth that it's very short. There's a short amount of time that it requires you to function just a little bit differently.   order to get there where all the passive income covers your wants. So just like intentionality for the next 12 to 24 months will make a massive difference in your life.   (Seth Bradley) (43:48.502) Yeah, that's all it takes. All right, let's jump into the freedom four. What's the best thing you do to keep your mind and body healthy?   I am part of an exercise group called F3 and it stands for fitness fellowship and faith. There's like 75,000 guys all over the world that do this every morning. And we get up, you know, rain, sun, sleet or hail. I mean, we were working out in like eight degree Fahrenheit weather this winter outside. It's always outside. And I love it. I do it four or five, sometimes six mornings a week. But for me, just getting up the first hour of my day will   will dictate what the rest of my day does. And so my F3 brothers and I, that's the right way for me to get started.   awesome. With all your success what is one limiting belief that you've crushed along the way and how did you get past it?   you know, this is, this is going to sound a bit like an oxymoron statement, but a limiting belief is that, man, there's so much opportunity. And for me, I'm a bright, shiny object guy. for years, my wife was like, just pick one opportunity, please just pick one. And so for me, it's, you know, it's the fact that there is so much I can do limits me because you can really get very, very good at one thing.   (Adam Carroll) (45:08.078) But I'm a big fan of James Clear and the book Atomic Habits. And he'll say that it's hard to get traction when your focus is divided. And so I've been really intentional about zeroing in on my focus and knowing that this is what I'm setting out to do. And it may be for 12 months or 24 months or five years. And I'll reevaluate along the way. But I've got one thing and I'm really focused on that. So that's been a limiting belief I've had to get over.   Awesome. Awesome. What's one actionable step our listeners can do right now to start creating more freedom?   Well, go to the shredmethod.com not to do a self plug, it is. Go watch the masterclass, see what we do and how we do it. If you are already intrigued by this and are wondering like, what should I do with a HELOC or should I have a HELOC? My answer to everyone is everyone should have a HELOC, everyone. If you have equity in your home, why do you not have a line of credit? If for nothing else to have that is an emergency.   of some kind. So point blank, the first thing you ought to do is go access a line of credit, be it a home equity line, a personal line of credit, a P lock, or a B lock, a business line of credit. can also do a cash value line of credit. But I think you got to have one of those because when you understand this method, this process, that's a linchpin to making this work.   Great. How is passive income made your life better?   (Adam Carroll) (46:42.698) you know, I like to call it mailbox money and, man, love mailbox money. When it shows up, I celebrate and I've, I've had a mantra for years that I'm a money magnet, that money comes easily and frequently, that I get more checks in the mail than I do bills. And I just repeat those mantras over and over again. So every time I set up another form of passive income, man, it's just like a win.   that you feel deep down inside. And it doesn't matter, Seth, if it's 50 bucks or 15 bucks or five bucks or 5,000, right? Total sidebar, real quick story, but I was sitting with a buddy of mine at a conference and he kept showing me his phone and he was clearly showing off. But every time he'd pop up his phone, was like another sale was made. And it'd be like $27, $170, $300. And I go...   Dude, how are you doing this?" And he said, I set up these funnels and it's just a little digital product I created and we're doing ads and we're putting all the people towards these ads. And I said, so how many of those do get a month? He goes, I don't somewhere between $9,000 and $10,000 a month is coming in. And I remember feeling giddy for him and giddy about the idea that this could be possible, that you could just do whatever you want to do every day. Go fishing, go surfing, be on a sailboat somewhere and pull up your phone and be like, well, this is cool. just made...   $800. So for me, we have started to build that into what we're doing. I now get alerts on my Apple Watch. It's a Slackbot. So every time a sale is made, it pops up. we went to Mexico over spring break and the vendors on the Mexican beaches, they bless themselves every time they make a sale. And so now when a sale pops up on my Slackbot,   I'm like, all right, I made a sale. This is awesome. So how has it changed my life? I'm more grateful. I sleep well at night. I have peace of mind. And I know that, you know, future generations are going to be taken care of by the wealth that my wife and I are creating.   (Seth Bradley) (48:45.29) I love it, All right, Adam, this has been incredible. We're going to let listeners find out more about you.   Well, you can find out more about me personally at adamcarroll.info. It's two R's, two L's, adamcarroll.info. And again, if you want to check out the Shred Method, we have lots of free resources. So you can go and do a ton of research. We have a savings analysis there that you can plug in your numbers and see how much you could save and how quickly you could be out of debt. All of that is available at theshredmethod.com.   All right, brother. Appreciate your time. Thanks again for coming on the show and we'll to have you on again soon.   Love it, Seth. Keep doing what you do, man. This is super important stuff.   Alright brother, talk soon.   (Seth Bradley) (49:28.578) Thanks for tuning in to Raise the Bar Radio. If you enjoyed today's episode, make sure to subscribe, leave a review, and share it with someone who needs to hear it. Keep pushing, keep building, and keep raising the bar. Until next time, enjoy the journey. Links from the Show and Guest Info and Links: Seth Bradley's Links: https://x.com/sethbradleyesq https://www.youtube.com/@sethbradleyesq www.facebook.com/sethbradleyesq https://www.threads.com/@sethbradleyesq https://www.instagram.com/sethbradleyesq/ https://www.linkedin.com/in/sethbradleyesq/ https://passiveincomeattorney.com/seth-bradley/ https://www.biggerpockets.com/users/sethbradleyesq https://medium.com/@sethbradleyesq https://www.tiktok.com/@sethbradleyesq?lang=en Adam Carroll's Links: https://www.threads.com/@adam.carroll/ https://www.instagram.com/adam.carroll/ https://www.linkedin.com/in/adamcarrollspeaks/ https://www.facebook.com/AdamSpeaks/ https://x.com/adamcarroll https://open.spotify.com/show/1fPEUnWdnbcOcbYdksY1Yi https://www.youtube.com/channel/UCJREGkPP6UwMucJMPvDS8xg

Title: Build a Bigger Life, Not a Bigger Lifestyle: The Real Path to Freedom with Adam Caroll Summary: In this episode of Raise the Bar Radio, guest (Adam Carroll) shares his journey from a traveling professional speaker to building sustainable wealth through passive income strategies. After realizing the limitations of trading time for money, Adam developed The Shred Method, a cashflow reorientation system that minimizes debt interest and frees up capital to build liquidity and invest. By leveraging lines of credit and algorithm-driven cash deployment, individuals can rapidly pay down debts and reallocate savings into passive income streams like real estate syndications, intellectual property, and other alternative investments. Adam stresses that most high-income earners don't have an income problem - they have a liquidity problem tied up in low-access retirement plans and excessive spending. Finally, he expands on his philosophy of "building a bigger life, not a bigger lifestyle," urging professionals to align spending and time with their values to achieve fulfillment and financial freedom within 10 years. Links to Watch and Subscribe:   Bullet Point Highlights: Trading time for money is limiting. Adam shifted from paid speaking gigs to building passive income streams for true freedom. The Shred Method minimizes interest expenses. By using cashflow more efficiently through lines of credit and optimized algorithms, debt is paid down faster, freeing liquidity for investing. Passive income is key to wealth. Adam focuses on real estate syndications, ATM tranches, intellectual property, and digital products to generate consistent, diversified passive cash flow. Most people have a liquidity problem, not an income problem. Money is often locked in 401(k)s or spent wastefully — instead, creating accessible liquidity allows for opportunity-based investing. Building a bigger life requires intentionality. Aligning spending and actions with core values (like family, freedom, growth) leads to fulfillment — not just more stuff. The game becomes fun. Once passive income starts flowing, investing becomes strategic, diversified, and compounding — eventually replacing active income and creating financial independence. Anyone can implement this. While you can DIY, Adam recommends coaching to fast-track understanding and execution of the Shred Method. Transcript: (Seth Bradley) (00:02.094) What's up, Builders? This is Raise the Bar Radio, where we talk about building wealth, raising capital, and all in all, raising the bar in your business and your life. This is the No BS podcast for capital raisers, investors, and entrepreneurs who are serious about scaling their business and living life on their own terms. I'm (Seth Bradley), securities attorney, real estate investor, and entrepreneur, bringing you world-class strategies from the best in the game.   If you're ready to raise more capital, close bigger deals, build a better you and create true financial freedom, you're in the right place. Let's go. Adam, what's going on, brother? Welcome to the show.   Hey Seth, thanks for having me, man. I'm excited about our conversation today.   Yeah, dude, super stoked to have you on today. It's going to be an awesome show, man. Let's dive right in. Tell us a little bit about yourself, your background. Take it back as far as you want to. Yeah.   Well, for the last 15 years or so, almost 20 now, guess, I've been making my living, opening my mouth and just speaking on stages all across the country. Had the opportunity to do a couple of international gigs, which was a blast. And in the midst of all that, making my living as a professional speaker, I realized that if I was very similar to your audience, if I wasn't doing the deal, doing the gig, doing the engagement, I wasn't getting paid.   (Adam Carroll) (01:26.184) And so a mentor of mine said, the goal is not to go to work and get paid. The goal is to go to work and get paid, get paid, get paid, get paid, get paid, get paid, get paid. And so I started figuring out that what I really wanted to do with the messaging that I was delivering was turn it into sort of a mediapreneurship where I was a mediapreneur creating content, but then I'd get paid for the content over and over and over again. And that today looks like I've written a bunch of books.   I've got a documentary that I produced that aired on CNBC. And now we're starting to get into more of a SaaS business, which I'm sure we'll talk about. That's the shred method. But I, you what I do when people ask me, I tell them, I love to educate people about new and different ways of building a bigger life, not a bigger lifestyle. And I would say you and I have that in common, because I know you're doing that on the show.   Yeah, absolutely, man. I gotta ask, how do you become a professional speaker? I bet a lot of people are thinking about that.   The origin story is kind of interesting because I was a clothier at the time in Denver, Colorado. And I was literally going out and meeting with high level executives in their offices, selling them custom made suits and shirts and sport coats and pants and whatnot. And it occurred to me in the middle of a meeting at one point, an appointment with one of my clients that I didn't want to measure in seams for the rest of my life. And I'll keep it PG but   This guy was one of my favorite clients. He was irreverent and funny and wasn't afraid to spend money on clothes. But this particular day, he confided in me that he wasn't wearing any underwear. And I was just like, dude, JP, what? You knew I was coming here today. He's like, I know, I just forgot. I'm sorry. I'm sorry. And I walked out and I went, I don't want to do this anymore. I just don't want to do this. And the company that I worked for is a fairly well known clothier. But   (Adam Carroll) (03:22.55) Every day I would drive around in my car listening to motivational messages. You know, they were on CDs at the time. I'm going to date myself, but I would listen to like Mark Victor Hansen and Jack Canfield and Les Brown and Zig Ziglar. I would listen to all these CDs in my car. And Mark Victor Hansen said on one of the CDs that public speaking is one of the most noble professions because you get to travel the world. You get to change people's lives and you make a lot of money doing it. And I remember thinking.   That's what I want to do. All three of those things rolled into one. And so I reached out to a buddy of mine and said, dude, I don't think I'm in the right job. I need to be doing something else. He said, what do you want to do? And I told him, and you know how the universe kind of works in mysterious ways. He goes, well, Anne, who used to work with us, she works for a company that that's all they do is hire speakers. And so I sent in a tape, I auditioned, I got the gig.   And I was a W2 employee of theirs for about two years and then realized that I was being underpaid for the work I was doing, that I was actually probably one of the top 10 % of speakers on the roster. And then I realized that when you can make anywhere from a thousand to $5,000 an hour doing that, it was a pretty good paying gig if you were out on your own. I took the jump and have been doing it ever since.   Interesting man. I didn't realize that you could have a W-2 as a speaker I thought everybody that was speaking was getting the speakers that were getting paid, you know They were kind of doing it on their own. I don't realize there was kind of a there was a way to do it where there's a company that pays W-2 wages to speakers to speak it events. Yeah, it's interesting   It is interesting because there are companies that will hire you as a speaker to go and it may be sell their product or service. Or in this case, I was working for a company that was a division of monster.com, the job search company. And I was, I was speaking to high school and college students all across the country. And I probably presented to like 200,000 people in, two years time. So it was just a great practice run and a great way to cut my teeth on a very difficult audience. Because.   (Adam Carroll) (05:36.814) I don't know if you've ever been around a freshman in high school or a sophomore in high school, but they're like the most apathetic human beings on the face of earth. They don't want to be there. I could have lit myself on fire and they'd been like, cool, what else you got? And then when I realized that there were speakers like me that were out who basically just said, this is my topic. This is my specialty, if you will. And here's the rate. And the more they spoke and the...   we have a theory that the more you speak, the more you speak. So once you get out, you hang your own shingle and say, I'm a speaker in this topic, people begin to know you as that person. And then word gets around and obviously you have to not suck on stage. That's part of it. But if you're great at keeping audiences attention, and I really studied NLP, neuro-linguistic programming to use the right words, I studied comedians to figure out what was funny and what wasn't, and it just worked.   Over time, I had more more bookings and at the peak of my career, I was doing like 70 or 75 gigs a year.   Wow, wow, that's incredible. Definitely didn't realize that was your background. I remember those folks coming to like the office and selling suits and doing that sort of thing. So that's pretty interesting. I'm sure a lot of listeners out there are familiar with that process as well.   Yeah. Yeah, it was, it was a great, it was a great gig. mean, I met all sorts of really phenomenal business people. And I think for me, it was, it was like confirmation that I had this desire to, to impact people. And my boss at one point, he was like, Hey, these people love you. They want you to come around. They love the discussion and the conversation. They need to buy stuff from you. And, and there was a.   (Seth Bradley) (07:01.639) sorry, go ahead.   (Adam Carroll) (07:26.574) It's kind of a realization for me that I didn't necessarily want to have to sell. wanted people to buy. And speaking makes it real easy to do that.   Hmm. Yeah, makes sense. Let's jump right into it, man. Let's talk about the shred method. A lot of folks will find this very interesting. I know that I do. What is it? And let's just start there. What is it? Tell us a little bit about it.   Yeah, the shred method, first of all, thank you for asking. it's, it's, for me, I don't say this lightly, but nothing has built more wealth for me and my family than following this model. And the reason for it is there are two great expenses that everyone has in life. And I'm sure all of your listeners, be they attorneys, doctors, other professionally degreed folks.   If you're in a W-2 job, you know this to be true. The two greatest expenses we have in life are taxes and the interest expense on debt. Those are the two greatest expenses. And a gentleman that I had met years ago who helped me with tax situations, just a brilliant, brilliant strategist, he said, Adam, if you focus on minimizing your tax liability, that will get you halfway there. And it's very easy to do, buy real estate, have depreciable assets.   you know, make personal expenses, business expenses, etc, etc. But he said, if you can focus on minimizing the interest expense on debt, this is like a video game that you can't lose. And so when I learned about the shred method, and this is known by a variety of different terms, some people call it an Australian mortgage, it's called velocity banking, we've taken those concepts and turbocharged them.   (Adam Carroll) (09:09.474) almost like putting nitrous oxide in a gas tank, you know, in terms of making it go faster. But the shred method is a unique tool and a way of reorienting your cash flow through your household so that it is being used to the most efficient use possible. And to kind of qualify that, Seth, if you were to leave your home in the morning to go to the grocery store, as an example, and you came back home, emptied the car out,   knowing you had to go to post office at like 4 p.m., would you leave your car idling in the driveway all day?   (Adam Carroll) (09:46.284) Nope. No, and why wouldn't you?   Wasteful.   Yeah, wasteful, you'd burn gas, it'd be hard on the engine. It's just inefficient, right? And yet what most people do is they get their income, their income gets deposited into a checking account, and it sits there for days, weeks, months, sometimes years on end. And we never really use it to its highest efficiency. Meanwhile, we might have debts, commercial debts, primary mortgages, might have student loans yet. And all of those are accruing amortized interest.   right? And you might say it's compound interest working against you to a certain extent. But at the very least amortized interest means that the majority of the interest you're paying on that debt is upfront, it's in the first one to five years. And so the shred method teaches people how to take that income that is being super inefficient in an account, and instead begin to apply it through a process that allows you to blast away   the highest interest or highest payment debts that you have, freeing up cash flow, building equity, and ultimately, and this is the key, creating liquidity to go buy passive income properties, if you will, or other passive income plays.   (Seth Bradley) (11:02.058) Interesting. Yeah, and we actually haven't had anyone on the show to speak about this method, whatever nomenclature you might use. So let's go in a little bit more detail. mean, what is the vehicle? What is this flow of money that you're talking about?   So, know, logistically, here's how it works. Money typically would just get deposited into checking. You pay everything out of checking your mortgage, your car loan, your credit cards, living expenses. And the gurus would tell you that anything extra should really go towards savings and investments, right? And for most people, it goes to Costco, Target and Dining Out. That's where it goes. You know, it doesn't stay in the account, doesn't go into savings. If it does, it goes there for a small period of time. I think that most people   don't really have a savings account, they have a put and take account, because they put a little bit in, take a little bit out, put a little bit in, take a lot out. So the way this works is the money instead of being deposited straight to a checking account gets deposited into what we call a shred account. And the shred account could either be a line of credit, or it could be just a side account of money that you have sitting there that has not been accessed in some time. And what we tell our users is that   you really want to have either a line of credit or a shred account that is one and a half to two times what your monthly net take home is. So if you're bringing home 10 grand a month net, then ideally you want either a line of credit or a shred account of 15 to 20 grand. And the magic of this is the money is going to flow into that account. But the shred method is powered by a piece of software that is based on an algorithm that's tracking your income.   your expenses, the interest that you're paying on all your debts, and how much discretionary money you have available at any given point in time. And essentially, we're leveraging that in really short bursts of time against your largest debts, which could be, again, student loans, could be your mortgage, could be commercial properties. And in doing that, what we're doing is we're saving copious amounts of interest, like literally tens to hundreds of thousands of dollars.   (Adam Carroll) (13:11.122) And in the process, we're freeing up a ton of equity. So people that are saying, hey, I'm paycheck to paycheck. It's hard for me to figure out how am I going to invest more money? We're telling them the money is going to come from the equity that you're creating in your properties by paying them down rapidly.   I love that because I can see where this is going to potentially free up some extra cash to invest. A lot of folks out there, including myself back in the day, we got caught up in this thing we call the golden handcuffs where we're just spending everything. Like you said, we're spending it on Target, on eating out, on things that we really don't need. mean, there's a time and place for spending money on having a good time and enjoying your life for sure.   But we just we tend to overdo it as our income grows our expenses grow right along with it And a lot of people that I talked to about investing they're like, you know I don't have fifty thousand dollars to invest in this real estate deal or a hundred thousand dollars in this real estate deal and it's like well Well, why don't you you know make three hundred thousand dollars you why don't you have fifty thousand dollars to invest in this awesome deal? Right or to you know, put aside for your emergency fund. Like why don't you have these things set up?   So, you know, we always have to walk them through, you know, the expenses is the issue. Really, it's what are you spending all this money on? we try to find how they can save on those expenses so that they can invest in these assets that are really going to set them financially free.   No doubt. And I think you hit the nail on the head. If somebody's making, and honestly, I tell people if you're making six figures plus $100,000 plus, and you don't have 10, 20, $50,000 ready to go, there's something fundamentally wrong. And here it is, we're sending too much money to our banker, and it just goes up in smoke. Right? We like to refer to it as the interest to income ratio, which is if you take how much income you make,   (Adam Carroll) (15:11.694) and you back out how much of that income is actually going to pay interest expense, it'll probably blow your mind. If someone's got a multi-six figure home or mortgage that they're paying on, and they've got student loans, and maybe they're driving a $50,000 to $100,000 vehicle with a payment attached to it, you're probably burning 50 to 60 grand a year in interest and not really thinking twice about it. So what this does is it starts to claw back some of the money that you're sending to your banker.   Which by the way, they make plenty of money. They don't need your money. That is the most profitable business out there is banking and lending. mean, literally, Seth, if you drive two miles around your property there, how many banks would you be able to stop at, do you think? Ballpark best guess.   Right, half a dozen.   Easily, right? And they're probably $10 million buildings minimum. Out there, they're even more, right? So, so this is the deal. They're profitable business ventures. And what we have to remember sometimes is we are their compound interest vehicle, right? Us making our payment every single month is what makes the banks all the money. And if we can game that system, if even for 12 to 18 months at the very beginning of our debt,   we can strip away a huge chunk of the interest that we would normally be paying them over the course of a decade or more. To your audience, that's how I'd say this is how you find the extra 50 or 100 grand because you do have it and it should be in the equity of your property and easily accessible as a liquidity tool. It just isn't because you haven't challenged the banking system.   (Seth Bradley) (16:57.073) Yeah. Now, is this something you can set up yourself or is this something that you need an expert to kind of walk you through? I'm sure if you could probably do it either way. It's just like anything else. You want to take the shortcut or not. But yeah, I just like to know your thoughts on that.   You're exactly right. I I could build a deck on my house if I wanted to and had three months to learn how to do it. Anybody can learn how to do this. My question to most people when they say, I do this myself? I'll say, yes, why haven't you? And for that, the investment with us is very minimal, mainly what it is is coaching and being able to help people get the logistics right. Because once they get it, it's very simple.   but there requires a little bit of retraining the brain in terms of how to handle your money and where the cash flow goes, because it's so, it's like so ingrained in us to live in the banker's business model, put money in checking, pay your bills, anything leftover goes over here. And if you look at it critically, the two groups that are really making money using the existing platform are bankers,   and any advisors that are accepting your money and then turning around and doing something with it. A friend of mine used to call it the helper class. So when the helper class has your money, they're making a ton of money, probably more than you are. And that's our goal is to begin to start to pull back some of the money from the helper class to keep it for ourselves to build those massive passive permanent streams of income.   Yeah, yeah, that makes sense. We tend to bash a few of those helper class folks. I mean, they're not all created equal, including some financial advisors and folks like that that, you know, they're okay people, but their interests aren't necessarily aligned with yours.   (Adam Carroll) (18:51.576) That's right. I would agree with that. I don't want to villainize them, but I think that personal finance is personal. The challenge that I have with anyone out there who espouses a certain way, mine included, is it has to be for the right kind of audience, the right avatar. From our perspective, the people that we help out are the ones who do want to break free from the W-2. They want to create massive passive permanent streams of income.   Over time, they'd like to build a bigger life, not a bigger lifestyle. So if someone's chronically overspending, got to have the newest of the new every single time, they may not be a perfect fit with our strategy because the goal is to continually increase your income while either keeping your expenses similar or even trending down over time, which is not to say that you can't expand where you're spending. Your income is increasing exponentially relative to your expenses.   we do that through the model that we're teaching people. So, you if you're a new car every six months or 12 months kind of person may not be a perfect fit. But if you're somebody who's like, hey, the debt's kind of oppressive, I want to get rid of it. And I want to build, you know, massive wealth for future generations, then generally speaking, we're a pretty good fit for for those folks.   Yeah, yeah, that makes a lot of sense. And I feel like there's, there's probably, it's probably a math equation, right? Like we can't necessarily do it on this show because it's, everybody's taking it in by audio for the most part. there's gotta be an algorithm and you could probably, you know, set those expense numbers and interest numbers that you're paying on your mortgage and other debts and what you're going to pay on that through the shred method and kind of see the savings and how you can grow that wealth year over year.   You're exactly right. It is super fluid. So if your income changes, your expenses change, we plug all that data in and hit recalculate and the thing automatically adjusts to whatever your expenses are. So one of the things that I would never fault anyone for is taking awesome vacations or buying a new car, whatever your choice is. Again, we're not going to villainize anyone for living their life.   (Adam Carroll) (21:06.67) But what we can do through shred is to say, hey, if you're going to drop 10 grand on a vacation, it's going to change your payoff by a month or two months or six months, depending on your income and discretionary income. And if someone knows that and they're planning on it, at least they're armed with that information as opposed to, gosh, we shouldn't do this, but we did or should we buy this $50,000 card? Does it make sense? Or 80 or 150 or whatever your number is.   We can show you exactly do it, just know this is what it changes in the process.   Yeah, yeah, I like that because you can just show them this is the impact it's going to have on paper before they do it and then you can make a better decision on whether or not you want to do that or not.   Absolutely. And furthermore, and you'll appreciate this, I know you're of this mindset, you'll get to a point where it's like, if you want the new car, then invest the money in a syndication or another property that puts enough money in your pocket, you can go pay for the car. But let your assets pay for your liabilities. And I think that's the main thing that many people, I'm sure your listeners, certainly folks that we engage with.   They don't have a lot of assets. They work hard, they make good money, but that is the sum total of their income, is active income. And our goal is to increase passive income over time where it supersedes your expenses because at that point you're financially free.   (Seth Bradley) (22:36.758) Right, right. What are some of the passive investments that you're involved in or that you recommend to people once they've implemented this system and they're trying to build those passive income streams?   Yeah, there are a number of them and I keep getting introduced to more and more all the time, Seth. I mentioned that, you know, that I was a mediapreneur and that the goal was to work, do the work and then get paid, get paid, get paid, get paid. So I started looking for other passive income streams. I really do love real estate. I've been invested in real estate for a long time. We divested of personally held real estate about four or five years ago. And   You know, I think I was too early to the party, but I thought the market was peaking and I thought I could get the max amount out of my properties. And I think I did at the time. And then we were introduced to syndications and we started really appreciating the fact that you could own a piece of a 350 unit apartment complex in South Carolina or Houston, Texas, or some other growing city and get a couple things, either monthly or quarterly income. You could get bonus depreciation.   And you basically got a K1 at the end of the year, which allows you to claim some of those expenses. And so we love syndications. We try and stack syndications on top of each other. they're coming due. They're selling every three or four or five years. So we'll put an amount of capital in knowing that it's going to turn over in short order. And we'll have another amount of capital to put in. And generally speaking, that capital amount just keeps going up.   So we love syndications. I've been introduced and we haven't pulled the trigger yet, but on ATM tranches where you can buy, have you heard this investment? Yep. So you can buy, you know, an amount of ATM machines where you're basically compensated on whatever the fee revenue on those are. There are many advantages to those. There are some drawbacks to it, but it's again, a passive income stream and one that's fairly consistent.   (Seth Bradley) (24:25.798) yeah, for sure.   (Adam Carroll) (24:44.59) Then I really like intellectual property plays. I will tend to invest in a business that has some IP and it may not cashflow right away, but I know that in two or three years, the IP is probably going to be worth something. It's more of a long-term play for me. I'm not going to put as much in it, but we have a couple of 25 to $50,000 investments in those kinds of deals as well. That, in addition to books and   documentary is still selling and things like that I'll keep doing. For me, the process of creating passive income is kind of a game. And so whatever the next thing is, I'm digging in, I want to learn it. total sidebar, but I'm trying to teach my sons and my daughter, this is the way of the future. It's not about working a nine to five and getting W2 and staying with the company for 30 years, it just doesn't happen anymore. It's about setting up   just perpetual income streams that allow you to live the way you want to live. And that, you know, I think that answers your question, hopefully.   (Seth Bradley) (25:52.174) Pardon the interruption, but we don't do ads. Instead, know that if you're raising capital for real estate, my law firm, RaiseLaw, is here to give you the expert legal guidance you need to raise capital compliantly and structure and close your deal. And if you're looking for a done-for-you fund-to-fund solution, Tribest is the industry's only all-in-one setup and fund administration solution. Visit Raise.Law and Tribest.com to learn more.   Yeah, yeah, that's right. You're preaching to the choir here, man. That's awesome. And you're kind of pretty deep into it. A lot of people will invest in a syndication and it is expensive to get involved, right? I mean, it's 50 grand or so or more to get into one of these things. And they're like, okay, I'm done. But you can't be done. You have to keep saving, keep investing. And you're in it to the point where past investors start really start accumulating wealth because they start stacking.   They start coming due every two, three, four, five years. You put it back in another one and they just compound on each other. And you're really accumulating this tax free if you stack them correctly. So it is an incredible vehicle once you get going. And it does turn into a game. I mean, you can look at your bank account or look at your personal P &L and just see how it's growing over five, 10 years. It's incredible. And you're not doing any work. You're vetting the sponsor, the market and the deal and really just the sponsor once you get really good at it.   and you keep reinvesting with the same sponsors that you like and there's no work involved, no tenants, toilets and trash, none of that.   Yes. Yes. And I think you hit the nail on the head when you find a sponsor you really like and you jive with, it's easy to roll the money over to them because they're constantly looking for the next deal. their reputation, their personality, everything is based on their success. they have a very, very vested interest to make you money. And so I don't think I fully realized when I was younger   (Adam Carroll) (27:50.35) the power of having the ability to write a 50 or $100,000 check. And once you get there and you can do 50 or 100 or get to a point where you can write a $500,000 or a million dollar check, things change drastically because there are syndicators out there that will take a million bucks. They'll pay you $90,000 a year guaranteed on the investment. You'll get bonus depreciation and write-offs and all of that. And you'll have like a...   200 % return on it within four or five years, three, four or five years. That's where you can buy a new car every year or two or three, because you need like a $75,000 or $80,000 write-off to your business. So you need a truck or you need a heavy vehicle,   Yeah, yeah, that's right. I mean, that's a good point. mean, people that have $500,000, a million dollars or more liquid, I mean, you can just look at a simple math and you get an 8 to 10 % return on that in cash flow, just in cash flow. You know, if you're living reasonably, you can live off of that. So, yeah, so you can be, you you don't need $10 million, $20 million to retire off of this if you invest in the right deals.   Totally. Totally.   (Seth Bradley) (29:03.926) and kind of spread it across, diversify in different deals, different sponsors, different geographies, different asset types. You can be retired if you want to. It's closer than people think.   I would agree. We have a theory that nearly everyone and certainly your audience could be free, done, done completely in 10 years or less. Absolutely. We call it a 10-year freedom plan. the challenge, think, Seth, and I would be curious your take on this, but I think the challenge for most people is not necessarily an income problem. It's a liquidity problem. So you make good income, right? And we talked about it. It's the expenses that factors in.   But where the majority of your investments go are probably in qualified funds. They're sitting in 401ks and Roth IRAs. Unless it's self-directed, you can't really access it till you're 59 and a half. And even then it's 59 and a half to 70 and a half, you have free rein access. Otherwise the government's regulating how much you take out without fees or penalties. That's a liquidity problem. And so the shred method takes that into account and starts to build   pockets or buckets of liquidity that you can draw from. The first is your home equity, or it could be equity in a commercial property. And then the next would be building a bank of money that you're borrowing from at some point in time, just another bucket. And the more buckets of money that we create, the more liquidity you have and the more investments you can get into, thereby increasing your passive income. So to your point, you do this well, it's like a video game you can't lose over time.   Yeah, yeah, that's right. And we've been programmed to think if we have a high paying job, we just put as much as we can into a 401k and we're doing the right thing and we're doing everything that we need to do and we're not and then everything that doesn't go into that 401k we're spending. So we're not saving anything else. We're not keeping anything else liquid. And we're just assuming that we're going to be okay because we put this money in the 401k. Well, like you said, you can't access it until you're 60 years old. That's right. Unless you take it out with a major penalty. So   (Seth Bradley) (31:10.062) You know, one way to do that obviously is to roll it over in an SDIRA or self-directed, I'm sorry, 401k, the self-directed, something that you have some control over. And then it does become liquid in the sense that you can at least invest it in things that you want to invest in rather than a financial advisor or just stocks, bonds and mutual funds. And then as you said, there's different ways that you can free up liquidity, a HELOC.   something like that borrow against a life insurance policy we've talked about infinite banking policies things like that there's there's creative ways to do it you just need to be aware of it most people just aren't aware of how to how to do that   Yeah, I think that's what's so valuable about your show too, man, is that we only know what we know. And there's an enormous amount that we don't know we don't know. So when I got introduced to syndications, and I got introduced to the ATM tranches, and I'm looking at these going, you know, there is risk, there's risk in everything. But the risk is so mitigated. And you don't realize that if you're writing $100,000 check, and they're saying, yeah, we're going to pay you 9 % guaranteed.   And these are some syndicators will promise an interest rate based on what class of investor you are, A, B, C, D, whatever it may be. But when I looked at that and I go, if I'm striving to get eight to 10 % in the S &P 500, and I have zero control over that, where would I rather be placing my money? That was something I didn't know I didn't know. And it's always fascinating to me to begin sharing this with people because   When I share the shred method, a lot of folks go, not too good to be true. If it's so good, why isn't everybody doing it? And what I'll tell them is because of human behavior and because the bank's lobbies and their marketing engine is so powerful. But it's not magic, it's math. We're taking mathematical principles, risk-based principles and applying it to real estate or finance and figuring out how to make an amount of money that will supersede what you're.   (Adam Carroll) (33:13.782) your W2 job is pretty simple. That's right. Yeah.   Yeah, pretty simple. It's math. Just got to get it down on paper, right? Yeah. All right. Let's switch gears a little bit. I want to quickly get into, you know, this concept that you preach about building a bigger life at work because I think that's, you know, inspiring and that sort of thing and really life in general, right? Tell us about that concept and kind of dive in a little bit.   Yeah.   (Adam Carroll) (33:37.964) Yeah, you know, this started, it would actually started from a conversation I had with a recent college graduate, and they had gotten an advanced degree, they were going into a high paying job. And I think they'd been at it for maybe nine months or so. And we were having coffee and this person said to me, I'm just not satisfied. And I said, Well, what what is it you're not satisfied with? And they said, Well, the issue is that I thought at this point in time after graduating, he'd be traveling the globe.   You know, that was what he had always romanticized was just tons of travel and do whatever he wanted to do. And I said, well, what's keeping you from that? And he goes, well, you know, I just got into this long-term lease apartment. go, okay. And he said, and I bought a bunch of furniture that I financed. And, and then it's like, okay. He goes, I have a couple of gym memberships, not one, two gym memberships, you know, each probably 80 to 120 bucks a piece a month had a car payment because he needed a fancy car. And I said,   Dude, it sounds to me like you're building a bigger lifestyle, not a bigger life. And what you're asking for is a bigger life. And that became almost a deep dive search for me on what would building a bigger life mean for me and my family. And what I did, Seth, was I started digging into what are my core values? How can I live according to those core values, not according to my neighbor's core values, you who may be drastically different than mine? And...   I ended up writing a book called The Build a Bigger Life Manifesto, which breaks down how do you do this step by step. And there are 10 core tenets. And the first one is you got to build on a strong values foundation, like understanding what is it truly you value in life. And if you're doing more of that, then your life should be fulfilling. And mine are family, freedom, love, growth, and connection. And if I'm fulfilling those five buckets on a weekly basis, generally speaking, I'm really fulfilled.   And so the second is have a bigger vision and a bigger vision for your life might mean I'm not going to stay in this job for the next 20 years and hopefully make partner. then hopefully, because we all know that as you get promoted in a W-2 job, it doesn't mean you work less. It means you work more. And so my bigger vision was I want to make my vocation, my vacation. I'm going to speak, but I'm going to speak in cool places that I can take my family to. People are going to pay me really well to do it.   (Adam Carroll) (36:03.368) and I'm going to do it X number of times a year. And then I started asking, and this is the third step, asking bigger questions. And bigger questions look like, okay, so if I wanted to do that, how would I get better at speaking? How would I get so good that people will pay me 10 or 15 or 20 grand to go do what I do for an hour? What would that look like? I started asking not how would I pay my house off early? How would I pay my house off by the end of this year?   And when I asked that question, answers started coming and we were able to do it. So this is kind of the layout of how we walk people through this process. And for me, a bigger life today is just that, you know, I live for my family. I want to travel with them. I want to have tons of fun with them while they're still in the house. I have two teenagers and one in college. And soon, you know, eventually they'll be gone and it'll be my wife and I going and living the life that we most want.   Our lifestyle right now is pretty locked in. We have a beautiful home, we drive nice cars, but everything's paid for. And at this point, the goal is just to continually create massive passive permanent streams of income that afford us the ability to be generous, to live the life we want. And ultimately for me to be able to go share that message with other people.   And something so simple that you did there, it's just, you know, ask yourself what's important. A lot of us don't take the time to think about why we're upset, why are we not happy. And a lot of it comes down to not filling those buckets that are important to us on a regular basis. to be able to figure that out, you've got to take a few moments to think deeply about what it is that's important to you.   100%. And I'll give you a great example, Seth. One guy that we worked with, he realized that one of his core values that was not being fulfilled was adventure. So he loved his job and he goes, I don't know what it is, I'm just dissatisfied. And we went through the values assessment and adventure was on there. I go, well, where are you getting adventure? And he said, you know, that's the problem. I'm not, I haven't had an adventure in two years. I said, so maybe in building your life,   (Adam Carroll) (38:21.538) we need to figure out where are you carving out adventure for yourself or your family to make sure that you're doing it. For him, community was a big part of it. And he was getting some of that in his day-to-day client interactions. But what he really wanted was to build a community of friends that would go do stuff together. And I said, that's on you, man. If you really want that as part of your life, you got to build whatever that looks like.   And what if you combine that and adventure? So you get a whole group of adventure seekers that get together three times a year to go skiing in Aspen or, you know, go skydiving on a weekend or whatever it is. What would that look like to do that? And he lit up and you know, I could do this right now. So to your point, I think we're all very, very close to having a fulfilled life and building a bigger life. But you do have to take time to figure out what does that look like for you.   For sure, for sure. And a lot of the folks listening are attorneys and doctors and they tend to have high suicide rates, all these crazy things, substance abuse. people from the outside looking in think, why? Because you're making all this money. You have this high profession that everybody looks up to and you're not unhappy. And that's why, because those folks...   folks like us, we're just really focused on just that occupation. And that's it. And we don't focus on some of the other things that would fulfill us and make us happy. tons of attorneys I talk to try to get, they're like, how do I start investing as quickly as possible? Make as much money as quickly as possible so I can get out of this job because I hate being an attorney or I hate being a dentist or whatever it is. But really, that might not be the issue. The issue is that you're not filling up those buckets outside of your   career. And if you were to start filling those buckets, start paying more attention to those things, you might not be as unhappy in your career. And you might actually find that you enjoy what you're doing because you're good at it. You worked really hard to get there and you're making a good bit of money doing it.   (Adam Carroll) (40:22.06) No doubt, no doubt. I would add to that, that I think the majority of professions that you just listed, dentists, doctors, lawyers, et cetera, what they really want is they want to maintain professional status, do what they do, they've gone to school, they've learned how to do it. But over time, they want to work less and less, not more and more. And if you're doing what you recommend on the show, and if you're leveraging something like the shred method to create it, you can get to a point where   half or more of your income, ideally all of it, is replaced by passive income. But it requires that you get really focused on working for the right reasons and not filling in the lack of fulfillment or unhappiness with a new car or the next do-dad or spending a fortune on something. Instead, decide, I'm going to go get into an investment this year that will begin the process of creating passive income for me to start building the life that I truly want.   And it is, it's pretty transformational once you figure out how to do it and what the next steps are.   Yeah, it's like the matrix. mean, you start kind of, as soon as you start, it becomes a game, how you said it earlier in the show, and you just start seeing things that you didn't see before. You start being presented with new types of investments and businesses that you can invest in that you never saw before, but they were right under your nose. It does turn into a fun game, a money game.   Yeah, no question. I was at a conference not too long ago and they were calling me Morpheus because I made a reference to the red pill or the blue pill. And they were like, dude, you're Morpheus. I just took the red pill. Now I'm going down the rabbit hole. So beware. Are you ready to take the red pill?   (Seth Bradley) (42:08.374) Love that, love that. All right Adam, before we jump into the freedom four, what's one last golden nugget for our listeners?   A golden nugget for your listeners is that money today is abstract. It's not a concrete thing. Several decades ago, you would be given cash or you'd pay for things in cash. And today, virtually everything is a cashless transaction. And when we're not using cash, it doesn't feel real. If we're using Apple Pay or we're swiping our card or tapping our card,   It doesn't feel real. In fact, there's no pain sensor that triggers when you do that. The opposite is true on Amazon. When you hit one click ship for $47, a pleasure sensor actually is activated because you're in anticipation of that thing coming to you. So we also have to realize that the more money you make, it feels like, well, the more you have to spend. But because money doesn't feel real, you're spending way more than you think you are.   because of the abstract nature of it. So some of that is like reigning back in and understanding these are real dollars that you're putting on a card or swiping on your phone or whatever it may be and deciding is this the best intentional use of this money or could I be using it to build the life that I truly want? And I will add to that Seth that it's very short. There's a short amount of time that it requires you to function just a little bit differently.   order to get there where all the passive income covers your wants. So just like intentionality for the next 12 to 24 months will make a massive difference in your life.   (Seth Bradley) (43:48.502) Yeah, that's all it takes. All right, let's jump into the freedom four. What's the best thing you do to keep your mind and body healthy?   I am part of an exercise group called F3 and it stands for fitness fellowship and faith. There's like 75,000 guys all over the world that do this every morning. And we get up, you know, rain, sun, sleet or hail. I mean, we were working out in like eight degree Fahrenheit weather this winter outside. It's always outside. And I love it. I do it four or five, sometimes six mornings a week. But for me, just getting up the first hour of my day will   will dictate what the rest of my day does. And so my F3 brothers and I, that's the right way for me to get started.   awesome. With all your success what is one limiting belief that you've crushed along the way and how did you get past it?   you know, this is, this is going to sound a bit like an oxymoron statement, but a limiting belief is that, man, there's so much opportunity. And for me, I'm a bright, shiny object guy. for years, my wife was like, just pick one opportunity, please just pick one. And so for me, it's, you know, it's the fact that there is so much I can do limits me because you can really get very, very good at one thing.   (Adam Carroll) (45:08.078) But I'm a big fan of James Clear and the book Atomic Habits. And he'll say that it's hard to get traction when your focus is divided. And so I've been really intentional about zeroing in on my focus and knowing that this is what I'm setting out to do. And it may be for 12 months or 24 months or five years. And I'll reevaluate along the way. But I've got one thing and I'm really focused on that. So that's been a limiting belief I've had to get over.   Awesome. Awesome. What's one actionable step our listeners can do right now to start creating more freedom?   Well, go to the shredmethod.com not to do a self plug, it is. Go watch the masterclass, see what we do and how we do it. If you are already intrigued by this and are wondering like, what should I do with a HELOC or should I have a HELOC? My answer to everyone is everyone should have a HELOC, everyone. If you have equity in your home, why do you not have a line of credit? If for nothing else to have that is an emergency.   of some kind. So point blank, the first thing you ought to do is go access a line of credit, be it a home equity line, a personal line of credit, a P lock, or a B lock, a business line of credit. can also do a cash value line of credit. But I think you got to have one of those because when you understand this method, this process, that's a linchpin to making this work.   Great. How is passive income made your life better?   (Adam Carroll) (46:42.698) you know, I like to call it mailbox money and, man, love mailbox money. When it shows up, I celebrate and I've, I've had a mantra for years that I'm a money magnet, that money comes easily and frequently, that I get more checks in the mail than I do bills. And I just repeat those mantras over and over again. So every time I set up another form of passive income, man, it's just like a win.   that you feel deep down inside. And it doesn't matter, Seth, if it's 50 bucks or 15 bucks or five bucks or 5,000, right? Total sidebar, real quick story, but I was sitting with a buddy of mine at a conference and he kept showing me his phone and he was clearly showing off. But every time he'd pop up his phone, was like another sale was made. And it'd be like $27, $170, $300. And I go...   Dude, how are you doing this?" And he said, I set up these funnels and it's just a little digital product I created and we're doing ads and we're putting all the people towards these ads. And I said, so how many of those do get a month? He goes, I don't somewhere between $9,000 and $10,000 a month is coming in. And I remember feeling giddy for him and giddy about the idea that this could be possible, that you could just do whatever you want to do every day. Go fishing, go surfing, be on a sailboat somewhere and pull up your phone and be like, well, this is cool. just made...   $800. So for me, we have started to build that into what we're doing. I now get alerts on my Apple Watch. It's a Slackbot. So every time a sale is made, it pops up. we went to Mexico over spring break and the vendors on the Mexican beaches, they bless themselves every time they make a sale. And so now when a sale pops up on my Slackbot,   I'm like, all right, I made a sale. This is awesome. So how has it changed my life? I'm more grateful. I sleep well at night. I have peace of mind. And I know that, you know, future generations are going to be taken care of by the wealth that my wife and I are creating.   (Seth Bradley) (48:45.29) I love it, All right, Adam, this has been incredible. We're going to let listeners find out more about you.   Well, you can find out more about me personally at adamcarroll.info. It's two R's, two L's, adamcarroll.info. And again, if you want to check out the Shred Method, we have lots of free resources. So you can go and do a ton of research. We have a savings analysis there that you can plug in your numbers and see how much you could save and how quickly you could be out of debt. All of that is available at theshredmethod.com.   All right, brother. Appreciate your time. Thanks again for coming on the show and we'll to have you on again soon.   Love it, Seth. Keep doing what you do, man. This is super important stuff.   Alright brother, talk soon.   (Seth Bradley) (49:28.578) Thanks for tuning in to Raise the Bar Radio. If you enjoyed today's episode, make sure to subscribe, leave a review, and share it with someone who needs to hear it. Keep pushing, keep building, and keep raising the bar. Until next time, enjoy the journey. Links from the Show and Guest Info and Links: Seth Bradley's Links: https://x.com/sethbradleyesq https://www.youtube.com/@sethbradleyesq www.facebook.com/sethbradleyesq https://www.threads.com/@sethbradleyesq https://www.instagram.com/sethbradleyesq/ https://www.linkedin.com/in/sethbradleyesq/ https://passiveincomeattorney.com/seth-bradley/ https://www.biggerpockets.com/users/sethbradleyesq https://medium.com/@sethbradleyesq https://www.tiktok.com/@sethbradleyesq?lang=en Adam Carroll's Links: https://www.threads.com/@adam.carroll/ https://www.instagram.com/adam.carroll/ https://www.linkedin.com/in/adamcarrollspeaks/ https://www.facebook.com/AdamSpeaks/ https://x.com/adamcarroll https://open.spotify.com/show/1fPEUnWdnbcOcbYdksY1Yi https://www.youtube.com/channel/UCJREGkPP6UwMucJMPvDS8xg

Wolf and Luke react to Corbin Carroll being placed on the injured list and talk to Sports Illustrated NBA Draft expert Kevin Sweeney.  

U16 Head Coach Jamie Caroll-Rolfe joins Zarek to discuss the path to coaching and youth development both on and off the field as well as the upcoming MLS NEXT Cup.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Dan Carroll fills in for the Great American with the latest in news, politics, and sports.

Dan Carroll fills in for the Great American with the latest in news, politics, and sports.

Dan Carroll fills in for the Great American with the latest in news, politics, and sports.

Bickley and Marotta talk Suns, NBA, and go through D-Backs Daily.

The weekly news analysis from I Hate Politics: Washington DC loses its AAA bond-rating. Montgomery County Executive Marc Elrich is withdrawing proposed property tax increase and will instead propose raising county income tax. The Blueprint Accountability and Implementation Board is Maryland is redefining school poverty such that Montgomery and Caroll counties are seeing increases and Baltimore City is seeing decrease. One stairway reduces building costs but also reduces the margin of error on safety. The National Fire Prevention Association is thinking about the balance. The bizarre story of the murder of half a million bees in Stafford, Va. And more. Music by Seth Kibel and Friends.

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Think you know what it takes to heal from trauma, illness, or mental health struggles? Think again. In this jaw-dropping episode of Mental Metals , host Asekho sits down with a guest who's been through it ALL—stage 4 cancer (twice!), religious trauma, addiction, and the constant battle to reclaim her sense of self.You'll hear shocking truths about why society's advice on “staying positive” often fails us, how childhood wounds shape our adult lives, and why letting go of control might just save you. Plus, discover the Japanese art of Kintsugi —a metaphor for turning brokenness into beauty—and learn why YOU are already perfect, whole, and complete, no matter what anyone else says.If you've ever felt invisible, stuck, or unsure of who you truly are, this episode will light a fire inside you. Get ready to rethink everything you thought you knew about healing, resilience, and loving yourself unapologetically. Hit play now—you won't regret it.Sponsors and important linksSubscribe to my newsletter: asekhos-newsletter.beehiiv.com/subscribe if you are interested in newsletter beehiiv is the place to go: www.beehiiv.com?via=Asekho-TotoWant to be a guest on Mental Matters Hosted By Asekho Toto? Send Asekho Toto a message on PodMatch, here: www.podmatch.com/hostdetailpreview/1604880114184x746605277921114400You can buy my book on Amazon: www.amazon.com/gp/aw/d/B08BRLN7QV/ref=tmm_pap_swatch_0?ie=UTF8&sr=

  On this episode of Unsupervised Learning Razib talks to Conn Carroll, the author of Sex and the Citizen: How the Assault on Marriage Is Destroying Democracy. Caroll is currently an editor for the Washington Examiner, but previously he was the communications director for Senator Mike Lee of Utah, an assistant director at the Heritage Foundation, White House correspondent for Townhall.com and a reporter at National Journal. Carroll wrote Sex and the Citizen in response to what he felt was misleading and biased reporting in the mainstream media on the origins and implications of marriage and monogamy. Razib asks Carroll how he refutes the ideas presented in Christopher Ryan and Cacilda Jethá's Sex at Dawn, which argues that prehistoric humans were non-monogamous. Carroll outlines the current mainstream thinking in evolutionary anthropology and primatology, and all the biological reasons that indicate that Homo sapiens is far more monogamous than our common chimpanzee and gorilla cousins, most clearly in our reduced sexual dimorphism. But while our hunter-gatherer past was defined by monogamy, Sex and the Citizen argues that the rise of agriculture resulted in the explosion of polygamy, as high status males in societies defined by incredible inequality began to monopolize access to women, culminating in the explosion of Y chromosomal “star phylogenies,” where supermale lineages exploded all over Eurasian 4,000 years ago. Carroll then explains that the Romans and Greeks took steps toward enforcing monogamy as a legal institution, and Christianity introduced the idea of sexual fidelity upon men. After Christianity popularized egalitarian monogamous marriage, Sex and the Citizen follows in Joe Henrich's wake in The WEIRDest People in the World: How the West Became Psychologically Peculiar and Particularly Prosperous. Carroll discusses the Catholic Church's strict policies on incest and adoption, which destroyed the power of elite related clans in the West, and hastened the emergence of the Western European marriage norm of independent and separate nuclear families, rather than extended families as the primary unit of kinship in society.   In the second half of Sex and the Citizen Carroll addresses the social history and policy changes in relation to marriage in the US. While Western European societies took a significant step away from familialism, Carroll explains that American marriage was even more individualistic and radical, as nuclear families spread out to the frontier, away from their extended kin networks. He also contextualizes the rise of the 1950's nuclear family, which some scholars have argued was an aberration in American history. Carroll argues that actually it was an extension of earlier American norms, but the rise of the wage-based capitalist economy allowed for couples to set up separate households earlier in their lives. Carroll concludes the discussion outlining the 1970's policy changes in welfare provision that discouraged marriage, noting the decline of the institution across American society over the last 60 years, and how government policy might reverse it.

On today's show, Pat, AJ Hawk, and the boys preview both Conference Championships and make their picks against the spread, and also chat about the breaking news that Pete Carroll has officially been named the Head Coach of the Las Vegas Raiders, and Liam Coen has officially been named the Head Coach of the Jacksonville Jaguars in a drama filled situation. They also discuss the ratings from the National Championship and Divisional weekend, as well as some of the transfer portal news that has been floating around since the end of the college football season. Joining the show to give some updates on Pete Carroll, Liam Coen, and the other coaching openings that are left is ESPN Senior NFL Insider, Adam Schefter. Later, 8x Super Bowl Champion, the GOAT, and current Head Coach of the North Carolina Tar Heels, Bill Belichick joins the show to chat about being on the recruiting trail, and he previews the Conference Championship games. Make sure to subscribe to youtube.com/thepatmcafeeshow or watch on ESPN (12-2 EDT), ESPN's Youtube (12-3 EDT), or ESPN+. We appreciate the hell out of all of you. We'll see you on Monday. Enjoy the games. Cheers. Learn more about your ad choices. Visit podcastchoices.com/adchoices

I am super pumped for today's episode! Today I spoke with Ashlyn Caroll who is my personal health coach from Marek Health. Some topics include: ⭐️Ashlyn's background and how it affects her health coaching ⭐️How I found Marek Health ⭐️Why I chose to use Marek Health for hormone replacement therapy to optimize my health ⭐️Marek Health's approach to assessing lab values and giving personalized treatment options ⭐️How Marek Health can help women over 40 lose fat and improve fitness Don't forget! Open registration for Rock that Fitness Membership starts Monday, January 13th! Click the link to learn more→ https://www.rockthatfitness.com/rock-that-fitness-membership As a reminder, if you have a chance, please rate and review the podcast so more women just like you can learn more about the Rockstar way! I appreciate you for your support and love ❤️ Links: RTF# 125 Have You Gotten Your Sex Hormone Labs Done?: Rock That  Fitness Partners with Marek Health https://spotifycreators-web.app.link/e/qoT2w8hFcPb Check Out Our Newest Offer for Extensive Lab Work with Marek Health ⁠https://www.rockthatfitness.com/rock-that-fitness-marek-health If You Like the Gear that I'm Rocking, Head to the Store: ⁠⁠https://rockthatfitness.itemorder.com/shop/sale/⁠⁠ FREE 30 Day Strength Challenge (dumbbell only) https://www.rockthatfitness.com/rock-that-fitness-30-day-strength-challenge FREE 30 Day Strength Challenge Next Level (full gym equipment needed) https://www.rockthatfitness.com/rock-that-fitness-30-day-strength-challenge-next-level Head to the Rock That Fitness Instagram Page https://www.instagram.com/rockthatfitness/  Sign up for RTF 1:1 Coaching https://www.rockthatfitness.com/coaching Music from Uppbeat (free for Creators!): https://uppbeat.io/t/cruen/we-got-this License code: RBWENWHGXSWXAEUE

Dan Carroll rings in the new year filling in for Eddie and Rocky. He talks with Ken Kober and Thomas Moore Professor Steve Oldfield in studio for the 5 o'clock hour.

Dan Carroll is in for Ed and Rock, and he's talking football, electric cars, Christmas songs, and more on 700 WLW!

Dan Carroll is in for Ed and Rock, and he's talking football, electric cars, Christmas songs, and more on 700 WLW!

Join us for a heartwarming conversation with "Mrs. Big Bird" herself, Debra Spinney, the wife of the late Caroll Spinney, original Muppet performer of Big Bird and Oscar the Grouch on Sesame Street. Debra offers a unique perspective on the world of puppetry, having worked closely with Caroll on iconic projects such as Big Bird in China and Follow That Bird. Beyond the Muppet world, Debra shares stories about their travels, Caroll's artistic side, Debra's collection of Caroll's work and so much more in this wholesome chat. This episode is a heartfelt tribute to Caroll's legacy and a celebration of his nearly 50-year run with the Muppets. Special thanks to our guest co-hosts DJ Bob and Tarah for joining us!

Host Rachel Cave spoke with journalist and long-time CBC host Carol Off about her new book, "A Loss for Words."

Thomas Carroll, CFP®, Principal, President, and Chief Executive Officer at Homrich Berg, has remained a consistent player throughout Homrich Berg's growth and M&A in Atlanta. His expertise in wealth management makes him an expert in fiduciary fee-only client service as part of Homrich Berg's practice management strategy. Connect with Thomas on LinkedIn and follow Homrich […]

Thomas Carroll, CFP®, Principal, President, and Chief Executive Officer at Homrich Berg, has remained a consistent player throughout Homrich Berg's growth and M&A in Atlanta. His expertise in wealth management makes him an expert in fiduciary fee-only client service as part of Homrich Berg's practice management strategy. Connect with Thomas on LinkedIn and follow Homrich […] The post Thomas Caroll With Homrich Berg appeared first on Business RadioX ®.

Please join us at patreon.com/toroiseshack In this Reboot Republic podcast, Rory discusses a new approach to addressing both climate and inequality - in changing the narrative and moving towards transformative changes, such as public investment in warmer green homes for everyone, with Dr Ciaran O'Caroll, Lecturer in TU Dublin and climate analyst. We also discuss the Budget, data centres, and a green social justice approach to the climate transition. The General Election Starting Gun podcast:https://www.patreon.com/posts/114250721 Donate to Rory's marathon for Gaza:https://www.patreon.com/posts/112598735

Cole Thompson of SEC Unfiltered explains why the Mizzou Tigers are going to be just fine after losing Cody Schrader and Nathaniel Peat after the 2023 Season because of the addition of Marcus Carroll & Nate Noel. Caroll had a monster season for Georgia State in the Sun Belt in 2023 while Noel averaged 4.5 yards per carry during his stay at Appalachian State. SECU has new video content every day so make sure you're subscribed: https://www.youtube.com/channel/UCsQmBNkPOToCPXQOxQmS9eg Subscribe to SEC Unfiltered, the best SEC podcast on the internet: https://podcasts.apple.com/us/podcast/sec-unfiltered/id1441899352 Website: https://www.secunfiltered.com/ Discord: https://discord.gg/ARtaSp25DH X: ​https://twitter.com/SECUnfiltered Instagram: https://www.instagram.com/secunfiitered/ Facebook: ​https://www.facebook.com/SECUnfiItered Podcast: https://podcasts.apple.com/pl/podcast/sec-unfiltered/id1441899352 Let's get it! Learn more about your ad choices. Visit podcastchoices.com/adchoices

In this episode of the Mystai Podcast, I am rejoined by occult & author Julian Vayne. On the back of our last episode together, this time we discuss the historical context and evolution of Chaos Magic with texts like Caroll's Liber Nul & Psychonaught and some of the things modern Chaos Magicians get wrong about the system. We also have some fascinating insights into Psychogeography, consciousness & the metaphoric language we use to describe it, and how that is affected through use of psychoactive substances. You can connect with Julian on his website: https://julianvayne.com/ His book "Getting Higher: The Manual of Psychedelic Ceremony" is available here: https://psychedelicpress.co.uk/collections/books/products/getting-higher-psychedelic-julian-vayne Find me on the internet ►TWITTER: https://x.com/ChrisLyonX?mx=2 ►INSTAGRAM: https://www.instagram.com/mystaiofficial/ ►FACEBOOK: https://www.facebook.com/mystaiofficial ►SUBSTACK: https://chrislyon.substack.com ►DISCORD: https://discord.com/invite/j2rChj4YFB I am currently teaching a lecture series on Ancient & Late Antique Hermeticism. Do check it out! https://www.mystai.co.uk/way-of-hermes

This week, father and daughter Tom and Molly Martens will be released from prison after serving just over six months for killing Jason Corbett in 2015. The pair were sentenced last November, following their guilty plea of involuntary manslaughter. Following the sentencing hearing last year, documentary maker and journalist Brian Carroll spoke to In the News, about the Marten's case and the Corbett family's long fight for justice. This is the first of a two-part episode on the case, originally published in November 2023. In the first part, Caroll explains how the Marten's used the sentencing hearing to completely annihilate Jason's Corbett's character. In episode two, available here, we hear how the Limerick man's family, including his two children, finally had their day in court to tell the world about their loving father and what their lives were like with their manipulative stepmother. Presented by Bernice Harrison. Produced by Suzanne Brennan. Hosted on Acast. See acast.com/privacy for more information.

Sunday Service MAY 12TH 2024 | 10:30am Join us at 401 S. PROSPECT AVE, 90277 at 10:30am every Sunday or right here on our podcast!

Guest narrator: Caspar Stockhuyzen. Caspar says: Casper Stokhuyzen (pronunciation at your discretion) and link to the audio drama I am currently starring in (Leaving Corvat). https://open.spotify.com/show/2l0YaWqlom0DbGQ44haICu?si=e5f3c355058440c8  I have also worked on The Deca Tapes https://open.spotify.com/show/6S8iYgJibdA6xkVQnVVo7b?si=8104a08ddad44848 and live in Amsterdam. I also recently did a cameo in a Dracula retelling called Re:Dracula. Carroll John Daly, born on September 14, 1889, in Yonkers, New York, carved an essential niche in detective fiction as a pioneering figure in the hardboiled crime genre. His early life was marked by versatility; attending the American Academy of Dramatic Arts in New York City and engaging in roles such as usher, projectionist, and actor. Notably, he ventured into entrepreneurship, opening the first movie theater in Atlantic City, New Jersey. Unlike contemporaries like Dashiell Hammett, who drew from real-life detective work, Daly's journey into the hardboiled genre was unique. He lived a quiet life in White Plains, New York, until the age of 33 when his first crime story was published. Despite his reserved demeanor, Daly's literary creations, characterized by gritty narratives and tough protagonists, laid the foundation for the hardboiled genre. Carroll John Daly's seminal contribution to detective fiction is epitomized in "The False Burton Combs," a groundbreaking crime story published in Black Mask magazine in December 1922. While Daly may not be lauded solely for the quality of his writing, his distinction lies in being the first to amalgamate the defining elements of the dark, violent hardboiled story. The narrative precedes the works of iconic figures like Dashiell Hammett and Mickey Spillane, influencing an entire generation of crime writers. Daly's popularity in his time was unparalleled; the mention of his name on a magazine cover alone could boost sales significantly. In a Black Mask readers' poll, Daly even surpassed Hammett and Erle Stanley Gardner in popularity. Today, his writing may be viewed as a nostalgic blend of quaint and camp, but it's essential to recognize Daly's pivotal departure from mainstream detective fiction, drawing inspiration from the Wild West rather than Victorian-era mysteries. Carroll John Daly, often considered the progenitor of hardboiled crime fiction, left an indelible mark on the genre. While his writing may be seen today as a bridge between quaint and camp, Daly's significance lies in being the first to blend all the defining elements of the dark, violent hardboiled story. His popularity during his time was unparalleled, influencing not only contemporaries like Hammett but shaping the trajectory of dozens of writers who followed. By rejecting mainstream detective fiction conventions of his era, Daly drew inspiration from Westerns, featuring tough, urban heroes reminiscent of gunslingers. Creating the first hard-boiled story, "The False Burton Combs," Daly, along with Hammett, established the rules of the hardboiled genre that future writers would adhere to or break, setting the stage for a transformative era in detective fiction. Learn more about your ad choices. Visit megaphone.fm/adchoices

Chase Thomas is the Sports Renaissance Man, Atlanta Sports Guy & VFL. On today's program, Chase is joined by SB Nation's JP Acosta, & USA Today's Jarrett Bailey to talk about the Super Bowl LVIII, how the 49ers will win, how the Chiefs will win, why Mike Vrabel, Bill Belichick and Pete Carroll are not head coaches in the NFL anymore, which new coordinator is most set up for success, where Tee Higgins next team should be and much more.Host: Chase ThomasGuests: JP Acosta, Evan Sowards, Jarrett BaileyTo learn more about CT and the pod please go visit: https://chasethomaspodcast.comBy the way, this is a free, independent national sports podcast. To keep it that way, I'm going to need some help from you guys. If you're a fan of the pod and you haven't already, take a second right now and leave the show a 5-star rating and a review on Apple, Spotify or wherever you get your podcasts. It really does help, and it's so quick and easy to do. Thanks, y'all!Keep up with Chase on social media:Follow me on Twitter: https://twitter.com/PodChaseThomasFollow me on Instagram: https://bit.ly/3kFHPDnFollow me on TikTok: https://bit.ly/3JdZ3RF'Like' me on Facebook: https://bit.ly/3ZmURo4 Hosted on Acast. See acast.com/privacy for more information.

Dan and Jason are joined by Keith O'Brien, Adam B. Coleman, Coach Mike Blaut and Julie O'Neil. Tune in!

Pete Carroll joins Brock and Salk to discuss how he reached a mutual agreement with the Seahawks to transition to another role, what his day was like on Weds, his explanation for how they lost their edge at the line of scrimmage, his teaching philosophy, how the CBA impacted the ability to fully compete in their practices, some regrets about losing their balance when they transitioned to a heavier passing attack, whether he will consider coaching again and what it was like having so many players gather to honor him Wednesday night.

Wow so much going on, we hope you enjoy this emergency broadcast. Click here to check out our linktree! Here you can find the Verdict League, Twitter, Tik Tok, Instagram, and Podcast streaming options for spotify and non spotify users for every show on the Couch Podcast Network all in one place!!

Catch up on all the headlines in Utah Jazz, NBA, College Basketball, NFL, College Football and golf news with "What is Trending" for January 11, 2024.

COBB LIFE for December 31st Publish Date:  December29th Henssler :15 INTRODUCTION   From the Henssler Financial Studio, welcome to 'Cobb Life,' proudly sponsored by the Marietta Daily Journal. I'm your host, Keith Ippolito, representing the BG Ad Group. A special thanks to our show's sponsor, Credit Union of Georgia, for their unwavering support.   As we usher in New Year's Eve, we're taking a trip down memory lane. Today, I had the delightful opportunity to converse with David Carroll, the renowned news anchor from Local 3 News in Chattanooga. If you're an avid reader of the MDJ, you'll likely recognize David from his regular column where he serves up a healthy dose of humor.   We dove into his latest literary offering, 'I Won't Be Your Escape Goat.' This book is a treasure trove of misspellings, misinterpretations, and mishaps that David has stumbled upon during his illustrious career. Whether they're born from voice-to-text technology errors, spellcheck slip-ups, or simply lapses in attention during English class, these social media faux pas provide an endless source of amusement. As we all know, laughter is much needed in today's world.   Moreover, we ventured into the intricacies of David's 'Hail to the Chief' column. We discussed the inspiration behind it and David's personal Mt. Rushmore of presidents. So, get comfortable, take a breather—it's Sunday—and let's dive deep into the spirit of 'Cobb Life.'   BREAK: ESOG – CU of GA ***DAVID CAROLL 1***     BREAK: INGLES 7 – DRAKE   ***DAVID CAROLL 2***   BREAK: HENSSLER :60 Signoff: And that wraps up another episode of 'Cobb Life.' Thank you for tuning in this week. We hope we brought a smile to your face today. Remember to mark every Sunday on your calendar, as we have more thought-provoking discussions about Cobb County lined up for you in 2024. I'm your host, Keith Ippolito, representing the BG Ad Group with pride. Until our next episode, stay safe, and from the entire team here at 'Cobb Life,' Happy New Year! www.henssler.com  www.inglesmarkets.com  www.cuofga.org  www.drakerealty.com www.esogrepair.com  www.elonsalon.com   www.bgpodcastnetwork.com chattanoogaradiotv.com SOCIAL: @KeithIpp86 @DAVIDCARROLL3 #NewsPodcast #CurrentEvents #TopHeadlines #BreakingNews #PodcastDiscussion #PodcastNews #InDepthAnalysis #NewsAnalysis #PodcastTrending #WorldNews #LocalNews #GlobalNews #PodcastInsights #NewsBrief #PodcastUpdate #NewsRoundup #WeeklyNews #DailyNews #PodcastInterviews #HotTopics #PodcastOpinions #InvestigativeJournalism #BehindTheHeadlines #PodcastMedia #NewsStories #PodcastReports #JournalismMatters #PodcastPerspectives #NewsCommentary #PodcastListeners #NewsPodcastCommunity #NewsSource #PodcastCuration #WorldAffairs #PodcastUpdates #AudioNews #PodcastJournalism #EmergingStories #NewsFlash #PodcastConversationsSee omnystudio.com/listener for privacy information.

It was the holiday season and I've got the idea that the Sesame Street characters would make a good addition to the festivities. So, I attempted to call the Cookie Monster, Big Bird and the Sesame gang, or Muppets as you might call them. As luck would have it, the man who answered the phone was Caroll Spinney, the voice of Big Bird and Oscar the Grouch. Caroll was on Sesame Street for 49 years, retiring in 2018. He was earning over $300,000 at that time. To this day, I'm not sure if Jim Henson, the creator of the Muppets, was in the office with Spinney.  But Kermit the Frog made a mysterious appearance on the show. By the way, Caroll got his name because he was born the day after Christmas. 

COBB LIFE for December 3rd Publish Date:  November 29th Henssler :15 INTRODUCTION From the Henssler Financial Studio, welcome to Cobb Life, proudly brought to you by the Marietta Daily Journal. I'm your host, Keith Ippolito, waving the flag for the BG Ad Group. And a big shoutout to our show's sponsor, Credit Union of Georgia, for making it all happen. Today, I had the pleasure of chatting with David Caroll, the news anchor for Local 3 News in Chattanooga. You might recognize David from his regular column in the MDJ, where he shares humorous columns. David and I delved into his latest book release, 'I Won't Be Your Escape Goat,' a compilation of misspellings, misinterpretations, and mishaps he's encountered throughout his career. These gaffes seem never-ending, whether attributed to voice-to-text technology, spellcheck mishaps, or simply not paying attention during English class. Regardless of their origins, these social media blunders serve as a humorous source of amusement. I think we all can agree on one thing: the world could use a bit more laughter. Additionally, I had the pleasure of exploring David's 'Hail to the Chief' column. We discussed its inspiration and David's personal Mt. Rushmore of presidents. So, sit back, unwind—it's Sunday—and let's immerse ourselves in the essence of Cobb Life. BREAK: ESOG – CU of GA ***DAVID CAROLL 1*** BREAK: CHRISTMAS PIEDMONT – DRAKE ***DAVID CAROLL 2*** BREAK: INGLES 7 – HENSSLER :60 Signoff: And there you have it, another fantastic episode of Cobb Life in the books. A big thank you for listening this week. I hope you laughed a little bit today. Make sure to pencil in every Sunday on your calendar because we've got more great conversations from Cobb County coming your way. So, I'm your host, Keith Ippolito, proudly waving the BG Ad Group banner. Until next time, take care, and from all of us here at Cobb Life, Happy Sunday! www.henssler.com  www.inglesmarkets.com  www.cuofga.org  www.drakerealty.com  www.daycosystems.com www.esogrepair.com  www.elonsalon.com  www.jrmmanagement.com  www.bgpodcastnetwork.com chattanoogaradiotv.com SOCIAL: @KeithIpp86 @DAVIDCARROLL3 "I Won't Be Your Escape Goat" Now Available! - David Carroll's Chattanooga Radio and TV (chattanoogaradiotv.com) #NewsPodcast #CurrentEvents #TopHeadlines #BreakingNews #PodcastDiscussion #PodcastNews #InDepthAnalysis #NewsAnalysis #PodcastTrending #WorldNews #LocalNews #GlobalNews #PodcastInsights #NewsBrief #PodcastUpdate #NewsRoundup #WeeklyNews #DailyNews #PodcastInterviews #HotTopics #PodcastOpinions #InvestigativeJournalism #BehindTheHeadlines #PodcastMedia #NewsStories #PodcastReports #JournalismMatters #PodcastPerspectives #NewsCommentary #PodcastListeners #NewsPodcastCommunity #NewsSource #PodcastCuration #WorldAffairs #PodcastUpdates #AudioNews #PodcastJournalism #EmergingStories #NewsFlash #PodcastConversations  See omnystudio.com/listener for privacy information.

Caroll Neubauer has a distinguished career in medtech, as the former long-time leader of B. Braun Medical Inc., now an adviser at Water Street Healthcare Partners, and co-chairman of The MedTech Conference Steering Committee. Caroll joined me on the Medtech POV podcast and previewed The MedTech Conference, Oct. 9-11, in Anaheim, California.

"Our functional pantry staples are designed to support people at every phase of life and their cycles." — Asha Caroll   When dealing with reproductive health and monthly phases like mood swings, cramps, headaches, anxiety, and period pain, we might waver between a quick fix and a sustainable solution. We would've wanted both, but most of the quick treatments traditionally offered in the market are not sustainable, or vice versa. We would also prefer a natural and organic solution that steers clear of unwanted side effects. Is incorporating quick, sustainable, natural, and organic into one solution nonviable? Let's find out.    Phasey, founded by Asha Caroll, formulates functional pantry staples to give a quick fix and sustainable support at every phase and cycle of people. Phasey products are organic, raw, and plant-based. For instance, their Seed Cycle Blends contain essential nutrients from six powerful seeds specially formulated to support each cycle phase. Their famous Period Chocolate has organic hemp extract that gives a package aid to cramps, cravings, and pain relief. Who would not want to leap from conventional treatment to accessible, phase-based functional food when dealing with monthly phases? Knowing that functional foods offer health benefits beyond their nutritional value, Phasey believes in the ability of whole foods to change relationships with reproductive health and provide everyday nutrition for everybody.  Listen in rapt attention as Justine and Asha talk about functional food and how it aids in monthly phases and cycles. You absolutely don't want to miss to see how functional food helps us not only to feel “just okay” but to have a greater opportunity to feel better longer. Meet Asha:  Asha came from an unconventional background and worked for years as a professional opera singer. At that time, opera companies were struggling to keep audiences in attendance so a lot of opera houses were closing. Her interest led her to work in food marketing. She had her first business, which was a vegan baking kit. That same time though, she had to deal with her hormonal challenges. So, she took a bit more of her time to focus on dealing with her hormones.    Like any other, Asha believed in an integrated approach to health care, like visiting a gynecologist and working with a registered dietician. She also worked with an herbalist who specializes in women's health; that's when she began using food and herbs. However, keeping pace with the modern lifestyle where things get faster and faster, she felt the need to have that quick fix and sustainable treatment. That mentality brought in Phasey's first functional food products.   Having a background in holistic nutrition, Caroll also founded Phasey to destigmatize periods and promote reproductive education. She stated, "I knew that food could be an excellent vehicle for driving conversation and community. That's how Phasey was born."    LinkedIn X   Connect with Phasey: Website Facebook LinkedIn   Connect with NextGen Purpose: Website Facebook Instagram  LinkedIn YouTube Episode Highlights:  03:50 Getting Into Functional Food 07:17 The Marriage of Food and Productivity 10:29 How to Be Sustainable for One's Life 17:30 What Led to the Evolution of Phasey 29:05 More Functional Food for New Phases of Life  

In hour No. 1, Kellan Olson and Steve Zinsmeister react to Corbin Carroll being named an All-Star starter and discuss what to expect when NBA free agency opens up Friday. See omnystudio.com/listener for privacy information.

Carl & Klemmer spend their Wednesday breaking down the Arizona Diamondbacks sensational start to 2023. It's a well deserved deep dive into a remarkable turnaround and why the Diamondbacks are here to stay. Hint: his name is Corbin Carroll and he's an absolute superstar. We follow with another close look at the Cincinnati Reds after Elly De La Cruz's monster debut and speculate about the Reds playoff hopes and trade deadline plans. We're an inch wide but mile deep this week and that's okay. It feels good to get smart on a couple underdogs. Stay Balanced.You can find every episode of this show on Apple Podcasts, Spotify or YouTube. Prime Members can listen ad-free on Amazon Music. For more, visit barstool.link/barstoolbaseball

Ryan and Emily discuss Donald Trump being found liable by a New York federal jury for sexually abusing E. Jean Carroll in a Manhattan department store in the 1990's, George Santos is charged and arrested by the Feds for Fraud, Biden threatens to ignore the Debt Ceiling, Ukraine worries their counter offensive might not move the needle, DeSantis takes an important step in moving towards announcing a campaign for president, Liz Cheney launches attack ad in New Hampshire against Trump, the CIA caught aiding the Biden 2020 election, and Congressman Ro Khanna joins the show to talk about Clarence Thomas and SCOTUS corruption. We also take a short moment to celebrate the life of David Miranda, a Leftist in Brazil with a long career of political activism and husband to Glenn Greenwald.To become a Breaking Points Premium Member and watch/listen to the show uncut and 1 hour early visit: https://breakingpoints.supercast.com/To listen to Breaking Points as a podcast, check them out on Apple and SpotifyApple: https://podcasts.apple.com/us/podcast/breaking-points-with-krystal-and-saagar/id1570045623 Spotify: https://open.spotify.com/show/4Kbsy61zJSzPxNZZ3PKbXl Merch: https://breaking-points.myshopify.com/ Learn more about your ad choices. Visit megaphone.fm/adchoicesSee omnystudio.com/listener for privacy information.

Ryan and Emily discuss Donald Trump being found liable by a New York federal jury for sexually abusing E. Jean Carroll in a Manhattan department store in the 1990's, George Santos is charged and arrested by the Feds for Fraud, Biden threatens to ignore the Debt Ceiling, Ukraine worries their counter offensive might not move the needle, DeSantis takes an important step in moving towards announcing a campaign for president, Liz Cheney launches attack ad in New Hampshire against Trump, the CIA caught aiding the Biden 2020 election, and Congressman Ro Khanna joins the show to talk about Clarence Thomas and SCOTUS corruption. We also take a short moment to celebrate the life of David Miranda, a Leftist in Brazil with a long career of political activism and husband to Glenn Greenwald. To become a Breaking Points Premium Member and watch/listen to the show uncut and 1 hour early visit: https://breakingpoints.supercast.com/ To listen to Breaking Points as a podcast, check them out on Apple and Spotify Apple: https://podcasts.apple.com/us/podcast/breaking-points-with-krystal-and-saagar/id1570045623   Spotify: https://open.spotify.com/show/4Kbsy61zJSzPxNZZ3PKbXl   Merch: https://breaking-points.myshopify.com/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Texas mall shooter had disturbing online history and Nazi-inspired tattoos, investigators say; Texas driver accused of plowing SUV into migrants is charged with manslaughter; Trump and Caroll's lawyers face off in closing arguments; and more on tonight's broadcast.

The Cover 3 crew takes your mailbag questions! First up, why is Josh Heupel's offense so elite and why don't other teams run it? (16:42) Then, why has Florida State head coach Mike Norvell gotten more slack than Florida head coach Billy Napier? (35:15) Finally, should undrafted rookie free agents have the ability to return to college? (47:08) Cover 3 is available on Apple Podcasts, Spotify, Stitcher, Google Podcasts, Castbox and wherever else you listen to podcasts.  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

00:00 Commanders hire Eric Bieniemy as new OC 11:04 A.J. Brown comments on Jalen Hurts' contract situation /More important to the Giants success: Daniel Jones or Saquon Barkley? ((Is Daniel Jones worth the money? Read more HERE)) 23:43 Has LeBron's tenure in LA been a success? 36:31 Can Lamar Jackson get a fully guaranteed deal? ((How should the Ravens handle the franchise tag situation with Lamar? Read HERE)) 49:13 Buying that Russell Wilson wanted Pete Carroll fired? ((Read more about the report out of Seattle HERE)) Learn more about your ad choices. Visit megaphone.fm/adchoices