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When is good enough actually good enough? AI is reshaping how I work and live. And a member with a portfolio that's beaten an all-in-one Vanguard LifeStrategy fund for ten years asks whether the complexity is worth it — or whether it's time to simplify.SponsorsMasterworks - Invest in multimillion-dollar artwork offeringsDelete Me – Use code David20 to get 20% offInsiders Guide Email NewsletterGet our free Investors' Checklist when you sign up for the free Money for the Rest of Us email newsletterOur Premium ProductsAsset CampMoney for the Rest of Us PlusShow NotesThe Upswing: How We Came Together a Century Ago and How We Can Do It Again by Robert Putnam—Simon &SchusterAn update on our model deprecation commitments for Claude Opus 3—AnthropicClaude's Corner—SubstackInvestments MentionedVanguard LifeStrategy Growth Fund Investor (VASGX)Masterworks DisclosuresListeners get priority access to Masterworks at https://www.Masterworks.com/davidArt correlation and appreciation data based on repeat-sales index of historical Post-War & Contemporary Art market prices and S&P 500 annualized return (includes dividends reinvested) from 1995 to 2025, developed by Masterworks. There are significant limitations to comparative asset class data. Indices are unmanaged and a Masterworks investor cannot invest directly in an index. Content creator (the “Endorser”) receives cash compensation from Masterworks, LLC (“Masterworks”). Endorser is a client of Masterworks. Masterworks can only make and accept sales after an offering statement has been filed, and “qualified”, by the SEC. Any offers may be revoked before notice of qualification. Indications of interest involve no obligation. Investing involves risk. Past performance not indicative of future returns. For further disclosure on Regulation A Offerings, Risks of Investing, Performance Metrics, Art Market Data, and more visit the offering documents filed with the SEC and Important Disclosures at masterworks.com/cd.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Not sure if you're financially ready to retire? Let's create a strategy to give you confidence. Book a call with Peter now. -----  This is the third and final episode in our ETF series, and it seeks to answer a common question that comes up with 351 exchanges: How do you decide which ETF is the right one when it doesn't have a track record? In this episode, I explain what a 351 exchange is in plain English and share a practical framework to use before making a commitment before a fund is live.   Listen now and learn: ► What a 351 exchange is–and why ETFs are uniquely suited for it ► The right way vs. wrong way to think about choose a 351 exchange ETF ► The key due diligence questions that matter most when a fund has no track record ► Types of investors that benefit most from participating in a 351 exchange   Visit www.TheLongTermInvestor.com for show notes, free resources, and a place to submit questions.   Disclosure: This content, which contains security-related opinions and/or information, is provided for informational purposes only and should not be relied upon in any manner as professional advice, or an endorsement of any practices, products or services. There can be no guarantees or assurances that the views expressed here will be applicable for any particular facts or circumstances, and should not be relied upon in any manner. You should consult your own advisers as to legal, business, tax, and other related matters concerning any investment. The commentary in this "post" (including any related blog, podcasts, videos, and social media) reflects the personal opinions, viewpoints, and analyses of the Plancorp LLC employees providing such comments, and should not be regarded the views of Plancorp LLC. or its respective affiliates or as a description of advisory services provided by Plancorp LLC or performance returns of any Plancorp LLC client. References to any securities or digital assets, or performance data, are for illustrative purposes only and do not constitute an investment recommendation or offer to provide investment advisory services. Charts and graphs provided within are for informational purposes solely and should not be relied upon when making any investment decision. Past performance is not indicative of future results. The content speaks only as of the date indicated. Any projections, estimates, forecasts, targets, prospects, and/or opinions expressed in these materials are subject to change without notice and may differ or be contrary to opinions expressed by others. Please see disclosures here.   Editing and post-production work for this episode was provided by The Podcast Consultant (⁠https://thepodcastconsultant.com⁠)

 Summary Ali Damron shares a heartfelt personal journey through grief, caregiving, and resilience, offering insights into navigating loss and supporting others through difficult times. This episode emphasizes the importance of community, self-trust, and understanding the nervous system's role in healing.  Key  topics Personal story of loss and caregiving The nervous system's response to grief Strategies for emotional resilience and healing  Takeaways Your body is not broken; it responds to stress and grief. Allow yourself to feel and process emotions without judgment. Support from community and loved ones is vital for healing. The nervous system plays a key role in how we experience grief. Sharing your story can help others feel less alone.  Sound bites "Grief is a colander that slowly drips" "Our brain protects us with waves of grief" "Your body is not broken, it's responding" Chapters 00:00 Navigating Grief: A Personal Journey 09:47 The Impact of Grief on the Body and Mind 19:57 Coping Strategies and Community Support Resources David Kessler's grief resources - https://www.grief.com/ Ali Damron's website - https://alidamron.com/ Grief and Loss Podcast with Mel Robbins - https://www.melrobbins.com/podcasts Ali's Resources:  Consults with Ali  BIOptimizers Magnesium Breakthrough 10% off using code ALIDAMRON10 www.alidamron.com/magnesium Master Your Perimenopause Course + Toolkit "Am I in Perimenopause?" Checklist.  What Hormone is Imbalanced? Quiz! Fullscript (Get 10% off all supplements) "How To Balance Your Hormones For Better Sleep, Mood, Periods and Energy" Free, On Demand Training Website  Ali's Instagram Ali's Facebook Group: Holistic Health with Ali Damron 

If you've ever designed a PD session that had great content—but still didn't land—this episode is for you. Elena shares a story of how she redesigned a session to prioritize emotional safety and connection—and offers a powerful checklist with examples to help you prepare your own sessions for meaningful learning.Keep learning: Transform your design and facilitation at The PD WorkshopFive Conditions for Transformational Learning Starter ToolAttend The Art of Virtual PD to create connection across scenes Expand your design and facilitation knowledge with The PD Book Watch The Bright Morning Podcast on YouTubeFree community webinars Receive weekly wisdom and tools from Elena delivered to your inboxBecome a Bright Morning Member Follow Elena on Instagram and LinkedInFollow Bright Morning on LinkedIn and InstagramSupport the show:Rate and review usReflection questions: What conditions were present—or missing—in the last PD session you led?How might your session design shift if your first priority was to create the conditions for learning?What is one small move you could make this week to build more safety, connection, or clarity in a space you lead?Podcast Transcript and Use:Bright Morning Consulting owns the copyright to all content and transcripts of The Bright Morning Podcast, with all rights reserved. You may not distribute or commercially exploit the content without our express written permission.We welcome you to download and share the podcast with others for personal use; please acknowledge The Bright Morning Podcast as the source of the material.Episode Transcript

Cómo identificar el cansancio y recargar energía: descubre un práctico checklist para mejorar foco, reducir fricción y sentirte mejor.   Minuto a minuto del episodio:   - Cómo identificar y atacar el cansancio constante (00:00:00)   - Cansancio extremo: diferencias, señales y cuándo consultar a un médico (00:02:28)   - Productividad, fricción y señales personales de cansancio físico y mental (00:05:21)   - Cómo el cansancio afecta tu capacidad de resolver problemas (00:10:22)   - Checklist rápido para recargar energía cuando tus niveles de fatiga son altos (00:14:19)   - Movimiento, naturaleza y conectar con otros: hábitos para recargar el sistema (00:26:10)   - Alimentación, ciclos de cansancio y claves para cortar el desgaste semanal (00:32:37)   - Súper pregunta de la comunidad sobre planificación anual: ¿digital o a mano? Pros, contras y experiencias personales (00:33:38)  

To download the FREE Sleep Guide & Check List go to https://www.skool.com/roadmanAnthony Walsh sits down with Harry Gestetner, founder of the Orion sleep system, to unpack the science of sleep and its impact on athletic performance. They explore sleep cycles, recovery, and the role of body temperature in quality rest, along with practical ways athletes can optimise their sleep for better training and results.A BIG shoutout to our incredible sponsors - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Parlee Cycles ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠"Whether it's a tough day, a gruelling training session, an epic road trip or sitting on the side of the road, exhausted and wondering how you'll get to the top... The answer is regularly to just get back in the saddle and ride. Ride The F...ing Bike. RTFB!"Go check out their amazing bikes at https://www.parleecycles.com/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠4Endurance⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Pro level fuel, made accessible. Myself and Sarah trust 4Endurance for all our fuelling needs. Their reange is HUGE and won't break the bank. Go check them out here https://4endurance.com/⁠⁠⁠⁠⁠⁠⁠METPRO⁠⁠⁠⁠⁠⁠⁠ MetPro coaches analyze your unique metabolic profile — how your body processes fuel under stress — and use that data to build a personalized nutrition and training strategy that evolves as your training load and goals change.And right now, Roadman Cycling listeners can get a complimentary metabolic profiling assessment, plus a one-on-one consultation with a MetPro coach.Just go to ⁠⁠⁠⁠⁠⁠⁠www.metpro.co/roadman⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠BIKMO⁠⁠⁠⁠⁠⁠⁠Bikmo protects you and your bike fromtheft, accidental damage, race-day disasters, and even baggage claim shenanigans. Yourhelmet, GPS, and other kit are covered too. Got more than one bike? Of course you do – you get 50% off each extra bike on the same policy.Protect your ride before it's too late – head to ⁠⁠⁠⁠⁠⁠⁠Bikmo.com⁠⁠⁠⁠⁠⁠⁠ to get covered.

“Behold, children are a heritage from the Lord, the fruit of the womb a reward.” - Psalm 127:3 Children are a precious gift from God—an inheritance to cherish and steward well. Along with the joy of welcoming a new baby comes a new layer of responsibility, including financial decisions that can shape your family's future. A thoughtful checklist can help bring clarity and peace during a season that is both beautiful and demanding. Here are several key financial steps to consider after bringing a newborn home. Add Your Baby to Health Insurance In the midst of sleepless nights and constant diaper changes, don't forget to update your health insurance. Most plans allow about 30 days after birth to add your baby to your policy. While reviewing your coverage, confirm that pediatric care, vaccinations, and potential hospital visits are included. The birth of a child qualifies as a life event, meaning you can make necessary adjustments to your plan. Review Your Life Insurance Coverage Life insurance is essential for parents—not for the baby, but for you. A common guideline is to carry term life insurance equal to at least 10 times the primary breadwinner's salary. Don't overlook the caregiving spouse either. Replacing the cost of childcare, household management, and daily care would be significant, making coverage for both parents wise and necessary. Update Your Budget A new baby brings new expenses—and often quickly. Consider creating a dedicated “baby” category in your budget to account for diapers, wipes, clothing, feeding supplies, and medical needs. You may need to shift funds from other areas to stay balanced. Planning now can ease stress later and help you adjust as needs evolve. Create or Update Your Will A will is not just about distributing assets—it's where you designate a guardian for your child. While this can feel like a difficult decision, having a plan in place is essential. After prayerful consideration, choose someone who would care for your child with wisdom and love. You can always revise your decision later. A clear will can also prevent confusion or conflict and ensure your assets pass according to your wishes. As Proverbs 13:22 reminds us, “A good man leaves an inheritance to his children's children.” That inheritance includes not only finances but also a legacy of faith and stewardship. Strengthen Your Emergency Fund If you don't already have an emergency fund, aim to save three to six months of living expenses. If you had one before your baby arrived, you may need to increase it to reflect higher monthly costs. Unexpected medical bills, job changes, or major purchases—such as strollers or childcare—can quickly strain finances. A strong emergency fund provides stability during uncertain moments. Update Your Taxes and Withholding With a new child, you can claim an additional dependent on your tax return, which may qualify you for a child tax credit of up to $2,200 per child. You'll also want to update your W-4 at work so your withholding reflects your new household size. This may increase your take-home pay throughout the year. Begin Education Savings Starting early can make a significant difference. A 529 plan allows tax-free investment growth for qualified education expenses, including private K–12 schooling, vocational training, and college. You can open a plan in any state, and family members or friends can contribute to it. New options like the Trump Accounts opening up in July of 2026—are government-seeded investment accounts designed to support future education, business startup costs, or homeownership—are also expanding the ways families can plan ahead. Protect Your Child's Identity Finally, consider placing a credit freeze on your child's file with the major credit bureaus. This simple step can help guard against identity theft and prevent unauthorized accounts from being opened in their name. Stewarding the Gift Welcoming a child is one of life's greatest joys—and one of its greatest responsibilities. Financial preparation won't eliminate every uncertainty, but it can create stability and margin for what matters most: loving your child and pointing them toward Christ. As you plan, remember that the ultimate inheritance you pass on is not financial—it's a legacy of faith, wisdom, and trust in the Lord who provides for every season. On Today's Program, Rob Answers Listener Questions: How can I evaluate whether a ministry is a wise place to give? I've received appeals from the Far East Broadcasting Company about outreach into North Korea, but I don't know how to vet them. At 70 and 75, after health and job setbacks, we want to steward about $30,000 wisely for our kids and 15 grandkids. We're not experienced investors—what's the best way to handle this at our stage of life? I began Social Security at full retirement age but still work full-time. My benefit hasn't been recalculated despite higher earnings. Who can help me resolve this—an agency or an attorney? After downsizing and paying off debt, we have a manageable mortgage and solid savings. Should we pay extra to pay off the mortgage quickly, or keep the payments and focus on saving and enjoying this season? Resources Mentioned: Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner) ECFA | Charity Navigator Betterment | Schwab Intelligent Portfolios® | Sound Mind Investing (SMI) Social Security Administration (SSA.gov) Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety Rich Toward God: A Study on the Parable of the Rich Fool Find a Certified Kingdom Advisor (CKA) FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Children certainly are a precious gift from God, a reward and heritage to be cherished and valued. Along with that joy comes responsibility. On the next Faith & Finance Live, Rob West talks about a financial checklist for parents with a new baby. Then, he addresses your questions on various financial topics. That’s Faith & Finance Live —where biblical wisdom meets today’s finances, weekdays at 4pm Eastern/3pm Central on Moody Radio. Faith & Finance Live is a listener supported program on Moody Radio. To join our team of supporters, click here.To support the ministry of FaithFi, click here.To learn more about Rob West, click here.To learn more about Faith & Finance Live, click here.See omnystudio.com/listener for privacy information.

Your “perfect man” checklist might be the very thing keeping you single. You made the list because you were told that's how smart women date. Know what you want. Don't settle. Have standards. And yet you keep ending up with men who look great on paper and feel wrong in real life. Or you eliminate every man before he ever has a real chance. At some point you have to ask yourself if the list is actually serving you. In this episode, Hilary breaks down three reasons the checklist backfires. She explains the difference between surface-level criteria and real character, why most women struggle to recognize emotional health when they see it, and how “high standards” can quietly function as protection from vulnerability. Shared religion, impressive credentials, and lifestyle alignment may check boxes, but they do not guarantee integrity, kindness, or emotional maturity. This conversation is not about lowering your standards. It is about refining them. It is about learning to assess consistent behavior over optics, trusting what you feel in your body, and choosing from discernment instead of fear. When you stop dating from a spreadsheet and start dating from self-trust, everything changes. Episode Highlights: Why your checklist might be screening for credentials instead of character The difference between logistics that matter and boxes that mean nothing How men can “perform” emotional availability and how to tell when it's real The subtle way high-achieving women turn dates into auditions When “high standards” are actually fear of vulnerability in disguise Episode Breakdown: 00:00 The Problem with the Partner List 03:12 Surface-Level Traits vs. Real Character in Dating 05:53 How to Spot Real Emotional Availability 08:45 The Dangers of Assumptions in Relationships 12:01 Are Your High Standards Blocking Love? 14:45 How to Use a Dating Checklist the Right Way ✨ I'm Hilary Silver, LCSW, former psychotherapist turned master coach and founder of Ready for Love. I help high-achieving women show up in love as confidently as they do in their careers.

▶︎ Order my new book, The Connection Code: https://theconnectioncodebook.com▶︎ Get my FREE ‘Self-with' Checklist: https://beehive.drmelissasonners.com/Self-With-checklistDo you ever feel like you've lost touch with yourself?Like somewhere along the way, the confident, knowing, grounded version of you got buried under the noise of daily life?You're not alone... and it's not your fault.In this video, Dr. Melissa Sonners introduces you to the inner voice that's been with you your entire life. She's your intuition, your inner guide, your most powerful ally. And most of us have completely stopped listening to her.You'll learn how to:▶︎ Identify your inner voice and understand how she shows up in your life▶︎ Name her (yes, really!) so you can start working with her instead of against her▶︎ Create a little distance between your inner critic and your true, highest self▶︎ Redefine self-care in a way that actually fits into your busy life▶︎ Reconnect with your feminine intuition for more clarity, confidence, and calmThis isn't about adding more to your plate. It's about tuning back in to the guide you were born with, the one who's been waiting for you to listen.She's still there. And she has a lot to say.****************Want a free and meaningful way to support the show? Give us a ⭐️⭐️⭐️⭐️⭐️ rating on Spotify or Apple Podcasts (you can even leave a review on Apple too!). And if you're tuning in on YouTube, don't forget to like, comment, and subscribe. Your support helps more mamas discover this space and we're so grateful you're here.Follow Melissa:▶︎ YouTube▶︎ Facebook▶︎ Instagram▶︎ TikTok

In part two of our deep dive into digital privacy, Jennifer and Corey move from the "why" to the "how." While the first episode set the stage for the shifting landscape of 2026, this episode provides a practical, actionable roadmap for independent physician practices to audit their digital footprint.We discuss why most practices are accidentally exposed to risk through "off-the-shelf" website plugins and why it's time to move toward a PHI-free analytics model. This isn't about turning off your marketing; it's about recalibrating your tools to ensure that patient trust—and your legal standing—remains intact.Tune in to the episode to learn:The Audit First Step: Why you need a full inventory of every pixel, chatbot, and tracking plugin running on your site before adding anything new.High-Risk Pages: Identifying the specific areas (like condition pages, provider bios, and portal logins) where "click IDs" can inadvertently create HIPAA violations.The URL Leak: How descriptive URLs can unintentionally transmit PHI to third-party ad platforms.Consent vs. Authorization: Why a standard "accept cookies" banner does not constitute a HIPAA-compliant authorization.Safe Operating Models: Transitioning to anonymous, first-party data strategies that focus on traffic trends rather than identifiable user profiles.

In this episode, I'm continuing our three-part series on KPIs for sourdough micro bakery owners, and today we're getting practical. Last week we talked about why paying attention to your numbers matters. In this episode, I'm breaking down what you actually need to look at. Because when people say “know your numbers,” that can feel vague and overwhelming. The truth is, you don't need a giant spreadsheet or dozens of complicated metrics. In my own bakery, I've found that almost everything I need to understand about my business falls into four clear areas: revenue, product performance, customer behavior, and profit. When those four areas are visible, the business starts to feel a lot less chaotic.We walk through each of those lenses together and talk about the specific things worth paying attention to inside each one—from understanding your monthly revenue trends to identifying which products truly strengthen your bakery, to noticing how repeat customers actually build stability in your business. This conversation is all about putting on your CEO hat and leading with clarity instead of emotion. When you begin to see patterns in your numbers, decisions become calmer and more intentional. And that's where sustainable, burnout-proof businesses are built.Resources:Get the Bread Winner Business Alignment Journal: https://carolinebower.com/journalGrab the Profit & Pricing Calculator: Simplify the math, clarify your margins, and confidently price your products. https://carolinebower.com/calculator Follow me on Instagram for more microbakery tips: @carolinebower_sourdoughFind links to all of my sourdough microbakery favorites including packaging, pans, and more! www.carolinebower.com/linksDownload the FREE Guide and Checklist, Your First Steps to a Successful In-Home Bakery at https://www.carolinebower.com/checklist to begin building YOUR thriving microbakery!

What if the biggest career breakthrough comes before you feel ready? Most leaders believe career growth is a ladder. It's actually a series of "scary" leaps into the unknown. Most professionals wait for confidence before taking the next step but real career growth happens just outside your comfort zone.In this episode, Dr. Mira Brancu explores why career growth rarely follows a linear path and how the most transformative opportunities often appear before we feel fully prepared. She breaks down the psychology behind stretch opportunities, explaining how stepping just outside your comfort zone within the Zone of Proximal Development builds real capability and long-term career momentum. Learn how to evaluate new roles using a practical five-question framework, why feelings of being underqualified are often misleading, and how social conditioning influences confidence in career decisions. Dr. Brancu also introduces the importance of building an “Informal Board of Directors,” highlighting how mentors, feedback, and strategic support systems help professionals navigate uncertainty, develop resilience, and turn intimidating career leaps into defining moments of growth.Ready to stop playing it safe? Subscribe to The Hard Skills for more science-backed leadership strategies.Links to Career-Defining blog posts on Psychology Today:https://www.psychologytoday.com/us/blog/a-new-look-at-womens-leadership/202001/advancing-your-career-through-informal-mentoringhttps://www.psychologytoday.com/us/blog/new-look-womens-leadership/202002/how-create-career-defining-experienceshttps://www.psychologytoday.com/us/blog/a-new-look-at-womens-leadership/201901/why-go-for-opportunities-when-you-are-under-qualifiedhttps://www.psychologytoday.com/us/blog/a-new-look-at-womens-leadership/201902/5-rules-to-live-by-when-looking-for-the-perfecthttps://www.psychologytoday.com/us/blog/a-new-look-at-womens-leadership/201812/7-tips-to-say-yes-to-more-of-the-right-opportunitiesLink to Career Design Workshop Registration: https://luma.com/auobmkbyIF YOU ENJOYED THIS EPISODE, CAN I ASK A FAVOR?We do not receive any funding or sponsorship for this podcast. If you learned something and feel others could also benefit, please leave a positive review. Every review helps amplify our work and visibility. This is especially helpful for small women-owned boot-strapped businesses. Simply go to the bottom of the Apple Podcast page to enter a review. Thank you!Subscribe to my free newsletter at: mailchi.mp/2079c04f4d44/subscribeWork with me one-on-one: calendly.com/mira-brancu/30-minute-initial-consultationConnect with me on LinkedIn: www.linkedin.com/in/MiraBrancuLearn more about my services: www.gotowerscope.comGet practical workplace politics tips from my books: gotowerscope.com/booksAdd this podcast to your feed: www.listennotes.com/podcasts/the-hard-skills-dr-mira-brancu-m0QzwsFiBGE/

IVF is a very emotional journey. It can be riddled with fear, doubt, and is full of periods of waiting and wondering. For my patients, I want to reduce any emotional or physical burdens by creating an IVF checklist for them. It covers the core essentials of everything we need to do, so there are no conversations that begin with, "I wish I would have…" down the road. I don't want you to have to wonder if you've done everything you can to have a successful IVF outcome. This is true if you're my patient, or you live half-way across the world. I want to equip you with a complete IVF checklist. I want you to feel prepared going into IVF so there is less chance of having any regrets if things don't pan out as you hope they will. Of course, this can't serve as your only guidance during IVF. Please discuss anything and everything with your doctor! Read all of the show notes on Dr. Aimee's website Do you have questions about IVF?Click here to join Dr. Aimee for The IVF Class. The next live class call is on Monday, March 9, 2026 at 4pm PST, where Dr. Aimee will explain IVF and there will be time to ask her your questions live on Zoom.   Click to find The Egg Whisperer Show podcast on your favorite podcasting app.   Watch videos of Dr. Aimee answer Ask the Egg Whisperer Questions on YouTube.  Sign up for The Egg Whisperer newsletter to get updates Dr. Aimee Eyvazzadeh is one of America's most well known fertility doctors. Her success rate at baby-making is what gives future parents hope when all hope is lost. She pioneered the TUSHY Method and BALLS Method to decrease your time to pregnancy. Learn more about the TUSHY Method and find a wealth of fertility resources at www.draimee.org.

Ready to safeguard your finances and make confident life transitions? In this must-listen episode of Dollars & Sense with Joel Garris, Joel dives into two of today's most important money topics: protecting yourself from modern scams and preparing for a move to a retirement care community. 

Your ultimate guide to thriving this autumn. From creating rituals to style tips to brighten up your wardrobe and a life changing hack way to find new books to read, we get into all the tips and tricks to embrace the cooler weather.

In this episode, we discuss a study published in PLOS One that compared living brain tissue to post-mortem brain tissue and found dramatic molecular differences between the two. The findings raise serious questions about decades of Alzheimer's research built on post-mortem analysis and may help explain why pharmaceutical treatments for the disease have been so disappointing Study: A Study of RNA Splicing and Protein Expression in the Living Human Brain -------------- To submit a question for us to answer on the podcast, go to brainjo.academy/question. To subscribe to the free Better Brain Fitness newsletter, join us when we record live, and get our Guide and Checklist to essential blood tests and nutrients, go to: betterbrain.fitness. To learn more about how you can boost brain fitness with neuroscience-based musical instruction, head to brainjo.academy.  Intro and Outro music composed and produced by Julienne Ellen.   

Welcome to Card Foundation Podcast Episode 264.

Episode 105 starts with a startling proclamation as Mike reveals what feels like a seismic decision to pull the plug on LinkedIn. He transparently shares what's going on in his mind and heart, along with what he's reading and experiencing, that prompted this bold (and surprising) move. The episode concludes with a simple, practical sales management checklist that Mike will be working through during a large client's upcoming annual learning conference. Listen in as he briefly unpacks these Sales Management. Simplified. Fundamentals: Master the 1:1 Accountability Meeting (and the RPA progression) Get a True Hunter (DNA) in a Sales Hunting Role Identify and Address Underperformance Quickly (coach-up or out) Ensure Every Sales Rep Is Targeting a Strategic, Finite List Observe and Coach Your Salesperson (get your head out of the CRM & spreadsheets)  RESOURCES MENTIONED IN THIS EPISODE: Mike's LinkedIn post  The hospice nurse's article about the final thoughts from 300 patients It's Sales Management Malpractice to Ignore Underperformance podcast episode Just Announced: October 7 Supercharge Your Sales Leadership event _____________________________ This episode is sponsored by Pursuit Sales Solutions. If you are looking for help adding A-player talent to your team, contact Mike's friends at pursuitsalessolutions.com/weinberg

In this Losers Are Winners episode, Mark and Trapper Roderick dig into what's changing fast in high-performance, wellness-forward homes. They connect the dots between building science and real-life health: cleaner air, better water, smarter ventilation, and materials that don't make your body quietly revolt. They also get into the fun stuff—saunas, cold plunges, steam showers, and gyms with the best views in the house (because misery loves a basement…until it doesn't). Come for the wellness trends, stay for the mechanical-room truth bombs and the accidental dad-joke chaos. Support the show - https://www.curiousbuilderpodcast.com/shop See our upcoming live events - https://www.curiousbuilderpodcast.com/events The host of the Curious Builder Podcast is Mark D. Williams, the founder of Mark D. Williams Custom Homes Inc. They are an award-winning Twin Cities-based home builder, creating quality custom homes and remodels — one-of-a-kind dream homes of all styles and scopes. Whether you're looking to reimagine your current space or start fresh with a new construction, we build homes that reflect how you live your everyday life. Sponsors for the Episode:  Pella Website: https://www.pella.com/ppc/professionals/why-wood/  Where to find the Guest:  Website: https://www.roderickbuilders.com/ Instagram: https://www.instagram.com/roderickbuilders Facebook: https://www.facebook.com/Roderickbuilders Where to find the Host:  Website - https://www.mdwilliamshomes.com/  Podcast Website - https://www.curiousbuilderpodcast.com Instagram - https://www.instagram.com/markdwilliams_customhomes/  Facebook - https://www.facebook.com/MarkDWilliamsCustomHomesInc/  LinkedIn - https://www.linkedin.com/in/mark-williams-968a3420/  Houzz - https://www.houzz.com/pro/markdwilliamscustomhomes/mark-d-williams-custom-homes-inc

▶︎ Get my FREE ‘Self-with' Checklist: https://beehive.drmelissasonners.com/Self-With-checklist  ▶︎ Order my new book The Connection Code: https://theconnectioncodebook.comDoes it feel like you're stuck in fight or flight?What if the most powerful health tool you have isn't a gadget, a supplement, or a self-care appointment, but is already inside you?In this talk from Copenhagen Health Week (CPHHW), Dr. Melissa Sonners shares why so many women have outsourced their wellbeing to external tools, and what it looks like to come back home to yourself instead.Drawing from her own experience with meningitis, encephalitis, and Lyme disease brought on by years of ignoring her body's whispers, Melissa breaks down the neuroscience of nervous system regulation in a way that's simple, practical, and actually fun.This isn't another thing to add to your to-do list. It's a reminder that YOU are the magic, and you always have been.****************Want a free and meaningful way to support the show? Give us a ⭐️⭐️⭐️⭐️⭐️ rating on Spotify or Apple Podcasts (you can even leave a review on Apple too!). And if you're tuning in on YouTube, don't forget to like, comment, and subscribe. Your support helps more mamas discover this space and we're so grateful you're here.Follow Melissa:▶︎ YouTube▶︎ Facebook▶︎ Instagram▶︎ TikTok

In this episode, I'm inviting you to step out of the kitchen and into the boardroom with me. If you're selling bread to real people and taking real money in exchange for it—even if it's just a handful of loaves a week—you're running a business. And that shift in mindset changes everything. We're kicking off a three-part series all about putting on your CEO hat and learning how to lead your sourdough micro bakery with intention instead of emotion. Because when we rely on how a single week feels, we end up reacting instead of leading—and that's where burnout and confusion start to creep in.Today, I'm sharing why paying attention to a few key numbers (don't worry, nothing overwhelming) can completely change the way you see your business. We're talking about the difference between instinct and informed decision-making, how to spot patterns instead of panic, and why sustainable growth doesn't happen by accident. I'll also walk you through a few powerful questions to help you lay the foundation before we dive into the “what” and “how” of KPIs in the next episodes. If you've ever felt like your revenue is unpredictable, your menu feels chaotic, or your business feels more reactive than steady, this conversation will help you step into leadership with clarity and confidence.Resources:Get the Bread Winner Business Alignment Journal: https://carolinebower.com/journalGrab the Profit & Pricing Calculator: Simplify the math, clarify your margins, and confidently price your products. https://carolinebower.com/calculator Follow me on Instagram for more microbakery tips: @carolinebower_sourdoughFind links to all of my sourdough microbakery favorites including packaging, pans, and more! www.carolinebower.com/linksDownload the FREE Guide and Checklist, Your First Steps to a Successful In-Home Bakery at https://www.carolinebower.com/checklist to begin building YOUR thriving microbakery!

In this episode, Andrew Pudewa and Julie Walker highlight the IEW Checklist Generator™ that allows teachers and teaching parents to customize their students’ checklists and to provide clear and reasonable expectations for assignments. They also discuss the intangible benefits of using the checklist, such as helping students organize their work and learn responsibility to “do what you check and check what you do.” Referenced Materials Episode 516: The Power of the Checklist Portable Walls™ for Structure and Style® Students A Word Write Now IEW Writing Toolbox app The IEW Checklist Generator, Making EZ+1 Easy! Premium Membership Transcript of Podcast Episode 518 If you have questions for Andrew, send them to podcast@IEW.comPerhaps your question will be answered at the next Ask Andrew Anything (AAA). If you have questions about IEW products or classes, contact customer service at 800.856.5815 or info@IEW.com

Managing money as a couple is one of the most important things you can do for your relationship and your financial future. Yet most couples rarely sit down together to actually talk about it in a structured way. That's where the money date comes in.

Uncle Sam pointed and said “I want YOU.” Jesus is pointing today and saying the same. Step up — the harvest is ready, the vision is huge, and it happens through YOU.A Church Worth the Drive starts with people worth the call.Point at yourself: Yes, YOU.

Stop settling for spiritual Captain D's. Get hungry for the real thing — and you WILL be filled.

Hour 1: With 49ers General Manager John Lynch set to speak to the media at the NFL combine later today, Papa & Silver open up the show by revisiting comments he and Kyle Shanahan made at their season-ending press conference. David Lombardi of the San Francisco Standard stops by to address how the team can respond from the Brandon Aiyuk disaster and various ways they can bolster their playmaking capabilities in 2026.See omnystudio.com/listener for privacy information.

Summary In this episode, Ali Damron discusses the complexities of hormonal imbalances, particularly in women experiencing perimenopause. She emphasizes that while hormones play a significant role in various symptoms, lifestyle factors such as chronic stress, self-criticism, and lack of boundaries are often overlooked.  Ali explains how the nervous system's state can impact overall health, digestion, and emotional well-being. She advocates for a holistic approach to healing that includes understanding the nervous system, managing stress, and practicing self-compassion. The conversation concludes with practical strategies for improving health and well-being. Takeaways Many women blame their hormones for various symptoms. Lifestyle factors often contribute more to hormonal issues than hormones themselves. Chronic stress can lead to a state of fight-or-flight, affecting overall health. The nervous system plays a crucial role in digestion and hormone regulation. Self-compassion is essential for managing stress and improving health. Healing the nervous system involves doing less, not more. Creating a sense of safety in life can improve health outcomes. Practical strategies for stress management can enhance well-being. Understanding the connection between stress and physical symptoms is vital. Consulting with a healthcare provider can help address unique health concerns.  sound bites "My hormones are a mess!" "This is the foundation of longevity." "Let's chat about what's going on." Chapters 00:00 Understanding Hormonal Imbalances 06:09 The Role of the Nervous System 11:59 The Connection Between Stress and Digestion 17:53 Practical Strategies for Stress Management 23:50 Long-Term Solutions for Wellness   Ali's Resources:  Consults with Ali  BIOptimizers Magnesium Breakthrough 10% off using code ALIDAMRON10 www.alidamron.com/magnesium Master Your Perimenopause Course + Toolkit "Am I in Perimenopause?" Checklist.  What Hormone is Imbalanced? Quiz! Fullscript (Get 10% off all supplements) "How To Balance Your Hormones For Better Sleep, Mood, Periods and Energy" Free, On Demand Training Website  Ali's Instagram Ali's Facebook Group: Holistic Health with Ali Damron 

Hour 1: With 49ers General Manager John Lynch set to speak to the media at the NFL combine later today, Papa & Silver open up the show by revisiting comments he and Kyle Shanahan made at their season-ending press conference. David Lombardi of the San Francisco Standard stops by to address how the team can respond from the Brandon Aiyuk disaster and various ways they can bolster their playmaking capabilities in 2026.See omnystudio.com/listener for privacy information.

Changes are happening! Episode 665: Every artist, every band announces something… a tour, album, single, video… this episode I walk you through and show you the announcement checklist I have used many, many times for everything from world tours to a new video. This might be seem like a no-brainer, but this checklist helps to […]

You've got affiliates raising their hand. Now the real question is: what do they get in the first few days after they say yes? In this episode, I'm giving you my affiliate onboarding checklist. The exact pieces that help new affiliates feel confident, find what they need fast, and start promoting without a bunch of back-and-forth. If your current onboarding is "here's the link, good luck"... this will fix that.   Links Mentioned in this Episode Weekend Email Template Sample Affiliate Promo Plan How to Write Swipe Copy for Your Affiliates How to Warm Up Affiliates Before a Launch

Dementia is one of the greatest fears associated with aging—but what if it didn't have to mean loss, disappearance, or despair? In this deeply moving episode, author and arts innovator Marilyn Raichle shares how walking toward her mother, rather than away, transformed dementia into a journey of presence, creativity, connection, and joy. This conversation offers a profoundly human reframe of memory loss and aging. For many people, dementia is equated with the loss of self, meaning, and value. Families are often advised—explicitly or implicitly—to disengage emotionally, preparing for inevitable decline and disappearance. But how we approach dementia shapes not only quality of life for those living with it, but also the emotional, psychological, and biological stress experienced by care partners. Chronic fear, grief, and disengagement accelerate aging for everyone involved, while presence, joy, and connection support resilience and healthspan.  Author of  Don't Walk Away, A Care Partner's Journey, Marilyn Raichle brings a rare perspective shaped by a lifetime in the performing arts and nine years as a care partner to her mother, Jean. Through art, shared joy, and daily presence, Marilyn discovered that her mother was not "gone," but distilled to her essential humanity—creative, competitive, loving, and alive. Listeners will learn how creativity opens pathways to connection, why joy is possible even in advanced dementia, and how reframing the experience from caregiving to partnership transforms both lives.  Episode Timelines: 00:00 — Dementia and our deepest fears about aging  03:45 — Marilyn's background in the performing arts  07:30 — Becoming a reluctant care partner  10:45 — Discovering creativity through painting  14:30 — The Art of Alzheimer's is born  18:40 — Enduring personhood explained  22:55 — Sharing joy as a daily practice  27:30 — A single mindset shift for care partners  31:00 — Final reflections on love, presence, and meaning  Connect with Marilyn Raichle dontwalkaway.net/ https://www.facebook.com/marilyn.raichle     https://www.linkedin.com/in/marilynraichle/   instagram.com/raichlem/  Connect with Dr. Gillian Lockitch Download your Guide to Nature's Colouful Antioxidants for Eye, Heart, Brain and Skin Wellness  and  Download your Checklist to Mind and Memory Boosting Strategies  Connect with Dr. Gillian Lockitch at askdrgill@gmail.com  to request a phone conversation or zoom call   Join the Growing Older Living Younger Facebook Community here   Share the Growing Older Living Younger podcast link for anyone you care about and invite them to subscribe  

Feeling the winter blues? You're not alone. I have the perfect feel-good checklist. From cozy scents and sauna sessions to slow evenings and soul-warming meals. You'll be able to find joy, stay grounded, and walk boldly into the Year of the Fire Horse.If you enjoyed this episode, leave a review and make sure you SUBSCRIBE!To request Hailey to be on your Podcast, Radio Show, or TV Show, reach out to talent@pionairepodcasting.comFOLLOW ME:IG: instagram.com/haileygambaTikTok:@haileygambaYouTube: youtube.com/@haileygamba

▶︎▶︎ Get my FREE ‘Self-with' Checklist: https://beehive.drmelissasonners.com/Self-With-checklist  Are you experiencing brain fog, joint stiffness, or constant fatigue?Do you wake up tired, struggle to think clearly, or feel like your body just isn't what it used to be?You might be telling yourself "I guess this is just aging"... but what if it's not?In this episode, Dr. Shivani Gupta (PhD and Ayurvedic practitioner) reveals why that constellation of symptoms you're experiencing isn't aging at all...it's inflammation. And more importantly, she shares the simple daily rituals that can help you pause the inflammation and feel like yourself again.Discover how ancient Ayurvedic wisdom meets modern science to address chronic inflammation at the root cause, not just mask the symptoms.These practical, ancient tools are perfect for busy women who want better health without adding another full-time job to their plate.Your body isn't failing you...it's sending you messages. Start listening today.RESOURCES▶︎ Dr. Shivani's Supplements & Teas (use code: MELISSA for a discount!): https://fusionaryformulas.com/?sca_ref=10256069.6Jms0prGWhCFdMAL ▶︎ The Inflammation Code book by Dr. Shivani Gupta: https://amzn.to/3OlCq2v ▶︎ Order my new book The Connection Code: https://theconnectioncodebook.com Connect with Dr. Shivani:Website: https://shivanigupta.com Instagram: https://instagram.com/dr.shivanigupta Facebook: https://www.facebook.com/theshivanigupta YouTube: https://www.youtube.com/@dr.shivanigupta Pinterest: https://www.pinterest.com/theshivanigupta ****************Want a free and meaningful way to support the show? Give us a ⭐️⭐️⭐️⭐️⭐️ rating on Spotify or Apple Podcasts (you can even leave a review on Apple too!). And if you're tuning in on YouTube, don't forget to like, comment, and subscribe. Your support helps more mamas discover this space and we're so grateful you're here.Follow Melissa:▶︎ YouTube▶︎ Facebook▶︎ Instagram▶︎ TikTok

Learn the essential “last-mile” steps that prevent closing-day surprises—and how to use your first home as the foundation for smarter next-move planning.This final installment of the 2026 first-time homebuyer checklist breaks down what really happens between offer acceptance and getting your keys—especially the details that tend to blindside buyers in the last week before closing. You'll learn why the closing date should be treated as a moving target, what to handle early (like utilities and mail), and how to protect yourself when wiring your funds. The episode also zooms out beyond closing day to explain how first-time buyers can build options for “house #2” without automatically selling the first one.“The actual closing date is fluid.” - David Sidoni Highlights Why is your closing date more of a “target” than a guarantee—and how should you plan around that?What do most buyers forget to set up before closing that can create immediate headaches (and fees) after they get the keys?How can you avoid wire fraud when sending the biggest wire of your life?What's the “first 48 hours” checklist after acceptance that keeps your deal moving forward?If homeowners insurance feels impossible right now, what's real—and what's overhyped pessimism?How do you start thinking beyond this purchase—so your first home becomes a step toward long-term flexibility, not a financial trap? Referenced Episodes Episode 400 – Introduction: How to Buy a Home Starter Series (START HERE)Episode 199 – Boomer's Homes Were CHEAPER – Plus Credit Pull Myths!Episode 392 – New Construction vs. Resale: Which Home Is Right for First-Time Buyers?Episode 438 – How Much Are Closing Costs? First Time Homebuyer FAQCheck out our updated 2026 First Time Homebuyer's Episode Guide - Over 100 of our BEST Episodes of Detailed Homebuying Knowledge, Interviews, and MORE! Connect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit!David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!

Why do successful women struggle in their romantic relationships? Emilia Nagy is a Sacred Union and relationship dynamics expert for spiritually awakened, high-achieving women ready to stop over-giving and start being chosen. Drawing on a decade of coaching and 500+ dates worldwide, she blends spiritual depth with practical strategy to help women attract and sustain emotionally available, masculine partners.In this episode:Why Successful Women Struggle in LoveWhat is Masculine–Feminine Polarity How Healing Might Be Keeping You SingleHow to Date for Marriage & Not for EntertainmentConnect with EmiliaWebsite: www.emilianagy.com FB: https://www.facebook.com/emilianagylovecoachFB https://www.facebook.com/sacredpartnershiplove/ IG: https://www.instagram.com/emilialovecoach/Free gift: Checklist for picking the right guy https://course.emilianagy.com/pick-the-right-guy►Please subscribe/rate and review the podcast on Apple Podcasts http://bit.ly/lastfirstdateradio ►If you're feeling stuck in dating and relationships and would like to find your last first date, sign up for a complimentary 45-minute breakthrough session with Sandy https://lastfirstdate.com/application ►Join Your Last First Date on Facebook https://facebook.com/groups/yourlastfirstdate ►Get Sandy's books, Becoming a Woman of Value; How to Thrive in Life and Love https://bit.ly/womanofvaluebook , Choice Points in Dating https://amzn.to/3jTFQe9 and Love at Last https://amzn.to/4erpj7C ►Get FREE coaching on the podcast! https://bit.ly/LFDradiocoaching ►FREE download: “Top 10 Reasons Why Men Suddenly Pull Away” http://bit.ly/whymendisappear ►FREE download: “The Green Light Guide to Dating After 50” https://lastfirstdate.com/green-light-guide/ ►Group Coaching: https://lastfirstdate.com/the-woman-of-value-club/ ►Website → https://lastfirstdate.com/ ► Instagram → https://www.instagram.com/lastfirstdate1/ ►Get Amazon Music Unlimited FREE for 30 days at https://getamazonmusic.com/lastfirstdate  

Summary In this conversation, Ali Damron and Kylie Larson explore the intersection of artificial intelligence and health and fitness. They discuss the benefits of AI in nutrition tracking and meal planning, while also addressing its limitations in personal health assessments. The conversation emphasizes the importance of human insight in navigating health decisions, particularly when it comes to mental health and hormonal issues. They reflect on the balance between leveraging technology and maintaining cognitive engagement in health practices. Takeaways AI is widely used for nutrition tracking and meal planning. The effectiveness of AI depends on the quality of prompts given. AI can exhibit biases in its responses, often aligning with user preferences. Human input is crucial for interpreting AI-generated health advice. AI can provide information, but action is necessary for results. Understanding personal health requires more than just data; context matters. Mental health and hormonal issues often intertwine, complicating diagnoses. AI can help organize thoughts but shouldn't replace human creativity. Cognitive engagement is essential for maintaining mental acuity. Health decisions should consider both physical and mental health factors. Sound bites "Prompts are everything with AI." "AI can be biased in its responses." "Are we outsourcing our thinking?" Chapters 00:00 Introduction to AI in Health and Fitness 02:57 AI's Role in Nutrition and Meal Planning 05:57 The Limitations of AI in Personal Health 09:06 Understanding the Human Element in Health Decisions 11:54 Navigating Mental Health and Hormonal Issues   Kylie's Instagram: https://www.instagram.com/thekylielarson/ Ali's Resources:  Consults with Ali  BIOptimizers Magnesium Breakthrough 10% off using code ALIDAMRON10 www.alidamron.com/magnesium Master Your Perimenopause Course + Toolkit "Am I in Perimenopause?" Checklist.  What Hormone is Imbalanced? Quiz! Fullscript (Get 10% off all supplements) "How To Balance Your Hormones For Better Sleep, Mood, Periods and Energy" Free, On Demand Training Website  Ali's Instagram Ali's Facebook Group: Holistic Health with Ali Damron 

This week on the Sunlight Tax Podcast, I'm diving into why early tax preparation is a game-changer for the self-employed. From getting your refund faster to enjoying the peace of mind that comes with knowing your taxes are handled, filing early has real, tangible benefits. I'll share practical tips to organize your tax documents without overwhelm and share why my book, Taxes for Humans, and the accompanying workbook are designed to make the tax filing process simpler, clearer, and more approachable. Plus, I walk you through my Instant Relief Bundle, which combines my book, workbook, and extra resources to help you tackle taxes with confidence, reduce stress, and take control of your finances. Whether you're self-employed or just looking for a smarter way to file, this episode gives you actionable strategies to get ahead.   Also mentioned in today's episode:  01:00 The Importance of Early Tax Preparation 03:36 Benefits of Filing Taxes Early 06:51 Practical Tips for Tax Organization 10:22 Introducing the Instant Relief Bundle   If you enjoyed this episode, please rate, review and share it!  Every review makes a difference by telling Apple or Spotify to show the Sunlight Tax podcast to new audiences.   Links: Order my book, Taxes for Humans: Simplify Your Taxes and Change the World When You're Self-Employed Check out my program, Money Bootcamp Get your free visual guide to tax deductions

In this episode, I dive into strategies you can use in your gym leading up to the playoffs. This is an important time to make sure you're doing the right things to maximize your opportunity to win in the playoffs. We talk about:  Film  Team Chemistry  Refinement vs Acquisition  Check ins  Mental Skills  Team Building Activities  Tactical Strategies  And a few more key concepts  Click here to join Digital Volleyball Academy - www.digitalvolleyballacademy.com Join my workshop at www.volleyballworkshop.com  Reach out via Instagram @BrianSingh_CoachB

Learn how to negotiate smarter by using flexibility, contract timelines, and inspection strategy—without giving up the protections first-time buyers need.This episode breaks down what actually drives real estate negotiations (and why preparation months ahead protects your leverage). You'll learn how earnest money, contingency timelines, seller disclosures, and home inspections shape both your risk and your negotiating power. It also covers why asking for credits can be cleaner than repair requests—and closes with a practical credit score “nugget” to help you avoid last-minute financing surprises.“It all comes down to two simple concepts. Real estate is all about time and money.”HighlightsHow does flexibility on timing help you negotiate a better price without feeling “desperate”?What do earnest money and contingency deadlines really protect—and what happens if you miss them?Which seller disclosure details should make you slow down, ask questions, or renegotiate?Why is waiving a home inspection usually a risky move for first-time buyers—even in a competitive market?When should you ask for a seller credit instead of repairs to avoid last-minute closing chaos?What's the fastest way to improve your mortgage-ready credit score if you waited too long to start?Referenced EpisodesEpisode 175 – How to win in BIDDING WARS in the 2023 marketEpisode 176 – How to win in BIDDING WARS in 2023 – Part 2Episode 177 – How to win in BIDDING WARS in 2023 – Part 3Episode 332 – Home Inspections: What's Normal vs Red Flag? (110 Replay)Episode 340 – Down Payment Assistance, Discovery Calls & Lending Myths (INTERVIEW)Episode 400 – Introduction: How to Buy a Home Starter Series (START HERE)Episode 403 – How to Buy a Home - Step 3: Improving Your Credit Score (16 Pro Tips)Episode 412 – Breaking Your Lease (Is It Necessary?)Episode 415 – Financially Prepare to Buy Your First Home 2.0 - Pt. 1Episode 416 – The Best Budgeting Apps - Financially Prepare to Buy Your First Home - 2.0 Pt. 2 - (Replay of Ep. 371)Episode 417 – 8 Critical Tips – Financially Prepare to Buy Your First Home 2.0 - Pt. 3Episode 419 – Cut Big Costs - Financially Prepare to Buy Your First Home 2.0 - Pt. 4Episode 420 – Managing Student Debt - Financially Prepare to Buy Your First Home - Pt. 5Episode 423 – Using Your 401(k) - Financially Prepare to Buy Your First Home - Pt. 6Episode 426 – Lowering Your Down Payment – Financially Prepare to Buy Your First Home – Pt. 7Episode 437 – What Is a Unicorn Realtor? First Time Homebuyer FAQ:Episode 440 – First Time Homebuyer Playbook (Part 1): Rent Replacement StrategyEpisode 441 – First Time Homebuyer Playbook (Part 2): The Last Lease EverEpisode 443 – First Time Homebuyer FAQ: What Can I Actually Afford in 2026?Check out our updated 2026 First Time Homebuyer's Episode Guide - Over 100 of our BEST Episodes of Detailed Homebuying Knowledge, Interviews, and MORE! Connect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit!David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, info

In this episode, we look at asset location, how to decide which investments belong in taxable, tax-deferred, and tax-free accounts, how where we live shapes the opportunities available to us, and how capital ultimately expands our choices.SponsorsGelt - Taxes Done RightMasterworks - Invest in multimillion-dollar artwork offeringsDelete Me – Use code David20 to get 20% offInsiders Guide Email NewsletterGet our free Investors' Checklist when you sign up for the free Money for the Rest of Us email newsletterOur Premium ProductsAsset CampMoney for the Rest of Us PlusShow NotesThe Hidden Healthcare Infrastructure Americans Cross the Border to Find—Kogod School of BusinessFARMWORKER SERVICE CENTER PROPOSAL AND ACTION PLAN FOR THE CITY OF CALEXICO AND IMPERIAL VALLEY by JAVIER MORENO—CalexicoLocation as an Asset by Adrien Bilal and Esteban Rossi-Hansberg—PrincetonIt Is Not Climate Denial But Adaptation Denial That Holds Us Back by Mathis Wackernagel and Peter Raven—SSRNThe Overlooked Edge: The Case for Asset Location in Managed Portfolios—MorningstarRevisiting the conventional wisdom regarding asset location by Sachin Padmawar and Daniel Jacobs—VanguardAsset location for equity by Sachin Padmawar and Daniel Jacobs—VanguardThis powerful strategy can create more spendable wealth by Tom Lenkiewicz—J.P. MorganAsset location strategies for tax efficient investing—BlackRockWhat would Yale do? Implementing after-tax asset allocation by Frances Walsh and Patrick Geddes—BlackRockRelated Episodes540: Beyond Munis — New ETFs for Tax-Efficient Bond Investing506: Should You Retire Early and Live Outside Your Home Country? With Joshua Sheats425: How Profits Motivate ChangeMasterworks DisclosuresListeners get priority access to Masterworks at https://www.Masterworks.com/davidArt correlation and appreciation data based on repeat-sales index of historical Post-War & Contemporary Art market prices and S&P 500 annualized return (includes dividends reinvested) from 1995 to 2025, developed by Masterworks. There are significant limitations to comparative asset class data. Indices are unmanaged and a Masterworks investor cannot invest directly in an index. Content creator (the “Endorser”) receives cash compensation from Masterworks, LLC (“Masterworks”). Endorser is a client of Masterworks. Masterworks can only make and accept sales after an offering statement has been filed, and “qualified”, by the SEC. Any offers may be revoked before notice of qualification. Indications of interest involve no obligation. Investing involves risk. Past performance not indicative of future returns. For further disclosure on Regulation A Offerings, Risks of Investing, Performance Metrics, Art Market Data, and more visit the offering documents filed with the SEC and Important Disclosures at masterworks.com/cd.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Part 2 of the 2026 essential checklist shows first time homebuyers how to research neighborhoods, tour homes strategically, and protect themselves while shopping in today's weird housing market. This episode jumps from planning into the “fun stuff”: a practical checklist for researching neighborhoods and shopping for homes like a pro instead of a scrolling-Zillow zombie. You'll learn how to use tools like Google Maps, Street View, WalkScore, crime maps, school ratings, zoning plans, and even old-school paper maps to understand a community before you ever step inside a house. David then walks through smart touring strategy—bundling showings, ranking your top three, watching for surveillance cameras, checking commute times and internet service, and touring midweek to beat the weekend crowds. Finally, he explains how to avoid traps with open houses and new construction, why list prices are “garbage,” how to spot opportunity in “back on market” and badly photographed listings, and why your realtor's most valuable job is negotiating and protecting you once you've found a home.“I'm going to give you the checklist for home shopping.” - David Sidoni Highlights How can you use online tools and maps to spot the right neighborhoods before you ever book a showing? What should you look for when driving neighborhoods at different times of day to really understand daily life there? How do you protect yourself at open houses and new construction sites so you don't accidentally give up your right to representation or overpay? Why are list prices “garbage,” and how can back-on-market homes, ugly photos, and current market conditions actually work to your advantage? Referenced Episodes444 – February 2026 is a Buyers Market - What First Time Homebuyers Need to Know367 – Why Financial Advisors Can't Help You Buy a Home - INTERVIEW368 – The Truth About Renting: What You're Really Paying For - INTERVIEW370 – The Truth About Tax Breaks for First-Time Buyers - INTERVIEW408 – How to Buy a Home - Step 8: Using the Internet to Buy a Home392 – New Construction vs. Resale: Which Home Is Right for First-Time Buyers?440 – First Time Homebuyer Playbook (Part 1): Rent Replacement Strategy441 – First Time Homebuyer Playbook (Part 2): The Last Lease EverCheck out our updated 2026 First Time Homebuyer's Episode Guide - Over 100 of our BEST Episodes of Detailed Homebuying Knowledge, Interviews, and MORE! Connect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit!David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!