Podcasts about CCAR

Recovery Matters Podcast Episode 177 | Eric shares his incredible transformation—from growing up surrounded by chaos, falling into addiction, and navigating incarceration, to building a life centered on recovery, family, and purpose. With brutal honesty and heartfelt insight, Eric reflects on the trauma he carried, the choices he made to survive, and the life-changing moment he finally surrendered.Through his journey, Eric found not only freedom from substances but also the strength to heal, reconnect with his children, and become a guiding light for others walking the recovery path. If you've ever doubted whether change is possible, Eric's story will remind you that redemption is always within reach.

Alexis Nicole overcame addiction and transformed her life. Alexis discusses her early struggles growing up in a middle-class family, experiencing bullying, early exposure to drugs and alcohol, and the subsequent spiral into deeper substance use. She delves into significant turning points, including encounters with domestic violence, substance use, and homelessness. Through the support of a rehab program and her newfound spirituality, Alexis found strength in recovery. She talks about her path to becoming a recovery coach and her commitment to helping others in the Hartford community. Alexis' story is one of resilience, faith, and the importance of taking life one day at a time. She emphasizes the necessity of therapy, community support, and a passion for helping others on their recovery journey.00:00 Introduction and Host Background00:29 Guest's Early Life and Family01:43 First Encounters with Substances03:13 Escalation and Teenage Years04:36 High School and Relationship Troubles05:55 Diving Deeper into Drug Use07:15 The PCP Era08:58 Realizing the Problem14:02 Hitting Rock Bottom15:48 Entering Rehab: The First Steps16:09 Realizing the Problem16:35 Finding Motivation and Support17:06 A New Relationship and Pregnancy18:13 Completing the Program and Moving Forward19:03 Building a New Life20:38 Starting a Career in Recovery21:32 Balancing Work and Personal Life23:19 The Importance of Persistence25:54 Living a Fulfilling Life29:20 Advice for Those Struggling ----Across the Web----

In this episode of Welcome to the Top, we're joined by Vanessa Martin, Co-Founder of Tether RE—an award-winning transaction platform transforming how real estate professionals communicate and collaborate. After winning top honors at both the 2024 NAR iOi Summit and the T3 Technology Summit Pitch Battles, Tether RE is making major waves, and CCAR is proud to be the first association to offer it as a paid member benefit!Vanessa shares how Tether RE streamlines transactions, boosts agent safety, enhances communication, and is setting a new standard for how business gets done in real estate.If you're ready to save time, close smoother, and stay safe, this episode is a must-listen.

Recovery Matters Podcast Episode 175 | TJ talks with Dave Ogden, a counselor from Groton and Grasso Tech, about his incredible journey of overcoming substance use and personal loss. Dave shares poignant memories from his troubled childhood, his encounters with drugs in school, and the life-changing impact of meeting his wife. He candidly recounts the traumatic experience of his son's death and the subsequent struggle with Xanax addiction and withdrawal. Through perseverance, therapy, and the support of his community, Dave emerges as a strong advocate for recovery and support in schools, highlighting the inception and goals of the Students for Recovery initiative. 00:00 Introduction and Personal Background00:39 Early Life and First Encounters with Drugs01:10 High School and Escalation of Drug Use02:18 Turning Points and Family Influence03:04 Tragic Loss and Struggles with Xanax05:17 Withdrawal and Hospitalization11:52 Recovery Journey and EMDR Therapy12:43 Students for Recovery Initiative18:03 Supporting Recovery in Schools18:22 Creating a Recovery-Friendly Environment18:51 Student Involvement in Recovery Initiatives19:28 Recovery Fest: A Community Effort21:17 Challenges and Reflections on Recovery26:47 Advice for Those New to Recovery29:10 Personal Experiences with Addiction30:54 Concluding Thoughts and Gratitude ----Across the Web----

Recovery Matters Podcast Episode 174 | Leeroy opens up about his tumultuous childhood, growing up in a dysfunctional household where drugs were prevalent. He describes his early encounters with alcohol and marijuana, which eventually led to addiction. Leeroy speaks candidly about the impact of his lifestyle on opportunities and relationships, and the pivotal moments that drove him to seek sobriety. Now working as an intervention specialist, Leeroy utilizes his past experiences to support others in similar situations. 00:00 Introduction and Host Backgrounds01:04 Growing Up in a Dysfunctional Household02:42 First Encounters with Drugs and Alcohol05:26 The Impact of Marijuana Addiction06:45 Turning Points and Realizations09:15 Struggles with Alcohol and Family Reflections13:57 Challenges in Early Sobriety15:57 Overcoming Triggers and Long-Term Recovery17:03 High School Weed Addiction17:24 The Dangers of High Potency THC17:38 Marijuana Withdrawal and Health Issues18:08 Changing Weed Culture and Legalization18:29 Personal Journey of Quitting Weed21:25 Challenges of Nicotine Addiction26:37 Parenting and Addiction Awareness30:06 Using Past Experiences to Help Others32:16 Conclusion and Final Thoughts ----Across the Web----

In this episode of the Recovery Matters podcast, TJ, interviews Luke, who has been clean since October 2022. They discuss Luke's early life, his descent into addiction, the impact of his mother's diagnosis, and his numerous overdoses and stints in jail. Luke shares his turning point towards recovery, involving treatment, sponsorship, and service work. He emphasizes the importance of humility, service, and dedication in recovery. Luke also talks about his passion for music and sports and the joy and responsibility of being a father.00:00 Introduction and Recovery Background00:37 Early Life and Ego01:39 Descent into Addiction02:30 High School and Family Tragedy04:13 Homelessness and Overdoses07:14 Turning Point and Recovery Journey09:32 Building a New Life11:03 Lessons Learned and Giving Back14:29 Nostalgic Memories of Playing Ball14:51 Discovering Music During Recovery15:10 The Creative Mind in Recovery16:08 The Joys and Challenges of Fatherhood18:21 Advice for Those New to Recovery19:55 The Catalyst for Change22:16 Gratitude and Higher Power24:36 Final Thoughts and Encouragement ----Across the Web----

Recovery Matters Podcast Episode 171 | Taylor opens up about growing up in a home surrounded by substance use, the struggles of feeling unworthy, and the choices that led him deeper into addiction. He shares the harsh realities of hitting rock bottom, losing his father, and the moments that finally pushed him to embrace recovery. From living in a crack house to opening a sober home, Taylor's transformation is nothing short of inspiring. His raw honesty and powerful insights offer hope to anyone struggling with addiction. 00:00 – Introduction and host introductions00:27 – Taylor's childhood: Growing up in a chaotic, addiction-filled home01:56 – Experimenting with drugs and alcohol at a young age03:13 – Homelessness, survival, and falling deeper into addiction04:48 – The devastating loss of his father and the impact on his substance use06:51 – Repeated arrests, consequences, and the inability to see the problem08:35 – Realizing he wasn't fooling anyone—his wake-up moment10:17 – Early recovery attempts: Trying to control his use and failing12:36 – The shift in mindset that finally led to real change13:09 – Entering a sober house and learning what true recovery looks like13:39 – A heartbreaking overdose that became a turning point14:45 – The role of meetings, sponsorship, and building a strong network17:02 – Opening a sober house and helping others find recovery20:51 – Relapse, near death, and the lesson that changed everything23:35 – Letting go of ego, chasing true fulfillment, and embracing a new way of life ----Across the Web----

In this episode, we're joined by Jason Petrie, CCAR's Government Affairs Director, and Marvin Jolly, Past Chairman of Texas REALTORS® and Past President of CCAR. Together, they'll share key takeaways from the recent Texas REALTORS® Winter Meeting and discuss the critical policy issues shaping our industry today.Tune in to learn:The most important legislative updates for real estate professionalsHow REALTORS® can prepare for upcoming industry challengesInnovative strategies to stay ahead in a rapidly changing market

Recovery Matters Podcast Episode 170 | From growing up amidst addiction in Connecticut to battling his own substance use, Vinny Imperati aka Skinny Vinny opens up about his father's tragic overdose, his time spent homeless in a porta-potty, and his near-death experiences. But the story takes a turn when Vinny finds a new purpose in film and entertainment, leading him to work with his idols from Jackass, including Steve-O. Today, Vinny co-hosts the Wild Ride Podcast with Steve-O and co-stars in 'Your Pranks, Our Show' with Zach "Zackass" Holmes. Tune in to hear how Vinny not only turned his life around but also found a new mission in helping others achieve sobriety. 00:00 Introduction and Guest Introduction00:48 Vinny's Early Life and Family Struggles03:25 Teenage Years and Early Addiction06:33 Descent into Addiction and Homelessness11:06 Turning Point and Path to Recovery14:27 Building a New Life and Career20:15 Reflections on Sobriety and Giving Back26:57 Call to Action: Support Recovery Centers ----Across the Web----

Recovery Matters Podcast Episode 169 | Danny, who recently celebrated four years of sobriety, discusses his early experiences with drugs and alcohol, the impact of his mother's death on his substance use, and his subsequent journey through addiction, legal troubles, and incarceration. Both hosts reflect on the challenges they faced, the turning points in their lives, and the importance of support systems. They offer insights and advice for those in early recovery and emphasize the transformative power of perseverance and self-awareness. 00:00 Introduction and Host Introductions00:38 Early Life and First Encounters with Substances01:10 Teenage Years and Substance Abuse04:32 Escalation and Coping with Loss05:28 Struggles with Prescription Drugs14:41 Incarceration and Turning Point20:59 Life After Recovery22:30 Advice for Those in Recovery ----Across the Web----

In this episode of Welcome to the Top, we sit down with Luke Hamlett, Vice Chair of CCAR's Community Outreach Committee, to talk about the upcoming Roadmap to Homeownership event. On March 29, this event will provide information for homebuyers to better understand and prepare for the home-buying process in North Texas.Luke shares how this hyper-local event is designed to guide attendees through each step of the homeownership journey—from understanding financing and down payment myths to working with REALTORS®, lenders, home inspectors, and more. Join us as Luke breaks down:What the Roadmap to Homeownership event offersKey topics, including the home-buying process, mortgage myths, and moreThe benefits for both homebuyers and real estate professionalsWhy this is the perfect event for first-time buyers in North Texas

Recovery Matters Podcast Episode 168 | TJ sits down with Matt, a young person in long-term recovery, to discuss his journey from childhood to sobriety. Matt shares his experiences growing up, the impact of early trauma, and how he initially turned to alcohol for escape. He recounts his struggles with addiction, multiple DUIs, and his path to seeking help, including his time in treatment at the Life Center in Hartford. Now six months sober, Matt reflects on the support systems that have helped him, his volunteer work at CCAR, and his aspirations to become a recovery coach. With humor, honesty, and deep insight, Matt offers encouragement to those new to recovery, emphasizing that setbacks don't mean failure—they're just part of the journey. [00:00:00]–Introduction: TJ welcomes guest Matt [00:01:00]–Matt's childhood and family background  [00:02:00]–Early trauma and how it resurfaced  [00:03:00]–First experiences with alcohol and drinking to escape  [00:04:00]–College drinking and early warning signs  [00:06:00]–Moving to California and deepening struggles  [00:07:00]–DUIs and first attempt at treatment  [00:08:00]–Entering the Life Center and finding spirituality  00:10:00]–Admitting alcoholism and seeing signs everywhere  [00:12:00]–Hitting six months of sobriety  [00:13:00]–Volunteering at CCAR and telephone recovery support  [00:14:00]–Life in recovery: music, friendships, and faith  [00:16:00]–Training to become a recovery coach  [00:18:00]–Overcoming the idea of "drinking normally" again  [00:19:00]–The importance of staying connected and using a support system  [00:22:00]–Final message: “Stumbling doesn't mean failure—keep trying”   ----Across the Web----

Recovery Matters Podcast Episode 167 | Tajay's story begins with a life-changing arrest, leading him to outpatient treatment and, ultimately, to CCAR. He didn't initially seek recovery—it found him. While in IOP, he struggled with staying sober, turning to alcohol as a coping mechanism. However, deep down, he knew he wanted more for himself. His commitment to trying something differentled him to school, where a conversation about psychology unexpectedly introduced him to the idea of becoming a recovery coach. This opened the door to a new world, and through CCAR, Tajay found the support, structure, and inspiration to rebuild his life.One of the most significant changes in his recovery journey was reevaluating friendships and relationships. He realized that many of his past connections were built around substance use, and changing his circle was necessary. He now values friendships based on mutual respect and personal growth rather than peer pressure or partying. Relationships, particularly romantic ones, remain tricky, especially when dating someone who isn't in recovery. However, he emphasizes the importance of healthy communication and setting boundaries.Education played a crucial role in his transformation. What started as a simple way to stay busy turned into a passion. Tajay became deeply involved on campus, founding the Legacy Club to help students network, connect, and take their careers seriously from day one. His belief that “it's not just what you know, but who you know” helped him secure opportunities, despite not yet having a degree. He encourages students to build relationships, take advantage of resources, and stay open to new possibilities.Beyond education, Tajay found purpose in entrepreneurship and music. His first venture, a clothing brand focused on positive affirmations, gave him his first taste of running a business. While it was a learning experience, it laid the foundation for his current passion—creating and promoting music. Initially hesitant, he pushed past self-doubt and began sharing his music on social media, even shooting a music video for one of his songs, Love Life. His new goal is to combine music, merch, and motivation, using his platform to inspire others.Throughout the conversation, Tajay emphasizes that recovery is not easy, but it's worth it. He describes recovery as "armor"—something that protects him from life's hardships. He acknowledges that early recovery is overwhelming, especially when emotions come rushing back after years of numbing pain with substances. However, he encourages anyone on the fence about recovery to stick with it. His biggest message? "Don't quit before the miracle happens."Tajay's life is proof that even when things seem impossible, recovery can open doors you never imagined.Timestamps:00:00 – Intro & Tajay's background02:00 – Getting arrested & his first steps into recovery06:00 – How addiction shaped his friendships & how he had to change his circle10:00 – Finding education as a new path & becoming a leader on campus14:00 – The "Get Out of Here" mindset vs. realizing it's about changing yourself18:00 – Entrepreneurship, music, and using creativity in recovery23:00 – The moment he knew he had to go all in on sobriety28:00 – What he'd say to someone struggling: “Don't quit before the miracle happens.” ----Across the Web----

This episode vividly portrays Cass' journey from the depths of addiction to the vibrant glow of recovery. Explore how her shift in mindset revolutionized her mornings, relationships, and daily life. Cass opens up about the transformative power of therapy, creative outlets, and meditation in her recovery. With raw honesty, she discusses rebuilding bonds with her family amidst personal turmoil and the profound impact of a supportive community. This gripping account highlights the intricate balance between powerlessness and empowerment, providing a rich tapestry of insights for anyone seeking inspiration on the path to recovery.00:00 The Recovery Glow00:27 Morning Mindset Shift02:46 Focusing on the Present04:36 Prioritizing Recovery07:47 Multiple Pathways to Recovery08:23 Therapy and Personal Growth09:28 Creative Outlets and Meditation14:52 The Power of Music25:34 Two Years Clean: A Reflection36:45 Relationships in Recovery37:24 Family Dynamics and Divorce38:21 Rebuilding Bonds with Parents45:32 Accountability and Personal Growth48:31 Inspiration for Those Seeking Recovery52:30 The Power of Community Support01:04:11 Perspective and Daily Challenges01:04:57 Living a Life of Principles  ----Across the Web----

In this short episode of the ORX Operational Risk Podcast, Martin Monakhov and Mike Constantinou share highlights from their work with the ORX CCAR Community in 2024 – especially from the roundtable held in the US in November. Key themes from the roundtable include: Using structured scenarios in stress testing Enhancing stress testing processes Uncertainty around the Basel III endgame They then quickly run through what's on the plan for the CCAR Community this year. The ORX CCAR Community is open to ORX members who take part in the CCAR assessment. Find out more on our website: https://orx.org/community/ccar. If you're not a member but want to find out how you could get involved, then get in touch with us. To find out more about ORX Membership and access a range of operational risk resources, just search ‘ORX' or visit: orx.org. 

Recovery Matters Podcast Episode 164 | TJ, Dani, and Jamie share their powerful stories of overcoming addiction and achieving long-term recovery. Each discusses their personal journey, detailing the moments that led them to seek help and the pivotal role their support networks played. They touch on the challenges and growth experienced in recovery, the importance of asking for help, and how being candid and setting boundaries has transformed their lives. The episode highlights the significance of connection, self-forgiveness, and being present, particularly as parents. They offer words of hope and practical advice for those currently struggling with addiction, emphasizing that recovery is possible and varied in its pathways. 00:00 Introduction and Host Introductions00:44 Personal Recovery Stories03:07 Life After Rehab04:04 Support Systems and Community08:00 Challenges and Growth in Recovery15:56 Parenting and Breaking Cycles20:29 Connecting Over Hip Hop20:45 Forming Lasting Friendships22:38 Parenting and Recovery22:59 Learning New Words23:28 The Gift of Discernment24:07 Trust and Boundaries24:57 Handling Emotions in Recovery28:14 Speaking Up and Setting Boundaries34:33 Parenting Reflections38:21 Words of Encouragement40:03 Conclusion and Gratitude ----Across the Web----

Recovery Matters Podcast Episode 163 | Amilya, who experienced a tumultuous early life with familial addiction, turned to substances following a traumatic event in college. She describes her struggle with PTSD, anxiety, and depression, which led her to self-medicate with marijuana and alcohol. However, seeking a healthier path, she discovered the Connecticut Community for Addiction Recovery (CCAR) and embraced their resources. With the support of her mother, fiancé, and a solid recovery community, Amilya found balance and purpose. Now, she is thriving academically, interning, and deeply involved in helping others on their recovery journeys. Her story is a testament to the transformative power of recovery and community support.00:00 Introduction and Host's Background00:18 Guest Introduction and Early Life00:57 Struggles with Addiction and Trauma04:47 Path to Recovery and CCAR Involvement06:40 Experiences in Recovery and Relationships22:21 Future Aspirations and Current Recovery Practices ----Across the Web----

Recovery Matters Podcast Episode 162 |  Host TJ sits down with Michael Brunk, a passionate recovery ally. Michael delves deep into his family's experience with addiction, highlighting the significant impact on the family unit and the essential support needed for those in recovery. He reflects on his brother's active struggle with substance use and the pivotal moments that led Michael to make personal changes. Through his career in wellness, Michael shifted his focus from self-indulgence to helping others, bringing a unique perspective from the family's side of addiction. Together, TJ and Michael explore themes of family, self-love, personal growth, and the importance of a supportive community in the recovery journey. 00:00 Introduction to the Recovery Matters Podcast00:23 Michael Brunk's Family and Addiction01:09 Personal Struggles and Turning Points01:58 The Impact of Addiction on Family02:46 Recognizing and Addressing Addiction04:27 The Role of Wellness in Recovery12:29 Supporting Families in Crisis21:00 Navigating Recovery Challenges21:30 The Role of Family and Support Systems22:22 Statistics and Realities of Treatment24:48 Personal Stories and Experiences29:46 The Importance of Self-Love in Recovery34:12 Spirituality and Recovery39:12 Concluding Thoughts and Gratitude ----Across the Web----

Recovery Matters Podcast Episode 161 | Rich St. Pierre recounts his challenging upbringing, the impact of family dynamics, and his turbulent years of substance use. He discusses the pivotal moments that led him to recovery, including his experiences with various treatment programs and his ultimate decision to turn his life around. Rich highlights the importance of having a support system, finding new identities and passions, and maintaining accountability in recovery. He also delves into how martial arts and fitness played crucial roles in his sobriety and how he integrates these into his current life. Through his candid narration, Rich's story offers inspiration and valuable insights for anyone seeking or maintaining recovery. 00:00 Introduction and Host Background00:29 Early Life and Family Struggles03:20 High School and Descent into Addiction06:09 Attempts at Recovery and Setbacks08:36 Turning Point and Path to Recovery18:16 Rebuilding Life and Finding Purpose22:33 Coping with Loss in Recovery23:27 The Importance of Therapy24:58 Finding New Passions26:42 Identity Beyond Addiction29:42 The Role of Support Systems32:37 The Power of Practice39:03 Commitment to 12-Step Recovery41:11 Incorporating Recovery into Daily Life42:28 Conclusion and Final Thoughts ----Across the Web----

Recovery Matters Podcast Episode 160 | John shares his personal story of growing up in an upper-middle-class family with a high-functioning alcoholic father. Despite a good upbringing, John's young adulthood spiraled into addiction, particularly with alcohol and later cocaine. He recounts his first experiences with these substances and the pivotal moments that led to his criminal activities. John was eventually sentenced to 12 years in prison, an event that he views as life-saving. During his incarceration, John experienced a spiritual awakening and committed to changing his life. He became heavily involved in addiction services and recovery programming. Upon his release, he found support at CCAR, where he now gives back as a recovery coach and volunteer. John emphasizes the importance of suggestions over advice and advocates for multiple pathways to recovery. 00:00 Introduction and Host Backgrounds00:35 Early Life and Family Dynamics03:04 First Encounters with Substance Use04:37 Descent into Addiction07:00 Criminal Activities and Consequences07:36 Turning Point and Recovery Journey11:36 Life After Recovery19:46 Advice and Reflections ----Across the Web----

In this bonus episode of the Recovery Matters Podcast, we get to know Stacy Charpentier, the newly appointed Executive Director of the Connecticut Community for Addiction Recovery (CCAR). Stacy shares her personal background, from her childhood in New Britain to her career journey that led her to CCAR. She discusses her family's struggle with addiction and recovery, highlighting the impact of her father's experience. Stacy outlines her previous roles at CCAR, including her work as the Director of Training, and emphasizes the importance of connection, communication, and compassion in recovery coaching. Stacy offers insights into the organizational culture at CCAR and shares candid advice on being genuine and the value of self-care within the community. 00:00 Introduction to the New Executive Director00:29 Getting to Know Stacy Charpentier01:09 Stacy's Journey to CCAR04:01 Stacy's Personal Connection to Recovery05:39 Family and Personal Life09:18 Professional Growth and Achievements13:20 The Impact of Recovery Coaching16:52 Global Reach and Philosophy of CCAR18:49 Sharing the Message of Recovery19:59 The Magic of CCAR Community Centers22:09 Supporting Each Other in Recovery25:27 Accessing Recovery Resources27:44 Advocacy and Awareness28:42 Personal Reflections on Recovery33:28 Rapid Fire Questions ----Across the Web----

Antonio shares his story of growing up in challenging conditions in Puerto Rico, dealing with family addiction, and facing abuse and bullying. His life spiraled into substance use, gang involvement, and repeated incarcerations. Despite experiencing severe lows, including near-death experiences and encounters with meth addiction, Antonio finds hope through his wife's support and a recovery community. With a determination to change, he transforms his life, dedicating himself to recovery and helping others in similar situations. His journey exemplifies resilience and the possibility of redemption. 00:00 Introduction and Host's Background00:31 Antonio's Early Life and Challenges02:14 Struggles with Addiction and Crime09:38 Turning Point and Recovery Journey12:17 Finding Peace and Giving Back20:47 Discovering the Truth About My Past21:16 Overcoming Emotional Challenges22:06 Finding Motivation and Building Relationships23:16 Navigating Recovery Pathways24:50 The Dangers of Relapse26:26 The Impact of Fentanyl28:14 The Importance of Positive Influences35:16 Reflecting on True Friendship36:38 Conclusion and Final Thoughts ----Across the Web----

Lamont is a recovery coach who overcame a decades-long battle with substance use. He shares his experiences growing up in the Bronx, his introduction to marijuana in college, and his subsequent descent into crack cocaine addiction. He also recounts his struggles, including losing jobs, family turmoil, and multiple stints in rehab. Eventually, incarceration and support from CCAR helped him find his path to recovery. Lamont now dedicates his life to helping others in their recovery journeys and emphasizes the importance of support, community, and honesty. 00:00 Introduction and Background 00:33 Early Life and College Years 01:15 The Start of Drug Use 02:38 Life in Addiction 10:34 Turning Point and Recovery Journey 18:58 Life After Recovery 24:04 Final Thoughts and Reflections

Jovan reveals how the COVID-19 pandemic provided unexpected opportunities for virtual support and fellowship through Zoom meetings and recovery houses. Now five years sober, Jovan discusses the serenity found in peaceful environments, the importance of making amends with loved ones, and the emotional complexities of rebuilding family relationships. His story underscores the resilience needed to maintain sobriety, the support of the recovery community, and the profound impact of open-mindedness and genuine connections. Jovan's testimony highlights his dedication to recovery, his gratitude for second chances, and his journey towards becoming a more engaged father and son. 00:00 Introduction and Personal Recovery Journey 00:24 Impact of COVID-19 on Recovery 01:23 Building Fellowship During Isolation 02:48 Challenges and Gratitude in Recovery 05:13 Reflections on Addiction and Recovery 08:24 Family and Personal Growth 10:56 The Importance of Open-Mindedness in Recovery 13:56 Generational Impact of Addiction 23:27 Family Tragedies and Addiction 23:43 A Father's Struggles and Support 24:09 The Power of Recovery 25:04 Rebuilding Relationships 25:51 The Gift of Sobriety 31:34 Acts of Kindness in Recovery 36:11 Health Challenges and Resilience 42:51 Reflections and Gratitude

Connell shares his transformative journey on the Recovery Matters podcast, revealing how he overcame alcoholism that disrupted his marriage and career. Raised in Connecticut by a resilient single mom, he found initial recovery through a Florida rehab but faced relapses before fully committing to the process. With the support of AA and the recovery community, Connell embraced a life of integrity and self-care, ultimately becoming a dedicated father, uncle, and recovery coach. He discusses the importance of patience, meeting people where they are, and maintaining honesty. Connell highlights his personal growth, his commitment to helping others, and the fulfilling life he leads today thanks to his unwavering dedication to sobriety. 00:00 Introduction and Host Background 00:22 Early Life and Family Struggles 01:07 Descent into Addiction 02:41 Seeking Help and First Rehab Experience 04:10 Challenges in Recovery 05:44 Relapse and Realization 06:26 Returning to Recovery 07:01 Living with Integrity 08:42 Building Positive Relationships 09:25 Helping Others in Recovery 10:41 Consistency and Availability 11:40 Financial Responsibility and Gratitude 12:31 Concluding Thoughts on Recovery

Jillian, a recovery coach at CCAR, shares her inspiring journey to long-term sobriety. With a clean day since February 23rd, 2021, she describes her path from battling addiction, experiencing homelessness, and losing custody of her children to embracing recovery and finding purpose as a coach. She highlights the importance of treatment, healing past traumas, and the pivotal moment she decided to change her life. Working first at Planet Fitness and then at a private treatment center, she found her calling in helping others, particularly those in situations similar to hers. Jillian emphasizes the need for support resources, particularly for mothers, and encourages those struggling to seek help before it's too late. 00:00 Introduction and Host Background 00:15 Guest Introduction and Recovery Journey 00:29 Becoming a Recovery Coach 00:52 Early Recovery Challenges 04:09 Treatment and Sober Living 06:25 Struggles and Turning Points 12:07 Rebuilding Life and Relationships 26:56 Current Life and Reflections 29:58 Advice for Those Struggling

Julio discusses the challenges he faced, including a relapse after a previous seven-year sobriety streak. He candidly talks about staying away from triggering environments, the impact of his addiction on family relationships, and his transformative experiences in rehabilitation. Julio sheds light on the emotional toll of addiction, including losing loved ones and dealing with a violent upbringing. 00:00 Introduction and Personal Stories 00:32 Overcoming Relapse and Strategies for Staying Clean 01:10 Challenges and Support Systems in Recovery 02:00 Family Dynamics and Personal Struggles 02:34 Homelessness and the Path to Detox 03:55 Rehabilitation and Self-Reflection 05:25 Building Relationships and Trust in Recovery 11:06 Faith and Spiritual Growth 12:20 Early Life and Introduction to Substance Use 16:25 Realizing the Depth of Addiction 19:03 A Dangerous Encounter 20:47 Joining the Gang 22:31 First Steps to Recovery 23:56 A Life-Changing Event 24:24 Struggles with Addiction 25:50 Embracing Recovery 28:45 The Importance of Support 35:54 Words of Wisdom

Brian, a person in long-term recovery, shares struggles with substance use that began in his teenage years, his journey through various treatments, and the pivotal moments that led him to seek a different path. Brian discusses his experiences with methadone and Suboxone, his involvement with the Connecticut Community for Addiction Recovery (CCAR), and how he now gives back as a volunteer manager supporting others in their recovery journeys. His story is one of resilience, transformation, and the importance of community and hope in recovery. 00:00 Introduction and Personal Recovery Stories 02:34 Early Life and Struggles 04:29 Descent into Addiction 06:26 Realization and Attempts at Recovery 13:37 Overcoming Addiction and Finding Recovery 17:29 Life in Recovery and Giving Back 29:58 Advice for Those Struggling

Betsy describes her journey from a turbulent childhood and early exposure to substance use to finding strength and purpose through faith and community support. Throughout her story, she details her personal struggles, the turning points that led her towards sobriety, and her work at the Connecticut Community For Addiction Recovery, an organization that played a key role in her recovery. By reflecting on her past and embracing her faith, Betsy illustrates how transformative recovery can be, especially when one discovers one's true purpose and builds a supportive network. 00:00 Introduction and Host Welcome 00:38 Betsy's Recovery Journey Begins 01:52 Faith and Family in Recovery 02:42 Challenges of Young Parenthood 04:39 Generational Struggles and Personal Growth 06:26 Early Exposure to Alcohol and Toxic Relationships 15:09 College Struggles and Finding CCAR 16:24 Realizations and Changes at CCAR 20:08 Parenting and Recovery 26:43 Working with the Reentry Community 32:36 Final Reflections and Message to Young Women

Sam shares her inspiring journey of long-term recovery, having been clean since August 11, 2020. Sam recounts her early life in Connecticut, her struggles with addiction, and the turning point that led her to seek help during the COVID-19 pandemic. She discusses her path through detox, rehab, and her commitment to the 12 Steps program. Sam also talks about rediscovering her passion for music, the importance of staying engaged in fun, sober activities, and her various roles in the recovery community, including her work as a peer support specialist and her creative outlets. Her story highlights the transformative power of recovery, community support, and personal growth. 00:00 Introduction and Recovery Milestones 01:32 Early Life and Struggles with Addiction 07:28 The Turning Point: Seeking Recovery 12:24 Entering Treatment and Early Sobriety 13:45 Life in a Sober House 15:32 Volunteer of the Year Award 15:44 First Job in Recovery 16:38 Music and Recovery 25:32 Fun Activities in Recovery 31:45 Identity and Recovery 35:58 Concluding Thoughts

Bestselling author and national recovery advocate William Cope Moyers shares his journey of recovery, which began in 1989, and his unexpected encounter with prescribed pain medication in 2012. Despite having decades of sobriety and a wealth of recovery capital, Moyers struggled for a few years with addiction to painkillers following significant dental surgery. He highlights the complexities of addiction, the importance of anti-craving medications like Suboxone, and the stigma surrounding them. This episode explores Moyers' path to finding stability again and underscores the message that recovery is not a linear journey. His new book, “Broken Open: What Painkillers Taught Me About Life and Recovery” is out now! 00:00 Introduction and Shared Experiences 00:21 The Journey to Recovery 01:22 Defining Recovery and Sobriety 02:24 The Power of Belief and Hope 05:34 Founding of CCAR and Advocacy 09:35 Challenges and Misconceptions in Recovery 13:27 Struggles with Pain Medication 22:24 Recovery Capital and Its Importance 31:13 Hitting Rock Bottom Sober 31:44 Joining Al-Anon and Learning to Let Go 32:18 Struggling with Pain Meds and Redefining Sobriety 33:15 The God Box and Medallions 34:22 Consecutive vs. Cumulative Sobriety 38:07 Stigma Around Anti-Craving Medications 42:03 Multiple Pathways to Recovery 50:23 Personal Reflections on Life and Recovery 01:01:32 Overview of the New Book

Shane shares his story of starting to drink at a young age, his college partying days, and the moment of clarity that led him to seek help. Despite numerous challenges, Shane's determination to overcome his addiction is evident. He discusses the importance of finding a personalized path to recovery and the role of sports and community outreach in his life post-recovery. The conversation highlights the power of the mind, the value of self-directed recovery, and the impact of helping others on one's own recovery journey. 00:00 Introduction and Guest Welcome 00:42 Shane's Early Drinking Days 02:17 College and Escalation 03:32 Turning Point and Seeking Help 05:51 Entering Rehab and Detox 07:21 Rehab Experiences and Realizations 09:20 Transition to Outpatient Program 11:21 Helping Others and Personal Growth 14:26 Navigating Sobriety in Daily Life 16:28 The Relentless Pursuit of Success 16:58 Transforming Relationships and Social Circles 17:30 Navigating Social Situations Sober 18:26 The Power of Mindset in Overcoming Addiction 19:05 Personal Stories of Rehab and Recovery 22:44 Replacing Bad Habits with Good Ones 27:49 Commitment and Discipline in Recovery 31:22 Final Thoughts and Future Goals

Joe, who has been sober since November 11th, 2021, shares his story of battling addiction, the impact of early life experiences, and the moment of surrender that led him to recovery. Highlights include Joe's experience growing up in a family of drinkers, the trauma of losing his father, his transformative prison experiences, and how he has turned his recovery into a platform for giving back and inspiring others. 00:00 Introduction and Host Backgrounds 00:53 Joe's Journey into Recovery Coaching 03:37 Early Life and Family Struggles 06:48 The Impact of Loss and Addiction 15:08 The Turning Point: Surrender and Rebirth 17:39 The Turning Point: Making a Decision in Jail 18:42 Finding Faith and Surrendering to a Higher Power 20:01 Discovering AA and the 12 Steps 20:24 The Power of Gratitude and Journaling 21:40 Rebuilding Life After Prison 23:37 Engaging with CCAR and Recovery Coaching 27:23 Launching Big Joe Recovery 30:59 Living a Life of Integrity and Wellness 32:53 Final Reflections and Words of Wisdom

In this episode of the Recovery Matters Podcast, host Phil welcomes Ahmed Abdel Aziz from Indivior, a global pharmaceutical company focused on addiction medicine. Ahmed introduces himself and discusses his passion for public health and addiction treatment. He highlights Indivior's commitment to transforming lives affected by substance use disorders, emphasizing the need to treat addiction as a disease, not a moral failing. Ahmed shares insights into common misconceptions about medication-assisted recovery and explains the importance of patient-centric and culturally competent care. They explore the evolving landscape of addiction recovery, including the potential of psychedelics and the principles of harm reduction. Ahmed also reflects on his personal journey and motivations for working in this field, rooted in early exposure to the pharmaceutical industry and personal experiences with friends affected by addiction. The conversation delves into broader societal perspectives on healthcare and the evolving role of big pharma in addressing public health challenges. 00:00 Introduction and Guest Welcome 00:19 Ahmed Abdel Aziz's Background and Indivior's Mission 01:33 Common Medications and Misconceptions 03:51 Ahmed's Personal Journey into Addiction Medicine 06:46 Family and Future Generations 08:46 Shifts in Addiction and Recovery Perspectives 12:37 Multiple Pathways to Recovery 22:10 Hot Topics: Psychedelics and Harm Reduction 29:27 Big Pharma and Population Health 36:41 Spirituality and Recovery Coaching 43:54 Conclusion and Final Thoughts

On this week's Recovery Matters Podcast, Phil and Tommy Rosen discuss the current state of addiction treatment, with a focus on the over-reliance on medication. They reflect on their personal recovery journeys, highlighting the importance of 12-step programs, yoga, and other non-pharmacological methods to achieve lasting sobriety. Rosen shares his transformation through yoga and meditation, manifesting a broader vision of recovery beyond traditional methods. The conversation delves into the significance of offering multiple pathways to recovery, the impact of the addictive past, and the essential spiritual pursuit of purpose in life. 00:00 Introduction and Greetings 00:52 Concerns About Medication in Addiction Treatment 02:21 Historical Perspective on Addiction Treatment 03:36 The Rise of Medication-Assisted Treatment 05:44 Personal Recovery Stories and Philosophies 14:48 The Role of Yoga in Recovery 22:21 Childhood Reflections and Hyperactivity 24:44 Reflecting on Childhood and Early Challenges 25:54 Struggles with Addiction and Substance Use 30:51 The Turning Point: Embracing Recovery 31:26 The Power of the 12 Steps 34:13 Relapse and Redemption 39:26 Exploring New Paths to Recovery 49:24 Finding Meaning and Purpose in Life 53:47 Conclusion and Future Plans

Cameron, a Harm Reduction Coordinator, delves into the complexity of human behavior, societal structures, and the importance of humane treatment for individuals still using substances. They discuss philosophical and practical aspects of harm reduction, including the distribution of clean syringes and Narcan, drug checking, and the necessity of treating those with substance use disorders with dignity and respect. This episode provides a comprehensive look at the different paths to recovery and the vital role harm reduction plays in keeping communities safe. 00:00 Introduction and Personal Recovery Stories 00:47 Challenges and Turning Points in Recovery 05:04 Understanding Harm Reduction 08:59 Harm Reduction in Practice 12:40 The Importance of Compassion and Dignity 14:18 The Role of Harm Reduction in Public Health 25:16 Personal Reflections and Future Goals 39:25 Conclusion and Final Thoughts

Michael celebrated one year of sobriety on June 24th, 2024. He delves into his deep-rooted battle with addiction. Michael details his life as an everyday meth user, starting at the age of 21, despite coming from a family with a history of substance use. He recounts his initial meth experience at an after-hours party in Fort Lauderdale and how he got entangled in a drug-fueled lifestyle that included sex clubs and parties. Michael shares his struggles with heroin and his transition into IV drug use, his relationships, and the domestic violence he endured, which led to contracting HIV. He speaks candidly about his eventually turning to escorting as a means of survival and how the COVID-19 lockdowns brought him back to the East Coast. The pivotal moment for Michael came when he received a federal target letter, prompting him to seek recovery. He discusses his path to sobriety, including attending meetings at CCAR, taking care of his aunt, and engaging in therapy. Michael's story is a testament to the resilience required to overcome addiction and the transformative power of recovery. 00:00 Introduction to TJ and Michael 00:08 Michael's Journey into Addiction 02:50 The Party Lifestyle and Meth 03:52 Experiences with Different Drugs 05:15 Struggles and Turning Points 14:25 Life in the Gay Community 25:05 Relationships and Domestic Violence 32:38 Path to Recovery 36:05 Finding New Pathways 39:12 Conclusion and Reflections

James, an author, entrepreneur, podcaster, and life coach, shares his tumultuous journey dealing with substance use, injuries, and life's setbacks. He details how his fiancée and a spiritual awakening led him to sobriety, eventually becoming a motivational writer and recovery coach. With an emphasis on the importance of a supportive community, therapy, and spirituality, James highlights the transformative power of recovery and the impact of addressing both physical and emotional pain. 00:00 Introduction and Guest Introduction 01:43 James' Journey to Recovery 03:13 Overcoming Physical and Emotional Pain 05:19 Writing and Promoting Books 09:53 Spiritual Awakening and Recovery 15:03 Challenges and Lessons from the Streets 22:22 Turning Point and New Beginnings 23:01 Shared Experiences and Reflections 23:19 Challenges of Jail Life 24:14 Path to Recovery 24:37 Holistic Approach to Well-being 25:51 Importance of Community Support 26:29 Role of Recovery Coaching 27:24 Finding Purpose in Recovery 30:39 Consistency and New Habits 35:35 Volunteering and Community Engagement 37:05 Final Thoughts and Connection

Jose shares his compelling journey from a troubled childhood in Puerto Rico and chaotic life in Bridgeport, CT, to a life led by addiction, criminal activity, and multiple incarcerations. He candidly discusses the trials of his youth, becoming a drug dealer, battling with heroin and crack addiction, and the impact it had on his family and personal life. The turning point came when he encountered recovery coaches from CCAR. With their support, Jose transformed his life, found purpose, reconnected with his family, and now dedicates himself to helping others in similar situations, illustrating the power and possibility of recovery. 00:00 Introduction and Guest Introduction 00:40 Jose's Early Life in Puerto Rico 00:54 Transition to the United States 01:22 First Encounters with Drugs 02:29 Descent into Addiction 02:50 Life on the Streets 08:20 First Incarceration and Aftermath 12:50 Struggles with Recovery 18:32 A Turning Point 21:41 Facing the Judge: A Heartfelt Plea 23:31 A Turning Point: The Power of Recovery Coaching 24:37 A New Beginning: Becoming a Volunteer 26:06 Learning and Growing: Embracing Recovery 33:59 Reconnecting with Family: Actions Speak Louder 37:56 The Power of Community: Finding Purpose 41:47 A New Addiction: Living and Loving Life 42:14 Final Thoughts: The Journey of Recovery

Jake shares his initial struggles with addiction, multiple attempts at recovery, and the significant turning points that led him to a sustainable, fulfilling life in sobriety. They discuss the challenges of early recovery, the importance of honesty and authentic support, and how Jake eventually found contentment and purpose, including his work in the recovery space and achieving personal milestones like marriage. 00:00 Introduction and Host's Recovery Journey 00:19 Guest Jake's Recovery Story Begins 01:20 The Turning Point: Seeking Help 03:40 Challenges in Detox 12:36 Life in Residential Program 14:56 Conflict and Resolution 19:58 Relapse and Continued Struggles 21:09 Starting the Recovery Journey 22:11 Struggles and Realizations 23:42 Finding a New Path 27:51 Embracing Honesty 29:29 Building a New Life 35:10 Life Today and Reflections

In this compelling episode of the Recovery Matters podcast, host TJ engages in an inspiring conversation with Craig M., a person in recovery who has been clean since April 19th, 2018. Craig shares raw and heartfelt details about his tumultuous past, including his discovery of being adopted, struggles with addiction, and multiple incarcerations. This story highlights the transformative power of recovery, the importance of building a supportive network, and the profound realizations that led Craig to embrace a new life. His journey from darkness to redemption is a testament to the resilience of the human spirit and the impact of a strong recovery community. 00:00 Introduction to TJ and Craig's Recovery Journey 01:08 Craig's Early Life and Adoption Revelation 03:57 Descent into Addiction and Legal Troubles 05:57 Struggles with Recovery and Relapse 09:59 Turning Point in Prison 19:05 Life in Prison and Recovery Program 24:51 Struggling with Addiction in Prison 25:44 A Turning Point: April 19th, 2018 27:04 Rejoining the Recovery Program 28:07 Fighting for Health and Recovery 28:58 Discovering CCAR and Peer Mentorship 30:29 Creating a New Life Plan 35:00 Overcoming Temptations and Staying Clean 43:22 The Importance of a Strong Network 44:38 Conclusion and Reflections

In this episode of the Recovery Matters podcast, Celine recounts her struggles and ultimate surrender to addiction, a process that began with a tumultuous life marked by desperation and withdrawal symptoms. Her compelling story highlights the physical and mental challenges of finding a detox facility and the pivotal moment of divine intervention that led her to recovery. Celine also discusses her upbringing in a household affected by substance misuse, the emotional toll it took on her, and how she overcame familial and personal battles. The episode concludes with Celine reflecting on her meaningful recovery process, her ongoing relationship with her higher power, and her dedication to helping others as a recovery coach. 00:00 Introduction and Host's Background 00:19 Guest's Early Recovery Journey 01:26 Struggles and Turning Points 04:15 Desperation and Seeking Help 06:51 Finding Hope and Support 11:07 Temptation and Support in Recovery 14:01 Host's Temptation Story 15:06 Changes in Recovery Over Time 15:21 Guest's Childhood and Upbringing 15:28 Growing Up in West Hartford 16:02 Life with a Tricarious Mother 16:58 Childhood Trauma and Drug Exposure 20:05 Struggles with Alcohol 22:38 The Turning Point 26:44 Rebuilding and Recovery 32:53 Words of Encouragement

In this emotional episode of the Recovery Matters podcast, host TJ chats with Jason, who shares the intense and harrowing story of his struggles with addiction and his path to recovery. Jason reveals his early start with substance use at the age of 12, driven by an abusive household, and his subsequent descent into the world of drugs and criminal activity. The narrative covers his multiple incarcerations, the lows of his addiction, moments of introspection, and pivotal turning points. Jason also talks about how he found a support system through Narcotics Anonymous, rediscovered his self-worth, and eventually turned his life around. This episode serves as a powerful testament to the resilience of the human spirit and the possibility of recovery. 00:00 Introduction and Guest Introduction 00:30 Jason's Early Drug Use and Family Struggles 02:41 Life on the Streets and First Encounter with Cocaine 07:21 Living with a New Family and Deeper Involvement in Drugs 10:50 First Trouble with the Law and Juvenile Detention 14:16 Life in Juvenile Detention and Reinforced Addiction 17:52 The Halfway House Experience 18:19 A Counselor's Eye-Opening Advice 20:01 Struggles with Relapse 21:54 A Humbling Experience 23:33 A Turning Point 26:02 Starting Over 32:28 Recovery and Rediscovery

Phil discusses his diagnosis of diffuse aggressive B-cell non-Hodgkin's lymphoma and his reflections on dealing with cancer for the second time, emphasizing his attempts to put affairs in order and contemplate the significance of life and the possibility of an afterlife. Jackie shares her story of being diagnosed with leukemia at 17, undergoing a bone marrow transplant, and facing various long-term side effects and subsequent cancer diagnoses. The conversation also explores their attitudes towards treatment decisions, the importance of self-care, and the support they've received from their community. Throughout, both exhibit a strong sense of resilience, focusing on living in the present, the therapeutic value of creating art, and the idea of legacy and impact on others. 00:00 A Heartfelt Conversation on Cancer and Resilience 02:32 The Second Battle: Doubts and Reflections 13:35 Navigating Treatment Choices and Embracing Uncertainty 18:52 Exploring Faith and Spirituality Through Cancer Recovery 22:06 Reflecting on Life's Challenges and the Journey of Recovery 22:19 Embracing Retirement and Passing the Torch 23:33 The Essence of Recovery and Self-Care 27:22 Personal Growth and Future Aspirations 34:41 The Healing Power of Community Support and Spirituality 38:37 Navigating the Side Effects of Treatment and Embracing Change

Listen as CCAR President Jamuna Thill,  President-Elect Jennifer Parker, Secretary/Treasurer Kyle Paris, and Immediate Past President Shana Acquisto discuss NAR's proposed settlement. Listeners will hear from CCAR Executive Committee members as they share their thoughts on how this will affect the real estate industry, key practice changes you should prepare for and a timeline for key milestones of the agreement. Do you wish you could sit at a table and hear what your colleagues think of the settlement? Then this episode is for you.

The Inside Economics team is joined by CPI guru and colleague Matt Colyar to discuss the bevy of inflation-related data released this week. First the team dissects the Federal Reserve's CCAR stress test scenarios and laments the perpetually inconvenient timing of their release. Talk turns to the root causes for the inflation of the past few years and why shelter inflation is so stubborn. The team imagines themselves on the FOMC for a day and what they would do with interest rates going forward. Follow Mark Zandi @MarkZandi, Cris deRitis @MiddleWayEcon, and Marisa DiNatale on LinkedIn for additional insight.

Journey through Recovery: A Conversation with Dr. Rick Davila In this podcast episode, Dr. Rick Davila shares his personal journey with recovery from alcohol addiction which started in October 1966, when he was only seven years old. He shares about his transformative years, the importance of 12-step recovery programs and his strong emphasis on AA meetings for his recovery. Davila explains his experience of transitioning from a troubled adolescent, a military stint and his struggle with heavy alcoholism to becoming a recovery coach. Despite his struggles, he emphasizes his commitment to helping others battling with addiction. He reflects upon the evolution of alcohol and drug rehabilitation treatment, and the emergence of multiple pathways to recovery beyond the traditional 12 step programs. Finally, he expresses his view on maintaining daily recovery wellness and his continued commitment to assisting others on their path to recovery. 00:00 Introduction and Guest Presentation 00:05 Dr. Rick Davila's Early Life and Recovery Journey 01:13 Military Service and Struggles with Alcohol 02:33 Discovering Alcoholics Anonymous and Recovery Culture 04:04 The Struggles and Challenges of Early Recovery 07:27 Transition into the Field of Helping Others 08:14 The Impact of Ego and Power in Recovery 10:36 Returning to the Field and Overcoming Challenges 16:19 Maintaining Recovery and Giving Back to the Community 16:51 Reflections on Multiple Pathways to Recovery 20:17 Closing Remarks and Reflections

In this episode of the Recovery Matters Podcast, host Phil interviews Randy Anderson, a person living in long-term recovery since January 9, 2005. Randy is also a recovery coach and the founder of Bold North Recovery. The episode delves into Randy's journey from addiction to recovery, highlighting the significant role that law enforcement intervention played in his life. Randy shares a pivotal moment in his treatment when a counselor's challenging words ignited his determination to recover. Randy also discusses his advocacy work, particularly in the realm of drug sentencing reform. He emphasizes the racial disparities in the criminal justice system and calls for more people in recovery to get politically involved. Randy believes that the only way to bring about meaningful change is for people in recovery to have a seat at every table, or better yet, to build their own table for others to join. The episode serves as a powerful testament to the transformative power of recovery and the importance of advocacy in effecting systemic change.

In this episode we talk with Rabbi Erica Asch, president of the CCAR and Rabbi in Augusta Maine, about all the big Jewish sociological questions of our time.

As the U.S. banking sector faces oncoming regulatory changes, how will the smaller banks react to these new requirements and what will the impact be on markets?----- Transcript -----Welcome to Thoughts on the Market. I am Vishy Tirupattur, Morgan Stanley's Chief Fixed Income Strategist. Along with my colleagues, bringing you a variety of perspectives, I'll be talking about the impact of potential regulatory changes on bank assets. It's Tuesday, April 18th at 11a.m in New York. In the wake of the tumult in the banking sector since early March, and the significant intervention by the authorities, it is likely that a regulatory response will follow, particularly focused on the regulation of regional banks. President Biden has already called on the federal banking agencies in consultation with the Treasury Department, to consider a set of reforms that will reduce the risk of future banking crises. A review led by Michael Barr, the Vice Chair for Supervision at the Federal Reserve Board, is set to be released by May 1st and will likely offer some indication as to where future bank regulation might be headed. In this context, it is worthwhile to examine potential changes to regional bank regulation, reflect on how banks would respond to such changes and consider their impact on markets. Across all banks, there are approximately 4.7 trillion of non-interest bearing deposits with the duration of about seven years. Banks will likely need to either review and re-justify or shorten such deposits. Our bank equity analysts expect two key regulatory changes TLAC, total loss absorbing capacity and LCR, liquidity coverage ratio, to be extended to smaller banks, about $100 billion in assets, though this process will likely not get fully implemented until 2027. From the perspective of rates markets, these changes make the case for steepening of the curve. Our rate strategists see bank demand for treasuries increasing relative to other assets with greater LCR requirements. Both shortening deposit duration and implementing LCR suggest that banks would favor shorter dated Treasuries over longer dated Treasuries. More longer term issuance due to TLAC, drives higher long term yields and fixed income, with support curve steepeners for Treasuries over the medium term. For agency mortgage backed securities, these changes will result in less demand from banks and consequently wider mortgage spreads. For munis, these changes would likely imply a lower footprint from banks with available for sale securities favored or held to maturity securities. For securitized credit markets, we see downside in demand ahead. Longer term outlook for securitized credit depends on the specifics of regulatory reform, but is likely to remain tepid for some time to come. The expansion of TLAC to smaller banks could intensify supply headwinds in the medium term. Our credit strategists believe that supply risks in bank credit are now skewed to the upside. The emphasis on funding diversity and shift away from deposits to wholesale funding, is likely to keep regional bank issuance elevated for longer. An important lesson from recent events in the banking sector, is that the risks to the asset banks hold, extend beyond credit risk into other risks, most notably interest rate risk. While interest rate and convexity risks are reflected in Comprehensive Capital Analysis Review, CCAR and Horizontal Liquidity Review, HLR test, arguably not having an interest rate component to risk weights enable banks, and regional banks in particular, to seek term premia to support their earnings. It is not our base case that this will change. However, it is possible that regulators would at least consider enacting some type of a charge for owning longer-duration securities. At a minimum, we expect the regulators could require all banks to flow marked-to-market hits from available-for-sale securities through their regulatory capital ratios, something that the big banks have been doing already. Ultimately, new regulations for regional banks will take time for formulation and implementation. We'll be watching developments in this space closely. Thanks for listening. If you enjoy the show, please leave us a review on Apple Podcasts and share Thoughts on the Market with a friend or colleague today.